
<img src="/locals/local15.png" alt="local news" />

Many things are scarier for businesses than knowing their account or online store has been [hacked](https://www.curvearro.com/blog/are-you-aware-of-ethical-hacking/). This can create massive problems like data breach or even business closure. Hackers have a clear favorite while targeting accounts or online stores and employ various techniques to implement it. Businesses can take precautions to boost security and protect their vital data, including customers information. Facebook accounts are most targeted [worldwide](https://www.csoonline.com/article/3617849/15-signs-youve-been-hacked-and-how-to-fight-back.html), even your online store can be compromised, generally hackers can use your credentials to purchase high ticket items.

Specially for small businesses account compromise can cause many inconveniences. It can cause significant delay, sometimes loss of account and most of the small business owners don’t even know their account or online store has been [hacked](https://www.chubb.com/us-en/individuals-families/resources/6-ways-to-protect-yourself-from-hackers.html). On compromised accounts business may suffer loss or hamper business productivity. In some cases, the account or online store gets permanently blocked or suspended then it can be painful for small business owners, as again it will take immense time and effort to rebuild and gather followers or potential customers. Also businesses can suffer monetary loss.

Small business owners need to take precautionary steps so that they can [protect](https://www.aura.com/learn/how-do-hackers-get-into-your-computer) their accounts and online stores. By using strong passwords, using password managers, using VPN, by updating their system frequently, train yourself & employees about cybersecurity, change password after every 35 days and by monitoring any suspicious activities.


Are you aware of hacking?


<img src="/locals/local14.png" alt="local news" />

For small businesses creating a [budget](https://www.zoho.com/books/guides/how-to-create-a-realistic-business-budget.html) can be helpful in managing regular finances. Frequently check the budget to determine if that makes sense compared to your business and revise accordingly. There is no surprise that to start a business we need a chuck of money. So as a small business owner it's important to maintain a good budget to keep finances under control. Here’s how to budget for your small business:

**Expense estimation -** Often we can’t predict when something goes out of our budget. So it's really important for small business owners to overestimate your budget. Otherwise failing to anticipate can be disastrous for the organisation. Generally speaking every project seems to have some costs that weren't anticipated. So always budget slightly above your anticipated costs.

**Sales Cycle -** There can be periods of busy and slow seasons. So it's important for a small business owner to account expenses during the slow seasons. You can accelerate marketing efforts during the slow season, just need to find creativity to promote and reach your potential customers. If small business owners know their slow seasons then they can have extra money in banks or best is to keep [expenses](https://www.ownr.co/blog/business-budget/) down even more than regular seasons. That will create some extra money in your hands if money coming in doesn't stay smooth.

**Time is valuable and also time is money -** It's very important for business owners to remember that time is valuable, and forgetting to incorporate time in planning a [budget](https://www.nerdwallet.com/article/small-business/how-to-create-a-business-budget) can be a loss of money. Always treat time as money and set deadlines for any external plans or projects for business.

**Employees -** Business owners also should also involve employees in diversifying the pressure. A proper budget is important as there can be too many variables on one shoulder. A good budget with proper explanation among the team, based on the skills so that it can be effectively implemented. Also the team should be [aware](https://www.shopify.com/ca/blog/budgeting-for-small-business) of the short-term and long-term financial goals. As you need to keep your team working towards the same goal.

**Risks -** Every business involves risks. So it's important for small business owners to analyze and identify the short-term and long-term risks associated with their business. So that they can plan for their finances. If you are able to understand the upcoming risks then you can plan accordingly for your business. It's better to note the sure income and expenses for your business to understand your risks. It's all about how much liquid assets you are holding, as it will determine your planning towards company expansion.

**Check your budget regularly -** Small business owners need to remember that their budget will not remain constant, as you have to adjust according to that. So it's important to stay on top of your budget. If we revisit our budget regularly then we can analyze the changes required and it can give a clearer picture about our finances.

Overall creating a budget for your small business can be very helpful for the future of the business. As it gives you the outline of the finances and also helps in planning for business growth.


Budgeting your small business


## So Many Ways To Save, check it out at Prime Cell Repair & Accessories

<img src="/locals/local5.png" alt="local news" />

We should check our Vancouver local clothing stores. Its right next door to us, we should check whether it’s the quality, style, sizes, designs, which stopping us from visiting ! Some can be available but while most of them we have visit in-person.

