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Nabeel Ahmad, 22-Year-Old Entrepreneur Achieving International Acclaim

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Contrary to popular belief, Entrepreneurship is not the product of multitasking. It’s the art of focusing on individual tasks at a time. Work at a task with focus, complete it, and then move on to the next. The most successful entrepreneurs are those who have it all under control and Nabeel Ahmad is one of the few who set the bar really high. The serial entrepreneur from Lahore has launched multiple companies and is a highly sought-after digital marketing expert and a TEDx speaker. His work has appeared in over 30 major international publications including Forbes, Entrepreneur Magazine, Yahoo News, and Business2Community. The 22 year old has laid the foundation for building a global business empire.

While he was in college, he learnt various social media marketing tactics that he would later implement in his businesses. Recognizing his passion for entrepreneurship, Nabeel dropped out of college to pursue it full time and he hasn’t looked back since. He started offering services to various businesses as an independent marketer and 5 years down the line he established a full-service digital media agency called Vertabyte. The agency works with various enterprise-level clients, identifying and crafting solutions that are best suited to their digital needs. The firm branches out to 3 classifications, covering design, development, and growth, each of which are delegated to separate departments. With a team of over 100 people working remotely from different parts of the world, Vertabyte drives business outcomes by providing solutions relating to website development, brand management, and marketing techniques.

Branching out his expertise, Nabeel founded The Hustler’s Digest, a media platform that provides rich content for business-minded people. Nabeel aims to build a network of media brands around different fortes such as health, technology, entertainment, etc. and then use these media brands to power marketing campaigns for his clients.

Amidst the surge of social media, Nabeel believes it is crucial for businesses to have a strong PR strategy and to acknowledge the power of media placements in building a powerful brand. Nabeel is the founder of Mogul Press, a public relations agency that operates with the purpose of strategically placing their clients on popular media outlets. He believes PR is one of the main pillars of a strong business and that strategic media placements can aid a business in gaining exposure, credibility, and the right positioning in the minds of the audience. It is essential for a business to appear credible to its customers and effective PR is the key to establishing brand credibility.

Having gained international recognition for his marketing expertise, Nabeel is the first and youngest Pakistani to become a columnist for both Forbes and Entrepreneur Magazine. Thrive Global calls him a “marketing genius”, and recently, Entrepreneur Magazine, one of the biggest business magazines in the world, listed him as one of the top inspiring entrepreneurs to watch in 2020. He was mentioned alongside many industry leaders, including Gary Vaynerchuk and Grant Cardone. 

Nabeel has achieved immense success so far and envisions accelerated growth for his businesses in the coming years. He has hinted at the launch of a new social discovery network that has been in the works for the past 2 years and according to him, it’s going to be a game changer. If there is one lesson that we can learn from his journey, it has to be that it’s never too early or too late to pursue your passions.

A piece of advice that Nabeel shares for aspiring entrepreneurs: “The right moment is just an illusion. It’s important to act right now.”

The idea of Bigtime Daily landed this engineer cum journalist from a multi-national company to the digital avenue. Matthew brought life to this idea and rendered all that was necessary to create an interactive and attractive platform for the readers. Apart from managing the platform, he also contributes his expertise in business niche.

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Business

Cobalt Advisors Complaints Already Starting For Debt Consolidation Loans

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Cobalt Partners: Can You Trust Them?

Cobalt Advisors and Credit 9 have joined Saxton Associates and Hornet Partners in flooding the market with debt consolidation and personal loan offers 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 Carina Advisors (also known as Corey Advisors, Pennon Partners, Jayhawk Advisors, Clay Advisors, Colony Associates, and Pine Advisors, etc.).

Consolidation loan occurs when someone decides to pay off several smaller loans with a single larger loan. You are lumping together all your payments into a single large payment. One of the benefits of the larger loan is a lower interest rate than smaller loans.

Moreover, the term on the larger loan is often longer which can lower the amount the person has to pay every month.

