Business

Clay Advisors Reviews Claims To Help Those With Poor Money Habits

Published

5 years ago

January 27, 2020

Woman stabbed, killed after rolling down car window to give money

A Clay Advisors Review by personal loan review website, Best 2020 Reviews, shows the possible negative and positive outcomes by doing business with Personal Loans companies you don’t know very well. Companies like Clay Advisors have been flooding the market with Personal Loans offers claiming to be able to assist those with poor money habits. But can they really do it?

Sometimes, consumers end up making mistakes that haunt them for a very long time. This is due to a number of poor money habits that can drown us into a debt trap. However, there are a few habits we can avoid to keep financial distress at bay.

1. Paying Automatic Bills

If you can setup automatic bill payments, it saves you from late payment surcharge. However, at times, you don’t have any idea about how much money you have in your account. As a result, you face overdraft charges or penalties in response to returned payments.

Experts believe that setting up an automatic payment schedule is a bad idea. By relying on such a schedule, you often fail to check if you have any money left in your account to pay the bills.

Rather than configuring automatic payments, one of the wiser money habits is to set up alerts through which you can pay these bills on time.

2. Failing to Create an Emergency Fund

Unforeseen expenses are always around the corner. You may lose your job in a sudden turn of events or your car might break down unexpectedly during a trip. Without an emergency fund, you have nowhere to go. It offers you much-needed assistance when the going gets tough.

If you and your partner both work jobs, try to save enough money in your account so that you can so that you can survive for three months without a job. Save for six months if you are the sole earner in your home. Even if you find it hard to save, try to accumulate enough money to pay for groceries or repairs.

3. Struggling with Budgeting

Failing to make a budget is one of those money habits that can lead you into a financial crisis. Budgeting allows you to pay off a debt or reduce it to a significant extent. In this way, you can save money for emergency. Other than keeping you safe in times of need, budgeting provides you with an effective roadmap that allows you to address your financial objectives. By setting a spending target and sticking to it, you can budget better.

4. Deciding Against a Retirement Strategy

Surviving without funds in old age can be harder than you imagine. Young people often decide against retirement savings because they believe that it is too “far away.” However, what they don’t realize is that this extended period can generate them excellent compound interest on their retirement plans.

Some people incorrectly assume that they will not need a lot of money in their retirement. This is an incorrect assessment because the cost of living always rises with time. Moreover, retirement is a phase during which people will want to pursue their passion and hobbies like traveling. Hence, they are going to need money. To save up for your retirement, you can either go for a 401(k) plan or open an individual account.

5. Not Getting Insurance

What will you do if an untimely disaster damages your personal possessions and you don’t have car insurance?

Insurance is something where you need to strike a balance and ensure that you are neither investing too much nor spending too little. Ideally, you should cover your primary assets, especially your health. In this way, you can stop a natural disaster form taking the form of a personal financial disaster. Apart from health, get insurance for your vehicle and property where the coverage is enough to pay for catastrophic care in the event of illness or accident.

Business

Spynn’s PR Playbook for Startups Turning Funding into Market Leadership

Published

1 week ago

March 27, 2025

Matthew Wiles

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.