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According to a survey conducted in March 2020 and recently published by InterNations, an expat organisation with around three and half million members, the Spanish city of Valencia is the best city in which to live as an expat. The survey assimilated answers from 15,000 respondents on five areas of experience: cost of living, finance and housing, quality of urban living, getting settled and urban work life. Alicante was in second place and Lisbon third, Malaga was in sixth place and Madrid ninth, meaning that five of the top ten cities were in the Iberian Peninsula. Interestingly, out of the 66 cities included in the survey, those top tourist destinations, Paris and Rome, came in the bottom ten. A fact that perhaps tells us more about the type of lifestyle sought by expats than it does about the quality of life in those cities.

Recommended article: The Best (& Worst) Cities for Expats

Around 15% of the Spanish population are foreigners and the twin attractions are clearly, plenty of sunshine and a low cost of living. So, what is it that makes Valencia the expat’s favourite? Spain’s third largest city is situated on the south eastern coast and its location means that it enjoys a climate described by the World Health Organization as ’ideal’. Its 300 days of sunshine per year lift the spirits with weather, which is never too hot, too dry or too wet and a cooling sea keeps the air fresh and clean. Like much of Spain, accommodation is inexpensive, and food and drink are cheap and of outstanding quality.

Recommended article: The Cost of Living in Spain

What makes Valencia exceptional is the quality of urban living which the city has to offer, quite simply, there is just so much to do. Valencia is beautiful and it is beautifully diverse. Its centre is medieval, its cobbled streets dominated by the cathedral with its blend of Baroque, Romanesque and Gothic. Here you’ll find ancient buildings, like the Silk Exchange, ornate churches, the biggest fresh market in Europe and delightful cafes and restaurants by the score. There are thirty-four museums, most of them free or very cheap and fine examples of Rococo, Art Nouveau and Art Deco architecture. By contrast, ‘The City of Arts and Sciences’, designed by the Valencian architect Santiago Calatrava is science fiction fantasy that looks like it’s come straight from the cover of a vintage copy of Astounding Stories. The scientific and cultural leisure complex is set in the dried-up bed of the river Turia and contains Europe’s largest aquarium, a 3D cinema, a science museum, an opera house and the Terraza Mya gardens. As if all that weren’t enough, there are the 20k of beaches, 6 within the city itself and a further 6 easily accessible by public transport. A further 10k beyond the city is the glorious Albufera National park. The inhabitants of Valencia certainly have good reason to count their blessings and just to top it off, Valencia is the home of Paella.

Travel a little further down the coast and you’ll reach the port-city of Alicante. For many the city is simply the location of an airport, but those who rush straight onward to their destinations are missing out on one of Spain’s great cities. Alicante shares many of the delights on offer in Valencia. The narrow streets of its old town are dominated by the medieval Castillo de Santa Barbara, which looms over the town. There are wonderful cafes and restaurants to be enjoyed, delightful parks and gardens, ancient monuments and historic buildings. Nearby there are fabulous beaches and world class golf courses and like Valencia, accommodation within the city is attractively affordable.

The capital city which features third highest in the survey is Lisbon, Portugal’s hilly coastal capital. Most capital cities are prohibitively expensive places in which to live but despite a property boom in recent years, rental accommodation in Lisbon remains affordable. Portugal also has one of the lowest costs of living in Europe and is rated the third safest country in the world. Once the heart of a great empire, Lisbon is a city full of wonderful architecture and its seven hills afford unexpected vistas at every turn. Lisbon has all the pleasures on offer that one would expect from a capital city: outstanding cuisine, vibrant nightlife, a rich cultural life, museums, galleries and world class shopping. It is an hour from the glorious beaches of the Algarve, enjoys year long sunshine and has an international airport linked to 120 destinations. You can see the attraction.

