Tax Help For Business and Pleasure Trips #travel #republi

#business travel

Tax help for business, pleasure trips

By Kay Bell •

You really need a break, but it’s been a tough year for your business and you’re not comfortable spending money on vacation travel. Let Uncle Sam help pay for your business trip. When you tack on personal vacation days to the beginning or end of a business trip, your out-of-pocket costs could be minimal since much of the business portion of your travel could be tax-deductible.

The pairing of corporate and vacation travel is easier for self-employed business owners. But employees also can take advantage of combined personal-business trips.

The key, as with anything tax-related, is substantiating that you followed IRS rules.

Ordinary, necessary expenses

The IRS has no problem with business owners deducting legitimate expenses. As long as the travel benefits or advances your business, you can write off ordinary and necessary expenses.

What’s considered ordinary and necessary? That depends, says the IRS, on the facts and your circumstances. In general, an ordinary expense is one that is common and accepted in your trade or business. A necessary expense is one that is helpful and appropriate for your business.

Under these standards, deductible travel expenses typically include hotels, meals, entertainment and round-trip travel to meet with existing or potential out-of-town clients.

Convention and seminar costs also could be deductible as long as the conferences specifically relate to your business or profession or help improve your career skills. That’s why so many professional groups hold conventions in vacation spots like Orlando, Florida, or Las Vegas.

Getting there

Traveling to a business meeting obviously is work-related and the IRS doesn’t really care whether you get there a few days early or hang around for a bit after your business is concluded.

Since you had to travel anyway, you can deduct the cost of your transportation as a business expense when you file your company’s taxes. This applies to auto travel as well as airfare.

“If the primary purpose is business, you don’t have to apportion it even if you spend some personal time,” says Barbara Weltman, tax attorney and author of “J.K. Lasser’s Small Business Taxes 2015.”

In fact, when you fly for business purposes and extend your stay to get a reduced fare by, for example, spending a Saturday night at your destination, the associated stay-over costs usually are deductible, too, even though you have no business meetings that extra day.

The cost of travel by bus, train or auto, either your own car or one you rent, also is deductible. But don’t try to slip in the price of airfare if you got your ticket via frequent flier miles.

Timing is everything

Many people set up out-of-town meetings for late one week and early the next. “That basically requires you be in town, but you have the weekend to yourself,” says Mercedes Infante, an enrolled agent and CPA with BDO USA’s Orlando, Florida, office.

Be sure, though, that you don’t extend your personal stay too long. In order to deduct your transportation costs, your trip must be primarily for business. You do get to count your travel days as business, but carefully calculate the overall work-to-pleasure ratio.

If you spend 3 days getting to and meeting with clients, but bookend the travel with 5 extra days for sightseeing, the IRS will consider your trip more for fun and disallow your travel deductions.

Lodging costs

Your hotel costs while conducting business also are deductible. Here, too, you need to differentiate between the portion of your stay that was personal.

For the extra days you stay to enjoy a location’s recreational offerings, you cannot deduct those hotel charges.


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Start Your Own Travel Business – How To Start A Travel

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Start A Travel Business Today


W hat is your inspiration for starting a travel business? Have you traveled somewhere that changed you as a person? While in this location did you learn about the culture, break bread with locals and friends, and now you want share that experience with others? “W” Tour Travel Group aides people just like you on shoe string budgets develop their passion for travel into a business. “W” Tour Travel Group will help you start your new travel business even if you have little to no experience, a very small budget, and no formal business plan. What you must bring to the table is passion, inspiration, an idea, a budget to start your business, and an above average work ethic.


W hat is your travel/tour product? It certainly should be more than a flight and a hotel. You need to create a product that is a travel experience that appeals to a consumer on an emotional level and inspires them to share that experience with others. “W” Tour Travel Group will help you create a unique travel experience that has the basic nuts and bolts associated with getting from point A to point B, hotel reservations, and out of the box tours and excursions that create a true travel experience for your potential customers. Our connections throughout the world allow us to help you contract the vendors who will source the components you need to market a unique travel/tour product.

Free (no obligation) 30 minute phone consultation.


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Tooling Up: The Business Development Career Track #biotech #business #development


Tooling Up: The Business Development Career Track

T his month, I am launching a new series of columns about alternative career options for scientists that will alternate with the normal nuts-and-bolts content of Tooling Up. In each of these columns, I will expand upon a career option and present the background and advice of someone who has excelled in that field.

As I’ve stated many times in my columns, the best way to learn about a job that sounds interesting to you is to talk to someone who’s already working in that position. In this series, I’ll be doing some of that work for you, but I urge you to take it further. Tools like Informational Interviewing can be invaluable when you combine what you learn on Science Careers with your own research.

Smaller companies are a great place to start a career in business development because of the varied work. You can be developing a marketing plan one day and be working on the terms of a licensing agreement with a major company the next.

This month, I’ll explore business development (BD) careers. This is the job option people ask me about most often when I give seminars about alternative careers. It is also one of the most misunderstood. For many, the term brings to mind a rep from the local reagents supplier–someone they generally avoid when they see him in the lab. Or they think of a used-car salesman–and all that says about pushy sales behavior.

Much more than sales

“In small companies, the term ‘business development’ is often applied to salespeople because the perception is that it sounds friendlier,” says Brandon Price, a business-development consultant who runs his own business, Falcon Ridge Associates. in Cary, North Carolina. “But the term is a broad one, and it actually represents careers in several niches.”

Few careers for scientists offer such a wide variety of employment opportunities. BD staff work in small companies, large companies, government centers, universities, and private institutions. The daily activities are varied, ranging from strategy and market planning to customer contact, new business development, and licensing.

Business development professionals at small companies may be involved in sales and marketing, but Brandon says that they’re also involved in scouting for new technologies, developing business opportunities, licensing, and dealmaking. I think smaller companies are a great place to start a career in BD because of the varied work. You can be developing a marketing plan one day and be working on the terms of a licensing agreement with a major company the next. Small companies give you a mix of experiences, a base from which you can zero in and become an expert in one niche.

At larger companies, business-development jobs are much more specialized. “In the big corporations, business development most often refers to teams of people looking for new products, new markets for existing technologies, strategic partnerships, and the like,” Brandon says. Scientific knowledge is really important in these jobs, and although there are non-Ph.D.s in business development, employers will readily pay a premium for advanced degrees. I see far more BD positions that require Ph.D.s than I do positions that require any other degree, including MBAs.

Technical know-how is also the key to another business development niche, technology transfer. “There are also BD types engaged within tech-transfer entities at universities whose job it is to work with the inventors to generate good summaries of inventions they want to see commercialized, and then find and engage prospective industry licensing partners,” Brandon says. Tech-transfer positions are found both in organizations that want to license out their technology, such as universities, and in organizations that want to license in an idea to develop into a product, such as a medical device or biotechnology company.

Licensing specialists work with both “in” and “out” licensing agreements. Sometimes, a licensing specialist may add a law degree to their technical credentials at midcareer or later.

Brandon’s experience and recommendations

Brandon’s career is a good example of how to make a move into business from the bench. He started his professional life as a Ph.D. biophysicist in academia. After a few years, he was on the tenure track but was receiving a fair amount of funding from industry. He had developed contacts in companies and liked the applied nature of industry.

“I moved from academia into a technical role at J J [Johnson Johnson] in the company’s flow-cytometry business unit,” Brandon says. “I was soon supervising two technical teams, one involved in developing clinical protocols for a new flow cytometer and the other engaged in developing new measurement parameters to enhance an existing blood-cell analyzer.”

Like many others who have crossed the bridge between technical work and business, Brandon found that the sales and marketing team didn’t really understand these complex instruments. “These folks found that I was delighted to work with their clients and prospects to help them understand the features and benefits of the new technologies we had developed, and I began to do more and more of that.”

Several people moved from J J to form a new biotech company, Damon Biotech, including the start-up’s chief executive officer and vice president of sales and marketing. They recruited Brandon for a product-director position with the new venture. Damon Biotech was an important biotech start-up–one of the first contract manufacturing organizations and an important building block for the Boston-area biocluster.

Damon Biotech offered contract cell-culture services to other companies, producing monoclonal antibodies for both therapeutic and diagnostic companies. Brandon went into direct sales and was responsible for sales to clients who were developing therapeutic products. He was also posted to the United Kingdom for more than a year so he could establish Damon’s European business development organization.

Since those days in the early to mid-1980s, Brandon has been in or had responsibility for many business-development niches. He’s worked for both large companies and start-ups, including a couple of stints as CEO for start-up companies.

Brandon didn’t go directly from the lab into business development–it took a few steps to get there. This is typical for people in these careers. BD isn’t a target that you can easily transition to directly; it’s always better to go in sideways, by first taking a technical role at a company or institution and then taking advantage of your connections within the company.

“In my view, the most important connection to the transition from research to BD is a mentor, someone who sees your attributes and who recognizes the value that an articulate, technically competent person can bring to the business development function at his or her organization,” Brandon says.

Breaking into BD

One mistake many scientists who want to go into business development make is that they try to forgo actual work experience by getting an MBA. Although some BD jobs, notably in the larger companies, may require an MBA, these jobs are in the minority. “If you already have an advanced technical degree, like to work with people, and are a good communicator in both written and spoken English, I strongly urge that you find the right company to employ those traits, perhaps even in a sales position to get some good experience,” Brandon says. “Besides, your new company will most likely have a tuition-reimbursement plan, and you can get your MBA on their coin!”

If you’re interested in jobs in this sector, don’t just start looking at online ads for jobs that appeal to you. As I’ve said in many “Tooling Up” columns, you need to use your networking skills and talk to people to find out what the industry’s needs are and how your skills can help to meet those needs.

“Believe me, good, articulate, technical people who want to work in business development are hard to find, even in the current economic climate,” Brandon says. “If that sounds like you, one great way of landing a job is to talk to the salespeople at trade show booths. Corporate VPs are always lurking about, especially if it is a large conference, something like the BIO or FASEB meetings. With the right kind of technical background and a good first impression, you may find that a position opens up.”


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MBA Degrees #mba #degree, #mba #program, #business #administration, #mba, #leadership, #degree,



MyExcelsior is your customized portal to Excelsior College, allowing you to review, manage, and respond to all aspects of your Excelsior experience. Registration is free.

Why the Web Won t Be Nirvana #at #and #t #business


Why the Web Won t Be Nirvana

After two decades online, I’m perplexed. It’s not that I haven’t had a gas of a good time on the Internet. I’ve met great people and even caught a hacker or two. But today, I’m uneasy about this most trendy and oversold community. Visionaries see a future of telecommuting workers, interactive libraries and multimedia classrooms. They speak of electronic town meetings and virtual communities. Commerce and business will shift from offices and malls to networks and modems. And the freedom of digital networks will make government more democratic.

Baloney. Do our computer pundits lack all common sense? The truth in no online database will replace your daily newspaper, no CD-ROM can take the place of a competent teacher and no computer network will change the way government works.

