Why Freelance Marketplaces Are Not a Small Business Owner’s Friend

As a small business, one of the most tempting ways to get affordable web design services is to use a freelance marketplace such as oDesk or eLance. The simple fact is using these marketplaces is one of the biggest mistakes that a small business or start-up company can make. Taking this avenue is going to be a huge drain on both your time and your wallet.

Let me share with you a small nightmare story from one of these marketplaces. One small business owner decided that he was going to use eLance to have a small program developed for his company. He was a veteran user of eLance and had reviewed numerous applications with no problem but that didn’t stop him from getting scammed. He hired what seemed like a reputable coder. The coder ended up taking advantage of the eLance terms of service and made the business owner pay early before the work was complete.

As if that wasn’t enough, the coder was able to bill him for another $140 dollars without his consent! All in all, the business owner ended up with a code that didn’t work and a bill for over $300, and eLance only gave him back $75 in credit after fighting with them via email!

So what do you need to do to keep yourself and your small business safe?

• Avoid freelance sites like eLance for development services; they can rack up a hefty bill before you even get a working program.

• Don’t trust an applicant just because their application hits all the right notes, some of them have more experience in conning you, then you have in reviewing applications.

• Don’t waste time reviewing all the applications that flood in on these sites, a single job could have an upwards of 30 applicants. As a small business you don’t have time to waste on these applicants without the guarantee of a good hire.

Luckily there are companies that will take the guess work out of hiring the perfect web service developer and coder! Engineering recruiting firms go through the available applicants for you one at a time and make sure that they are not only qualified, but that the work they turn out is quality!

Some people fear that these firms cost more money for their engineers; however the slightly higher cost is easily justified when you realize that you are not paying extra for bad programmers, throwing your time away on application review, or being stuck with unqualified workers.

Bottom Line, if you are a serious start-up or small business owner you need to avoid the freelance marketplaces and use a recruiting firm to get the job done right.

How to Find the Best Freelance Copywriter Jobs

You can surely notice there are so many requests for freelance copywriter jobs out there. Within this article, we will look on three singular ways and how you can make sure to set yourself apart from all of the other freelancers out there.

1. Our first task is to identify the singular marketplaces wherever you must possess a subscription. The website to facilitate will be profiled is Elance. This specific marketplace has a very strong following as more than hundred thousand promise customers appear by the website all week. You are able to sign up to get rid of your services and the usage allows you to upload your most excellent handiwork to get rid of physically to promise clients. There is as well a search agents in place so to facilitate you can possess jobs to facilitate pick up your criteria e-mailed to you on every day basis. Cost used for a subscription to this specific website can range from eight dollars for every month up to individual hundred twenty dollars for every month.

2. The second way is a website which you must look to register used for: it is the website Guru, a real “spiritual guide”. This is in reality the biggest online irregular marketplace on the Internet to look used for online jobs with freelance copywriting jobs. The capabilities of this website are parallel to the ones to facilitate were posted in the part higher than used for to facilitate specific website. It has a service contributor bottom of as regards semi a million inhabit. If you live in Europe, you can employment both of these websites as well as a European challenge to these two, which is found on Getafreelancer. There are many other websites to facilitate as well offer a irregular online marketplace and individual of these is Directfreelance.com.

3. There is a third great, fast and little known method. Think as regards this: if you record any kind of carbon copy whether it is a remuneration for every click want ad, sales dispatch, email marketing article, ANYTHING……You have got to check this off nowadays!

Imagine:

– You possess the gamble to notice someone to see to all the handiwork used for you and who does not need to be paid.
– You Do not Even Have To know how to record carbon copy!
– A Master copywriter has simply on the subject of-released his breakthrough software to facilitate helps you record like a pro, automatically, by a suite of tools to facilitate cover all aspects of literature carbon copy.
– The software Forces you to think like a seasoned Pro!

It is the other exclusive way you can achieve your freelance copywriter jobs, the completely automated one.
Are you thinking as regards if is it possible?

