Finance Archive

Searching for the best freelance website

Searching for the best freelance website? Join Croogster.

We are living in an era of digitalization. Every single aspect of our lives are being digitized every day. All the works that we do today, most of them are being carried out through online. Well, obviously the internet itself doesn’t do anything, cause that would be crazy, right? What I mean to say is, today you hire someone to work for you on a freelance basis and you pick them from the hundreds of online marketplaces for freelancers. And naturally there arises a question as to which is the best freelance website these days?

I’ve already told that there are hundreds (possibly thousands) of freelance websites out there. But do all of them offer the best service available? You and I both know that that’s not gonna happen. Some will provide you with the desired services and most of them would not. I mean that’s the rule of the world, isn’t it? So what should be done in this case? The answer is croogster[dot]com

best freelance website

What is that?

Croogster[dot]com is an online marketplace where services like Graphics Designing, Content Writing, Web Development, Digital Marketing, Virtual Assistance, Video Designing and Academic Writing are sold. Who sells them? Practically anyone. Anyone who has the needed skills to do any of these can sell their expertise over here. Who are the buyers? Simple. The guys who are in need of these services. It’s like an ACTUAL marketplace where buyers and sellers meet and exchange expertise in exchange of a value.

Why Croogster?

There are a couple of old and trusted such marketplaces. For example there is upwok.com and there is freelancer.com. So inevitably a question arises that why you should choose this platform instead of those?

Remember one thing, every new thing is born because the older ones have some sort of problems in them. Now I’m not talking like upwork or freelancer is a pile of old shit and only Croogster is the best freelance website in the market, no. Cause that would be insane. But let’s analyze some of the weaknesses of those other websites and how Croogster surpasses them, shall we?

Problems with other websites and how Croogster solved these.

I don’t know if you have a personal experience or not but when I went to outsource my work, the most problematic situation was the rate. Upwork or freelancer is such a marketplace where only the minimum rate is fixed, not the maximum. So there were lots of negotiations regarding rates, and eventually I was lost. I’m not very good at negotiations and later I came to know that I paid more for the work. I could’ve got the work done with lower price. Croogster has solved this problem dramatically. They have fixed the rate for work by ranking the workers as per their work skills and achievements. So I don’t have to do the bargaining any more (thank god)!

Another thing is, they didn’t blend in all the available services there is in the world, so quality of the works and services are assured. I’ve never got a work half done from here ever. The payment system is solid too. You can also pay by six different currencies. What more could I want!

So if you are looking for dependable and skilled workers, croogster[dot]com can be your best freelance website.

Bad credit mortgage lenders

Having a low credit rating, generally called Bad Credit Borrowers, is an experience you never want to have. Because when you have a bad credit rating, you will be denied of every type of loan from the conventional financial institutios . No matter how much honesty you have in your mind regarding the payback, the institutions won’t pay you even a heed. Sometimes it becomes a matter of great tension if you need a loan badly. And that is the time for you to head towards bad credit mortgage lenders. Today we will have a detail description about it.

What is bad credit?

In simple terms bad credit is the amount the borrowers aren’t able to pay or don’t pay at all to the banks. In financial terms it is called loans outstanding. Generally there is no hope for the bad credit amount to be paid back by the borrowers. The reasons may vary behind it, nonetheless it will be called a bad credit.

Bad credit mortgage lenders

What’s a mortgage?

A mortgage is a loan instrument. Let us break it down for you. Let’s say you are planning to buy a property. The property costs $1million. But you don’t have that much savings or cash at your hand. So you go to a bank or a financial institution and apply for a loan. The bank will sanction you a loan in lieu of a “claim on property”. This is called a mortgage. After getting the loan you may buy the property and repay the loan amount plus interest. When all of your loan is paid back, the bank will no longer have any right on your property and you will be the sole owner of it. But if a turn of events happen and you become unable to repay the loan amount, the bank will forfeit your property and may sell it to recover their money.

What’s a credit rating?

Credit rating is a ranking of people which entails if a person is reliable to get loan or not. In USA, Fair Isaac Corporation(FICO) calculates the credit scores. They use a complex strategy to calculate after taking data Equifax, TransUnion and Experian. Their scores range from 300 to 850. It is seen that the borrowers having a score of 579 or below are likely to become a bad credit. 580 to 669 is terms as fair with only 28% chance of being delinquent. 670 and above are considered as strong contenders for a mortgage with almost 0% possibility of going south with their loans.

Why is bad credit mortgage lenders needed?

If you have a bad credit rating, you won’t get any loan from the banks. There comes these lenders. They will provide you the loan you need. Their interest rate will be higher than conventional banks for sure, but your need is fulfilled. But be very careful before you choose because while there are legitimate and reputable companies, there are some rotten tomatoes too. One good option is http://www.getmylender[dot]com/

They are not direct lenders but they will connect you to the right lenders in the industry. And that is more important. Just pay a visit to the website and see for yourself. They are waiting to be of your help.

Invoice factoring companies ; what to know & whom to choose?

Waiting for receiving your payment is the biggest factor of frustration for your business. Companies who operate their business seasonally or who have a shortage of cash flow may suffer from this problem the most. There will always be some clients who will demand a generous term or who will pay you slowly. For that certain period of time your cash gets stuck and you are in a deep problem. To remove this problem invoice factoring companies emerged. With the factoring, you may turn your invoices into your working capital.

What is Invoice Factoring?

If you own a business organization that is related to selling products, you may have to do some credit sale. So, you issue invoices for that credit which are designated to be paid within a 30, 60 or 90 days period. But that’s a hassle for you if you are a small business. In this case, you can sell the invoices to another company who will pay 70% – 90% of the invoice price with upfront cash depending on the negotiation. The rest of the amount will be paid to you after the designated time your invoice gives to your customer. Let’s say that time is 30 days. So, when after 30 days your customer pays them, they will pay you too minus the ‘rebate’ and ‘fees’. This is called invoice factoring. And the companies who offer such facilities are termed as invoice factoring companies.

How does it work?

When a company sells a product to its customer, it issues an invoice. This company then sells the invoice to a factoring company and liquidates the cash. The cash is used as operating expenses, salary expenses, material purchase or inventory purchase. In other words, the company sells its ‘account receivables’ to a factoring company. When the issued date of payment arrives, the customer pays the factoring company and they pay you the rest of the amount. They charge some rebate and fees for that. The seller gets cash immediately after sales, the customer gets a favorable payment term and the factor gets the fees and rebate. It’s a win-win situation for everybody.

best Invoice factoring companies

What to remember before choosing a factoring company?

The factors you should consider before choosing a company for your invoice factoring are as follows:

  • Clarify the factoring rates and fees.
  • Clarify about penalties.
  • No contracts.
  • Fix the percentage of cash you will get in the beginning.
  • Deciding on anything else that might come to your way.

Whom to choose?

Keeping everything in mind we can advise you to go with invoicebus[dot]com. From a personal experience and client reviews we can tell you that they are clear as a crystal on terms and percentages. Besides the most important thing is that they operate their business worldwide. You can visit their website and start a free trial before jumping into direct business with them. They also have some exciting offers. All in all, invoicebus[dot]com is the factoring company we would prefer for our business.