Consider today’s online world. The Usenet, a worldwide bulletin board, allows anyone to post messages across the nation. Your word gets out, leapfrogging editors and publishers. Every voice can be heard cheaply and instantly. The result? Every voice is heard. The cacophany more closely resembles citizens band radio, complete with handles, harrasment, and anonymous threats. When most everyone shouts, few listen. How about electronic publishing? Try reading a book on disc. At best, it’s an unpleasant chore: the myopic glow of a clunky computer replaces the friendly pages of a book. And you can’t tote that laptop to the beach. Yet Nicholas Negroponte, director of the MIT Media Lab, predicts that we’ll soon buy books and newspapers straight over the Intenet. Uh, sure.

What the Internet hucksters won’t tell you is tht the Internet is one big ocean of unedited data, without any pretense of completeness. Lacking editors, reviewers or critics, the Internet has become a wasteland of unfiltered data. You don’t know what to ignore and what’s worth reading. Logged onto the World Wide Web, I hunt for the date of the Battle of Trafalgar. Hundreds of files show up, and it takes 15 minutes to unravel them—one’s a biography written by an eighth grader, the second is a computer game that doesn’t work and the third is an image of a London monument. None answers my question, and my search is periodically interrupted by messages like, “Too many connections, try again later.”

Won’t the Internet be useful in governing? Internet addicts clamor for government reports. But when Andy Spano ran for county executive in Westchester County, N.Y. he put every press release and position paper onto a bulletin board. In that affluent county, with plenty of computer companies, how many voters logged in? Fewer than 30. Not a good omen.

Point and click:
Then there are those pushing computers into schools. We’re told that multimedia will make schoolwork easy and fun. Students will happily learn from animated characters while taught by expertly tailored software.Who needs teachers when you’ve got computer-aided education? Bah. These expensive toys are difficult to use in classrooms and require extensive teacher training. Sure, kids love videogames—but think of your own experience: can you recall even one educational filmstrip of decades past? I’ll bet you remember the two or three great teachers who made a difference in your life.

Then there’s cyberbusiness. We’re promised instant catalog shopping—just point and click for great deals. We’ll order airline tickets over the network, make restaurant reservations and negotiate sales contracts. Stores will become obselete. So how come my local mall does more business in an afternoon than the entire Internet handles in a month? Even if there were a trustworthy way to send money over the Internet—which there isn’t—the network is missing a most essential ingredient of capitalism: salespeople.

What’s missing from this electronic wonderland? Human contact. Discount the fawning techno-burble about virtual communities. Computers and networks isolate us from one another. A network chat line is a limp substitute for meeting friends over coffee. No interactive multimedia display comes close to the excitement of a live concert. And who’d prefer cybersex to the real thing? While the Internet beckons brightly, seductively flashing an icon of knowledge-as-power, this nonplace lures us to surrender our time on earth. A poor substitute it is, this virtual reality where frustration is legion and where—in the holy names of Education and Progress—important aspects of human interactions are relentlessly devalued.


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Mobile County Probate Court #mobile #county #business #license


As a government office in Mobile County, Alabama, some of our primary functions, duties, records and services are the following:

records search
copy request
genealogy archives
power of attorney
oil, gas and mineral leases
DD214 and military records
medical and dental licenses
plats and maps
oath of office
official bonds
Uniform Commercial Code
claims against estates
tax liens
recorded judgements

property records (deeds, mortgages, liens, etc.)
how to record a document
recording fees
formation of business entities (corporations, limited liability companies, partnerships, etc.)

election returns
voter/voting statistics
candidate filings
campaign contributions lists

marriage license
notary public
fiduciary trust accounts

mental health commitments
land condemnation
eminent domain
name change
court calendar
hearings, decrees and orders
notices and publication
incapacitated persons
trust administration


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Best Immigration lawyer in Washington, DC #yelp,recommendation,san #francisco, #bay #area, #local,business,review,friend,restaurant,dentist,doctor,salon,spa,shopping,store,share,community,massage,sushi,pizza,nails,new


Best Immigration Lawyer in Washington, DC


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Excelsior College #bachelors #degree, #business, #management #human #resources, #degree, #degree, #earn


Management Human Resources

Human resources management gets more complex all the time. But there’s a simple way to get ahead in the HR profession: Earn a competency-based Bachelor of Science in Business (Management of Human Resources) from Excelsior College.

Built around current trends in human resources, this competency-based education (CBE) program at Excelsior allows you to earn your BS in Business through a personalized program of study that combines course-based learning, independent study, and earned external credits.

  • Course-based learning refers to Excelsior’s 8 or 15-week online courses in business, human resources, and other subjects that are directly informed by current trends in workforce development.
  • Independent study options help you pursue self-paced learning with study guides and practice tests before earning credit by exam. You can also simply test out of subjects you’ve already mastered.
  • Earned external credits are accrued through coursework completed at other institutions, military experience, college-level exams like CLEP and DSST, learning assessment, and workforce training and professional certifications completed before and/or during your enrollment.

Developed for career-oriented working adults, Excelsior’s business degree with human resources management concentration ends with a unique capstone that lets you demonstrate what you’ve learned through projects, simulations, and a summative exam.

Equivalent to a traditional business degree, this program gives you greater flexibility and efficiency through generous credit policies, while affordable tuition and low student fees keep your costs to a minimum .

  • Take flexible, online HR management classes that fit your schedule.
  • Transfer maximum credit for prior coursework from accredited colleges.
  • Get academic credit for professional training, military service, and experience.
  • Access financial aid, flexible payment plans, and other assistance that makes college more affordable.
  • Enjoy affordable tuition and fees. Find out how Excelsior will help you keep your costs to a minimum.

An Online Business Degree with On-Campus Quality

Excelsior developed its HR management classes with direct input from industry professionals. Our courses in the online bachelor’s in business concentrating in HR management program are led by faculty from top colleges across America, and we revise course materials regularly to reflect the most up-to-date HR management issues and trends. You’ll gain knowledge and skills that translate directly to the workplace, with expertise in:

  • Labor relations
  • Organizational behavior
  • Personnel administration
  • Cultural diversity
  • Negotiation
  • Labor law
  • Business communications

Excelsior’s BS in Business degree holds accreditation from the International Assembly for Collegiate Business Education.

As an Excelsior College baccalaureate-level business graduate you will be able to:

  1. Apply general and discipline specific concepts and methodologies to identify, analyze and solve business problems.
  2. Demonstrate an individual desire and commitment to remain current with and adaptive to changing business conditions through continuous learning and self-improvement.
  3. Demonstrate independent thinking, function effectively in team-oriented settings, and maintain a high level of performance in a professional business environment.
  4. Communicate effectively in a professional business environment.
  5. Perform ethically and professionally in business and society.
  6. Attain increasing levels of responsibility and leadership in one’s chosen career field.

We expect that as an Excelsior College baccalaureate business graduate you will be able to:

  1. Demonstrate comprehension of the principles of accounting, marketing, finance, management and economics.
  2. Demonstrate comprehension of the legal and social environment of business.
  3. Demonstrate comprehension of the global environment of business.
  4. Apply ethical considerations to the obligations and responsibilities of business.
  5. Apply business tools to real-world situations.
  6. Employ information literacy techniques.
  7. Communicate effectively, orally and in writing.
  8. Apply business concepts and functions in an integrated manner.

120 credits required. 60 in the arts and sciences, 54 in the business component (to include a minimum of 21 at the upper level of which 9 must be in the concentration), and 6 in the additional credit component (to include the 1-credit Information Literacy requirement).

Courses classified as upper level must be junior-senior level (300 – 400) and can be classified as a business core, concentration, and/or business elective course

See the credit requirements in chart form :

Excelsior College has received specialized accreditation for its business programs through the International Assembly for Collegiate Business Education (IACBE), 11374 Strang Line Rd. Lenexa, KS 66215; 913-631-3009; The IACBE is a specialized accrediting agency recognized by the Council for Higher Education Accreditation (CHEA). The business programs in the following degrees are accredited by the IACBE: Bachelor of Science in Accounting (NYS CPA track) and Bachelor of Science in Business.

IACBE Specialized Accreditation

Excelsior College has received specialized accreditation for its business programs through the International Assembly for Collegiate Business Education (IACBE), 11374 Strang Line Rd. Lenexa, KS 66215; 913-631-3009; . The IACBE is a specialized accrediting agency recognized by the Council for Higher Education Accreditation (CHEA). The business programs in the following degrees are accredited by the IACBE: Bachelor of Science in Business and Master of Business Administration.

SHRM Aligned

The Bachelor of Science in Business (Management of Human Resources) is aligned with the standards of the Society for Human Resource Management (SHRM) .

Associate and Bachelor’s Programs FAQ



Excelsior College
7 Columbia Circle
Albany, NY 12203-5159

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Washington, DC 20036





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Masters of Business Administration (MBA) – MBA #mba #programs, #gmat, #maasters


Masters of Business Administration (MBA)

A Masters of Business Administration, or MBA, is the postgraduate degree in business administration and one of the most popular degrees for incoming graduate students, according to the Council of Graduate Schools (based on 2010 data). MBA programs attract students from a wide range of disciplines, including education, hospitality and computer science. Executives in public education, nonprofit and for-profit enterprises and in the health care industry may all benefit from the scientific approach to management MBA courses provide. Earning a Masters in Business Administration can provide a range of skills and tools for graduates outside of the business world including the following:

Business Acumen: Running a business entails more than wearing a suit and tie. It involves understanding financial analyses and balancing the organization’s opportunity costs, both of which are taught in an MBA program. These skills can be valuable outside of traditional business environments, such as nonprofits or in education. Skills for running a successful business may help you keep costs down and ensure that the company stays within operational budgets and also prepare you to pull the plug on a project if it’s simply taking too long or not worth the time.

Leadership: An MBA program can impart the value of leadership and all its related aspects through a combination of training and internships. These programs may help teach you how to put your newfound leadership skills to use not only in day-to-day business operations, but in life outside of work as well.

Communication: An MBA program involves rigorous training, assignments, reports, presentations and group projects, all of which may provide you with the necessary communication skills to handle real-life business situations. The experiences you develop during the program have the potential to set you apart from others in your field.

Networking: The alliances that you form with your classmates may last a lifetime and the network that you create can be one of the most important and valuable things you take away from an MBA program. MBA graduates have said they often felt that the associations formed during the program were invaluable and could be drawn upon for years after they have earned their degree.

There are a number of MBA program specializations to choose from, including information security, operations management and accounting. Beyond the program specializations, there are also a number of different potential education paths you may take — full time, an executive program, distance learning or earning a double degree in two MBA focuses. There are many options, so it may be advisable to weigh the pros and cons of each according to your individual circumstances.

This site gathers the information for you with the goal of highlighting the various aspects of an MBA program so that you have the information to help you make an informed choice as well as be prepared for what to expect from business school and beyond.

