Showing posts with label business. Show all posts
Showing posts with label business. Show all posts

Feb 16, 2024

11 mobile marketing trends in 2024

February 16, 2024 0 Comments

 There are more than 5 billion mobile users worldwide. This channel has become the easiest way to reach the consumer who passes, on average, almost 5 hours a day on his smartphone.

How to take advantage of this potential? Now is the perfect time to call on a mobile coder developer to launch or improve your own application.

Native advertising, chat bot, super app, m-commerce... To carry out your project, discover the 11 main trends that will make mobile marketing pass to a higher level in 2024!

11 mobile marketing trends in 2024


1. Native advertisements are always at the top


Integrated with content marketing, native advertising helps to strengthen consumer confidence and affinities. How? By bringing them added value in the search for certain information, without hindering their mobile experience.

They generally appear in the form of sponsored articles, recommendations, or blog posts. These advertisements prove to be very effective because they are perceived as non-intrusive and useful for those who look at them. Moreover, more than 51% of mobile users discovered a brand or a product by doing a search on their mobile.

Native advertisements do not convert immediately, but they increase the notoriety of a business. Internet users conquered by an article or relevant content will tend to stay in the wake of the brand by thinking of the newsletter or the social networks of the latter.

Thus, when they are reliable with an advertisement containing a more direct call for action, they are more inclined to act!

2. Place on demand applications!

The boom in so-called “on-demand” applications is a real tendency to mobile marketing. What is this? These are applications that allow you to quickly order a product or service: food, VTC, film, clothes, etc. Among the best-known "apps", we can cite Deliveroo, Spotify, Netflix, or Shein.

These tools are fully part of instantaneity and ease, values ​​that consumers are looking for in their daily lives.

If these applications have already existed for a few years, their boom is in full boom! In addition, they tend to become more and more personalized. The developers strive to make their algorithms smarter, and capable of segmentation so that they can be more precise in the content put forward with users.

According to a PWC study, the market for demanding on-demand services should reach $ 335 billion by 2025. Many companies will try to take part in the cake. And you?


3. The arrival of the Super Apps

A great application brings together several services: delivery, purchase, finance, entertainment, etc. For example, popular super apps are:

Uber: This will soon allow everyone to organize trips, in addition to reserving a VTC.
Facebook: In addition to being able to manage your profile on the social network, users can send private messages, manage professional pages, create advertisements, etc.
WeChat: Chinese messaging offers dozens of additional mini services, such as meal delivery, live, shopping online, travel booking, etc.
Revolut: the financial application that allows you to manage all your accounts in the same place, edit and send invoices, invest, discuss with other users ...
These applications become fashionable with millions of users. The reason? We need to save time, thanks to our smartphones, using as few applications as possible!



4. Tiktok's soaring

Regarding mobile marketing trends, TikTok is an undeniable winner. The video content application has been downloaded more than 3 billion times, it is currently the most downloaded application in the world.

We could consider that 60% of TikTok users will be under 25 years of age in 2024. This is the social network where to reach the consumers of tomorrow ... but also today, if you target Generation Z!

100% mobile, the platform diffuses an uninterrupted flow of videos. Between its popularity and the new features regularly developed to attract brands and content creators, Tiktok is on the way to becoming one of the most powerful mobile marketing channels in the world.

Among the flagship tools offered by the platform, to boost your mobile marketing, you will find:

  • TikTok Duo: This feature allows users to post their videos next to yours. On their profile, the 2 videos appear side by side, giving additional visibility to your content. This option is ideal for organizing competitions and rewarding the duo with the most views, for example.
  • TikTok Live: As its name suggests, this feature allows you to broadcast a live video. With an important scope, these contents offer you the opportunity to organize an online event, exchange live with your consumers, or demonstrate a product.
  • TikTok Creator Market Place: If you are looking for influencers to energize your mobile marketing, this is the ideal place. This marketplace helps you identify users with a community similar to your customer profile. You can then contact them to offer them a partnership.
  • TikTok Creative Center: you will find a video editor to improve your small clips, as well as a page listing trends on the platform. Useful for ensuring efficient campaigns and content that interests the community.
  • TikTok ADS: As on other social networks, you can buy advertising space to boost the visibility of your brand. You have the possibility of precisely targeting users and monitoring the performance of your advertisements in real-time.

Good to know: the social network is suitable for consumer brands, which can generate authentic, fun, and entertaining content. It is less suitable for B2B companies.

5. Always more local mobile marketing!


Mobile marketing based on location uses different techniques to target users according to their location. The most common are Geo-Fencing, Geo-Conquesting, and Local Marketing. Each of these techniques uses different technologies to target users, including access to GPS and/or IP addresses. When a user is in a certain place, automatic messages and advertisements are triggered.

Geolocated mobile marketing aims to attract users' attention and transform them into customers. For example, if a user types the "leather sofa" request on his phone, his research will show him the furniture stores around him, that have leather sofas in stock.

Some applications can also send push notifications. Thus, when a consumer is next to a store that makes promotions, he receives an SMS, an MMS, or a notification on his phone to encourage him to go there.

Good to know: users must first accept to be geolocated and receive notifications. Respect for privacy is an important aspect of local mobile marketing.

If your activity is local, in 2024, launch geolocated campaigns on mobile to increase your sales!


6. M-commerce confirms its success

Mobile trade has been very successful for several years. When you know that 3 in 4 consumers claim to make purchases on their smartphone, it is normal to find it in mobile marketing trends! Especially since 90% of mobile users admit that the user experience could be improved ...

In other words: companies and brands still have a long way to take full advantage of m-commerce.

So how do you optimize your website for mobiles?

  • Lightening the pages as much as possible for a quick display: 47% of mobile users want a page to take care of 2 seconds or less, and 40% will leave a site that does not appear after 3 seconds.
  • Adopt the AMP format for your site. The latter will be better optimized for mobile users to create a pleasant experience.
  • Simplify navigation: prefer a hamburger menu and offer filters so that Internet users quickly find the products they are looking for.
  • Incorporating instant payment options: entering a credit card number on a smartphone is impractical. Mobile users expect to be able to pay in one click with PayPal, Apple Pay, or Google Pay, for example. Nevertheless, if some want to pay directly by bank card, offer them to save data for a future purchase.
  • Delete pop-ups: nobody wants to spend time closing windows. In addition to spoiling the user experience, it gives a bad image of your business. Waller pop-up windows are often considered spam.
With an app, you simplify navigation and facilitate purchases. In addition, you can enjoy a fantastic marketing opportunity: push notifications! These messages will appear on the smartphones of users to offer them promotions, private sales, and additional products ... which improves customer retention.

