Categories
Finance

Govt Keeps Small Savings Rate Unchanged For 2nd Successive Quarter Of FY22!

Govt Keeps Small Savings Rate Unchanged For 2nd Successive Quarter Of FY22!
Govt Keeps Small Savings Rate Unchanged For 2nd Successive Quarter Of FY22!

To provide relief to common man from lower saving earnings amid the pandemic, the Central Government has kept small savings rate unchanged for the July-September quarter.

As the interest rates are falling all across financial instruments, the government has widely expected to cut rate on small savings too.

Previously, the Centre withdrew a decision to cut rates for previous April-June quarter too as they feared backlash from savers.

The decision on rate cut was withdrawn in the middle of voting for Assembly polls in West Bengal and Assam.

“The rate of interest on various small savings schemes for the second quarter of the financial year 2021-22 starting from July 1, 2021 and ending on September 30, 2021 shall remain unchanged from the current rates applicable for the first quarter (April 1 to June 30,2021) for FY 2021-22,” a finance ministry office memorandum issued late on Wednesday night said.

With the status quo, savers would continue to get 4 per cent interest on small savings during the July-September quarter as well. The 1-year time deposit rates will also remain at 5.5 per cent and so will the 5-year recurring deposit at 5.8 per cent.

Public Provident Fund (PPF) will also continue to get 7.1 per cent rate while Sukanya Samriddhi Yojana (SSY), National Savings Certificate will get interest rate of 7.6 and 6.8 per cent, respectively.

The interest rate on Kisan Vikas Patra was decreased to 6.9 per cent and the instrument will mature in 124 months.

Categories
Business motivation

5 Commitments Every Successful Entrepreneur Must Make For Business Excellence!

5 Commitments Every Successful Entrepreneur Must Make For Business Excellence!
5 Commitments Every Successful Entrepreneur Must Make For Business Excellence!

Whether you are a passionate and ambitious person for your job where you are deeply invested or planning to start a startup business, there are certain commitments and decisions that successful people have to make. Discipline and determination help to shape them into elite businessmen and –women.

According to Dr. Vivek Bindra- one of the best motivational coaches for entrepreneurs, “each day is a fresh opportunity for mastering the key skills to acquire goals. Success often comes down to having the right attitude and making smart decisions.

So, if you are trying to excel in the business world, here are five commitments you must make to acquire your goal:

1. Appreciate the Good

Most often we are too focused on the bad in our lives. However, it does no good but gives birth to negativity. No matter where you are in your career, find ways to appreciate the work you are doing. Jobs are not perfect and not every aspect of it, you will enjoy.

Make mental notes to focus on the solutions and not the problems. Allow no space in your mind for negative thoughts. When you think in terms of lack, you start making decisions from a negative place. Learn to respect your achievements, understanding that small things make room for bigger opportunities. You can also take help from the motivational coach for entrepreneurs to keep your spirits high.

2. Fear of Failures

“Success is the ability to go from failure to failure without losing your enthusiasm”, this quote by Winston Churchill elaborates the right approach towards your business goals. The road to success is full of failures, disappointments, and setbacks. If you give in to the fear of failure, it will discourage you from walking on the new path.

If you want to be successful, you will have to take a risk and be willing to witness the consequences of those decisions. Just like a good motivational coach, consequences can be your mentor and guide you with quick answers. If you will never take risks, you will never redirect yourself and your business in the right direction.

3. Work Hard for Dreams

It is essential to measure your success with your work ethic. If the pursuit of your success is solely based on money and profit, be aware that your mind will only be focused on the lack of it. Worry blocks opportunity and keeps reminding you of how much you don`t have.

Hence, always set up a mindset that your hard work will generate profit. Always focus on the goals and do not shy away from working hard for them.

4. Expand your Vision

Always be grateful for your achievements, but never be satisfied. Commit to thinking big by setting higher goals. Despite achieving great heights of success, know that you are not done. And it is just the first step.

Most often entrepreneurs become complacent as their businesses begin to generate revenue. However, this results in no innovative business strategies and they begin to lose their grip on the market. Always ask, “What is next?” How can I expand my business further? If you are struggling with certain business challenges, you can also take problem solving courses that are available online.

Never downsize your dreams. Change the path, not the dream!

