The GypsyNesters

Small businesses are at the mercy of their clients. If you have slow-paying clients, you could find yourself unable to cover your bills due to a lack of cash flow or with the inability to grow your business even when faced with the opportunity. AR factoring may help you turn your unpaid invoices into the cash you need, allowing you to operate without missing a beat.

Accounts receivable factoring means an AR factoring company buys your invoice for a factoring fee. Let’s say you have a $5,000 invoice, there’s a 3% fee, and you are approved to receive 85% of the invoice upfront. You’d receive $4,122 upon the agreement and the remaining $728 after the factoring company collects from your customer. The total transaction costs you $150 and gives you access to cash upfront.

Check out the top reasons small businesses should consider AR factoring to keep their business operating or expanding below.

You can Offer Better Payment Terms

Small businesses often have less access to capital, causing them to have shorter payment terms. This can turn potential clients off that are used to getting longer terms or that don’t have the capital themselves to pay the invoice sooner. AR factoring helps you offer longer terms while giving you access to the necessary capital to keep your business thriving. It’s a win-win for both sides of the equation.

You Can Take Advantage of Marketing Opportunities

Free social media marketing and other free marketing tactics only get you so far. Eventually, the hype wears off and competitors with larger marketing budgets take your business. AR factoring helps provide you with the capital needed to take advantage of marketing opportunities that help you bring in more business while you wait for current customers to pay their invoices. It provides you with a better flow rather than halting everything while you wait to get paid.

You Can Expand your Business Faster

Small businesses are always looking for ways to expand, but that requires cash. While you wait for invoices to get paid, you may let great opportunities pass you. Whether there are great deals on equipment and materials or you come across a great business acquisition that could send your business soaring, you need capital. Selling your invoices to a factoring company helps liquidate the outstanding bills, giving you the chance to grow your business now.

Manage Unexpected Expenses

Unexpected expenses can put a small business out of operation quickly if there isn’t enough cash flow. AR factoring helps offset this risk by providing access to cash now. This allows you to pay for those unexpected expenses, keeping your business afloat. Think of it as an instant savings account – factoring your invoices costs you a little bit of money, but it offsets the risk of not being able to cover emergency expenses that could otherwise put you out of business.

You can Expand Your Staff

If you need to hire new staff, it may mean your business is growing, which is great news, but hiring is expensive. You need cash flow to have the resources to interview, hire, and train new employees. If you pay for employees’ materials, uniforms, or other necessary items, you’ll need cash available for that too. AR factoring helps cover these costs even while your invoices remain unpaid, allowing you to have more people on staff to continually expand your business.

You can Buy More Inventory

During busy times, you may need to increase your inventory to keep up with demand. Increasing inventory requires cash flow, though. If your money sits in unpaid invoices, it may be hard to buy that inventory, which could mean losing potential business to your competitors. AR factoring helps reduce that risk by giving you the cash flow you need to build your inventory and grow your business.

Buy New Equipment Without Equipment Financing

Equipment financing can get expensive and is hard to qualify for, especially for small businesses. AR factoring provides you with the cash needed to buy the equipment outright – without financing. You don’t have to worry about giving up part of your equipment’s collateral in exchange for financing or not qualifying for financing because you don’t have an established business credit score.

AR factoring helps small businesses thrive. Whether you need the funds to meet standard operating expenses or you are looking to expand, it gives you access to cash that you’d otherwise be stuck waiting to receive for 30 – 90 days. Accounts receivable factoring is a cost-friendly way to get your hands on the cash that’s rightfully yours, but may take a while to come in, which could delay your business’s operations, ability to make ends meet, expand, or buy new inventory/equipment.

Author Bio:
Larry Alton is a blogger and passionate writer at Managerteams.com. She loves cooking and is fond of travelling.

Kenya packs scores luxury safari experiences and treasure-filled tourist hotspots. From the Masai Mara National Park on the country’s southern plains to the Aberdare Ranges in the central highlands, there are more than enough ways to experience the magic of Kenya.