7. Chatbots invade mobile

A chatbot is based on artificial intelligence to hold a conversation with the user. It facilitates rapid and transparent interactions between brands and customers on different digital channels such as websites, messaging tools, social networks ... and mobile applications!

Generally, mobile users have little time to conduct research. Especially since, on smartphones, it is not always easy to seek information.

Chatbots have already won over the hearts of Internet users: in 2022, 67 % of consumers interacted with a chatbot.

These conversational bots necessarily have a role to play in improving the user experience with your application. They can :

  • Advisor to products or services;
  • Answer questions before or after sales;
  • Encourage purchase via promotions or vouchers;
  • Encourage cross-sales;
  • Recover abandoned shopping baskets;
  • Send tutorials or content useful to the mobile user.

8. The ascent of the metaverse

The concept of Metaverse has been earning the chronicle for a few months now. The first to embark on the adventure is Mark Zuckerberg, the Facebook founder. Behind this fashionable term hides a digital world whose technology is shaped by virtual reality and augmented reality. You have to see this alternative universe as an extended digital lifestyle in which mobile applications can do well!

The meters offer users the possibility of meeting in one space to discuss, exchange, play, and buy ... To do this, they will need payment, shopping, messaging, games, etc. Companies in the field of video games, NFTs, and cryptocurrencies, but also banks, real estate agencies, clothing brands, or productivity tools, can take advantage of these decentralized worlds.

9. Wallet mobile as a new marketing channel


Customers want to pay for the products and services using the various payment platforms at their disposal. For example, when a consumer has Apple Pay, he expects to be able to use this service. Likewise for Google Pay or Paypal.

And that's not all! Mobile users also want to be able to easily find their loyalty cards, gift cards, tickets, and other tickets on their smartphones. One of the main trends in mobile marketing is the "mobile wallet".

As a reminder, the mobile portfolio is installed by default on smartphones: “Apple Wallet” on iPhones and “Google Pay” on Android phones. If the Wallet mobile is best known for containing consumer credit cards and allowing contactless mobile payments, it offers much more than a simple payment option.

Currently, there are 2.8 billion mobile portfolio users worldwide. Nothing suggests a slowdown in their use, on the contrary! The mobile portfolio market should grow 20% each year, between 2021 and 2027.


What are the opportunities offered by the Wallet mobile?

  • A permanent presence on the phone: the loyalty card and reduction coupons of your company remain in the user's smartphone, which can encourage them to be reassured more easily.
  • Dynamic content that you can control: you can easily update each card, offer reductions or easily transmit information.
  • Access to notifications: a Wallet mobile application can also send notifications on the user locking screen, which allows you to remain in the minds of mobile users and possibly encourage them to action.

10. Always more augmented reality


Augmented reality is gaining momentum in mobile marketing! This technology offers high experimental value. You can integrate your products into the daily lives of your consumers. Beauty brands, for example, use it to allow their customers to try lipstick, a hairstyle, or a foundation.

Lately, IKEA has distinguished itself with a tool that allows users to delete furniture from a room from their home to replace them with brand products. The idea is to help potential buyers project themselves with their new interior decoration.

Adopting the RA may not be an obligation to stay in the lead on your market. However, if you work in e-commerce, design, tourism, fashion, or beauty, you should get started. It’s (still) a unique opportunity to stand out from competitors!

11. Mobile streaming


We talked about it in our 2024 marketing trends, but the live video is indeed back in 2024.

Online events are today present in each marketing strategy of brands. Webinars, live action, streaming ... so many possibilities that allow brands to reach even more potential customers by diversifying their content.

While the video continues to dominate the mobile content in 2024, Live is part of this continuity of showing rather than writing to tell a story.

Our tip for mobile marketing
2024 is the year of all opportunities with mobile marketing. Especially with the 5G which is now widely developed and which encourages mobile users to spend time on their smartphone! To capture their attention, you will therefore have to direct your strategy to trends seen in this article.

Have you been accompanied by a freelancer to ensure the success of your mobile strategy!

Feb 15, 2024

15 strategies to learn how to manage your business

February 15, 2024 0 Comments

Directing a team is often a tiring and demanding experience. Fortunately, there are many techniques to make the management of a team much simpler and more gratifying.

By building a team for your project, you will start to see the best ways to help them, the objectives to be set, and how to communicate effectively with others. These strategies improve over time, but there are certain measures that you can take to speed up the process.

15 strategies to learn how to manage your business


Simplify your management strategy with these team management tips that will help you develop talents, lead your team, and get better results.

Do not allow yourself to embark blindly on a project without first examining the means to develop a group of united teammates. Here are some team management tips that will make your task easier.


1. Hire good people

Finding the right members for your team can be difficult, but it is crucial for the productivity of your project.

When hiring candidates, get to know them head-on to better know their talents, skills, and strengths. This will allow you to make informed decisions when adapting positions and responsibilities.

2. Set achievable objectives

Each member of your team should know what they are trying to achieve daily. Without clear and concise objectives, your team will lack deadlines or will forget tasks.

Set team objectives and also discuss individual objectives with each person to confirm that you are all on the same wavelength.

3. Establish a team mission

If your team must have governed goals from day to day, you must also have a long-term goal that you all try to achieve.

Open a discussion with your team members to share your ideas or suggestions on this subject. Use this feedback to define a team mission to which you must all work every day.

4. Be more effective

Tasks and responsibilities can easily be abandoned when several people work on the same project.

Effective management of the team makes it possible to ensure that each member of the team has a workload that corresponds to their skills and the maintenance committed. Often, this can mean that several people must be brought together to collaborate on certain tasks.


5. Maintain an open communication

It is essential to keep the communication channels open to ensure the success of any project.

The use of a tool like Toggl Plan can help your team know deadlines and individual tasks and allows them to discuss the details of these tasks between them. These capacities allow your project to take place smoothly and avoid overlapping responsibilities or non-compliance with deadlines.


6. Manage time with wisdom

Project managers tend to have the impression that there are never enough hours during the day, which makes effective time management a central element of any project.

Avoid activities that waste time, such as excessive meetings, personal use of social networks, and other distractions. Instead, keep your team's priorities under control thanks to numbered lists and final calendars.


7. Discuss teamwork in performance assessments

Responsibility is essential to maintain an effective work environment, which is why you should organize performance assessments at least once a year.

As part of these exams, discuss each person's contribution to the team and the extent to which they remain involved. Congratulate them for their positive contribution and discuss the means to improve any gaps.


8. Provide information feedback

Sincere praises are a source of motivation and dynamism for the members of your team. As part of your performance assessments, give honest feedback and constructive praise.

Also, give them the possibility of giving you feedback on your leadership tactics to make sure you do everything you need as a manager.