Marketplace Lending: A Viable Option For Business Capital

In today’s world of commercial finance, we are experiencing the New Normal in terms of business financing and how businesses acquire capital for growth and expansion. I largely consider myself an advocate of traditional lending through the use of banks and commercial finance companies due to the lower cost of capital. But, due to the way commerce is conducted in today’s world with the use of technology and the fluidity of markets because of increased accessibility provided by the Internet, the need for compatible sources of capital have arrived via the fintech (“financial technology”) boom. Enterprising entrepreneurs have recognized a sizeable opportunity in that a majority of small businesses lack the access to capital needed to grow and sustain their businesses that provide jobs and resources to communities throughout the US. I would have laughed wholeheartedly a decade ago if approached with the business model most marketplace lending sources offer to small businesses now. However, I’m the one that’s being laughed at by these enterprising firms because via creative destruction mainly exacerbated by the Great Recession, they are filling a relevant need in the market both now and for the foreseeable future. I think it’s safe to presume that we’re not in Kansas anymore in terms of the traditional way of providing capital to the small business market via banks and commercial finance companies. I don’t believe that this model will become obsolete, but I do think that it will begin to decrease in scope as marketplace lending takes on more of a relevancy in the market because the way in which commerce is done today is not the same as it was done a decade ago.

Marketplace Lending as a Viable Lending Source for Firms

Business ROI has do with the strategies and decisions a business owner and his / her team make in order to optimize operating profits for the benefit of the firm and its stakeholders. These methods become more acute once business loans are obtained because there’s a requirement to not only repay interest, but also the principal of the loan. The key component of this repayment risk for the business owner is the level and amount of interest charged. Traditional lending sources have been able to provide relatively low-cost business loans, but there’s been a couple major downsides: (1) mostly offered to prime customers that have ideal personal and business credit and (2) abnormally long underwriting and decision times even for prime prospects. What happens to those entrepreneurs that are categorized as mid prime prospects with semi-ideal personal and business credit profiles? Most of these prospective borrowers are left to find other ways and means of meeting business capital challenges primarily credit cards and consumer loans that are not ideal in terms of cost, loan term, and repayment structure. Financial technology firms have come along in today’s market to provide business loans to viable firms that do not fit into a traditional financing sources “credit box”. In other words, there’s flexibility in the structure of the loan product. One downside to marketplace lending is on the high cost of capital due to the Peer 2 Peer model which basically means there’s no middleman between investors and borrowers. In lieu of the benefits that entrepreneurs receive from a marketplace lending source (flexible underwriting and decision structures, fast application and submission platforms, prompt turnaround and access of funds, etc.), the high cost of capital makes sense. In order to minimize the risk of default, business owners must assess the impact the loan will have on increasing and sustaining free cash flow for both repayment and operational growth. Thus, the business and technical risk of effectively using a marketplace loan is with the entrepreneur in that he / she must earn a higher ROI than the interest cost of the loan in addition to the other operating and capital expenses of the business. Welcome to the New Normal.

jerichobizfinance.com is an online platform that specializes in providing expert level advice and guidance to the micro entrepreneur in the areas of accounting / finance, operations, management, sales and marketing, human resources, and lending in order to help grow your business and maximize your cash flow

Why Freelance Marketplaces Are Not a Small Business Owner’s Friend

As a small business, one of the most tempting ways to get affordable web design services is to use a freelance marketplace such as oDesk or eLance. The simple fact is using these marketplaces is one of the biggest mistakes that a small business or start-up company can make. Taking this avenue is going to be a huge drain on both your time and your wallet.

Let me share with you a small nightmare story from one of these marketplaces. One small business owner decided that he was going to use eLance to have a small program developed for his company. He was a veteran user of eLance and had reviewed numerous applications with no problem but that didn’t stop him from getting scammed. He hired what seemed like a reputable coder. The coder ended up taking advantage of the eLance terms of service and made the business owner pay early before the work was complete.

As if that wasn’t enough, the coder was able to bill him for another $140 dollars without his consent! All in all, the business owner ended up with a code that didn’t work and a bill for over $300, and eLance only gave him back $75 in credit after fighting with them via email!

So what do you need to do to keep yourself and your small business safe?

• Avoid freelance sites like eLance for development services; they can rack up a hefty bill before you even get a working program.

• Don’t trust an applicant just because their application hits all the right notes, some of them have more experience in conning you, then you have in reviewing applications.

• Don’t waste time reviewing all the applications that flood in on these sites, a single job could have an upwards of 30 applicants. As a small business you don’t have time to waste on these applicants without the guarantee of a good hire.