5. Be Consistent

Consistency is the key to your entrepreneurial success. Commit to working with passion and determination, taking steps no matter how little towards your business goals. It is only through consistent and diligent work, coupled with flexibility and patience that you can achieve greater heights of success. If you feel like you are losing enthusiasm, you can always speak to the best motivational speaker in India– Dr. Vivek Bindra.

It’s the last person standing who ends up winning the race. The above-mentioned commitments can play a key role in your journey to establish a successful business startup. To be successful in business, commit to making self-aware and smart choices. Make one smart decision by joining our “Entrepreneurship course”.

Categories
News

To Kick Start Growth In The Country, Strong Fiscal Policy Support Needed: EY India!

To Kick Start Growth In The Country, Strong Fiscal Policy Support Needed: EY India!
To Kick Start Growth In The Country, Strong Fiscal Policy Support Needed: EY India!

To kick-start growth in post-COVID India, strong fiscal policy support in the form of stimulus measures is required, according to EY India.

The consultancy`s June edition of Economy Watch stated that the health sector should be the primary focus of the fiscal stimulus package. According to the firm`s June edition, “This could ensure meeting the short-term healthcare demand arising from COVID’s Second Wave and a possible Third Wave besides supporting growth and employment in the economy.”

As per the report, the package should solely focus on income support measures for the vulnerable rural and urban population. It should also focus on making provisions for additional vaccination expenditure as the Central Government`s recent announcement for its commitment to finance 75 percent of the country`s total vaccine procurement.

Besides, the policy should also take care of any additional expenditure, which is directed mainly towards expanding health sector infrastructure.

“Together, these add to Rs 2.35 lakh crore of which around Rs 0.65 lakh crore can be accessed by the restructuring of budgeted expenditure on other heads leaving a balance of Rs 1.7 lakh crore which would constitute an additionally 0.8 percent point of GDP on the budgeted fiscal deficit of 6.7 percent of estimated GDP,” the report said.

“Thus, the fiscal deficit would need to be increased to 7.9 percent of GDP in FY22 to cover the revenue shortfall of 0.4 percent points and the expenditure additionally of 0.8 percent points of GDP,” it added.

The report said that although growth is projected at 8.3 percent in 2021 for India, this masks significant expected economic damage from COVID’s Second Wave.

A few days earlier even the National Council of Applied Economic Research (NCAER) said it expects the Indian economy to grow 11.5% in the June quarter and the range of 8.4-10.1% in FY22 over a negative base, calling for an expansionary fiscal policy to put the economy on a sustainable growth path.

Categories
Business motivation

5 Top Reasons Why Small Business Owners Must Embrace Business Automation

5 Top Reasons Why Small Business Owners Must Embrace Business Automation
5 Top Reasons Why Small Business Owners Must Embrace Business Automation

Computers, Robots, Artificial Intelligence, and the internet: these are some of the first things that come to our mind when we talk about technology that most businesses are using in this modern era. Some of the most impressive recent advances in technology and process efficiency are rooted in automation.

Business automation is becoming more frequent because it is both less expensive and more accessible. Today, it is used for everything from sending out “automated” away messages when you are out on a vacation to building high-rise apartments and cars.

Automation in a startup business can save your company money and time. But one thing that we should keep in our minds is that even the most advanced software or technology will be far from perfect. Why? That is because the creation of technology involves coding which is done by humans. Hence, a scope for human error is always present.

But every business requires reliable and faster communication, and business processes to boost growth. So if you are still doing a lot of business processes manually, without any further delay here is a list of the most essential benefits that every business can certainly drive from business automation:

1. Communication which is Faster & Reliable

For businesses that operate not only across India, but also outside the country, a reliable mode of communication is necessary. If telephone lines are not working, alternatives must be readily available. Thanks to various instant messaging apps, many local business owners are now able to promote their business across various states in India.

Multiple modes of communication ensure that the business operations will not be disrupted. Fast internet connections have made it possible to transfer vital information regarding a business across vast distances in seconds. This enables telecommuting that not only gives access to high-quality talent in places but also reduces human resources cost.

2. Increased Efficiency & Productivity

Technology can help to enhance efficiency and productivity in multiple ways. There are many processes like maintaining accounts, billing, payroll, and asset management that can be automated by using business software that is available in the market. It will not only help to manage their operations but will do it more efficiently.