Another great thing about going on a luxury safari in Kenya is that the country teems with professional tour agencies, such as African Safari Holidays & Tours – Kenya & Tanzania Safari Holidays, that are committed to ensuring your vacation is something to cherish forever.

In this article, we round up five of the very best places to go on a luxury safari in Kenya.

1. The Masai Mara National Reserve

The Masai Mara National Reserve is the most iconic Kenya safari destination. In 2017, it was recognized as the leading game park in Africa.

The park boasts the highest concentration of wildlife in the entire world and is a perfect place to sight Africa’s Big 5, which include lions, leopards, elephants, rhinos, and buffalos.

The Mara is located on the southwestern plains of Kenya, some 280 kilometers from Nairobi, and tourists can either drive or fly there.

From Nairobi, you can drive along the Nairobi – Mai Mahiu – Narok highway. You would need to exit the highway at Narok town and drive along the Narok – Sekenani road that leads directly into the park.

You could also opt for a flight into the Mara Serena Airport that’s situated right within the park.

Apart from the Big 5, the Mara teems with over 100 animal species, including giraffes, cheetah, spotted hyenas, zebras, to mention but a few.

However, the greatest highlight of an African safari in the Mara is the Wildebeest Migration.

The migration is a annual journey involving over 1.5 million wildebeest and thousands of other hooved animals that move through the Masai Mara – Serengeti ecosystem in response to change in rain patterns. The migration reaches the Mara around July, where the animals stay until late November.

The climax of the Wildebeest Migration is at the Mara River that flows directly across the migration route. Here, you can catch the savage but spectacular scenes of Nile crocodiles preying on the crossing herds.

For the best chance to witness the Mara river crossing, plan your trip with a local tour operator such as MasaiMarasafari.in.

2. Diani Beach

Diani Beach, located off the Indian Ocean coast, is yet another popular luxury safari destination in Kenya. Diani Beach is so popular with tourists that it has been voted for six years in a row as Africa’s leading beach destination.

The beach is located approximately 30 kilometers from the coastal city of Mombasa. Tourists can either drive or fly into an airstrip situated at Ukunda, which is just 1.7 kilometers from Diani.

Diani Beach is mostly a swimmers’ paradise. However, there are lots of other thrill-inspiring activities to engage in, including snorkeling, scuba diving, boat riding, kite-surfing, whale and dolphin watching, and many more.

If you are just taking in the sights, you could simply relax by the beachside and soak yourself in the sand as you marvel at the pristine waters of the Indian Ocean.

Or, you might consider a romantic sundowner cruise to various nearby tourist attractions, including Fort Jesus and Robinson Island.

If you’ve ever wished for a trip where you can banish all your worries as you make unforgettable memories, then you don’t want to miss a sundowner dhow cruise at Diani.

The ideal periods to visit Diani Beach are from July to September when the weather is cooler, or from January to March when conditions are drier.

3. The Amboseli National Park

The Amboseli National Park is located on the southern plains of Kenya near the Kenya-Tanzania border and overlooking the mighty Mount Kilimanjaro. The park is roughly 240 kilometers from Nairobi and like most game parks in Kenya, you can either take a scenic road drive to the Amboseli or fly there.

Road drives from Nairobi go through Emali town before proceeding to Namanga, from where you can enter the park through the Meshanani Gate.

There are other gates you can use to access the Amboseli, depending on the direction you’re coming from.

Some of these include Kitrua, Kelunyiet, and Iremito. Airstrips are strategically located near these gates to facilitate quick and smooth entry into the park.

One of the best things about game parks in Kenya is that each one of them has its defining feature.

While the Masai Mara witnesses the Great Wildebeest Migration, the Amboseli National Park is famous for its high concentration of African elephants.

There are more than 900 free-ranging elephants spread across the vast plains of the Amboseli. Other animals within the park include giraffes, zebras, wildebeest, etc.