Below you’ll find more information on what makes a good MBA candidate, what to expect during the Graduate Management Admissions Test (GMAT) and answers to frequently asked questions regarding various MBA programs.

General MBA Resources Provided On UNH MBA:

What is an MBA offers detailed information on what an MBA actually is, what the benefits of an MBA are and also discusses the popularity if MBAs programs within the Unites States.

MBA career opportunities discusses how an MBA can benefit your career and also offers details on the some of the career types that are well suited to those with an MBA under their belts.

The value of an MBA offers details on the skills that can be acquired through an MBA program, how these skills and this qualification can improve your career prospects and the financial value of having an MBA.

What makes a good MBA candidate provides information on what MBA institutions and programs are looking for in an MBA applicant, offers advice on submitting applications and tips for the MBA program interviews.

The Graduate Management Admission Test (GMAT) provides tips and information on the MBA entrance exam, detailing how the exam is assessed, the format of the test and the scoring structure of the GMAT.

GMAT study and test taking strategies provides a selection of invaluable study tips and strategies designed to help those taking or intending to take the GMAT.

How To Choose An MBA Program For You provides details on selecting the program that will meet your career needs. This covers considerations ranging from your expectations and physical circumstances to your finances and your lifestyle.

MBA FAQ covers a selection of commonly asked questions about the MBA program and process, enabling you to find out some basic details about MBAs at a glance.

MBA Programs:

MBA Programs offers information on some of the different types of MBA programs available today and discusses the methods of study used to take MBA courses. You can study for a wide range of MBA programs, from the general MBA to a dual MBA program with multiple specialties.

UNH MBA School Profiles – Find An MBA Program:


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Medical Bills Are the Biggest Cause of US Bankruptcies: Study #health


Medical Bills Are the Biggest Cause of US Bankruptcies: Study

Stigur Karlsson | E+ | Getty Images

Bankruptcies resulting from unpaid medical bills will affect nearly 2 million people this year—making health care the No. 1 cause of such filings, and outpacing bankruptcies due to credit-card bills or unpaid mortgages, according to new data. And even having health insurance doesn’t buffer consumers against financial hardship.

The findings are from NerdWallet Health, a division of the price-comparison website. It analyzed data from the U.S. Census, Centers for Disease Control, the federal court system and the Commonwealth Fund, a private foundation that promotes access, quality and efficiency in the health-care system.

“A lot of Americans are struggling with medical bills,” said NerdWallet Health Vice President Christina LaMontagne.

NerdWallet estimates that households containing 1.7 million people will file for bankruptcy protection this year.

Even outside of bankruptcy, about 56 million adults—more than 20 percent of the population between the ages of 19 and 64—will still struggle with health-care-related bills this year, according to NerdWallet Health.

And if you think only Americans without health insurance face financial troubles, think again. NerdWallet estimates nearly 10 million adults with year-round health-insurance coverage will still accumulate medical bills that they can’t pay off this year.

High-deductible insurance plans requiring consumers to pay more out-of-pocket costs are a challenge for many households.

“With an average American family bringing home $50,000 in income, a high medical bill and a high-deductible insurance plan can quickly become something they are unable to pay,” LaMontagne said. “If you have an out-of-pocket maximum of $5,000 or $10,000, that’s really tough,” he said.

The analysis of rising health costs is the first of its kind for NerdWallet.

Medical Bankruptcy by Age

Source: NerdWallet Health Analysis

Obamacare ‘Not a Panacea’

With millions buried under medical bills, more insured under the Affordable Care Act will not completely solve that problem, LaMontagne said. While the ACA’s reforms will indeed give more people coverage, NerdWallet’s data shows that millions of people with year-round, full coverage are still overwhelmed by medical bills, she said.

“I don’t think Obamacare is going to get rid of the situation,” LaMontagne said. “The data suggests that already-insured Americans are struggling. With the expansion of insurance, it doesn’t seem like that problem will go away entirely. It’s not a panacea.”

The number of medically related bankruptcies is slightly less than the rate of recent years. Despite the anticipated 2013 dip, such bankruptcies represent about three out of every five filings.

“A lot of Americans probably think about bankruptcy as coming from unpaid credit-card debt or mortgages,” LaMontagne said. “But the root cause of all those troubles may well be medical bills.”

Handling High Medical Costs Friday, 6 Feb 2009 | 10:16 PM ET

Not surprisingly, more than 11 million people will take on additional credit-card debt to cover mounting medical bills, LaMontagne said. Because credit cards often charge high interest rates for unpaid balances, debt only mounts, creating a vicious cycle for consumers.

Meanwhile, NerdWallet found, 1 5 million people will deplete their savings to cover medical bills. Another 10 million will be unable to pay for necessities such as rent, food and utilities because of those bills.

Skipping Prescription Medications

When their savings are gone and their credit cards are maxed out, stretched consumers take the drastic step of cutting back on prescription medications.

More than 25 million people are skipping doses, taking less medication or delaying refilling prescriptions to save money, NerdWallet found.

“That statistic is actually quite troubling,” LaMontagne said. Delaying needed medication is a short-term fix that only triggers more health problems in the long term, she said.


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Business VoIP Reviews and Ratings #business #voip, #voip #providers, #business #service


Business VoIP Reviews and Ratings

What Should I Look for in a Business VoIP Review?

Consumers should research and compare VoIP providers before signing up for a plan.

First off, we vet all our reviews closely. We adhere rigorously to our submission guidelines. so you can research with confidence.

That being said, there are still some things you should consider when reading reviews on business VoIP providers .

  1. How many reviews the provider has.
  2. The total number of stars.
  3. How the provider ranks over time.
  4. The individual ratings.
  5. Percentage of recommendations from users.

Most of the reviews are for Hosted VoIP providers. Hosted VoIP is the most common application of VoIP technology. With Hosted VoIP, a business owner leases access to a VoIP provider’s VoIP servers and calling network in exchange for being able to call on the phone. It is also sometimes referred to as Hosted PBX or Cloud Communications .

Since VoIP companies provide a service. it’s important to know how well they deliver. That’s why we’re here: to give you business VoIP reviews and hosted VoIP reviews from real VoIP users.

All VoIP Provider Reviews in One Location

VoipReview has Hundreds of user-submitted reviews to make comparing VoIP providers easy.

Older, more established providers have more reviews than newer VoIP companies. This doesn’t mean that the new companies are worse or that the old companies are better. That’s why we have included a graph of the user’s average rating over time for individual providers. This way, users can see how a provider has performed over time .

However, you can feel more comfortable with your decision should you choose a provider with more reviews – we understand this.

Using our user reviews can be a great way to get insider knowledge on providers. They’re also a great way through which you can share your VoIP experience. Be sure to contribute your review today!

How Are Reviews Compiled on VoipReview?

Users like you rate VoIP providers on sound quality, reliability, features, customer service, and price.

We allow users to rate and review their business VOIP provider with 5 criteria. We then combine these scores into one overall rating to spit out the overall star rating for each of the SIP-enabled, virtual pbx, or hosted VoIP review:

Basically, people have given their opinion of the providers in regards to these five categories. The higher the specific category is rated, the better that reviewers opinion of the VoIP company’s service. Makes sense, right?

Reviewers have the ability to add a ‘would recommend’ or ‘would not recommend’ suggestion to their reviews. On providers with many older reviews, these statistics can be a bit skewed; but on providers with newer reviews, these are a great, quick way to see our community’s overall opinion.

Write your own Business VoIP review

Contribute your VoIP experience today!

Do you have a personal experience to share about one of our VoIP providers? Let us know. Your reviews are used to rate these business VoIP providers, and help others make their VoIP selection.

Find the provider you’d like to review with our search function or by using one of our compare tables. Click on the “Review” links on the VoIP provider’s page and register your account – after that, add your review!

Please keep in mind that each user gets to add one review per provider.


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Government Small Business Loans #government #small #business #loans, #loans, #small #businesses,


Government Small Business Loans

Government small business loans help put your own business within reach. First there’s the quest for a decent location, then comes building a customer base, followed by all the initial hiccups of generating a cash flow before your business grows roots and gains momentum. The beginning of a business is crucial because it’s when you gain or lose market credibility. If you disappoint your customers, they may not give you a second chance. If your business gets off to a rocky start (most do), and you believe you can recover but need further financing to make this happen, you can apply for government small business loans.

Why Government Loans?

For-profit lenders are reluctant to issue loans to anyone who does not have a strong credit report and financial history. That is not the case with government small business loans. Obviously, a decent credit report is important, and you will have to follow the guidelines regarding the repayment period and the interest rate set by the government, but usually the interest rates charged by government loans are lower than those you could expect in the private sector.

More about Government Small Business Loans

Government loans are typically offered through banks and credit unions that partner with the Small Business Administration (SBA). The SBA is a U.S. government body, with the motive of providing support for small businesses and entrepreneurs. For each loan authorized, a government-backed guarantee offers serious credibility, since the lender knows that even if you default, the government will pay off the balance. These loans can be applied to a number of uses, such as:

  • Purchase of new equipment, machinery, parts, supplies, etc.
  • Financing leasehold improvements
  • Commercial mortgage on buildings
  • Refinance existing debt
  • Establishing a line of credit

Government small business loans benefit both small businesses and the lending agency. For small businesses, it is beneficial because this is money capital they may not have access too. For banks, the loan’s risk is decreased due to the loan being backed by the SBA.

Different SBA Government Loans

The SBA extends financial help through various lending programs it has to offer. Some of the more popular loans are:

  • 7(a) Loan Guarantee Program: aimed primarily in helping a small business start or expand its services. The maximum size of such a loan is $5 million.
  • MicroLoan Program: mostly used for short-term purposes, such as purchase of goods, office furniture, transportation, computers, etc. The maximum amount is fixed at $50,000.
  • 504 Fixed Asset Program: featuring fixed-rate and long-term financing, these loans are aimed at applicants whose business model will benefit their community directly, either by providing jobs or bringing needed services to an underserved area. Again, the maximum amount is $5 million.
  • Disaster Assistance: under this program, loans are sanctioned to renters or homeowners with a low-interest, long-term plan for the restoration of property to its pre-disaster condition.

In most cases, maintaining a good business credit report is enough to qualify. In addition, it instills confidence not only in the lender, but also in you. There is at least one SBA office in every state in America. If you contact them regarding the startup status of your business model and plan, you can get started on a government small business loan that will give you the financing to make your dreams a reality.

You just learned about: Government Small Business Loans Programs

For more information, check out this related resource: Funding a Business


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What are the requirements needed to obtain a business management degree?


What are the requirements needed to obtain a business management degree?

What are the requirements needed to obtain a business management degree?

Typically, this program is formatted to achieve a four-year bachelor degree with 120 semester hours to complete. Business degrees can be specialized, including finance, accounting, economics and other business related fields, but a business management degree will give you a solid, base foundation to prepare you for a wider job opportunity. In addition to the business courses, a BBA will teach you the skills needed in leadership, technology and character building.

