Business
Braidwood Capital Review: Not The Right Way To Manage Money During The Coronavirus

Braidwood Capital has begun flooding the market with debt consolidation and credit card relief in the mail. The problem is that the terms and conditions are at the very least confusing, and possibly even suspect. The interest rates are so low that you would have to have near-perfect credit to be approved for one of their offers. Best 2020 Reviews, the personal finance review site, has been following Braidwood Capital, Tiffany Funding, Nickel Advisors, Coral Funding, Neon Funding, Ladder Advisors (also known as Carina Advisors, Corey Advisors, Pennon Partners, Jayhawk Advisors, Clay Advisors, Colony Associates, and Pine Advisors, etc.).
Several Americans have been affected by the ongoing pandemic that’s left them in a state of weakened financial health and financial devastation. The number of people losing their jobs and filing for unemployment is increasing with each passing day.
However, there are still plenty of employees that haven’t experienced the turmoil of a financial crisis. According to a recent survey conducted in the second week of April, almost a quarter of the working-class admitted that their financial circumstances hadn’t been impacted heavily by the coronavirus pandemic.
But that number is still not high enough as companies continue to lay off employees every day. The pandemic has forced many organizations to make salary cuts and hinder 401(k) match programs that have impacted the financial stability of the working class.
The citizens that continue to be employed are faced with an increased need to understand and manage their financial matters as the situation continues to be uncertain, and there’s no promise of employment security. This looming threat of financial uncertainty should push you to make smarter financial decisions and prepare for the upcoming uncertain times.
If you’re one of those lucky people who have managed to retain their jobs, then the responsibility of keeping your financial situation stable falls upon you even more. This time of social distancing and limited movement needs to be turned into your favor to eliminate the risk of a possible financial struggle and even help you improve your overall financial standing.
If you’re wondering how to turn this situation into your best interest, then we have some essential tips for you to accelerate your debt elimination process, increase your savings, and redesign your budget while you continue to work from home. Let’s get straight to it.
Shift from spending to saving
Staying at home has its benefits, especially financial. You cut a lot of costs on gas and commute. The absence of social commitments and outdoor activities saves up hundreds of dollars in your budget. The habit of eating out has changed to having homemade meals, which is a much cheaper alternative.
If the amount you’re saving isn’t going in helping others, it most definitely should make its way into your emergency funds. Ideally, you should have enough savings to cover your living cost for the next four to six months. However, that might not be possible for everyone to manage, so you should at least start saving up for the upcoming month and then build upon it from there.
If you’re fortunate enough to already have a substantial emergency fund, then the money saved from the lack of social interactions should go into paying off your debts and strengthening your retirement plans. Let’s discuss them below in further detail.
Prioritize paying off your student loans
In light of the ongoing coronavirus pandemic, most federal student loans have suspended payments and made them entirely interest-free until the end of September 2020. This was a very welcome decision and can play an especially favorable role in your situation.
If you start catching up on your student loan at this time, it would mean that you’ll be directly reducing the principal on your entire student loan. This has the potential to save you thousands of dollars in the longer run.
However, paying off your student loans shouldn’t take precedence in priorities if your savings are needs to meet other urgent situations. For example, if you also have a credit card loan to your name, then using your savings to pay off debt with higher-interest rates first.
Bulking up your emergency fund should also be higher on the list of your priorities if you aren’t covered for the upcoming months.
Moreover, if you’re already on a public service loan forgiveness program or any other program of the sort, then expediting your payments may not work in your best interest in the long run.
Boost your 401(k) contributions
In the ideal case of having a substantial emergency fund and a comfortably manageable debt, you should divert your attention towards boosting up your retirement savings.
You can make contributions to your 401(k) or 403(b) retirement plans by purchasing shares at discounted prices offered in these months compared to peak months like February. Planning a boost for your retirement plans this year gives you the opportunity to it at reduced prices and increased returns when the situation goes back to normal.
Lower your mortgage rate
If you’re a homeowner on a mortgage, this might be a good time to refinance your mortgage. The interest rates on mortgages have been lowered due to the pandemic, which can help you lower your housing costs.
The benefit also implies to new homeowners because mortgage rates are down by at least 1% compared to last year, and it makes a significant difference in the long run. However, with lowered interest-rates, more and more people will apply for refinancing, which could make it harder to qualify for it than before.