9. Solve the problem of the team

Unfortunately, the teams can disagree from time to time, which makes resolution an important aspect of your work. These questions are not always settled by themselves, so it may happen that you should intervene and help people concerned to find a solution or find a compromise. Avoid major group problems by solving conflicts immediately.


10. Be enthusiastic about projects

All good managers know that good humor is contagious for those around them. There will be times when work will be painful or particularly difficult. Find ways to maintain a positive attitude within your group by organizing competitions or offering additional incentives.


11. Make your part and more

Team management is not to point the finger and simply give instructions to others so that they do all the work. In particular when the deadlines are approaching or the workload is late, you have to be available to intervene and provide the necessary help. The members of your team will have more respect for you because they will see your efforts, which will push them to work harder too.


12. Organize team consolidation events

Your group must be a team both in the office and outside the office. Although they do not need to be best friends, the organization of team consolidation activities such as volunteering, the Happy Hour, or even a Tag Night can significantly improve reports within the team.

These types of events help your team to see themselves in scenarios of real life, which facilitates communication and work between them.

13. Encourage your team

Your team must feel appreciated for all the work it does, and it is your work to ensure that it has this feeling of accomplishment.

Move your group with short encouragement speeches or individual encouragement sessions to cheer up the team.

14. Maintain a positive atmosphere at the office

Whether it's hanging motivation citation posters in the office or organizing a “donut day” once a week, find ways to make your teammates happy.

Promote a positive work environment by compliments and recognizing people who excel in their function.

15. Celebrate the victories

Your team has set out objectives and a mission to be accomplished. Whenever these objectives are achieved or exceeded, you must be ready and available to reward the work of your team.

Organize a team party or find ways to honor your team individually as a triumph on its objectives.

Efficient team management advice for project managers

As a project manager, the weight of respect for the deadlines and the motivation of your team is based on your shoulders. Use these fifteen tactics to improve the efficiency of your team and facilitate the achievement of your goals. These team management skills will affect each project you are directing.

Mar 20, 2023

WHY AND HOW TO BECOME AN ECONOMIST?

March 20, 2023 0 Comments

 Today, the economy has become globalized. This has allowed the profession of an economist to develop and be highlighted, especially because of the economic crisis. An economist, therefore, specializes in economic issues and works for companies: he helps them make strategic decisions for the development of the company. How do you become an economist? What studies do you need to do and what are the necessary qualities?

 

why,become,economist,inet,institute,new,economic,thinking,economics,inaugural,king's,conference,cambridge,george,soros,robert,johnson,anatole,kaletsky,ian,goldin,perry,mehrling,joseph,stiglitz,john,kay,economics careers,what do economists do,should i study economics,jobs for economists,how much do economists get paid,how to become an economist,shorts,economics shorts,economics explained,education,professor,teaching

Why become an economist?

An economist is charged with quite varied tasks. He must know how to analyze the economic situation and make diagnoses to help his employers make the best decisions. The economist has a great influence on the strategy of the company or the bank for which he works.

 

It makes a diagnosis in the form of an economic model that includes short- and medium-term forecasts. The study it proposes may concern trends in the global economy or its components.

 

An economic researcher looks at the evolution of money and interest rates as well as tax policy or household consumption.

 

An economist can also work within a ministry or certain institutes, such as INSEE. Some international institutions such as the IMF may also call on economists.

 

It is also possible to work in the private sector (bank, company, insurance company).

 

This will actually depend on the specialization of the economist (statistics, monetary policy, labor market, etc.).

 

How to become an economist?

To be able to become an economist, you have to plan for long studies. Above all, it is necessary to pass an economic and social baccalaureate and then integrate a Grande Ecole or a Faculty of Economics.

 

BTS or DUT

After the Bac, you can consider a BTS or a DUT. Both degrees are recognized by the State and oriented toward the study of subjects related to management, finance, and commerce.

To become an economist, you can turn to a BTS:

 support for managerial action;

  • accounting and management;
  • in SME management;
  • in international trade;
  • Sales;
  • operational sales management;
  • Digitalization of the relationship.

If you prefer DUTs, you can choose from the following:

 

  • administrative and commercial management of organizations;
  • marketing techniques;
  • management of companies and administrations with options accounting and financial management;
  • management and management of organizations;
  • human resources management.

 

Contents

Both in BTS and DUT, you will have to deepen your knowledge and acquire skills in different areas such as:

 

  • environmental economics;
  • organizational management tools and techniques;
  • labour, commercial and tax law;
  • statistical analysis;
  • business strategy and project management;
  • operational marketing;
  • human resources management and logistics management;
  • production and database management;
  • management control and planning;
  • administrative and competition law;
  • purchasing and sales management;
  • marketing strategy and international trade;
  • IT;
  • the international economy;
  • macroeconomics and microeconomics;
  • the social and solidarity economy;
  • business management;
  • industrial economics and econometrics.

During a BTS or DUT, you will be asked to do an internship in a company.

 You can do it both in France and abroad. You can also choose a study-work path, under an apprenticeship contract or a professional contract in a host institution. This is a good way to use all the skills and knowledge acquired during your studies.

 

Bachelor's and Master's degrees

If you have a Bac + 2 in economics, you have the possibility to go to a Bac + 3 or a Bac + 5. If you want to do a bachelor's degree, you can opt for a bachelor's degree in economics-management, professional or not, or a diploma in a specialized school such as a business school, a management school, a school of human resources, a school of finance, an accounting school or a school of economics.

 The master's is possible after the bachelor's degree. You can obtain it in both a private and public institution, in France or abroad.

 

COUNSEL:

If you decide to go abroad, the courses will be given to you in English and will bring more weight to your course.

Doctorate

After a master's degree, you can opt for a Bac+8 and embark on a doctorate in a specific field of economics, finance, management, or even commerce.

 Going through a Ph.D. Will allow you to sharpen your knowledge and do in-depth research work. A doctorate lasts between 3 and 4 years.

You will be under the supervision of a thesis supervisor who should help you find a thesis topic. He will also preside over the jury for the evaluation of your research with a view to obtaining your degree. You will then become a doctor of economics.

 

What are the missions of an economist?

An economist plans, implements, and evaluates economic performance in a specific area. He studies economic problems for the organization in which he works.

One of its main tasks is the observation, recording, and interpretation of economic data in order to assess and anticipate trends. He also has the opportunity to make his own theories in the economic field and to have his research published in specialized journals.

 An economist may also:

  • collect and acquire data;
  • analyze and interpret collected data;
  • study economic trends (current or past) to anticipate trends;
  • analyze the effectiveness of the political and economic actions in place;
  • plan and develop specific lines of action in a specific economic sector;
  • provide economic advice;
  • research and publish;
  • teaching economics at university;
  • organize seminars and participate in symposia.
The average salary of an economist is between 2,500 and 4,000 euros per month. However, this may depend on their work environment, experience, and the field in which they specialize.