Business management is such a versatile career, you should choose the path that best prepares you to achieve your career goals.

  • Associate s Degree: Earning a two-year associate s degree in business management can offer you opportunities to break into the world of business. While you are working your way through a company starting at the ground level, you may advance in the company by obtaining a bachelor s degree.
  • Bachelor s Degree: A four-year bachelor s degree, such as a BA in business management, is generally your best choice for many reasons as most employers are looking for positions requiring this four degree at a minimum. Obtaining a BBA will inevitably open doors to maximum career climbing potential.
  • Master s Degree: For top-level positions, you will definitely want to seek a Master s degree. Employers seeking candidates for senior level positions are looking for those with advanced degrees. Typically, this additional education requires an extra year or two of schooling beyond the bachelor s level. Achieving a master s degree may become an option offered to you by your employer to seek that top position in your existing company you work for.

For more information on which schools offer the Best Online Bachelor s of Business Management Degree Programs, please, click HERE!

And, furthermore, if you are looking for the best programs in obtaining a Master s degree online in Business Management, please, roam around this list of the Top 20 Online Master s of Business Administration Degree Programs for 2016

Browse our Resources

  1. Get started with our Frequently Asked Questions section.
  2. Looking for the perfect online option? Searching for the perfect brick and mortar degree program? Visit our All Rankings page!
  3. Dig deeper with our business management school rankings per state.
  4. Please, visit our Ranking Methodology page to see how we retrieve our data.
  5. Visit our Features page for information ranging from “Starving Students ” to “Startup Billionaires “.
  6. Have suggestions for our page? Contact us! We’d love to hear from you!


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Penn State Online #master #of #business #administration #tuition, #penn #state #online


Costs – Master of Business Administration


Tuition rates are assessed every semester of enrollment.

$1,185 per credit

The cost for the Online MBA program covers all tuition, residency lodging, and meals during the residency. Transportation to the residency is not included and is the responsibility of the student. There is no additional charge for non-Pennsylvania residents.

The information technology fee is assessed every semester and is automatically added to your semester bill:

  • 9 or more credits: $252
  • 5 to fewer than 9 credits: $189
  • Fewer than 5 credits: $86

Scholarship Opportunities

A few highly competitive merit-based scholarships are available to Online MBA students who have demonstrated extraordinary personal, professional, or academic achievements, or the ability to contribute a unique perspective to the class. Students who have been accepted to the program are automatically considered for merit-based scholarships. Because all applicants are automatically considered for a scholarship, you are encouraged to submit your completed application portfolio at least three months prior to the application deadline. Scholarship award decisions will be made by the Online MBA admissions committee.

Penn State Installment Payment Plan

Penn State offers a payment plan, which allows you to pay your tuition bill in installments over three months. This payment plan, as well as eCheck and credit card payments, is explained on the payment options page of the Penn State Office of the Bursar .

Third-Party Payments

Penn State World Campus accepts payments made by a third party your company, for example. If your company is paying for your tuition and fees, our World Campus and Continuing Education Bursar Office must receive an authorization to bill. An authorization to bill is a form from your company on letterhead and must include your name, semester of enrollment, company address, and payment amount. Once Penn State receives an authorization to bill, your employer has 30 days to make the payment.

World Campus Employer Reimbursement and Tuition Deferment Program

World Campus offers an employer reimbursement and tuition deferment program to students whose employers offer tuition reimbursement. The program allows you to defer your tuition payments until completion of the semester with no finance or interest charges. View the Employer Reimbursement Application for complete details.

Note: This program is under review for GI Bill eligibility, and you may experience delays attempting to use GI Bill benefits toward this program until it has been officially approved.


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Hall – s Plumbing – Woodland, CA – Water Heater Installation


Hall s Plumbing

Hall’s Plumbing was established in 1986, in Woodland, CA – Yolo County and is a business with Building Contractors and Plumbers on staff and specialized in Sinks, Trailers, Garbage Disposals, Leaks, Commodes and Stools. Hall’s Plumbing is listed in the categories Plumbing Contractors, Water Heaters Repair, Water Heater Contractors and Water Heater Installation +++ Repair and offers Gas Lines, Water Lines, Water Systems, Bathtubs, Faucets, Drains, Sewer Drains, Building, Commercial Services, Drain Cleaning etc. If you did business with Hall’s Plumbing, please leave a review and help us improve and help other people. Also, don’t forget to mention Hubbiz.

Plumbing Contractors, Water Heaters Repair, Water Heater Contractors, Water Heater Installation Repair

Sinks, Trailers, Garbage Disposals, Leaks, Commodes, Stools

Gas Lines, Water Lines, Water Systems, Bathtubs, Faucets, Mobile Homes, Remodeling, Toilets, Water Heaters, Pumps, Tubs, Residential, FAUCETS SINKS, WATER SAVING TOILETS, Showers Tubs

Drains, Sewer Drains, Building, Commercial Services, Drain Cleaning, Drain Repair, Estimates, Gas Systems, Inspections, Installations, Repairs, Repairs Maintenance, Residential Services, Sewer Lines, Sewer Repair, Sewer Systems, Showers, Alterations, Built, Business, Business Services, Clogged Drains, Drain Opening, Fixing, Home Improvement, Improvements, Modernization, Renovations, Repair Work, Residential Work

Professionals on Staff:

Building Contractors, Plumbers


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Business – The Basics of Branding #how #to #find #business #leads


The Basics of Branding

Branding is one of the most important aspects of any business, large or small, retail or B2B. An effective brand strategy gives you a major edge in increasingly competitive markets. But what exactly does branding mean? How does it affect a small business like yours?

Simply put, your brand is your promise to your customer. It tells them what they can expect from your products and services, and it differentiates your offering from your competitors . Your brand is derived from who you are, who you want to be and who people perceive you to be.

Are you the innovative maverick in your industry? Or the experienced, reliable one? Is your product the high-cost, high-quality option, or the low-cost, high-value option? You can t be both, and you can t be all things to all people. Who you are should be based to some extent on who your target customers want and need you to be.

The foundation of your brand is your logo. Your website, packaging and promotional materials–all of which should integrate your logo–communicate your brand.

Brand Strategy Equity

Your brand strategy is how, what, where, when and to whom you plan on communicating and delivering on your brand messages. Where you advertise is part of your brand strategy. Your distribution channels are also part of your brand strategy. And what you communicate visually and verbally are part of your brand strategy, too.

Consistent, strategic branding leads to a strong brand equity, which means the added value brought to your company s products or services that allows you to charge more for your brand than what identical, unbranded products command. The most obvious example of this is Coke vs. a generic soda. Because Coca-Cola has built a powerful brand equity, it can charge more for its product–and customers will pay that higher price.

The added value intrinsic to brand equity frequently comes in the form of perceived quality or emotional attachment. For example, Nike associates its products with star athletes, hoping customers will transfer their emotional attachment from the athlete to the product. For Nike, it s not just the shoe s features that sell the shoe.

Defining Your Brand

Defining your brand is like a journey of business self-discovery. It can be difficult, time-consuming and uncomfortable. It requires, at the very least, that you answer the questions below:

  • What is your company s mission?
  • What are the benefits and features of your products or services?
  • What do your customers and prospects already think of your company?
  • What qualities do you want them to associate with your company?

Do your research. Learn the needs, habits and desires of your current and prospective customers. And don t rely on what you think they think. Know what they think.

Because defining your brand and developing a brand strategy can be complex, consider leveraging the expertise of a nonprofit small-business advisory group or a Small Business Development Center .

Once you ve defined your brand, how do you get the word out? Here are a few simple, time-tested tips:

  • Get a great logo. Place it everywhere.
  • Write down your brand messaging. What are the key messages you want to communicate about your brand? Every employee should be aware of your brand attributes.
  • Integrate your brand. Branding extends to every aspect of your business–how you answer your phones, what you or your salespeople wear on sales calls, your e-mail signature, everything.
  • Create a voice for your company that reflects your brand. This voice should be applied to all written communication and incorporated in the visual imagery of all materials, online and off. Is your brand friendly? Be conversational. Is it ritzy? Be more formal. You get the gist.
  • Develop a tagline. Write a memorable, meaningful and concise statement that captures the essence of your brand.
  • Design templates and create brand standards for your marketing materials. Use the same color scheme, logo placement, look and feel throughout. You don t need to be fancy, just consistent.
  • Be true to your brand. Customers won t return to you–or refer you to someone else–if you don t deliver on your brand promise.
  • Be consistent. I placed this point last only because it involves all of the above and is the most important tip I can give you. If you can t do this, your attempts at establishing a brand will fail.


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Microsoft Dynamics NAV Partner in Melbourne #business #payroll #systems


Evolution Business Systems

A whole of business solution tailored to your needs

Evolution Business Systems (EBS) is a Microsoft Gold ERP Partner and business management software specialist that equips its clients with software designed to achieve their business goals.

With expertise in leading financial applications, EBS offers small to medium sized businesses a complete, fully featured, whole of business solution that can meet their needs with Microsoft Dynamics NAV, O365, Power BI, Dynamics CRM and Microsoft Dynamics 365. It’s available for deployment on Microsoft’s own Cloud servers Azure and packaged at an affordable monthly subscription price.

EBS do more than just financial solutions. EBS specialises in business solutions that free you up to focus on managing your business. EBS does this by automating your core business processes and integrating your specialist business applications with the right business management solution.

Microsoft Dynamics Nav

    People can work faster in familiar programs A powerful yet cost-effective solution Can be tailored for your company The security of using a MS product

Cloud Easy

    Perfect for small to medium sized businesses Flexibility to get things done faster Low risk option, no lock in contract Affordable monthly subscription price

Payroll Easy

    Simple Cloud payroll solution Easy to use, not short on power Self-service portal for employees SuperStream compliant

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Our monthly e-newsletter contains the latest in product information from Microsoft Dynamics NAV, industry updates, valuable and informative blog posts and videos and special offers.

Recent Posts

Blog News Paul Woods, Managing Director and founder of Evolution Business Systems has recently written a guest blog post for the website Read More

News It s only 5 weeks to go to the Run Melbourne event and I thought it was time for an update. Read More

Blog Saving your filters on the NAV Navigation Pane is easy with the “Save View As” function in Microsoft Dynamics NAV 2013 Read More

Blog To recognise revenues and expenses in different periods against a transaction posting period, Microsoft has presented a new feature in Read More

What Our Clients Say

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The NAV system offers incredible flexibility as well as the ability to customise the system based on our business and client’s needs. EBS efficiently and promptly implemented every change or adoption we asked for. EBS also provided an abundance of assistance and training throughout our implementation. Nothing was too much trouble for them.

At Melba we listen to what our clients want and we help them make choices in their lives – Microsoft Dynamics NAV helps us do that. We decided to go with Evolution Business Systems because they were a reputable and local company. We found EBS to be very professional, easy to work with and I liked that they would listen to us. They helped us find solutions for our requirements – nothing was too hard for them. We’ve enjoyed working with EBS.