Also, besides the Masai Mara National Reserve, Amboseli is another excellent Kenya safari destination for tourists who are traveling to Africa with babies.

That’s not only due to the high population of animals within the Amboseli, but also the fact that the park boasts numerous high-end hotels, lodge facilities, and camping grounds.

The dry months of January to February, as well as June to September, are the ideal times to plan your trip to the Amboseli.

4. Mount Kenya

It’s almost impossible to plan a safari trip to Kenya without factoring in a tour of the country’s highest point – Mount Kenya.

Mount Kenya is located in the central Kenyan highlands, approximately 180 kilometers from Nairobi. Due to the elaborate road network connecting the capital to towns around Mount Kenya, the best way to get there is to take a scenic road drive. However, you can also fly into an airstrip that’s located in Nanyuki town.

Mount Kenya is a designated UNESCO World Heritage Site @ Biosphere Reserve, and mountain climbing is the main activity here. The 5,000 meters high mountain contains peaks that vary in both altitude and terrain, namely the Batian, Nelion, and Point Lenana peaks.

Apart from mountain climbing and trekking, Mount Kenya is also famous for cave explorations, camping, and wildlife sightseeing tours. The mountain is surrounded by a game park – the Mount Kenya National Park, which is a haven for animals such as cheetahs, who are much faster than the best horses at the Kentucky Derby betting pool. Also, leopards, buffalos, bongos, to mention but a few.

The best time to plan your trip to Mount Kenya is during the dry seasons of January to March or June to October.

5. Lake Nakuru

Lake Nakuru is one of the most famous tourist destinations on the floor of the Rift Valley. It’s located some 165 kilometers west of Nairobi. And like Mount Kenya, the best way to get to the lake is by a road drive.

The Nairobi – Nakuru highway features several points of attractions along the way, including Lake Naivasha and Lake Elementaita.

Lake Nakuru is a birdwatchers’ paradise, and the main attraction is the huge flocks of pink flamingoes that create a magical contrast with the pristine waters of the lake.

Lake Nakuru is also part of the Lake Nakuru National Park, which means that there’s a lot more to do apart from sighting the pink flamingos. If you are into wildlife, a trip across the park will introduce you to some of its iconic dwellers, such as warthogs, hippos, baboons, and Rothschild giraffes.

Numerous cliffs are spread throughout Lake Nakuru National Park, adding to the park’s long list of charming attractions.

The highest of these cliffs is known as the Baboon cliff, where tourists occasionally perch themselves to enjoy the breathtaking views of the surrounding landscapes. From this cliff, you can easily sight other nearby points of interest, including the Menengai Crater.

The best time to visit Lake Nakuru is during the dry months of June to August.

There go our top five picks for the best destinations to go on a luxury safari in Kenya. As you shall find out, the country is endowed with scores of other adventure-filled tourist hotspots. To uncover the ideal places to explore, always work closely with a professional local tour agency.

In March 2019, American crypto investment manager Bitwise published a stunning paper. It claimed that 95% of reported volumes by crypto exchanges were fake.

Sourcing information from one of the biggest crypto trackers, CoinMarketCap (CMC), the document stated that the website includes a large amount of suspect data.

One main focus of the analysts was the comparison of actual vs. reported volume of different cryptocurrency exchanges. To make the most relevant data easier to understand, take a look at the following infographic:

Click to see the large Infographic made by Paybis exchange.

Why are crypto exchanges exaggerating volume?

The trading volume exaggeration has multiple reasons to exist:

1. Simulate high liquidity – high trading volume creates the illusion of liquidity. When exchanges are small and illiquid, no one wants to trade on them. So, exchanges report inflated volumes to attract more traders.
2. Entice media attention – Top exchanges on market cap aggregators like CMC gain a lot of weight in the media. This attention appeals to new users, as fake volumes advertise them as legit and popular platforms.
3. Justify high listing fees – The false popularity allows these exchanges to demand high fees listing of new cryptocurrencies. These often number in millions of dollars, hence the incentive to inflate volume numbers.