There are Vancouver clothing stores that features unique artwork and also clothing made of sustainable fabrics. Keep environmental awareness in their product and marketing serving their customers. Just think every part of your clothing belongs to nature, you are purchasing and helping nature to sustain. Just amazing.

We don’t even know there are so many small businesses in Vancouver offering environmental friendly clothing with awesome design, style and quality.

Let’s support these small businesses in our locality to grow.


Businesses in Our Locality offering us so much


While during our ongoing camping we can accross a big issue that is [“hacking”](https://info.connectwise.com/cybersecurity/cybersecurity/demo/sem/cybersecurity-demo?mcid=PPC1597&loc=na&_bt=559247570058&_bk=cybersecurity%20protection&_bm=p&_bn=g&_bg=125463339495&utm_term=cybersecurity%20protection&utm_campaign=PPC1597&utm_source=google&utm_medium=ppc&utm_content=demo&cq_cmp=13977404580&cq_plac=&cq_net=g&&utm_term=cybersecurity%20protection&utm_campaign=&utm_source=adwords&utm_medium=ppc&hsa_acc=9203101683&hsa_cam=13977404580&hsa_grp=125463339495&hsa_ad=559247570058&hsa_src=g&hsa_tgt=kwd-445942129676&hsa_kw=cybersecurity%20protection&hsa_mt=p&hsa_net=adwords&hsa_ver=3&gad=1&gclid=Cj0KCQjwi46iBhDyARIsAE3nVrZCpYfIXi7UpnyMV2QwgX5OLyXluE_5xEbLL3XR8NyPexhaNm32hR4aApqBEALw_wcB&gclsrc=aw.ds) This ia also a big problem for small businesses. On descussion we can to know few of them had their online store hacked, some had their instagram store hacked, some had their fb account hacked and it continues. Lot of them are facing the problem of Shopify stores getting hacked.

We suggested to use strong [passwords](https://chamber.ca/canadian-small-business-cyber-security-survival-guide/), to use password managers, to use VPN, also to update their system frequently, train themselves & their employees about cybersecurity, change password after every 35 days and by monitoring any suspicious activities.

We will run more campaigns on cyber security, to create [awareness](https://www.intel.ca/content/www/ca/en/business/small-business/resources/small-business-cyber-security.html) among small business owners. . Let’s support them. We invite everyone to join us.

Also small business owners share about your [business](https://www.fcc.gov/communications-business-opportunities/cybersecurity-small-businesses), your thoughts, your business offers, your business promotions, about upcoming new products, your emotions, your feelings on CARIGAAR LOCAL. Please feel free to reach Raj, our news reporter-cum-editor. Reach him at support@carigaar.com.

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  width="560"
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  src="https://www.youtube.com/embed/0ozLQ3k5qT4"
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  allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share"
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Carigaar Episode# 10 - About cyber security


<img src="/locals/local9.png" alt="local news" />

If you have any questions, regarding buying or selling of a [property](https://www.instagram.com/exprealty_/); then contact +17782221892

Especially if you are a 1st time [home](https://www.instagram.com/homeswithvikul/) buyer, then probably Vikul Garg’s tips might help you get your dream home.

Reach out 📲 +1 (778) 222 1892

You can also email - vikul@homeswithvikul.com

In this prolonged high interest rate [environment](https://globalnews.ca/news/9532881/home-school-first-time-buyer-canada/) with low inventory, is just a very good time for home sellers to enter the [market](https://www.zoocasa.com/blog/spring-market-housing-predictions-2023/). Feel free to contact the eXpert Vikul Garg Realtor for a free home evaluation.

Big news for everyone, if anyone can refer a client to **Vikul Garg Realtor** and if that referred client buys or sells a property then you can **earn a referral fee of $1000.**


Looking to buy or sell your property


<img src="/locals/local16.png" alt="local news" />

With years, now celebrity marketing is a growing [trend](https://toccarakarizma.com/blog/how-to-get-your-products-into-celebrity-hands/). There are many celebrities who have access to the niche market that you are targeting. It can help you gain brand exposure. Also probably a boost in sales. Who knows, what else ?

Endorsing your product through a [celebrity](https://www.forbes.com/sites/emmajohnson/2017/09/25/how-get-product-to-celebrity/?sh=53ba40656a3e) can be effective, as it can create a sense of desirability and trust. On various marketing research it's been seen, endorsing by a celebrity can increase sales by approx 4 percent. It's simple if a celebrity can be seen with your product then it can create a huge impact on consumers and increase awareness of your brand.