Also, technology can help many startup businesses to automate their repetitive tasks that do not require an elevated level of decision making. This can give more effective results and productivity.

3. Increased profit & Reduced Cost

Where business automation can increase efficiency and productivity from technology, it also results in decreased operating costs and an increase in profits, eventually. Advanced technology can also eliminate the unnecessary travel expenses for meetings and other supervisory work. Most of these activities can now carry out on live video chat and other collaboration platforms. This does not mean that one should remove the personal interactions and meetings, but it can help to reduce the need to be physically present in one location to work with other employees.

4. Enhanced Security

With the latest technology like blockchain, businesses can work to implement better ways to carry out financial business transactions more securely without compromising transparency and creating layers of security.

5. Greater Transparency & Interconnected Operations

Multiple business processes are complex and also involve countless types of transactions. But with advanced business software and technology, you can integrate these processes seamlessly. Also, when it comes to sharing and processing business data, you can automatically collect, process, and present everything in a readable format.

Technology is omnipresent. But many businesses resist embracing technology and those who refuse to do so may be bound for failure. But to ensure business growth is it essential to be well acquainted with the pros and cons that come along the way.

If you have a business idea and want to build your startup around it, you can take our ‘Entrepreneurship course’.

Categories
Finance

FM Rolls Out Loan Guarantee Scheme To Revive The Worst-hit Travel & Tourism Sector

FM Rolls Out Loan Guarantee Scheme To Revive The Worst-hit Travel & Tourism Sector
FM Rolls Out Loan Guarantee Scheme To Revive The Worst-hit Travel & Tourism Sector

Due to the Covid-19 induced pandemic, the tourism sector across the globe has been affected badly. Not only it has been downhill since 2020 due to imposed guidelines and travel restrictions, but it is still on its knees trying to find its balance.

The Finance Minister of India Nirmala Sitharaman, on Monday, announced a new 100% guaranteed loan scheme that will be provided to registered tourist guides and other travel and tourism stakeholders who are facing a financial crisis.

Tourist guides who are registered at the regional or state level and are licensed can get loans up to INR 1 Lakh with a guarantee. A total of 10,700 regional level tourist guides are recognized by the Minister of Tourism and state governments would benefit from the scheme.

Loans with an upper limit of INR 10 Lakh would be available with a 100% guarantee to travel and tourism stakeholders such as travel agencies. Around 904 stakeholders are recognized by the Ministry of Tourism who are eligible for this loan guarantee scheme.

The Finance Minister said that under the new loan guarantee scheme for Covid affected sectors, working capital or personal loans will be provided to people in the tourism sector to discharge liabilities and restart businesses impacted due to Covid-19.

Categories
Motivational

Four Powerful & Practical Ways To Stay Motivated As A Solopreneur!

Four Powerful & Practical Ways To Stay Motivated As A Solopreneur
Four Powerful & Practical Ways To Stay Motivated As A Solopreneur

Nothing can beat the feeling of being your boss. It has a charm, an unexplainable excitement, and an incredible allure. And the term ‘Solopreneur’ is a perfect blend of all these emotions. Though the term is not new in the industry, where some people are not very well aware of this term, many others confuse it with entrepreneurs.

However, being a solopreneur is a lot different from becoming an entrepreneur. Many people choose to work for their business ideas, dreams, passion, and to find fulfillment. But, it can also be lonely when you have to don multiple hats and juggle between various business challenges, all alone.

Being your boss has its perks, but running a business all by yourself requires a lot of discipline, focus, and resilience because, on this journey, you are bound to encounter stumbling blocks along the way.

So, apart from taking some of the most essential business training programs to stay updated, here are some powerful tips to help you stay motivated to weather ups and downs in the business:

  1. Pace yourself!

That`s because good things and successful business take time to build up. Growing a business is a marathon, not a sprint. Being a solopreneur can rapidly become a 24×7 job if you are not careful. Especially during the early stages of a business, solopreneurs put in very long hours with no end in sight. And then it is just a matter of time when you become tired, exhausted, and discouraged.

Hence, finding a work-life balance is extremely important to keep working for the dream you have in your eyes and the passion in your heart.

  1. Always have Support System

Flying solo may sound amazing, but it requires a lot of a strong support system. Friends and families are irreplaceable, but there are many other resources like a business mentor or a motivational coach.