So, what can be done?

Fighting the problem

We can argue that CoinMarketCap is partly to blame for fake volumes and the way they are reported. Fortunately, the problem wasn’t ignored and the website has established new measures to fight the phenomenon.

In November 2019, CMC introduced a new “Liquidity” metric to address the widespread spoof orders throughout the crypto markets. By filtering exchanges based on liquidity, users can gauge the activity of exchanges in a more reliable manner.

While this should be seen as a step forward to more transparency in the cryptocurrency market, there’s still a lot of work to be done.

The “Bitwise 10”

The cryptocurrency market is still largely unregulated. With more than 300 different exchanges around the world that are aggregated on CMC, it seems impossible to regulate them all.

However, Bitwise has singled out 10 exchanges that, according to their analysis, provide real trading volume. You can see these exchanges in the infographic shown above. There’s a silver lining connecting these “Top 10” exchanges and why their volume should be considered legit over others.

All exchanges in the report are registered Money Services Business with FinCEN, except for Binance.

Moreover, six out of the ten are operating on US soil, and five out of those have a Bitlicense. This business license issued by the New York State Department of Financial Services shows that these exchanges comply with high regulatory standards.

Finally, most of these exchanges have raised significant venture capital or are owned by large, established companies. Their senior-executives are well-known and they all hold offices in large metropolitan areas.

Conclusion

While fake volumes are still an issue, the crypto market has significantly evolved since the crazy 2017 altcoin boom.

Fraudulent actions are decreasing as regulating bodies like the CFTC take more drastic measures against perpetrators. At the same time, ephemerous ICOs are far and few between, which raises the trust levels of investors in the market.

Even Bitwise states in their paper that the Bitcoin market, in particular, has matured and is a much safer asset today.

Websites like CMC following suit and increasing accuracy in reporting volumes are a step closer towards a more transparent crypto world. And finally, the general awareness increase of cryptocurrency users will ultimately lead to a safer and more reliable market.

Generally, weddings are taken as an all girls affair, and most of us assume that grooms are indifferent to their weddings. In fact, groom is one of the core planners of his weddings. Without groom’s approval and suggestions, the other half cannot plan wisely.

In this guide we will discuss, what a groom ought to do for making his wedding day the best day of his life. Many of us still think, that our parents are the only responsible group for our weddings, now things have changed drastically, new we are independent.

There are a lot of things, involved in wedding, the first thing is the decision making, if you have not made exact decision for each and everything which is going to happen at your wedding then you may get into serious trouble, you may need to change the dates, so decide as early as possible.

Two decades ago, people used to get married quite early, that is why parents tend to support the groom and bride for planning their wedding days. Now, things are quite different and the trend of getting married in early twenties has perished away, now men usually marry when they are in their 30s. That is why once you have sent your elopement announcement; people will start assuming your caliber regarding your wedding.

However, no matter how much money a groom has got, still he would be nervous about the planning of his wedding especially if he wanted to make his big day an excitingly refreshing day for the guests as well.

Here are some tips, which can help you make your wedding day a great day.

1.    Decide your team

If you think that you are going to have some big events then, you must make sure that you are not doing it alone. So first read this about how to pick groomsmen. Then contact your best friends, and family members and assign them some works.

Hold a meeting with them and get some nice ideas and suggestions about your big day’s planning. Try to involve some married persons as well. They can advice you quite well.

2.    Budget

Without a decided budget you cannot decide where are you heading, you must follow the traditions set by your fathers. However, while following to the cultural traditions, you must stay as realistic as possible. you are not supposed to go bankrupt right after your marriage.

Keep in mind the upcoming responsibilities, and then decide the budget. Try to avoid bank loans as they can be very annoying, when you will be married with 100 more responsibilities.