Luckily there are companies that will take the guess work out of hiring the perfect web service developer and coder! Engineering recruiting firms go through the available applicants for you one at a time and make sure that they are not only qualified, but that the work they turn out is quality!

Some people fear that these firms cost more money for their engineers; however the slightly higher cost is easily justified when you realize that you are not paying extra for bad programmers, throwing your time away on application review, or being stuck with unqualified workers.

Bottom Line, if you are a serious start-up or small business owner you need to avoid the freelance marketplaces and use a recruiting firm to get the job done right.

How to Find the Best Freelance Copywriter Jobs

You can surely notice there are so many requests for freelance copywriter jobs out there. Within this article, we will look on three singular ways and how you can make sure to set yourself apart from all of the other freelancers out there.

1. Our first task is to identify the singular marketplaces wherever you must possess a subscription. The website to facilitate will be profiled is Elance. This specific marketplace has a very strong following as more than hundred thousand promise customers appear by the website all week. You are able to sign up to get rid of your services and the usage allows you to upload your most excellent handiwork to get rid of physically to promise clients. There is as well a search agents in place so to facilitate you can possess jobs to facilitate pick up your criteria e-mailed to you on every day basis. Cost used for a subscription to this specific website can range from eight dollars for every month up to individual hundred twenty dollars for every month.

2. The second way is a website which you must look to register used for: it is the website Guru, a real “spiritual guide”. This is in reality the biggest online irregular marketplace on the Internet to look used for online jobs with freelance copywriting jobs. The capabilities of this website are parallel to the ones to facilitate were posted in the part higher than used for to facilitate specific website. It has a service contributor bottom of as regards semi a million inhabit. If you live in Europe, you can employment both of these websites as well as a European challenge to these two, which is found on Getafreelancer. There are many other websites to facilitate as well offer a irregular online marketplace and individual of these is Directfreelance.com.

3. There is a third great, fast and little known method. Think as regards this: if you record any kind of carbon copy whether it is a remuneration for every click want ad, sales dispatch, email marketing article, ANYTHING……You have got to check this off nowadays!

Imagine:

– You possess the gamble to notice someone to see to all the handiwork used for you and who does not need to be paid.
– You Do not Even Have To know how to record carbon copy!
– A Master copywriter has simply on the subject of-released his breakthrough software to facilitate helps you record like a pro, automatically, by a suite of tools to facilitate cover all aspects of literature carbon copy.
– The software Forces you to think like a seasoned Pro!

It is the other exclusive way you can achieve your freelance copywriter jobs, the completely automated one.
Are you thinking as regards if is it possible?

Marketplace Lending: A Viable Option For Business Capital

In today’s world of commercial finance, we are experiencing the New Normal in terms of business financing and how businesses acquire capital for growth and expansion. I largely consider myself an advocate of traditional lending through the use of banks and commercial finance companies due to the lower cost of capital. But, due to the way commerce is conducted in today’s world with the use of technology and the fluidity of markets because of increased accessibility provided by the Internet, the need for compatible sources of capital have arrived via the fintech (“financial technology”) boom. Enterprising entrepreneurs have recognized a sizeable opportunity in that a majority of small businesses lack the access to capital needed to grow and sustain their businesses that provide jobs and resources to communities throughout the US. I would have laughed wholeheartedly a decade ago if approached with the business model most marketplace lending sources offer to small businesses now. However, I’m the one that’s being laughed at by these enterprising firms because via creative destruction mainly exacerbated by the Great Recession, they are filling a relevant need in the market both now and for the foreseeable future. I think it’s safe to presume that we’re not in Kansas anymore in terms of the traditional way of providing capital to the small business market via banks and commercial finance companies. I don’t believe that this model will become obsolete, but I do think that it will begin to decrease in scope as marketplace lending takes on more of a relevancy in the market because the way in which commerce is done today is not the same as it was done a decade ago.