A business coach or a mentor can offer their expertise and professional advice to guide a solopreneur in the right direction. Dr. Vivek Bindra, who is one of the best business motivational coaches in India provides consultation for long-term business growth and development. His mentoring technique is more short-term and performance-driven.

The use of business coaches has become prevalent in India and small business owners are increasingly using paid coaches for overcoming challenges. Hence, finding a support system for solopreneurs can be beneficial for their business.

  1. Celebrate Small Wins

The more you praise and celebrate your small wins in life; the life will give you more reasons to celebrate. As a solopreneur, it is crucial to celebrate small milestones along the way to keep your drive to run business and the motivation to do it, super high.

The key is not just to keep your eyes on your main goal, but also to enjoy the progress you are making. The better you feel about yourself and your progress, the more effort you will put in without feeling frustrated and discouraged.

  1. Always Remember ‘WHY’

As a solopreneur, you will encounter your share of challenges and setbacks along the way. This is why it is so important for you to remember your “why”. Remembering the sole reason why you have started to come this far or why did you start your business in the first place will energize you. Getting in touch with this big-picture will help you to remain focused. It will also provide you with a renewed perspective to make wise decisions.

Just because you start small, don`t forget to think big! Where being a solopreneur is not always easy, but it is probably rewarding, perhaps every single time. By following the above-mentioned tips, you will be in a better position to remain energized, so that you can ultimately reach your long-term goals.

Find solutions for your burning problems? Get practical solutions easily with our step-by-step Problem Solving Courses with learning strategies, action plans, frameworks that are designed to empower you with various business functions.

From finance to HR, Digital Marketing to IT & Sales, find creative solutions to prominent business problems easily. To know more about it,

click here: https://www.badabusiness.com/psc?ref_code=ArticlesLeads.

Categories
MSME

SIDBI Joins Hands With Global Alliance For Mass Entrepreneurship To Help MSMEs Revive

SIDBI Joins Hands With Global Alliance For Mass Entrepreneurship To Help MSMEs Revive
SIDBI Joins Hands With Global Alliance For Mass Entrepreneurship

The Small Industries Development Bank of India (SIDBI) and the Global Alliance for Mass Entrepreneurship (GAME) have entered into an MoU to help the MSMEs overcome their challenges that were elevated during the pandemic, along with the longstanding capacity gaps in the sector.

The MoU covers vast themes that include expanding credit access, building competitive clusters, increasing formalization, and improving the legal framework for ease of doing business.

Both the organizations also committed that 25 percent of the beneficiaries from the partnership would be women entrepreneurs.

The partnership will also focus on areas that include scaling up Udyam Registration as a unique ID for an MSME to access schemes across the entire MSME universe, leveraging SIDBI`s financial schemes to further formalize enterprises, among others.

According to GAME Co-founder Mekin Maheshwari, “This long-standing experience combined with the force of GAME`s 80+diverse partner alliance should ease the access to credit and a range of new support services for MSMEs at large scale.”

“We hope the power of the Alliance can be leveraged for nation-building efforts such as formalizing MSMEs and substantially improving access to credit & non-financial services,” said SIDBI Chairman and Managing Director, Sivasubramanian Raman.

Categories
Business motivation

How To Overcome 3 Challenges That Every Solopreneur Faces During Business Journey!

How To Overcome 3 Challenges That Every Solopreneur Faces During Business Journey!
How To Overcome 3 Challenges That Every Solopreneur Faces During Business Journey!

Whether you are a solopreneur or an entrepreneur, when you start your venture, a lot is riding on your shoulders. You are like a one-man army who has to do multiple tasks on your own. You are a staff of your own, which is why you have to don a hat with multiple feathers.

From setting up working hours, how much revenue you generate to how many clients you have is completely up to you. You are your boss. You set your own rules and reap the rewards.

But these rewards are received only after putting in the time and effort to set your business up for success. Creating a full-time long-term business involves more than just getting good clients from time to time. Becoming a successful solopreneur requires proper planning, follow-through, constant learning, amazing business ideas, and having reliable partners.

So if you have started a step to venture out on your own, here are few challenges that solopreneurs often face and few helpful suggestions for how you must overcome them:

  1. Learn to Market Yourself

As a solopreneur, your business is based on the foundation of your skills. The skills you must have honed for many years. Maybe you have worked in that industry for another company, and now you have finally decided to build your startup with your reliable connections.