3.    Write the vows

This can be very impressive for your spouse; you must decide which things you can do for your spouse and which you cannot.

Then create a vow list, practice them one month before the wedding. So that you must not forget any of it. the reason for emphasizing this part is the importance of this culture.

The point of marriage is to assure people and the spouse that you will help them in the upcoming matters of life, so saying all those things in front of the world will be the best thing to do on your wedding day.

4.    Your look

Of course, you must look good inside out on your wedding. Get a great dress, contact your prospective spouse and ask them what color you must wear. Together you can decide the best dresses for both of you.

Secondly, contact the hairdresser and negotiate the prices for your wedding day haircut. For grooms the dress must be as simple and minimal as possible, follow th trends but, decide according to your taste, each soul knows what is going to suit him.

5.    The registry and honeymoon

Do not forget these two things. If you have not done it before sending invitations, then you may fall into serious trouble. many companies offer special services and discounts for new wedding registry.

Try to do it as early as possible, most probably at the day when you have started sending invitations.

6.    Buying gifts

Last thing to do is to buy gifts for the groom’s men. If they are your friends then you can ask them about their choice, but make sure that they are according to the level of your wedding day. Do not take them for granted.

Gifting groomsmen is a sign of showing your admiration for the hard work and efforts put in by the groomsmen. It’s very important that you select the gifts for groomsmen with care so they remember them for a lifetime.

Australia has tremendous diversity in its landscape. However, despite that, there’s one particular thing which all Australians enjoy – gambling. It’s their love for gambling only that while the entire world refers to slot machines as slots, Aussies call them pokies!

There are around 20 brick and mortar casinos down under, apart from hundreds of small size bars, pubs and other venues equipped with pokies machines. In fact, anywhere you go in Australia, you are guaranteed to find a place to try your luck. But, there is none that can match the uniqueness of the Desert Cave Hotel!

Known for its peace and quiet

Desert Cave Hotel is situated at a distance of 800 km from Adelaide, in Coober Pedy. It’s a fascinating and strange mining town well known for underground habitats. Several years ago, Umberto Coro, a native of Coober Pedy wanted the world to learn about their underground living practice, and decided to construct Desert Cave Hotel to do just that. Unfortunately, he couldn’t live to see the realisation of this vision. He passed away in a tragic road accident, in the year 1986. Robert, his son made his father’s dream a reality and officially opened the hotel in 1988.

The construction of this hotel was an extremely challenging task considering the windy conditions and the harsh terrain. Nevertheless, the hard work paid off and the Desert Cave Hotel won National as well as South Australian Tourism awards for Tourism Development in 1989. Thereafter, it went on to win the South Australian Tourism award in recognition of its national standard accommodation in 1990 and 91.

Pokies down under

Desert Cave Hotel has been designed in a manner that visitors are free to choose whether they’d like to stay underground or above ground. Going underground is what is preferred by many, as the underground rooms are carved out from rock and stone. There is an indescribable calmness, quiet and peace in the structure underground, which is well-talked-about by people who have stayed here. Many remember their stay here as the best night’s sleep they’ve ever had. Other than that, it also offers an underground gaming room, an underground café and underground shops.

People fond of playing casino games can enjoy an altogether different type of casino gaming experience here. It’s not without reason that this hotel is known to offer one of the most exotic gambling experiences to the world. However, as the purpose of this hotel is to provide something novel and unique to the players, don’t expect a gambling facility like you see in Las Vegas!

Theirs is a humble gambling venue which has been carved out from the rock. There are 16 pokies machines and a bar. The high roof along with dim lighting provides a wonderful effect. Although there aren’t many casino games to play here, one is guaranteed to remember the experience of spinning slot reels at such unique gambling place for a very long time!

Day two of this year’s Cheltenham Festival – also known as Ladies Day – didn’t disappoint. A couple of the favourites went on to win, helping punters recuperate from a disappointing Champions Day, however there were also a couple more upsets to be had, adding the to the thrills of the Prestbury Park meeting.

