Don't take a loan until you read this

What to Know Before You Take a Loan

 On this topic, I am going to focus on :

* What we must know before we acquire alone.

* Places where you can get a loan.

So, what is a loan?

calculator image

A loan can be defined as monetary funding that is acquired or borrowed by an individual or a company from a lender. 

Need a loan?

Below are what you must know before acquiring a loan.

1. You shouldn't request a loan if you're still planning on starting a business. A loan isn't advised for a startup, especially when you aren't experienced in business, or you haven't run any before. This is because starting a business comes with a lot of planning and management challenges, and you might not be able to manage the borrowed money well while still facing the challenges of planning.

    If you're still about to start a business, it's not advisable to take a loan; you should take a loan when a business has already kicked off, no matter how small, start with little capital at hand, and when the business has gained traction, then you can borrow a loan to finance and make more profit.

   
   

2. Alone shouldn't be used for anything other than the business it was meant for. You should be careful of how you spend money obtained as a loan.

   
   

3. Can I afford the monthly or weekly repayments, depending on the loan agreements? This is really important to understand before getting a loan, so you don't get stressed and miss a payment.

With this known, we will now proceed to where we can get a loan from.

Where can I borrow small money?

Let's walk through each option so you know what to consider before you decide to borrow money.

Banks.

Credit unions.

Loan App/ Cash advance apps.

Cash advance from a credit card.

Buy-now, pay-later apps.

Retirement account.

Personal Loan From an Online Lender

Home Equity Line of Credit (HELOC)

Loan From a Friend or Family Member.

Pawn Shop Loan.

Mortgage loans.

summary

In summary, a loan is what you should only think about when you are sure that the business you're putting into can pay off what you borrowed without straining the business or yourself financially.

How to fix site can't be reached error (with Image illustration)

Most time when you get the error message "this site can't be reached it doesn't necessarily mean that the site isn't available, it could be a DNS problem that could be solved from your device. But before you proceed with the fix I'm about to show you make sure the site is only down for you( that is, it's only not connecting on your device). If it's offline for everyone else, that means it's a server-side problem, but if it only happens on your device that means you have to change the DNS(Domain Name System) setting on your device.

Steps to follow:

1. On your browser click the options drop-down menu Scroll to and click settings.
   

   

   site can't be reached error message

   
   
   
2.  Then look for security and privacy( its shield and privacy or just privacy for some browsers)and click on it. 

   

   Site can't be reached fix

   
   
   
3. Click on security and scroll to use secure DNS under advanced settings then chose your desired DNS provider. I recommend quad 9 or cloud flare.

   

   Site can't be reached DNS fix

   
   
   

 when you finish the problem should be solved and you should be able to view all the sites that displed the error message.

 for comments and questions use the comment box.

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How to Factory Reset a PC: Step-by-Step for All Major Brands

RESET BOTTON

 A factory reset simply means totally deleting all information stored in a computer right from the first day it was used, leaving only the information the manufactory stored in it.

Why must anyone perform a factory reset?

 There are a number of reasons for that, it could be due to a chronic system or app malfunction, change of ownership or the user just has too much junk file, which he/she doesn't have time to go through the stress of deleting one by one, whichever reason it is, you can perform a reset in no time, with a few steps.

1. Step One

Backup any data which you wish to keep before performing a factory reset. You will probably want to copy everything from your user folders, including documents, photos, music, and videos. The factory reset will delete all these along with any programs you've installed since you got your laptop.



2. Step Two

Startup or reboot your laptop.



3. Step Three

During the start-up process, hit the appropriate F key or key the combination listed below for your manufacturer.

Note: There is often a small window of opportunity to strike the key so don't worry if it takes you a few attempts. I advise pressing the key multiple times.


• Acer – Alt + F10
  
  



• Asus – F9



• Dell/Alienware – F8



• HP – F11
  
  
  



• Lenovo – F11



• MSI – F3



• Samsung – F4
  
  
• Sony – F10



• Toshiba – press down 0 (not Numpad) while turning on, release the key when the Toshiba logo appears.
  
  
  


If these keys don't work then lookout for a message on the screen during startup which might indicate how to start the recovery process. You might need to check your recovery partition is enabled in the BIOS. It's also possible your laptop might not have a recovery partition (or it may have been deleted) so we're making no guarantees here. You might need to contact your manufacturer.