EBS has been very flexible through the development and implementation process. Their staff have worked hard to understand and meet our needs, and we are confident we now have a much improved system for funding and financial reporting.

The support, dedication and professionalism shown by EBS during the transition period was exceptional. No stone was unturned hence we had a smooth transition. The post implementation training got us going from day one without any issues. Nothing was too hard or impossible.

EBS have worked beside us and taken the necessary time to understand how our business operates. They have provided solutions which assisted us in running our business more efficiently. We really appreciate their hands on support. We are a New Zealand based company and received more and quicker support from EBS in Australia than the IT company we were dealing with on the other side of town. We highly recommend them.

I couldn’t be more satisfied with the decision we made to move to EBS, love working with the guys, the support’s excellent … EBS is agile, nimble and willing to please and it makes you feel like you’ve got that support behind you.

The NAV system offers incredible flexibility as well as the ability to customise the system based on our business and client’s needs. EBS efficiently and promptly implemented every change or adoption we asked for. EBS also provided an abundance of assistance and training throughout our implementation. Nothing was too much trouble for them.

NAV enables us to manage project expenditure more effectively than what other solutions seemed to offer. EBS put a lot of time into the upfront understanding of what we wanted. They have been very helpful, assisting us with the development and understanding of our needs for the system.

EBS has been great to work with and delivered the NAV project on budget and one month earlier than first planned. Due to a concerted team effort on both sides and a sound, structured implementation methodology, the project achieve a best-case ‘go live’, which reduced the original implementation time by one third. This significantly reduced the disruption of the changeover and gave us access to a better system quicker.

EBS are a very good business to work with. They respect your business and their approach is more as a partner not just treating you as a customer. We are always kept up to date with new ideas and products and they keep us in the loop with regard to anything which may directly affect us.

Evolution Business Systems (EBS) is a Microsoft Gold ERP Partner and business management software specialist in Melbourne that equips its clients with software designed to achieve their business goals. With expertise in leading financial applications, EBS offers small to medium sized businesses a complete, fully featured, whole of business solution with Microsoft Dynamics NAV, Office 365, Dynamics CRM and Microsoft Dynamics 365.

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APMP Professional Certification Program – Association of Proposal Management Professionals #proposal


Become APMP Certified

APMP offers the world’s first, best and only industry-recognized certification program for professionals working in a bid and proposal environment. APMP certification is the global standard for developing and demonstrating proposal management competency. Achieving APMP certification:

  • Demonstrates a personal commitment to a career and profession.
  • Improves business development capabilities.
  • Creates a focus on best team practices.
  • Gains the respect and credibility of peers, clients and organizational leaders and, in some cases, additional compensation.
  • Reinforces bid/proposal management as an important role within an organization and not as an ad hoc function that anyone can perform.

Your APMP Certification Plan

See which level of APMP Certification you can achieve, based on your industry experience. Each level builds on the prior level, and everyone must start at Foundation before advancing to Practitioner and Professional.

You Should Have

Proposal professionals with 1 to 3 years’ experience

Demonstrates an extensive knowledge and understanding of best practices.

Proposal professionals with 3 to 7 years’ experience

Pract itioner Certification

Demonstrates a mastery of how to apply best practices and lead others in their use.

Proposal professionals with 7 or more year s’ experience

Demonstrates significant contributions to an organization and/or the profession, as well as proven leadership and communications skills.

APMP Certification Levels, Exam Types and Costs

Each level is assessed in a different way, requires a minimum level of experience, and uses a process of examination and competency-based assessment, which is consistent and measured against worldwide best practice standards 1, 2 .

Type of Assessment

* As of June 2016

Register for APMP Certification

Click here to register and pay for the APMP-Foundation™ Level Examination.
Click here to register and pay for the APMP-Practitioner™ Level Assessment.
Click here to register and pay for the APMP-Professional™ Level Assessment.

1 The 2002 APMP Benchmark Study and the Business Development–Capability Maturity Model (BD-CMM) are the basis for the international Bid/Proposal Manager competency standards. Capability Maturity Model and CMM are registered trademarks of the Carnegie Melon Software Engineering Institute

2 The APMP Certification program is administered by The APM Group Ltd. for APMP. The APM Group is a leading Accreditation, Certification and Qualification organization recognized internationally by government agencies.

Additional General Certification Information


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ALL Associates Group #business #intelligence #associates #inc


You could get a reasoned estimate of the size and cost of document activity for any company, in any industry, anywhere in the world in 5 minutes?

You can with EDAM

Read more

  • Document Experts Industry experience of over 15 years We’ve been shaping the field of Enterprise Document Management since 1997, using innovative, predictive analytic tools such as our patented EDAM system. Major vendors and channel partners have come to rely on our data, models and methodologies to support their own sales and marketing activities.

    ALL Associates Group provides predictive modeling solutions using targeted business intelligence, statistics, and data mining

    Click here for our End User product offerings and consulting services that will identify waste and optimize your document system.

    Accuratly uncover hidden costs, and savings potential, enabling your clients to visualize the full advantage of your MPS services.

    Our database products and tools offer unprecedented insight into global organizations. Empowering your sales force with competitive intelligence.

    About ALL Associates Group

    ALL Associates Group is internationally recognized as an industry leader in predictive modeling and data analytics. We have supported the ever changing needs of major industry manufacturers, channel dealers and global end users over the past 15 years. ALL Associates Group’s EDAM can rapidly expose an organizations underlying business process systems costs and savings opportunities.

    Client testimonial

    We have found AAG and their tools to be a unique differentiator in developing client specific sales strategies, arming us with the data needed to address client requirements and the ability to accurately project the resulting impacts across their enterprise when our solutions are deployed.


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  • Why Study Business Administration #college #of #business, #business, #florida #tech


    Why Study Business Administration

    Business Administration

    Why Study Business Administration at Florida Tech

    We define business administration as the efficient utilization of all business resources—including new ideas, goods and processes—toward the dual goals of enhancing profit and creating a better society. Our approach to teaching is both conceptual and practical. You’ll learn insights from the wisdom of past and present scholars, but you’ll also apply these ideas to real-world business scenarios, including ventures you’ll help orchestrate. Most of our faculty have business consulting or business management experience and bring their case examples and applied research into the classroom.

    The “IDEAL” Advantage

    Innovation, Diversity, Ethics, and Leadership (IDEAL)

    Empowering Future Entrepreneurial Leaders to Manage Innovation and Change

    When we’re asked why study business administration at Florida Tech, we say experiential learning. You might work on a project with students from other universities around the world or help solve a business problem for a local company. You will gain valuable experience through the Major Field Practicum. and you might even start your own business with the guidance of an experienced mentor. So why study business administration at Florida Tech? Because you can build valuable résumé experience, participate in intercollegiate case competitions. study abroad. collaborate with international peers on the X-Culture Project, contribute to research work, start your own business and learn from industry experts. When you study business administration. you will learn to manage change, create value and identify opportunities to innovate in uncertain, technology-driven business environments and graduate ready to think critically, creatively and strategically. In short, you will learn to be a leader.

    Studying business administration is a subject best learned by doing, and that’s exactly how it is taught here. Whether you spend your time working with an actual company, starting your own business or contracting as a consultant, you will walk out of Florida Tech with the confidence to take on the business world.”

    – Alex Vamosi, Ph.D.

    You’re Hired!

    What exciting companies have said “You’re HIred” to our graduates?

    Click below for full details on getting you bachelor’s degree in business administration at Florida Tech.


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    Top 10 Colleges and Universities for Finance – Financial Management #business


    Top 10 Best Finance & Financial Management Schools in the Country

    There are somewhere around 37,870 people persuing a degree in Finance & Financial Management every year. This makes it 13th most well liked out of 389 college majors in our database.

    With a ranking of 31 out of 121 total majors when it comes to possible income, Finance & Financial Management graduates make around 8.0% more than the average college graduate. To be specific, Finance grads record average starting career earnings of $44,855 and mid-career pay of $81,387 .

    A round-up of the greatest Finance & Financial Management colleges.

    The following list ranks the best colleges and universities in the U.S. for a Finance & Financial Management degree. Our ranking methodology takes into account factors such as education quality, average earnings of graduates, accreditation, and several other relevant factors.

    Showing college(s) sorted by

    All US Colleges

    Any student who is interested in Finance & Financial Management has to check out Georgetown University. Finance majors from Georgetown University receive an earnings boost of about 43.8% over the typical income of finance & financial management majors. Situated in Washington, District of Columbia, this school is a very good choice for students who enjoy the excitement of a large city.

    Political science & government is the most well-attended program at Georgetown University. If you want to major in political science & government, Georgetown University is an excellent choice since it has one of the greatest political science degree programs in the country. Get a better idea of what student life at Georgetown is really like by viewing a few campus videos.

    Explore the best colleges in the area

    Students that went to this school also considered:


    Get Started




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    Cloud Computing for Small Business – GCInfotech IT Solutions #cloud #it


    Cloud Computing for Small Business

    “The Cloud” has become a confusing and misunderstood technological development for most small business owners. The term has become overused and spans a number of different services and applications. What’s surprising is despite the ubiquity, availability, reliability and affordability of Cloud solutions, many small business owners are still not making the move. From what we hear, there is still a great deal of confusion and misunderstanding about how cloud computing can fit small business and be cost efficient.

    Larger businesses use the Cloud everyday for common services. Software as a Service, or SaaS, is the most common form of software utilization. With the Cloud model, there is not installation on the user end and the user never actually owns any software: rather than buying a product, the company is renting a service. The number of cloud-based services in the marketplace is massive – and in many cases, small businesses are already using one of these services and may not even be aware that they fall into the cloud service category.

    One of the issues related to cloud based services for small businesses is that the typical small business model for IT support does not best suit a drastic move to newer platforms. Most small businesses still rely on localized, or hard-drive/server-based storage and data programs coupled with a full or part time in-house IT person. This set up does not provide them with sufficient knowledge or resources to make a move into a cloud-based IT environment. While cloud services have become common-place, making the initial switch can be a complex undertaking that requires the help of an outside expert.

    So, what are the benefits to small businesses? There are many:

    1) Low Maintenance: With Cloud services, there is no internal technology to worry about. Much like renting a car, the maintenance, repairs and breakdown assistance are all taken care of by the rental company. The same dynamics apply to cloud services: when a customer signs up, he should be able to use the software without concerns related to maintenance, updates or security. Additionally, there is no need for storage or other investments that downloadable software programs typically require. All of these issues are taken care of by the service provider.

    Also, with Cloud services, small business owners can offset the operational IT work to someone outside of the organization. This puts the onus on the cloud provider for service, upkeep, and costs – and away from the business, which is a where it should be. Cloud computing outsources the technology, reduces the risks and unexpected expenses associated with your in-house IT.