Marketplace Lending as a Viable Lending Source for Firms

Business ROI has do with the strategies and decisions a business owner and his / her team make in order to optimize operating profits for the benefit of the firm and its stakeholders. These methods become more acute once business loans are obtained because there’s a requirement to not only repay interest, but also the principal of the loan. The key component of this repayment risk for the business owner is the level and amount of interest charged. Traditional lending sources have been able to provide relatively low-cost business loans, but there’s been a couple major downsides: (1) mostly offered to prime customers that have ideal personal and business credit and (2) abnormally long underwriting and decision times even for prime prospects. What happens to those entrepreneurs that are categorized as mid prime prospects with semi-ideal personal and business credit profiles? Most of these prospective borrowers are left to find other ways and means of meeting business capital challenges primarily credit cards and consumer loans that are not ideal in terms of cost, loan term, and repayment structure. Financial technology firms have come along in today’s market to provide business loans to viable firms that do not fit into a traditional financing sources “credit box”. In other words, there’s flexibility in the structure of the loan product. One downside to marketplace lending is on the high cost of capital due to the Peer 2 Peer model which basically means there’s no middleman between investors and borrowers. In lieu of the benefits that entrepreneurs receive from a marketplace lending source (flexible underwriting and decision structures, fast application and submission platforms, prompt turnaround and access of funds, etc.), the high cost of capital makes sense. In order to minimize the risk of default, business owners must assess the impact the loan will have on increasing and sustaining free cash flow for both repayment and operational growth. Thus, the business and technical risk of effectively using a marketplace loan is with the entrepreneur in that he / she must earn a higher ROI than the interest cost of the loan in addition to the other operating and capital expenses of the business. Welcome to the New Normal.

jerichobizfinance.com is an online platform that specializes in providing expert level advice and guidance to the micro entrepreneur in the areas of accounting / finance, operations, management, sales and marketing, human resources, and lending in order to help grow your business and maximize your cash flow

De-Stressing the Marketplace – An Overview

I had a vision a while back that I’d like to share with you. After exposing myself to the stress issues in the marketplaces I was frequenting in an international tourist and destination ski town, I got curious about stress, customer service, and customer satisfaction. It turns out that at least one study in consumer complaint behavior found that the baby boomer demographic-which are still in the childbearing years-tends to spend money in the marketplace and are generally characterized with higher than average stress, defined by the perception of a stressful lifestyle. Research focused on the use of complaint as a means to manage stress.

Elsewhere, a much greater collection of research points to the stress that leads to job burnout in high stress customer service center jobs for organizations such as Verizon. Their findings correlated with other high stress service oriented jobs such as nurses who experienced high burnout. The common denominator in all these studies was a missing link: the consumer. While studies generally focused on the stress that the employee experienced, only one study focused on the stress of the consumer.

The marketplace is probably the largest untapped resource for stress awareness and management. Think of a few simple examples. If you and your family are ‘stressed out’, you probably will go out to eat or go on a vacation. We traditionally use pleasure experiences as a way to recuperate from stressful lives and experiences. Executives commonly use lunches to de-stress before returning to stressful negotiations, stressful deadlines, stressful workloads. Vacations are a stress management tool backed by research, with generally good, if short-lived consequences.

I’m convinced that quite a bit of customer complaint behavior is an extension of stress. Consumers are locked in the fight or flight mode, and convinced they have not gotten the value or return on their investment that they deserve. Moreover, when consumers address these issues, I’m convinced that other frustrations and concerns can bleed into this negotiation for a fair return on investment or reasonable expectation.

What would happen if, in addition to the quality customer service training we already incorporate into most organizational training programs, we incorporated marketplace based stress awareness and management? What if instead of viewing the complaining consumer as a shark or an un-satisfiable perfectionist with unreasonable expectations, we trained our staff to de-personalize from the kinds of projections and reactions people naturally respond with in a stressful marketplace situation? What if we trained ourselves to identify stressors, and respond to those as a value-added approach to marketing? What if instead of responding with defensiveness when the client made demands that seemed extraordinary, we changed the channel, and began acknowledging their stress, and offering ways to de-escalate that stress, aside from simple external satisfactions like meeting extraordinary demands?

As I see it, if the stress issue is identified and addressed, the potential for greater satisfaction in marketplace transactions is likely to greatly improve. At the end of the day, winning isn’t everything if you experience so much stress that you haven’t got the emotional headroom to enjoy what you have won. So too in the marketplace. By consciously acknowledging the stress issues, and moving these issues out of the way, value is added to the marketplace experience that cannot be had by simply increasing material value. Let me know what you think.