Help your community in crisis
Although helping your community financially doesn’t really add practical value to your standing, it can immensely help people in desperate need of it. If you use your stable financial standing to support small businesses, donating to local food banks, and helping the most vulnerable in your community, it will be an excellent way to give back to your community.
Spending money to help others reflect your moral values and will comfort someone in dire need in these times of uncertainty.
Conclusion
You’re indeed fortunate if you haven’t been that affected by the pandemic’s devastations, and that puts you in a higher position of responsibility towards improving your financial standing and helping those in need.
Business
Spynn’s PR Playbook for Startups Turning Funding into Market Leadership

Byline: Jennyfer Ann Valencia
The recent funding boom in India, where startups raised over $428 million between March 10 and March 15, 2025, reinforces the critical role of public relations (PR) in securing investor confidence and enhancing visibility. As competition intensifies, effective PR strategies help startups differentiate themselves and build a strong market presence.
Spynn, a PR agency for startups specializing in securing top-tier media coverage, enables startups to craft compelling narratives that attract investors and maintain a positive brand image.
The Role of PR in Startup Funding
A recent survey conducted by Spynn found that startups with a strong PR strategy are significantly more likely to secure funding rounds than those without. According to the research, nearly 70% of investors say media visibility and brand credibility helped their decision-making process. This highlights PR’s direct impact on a startup’s ability to attract investment.
PR helps startups articulate their value to investors by securing media coverage and highlighting their growth potential. High-profile placements lend credibility and set up startups’ potential, making them more attractive to investors. For instance, a well-publicized success story from a startup like Zolve, one of the top funding recipients, can drive further investor interest and strengthen its brand.
India’s funding surge spans sectors including Batterytech, Edtech, Gaming, Apparel, Aerospace, Manufacturing, Fintech, Energy, and Travel. While this presents opportunities, it also brings scrutiny. Startups must manage their reputations effectively, ensuring consistency in their messaging across media platforms. As a PR agency for startups, Spynn’s expertise in reputation management helps businesses navigate these challenges by maintaining a cohesive brand identity and reinforcing investor trust.
Establishing Credibility Through Media Placements
Research from Spynn also revealed that startups that get featured on Forbes, Business Insider, and other top-tier publications experience a 50% increase in inbound investor inquiries within six months. This shows the value of securing strategic media placements to reinforce credibility and market positioning.
Strong media coverage bolsters a startup’s credibility, reinforcing its market positioning and investor confidence. Spynn ensures startups secure coverage in authoritative outlets, helping them establish themselves as thought leaders. Beyond initial publicity, Spynn focuses on building long-term relationships with media, ensuring sustained visibility and brand consistency.
Spynn’s CEO, Matteo Ferretti, emphasizes the role of storytelling, “Effective PR is about coverage and creating narratives that resonate with audiences. Startups must highlight their unique value and demonstrate how they solve real-world problems.”
PR for Growth and Global Expansion
Spynn’s data indicates that startups leveraging international PR strategies are twice as likely to successfully attract foreign investors and expand into new markets. Media coverage tailored for global audiences enhances cross-border recognition and facilitates partnerships, making PR an essential tool for growth beyond domestic markets.
As Indian startups scale, a strong PR strategy facilitates global recognition. Spynn’s international media reach helps startups gain traction in new markets and attract foreign investors. This is especially crucial for sectors like Fintech and Edtech, where global expansion is key to success.
A well-executed PR strategy strengthens a startup’s digital footprint, ensuring a consistent and engaging presence across platforms. Matteo Ferretti highlights the importance of balance, “A successful PR approach integrates both digital and traditional media to maximize impact and audience engagement.“
Ethical Considerations and Future Trends
Transparency and ethical storytelling are vital in PR. Startups must ensure authenticity in their messaging to build lasting trust. Spynn upholds ethical PR practices that align with principles of sustainability and integrity.
Indian startups must adapt to evolving PR trends, including AI-driven outreach, digital media dominance, and deeper media relationships. As competition grows, startups that take advantage of PR will have a better standing for long-term success.
Spynn’s PR strategies equip Indian startups with the tools to navigate funding surges, enhance credibility, and drive growth. By securing impactful media coverage and managing reputation effectively, startups can strengthen investor confidence and expand their market presence. As India’s startup ecosystem evolves, PR remains an indispensable asset for sustained success.
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