Setting Up A Service Based Business For BeginnersAlthough there are exceptions where both entities are entwined into one, most basics of the business is built around one unifying category so that the intentions and goals are clearly and visibly set.This distinction allows the individual to then decide of the accompanying tools that should be chosen for the purpose of enhancing the business experience and also to contribute positively to the ease of running the business entity.Most service based forays are labor intensive which the business entity revolves around. This is either packaged as the selling of expertise in a particular field or the selling of the actual “engines” that produce the desired outcome that bring in the revenue.Either way the quality, efficiency, attention and detail that is exercised within the business are the eventual elements that are going to make or break the business foray into the revenue churning mechanism.Basically offering the time frame required to create a particular service or to provide the content of the project itself is how the cost factor is calculated and the profits are gained in the service based business.Therefore, the individual would have to factor in the cost of business entity by the labor intensive tool it provides, in order to provide a suitable base line for the eventual calculation of the profits and the pricing suitable to be demanded.Alternatively the value of the service based business can be calculated on the value of the service being provided in a consultancy capacity which is evaluated against the insights the said service will bring to the company with the intention of creating a system thereby the said company is able to save or be more cost effective.Being able to identify a suitable and good service based company is very important if the new business or existing business owner intends to hire its services to help enhance the site’s potential.Identifying the characteristics of a particular service based company and matching them to the needs of the site in question will allow the business owner is make an informed decision of the merits of the chosen service.Do Your Research First-Customer perception of a company is very important to the progress and eventual success of any business endeavor, therefore it is very important to be able to identify the appropriate service based one to best suit the individual’s needs.Being able to provide good service should always be the prime concern of any business entity especially if its revenue earning power depends on this one factor.Market research is often the best way to identify the companies that have good track records and are capable of delivering what they promise.This information can easily be sourced over the internet as these companies will be active in presenting their achievements for all interested parties to view.It is also an excellent platform for potential clients and competitors alike to note the merits of the presenting service based company.Being well-placed on the search engine rankings will allow the service based company to be more visible and thus make it easier to garner the intended customer base to ensure its consistent success.The features of a good service based company would have to include the value added by the business entity from the input stage to the output stage where the results are then measured by its success rates.These input stages are often regarded as the commodity phase and the processes that it is designed around have to ensure the successful output stage which is where the end desired results are more than adequately met.Making a sale or pushing a business proposition is never an easy task to accomplish for some, therefore having the relevant assisting tools at hand should provide the individual with some encouragement to see the process to success.Marketing Skills-The following are some tools that can prove to be of great assistance to any individual intending to beef up their marketing skills:Making use of as many online tools as possible to promote the business or product intended is one way to start the enhancement of the marketing skills venture.Using blogs to create the interest and visibility for the item is something that should be considered as this is one way to get the attention of the target audience without much cost incurred.Working together with others is another way to beef up an individual’s marketing skills. Being part of a team effort where the individual’s talents and contributions are noticed and acknowledged is definitely an encouraging factor and helps the individual to be more adventurous and keen on honing his or her skills further.Availing one’s self to be listed on freelance job sites is also another way of beefing up the marketing skill of an individual. The fact that the visibility factor the site can bring to the individual will help the person focus more on ensuring the eventual connections made are optimized and locked in at the earliest opportunity.Social websites are also a good platform to introduce one’s marketing skills to the masses.Because of the competitiveness of all the participants in this particular platform the individual will subconsciously be forced to step out and ensure his or her participation leaves a positive impact on the interactions.Showcasing all the positive skill of the marketing process will eventually earn the respect and attention of others looking for such services.Create Your Website-Creating a website can be a challenging feat for those not very internet savvy, however it is not altogether a task that is formidable in nature. With a little startup knowledge and tips anyone can successfully attempt to put together their own website.The following are some guidelines that will help ease the process:Registering the suitable domain name is the first step to take when designing a website.The choice of this domain name should ideally take into consideration the relevance the name has to the intended site, an easy to remember reference, one that is short yet descriptive and whether it has the right extensions tagged to it such as.net,.com,.org.The next step would be to set up a web host account and this would entail the picking one that can provide the services the individual would need for the website.Although cost is always a factor for every business endeavor, it would be advisable to avoid using the cheaper and inexperienced ones available as this might end up costing the individual in the future.The follow up step would be to point the domain to the web host in place.This is a fairly simple exercise, however if the individual faces any potential problems along the way there are always assisting platforms to tap into to get the relevant help or explanations.Getting a word press linked to the site is another important step to incorporate into the setup. This word press is a free platform that is used by bloggers and allows the individual to build the website with the minimum of effort while making it user-friendly always.Last but by no means the least, would be for the individual to organize the website.This process would involve the backtracking exercise to ensure there are no defaults that would cause the viewer to be put off when visiting the site.Learning to build websites isn’t the complex technical process a lot of people think it is. All you really need to do is come to our website and get access to 300+ Tutorials that show you step by step how to build a website, and so much more, and start playing around with building your own websites.Advertising Ideas-In order to stay competitive it is necessary to always be able to have fresh views and ideas to present to potential customers and target audiences. Without such innovations the website will become stagnant and outdated thus eventually causing the original high volume of traffic flow to thin out. Brainstorming is one way of gathering and creating new ideas that would benefit any endeavor.Some of the ways that can be adopted to bring forth interesting and innovative ideas at the brainstorming sessions are facilitated by encouraging the participants to simulate the mindset of the customer or the intended target audience.By doing this the participant are more likely to anticipate the needs and wants of the customers and target audience and design any changes to fit into this discovery.Bringing people together to discuss ideas at the same time and in the same place is also another good advantage the brainstorming sessions can facilitate.Advertising ideas and campaigns can be discussed in “real time” as opposed to having emails flying about which is less effective and time-consuming and even confusing at times.Brainstorming for advertising purposes, should ideally take into account the following points:Problem definition and identification should be done at the very onset of the exercise. With this clearly outlined, other factors can then be worked on in line with the initial problem discovery information.Custom designing can also be worked on within the brainstorming session, as the collaboration of views can contribute to finding the one idea that is going to eventually used to build the campaign around.Customer Service-Making a sale is only the first step is the relationship building exercise, which will eventually contribute to either the success or failure of any business endeavor. Therefore, it is important to pay attention to the customer service offered to cement the success rate desired.The following are some tips as to how to stay on top of the customer service exercise:Taking the customer for granted is the first and most common mistake most businesses make. This is especially evident when the business has expanded to now successful and comfortable levels. Often forgotten is the customers that brought the business to such heights in the first place.Therefore, it is very important to keep in touch with the customers so that vital information can be obtained about the current needs and wants of the customer.In the quest to stay informed and provide optimum customer service another point to consider and exercise is the importance of being fresh and innovative with ideas that are going to keep the customer coming back for more.When boredom sets in the customer will usually simply look elsewhere for the next new exciting thing that attracts their attention.Therefore, in order to induce customer loyalty innovative ideas should be a constant feature within the business.Happy Customers Are Loyal Customers-Training staff to treat each customer with respect and individuality is well worth the effort. Sometimes this positive treatment is the defining factor that keeps the customer coming back, even if the products are not exactly the best in the market.Having the protocols in place for quick and efficient responses to a customer’s queries or grievances, is one way of ensuring the individual stays a loyal customer and does not spread negativity about the business or product. Happy customers are loyal customers.In most cases it is rather difficult to specifically categorize businesses into specific service based styles. This is mainly because a lot of businesses tend to incorporate different platforms and strategies into the actual blueprint of the business format.However, there are some that can be clearly defined as service based business companies and the following are some of these examples:Types Of Service Based Business-Such service companies may include the likes of services provided by doctors, accounts, architects, actuaries, lawyers and other related fields.On a more creative side one may include the likes of services provided for by fabric designers, fashion designers, color scheme artists and many more as the list of such endeavors can be quite overwhelming.Most service type companies rarely have appreciable inventory as the purchases for usually made with the objective of facilitating a job thus the need to carry any inventory would not be necessary.Merchandising companies can also be considered service style enterprises as they to provide a service of sort to the customer base.However, this service is based solely on providing tangible elements rather than just the action of extending physical service. The generation of revenue is from the actual sale of the inventory rather than from the service extended.Manufacturing companies also come under the category of providing a service to the industry and the customer needs. In this scenario the products or items are made and sold within the company’s business entity thus ensuring monetary gains are derived both from the product and the service offered by manufacturing the product.All these different types of basic service providing entities are all in place with one goal in mind and that is to create the platform for revenue earning potential. Therefore, in order to understand and identify which would be best suited for the individual business owner, more research should be done to find the style that best suits the individual’s needs.OK, so I hope this article gives those looking to start their own online service based business a better understanding on what it takes to set up and grow a successful online serviced based business.To your great success on your online business journey, Bob