If you’re looking for horse racing results & today’s meetings, or just wanting to relive a classic Cheltenham outing, then read on!

Ballymore Novices’ Hurdle (Grade One)

Heavy odds-on favourite Envoi Allen – trained by Gordon Elliott – looked to be out of the running as he turned the last bend onto the home straight, six lengths behind Easywork and The Big Getaway, but he somehow found some gas in his reserve to push into the lead over the last hurdle with Davy Russell powering him on to win by just over four lengths.

“He’s a very nice horse and as long as he keeps winning I’m happy,” the Irish trainer said afterwards.

1. Envoi Allen 4/7F
2. Easywork 12/1
3. The Big Getaway 9/1

Novices’ Chase (Grade One)

Another horse to come from behind, and win in spectacular fashion, was Champ – named after the legendary jockey Sir Anthony McCoy – who was worryingly error prone throughout, making mistake at most hurdles. As pace-setters Minella Indo and Allaho turned for home, Champ was 10 lengths adrift. However, jockey Barry Geraghty forged an amazing comeback and slipped in-between the front-runners to steal the Novices’ Chase from under their noses.

“It didn’t look very likely to happen, did it? It looked like he was going to be an honourable third – I was watching the front two and all of a sudden he appeared in the picture. I was thinking, ‘how has he got here?’” trainer Nicky Henderson said.

1. Champ 4/1
2. Minella Indo 3/1
3. Allaho 5/2F

Handicap Hurdle (Grade Thee)

Market favourite Dame De Compagnie went on to win, to add to Henderson and Geraghty’s amazing start to the Festival. The seven-year-old was always in contention throughout the race, and narrowly led on the run-in, before holding off Elliott-trained Black Tears by just over two lengths.

“She won well. We didn’t go much of a gallop, and I was happy to be just behind the pace once she was relaxed.

“She picked up from the back of the last. It was a good performance,” the jockey said.

1. Dame De Compagnie 5/1F
2. Black Tears 12/1
3. Thosedaysaregone 10/1
4. Cracking Smart 33/1

Queen Mother Champion Chase (Grade One)

Defi Du Seuil – who was 2/5 favourite – was the one to beat in the absence of Altior and Chacun Pour Soi. However, the market leader never got into the race and 6/1 outsider Prolitologue, ridden by Harry Skelton, led from start to finish to land trainer Paul Nicholls his first Festival win of the year.

“The tactics were great, it was awesome. I looked in the paddocks before and I thought Politologue was a standout, and I’m just pleased we stuck to the plan and kept him fresh and fit,” the trainer said.

1. Politologue 6/1
2. Dynamite Dollars 7/1
3. Bun Doran 33/1

Glenfarclas Chase (A Cross Country Chase)

Gordon Elliott’s Tiger Roll was hoping to land a third successive Cross Country Chase at the Festival, although 3/1 shot Easysland had other ideas. The six-year-old beat the two-time Grand National winner – whose odds have since drifted for a third-successive win at Aintree – by an outstanding 17 lengths, whilst Tiger Roll also ran impressively despite finishing second – an impressive 18 lengths ahead of Out Sam.

“I was expecting a good run from him. He seemed really well at home, his coat had changed, he was in good form and it was a really big advantage to have come here in December and to know the track. The heavy ground was also in his favour,” Easysland’s trainer David Cotton said.

1. Easysland 3/1
2. Tiger Roll 8/11F
3. Out Sam 33/1

Juvenile Handicap Hurdle (Grade Three)

As heavily backed favourite Palladium – who was never in contention – pulled-up halfway through the race, all eyes turned to the front-runners. And it was Elliott-trained Aramax at 15/2 who held-off David Pipe’s Night Edition – who was applying the pressure. The win also marked jockey Mark Walsh’s first victory of the week.

1. Aramax 15/2
2. Night Edition 16/1
3. Saint D’oroux 14/1
4. Recent Revelations 14/1