How to Navigate the Job Marketplace

Whether you’re fresh out of school and ready to start your career or you’re hoping to move jobs within the construction or engineering industries, navigating the job marketplace can be confusing. Finding open positions is often challenging, especially during slow times. Even more challenging is the struggle to find the company that’s right for you. If you’re ready to start navigating the job marketplace, following these key tips can help.

Build Your Network

From the first time you set foot on a job site or in a professional venue where you have the opportunity to interact with construction workers, engineers, subcontractors, and others within your field, you need to focus on building your network. Develop potential connections. Get to know people. Whether you’re just starting out or you know you’re going to be changing jobs soon, building your network is the key to knowing what positions are open and getting your foot in the door.

Carry business cards. This may seem like a cliche, but it’s one of the best ways to literally get your name in the right hands.
Visit trade shows and talk people there.
Get to know the people who are coming to your job sites. You never know when one of them will be ready to offer you your next job.
Volunteer. Whether you’re just starting out in construction or you’ve been working in a specialized position for years, there are jobs out there that need to be done. Check out Habitat for Humanity in your community, donate your time to a local school that’s trying to get a building repaired, or work with local churches as they handle building mission trips. Contractors in your community are working there, too–and they’ll take note of your presence and the quality of your work.

Try to Leave on Good Terms

You know that your current job isn’t working out. Your superintendent has a bad attitude, your hours keep you away from your family when you most need to be with them, and the terms of the contract you signed aren’t being adhered to. No matter how bad it is, however, you want to make sure that you leave your current job on good terms. Give appropriate notice, try not to leave in the middle of a project, and keep your work ethic strong even in the last days of your employment instead of trying to “go out with a bang.” The construction and engineering communities in your city are relatively small, and burning your bridges with one company may make it harder for you to get your next job.

Build Your Skills

Both the construction and the engineering industries are experiencing a shortage of qualified individuals to take those open positions. That means that the more skills you have, the more positions are open for you. Taking the time to develop specialized skills will make it far easier for you to acquire a job in the future. Any time you’re on a job site, ask questions. While you shouldn’t walk away from your own work to watch or help someone else, being available and willing to learn new skills is the mark of a great construction worker–and those skills can be of immense benefit to you later.

Work with a Staffing Company

Staffing companies that are specifically dedicated to construction or engineering are a great first step, especially if you’ve been struggling to get a job or are afraid that you’ve left a bad impression on a previous employer that might be impacting your future employment opportunities. A staffing company can help get you a temporary or long-term position that could eventually turn into permanent employment, especially if you take advantage of that position to improve your network and reach out to other potential employers.

Navigating the job market can be frustrating, but it’s not impossible! By following these key steps, you’ll find the right job for you and improve your chances of being hired at the company of your choice. While it might not happen overnight, there’s a job opening with your name on it. You just have to find it!

Graphic Designers Have Opportunities With Design Marketplaces

Graphic and web designers are in high demand in today’s fast-moving world. Unfortunately, for every designer that has too much work, there is another one that has too little work. Although there are any number of reasons why some design freelancers struggle, there is one excuse for why some of the most talented ones are out of a job.

That reason is many potential clients are simply unaware of a hidden design talent. Furthermore, since freelance talent typically have to work more than one job to supplement their income, many do not have the extra time it takes to devote themselves to marketing their talents and getting work.

Thus, these designers are often left frustrated and questioning their skills within the industry. However, all is not lost because there are design marketplaces that can help a designer boost his or her skills, build a strong client base and learn the quality of work required for major clients.

These design collectives vary per industry, but the design-focused ones typically require their talent to design logos, design websites, help with branding (packaging, fonts, etc.), corporate identity and more. Sites like those have even provided web and graphic designers with enough capital to fund their own businesses.

Thus, not only can one create a strong client base, but he or she will learn invaluable skills for the future design projects. However, not every member of a design collective will be able to flourish. The best ones work hard at constantly honing their craft, marketing their skills, understanding the business side of design and networking.

All of those skills are crucial in helping a graphic designer go from a talented freelancer to one that owns their own design firm. This is because at the heart of all design is a business. Designers who elect to work through a marketplace are exposed to a number of opportunities that someone else in their position would not be exposed to.

Many large international firms are beginning to use marketplaces to source their design talent. This is where a strong portfolio, experience and business skills come into play. However, a person that is new to the site with all of the above traits could easily find themselves working on a multimillion dollar design project.