But the big question, can a small business bear the cost of endorsing a product by a [celebrity](https://www.cnbc.com/2012/03/05/how-to-get-your-product-in-the-hands-of-celebrities.html) ? How can you hand your product to a celebrity influencer? It's very important to figure out, as it's not easy, if you just send a product to a celebrity, then [probably](https://blog.hollywoodbranded.com/celebrity-endorsements-safeguarding-your-brands-reputation-against-misdeeds) the product will end up in their home. And the budget. As many times you have to give a free product or service, the question remains, how many times of free service or free product can you bear ?

Also too big a celebrity for a small business can overshadow the product in front of his/her popularity. It can be hugely [expensive](https://burkhartmarketing.com/pros-and-cons-of-having-a-brand-spokesperson/) for small businesses.

So thinking about using celebrities for endorsement? Not a bad idea. But you have to think twice - it can be tricky.


Getting your product in to hands of celebrity


<img src="/locals/local8.png" alt="local news" />
Small business owners make your product or services reachable to your local community.
Grow locally with Local. Our news page will help business owners to promote products/services,
offers and promotions. Local will be a complete news page only for small business
owners. Through Local we want to bring all “Mom & Pop” shops and all other kinds
of small businesses mainstream. As small businesses need a platform to shoutout,
where they can present their products and services with no bar. Yes social media
like facebook, instagram, tiktok, etc provides them to post, but with restrictions,
as there are lots of community guidelines to follow. At the end you won’t be able
to express your true business news, possibility of either blocking your news or your
profile. But in Local, business owners can express their thoughts, emotions and feelings
without any restrictions.{" "}

Small business owners start posting about your business, your thoughts, your business offers, your business promotions, about upcoming new products, your emotions, your feelings on LOCAL. Please feel free to reach Raj, our news reporter-cum-editor. Reach him at support@carigaar.com or call us at 250-682-3667.


Make Your business grow locally with Carigaar Local


Growing a [small business](https://financialpost.com/category/entrepreneur/small-business/) can help the local community to receive more investments. We always need to remember small businesses are the at forefront of any innovations, as per research they produce more patents per employees than big companies. This new products and services bring transformation in our quality of life. Only our support can help them grow. Also the real owner has direct contact with customers, understanding their needs and difficulties. Solving problems at real time. Benefits the local economy, like every hundred dollars spent in small businesses, sixty-eight dollars goes back to local economy.

[Prime Cell Repairs & Accessories](https://primecellrepair.com/) deals with all kinds of phones, accessories, and repairs. The owner Mohammad Firdous, is a very experienced man in device repair, with huge knowledge in phones and accessories. If you talk with him, can get the best of the advice for your device. Also if you want to repair your phone or computers then before visiting any where talk with Mohammad (owner) of Prime Cell Repair & Accessories, I can guarantee you will get the best of advice. Very trustworthy, efficient & punctual in dealings.

Prime Cell Repairs and Accessories has wide range of phone collections. Even if you are looking for a cheap phone, that also available. If you walk-in or talk with the owner (Mohammad), then will not walk out empty handed, you will 100% have a deal. Also, in repairing you can get the best quote in entire Vancouver, the most reliable mobile repair shop in the city. Plus, they offer a price match guarantee, lifetime warranty, and quick turnaround time with premium quality parts. Visit Prime Cell Repairs & Accessories today and see for yourself why they are the best!

They are located at **_ International Village Mall, 88 W Pender Street Unit – 1191, Vancouver BC _**

If you need any information, then can contact them at phone# (604) 835-6345 or email: primecellrepairs@gmail.com.

Follow **_ Prime Cell Repair & Accessories _** at Instagram - @prime_cell2023

<img src="/locals/local4.png" alt="local news" />


Small business-like Prime Cell Repair & Accessories always delivers the real best


<img src="/locals/local10.png" alt="local news" />

Even though the small business exists for years then also finding the most effective [marketing](https://www.forbes.com/sites/kimberlywhitler/2014/07/17/why-word-of-mouth-marketing-is-the-most-important-social-media/?sh=14a10e2054a8) strategies are very critical. Because small businesses don’t have the same resources as big businesses. As a result a non marketing expert person may be doing the marketing for small businesses.