    2) Financial Benefits: The financial benefits from The Cloud are by far the best. Returning to our earlier car rental analogy, purchasing your own vehicle requires a large upfront investment. In this model, the amount of usage is not applicable to the cost. If you only use your car two times a week, you pay the same price as someone who uses the car every single day. Plus you don t get your full investment back even if you sell the car to someone else. Vehicles depreciate as newer; better models come into the marketplace. So as time passes, you own an old car that is outdated, and has accumulated usage and damage that will require repair. A rental car, however, is always a current model, and only incurs a charge when it is needed and used.

    This is the same with cloud services. In the vast majority of cases, there is no upfront fee. Most services charge a manageable, predictable, flat rate monthly fee per user for the software. This allows users to scale up or down as their business requirements dictate. This also allows for easy scalability. As companies take on new staff, it’s simply a matter of switching on a new license to extend to a new user, and similarly turn off the switch when you scale down.

    Like the car rental analogy, you will always be using to the latest, greatest version. And those upgrade are seamless. As new versions or upgrades to a service are released, they can be instantly made available to all subscribers, allowing access to the best in class tools – keeping your business competitive.

    Work from anywhere: Locally installed software that runs only on a computer hampers ones ability to work remotely. In today’s digitally connected world, having access to your services from any location is a must-have option. Today s small business owners work from hotels and airport lounges as well as the office. Cloud services offer 24-hour access from any internet-connected location.

    Collaboration and Communication: Cloud services offer another unique benefit in the way of collaboration enablement and more effective communication. Most if not all Cloud services allow real-time workflows that let multiple users view the same file, document, presentation or spreadsheet at the same time. This aspect of the cloud is one of the most important developments in the last 5 years. Now, companies, via cloud-based tools, can get things accomplished in hours instead of weeks.

    Crisis and disaster recovery: Security measures are costly. One great benefit of the cloud is the economies of scale that the service provider can pass on its customers. Any good cloud provider will have invested heavily into security and crisis control – far greater than any small business can ever afford. The nature of their business demands that they store your valuable data securely – so they invest heavily into these aspects of the business.

    Is cloud computing secure?

    Security seems to be the biggest concern among the uninitiated. This is understandable for small businesses that are not accustomed to storing their data with a third-party service provider. Smaller companies who have traditionally kept their files on their own servers in their own offices often feel that the idea of securing their valuable information with another unknown party is dangerous. The security and crisis management aspects of cloud services are one of the key benefits and most of the service providers worth their salt invest very heavily in security measures. Putting your business-critical information in the hands of a third party requires trust. The same principals apply when vetting any service. Credentials and brand trust is key. There are many smaller software providers sometimes based in countries which may have lax legal requirements should things go wrong. They may charge a great deal less, but have a hard time providing the necessary credentials. So buyer beware. Stick to proven, established companies who may charge more – but warrant that premium. You would rather rent a car from Hertz than Bob’s Truck Shack.

    Time to Get Your Business into Cloud Computing Services. GCinfotech is your Cloud Computing Company Servicing NYC, CT and NJ. With our IT Support, it’s a simple, cost-effective and totally scalable IT infrastructure that also provides 24/7 support as part of a monthly program. Using the power of the Web, our cloud computing management services provide the IT hardware, software, and data backup you need to keep your your company running safely and efficiently. Contact GCInfotech cloud professionals today.


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    Occupational – Business Licensing #business #schools #in #philadelphia


    Occupational Business Licensing

    Electronic Lien Title

    Participation in Nevada’s Electronic Lien Title (ELT) system is mandatory as of July 1, 2017. Dealers are required to place a lender’s ELT number on the EDRS and title paperwork. The DMV will no longer process non-ELT titles as of September 1, 2017.

    Any business that finances vehicles must become an ELT lender. See Electronic Lien and Title.



    • Report of Sale Extension Request (OBL 275)
      An Occupational/Business Licensing Technician may approve the first and second request for an extension of time on a Dealers Report of Sale. A request for a third extension must be referred to a Compliance Enforcement Investigator for approval. Please allow additional time for a third approval response.
    • Canceled Sale Disclosure Form (OBL 315) – Legal Size
      To notify buyers of new terms offered after a sale is canceled.
    • Authorization to Release Title (VP 257)
    • Application for Temporary Location License (OBL 261)
    • Business License Plate Application (OBL 239)
    • Lost License Plate and Registration Certificate Affidavit (OBL 238)
    • Letter of Authorization (OBL 276)
      Authorizes specific employees to pick up license plates, decals, titles or DMV supplies.
    • Application for Private Bidder Identification Card (OBL 250) | Information (OBL 257)
      To authorize private individuals to purchase salvage vehicles.
    • Private Bidder Sale Report (OBL 258) – Legal Size
      Excel spreadsheet for salvage pools to report sales to private parties.
    • Consignment Auction Emission Exception (EC 38)
      For auctions to notify the buyer that he or she is responsible for an emission inspection.
    • Application for Expedited Processing/Shipping of Nevada Title (VP 265)
      To expedite title processing and/or shipping for additional fee(s). All Nevada titles are issued by mail from Carson City.
    • Electronic Lienholder Reassignment Affidavit (VP 268)
      Assigns lienhollder rights on electronic titles.

    Salesperson Licensing Top ↑

    License Surrender. When a salesperson is terminated, the dealer must surrender that person’s license to the DMV within 10 days.

    Chapter 482 – Motor Vehicles and Trailers: Licensing, Registration, Sales and Leases


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    Skype for Business Server 2015: Install prerequisites, business prerequisites.#Business #prerequisites


    Install prerequisites for Skype for Business Server 2015

    Summary: Learn about the servers and server roles you must configure before you install Skype for Business Server 2015. Download a free trial of Skype for Business Server 2015 from the Microsoft Evaluation center at:

    Installing prerequisites consists of setting up Windows Server by installing the required roles and features on each of the servers in the topology. The requirements are based on the role the server will fulfill in the topology. You can do steps 1 through 5 in any order. However, you must do steps 6, 7, and 8 in order, and after steps 1 through 5, as outlined in the diagram. Installing prerequisites is step 1 of 8.

    Business prerequisites

    Skype for Business Server 2015 requires the Windows Server operating system and a number of prerequisites before it can be installed. For details on planning for prerequisites, see Server requirements for Skype for Business Server 2015.

    Business prerequisites

    Watch the video steps for install prerequisites:

    Business prerequisites

    Open Server Manager, and click Add roles and features.

    Read the Before You Begin page to familiarize yourself with installing roles and features in Windows Server, and then click Next.

    Select Role-based or feature-based installation, and click Next.

    Select the server on which you will be installing Skype for Business Server 2015, and click Next.

    Select the Web Server (IIS) role, and when the required features window pops up, click Add Features, and then click Next.

    Select the following features, which are required by Skype for Business Server 2015.

    .NET Framework 3.5 Features

    .NET Framework 3.5 (includes 2.0 and 3.0)

    .NET Framework 4.5 Features

    Remote Server Administration Tools

    Role Administration Tools

    AD DS and AD LDS Tools

    Windows Identity Foundation 3.5

    Click Next to continue through the wizard.

    Read through the notes about the Web Server Role (IIS), and then click Next.

    Select the following Web Server (IIS) role services.

    Common HTTP Features

    Health and Diagnostics

    Static Content Compression

    Dynamic Content Compression

    Client Certificate Mapping Authentication

    .NET Extensibility 3.5

    .NET Extensibility 4.5

    IIS Management Console

    IIS Management Scripts and Tools

    Click Next to continue through the wizard.

    Review the installation selections to make sure all requirements are selected, and then click Install.

    It is important that you have the latest updates from Windows Update. If you are not connected to the Internet, you will need to manually install all relevant updates as well as any prerequisites to the required updates.

    When the dialog box indicates that the installation has completed, you will need to reboot the server to complete the process.

    Run Windows Update again to check if there are any updates to the roles and services that were installed.

    If you will be using Skype for Business Server Control Panel on this server then you must also install Silverlight. To install Silverlight, see Microsoft Silverlight.

    The prerequisites can be installed by running the following PowerShell command. Note that the command looks for source files in a specific order. If you are online, the command accesses Windows Update. However, if you are offline, you need to make sure the source files are available to the command. For more information about using PowerShell to install roles and features, see Install or Uninstall Roles, Role Services, or Features and Install-WindowsFeature. Don’t forget to run Windows Update again after you install prerequisites, even if you use the PowerShell command.


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    Time Management: One-Year M #business #schools,careers #and #professions,hiring #and #promotion


    Time Management: One-Year M.B.A.s

    Cornell’s Johnson School of Management enrolled its largest one-year M.B.A. class this year, and has started a new program on the digital economy at Cornell Tech in New York City. Credit Heather Ainsworth for The New York Times

    Streamline, accelerate, graduate. Educators have been scurrying to figure out how to cut short just about every field of professional study, be it law, medicine or business.

    Graduate business programs were first truncated in Europe in the late 1950s, half a century after the two-year degree was introduced by Dartmouth. But one-year M.B.A.s are only starting to catch on in the United States with cost- and time-conscious students.

    Donato Wilkins started a graduate program in May 2013 at Emory’s Goizueta Business School and is already headed toward a new job in mergers and acquisitions at PricewaterhouseCoopers. “I did the math, and the return on investment for the one-year program was much higher than for the two-year program,” said Mr. Wilkins, who had worked three years in corporate finance at Xerox and Newell Rubbermaid but wanted to get into a more exciting slice of finance. He considered both savings on tuition and the additional income from starting a job with an M.B.A. salary one year earlier.

    He believes this: “You get the exact same benefit as the two-year program — the same professors, the community, the G.B.S. network, all the on-campus resources and Goizueta brand — in less time and for less money.”

    Enrollments are up 26 percent for Goizueta’s program over last year. Cornell enrolled its largest one-year M.B.A. class on its Ithaca campus this year, and has opened a new program focused on the global digital economy at Cornell Tech in New York City. A long program was a concern when designing an M.B.A. for techies, said Douglas M. Stayman, associate dean for M.B.A. programs at Cornell’s Johnson School of Management. “The tech economy moves quickly, and if people are out of it for a long time, it’s an issue.” (The one-year M.B.A. runs about $93,000 versus $116,000 for the two-year.)

    The Graduate Management Admission Council counts 189 one-year programs, compared to 173 four years ago, and 55 percent of them have reported increases in applications over last year.

    Proponents say a year is sufficient for students with strong quantitative or analytical skills who are willing to clear their schedules to study. Typically, students start in May, and cram in almost a year’s worth of foundational business classes in four months. In September, they fall in with students who are in their second year of a traditional program, taking elective classes, joining industry-related and cultural clubs (essential for network-building), participating in case competitions and interviewing at companies. Students in the one- and two-year programs graduate as a class, with the same degree, the following May.

    Some schools let students go even faster. The University of Florida’s Hough Graduate School of Business. for example, runs a 10-month M.B.A. for students who graduated with an undergraduate business degree within the previous seven years.