But, when it comes to time to scale your business, you will need new clients and connections. When you want to boost more revenue, you will have to find more customers. Hence, like other businesses, solopreneurs too should keep learning new skills through business training programs.

For instance, if you are from a more technical background, you can learn more about digital marketing by taking online business courses. After gaining information about brands and services being online, your business can benefit from the exposure of having a website.

You can also learn about Search Engine Optimization (SEO) with which you can keep your website up-to-date, giving you the exposure your business needs to grow.

  1. Always be Prepared for Unforeseen Circumstances

Imagine you are a brilliant graphic designer, but suddenly your clients do not want your services anymore. What happens in that scenario?

The future is uncertain, and no matter your profession, unforeseen circumstances happen all the time. While you are working day and night on establishing your brand and growing your business, the last thing you need is to experience a financial blow due to decreased revenue. Hence, it is essential to understand how to break through such business challenges by taking business training programs.

Having financial safety is also important. Hence, set a schedule that is comfortable for you- weekly, monthly, or whenever you find it feasible to put aside a portion of your profits. Though it will take time, your goal to save a certain amount of money, by the end of the year will be fulfilled.

  1. Protecting your health too!

When we purchase a car or a shop, we tend to insure it. As a solopreneur, your most valuable asset is yourself. Your skills are the face and the foundation of your brand. So, if anything unexpected should happen to you, your business would likely suffer as well. Hence, as a solopreneur, you must get a cost-effective plan that will cover your requirement without having to pay for services you won`t use.  

Starting a startup from the scratch is not an easy task. Once started, it takes years of hard work to establish your business as a brand in the market. Hence, to stay ahead in the competition, every business owner needs to stay updated with new technologies and trends in the market.

If you are facing challenges in business, you can join our problem-solving course that will not only resolve management issues that crop up with teams; but also improve your vision to implement without depending on others.

You can also find tools meant for rising stars just like yourself – apps and services that let you manage many aspects of your business with the minimum investment of time and money, leaving you free to focus on the larger picture.

For more information, visit https://www.badabusiness.com/psc?ref_code=ArticlesLeads

Categories
Business motivation News

Amazon India Announces Small Business Days 2021 To Help Small Sellers To Bounce Back!

Amazon India Announces Small Business Days 2021 To Help Small Sellers To Bounce Back
Amazon India Announces Small Business Days 2021 To Help Small Sellers

In a bid to aid small sellers to bounce back from the financial losses that were induced by the pandemic second wave of COVID-19, Amazon India announced that the company host Amazon Small Business Days (SBD) that will begin from midnight on July 2, 2021, until 11:59 pm on July 4, 2021.

“As India tries to get back on track post the impact of the COVID-19 second wave, we are prioritizing our efforts to help small businesses bounce back from the economic disruption. Towards this, we are hosting Amazon Small Business Days, to help generate customer demand for offerings from small sellers on the Amazon India marketplace thus helping them to get their business back on track,” said Pranav Bhasin, Director, MSME & Selling Partner Experience, Amazon India.

During the three-day sale event, customers will have the opportunity to discover and purchase as well as enjoy deals and offer on products across categories including monsoon essentials, immunity boosters, regional handicrafts, at-home fitness supplies, etc. among many more from the special themed stores on the marketplace.

Whether customers are looking to purchase Work from Home essentials, comfort food or heritage handloom weaves straight from regional weavers, Small Business Days will have the widest selection on offer for everyone. Customers can save more with a cashback offer of up to 10% powered by A-pay and on other forms of digital payments for purchases made from participating small businesses.

Nitin Gadkari, Union Minister of Road Transport and Highways; Micro, Small and Medium Enterprises, Government of India, said, “MSMEs are the backbone of our economy, contributing to nearly 30% of the country’s GDP and half of its exports. Around 6 crore MSME units across the country employ over 11 crore persons.”

“MSMEs contribute significantly to the socio-economic growth of the country by fostering entrepreneurship and generating large employment opportunities. I believe that technology will play a key role in the success of MSMEs, and in increasing the contribution of MSMEs’ share to the country’s GDP. It is important to accelerate the growth of MSMEs especially after the disruptions caused by COVID-19 and I congratulate Amazon for hosting Small Business Day to help generate customer demand for their products and revive livelihoods of lakhs of MSMEs in the country”, he added.