The salary of a teacher-researcher will depend in part on the publications he will perform. If the economist sees his work published internationally, he will have a greater reputation than if he publishes only in France, for example. He will also earn a better living.

 

Feb 10, 2023

Can an inheritance be refused? Renouncing an estate in case of debts

February 10, 2023 0 Comments

Do you think that an inheritance cannot be refused? And yet, it is quite possible! Even more so if the deceased leaves you with large debts. Renouncing an inheritance is a right. However, you must explain your decision and make it known clearly. You should also know that if you renounce an inheritance, you renounce it in its entirety! Impossible to refuse one party but to accept the other! So how do you refuse an inheritance?

There may be reasons why people refuse to inherit. In fact, it is not always interesting to accept it. It can even lead directly to problems.





How does an estate work?


An estate or inheritance consists of all property owned by the person who died. This can include a house, apartment, land, furniture, stock stocks, and even savings accounts. However, if the deceased had debts, they are also part of the inheritance!


The heirs are expected to pay the debts of the deceased. They may have to pay with their own personal money, in the event that the assets of the estate are not sufficient to repay the amount owed.


Important: Each heir can pay the inheritance debts but only up to his share of the inheritance. Thus, an heir who will benefit from one-third of the estate will have to pay one-third of the debts of the estate.


It is possible for heirs to renounce the succession, in certain cases.




When to refuse an inheritance?


It may be wise to renounce an inheritance. Often, a refusal of succession is justified by the presence of liabilities, and therefore debts, the amount of which is greater than that of the assets (the assets transferred). The person renouncing an inheritance, therefore, does not have the status of an heir. As a result, it does not affect any property.

Namely: inheritance debts cannot be claimed from him either.

You have 10 years to make your decision and make it known. If you have not expressed your choice within this period, it will be considered that you renounce the succession. However, some events may force you to make a decision quickly. First of all, you must file the declaration of succession with the tax authorities within 6 months of the death.


Similarly, the creditors of the deceased (this can be banks, landlords for unpaid rent, or a condominium trustee for charges related to the co-ownership) can speed things up and therefore force an heir to accept or refuse an inheritance.


Important: according to the law, a period of 4 months after the succession must be respected to give the heirs time to make a decision.


According to Article 807 of the Civil Code, it is possible for an heir who has renounced the succession to withdraw and reverse his decision. However, in this case, no other heir must have accepted the succession. It must also be less than 10 years since the death.

There is also the possibility of renouncing the succession on behalf of one's minor children. This is the case if you think that the deceased's liabilities could harm your children. To do this, you must request a document allowing a minor child to be waived by the tribunal de grande instance. It will be necessary to indicate the patrimony of the deceased. The judge must, in fact, be sure that you are giving up your children for their good, because of debts, in particular.

The renunciation of the succession may also be registered by the notary who is in charge of the estate of the deceased.

Conditions


Renouncing an estate differs from acceptance. Already, this cannot be tacit. The heir must clearly express his or her wish to renounce the succession. He must fill out an official form: Renunciation of succession by an adult.

The heir must then print the document and deposit or send it, by registered mail with acknowledgment of receipt, to the registry of the court of the place of the last domicile of the deceased.

Certain documents must also be attached to the mail, including a copy of the identity document of the person renouncing the estate and the death certificate of the deceased.

The heir then receives a receipt, in the form of a simple letter, which specifies that the renunciation of the succession is registered by the registry of the judicial court and appears in the Register of renunciations of succession. You must also attach a full copy of your birth certificate less than three months old.

To find the competent court, you can go to the justice.fr website, in the tab "Access to justice" and "Find a court". By entering the postal code, you should be able to easily find the Judicial Court.

Why renounce an inheritance?


There are several reasons that can influence the decision to renounce an inheritance. These include:


a conflict with the parents that have led to a breakdown in contact for years;

the willingness not to pay the deceased's debts, if any. This is particularly valuable when liabilities exceed assets;

the decision to benefit his children. If you renounce your inheritance, your children will have priority, or your siblings if you do not have a legal heir.

Namely: if all the heirs renounce the succession when there are debts, it is quite common, then in this case, the creditors are never repaid. This is possible.


There is another solution than to renounce the succession. You can opt for acceptance up to the net assets. Thus, you remain heir and if the asset is positive, then you inherit it. If the estate is negative, however, you don't need to pay the debts.

This is a good alternative if you don't know what to expect with inheritance.

To consider this solution, however, you need to invest your time and money. You must make a declaration at the court office and pay a notary to make an inventory of the deceased's property.

The inventory is sent to creditors who can therefore use it to repay the debts. If after that, there is money left, then you can inherit it. If there is nothing left but the debts are not all repaid, you will not have to pay anything out of your own pocket.

Is it a good idea to refuse an inheritance?


There are cases where an heir will refuse his share of inheritance even though the assets are greater than the liabilities and thus he is a beneficiary. This may be in order to privilege his children. So he refuses inheritance out of generosity. This is entirely possible, according to Article 805 of the Civil Code.


This is not necessarily a good idea. It is possible that later on, the financial situation of the heir will deteriorate either because he is unemployed, or because he suffers from a disability or illness. As a result, the person may come to regret having renounced his or her inheritance.


In addition, from a tax point of view, renouncing an inheritance in favor of one's children is not necessarily a good plan. Children may be subject to the scale of direct succession, but they will not have an allowance each. They will therefore have to share the allowance to which their parent who renounces the succession would be entitled.


In this case, rather than renouncing the inheritance in favor of your children, it would be better to receive the inheritance and then agree to donations to the children. You will then be able to take advantage of the various allowances available, such as the allowance of 100,000 euros per child, authorized once every 15 years.


You should also know that refusing an inheritance does not prevent you from having to settle certain debts, especially those related to the maintenance obligation, as provided for in the Civil Code.

Important: A child who has renounced the estate of one of his parents must still pay the funeral expenses if the estate assets are not sufficient. He can also be asked to reimburse certain social benefits from which his parent benefited, such as ASH (social assistance for accommodation), allocated by the county council.

Dec 16, 2022

WILL IT BE NECESSARY TO INVEST IN BITCOIN IN 2023?

December 16, 2022 0 Comments

Cryptocurrencies have become staples of the global financial landscape. The best-known of these virtual currencies is probably bitcoin. It has attracted many investors, but the high volatility of its price also raises some concerns. Under these conditions, can bitcoin represent an interesting investment for 2023?





WHAT IS BITCOIN?