    The pace of the one-year degree — essentially completing three-quarters of the academic credits of a two-year degree in half the time — can limit the appeal. “One-year is for people who are accelerating their careers, not changing their careers,” Mr. Stayman said. “You don’t have time to do career exploration.”

    Employers interview during the fall, so students with five months of M.B.A. study under their belts are competing with students with 15 months, including an internship. One-year students need to have enough of a career history to make the case that they don’t need that internship.

    The positive spin, said Alex Sevilla, assistant dean and director of Florida’s M.B.A. programs: “A student can say to a recruiter, ‘I voluntarily chose the one-year program, and that gives you some indication of my horsepower.’ ”

    According to G.M.A.C.’s 2013 student poll, fewer job seekers from one-year programs (53 percent) had received offers by March than had students in the final year of two-year programs (61 percent). While one-year students reported an average 70 percent increase over pre-M.B.A. earnings, their earnings boost was 9 percent lower than what two-year students reported.

    There are other drawbacks. Students don’t have time to spend a semester abroad. They forfeit some electives. They can join clubs but can’t lead them (presidents are picked the spring before they arrive). And elite business schools like Harvard, Wharton and Stanford don’t have one-year M.B.A.s. “We haven’t felt comfortable offering a one-year M.B.A. here,” said Madhav Rajan, who oversees Stanford’s full-time M.B.A. program. “I think there would be huge demand if we ever went that route, but given the content we want to disseminate, that’s not something we’ve pursued.

    “You get to know your classmates and interact with your professors over two years,” Mr. Rajan said. “The whole notion of our M.B.A. is that it’s a transformative experience.”

    Samantha Stainburn is an education writer in New York.

    A version of this article appears in print on August 3, 2014, on Page ED26 of Education Life with the headline: Time Management. Order Reprints | Today’s Paper | Subscribe


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    Compare Business Structures – LLC vs #business #structure, #business #structures, #business


    What would you like to talk about?

    Welcome back

    What would you like to talk about?

    Welcome back

    What business type is right for you?

    When you re starting a new business, you want to determine the business structure that s right for you. What s the difference between a limited liability company (LLC) and a corporation (Inc.)? And how is a C corporation different from an S corporation? Use these charts to help decide what business type is best for your needs.

    LLC vs. Corporation

    Limited Liability Company (LLC)

    Shields personal assets from business liability

    Requires separation of business and personal finances

    Allowable in all 50 states and the District of Columbia

    Highly flexible management structure

    Flexible tax reporting options

    Preferred by outside investors

    Preferred for IPO

    Recognized outside of the United States

    Corporation (Inc)

    Shields personal assets from business liability

    Requires separation of business and personal finances

    Allowable in all 50 states and the District of Columbia

    Highly flexible management structure

    Flexible tax reporting options

    Preferred by outside investors

    Preferred for IPO

    Recognized outside of the United States

    Start my Corporation

    What is an S corporation?

    After you create a corporation or LLC. you also have the opportunity to decide how you d like your business to be taxed.

    Single owner LLCs can be taxed either as a sole proprietorship or a corporation. LLCs with more than one owner can be taxed either as a partnership or a corporation. Income from LLCs treated as sole proprietorships or partnerships is reported directly on the owner s individual tax returns.

    New corporations, as well as LLCs considering corporate taxation can choose between filing taxes as a C corporation ( C corp ) or an S corporation ( S corp ). An S corp is considered a pass-through entity, which means the business itself isn t taxed. Instead, income is reported on the owners personal tax returns. Businesses taxed as C corporations are not pass through entities. Income is taxed at the corporate level, and, if dividends are distributed, at the individual level as well.

    We can help you understand your options so you choose what s best for your business. Talk to one of our network of attorneys today.

    C-corp or S-corp

    Here s a comparison of some key characteristics of businesses that choose to be treated as C corps and S corps.

    C Designation

    Owners pay personal income tax on profits

    Business must pay corporate income tax

    All business income/loss is passed through to owners each year.

    No more than 100 shareholders

    Shareholders must be U.S. citizens or resident aliens

    S Designation

    Owners pay personal income tax on profits

    Business must pay corporate income tax

    All business income/loss is passed through to owners each year.

    No more than 100 shareholders

    Shareholders must be U.S. citizens or resident aliens

    You don t have to decide about S corp status right away. You have 75 days after the formation of your business to file with the IRS. If you re still not sure what to do, you may want to consult with one of our attorneys or tax specialists .

    Step-by-Step Guide on Starting Your Business

    Easy as 1-2-3

    Ask away. We have answers.


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    Big savings in a small package at Discount Duluth #small #business


    Big savings in a small package at Discount Duluth

    It’s a big-box store in a little package.

    Wait, no — it’s a small startup with big deals.

    How about the actual tagline of the newly opened Discount Duluth at the Spirit Valley Shopping Center: “Big box store selection. Closeout prices.”

    The West Duluth retailer opened Saturday with a smattering of clothes, dishes, toys and more across brands more commonly found in Wal-Mart, Target and elsewhere.

    “We’re an off-price retailer,” co-owner Joel Elling said. “Almost all the inventory is new, and all of our stuff is 20 to 75 percent off the market price.”

    In the cozy space at 215 N. Central Ave. nearly the entire selection can fit in your view from the entrance. But blink and you’ll miss it.

    “If you see something you like, grab it fast, because it might be something different next time,” Elling said.

    Like a farm-to-table restaurant, the menu of overstock and box-damaged merchandise is likely to change daily. So while there are always pots and pans, the brands and savings will differ.

    “We try to restock daily, instead of having things on shelves for years,” Elling said.

    Discount Duluth took the uncommon route from ecommerce to brick-and-mortar, though it had been the plan all along. Elling founded the store with his brother, Reed Elling, and Zack Graves as a way to kickstart the neighborhood’s economy.

    “We grew up in West Duluth up the hill from here in a low-income family. We rode our bikes to Kmart,” Reed, 28, said. “We wanted to be part of the revival of West Duluth.”

    The Ellings were selling discounted goods nationally and globally online before landing at the Spirit Valley Shopping Center a few doors down from Kmart. While business was good, they wanted to do better.

    “While doing that, we always had a heart for a local presence,” Joel, 26, said. “Being exclusively ecommerce, that just wasn’t going to happen. We want to open a business modeled on our desire to help the community.”

    The space had sat vacant for a year — it was previously a print shop — and took about a month to rehab into the outlet customers see today.

    “It had to be West Duluth,” Joel said. “Our ideal location is five to six times larger than this, but a small business has to start small.”

    The future of Kmart in West Duluth has been in question as the company’s stores have been closing across the country in recent years. If the shopping center’s anchor were to close, would Discount Duluth be able to take its place?

    “If Kmart goes out of business, we would take it over,” Reed said.


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    Home, Auto & Flood Insurance – Fort Myers FL #insurance, #auto


    Choosing the right auto insurance is the key to keeping you and your car safe on the road in the event of an accident or other vehicle damage.

    Home Insurance

    Look after your biggest investment and everything in it with a proper policy that ensures its protection in the event of an accident or natural disaster.

    Other Personal Insurance

    Keep your confidential information and personal assets secure with extended coverage options including personal umbrella insurance.

    Life Insurance

    Provide your family with the security they deserve in the event of your passing with a life insurance policy that meets your financial and personal needs.

    Recreational Vehicle Insurance

    Insure your freedom for adventure with a recreational vehicle policy that covers everything from your boat and RV to your ATV or motorcycle.

    Additional Insurance Services

    Take care of all your specialty insurance needs and other services with extended policy options for your convenience and satisfaction.

    Coverage for Specific Industries

    Industry-specific risks make it impossible for insurance companies to lump together one insurance plan for every business.

    Coverage for Your Business

    We’re committed to keeping your business protected so you can focus on your day-to-day operations.

    Providing Premium Insurance Solutions in Fort Myers, FL and Throughout Southwest Florida for over Three Decades

    Huff Insurance Agency, Inc.

    The Huff Insurance Agency has provided exceptional risk management solutions in Fort Myers, FL and surrounding areas since 1979. We believe in providing optimal coverage at the lowest premiums and this belief is expressed in every service we provide.

    For thousands of individuals, families, and businesses in Southwest Florida, we are the premier provider of insurance solutions. Our products and services are built around notions of transparency, productivity, and graciousness. We consider you a partner and client.

    To understand your needs fully, we work with you one-on-one and match your needs with the right policies. This consultative approach is a hallmark of our business. Another hallmark is our ability to provide optimal coverage while keeping premium costs competitive. We have long-term relationships with numerous insurance carriers that help us achieve this.

    For us, preparation is paramount. We know that protecting one s self long before risks become realities is the best way to go. This is why we have an ongoing investment in your coverage and protection. We consult with you on a continuous basis so that we can be a resource for education, protection, and counsel.

    Our Providers


    The staff at Huff Insurance Agency is knowledgeable and helpful. My calls have always been answered immediately or returned in a timely manner. The agents really do their best to provide me with the appropriate coverage at the lowest possible cost possible. I highly recommend giving them a call and obtaining a quote.

    Jason is excellant. The best insurance agent we have ever worked with. He is incredibly knowledgable about all of his products. Very professional and the promptness of his service is very much appreciated. All of his staff are friendly, knowledgable, prompt and professional.

    Jason, and his staff are always so friendly and helpful. I have been with this agency for over 20 years. In this time I have always had prompt and sincere service. They are concerned with keeping the cost affordable, and go above and beyond to take care of any issues and requests from banks, etc. I would recommend this company to all my friends and family.

    Jason Huff is an exceptional insurance agent, very knowledgeable and professional. He is always available and shops for the best most affordable insurance for our personal needs.

    Jason Huff is always helpful and willing to go the extra mile to assist us in our insurance needs!


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    Finance and Operations, Business Edition—Small Business Software #dynamics #365 #for #finance


    Microsoft Dynamics 365 for
    Finance and Operations, Business edition


    Automate and secure your purchasing process

    Monitor and control your purchasing process through automated workflows and dynamically updated inventory levels. Prevent unnecessary or fraudulent purchases by implementing approvals, plus modify a posted invoice in your financial management system and register the correction without hassle.

    • Create purchase invoices and orders to record the cost of purchase and track accounts payable
    • Stay in control of expenses by implementing advanced workflow and approval structures
    • Automate tasks for vendors to record your agreements concerning discounts, prices, and payment methods

    Reporting and analytics

    Get a complete picture of your business

    Centralize your financial management data across accounting, sales, purchasing, inventory, and customer interactions for an up-to-date, end-to-end view of your business. Make faster, more informed decisions when you’re guided by connected processes, predictive analytics, and real-time data.

    • Make fast, informed decisions with seamless Microsoft Excel integration
    • More easily track your KPIs by creating your own analyses on general ledger data
    • Chart your business’ performance in real time on your dashboard using built-in Power BI integration
    • Accurately predict your cash flow using built-in Cortana Intelligence integration

    Project management

    Keep projects on time and under budget

    Perform common project management tasks and get all the data you need to help manage budgets and monitor progress. Track machine and employee project hours using timesheets, and access real-time data on available resources, such as employees and machinery.