• Step Four

You should see instructions on the screen explaining how to proceed. Different manufacturers use different software to restore the 'disk image' from the recovery partition, so I can't provide specific guidance. However, the process is almost always automatic once you've confirmed you definitely want to proceed, so it might be a case of waiting for some minutes for the job to happen in one go, but some systems restore Windows first and then install drivers and programs automatically when Windows first boots. If that's the case, don't try to do anything until you see a message saying the restore has finished.
I hope this helps, warm regards.

High demand easy to learn digital skills

 High-demand digital skills for the future

Technology advances with each passing day, almost everything is getting digitalized. Each day people spend lots of time on their digital devices, engaging in activities of interest like working, connecting, and interacting with friends and family. Some people almost never leave their home to buy stuff anymore, they simply order or buy online and have it delivered to their doorstep.

Why you should be digitally skilled

 With the world growing more digitalized with each passing day, it's wise for each person to acquire at least one digital skill. A lot of skills are in demand right now, and demand will increase with time.

In this article, I will be covering some easy-to-learn digital skills that are in high demand and can also earn you good pay.

 Before going further, let's answer some important questions to better understand this topic.

Who is this knowledge for?

This information isn't for any specific set of persons; gender and age are not barriers, what you need is the will and motivation to learn. Will and motivation might come from the need to increase your finances because of growing responsibilities, or you are tired of what you have been doing and just want to try out a new thing.

What is Skill?

Skill is the ability to do something well. Skill is a very important thing every person should strive to have; skill is what makes you valuable and relevant.

Advantages of digital skills

1. It affords you the opportunity to work from anywhere; you only need a digital device




2. Ability to reach a wider targeted audience or group in no time, all you need is a connection to the internet.


3. You need digital skills to stay relevant and employable or to be able to supervise and manage your own business (online) effectively.







Below are in-demand, easy to learn digital skills you ought to acquire:




Video Editing:






 This is a very lucrative skill to have; its advantages are numerous. It opens you up to many job opportunities.

As a video editor, you can work as a freelancer and work for other people at your own convenience. You can edit videos for events, and edit videos for YouTubers.

 You will be able to open and manage your own YouTube or video hosting platform channel effectively.



How to create a YouTube channel brand account




A video editor can also work in the film industry. In fact, an editor is one of the most important people in the film industry, because, without them, all the coordinated sense you see in movies would not be possible.




Web-Development/JavaScript






As a web developer, your opportunities and earning capability are infinite. Web developers are like the super-heroes of the web, yeah, that's right, I call them super-heroes because of the power they possess, the power of being able to reach out to millions of people through the World Wide Web. These guys are influencers; they can do amazing things through the web pages they develop.

 Notice the JavaScript after the forward-slash on the subheading? I put that there because a web page is not complete without Javascript, this is what gives a webpage life (it makes a web page interactive), the relationship between a webpage and javascript is similar to that of the body and spirit, they can't do without each other, so it's good to learn them both if you want to be an effective web-developer.




Advantages of becoming a web developer




• You are hireable almost everywhere because almost every high-ranking organization needs a website.




• You can be an effective blogger because you need little or no help to manage your blog or website







Writing (freelance writing)






A freelance writer is a private professional writer who writes for a living. A freelance writer can be hired to work for media organizations like newspapers and media houses, create content for blogs or websites for an agreed price

How to start a website/blog




Advantages of being a freelance writer




• Ability to work from anywhere.




• Ability to become an influencer and public figure




Code Writing






I consider this a core digital skill because, without code writers, there wouldn't be anything digital (of course, combined with electronics). All digital devices we use and come across today are developed with code, from mobile phones, computers, and electronics in our homes and offices. These devices are programmed with different coding languages like Java, JavaScript, C++, c#, and many others.

How to learn to code

To learn how to code, you can register for code writing classes in code teaching institutions offline or online, or you can teach yourself by using online or offline resources (books and libraries).

Some of these code learning platforms are free, while some are paid for. Below is a list of online platforms you can use to learn how to code.

• developer.mozilla.org: This platform is owned by the Mozilla company, and its resources are free of charge. The platform covers a wide range of topics.


• Tutorials Point: Tutorials Point is an online platform that has both free and paid-for courses. This platform has tutorial material for almost any topic u can think of.


• W3Schools: W3Schools is a free online platform that teaches how to code. It focuses more on web development courses like HTML, JavaScript, and CSS.


• Pluralsight: Pluralsight is a paid-for platform that has a wide array of tutorial material for different coding languages.






Digital marketing






Digital marketing is the ability or skill of selling goods and services online. This is a very important skill to learn if you wish to showcase your goods and services online.

Though the above-listed aren't the only digital skills available, I take them to be the most lucrative and easiest to learn.

If you think I left any important ones out of the list, please make your addition in the comment area.