Bitcoin is a cryptocurrency founded in 2008 by a Japanese, Satoshi Nakamoto. This virtual currency is limited, initially, to 21 million units, the smallest being the 'satoshi', named after the creator of the currency.

What makes this cryptocurrency special is that all transactions in which it is involved are recorded in a kind of public ledger, called 'blockchain'. It is deemed unfalsifiable.

As we can read in the blurb of Bitcoin Era, a site specializing in cryptocurrency trading, the bitcoin-based system works without the intervention of any central authority. This is another of its originalities, and not the least.

It is therefore a decentralized currency, which quickly attracted many investors. Indeed, its capitalization exceeded $ 1,000 billion during the first quarter of 2021.


EXPERTS' OPTIMISTIC PREDICTIONS FOR 2023

The price of bitcoin, like that of all cryptocurrencies, is very changeable, it is difficult to pronounce its evolution. It is this volatility that explains the divergent opinions of experts on it.

Some are rather optimistic about the immediate future. They believe that after the period of decline experienced by bitcoin, for a year, its value could rise again in mid-2023.

For these analysts, the price of bitcoin moves in periods. After a downward cycle in early 2023, it is expected to rise again in the middle of the year.

Some analysts are even more optimistic. Indeed, they see bitcoin exceeding $ 80,000, or even $ 250,000. Which, to say the least, does not seem to reflect the current trend.


SOME EXPERTS ARE MORE
PESSIMISTIC ABOUT THE FUTURE OF CRYPTOCURRENCY IN 2023

The relative pessimism of these analysts is based primarily on the figures. Indeed, bitcoin had reached, in November 2021, the historic level of $ 68,789, a more than a 1,600% increase compared to March 2020.

However, since that date, the value of the cryptocurrency has continued to fall. Indeed, the price of bitcoin is only $ 16,700 as of November 24, 2022. Between November 2021 and November 2022, the value of this digital currency fell by nearly 75%.

These experts explain this evolution in particular from a rather gloomy economic context. Indeed, high inflation, partly linked to the war in Ukraine, and the increase in interest rates, due in particular to the policy of the US Federal Reserve (FED), make investors more cautious.


IS IT TOO LATE TO INVEST?

The current downward trend in the price of bitcoin could discourage potential buyers. Moreover, the behavior of this cryptocurrency is too familiar to them. So it no longer holds enough surprises.

Some investors also blame the operation of what specialists call 'mining', a complex process to secure bitcoin transactions.

But, for others, it's not yet too late to acquire bitcoins. They are based on some optimistic forecasts for 2023. Another element reassures them about the future of cryptocurrency: its adoption by financial institutions and investment funds.

But what reinforces the confidence of some maintains the pessimism of others. To them, in fact, this 'institutionalization' of bitcoin seems ominous, because it suggests lower returns.

WHERE TO BUY BITCOINS?

There are several possibilities to buy bitcoins. We can first go through platforms specialized in buying and selling bitcoins. So they work a bit like stock exchanges.

By using these platforms, the user, therefore, integrates a digital market. This 'bitcoin exchange' makes it possible to convert a currency, such as a dollar or a euro, into bitcoins. The reverse process is also possible.

Once on the platform, in fact, where he has created an account, the user must link it to a bank account, whose resources will allow him to buy bitcoins.

There are also bitcoin ATMs. They are often found in crowded places, such as airports or train stations. Simply swipe a sum of money into these ATMs to receive the equivalent in bitcoins.

Once these bitcoins are purchased, it is possible to store them in a 'wallet', in other words, a digital wallet.

Find a payment by credit card how to do?

December 16, 2022 0 Comments

 Do you have a doubt about a payment made by credit card some time ago? Your balance is not what you had expected and you think there is an error? A merchant claims a sum from you when you remember paying it by credit card? For many reasons, you may need to look for a card payment. We explain how to do this.



View your account transaction history

First, it is worth checking the history of your financial transactions. They are all recorded on your account statements and you can consult them on your paper and digital documents. You can even search directly from your customer area via your bank's website or from the mobile application.


From your bank's website

By logging into your customer area, you can enter an indication in the search bar. It is possible to search for a transaction by date, amount, or payment type. In this case, you can type "CB" as well as a certain period.


Via your phone or tablet

The same search can be done from your mobile app. Simply download the app from the App Store or Google Play and log in. From the menu, select your map page, and then select the management page. It should then be possible to view the transaction history in which you can search for the credit card payment in question.


By doing additional research on the Internet

If the company name does not appear on the ticket, as often happens, you will need to do further web research. In this case, start by doing a search by date and look for the titles you don't recognize. Now you just have to search for this company on Google or any other search engine. Simply enter the label that appears on your credit card receipt. You will get information about the company in question such as its location or industry. You will then be able to remember the establishment you are looking for.

If your search is not successful, contact your bank and ask your advisor to do some research. If he agrees, which is not always the case, know that this service will certainly be charged to you.


Disputing a payment by credit card that has already been debited: is it possible and how to do it?

Do you notice a payment by credit card that seems fraudulent to you? Notify your bank immediately, you may be able to object, even if it was you who was the originator of this payment.

CB fraud: What are your rights if the fraudulent debit is proven?

First, you need to wait for your bank to confirm that you are a victim of fraud. If this is the case, your bank is obliged to reimburse you the full amount. The type of insurance contract you have taken out does not change this right and even without insurance, you must be reimbursed.

If this incident has caused an overdraft situation, your bank will also have to reimburse you for all the costs incurred (agios, payment incident fees, information letter, intervention commission, etc.).

In case of refusal, write to the mediator whose contact details you will find on your bank's website. If the latter persists in refusing any refund, take the matter to court.


7 tips to avoid having your credit card hacked

There are a few things you can do to help you avoid getting hacked:

  • Store your credit card: it is strongly recommended to place it in a wallet that must itself be stored on you or in a purse that you will keep nearby.
  • Do not leave your credit card tickets lying around: destroy them, fraudsters could use the information they contain.
  • Memorize your codes, do not write them down: if someone has stolen your credit card and your smartphone and your codes are written in them, the danger is great.
  • Shop on secure sites: If so, the URL will start with "HTTPS", with the final "s" standing for "secure".
  • Hide your credit card numbers: for example, you can erase the cryptogram, but this will not prevent fraud related to phishing or malware installation.
  • Don't let anyone see your code: When making a purchase or pickup, make sure no one is looking over your shoulder.
  • For online payments, choose virtual cards whose number is valid only once.

The whole point of doing your accounts and keeping your credit card tickets is to be able to notice the slightest error. If this is the case, notify your bank as soon as possible. You should be able to find your credit card payment quickly. And above all, don't forget to destroy your tickets afterward!


