Unemployment rate falls under 6%

opportunity just ahead

In more good news for the job market, the unemployment rate has fallen to 5.9% as job growth exceeded expectations. For all the gloom and doom out there, this is further evidence that the recovery from economic collapse that started under President Obama is real. Of course it’s spurred in part by very aggressive action by the Fed, and there are some risks associated with that strategy. But letting the economy collapse in 2008/2009 as many suggested would have led to economic catastrophe. Instead we have a fighting chance to slowly and steadily right the wrongs from the economic crisis.

If you’re looking for a job, now is the time to get even more aggressive.

Applying for a Merchant Account: 6 Strategies for Writing the Perfect Cover Letter

stacks of 100 bills

If you want to be able to accept debit and credit card payments from your customers, you will need to have a merchant account set up.

A merchant account like the one can apply for here, is a specifically designed bank account for holding funds that have been captured from card details provided by customers paying for goods or services.

Having a merchant account is a convenient and generally cost-effective way of taking card payments for your business, and you will have to apply for an account and meet a number of conditions in order to be accepted.

Why you need to apply

There is a very simple reason why you have to apply for merchant account and pass the application process. The merchant account provider is accepting an element of risk every time they accept a card payment on your behalf, so they need to know that your business is sound and the goods or services you offer are acceptable.

When the retailer or services provider fails to deliver or there is a dispute, the customer who has made payment by credit card will sometimes request a refund. The merchant account provider will want to know that you can help to minimise their risk and that your business is financially sound.

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Do you ever want to sell your business?

If you’re a business owner, one of the things you should always consider is whether you’d like to sell it at some point. This probably shouldn’t be your biggest concern of course, but it’s something you should keep in mind.

If someone wanted to buy your business, could they run it without you after a transition period? This is critical, because if you’re irreplaceable, you really don’t have a business you can sell without binding yourself to years of additional work.

Think about it, and it will probably trigger some additional thought as to how you structure your business. Think about what you should be teaching your team so that others can run certain aspects of your business that you control.

This is difficult for many entrepreneurs, but it’s essential if you ever want to have a real exit strategy.

3 Industries Set to Explode in 2015

man using smartphone

In today’s world of fast moving technological advancements and changes around every corner, it can be hard to keep up with the latest trends. Looking from the past and into the future can give us great insight into what industries are ready to make their mark on the world over the coming 12 months. You may have heard of a few of the below industries or be more than well aware of them, but the advancements over the next year or so are what will set these industries apart from the rest – and will even set them apart from the past years where they have less than flourished in their field.

Virtual Reality

3D Gaming is no longer a thing of the future, as developers and gamers all around the globe brace themselves for the release of the Oculus Rift, from Oculus VR. While it has been a long time in the works, the release of the latest in gaming technology is closer than ever, with preorders for developers now available online, with the beta stage of the product to be released to those in the industry in August this year. With the final stage being put into development, predictions are standing strong that the Oculus Rift will hit the market in a big way in 2015.

Electronic Cigarettes

They’ve been available on the international market for just over 10 years, yet electronic cigarettes are still considered to be a thing of the future, with many new designs recently surfacing that have provided a whole new take on the product. The newest designs of e-cigarettes provide a better experience for the consumer and have also worked out the kinks that were found in many of the earlier prototypes. The latest designs of electronic cigarettes have seen shoppers having more choice, with sleeker and cooler styles now available, along with a huge range of different flavours. With celebrities openly showing their love for e-cigs in 2014, we are sure to see this industry boom in 2015.

Mobile Gaming

While mobile gaming won’t be a new industry in 2015, it does look like one that is well and truly ready to explode. Over the past 24 months mobile and social gaming have experienced phenomenal increases in popularity, due to the wider range of availability across the market and advancements in gaming technology for portable devices. As the graphics become even better and the playability becomes even further enhanced, there will be no stopping the mobile gaming industry over the next 12 months, which will prove to be a very exciting time for developers and gamers worldwide.

Whether you’re looking to the next big thing in virtual reality or want to see what all the hype is about with the hot trend of electronic cigarettes, the future truly is now and it’s time to embrace these industries that are set to make waves in 2015.

5 Tips to Set Your Brand Apart from Your Competitors


We all want recognition, but if you are business in a market with competition, you don’t just want recognition, you need it. As you explore ways to define your brand and stand out from the crowd, take a look at what Simple has done for others to get an idea of what they can do for you.


It is important that when you display elements which identify your brand, there is a common theme that clearly links them all together. Think of it as a thread that serves to link all of the elements together. If any of the elements don’t fit in along the thread, find a way to make them fit in or eliminate them.

For example, consider what a customer may see after they have acquired one of your business cards and subsequently make their way to your website. Other than the name, do any of the style elements match. Have you used the same colors, fonts, logo and general theme? If not, they should and this type of branding should persist into any visual representation of your company.

Focused marketing

Marketing a product or business is not cheap so you want to be sure you are making the most out of your investment. Sure, ideally you want everyone to purchase your brand but your marketing dollars are best spent on ensuring that your brand is the one chosen by those interested in your product in the first place.

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