The main focus for small business [owners](https://hbr.org/2021/03/10-truths-about-marketing-after-the-pandemic) should be how to bring customers. And most of the small business owners may rely of orthodox marketing such as paper ads, flyers mailing or even outdoor advertising. As they believe they have good products so with time they will win customers' minds. But it's time to think about how to reach potential customers and promote products.

Small business owners now have technology to promote and grow their businesses. They just need to decide which platform or app to use. And [promote](https://www.mckinsey.com/capabilities/growth-marketing-and-sales/our-insights/the-value-of-getting-personalization-right-or-wrong-is-multiplying) their business to global scale and use targeting to attract more customers.


Marketing Power Never Before


<img src="/locals/local17.png" alt="local news" />

Starting a business is always a dream for many entrepreneurs. But finding the right idea is a difficult task and can be challenging. Most important to look for an idea which can be affordable, also selling online goods or services can be a good idea. The basic thing is to unite your strength, skills and interest, that only can make a venture successful. We will share a few business ideas that can be [effective](https://www.cibc.com/en/business/join.html?utrc=S201:53&gad=1&gclid=CjwKCAjwl6OiBhA2EiwAuUwWZVgKKq7ihJvFixMB72zOFUWDM7NBcv52nIt3e7jPjskxx6XcohHamBoCFcMQAvD_BwE&gclsrc=aw.ds) in our modern tech society.

You can be a SEO expert or Social media expert. If you know the ins and outs of the search engines, google ads, google analytics then you can become an SEO expert. Helping many small business owners in educating them about the power of [SEO](https://www.forbes.com/sites/seanstonefield/2011/06/09/twenty-businesses-you-can-start-tomorrow/?sh=214bed2259ca). Also to help and transform their websites and increase conversion rates. Also if you can be a social media expert helping small businesses to manage, handle, post and prepare contents for them. As their follower count grows, so will your business.

Online retailing can also be a great business. You can display unique products that are hard to find in the market. This will help to differentiate your business from others and will increase demand in the market. It's very simple to launch an online business, you just need a web platform with integration of cart, payment gateway and delivery service. Entire cost of developing will be not more than $1000.

If you have knowledge about digitisation then you can become a website developer and designer. Also if you know HTML, CSS and Java Script it will make things easier and better. By displaying your work, you can find and attract more potential [customers](https://www.allbusiness.com/11-things-do-today-grow-your-business-tomorrow-107941-1.html). With your technical skills, you can help small businesses, who want to increase their online presence.

If you are a writer and have interesting information to share then blogging can be a good idea. It's very simple to start. Just need to create a website, you can do it from Weebly or Wordpress. But to gain followers you need to do continual writing and produce good content with value. Once your writing is consistent, you can easily [start](https://www.quora.com/Does-anyone-want-to-start-a-business-tomorrow) making money through your blog by selling products like online courses, studying online, online books, webinars, etc. Also you can sell ad space or sponsored posts. This might take time but with the right effort you can monetize.

You can also start handmade products selling online, with the help of Shopify or Etsy. As handmade crafts work are always in high [demand](https://www.plugandplaytechcenter.com/resources/startup-business-ideas/). If you can sell unique quality products then surely you can increase sales. Starting cost can be very low. You can buy products in bulk from craftsmen. If you can make your own product more profit for sure.

You can become a technical freelancer. Like developing applications, then providing remote technical support. But you have to be an expert in [technical](https://wanderingaimfully.com/start-a-business/) skills. You can use job boards like Fiverr, Upwork, etc. to promote and source your technical works. To start you need zero cost, right from your bedroom you can begin.

Here are a few business ideas that can be started almost with low to zero investments. But it's always important to understand the [trajectory](https://www.smeinstitute.ca/?gclid=CjwKCAjwl6OiBhA2EiwAuUwWZb_KOUgAKD3fDHGi6V_zMPvmq3Lrx1AUjkY3CQkgjxqr_OImf96owBoCMHMQAvD_BwE) and predict the right target market. Now with the help of technology we have a huge market globally and consumer demand keeps growing every year.


Planning to start your business tomorrow


## Smartphones are like Cars. So why don’t we maintain?

Prime Cell Repair & Accessories the best mobile repair store in Vancouver. You can contact at phone **1(604) 835-6345** and their email: primecellrepairs@gmail.com.