The case of fraudulent debit

You still have your credit card in your possession, but someone used your numbers to make a purchase? You are a victim of credit card fraud! Object as soon as possible and contact your advisor.

If you no longer have your bank card in your possession because it has been stolen, go and file a complaint with the police (gendarmerie or police). If you have lost it and you see a suspicious payment a few days later, go file a complaint as well.


The case of authorized flow

You may also want to dispute a payment that you have made, but whose amount does not seem to correspond to the value of your purchase. You may find yourself in this situation if you give your card numbers to an organization for a reservation and the final payment is surprisingly important. It should be noted that the law authorizes (Article L133-25) the contestation of payment if:

  • you did not know the exact amount of the purchase in advance;
  • The final amount exceeds what you could "reasonably expect".

These two conditions must be met and this dispute must be made within 8 weeks after the day of the debit. The bank must refund the full amount within 10 days. Otherwise, it must justify its refusal.

If a merchant has made an input error on the payment terminal and you have not seen it, you will have to settle this amicably with it in the hope that it is in good faith. Your bank may say that the problem is contractual, but not the result of a serious offence. It may therefore refuse to reimburse you.


What is the legal deadline to dispute a payment?

According to Article L133-24, in the event of an unauthorized or poorly executed transaction, you must report the incident to your bank within 13 months of the date of payment, unless the merchant has not given you a ticket.

If the payment was made outside the European Economic Area, the period is reduced to 70 days. It can possibly be extended to 120 days on a contractual basis.

Dec 8, 2022

Meta threatens to shut down Facebook News in the United State

December 08, 2022 0 Comments

Facebook's parent company, Meta Platforms Inc, on Monday, threatened to remove news from its platform if the U.S. 



Congress passes a proposal to make it easier for news organizations to bargain collectively with companies such as Alphabet Inc's Google and Facebook. Sources briefed on the matter said lawmakers were considering adding the Competition and Journalism Preservation Act to a must-have annual defense bill to help the struggling local news industry.

Introduced last year with bipartisan support, the bill would allow publishers to negotiate with platforms like Facebook and Google over the distribution of their content. It's supposed to give news publishers leverage against Big Tech and could force Facebook to pay to include news on its platform, something Facebook has fiercely fought against in the past in other countries.

Meta spokesman Andy Stone said in a tweet that the company would be forced to consider removing news if the law is passed "rather than submit to government-mandated negotiations that unfairly overlook any value we provide to news organizations by increasing traffic and subscriptions."

Meta, the social media conglomerate formerly known as Facebook, has threatened to remove news from its platforms if the U.S. passes a law that would require it to negotiate with publishers to pay them to allow links to their content.

Sounds familiar, doesn't it?

The European and Australian position


It must be said that in Europe, the 2019 European copyright reform established a "neighboring right" for the benefit of press publishers and press agencies. This measure is supposed to help them get paid for the takeover of their content by online platforms and other aggregators, thus compensating for the collapse of their traditional advertising revenues to the benefit of Internet giants, such as Facebook and Google.

Jesper Doub, Director of News Partnerships at Meta (which was called Facebook at the time), Europe, Middle East, and Africa, said in a statement:

"The law of 24 July 2019 to create a neighboring right for the benefit of press agencies and press publishers – which transposed Article 15 of the European Directive on copyright and related rights – enters into force on 24 October 2019. The provisions of this law provide, inter alia, for the authorization of press publishers to display on online platforms, in an enriched format, links to their content.

"This is already the case on Facebook. Press publishers decide on the publication of their content on our platform. We will continue to display their content in a rich format, including images, titles, excerpts, and other fields that they publish via their RSS feed. However, a very small part of the content on our platform is published by users, without having received the consent of the press publishers. Also, if they want the links published by users to be displayed in a rich format on Facebook, they will have the opportunity to give us their consent and inform us of their wish that these links to be displayed in a rich format.

"In the spirit of Article 15, we want to create even more value for the content of press publishers. Thus, we are in discussions with French publishers to set up a dedicated space on Facebook where French users will be able to consult publishers' content. We want to support quality journalism and believe that a new space dedicated to news will give French users access to more reliable sources, and lead them to discover new media, thus expanding the audience of our partners' content. Our discussions with French publishers to define what the best experience would look like in this area and how we could compensate our partners appropriately, are already underway and will continue beyond October 24."

Then, the phenomenon spread to Australia: the authorities worked on a similar law whose first version was more aggressive. Not only was there talk of forcing tech giants to negotiate with news sites, but the bill, in its original form, proposed an arbitration process where each party (an Australian publisher and a tech giant, respectively) would present a proposal, and then an independent arbitrator would decide which proposal was more "reasonable." This has been widely seen as increasing the bargaining power of news sites.

In January 2021, Google threatened to shut down its Australian search engine if the law went into effect. In February 2021, Facebook went even further by preventing users from sharing Australian news articles. Microsoft seized the opportunity to undermine its rivals, strongly endorsing the Australian approach and supporting the concept of payment for news content.

After several days of intense negotiations, Facebook and Australia reached a face-saving deal. Facebook has agreed to reactivate the sharing of news articles. In exchange, the Australian government allowed Facebook to withdraw from the forced arbitration process if it could convince the government that it had already "made a significant contribution to the sustainability of the Australian news industry by entering into commercial agreements with news media companies." Both Google and Facebook have struck deals with Australian media companies in a bid to show that more coercive measures are not necessary.

The revised law gives tech companies a longer period to enter into voluntary agreements before being forced into an arbitration process.

While these changes were tactical gains for Facebook and Google over Australia's harsh original proposal, it's clear that the tech giants have abandoned their previous position that they shouldn't have to pay at all.

Then comes the United State. Bill.


No doubt encouraged by these "successes", American lawmakers are trying to replicate their essence. The U.S. Journalism Competition and Preservation Act of 2022 (JCPA) has similar goals to Australia, but relies on smaller publishers (those with fewer than 1,500 employees) and broadcasters to unite and negotiate with Facebook and Google on the "terms and conditions of covered platform access to digital news content."

The definition of "covered platform" refers to an online platform with at least 50 million U.S.-based users, annual net sales exceeding $550 billion, or at least one billion monthly active users worldwide.

In other words: Meta and Google.

The Meta reaction


Andy Stone, head of meta-communications, expressed the social network's dissatisfaction with the bill as follows:

"If Congress passes a reckless journalism bill as part of national security legislation, we will be forced to consider removing information from our platform altogether rather than submit to government-mandated negotiations that unfairly disregard any value we provide to news outlets through increased traffic and subscription. The JCPA fails to identify a key fact: publishers and broadcasters put their content on our platforms because of the profits they subsequently derive from it, not the other way around. No company should have to pay for content that users don't want to see and that isn't a significant source of revenue. Put simply: The government's creation of a cartel-like entity that forces a private company to subsidize other private entities is a terrible precedent for all American companies."
It turns out that this language is very, very similar to the wording Meta has used elsewhere.

