Entrepreneurialism and a solid work ethic are strong tenets of the Hispanic culture. Given these characteristics, it’s no surprise the number of Hispanic-owned businesses in the U.S. has expanded as rapidly as it has. Since 2007, these firms have grown an astounding 57 percent to more than 4 million.Like most small businesspeople, Hispanic leaders need strong guidance, both financial and otherwise, to achieve and maintain success. The potential to increase business revenues is seen in the fact Hispanic-owned businesses have a tendency to generate average annual incomes well below the average in the U.S. (even below the average for minority-owned businesses).Credit unions, particularly those focused on the growth of their Hispanic memberships, are well-positioned to provide this guidance. That’s because many of the cooperatives that are planning – maybe even executing – strategies to attract Hispanic consumers are already on track to serve the community’s business owners.Hispanics account for one out of every five new entrepreneurs in the U.S. Entrepreneurs rely heavily on financial services. Yet, credit unions will do well to consider creating programs that go beyond business loans and other financial products to help business owners optimize operations and grow their firms. Consider solutions that reduce business expenses, such as payroll costs, for example. Offering the employees of Hispanic businesses payroll direct deposit to checking accounts or to prepaid reloadable cards will help the owner eliminate payroll check printing and will provide employees more access to their money. This type of a program can be mutually beneficial, as the business saves time and money while the credit union establishes potentially long-term relationships with its employees. continue reading » 5SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr
6. Drink water from the tapDo not waste your money on bottled water in Japan. All the water from taps in Japan is drinkable and safe. Just buy one water bottle from a supermarket, then fill it up at your hotel or wherever you go. 7. Visit the free observation decks in TokyoHere is a great tip if you are visiting Tokyo. For the best view of the city, hop over to the 45th floor of The Tokyo Metropolitan Government Building in Shinjuku. The building offers two free observation decks from where you can get a great panoramic view of the city. On a clear day, apparently you can see Mount Fuji. Want more tips for trips to Japan? Check these out:5 cool things to experience in JapanTired of Tokyo? Looking for new adventures in the Land of the Rising Sun? Read more about Japan’s must-sees and how to get there for yourself.8 geeky things to see and do in TokyoLove technology and gadgets? Take a tour of 8 of the best hi-tech attractions on the ultimate geek’s adventure in Tokyo.Photo guide: a tour of Tokyo in photographsWritten by Kash Bhattacharya for Skyscanner.Skyscanner is the world’s travel search engine, helping your money go further on flights, hotels and car hire.ReturnOne wayMulti-cityFromAdd nearby airports ToAdd nearby airportsDepart14/08/2019Return21/08/2019Cabin Class & Travellers1 adult, EconomyDirect flights onlySearch flights Map RelatedHiking in Japan: 15 awe-inspiring trailsFrom epic climbs up active volcanoes to temple odysseys through the mists of time, Japan is full of fantastic walking trails and some of the world’s most impressive mountains. Here are our top 15 routes, plus a few tips, for the ultimate hiking holiday in Japan. But first the essentials…Top 15 attractions and things to do in TokyoA fascinating mix of the hyper-new and the ancient, you can see the second-tallest structure in the world – the Tokyo Skytree – on the same day as visiting a 1,400-year-old temple in Asakusa. Here’s our list of Tokyo’s top attractions, as eclectic as the city itself.15 of the weirdest hotels in JapanChecked in by a robot, sleeping in a capsule and a wake-up call from Godzilla? It can only be and stay in Japan. 1. Get a Japan Rail PassNothing beats seeing Japan from a rail window. JR Rail pass is the way to see Japan. It offers unlimited rides on Japan Rail network for one, two, or three weeks – all services except the fastest express services. It is available only to people on a tourist visa. All you have to do is purchase the pass at least a week or more in advance of your trip to Japan. A rail pass for one week is around ¥28,300 or about £150. A normal return fare from Tokyo to Kyoto is ¥27,000, about £145. So just with the one return fare from Tokyo to Kyoto you are almost covering costs of the JR Rail Pass.Click on the image to read about more fun things to do in Japan that won’t break the bank. Credit: ©tupungato / Thinkstock Editorial2. Hop on a busIf you’re already in Japan without a JR rail pass then consider taking the bus. For example travelling with Willer Express you can travel for as little as 3500 yen one way from Tokyo to Kyoto. Journey time is around 8 hours and you can book online via their English website.3. Eat out at a supermarketIf you are on a tight budget in Japan, eat out at least once a day at one of the local convenience stores, usually a 7-eleven. This isn’t your usual ready made convenience fare. You can choose from delicious dishes like salmon on rice with butter soy sauce or their wide range of sushi dishes or try their chicken soboro bento with sides of coleslaw and spinach. Delicious! Locals clear out the shelves after work so get there early to get the best possible selection of food. Also another handy tip: ATM machines at 7-eleven are one of the very few places where you can withdraw money using a foreign bankcard. Credit: ©Kheng ho Toh / Thinkstock Editorial4. Pop in the world’s oldest fast-food chainYoshinoya is the oldest fast food chain in the world, serving tasty, cheap and quick food. Their signature dishes are beef bowls, aka Gyūdon. What you get is a bowl of rice topped up with beef and onion simmered in a mildly sweet sauce flavored with dashi (fish and seaweed stock), soy sauce and mirin. They also serve red ginger (beni shōga) and Japanese tea (ocha) free of charge. It costs just ¥500 (£3) with a bowl of miso soup. Bargain!5. Consider capsule hotels and internet cafesMany people consider accommodation in Japan to be expensive but there are some really budget friendly options. Capsule hotels were invented to give Japanese business men place to crash if they missed the last train home or were too drunk after a few drinks out with colleagues. If you suffer from claustrophobia, worth remembering these rooms are tiny: all you get is a tube with a mattress. Nine Hours Hotel in Narita Airport will offer you a robe, toothpaste, toothbrush and even slippers! Another experience to sample is sleeping in an Internet cafe. If you come in late, you can get a room from midnight until 8am for about £20. On many occasions you may be sleeping on a couch, but if money is tight, this an option you may want to consider. The cafes often have showers as well.