You can [repair](https://primecellrepair.com/) any kind of devices and unlock your locked phones. Including all kinds of iPhone. So, lets hurry, visit Prime Cell Repair & Accessories. And the store located in **International Village Mall, 88 W Pender Street Unit – 1191 Vancouver BC.**

Signup with [CARIGAAR](https://carigaar.com/) and earn **extra 10% discount** along with stores **25% on purchase** of any smartphones and accessories. So hurry up :slight_smile:

https://youtube.com/shorts/WU8-XnHX4qE?feature=share


Prime Cell Repair and Accessories


<img src="/locals/local2.jpg" alt="local news" />

Part – 2 Video of Prime Cell Repairs - [Video](https://youtu.be/BDX0vWGYGtE) stay tuned.

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Prime Cell Repair and Accessories live Qna


## So Many Ways To Save, check it out at Prime Cell Repair & Accessories

We visited to a brand-new store opened by one our Carigaar name Firdous. While talking with him, we came to know the offers he is giving in his store. If you buy a smartphone, it comes with **`a one full year of technical warranty`**. Also, you will get **`25% discount`** on all kinds of accessories.

### Amazing offer.

You can repair any kind of devices and unlock your locked phones. Including all kinds of iPhone.
So, lets hurry, visit Prime Cell Repair & Accessories.
And the store located in International Village Mall, 88 W Pender Street Unit – 1191 Vancouver BC.
You folks can reach Firdous by phone or email. His phone# (604) 835-6345 and his email: primecellrepair@gmail.com

<img src="/locals/local1.png" alt="local news" />

Part – 1 Video of Prime Cell Repairs - [Video](https://youtu.be/hTtAhj_A_Io) ………Part-2 coming soon, stay tuned.



<img src="/locals/local6.png" alt="local news" />
First thing we need to remember for every dollar we spent on local businesses, $0.63
comes back to our community. Creating an immense growth in local economy. Also there
is a ratio 24:1 which denotes local businesses gives back to community causes 24
times more than multinational organisation. But still small businesses in our locality
suffers the most.

As we talk with more businesses, small business owners in our locality are more worried about their future. Because they are struggling in hiring, in attracting new customers & in creating growth using technology. So its very important for us to support more to small businesses now than ever before, our discussions should be Shop Local.

Simple thing to understand by investing in a small business we are futureproofing our economy for long run.


Small Retail Stores and Services – what exactly happening ?


<img src="/locals/local12.png" alt="local news" style={{ width: "700px" }} />

If you are looking to start a film or [photography](https://www.adobe.com/ca/creativecloud/photography/discover/commercial-photography.html) business, then there are lots of ideas available for you. Startup costs for training and other equipment may look costly but if you can work on budget then it can be started on a low cost. Then add equipment slowly as your business grows. If the photography business can be done properly it can be a very good secondary income. But you must be passionate about photography. I talked with many [photographers](https://articles.bplans.com/successful-photography-business/), but most of them say it's competitive, but one should know how to market themselves. According to photographers, here are the small list of requirements:

**Basic Business Requirements -** business license, legal services, accounting services, business cards

**Equipment -** Two cameras, multiple lenses, two flashes, multiple memory cards, two external hard drives, desktop or laptop.

**Digital softwares -** photoshop subscription, online proof gallery, & website.

**Build your brand -** create your business name, make a brand to attract customers, obtain image licensing & usage contract, open a business bank account, find a software to manage clients like Carigaar, get the best payment processing service, create customer loyalty program and prepare digital marketing plan.

A budget between $10000 to $15000 can be startup money for a [photography](https://www.oberlo.com/blog/start-a-photography-business) business, if you're not buying every single piece of equipment. It's advisable to be slow and smart. Also be competitive in your rates, also prioritize clients expectations because that's important for your success.


Starting a photography business


<img src="/locals/local7.png" alt="local news" />

Then you should reach Bansal Mortgages – [www.bansalmortgages.ca](http://www.bansalmortgages.ca/)

Here's how we get our clients approved when banks can't:

They have an extensive network of lenders who are willing to take chances even under unfavorable circumstances (e.g: bad credit)

In cases where finances are more challenging, they can work with B lenders and private lenders, who consider various factors, rather than just focusing on numbers.

Reach out to them to discuss your situation & know how they can help!

📲 +1 (778) 322-3138

Start Your Application Now – [START](https://www.meetquoteshack.com/mortgage)

Most importantly, only for CARIGAAR users. If a CARIGAAR user applies for a mortagage with Bansal Mortgages and gets approved. Will receive gift cards of Home Depot for $250.