Most creditors offer consolidation as an easy solution for debt problems. While a consolidation loan can make it easier to control your debt because you only have a single payment to remember, it doesn’t address the main reasons why you got into the debt in the first place.

That being said, a consolidation debt is an efficient way to help you make short work of your debt and significantly improve your financial life. There are many kinds of consolidation loans for creditors to choose from. Make sure you select the right type of consideration loan for your particular financial situation.

Loan Consolidation for Students

Student loan consolidation is popular among students but it is important to have a college degree to qualify. The debtor can take all of their loans from previous years and consolidate them into a single loan. This will lock the interest rate to prevent it from rising over a long period of time. Moreover, student consolidation loans will stretch out over a longer time frame which will reduce the monthly payments, but it won’t save you from having to pay the interest.

Since you won’t be taking out any more student loans, this type of consolidation loan is a great option. Most people can only consolidate their federal loans, but this will make managing the loan much easier since they have to worry about a single payment every month.

If you want to learn more about the student consolidation loan, get in touch with the US Department of Education’s Direct Loan Program. These entities will help you consolidate the loan and lock in a fixed interest rate. You may even seek a payment forgiveness program. The consolidation must be done through the Direct Loan Program to qualify for repayment benefits.

Unsecured Consolidation Loans

Unsecured consolidation loans are unsecured loans that are offered by banks and credit unions. They are also known as signature loans. The interest rates on unsecured loans are lower than the credit card’s. Most people take out the loan for a certain period of time.

Despite its advantages, unsecured consolidation loans can offer a low-interest rate, but it may not be that great for many debtors. Moreover, it still doesn’t address the main reason why most people got into this problem in the first place: a spending problem.

Without addressing this issue first, you may ‘relapse’ and rack up more credit card refinancing vs debt consolidation, not to mention the fact that you still owe payments on the consolidation loan. If you decide to go this route, you should stop the use of your credit cards entirely.

You may have received unsecured consolidation loan offers in the mail. But it is searching in more credible sources to see if you can qualify for a better loan. Apply at your credit union ort local bank in addition to the offers in your mail. It is worth reading online reviews of the loan and the creditor offering the consolidation loan.

Home Equity Loan (aka Second Mortgage)

This type of consolidation is a home equity loan or a second mortgage. This gives people the option of borrowing against their property (or their home) and utilize this money to pay off their debts on credit cards that may have been accrued.

Because the loan is secured against the equity in the home, this option provides you with the lowest interest rates but also increases your risk of losing your property if you fail to make the payments on time. At the end of the day, most people end up going back into debt out of force of habit in just a few years’ time. Make sure to be weigh the pros and cons of this option before choosing it. 

If you are thinking about home equity loans, make sure to stop using your credit cards completely before you accrue further debt on them. It is worth your time to thoroughly research all the different banks and companies that offer home equity loans. As a general rule of thumb, you may qualify for lower interest rates if you go through your credit union or local bank. 

Is Consolidation Loan Going to Help Me Recover From Debt

While consolidation loan seems like a good option if you think about it, it is important to weigh all your options before signing up for it. As mentioned earlier in the article, most people are spendthrifts and end up back with crippling debt after having just paid their previous loan off. Using a consolidation loan requires discipline and access to a steady source of income.

This is a serious problem that can get even worse for you if you keep resorting to debt consolidation. In most cases, the best solution is to set up a personalized debt payment plan. This will help you identify your spending patterns and the complete breakdown of cash flow. A bird’s eye view of your finances will help you turn your finances around and get the best possible results.

If as a last resort, you do decide to go down the consolidation loan route, make sure to do your research into all the creditors near you. Whenever possible, look for ways to minimize the interest on your loan and secure the longest pay off time.  Your goal should be to lower the interest rate to help you quickly pay off the loan without a hitch. 

Finally, there are many budgeting apps that let you take full control of your budget. They provide insights into your spending and let you keep your money situation under control.

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