“Customers will be able to discover thousands of unique products from local shops, women entrepreneurs, start-ups, emerging brands, artisans, and weavers, at a great value, making their shopping experience enjoyable,” added Pranav Bhasin.

Small Business Days 2021 is a sale event part of Amazon India’s efforts to minimize the impact of the COVID-19 pandemic on sellers. Over the past few months, with the onset of the second wave of the pandemic in India, Amazon has taken a host of measures to help sellers including a variety of fee waivers, relaxation of policies on reimbursements and performance metrics, and more.

Amazon is also providing vaccination support to its sellers and their dependents. In addition, Amazon has also enabled an ‘on-demand disbursement’ feature that enables sellers to get their disbursements daily to help sellers navigate the economic challenges during these challenging times.

Categories
Business Courses

5 Reasons Why Entrepreneurs Must Pursue Online Business Courses!

5 Reasons Why Entrepreneurs Must Pursue Online Business Courses!
5 Reasons Why Entrepreneurs Must Pursue Online Business Courses!

Stay hungry, Stay Foolish- these were the golden words from Steve Jobs that pretty much elaborate why every aspiring, upcoming, struggling or successful entrepreneur needs to keep learning.

Most often people believe that once they have acquired success or have hit their major goal, they do not have to explore the world of knowledge, any further. Ask any successful millionaire or billionaire and they will all tell you the same thing- keep learning.

If you want to be a rock star of the business world, you will have to stay updated as there are loads of entrepreneurship courses that are perfect to enhance your leadership skills. Reaching a milestone once is not enough. That is just the beginning of where the hard work has just begun. And, there is so much more to learn.

According to research on ultra-successful business, people read around 60 books every year. That is more than one book, per week. If you do not like reading fiction, you can go for non-fiction books or online business courses for entrepreneurs.

A lot of times even the students who are passed out of A-listed management institutions are not updated with the latest trend and technology in the market. This is why continuous learning is a must for every entrepreneur as it will form a critical part of your success in professional as well as personal life.

  1. Online Business Courses offer Choices

Education on the internet has transformed completely, and mostly for the better. The education that one receives online is nothing like the university or a college class where a professor comes to deliver a long and boring lecture on a subject you have no plans to pursue soon.

Things have changed big time! Today, an online course is similar to a real-life learning experience. Sometimes, it is better than the latter because it gives ample opportunities to entrepreneurs to excel in various fields of business. Where university education just helps you to get a degree, online courses prepare you for the real world.

  1. Less Expensive

A commitment to lifelong learning should be on every entrepreneur`s mind. However, it going back to the university to gain in-depth knowledge about various aspects of business is neither available nor feasible.

So whether it’s a regular entrepreneurship course or problem-solving courses for a particular business challenge, an online business course can be your best bet as it is very affordable. For a fraction of the cost, you can receive university-level learning lessons and experience straight from an industry expert. All you have to figure out what kind of course and in which subject you would like to pursue your education.

  1. Result Oriented

We know giving your money away to someone whom you have never met can be intimidating for some. However, very few people understand that this is the major reason behind the motivation of online educators. Why? Their reputation is at stake, and that is the reason why they help you to get the results you desire instead of just teaching dry theory.

  1. Flexibility to attend from anywhere, anytime

As far as traditional methods of learning are concerned, every student used to get evaluated based on 45-minute lectures per week. But, with online business courses for entrepreneurs, one can access the lecture and classes anywhere, anytime. Whether you are traveling in the metro for work or feeling curious to learn something new about a business crisis you have been experiencing, online lectures make learning smooth and hassle-free.

  1. You can Keep the Course

Perhaps, this is the best part about attending an entrepreneurship course that instead of purchasing heft-priced textbooks and making tons of notes, many online courses let you keep a lot of course material.

Not only that, but you are also provided with worksheets to track your progress, discussion forums, and interactive presentation at your fingertips.

Learning should never stop! Keeping your knowledge reservoir always updated and upgraded will help you to stay ahead of competitors. So if you have not considered taking an online business course, you should not delay it any further.

Do your research, and find the best business coach in India that has solid credentials and trustworthy testimonials. Do not just sign up for any courses, as there are many swindlers out there. You can also take our Problem Solving Courses if you are looking for a breakthrough into your startup.