However, the designers must be ready and projects of that scale typically provide steady work for months. Yet, designers will quickly be let go of an assignment if they are not professional.

Professionalism is key and to take advantage of any opportunities, designers must be very organized and understand how the project will work in the market. Designing websites and marketing materials is simply another medium for businesses to interact with their consumers and impact their bottom line.

Therefore, quickly translating to their clients how the designer’s end results will service their needs in the market will earn the designer utmost professional respect. Yet, even if one does not land that big job quickly, they will still have unprecedented access to highly talented and experienced designers who are all willing to share industry tips.

After all, there is only so much one can learn from college, but it isn’t until one arrives in the real world and works on real projects does the education really begin. Having access to fellow designers to discover little tools and tricks that they didn’t teach in school will add an extra layer of experience to a designer.

Having a collective where freelancers can work, learn and network is key to developing success in the industry. Many times marketplaces offer a level of support that is unheard of for a new or freelance designer to rely upon. Thus taking advantage of the opportunities presented to them is a must because it will only help them improve.

InnoDojo is a marketplace for large and small business owners to find the best web designer for their needs. The company is headquartered in Plano, Texas and it specializes in web consulting, logo design and web design in addition to assisting clients with identifying their corporate identity. The company prides itself on its ability to handle large and small projects and employing designers with a wide variety of skills for the web design marketplace.

Know Your Self Worth in the Business Marketplace

Far too many times in the last few years because of the crummy economy, professionals are devaluing their self-worth in the job marketplace. We as a society need to put a value on our own lives in the business world and start driving the price of employees up instead of down.

This theory is not only goes for solo-entrepreneur’s on the internet and off, but the common job seeker who has just found themselves laid off from a job, re-entering the job marketplace, or trying desperately to move on from their current position. I worked for a company once that lost their contract. It was awarded to another vendor and the employees in my office scrambled to move on before being laid off.

The one thing that distressed me was the inability to determine one’s self-worth in the business marketplace. What irks me the most in corporate America is when people take a pay cut when they really deserve a raise. Why on earth would you work at a position for 3-10 years, gain all that experience and then let someone tell you that your worth is less than what you are currently making or valued at the same amount?

It’s inexcusable to let someone dictate your value in our society regardless of what the economy is doing, what your friends tell you should be making, or what an HR person says your job title is worth! Do you want to know why? Every time you take a pay cut you are not only undermining your ability to survive and your family’s ability, but you are telling the HR person and the economy they are right. Do you have any clue what that does to the job market? That not only makes the rich richer (the big bad business owner), but it also now tells the rest of the job pushers that your job is now only worth this much money. That means everyone else who is qualified for that position in a different state and a different city has now been told their job is only worth this much.

So for example, Project Coordinator Jane in ABC city USA has made 60K a year as a high level project coordinator on at IT project for the last 3 years. She has gained invaluable skills and could probably do the job of a project manager now and run circles around them. Unfortunately she has also gotten burned out on her job and she has heard rumors that they are eliminating her department.

She has now applied for a better coordinator position at company Awesome. They have everything she wants in a position and are even going to give her more duties such as managing a small staff. Guess what? They know she needs a job so they offer her 55K a year to this awesome new job and explain that’s what everyone else in the industry is now offering. Jane takes it without even negotiating and she is happy to have a job. But she has a twinge of depression creep in because she feels that she should have and could have been making more but tries to rationalize her thoughts stating she was going to be out of a job soon so she should be grateful for anything at this point.

This is where the downward spiral starts. Jane in turn has started a ripple effect by not even negotiating herself worth even though she deserves more. But now she feels a bit of anxiety every time she goes to work at her new awesome job because she knows she should have asked for more money. This is a common problem not only in the corporate world but online as well. Because Joe Shmoe in India can live on and will take 4 dollars an hour, Joe Brilliant in the good ole USA feels he needs to lower his prices as well.

If the entire workforce would stand up for themselves and tell corporate America they are worth more, and that they will not being doing the job of 3 people instead of just 1, I believe our job force would be much happier and work more productively. You have to value yourself everyday in life and business much higher than what you would expect. In turn others will value you as well in turn affording you better opportunities, more money, and a better lifestyle. The moral of the story is, if you have to fake it do, ask for what you are worth, know where you are going in life whether it be in corporate America or as a solo-entrepreneur. Never settle for less than you are worth!