The company's argument against Canada's online news bill (Bill C-18) also argues that publishers benefit from sharing their work on Facebook because it is more widely viewed, which boosts subscriptions and helps them sell ads. And that's exactly what Facebook said in Australia, where local Facebook executives lamented that local law "fundamentally misunderstands the relationship between our platform and the publishers who use it to share news content."

However, the Australian government won the game after modifying the negotiation process mentioned above. The Australian program has worked quite well. News organizations that received money from Google and Facebook used it to hire staff in rural and regional communities. But other publishers (often smaller entities or those that don't cover the news) haven't been able to bring the web giants to the table and haven't seen any money.

The Canadian bill is being studied in committee and the U.S. bill has been referred to the Senate Judiciary Subcommittee on Competition Policy, Antitrust, and Consumer Rights.

But the idea that big tech companies should participate to ensure the survival of news organizations is emulated. India has expressed interest in the arrangement and New Zealand last Sunday announced a plan for a published link payment system.

All governments considering the arrangement can draw on the Australian experience.

However, if the goal is to burnish his image with voters by conducting this type of operation, the politicians involved may not know that Josh Frydenberg (the minister who led the negotiations with Facebook) has often cited securing the company's payments as an example of why he deserved to be re-elected. But he lost his seat in the May 2022 Australian election, when the government of which he was a member was also removed from office. Reasons unrelated to the Facebook deal were behind both losses. So while Australia's deal with Facebook was welcomed locally, it didn't bring in much political capital.

The opinion of the inventor of the web (Tim Berners-Lee) - on the question:

"On the web, content sharing relies on users' ability to do two things: create content, usually text, but also other media; and link in this content to other parts of the web. This is consistent with human discourse in general, in which there is a right, and often a duty, to make references. An academic article is needed to list references to other articles that are linked. Journalist is normally required to refer to their sources. Bloggers' discourse involves links from one blog to another. The value of the blog lies both in the text and in the carefully chosen links.

Before search engines were effective on the web, following links from one page to another was the only way to find content. Search engines make this process much more efficient, but they can only do this by using the link structure of the web as their main input. Links are therefore fundamental for the web.

As I understand it, the proposed code is intended to require certain digital platforms to negotiate and possibly pay to link to news content from a particular group of news providers.

Charging a fee for a link on the web blocks an important aspect of the value of web content. To my knowledge, there are currently no examples of a legal payment requirement for links to other content. The possibility of establishing links freely - that is, without limitations on the content of the linked site and free of charge - is fundamental for the functioning of the web, its development so far, and its future growth in the decades to come.

Like many others, I support the right of publishers and content creators to be properly rewarded for their work. This is undoubtedly an issue that needs to be addressed, both in Australia and around the world. However, I firmly believe that constraints on the use of hyperlinks are not the right way to achieve this goal. This would undermine the fundamental principle of the ability to freely link on the web and is incompatible with the way the web has been able to function over the past three decades. If this precedent were followed elsewhere, it could render the web unusable worldwide. I therefore respectfully ask the committee to remove this mechanism from the emerging code of conduct."



Why you need a bank account in the United States

December 08, 2022 0 Comments

 When you first arrive in the United States, you may not know what to do with your money or who to trust. You certainly feel nervous about giving your money to a stranger in a bank.


You may have never used a bank before and are wondering why you need a bank account. This page will help you understand two of the most popular types of bank accounts. requirements for opening an account, fees, and how to manage your account balance.

In the United States, there are different types of financial institutions such as commercial banks, savings (savings and loan associations, savings banks), and credit unions. Each of these institutions has different rules and regulations and varying offerings for their clients.

One of the most popular choices is commercial banking. The Federal Reserve regulates commercial banks. If you have at least $250,000 and your bank is owned by the Federal Deposit Insurance Corporation (FDIC), your money is protected.


Why you need a bank account

Keeping large sums of money in your house or apartment or with you is not a good idea as it can be lost or stolen. It's best to keep most of your money in a bank or credit union. Millions of Americans use banks; There are a few reasons why you should open a bank account:


  • Your money is safe because federal laws protect your money from unauthorized transactions and errors.
  • You can build your credit history in the United States.
  • You can make bank transfers easily and securely.
  • You can keep an eye on your finances.
  • It's easier to receive your paycheck.
  • It's also easier to pay for things by mail or online.

Types of bank accounts

You can open a savings account or a checking account.

Current accounts allow you to deposit money and pay your bills. Once you work, you can receive your paycheck as a direct deposit, meaning it will go directly from the employer to your checking account.

If you have savings or want to start saving, you can open a separate bank account. Savings accounts help you save money for the future. You can earn interest by putting money into a savings account. However, most savings accounts only allow you to withdraw money from the account a few times a month.

Opening a bank account

To open a bank account, you will need a small amount of money, usually between $25 and $100.

Before choosing a bank, you should ask your friends and family for suggestions, do some research online, read reviews and once you find a suitable bank for you, ask questions about the conditions, special fees, and benefits that the bank can provide you.

Although they may vary depending on the bank chosen, the main requirements for opening a bank account are as follows:

  • Be at least 18 years old.
  • Two types of photo identification such as your driver's license or passport.
  • A social security number or individual taxpayer number.
  • A service invoice, this document must indicate your current address.
  • Provide a phone number and email address.
  • If you open a joint account (an account shared with another person such as your spouse), both people must be present.

Cheques and debit cards

When you open your savings or checking account, you can get a debit card and a checkbook.




A debit card is a plastic card that allows you to get money from an ATM (ATM), a special machine that holds money. You can also use it to pay for purchases. When you use your debit card or cheque, the money goes out of your bank account.

You can also use your debit card to pay for things in stores, online, and over the phone. Be careful when using your debit card online.

In order to protect your identity, you must have a PIN (personal identification number) to use your card. You enter your PIN every time you take money from ATMs or buy something. If you lose the card or it is stolen, no one can use it unless they know the PIN.

Cheques are a form that you fill out and sign to pay for purchases. The person who receives your cheque deposits it in their bank and your bank pays them by deducting the amount from your account. You can use cheques to pay bills, such as your rent and utilities. Local businesses can also accept your cheques if they know you.

Bank charges

Whether you choose a savings account or a checking account, ask if you qualify for a free account. It is best to be able to deposit money (put money in the bank) and make withdrawals (withdraw money from the bank) without having to pay any fees.