It can be a very difficult time of year for many people. But does Christmas necessarily need to destroy your bank balance? Or can you take steps to have a more frugal festive holiday?

I have been celebrating the Christmas season for over 30 years now, and one thing I’ve learned over that time is Christmas is about one thing. And that is being surrounded by the people you love (and eating way too much food).

So you really don’t need to spend a fortune to have a fantastic Christmas, and these 4 ways will demonstrate how you can do frugally and for less cash.

Recommended article: 12 Days Of Spectacular Frugal Christmas Tips

Plan Ahead of Time
You should consider running your Christmas like a business. I don’t mean you need to fire Grandpa for falling asleep after dinner, but instead, keep a tight watch on the spending.

And the best way to manage the Christmas finances is to plan, and in order to do this successfully, you need to start early.

The more planning you do the more money you can save. Much like a business would, you should ensure you have everything planned with military precision. That way you are left without costly last-minute surprises.

And the more time you have to plan, the more creative with your spending you can be. You could even start thinking about making some gifts yourself, experimenting in the kitchen, or even getting your gift wrap and crackers the year before.

Did you know gift wrap and crackers are usually 75% less than retail price just a few days after Christmas day?

Save the Year Before
If you really want to have a positive impact on your finances start setting aside money for Christmas the day after. And yes I mean the day after Christmas for the following year. A little saved often is far less impactful both on a physiological and practical level.

It also means that you can afford some treats over the festive period. It is all well and good living frugally, but everyone needs to let their hair down with a drink and something nice to nibble on once in awhile.

Set aside a few dollars each week over the course of 50 weeks building up to Christmas. Even saving just $10 a week will give you a nice $500 package for the holidays.

Shop Smart
When you’re thinking about Christmas gift ideas you should make sure what you are buying is not too expensive. Don’t get carried away and try to think outside the box.

Practical gifts are often way more affordable.

And let’s be honest, far more useful in the long term.

You don’t necessarily need to buy socks and pencils, but something that is useful will be much better and definitely worth the money you do have to spend.

Recommended article: 13 Wonderfully Awesome Christmas Gift Ideas For Men

Cashback
You can’t escape the fact that Christmas is a time of year when you need to spend money. But if you really want to be frugal, then make sure you are getting some of that money back.

Cashback is a great way to get back 2-10% of the total purchase price – and there are countless providers offering this service.

TopCashback has been one of my favourites for many years now.

And if you need to spend the money anyway, you may as well get something in return. If you are spending a total of $1000 on gifts over Christmas, and you are able to get an average of 5% back for all purchases, then that’s $50 for your wallet.

And you can always double down on the savings by searching for discount codes and promotional offers as well.

It truly is a lot easier to have a frugal Christmas than you may think.