Bank employees can answer your questions and help you understand how banks work.

Some banks will charge you a fee if you use other banks' ATMs and withdraw more money than you have in your checking account. If you make too many withdrawals from your savings account, you may incur additional fees.

Most banks have some form of the free checking account, so you shouldn't have to pay any fees. You can get better rates at a credit union, a type of bank owned by its members.

Manage your bank balance

Once you have a bank account, you need to be careful to only spend the amount you have in your bank. If you write a check but don't have enough money for the check, you'll have to pay an overdraft fee of $50 or more. If you make a mistake, you can explain to the bank that it was a real misunderstanding and politely ask the bank to refund the fee, but it is possible that the bank will refuse.

To avoid mistakes, you can check how much money you have in savings or in your checking account at the bank, online, or at the ATM. The amount you have is called "bank balance". Overdraft fees cost a lot of money, so it's advisable to keep a close eye on your bank balance!

Dec 5, 2022

How to find money quickly?

December 05, 2022 0 Comments

 There are times in life when a large sum of money can be needed quickly. The unexpected is part of life, but we haven't always been able or thought of putting money aside. For example, we may find ourselves in the need to find € 2,000 as soon as possible. Well, know that there are solutions and that sometimes you only need a little organization and motivation to get there. We give you some tips in the rest of this article. The choice is yours!



Check your different accounts

Before you worry too much, start by checking your various accounts and booklets. If you have taken out a revolving credit in the past, check that you do not have an amount available. Take a look at the accounts you may already have opened (Revolut or Nickel Card, Livret A, employee savings). If you use PayPal frequently, make sure your balance is not in credit. By accumulating all accounts, you may be able to get closer to the amount you are looking for.


Make a loan

If you don't have €2,000 set aside, perhaps the quickest way is to borrow it. You can consider personal credit or revolving credit (or revolving). Most banks offer this type of loan that works differently.

In the case of personal credit, the bank lends you a certain amount by defining a rate and a repayment period. As part of a personal loan, you will not be asked what this amount should be used for.

Revolving credit is actually a reserve of money that you can use without justifying yourself. The money that is refunded can be reused at will. If you have been awarded €2,000, you can use only €1,000. When you have repaid this € 1,000, you will again have an available € 2,000. But the rates of this type of credit are much higher than those of conventional personal credit. This type of loan is to be used on an ad hoc basis.

Each loan increases your debt ratio: do not commit lightly. It is advisable not to exceed 35%, which can quickly be the case if you accumulate debts.

If the institutions do not want to lend you money because your income does not allow it, because you are not on a permanent contract or because you are registered by the Bank of France, you can try the pawnshop.


Sort through your items and sell!

If you collect many items over the years, now is the time to sort it out. There are things that are not valued but do. It is enough to inquire and today, thanks to the Internet, it is easy to know the argus of objects. By logging into eBay or Leboncoin, you can discover the selling price of almost everything.

Selling what no longer serves you also have the advantage of freeing up space so, do not hesitate to sort through your attic or cellar.


Rent your apartment

If you manage to rent your accommodation for 20 nights at 50 € on Airbnb, you will have won your bet! And it is quite possible and even faster if the school holidays are approaching. Set up a room that you can give to guests or take advantage of one of your absences to rent your entire space. Take care of the decoration and apply yourself when you take photos. You can also hire a professional photographer if you want to put even more chances on your side.

Also, rent your vehicle

If the previous idea appealed to you and you own a car, rent it! All you have to do is take a picture of your car and post an ad on a site like OuiCar. Registration is free, rentals are provided by AXA and you can be reimbursed for your maintenance costs. If you use your car on a daily basis, it can be complicated, but you can still rent your vehicle on weekends or during your holidays. If you use your vehicle a little, renting your car is a solution that can save you € 2,000 in a few weeks.


Become a human guinea pig

Pharmaceutical companies post ads when they are looking for volunteers for clinical trials. This solution can allow you to earn € 2,000 in 2 weeks! To do this, one must be in good general health and have a healthy life.

For each study, the laboratory provides you with a detailed list of what is forbidden to absorb. If your profile allows you to join a panel, you will be hospitalized and will follow a specific protocol for a fixed period. If you are in the placebo group, you are not taking any risks. Otherwise, you will test a drug, but do not worry, the animal testing phases will have allowed for new extremely safe trials. If you work from your computer, you can even work during your hospitalization!


Open multiple bank accounts

Many banks (mainly online banks) offer a sum of money for any new registration. Others also offer you a sum if you refer someone. You can therefore try to open as many accounts as possible, but be careful, most banks require a deposit of a minimum amount to open one. If you open your accounts one after the other, you will be able to use the same working capital. If you later ask your loved ones if someone plans to open an online account, you can offer a sponsorship. In general, the godfather and the godson receive a nice sum. If you have opened an account in each online bank, you will be able to refer any potential customer of online banks!

Also note that if you manage to negotiate a cash facility in several banks, you further increase your possibilities. But this reflex creates a vicious circle and anyway your accounts must become positive again within 1 month. The overdraft authorization can only be used temporarily.

Sell your hair

Did you know that hair can be bought at high prices to make wigs or hair extensions? Sites have even specialized in this type of business: test JeVendsMesCheveux.com or BuyAndSellHair.com and earn more than € 1,000 depending on the length of your hair, its color and quality. It may not be enough to reach the desired amount, but if you combine this solution with other tricks, you will succeed. If you plan to cut your hair soon, you might as well take advantage of it and monetize your change of look!


Offer your services!

Have you acquired know-how in a particular field? Whether it's photography, design, or copywriting, there are many freelance platforms you can sign up for. You will supplement your current income and if you like it and word of mouth works, you may be able to make professional retraining. In the meantime, or if that's not your goal, you'll be able to make money pretty quickly. Try Malt or Welcome to the Jungle and meet people!

If you do not feel the soul of a freelancer, you can also sell your services as a babysitter, pet sitter, gardener, handyman, or mover. The need help site connects do-it-yourselfers with people who need help with work, moving, delivery, or home services.


Sports betting

Sports betting makes many fans dream, but it remains a risky solution. You could lose more than you gain. But if you're a sports expert or you're the king of predictions, go for it. And if, like Marty McFly, you have the almanac of the sports of the future, jump at the chance! The Betclic site claims to be the No. 1 sports betting in France and many disciplines are represented: tennis, football, baseball, boxing, cycling, etc.

As we have seen, there are a good number of solutions that allow you to find € 2,000 quite quickly. To put a maximum of chances on your side, you better accumulate the plans. Among our proposals, there are surely several that you can put into practice. Beware of your debt ratio, avoid gambling and betting and favor the sale of objects and services!