    • Create, manage, and track customer projects with sophisticated job costing and reporting capabilities
    • Manage usage levels and profitability of resources by planning capacity and sales
    • Develop, modify, and control budgets to avoid over-expenditure

    Operations—coming soon

    Manage and optimize your supply chain

    Streamline your operations and make smarter decisions by taking advantage of integrated manufacturing, warehousing, and service management.

    • Stay on top of warehouse inventory by tracking every item transaction or movement
    • Get quality products to market more efficiently with visibility across your entire production process
    • Deliver reliable service to your customers by tracking existing service agreements

    Read the capabilities guide for Dynamics 365 for Finance and Operations, Business edition. DOWNLOAD NOW

    Grow your accounting practice

    If you’re an accountant working with small businesses, expand the accounting services you offer with Dynamics 365 for Financials—an insightful, scalable platform that helps you connect and collaborate with clients while enhancing your productivity.

    Tailor and extend Dynamics 365 across your business


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    Smile Design Dentistry of Tampa Palms – General Dentistry – 16021


    16021 Tampa Palms Blvd W
    Tampa. FL 33647
    (813) 517-1446

    In the Tampa Florida area this Dental Group is the place to go. All of the doctors in this group are great but if i had to choose one it would be Dr Gary Nanavati. You can get more info than i can list here from their website They are my latest addition to my list of Great Dentists in the US Dr Gary Nanavati is all about continuing education and the latest techniques. The last time I saw him was when some of my staff and I was doing a 3 part course in the Clearwater area. I also had the pleasure of meeting Dr Patel and Dr Buckley. Rest assured your mouth will be in good hands with the doctors of Tampa Palms Dental.

    Best dentistry office I have ever been to. I have a history of gum issues, but my hygienist, Stephanie, has helped me get them into shape. She recommended all the right products I needed, but never pushed anything on me that I didn t really need. The result, after a few visits, is that my gums are in better shape than ever! Today she said, Your gums look great! I never thought I d hear that in my lifetime. Stephanie is courteous, professional, friendly, and really good at what she does. Thank you, Stephanie, and thank you Smile Dentist Design for a consistently positive experience at the dentist.

    Only went because they were having a summer special. I am not sure what their usual pricing is. It is located in the publix plaza so it is in a really nice location. The dentist that came in to see me had an amazing personality, actually seemed like he wanted to be there and that he enjoyed his job. I would come here again.

    I made an appt with Dr. Bucklley, New Tampa Palms office I was impressed with the receptionist and the overall look of the office. thought great I have found an office I liked that is approved by my insurance. BIG MISTAKE. upon completing the paperwork mixed in with the HIPA forms was a document that states Patient consent to use credit, debit card disclosure the form required initial by each statement and sign (patient will not challenge any charges made by Smile Design Dentistry to my bank debit or credit card. I explained I am not comfortable signing a form that takes my rights away and give you card blanch to my bank/credit account so I asked if I was reading this correctly and the office manager stated that is correct you are giving up you right to dispute any changes made by the office. I ripped up the paper work (except for the one page document discussed above) and stated I hope all their patients read what they sign. I would only authorize charges on an aggreed upon dental plan of treatment. The office manager said then we won t treat you without cash and I was free to leave. I hope the doctors review just what they are requesting of their patients.

    Smile Design Dentistry of Tampa Palms

    In the Tampa Florida area this Dental Group is the place to go. All of the doctors in this group are great but if i had to choose one it would be Dr Gary Nanavati. You can get more info than i can list here from their website They are my latest addition to my list of Great Dentists in the US

    Dr Gary Nanavati is all about continuing education and the latest techniques. The last time I saw him was when some of my staff and I was doing a 3 part course in the Clearwater area. I also had the pleasure of meeting Dr Patel and Dr Buckley. Rest assured your mouth will be in good hands with the doctors of Tampa Palms Dental.

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    Best dentistry office I have ever been to. I have a history of gum issues, but my hygienist, Stephanie, has helped me get them into shape. She recommended all the right products I needed, but never pushed anything on me that I didn t really need. The result, after a few visits, is that my gums are in better shape than ever! Today she said, Your gums look great! I never thought I d hear that in my lifetime. Stephanie is courteous, professional, friendly, and really good at what she does. Thank you, Stephanie, and thank you Smile Dentist Design for a consistently positive experience at the dentist.

    1 person voted for this review

    Others will see how you vote!

    Heads up: From now on, other Yelpers will be able to see how you voted. Want to chime in?

    I made an appt with Dr. Bucklley, New Tampa Palms office I was impressed with the receptionist and the overall look of the office. thought great I have found an office I liked that is approved by my insurance. BIG MISTAKE. upon completing the paperwork mixed in with the HIPA forms was a document that states Patient consent to use credit, debit card disclosure the form required initial by each statement and sign (patient will not challenge any charges made by Smile Design Dentistry to my bank debit or credit card. I explained I am not comfortable signing a form that takes my rights away and give you card blanch to my bank/credit account so I asked if I was reading this correctly and the office manager stated that is correct you are giving up you right to dispute any changes made by the office. I ripped up the paper work (except for the one page document discussed above) and stated I hope all their patients read what they sign. I would only authorize charges on an aggreed upon dental plan of treatment. The office manager said then we won t treat you without cash and I was free to leave.

    I hope the doctors review just what they are requesting of their patients.

    16 people voted for this review


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    10 Small Capital Business Ideas for the Young Entrepreneurs #investment #strategies


    10 Small Capital Business Ideas for the Young Entrepreneurs

    Business to date is not just for the degree holders, middle-aged adults or the retirees. In fact, there is now a plethora of young individuals with immense interest in becoming successful entrepreneurs. If you happen to be one of them, what kind of business would suit your interest, passion, and liking?

    Young entrepreneurs are now becoming just as competitive and imaginative as those who have been in the industry much longer. They are far more flexible and thrive to get ahead of the pack. Many of them also find time to attend seminars on establishing businesses and managing finances.

    It is also a fact that money or the capital is often considered on of the most important or crucial components in putting up a business. For the younger businessmen and women of today, finding the right kind of investment business where a sum of money is to be spent on becomes a crucial especially for those who employ a forward-looking approach.

    So what are the best business opportunities for the young entrepreneurs that only require minimal capital? Read on and learn how you can establish your dream business for only a fraction of the money.

    10 Small Capital Business Ideas that will not Break your Bank!

    Business #01: Resell Pre-Loved Items

    Who does not love going through bulks and bulks of clothes? The ukay-ukay business took the country by storm by the turn of the new millennium. Pre-loved items from countries like HongKong, Japan, South Korea, and Japan are shipped to the Philippines to be sold for rather an affordable price.

    Many of these items are designer clothes and bags that may cost an arm and leg when brought directly from the department stores. Many young and middle-aged Filipinos patronize this kind of business because of the quality and durability. For a merely Php 5,000.00, you may purchase a 25-kilo worth of clothes that you can resell. Many business owners have attested to gaining at least 300 times their capital in just 1-2 months.

    Business #02: Unleash the fashionista in you and sell accessories

    Young women today are getting hooked at designing their own accessories. If you have the knack for designing and creating things, then this is the right business for you. The raw materials can be bought cheaply, but the end products can be sold for a good price. Thus, ensuring profitability.

    Selling your products can be done through the social networking platforms and business sites. You may also market your items by using them and showing them to friends, classmates, and relatives. You can start buying your materials with just P3,000.00 to create your first few pieces.

    Business #03: Engage in Photography

    If you are passionate about photography and have the right tools, then you can use these to start your business. You may begin displaying your work on-line and volunteer to build your reputation. You may also start selling your work in certain websites. A little bit of creativity is all it takes to start your photography business.

    Business #04: Try Cellphone reloading business

    Who does not have a mobile phone these days? Selling electronic loads is one of the most lucrative business to date due to the high level of demand. Moreover, there is still a higher number of people who prefer to buy prepaid loads instead of availing themselves of a post-paid plan. In this kind of business, a Php 2,000 worth of initial load can already give you a good start.

    Business #05: Offer tutorial services

    Becoming a tutor is one of the most rewarding ways to earn money. Therefore, it is also one of the businesses that can easily be established if you happen to be passionate about helping students in their studies. Tutorial services can be offered at home or on-line.

    Skills and passion are both required to become successful tutors.You can also start a tutorial group with friends when clients start to pout in. You just have to need to be more resourceful in finding books, review materials, etc.

    Business #06: Get into Affiliate Marketing

    This business perfectly fits someone who cannot resist being away from the Internet. You can offer your services to people who sell products on-line or to those who blog for a living. An adequate knowledge on the different affiliate marketing strategies, your laptop, and a stable Internet connection are your basic investment to this kind of business.

    Business #07: Entice people with sweet tooth

    Many young individuals are now are getting hooked to culinary arts and baking. If you happen to have the skills, then you can combine them with your entrepreneurial mind. Bake your speciality cookies and cakes and sell them on-line. Yoy may also get engaged in the weekend gourmet market to earn yourself some extra bucks.

    Business #08: Try a rolling store

    Do you happen to live close to a school or office building? If so, you can take advantage of your location and sell interesting items in a rolling store. The advantage is that you do not have to rent a place. You can simply pack things up and park your store at night.

    Business #9: Invest in Stock Market

    As may successful traders say, it is never too early to start investing in the stock exchange. There are now seminars intended to educate people on the Science, methods, advantages, and risks of engaging in the stock market. A mere Php 5,000 can be used as a primary investment.

    Business #10: Sell brand new clothes and shoes online.

    If you are keen on fashion and know what most people want to buy these days, then you can enter in the world of on-line selling. You can search for your supplier on-line, too, and start with just a few pieces. Set up a Facebook page and you are good to go!

    In the realm of business, strategies are just as important as your capital. You may start small, but you can strive to make it bigger, in the long run until you reach the time you already have established the best business in the Philippines.


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    First Tennessee Bank Locations, Phone Numbers – Hours #first #tennessee #bank


    First Tennessee Bank Locations in Your Area

    Learn more about First Tennessee Bank

    First Tennessee Bank was established December 1863. That’s more than 150 years ago! It holds assets of 29.4 billion US dollars. This is considered a large bank that most likely serves a large portion of their region. A point to consider when choosing a bank is it’s health. This bank appears to be healthy. It has a texas ratio of 7%. Lower is better!

    Looking for an alternative to First Tennessee Bank?

    If you’re looking for higher interest rates and lower fees, but are willing to give up the “walk-in” experience of a local branch, you may want to browse our curated selection of best online banks.

    First Tennessee Bank Branches Customer Reviews

    2 out of 5 stars

    Reviewed By glalexander Aug 17, 2017

    My family has used FTB in Brentwood for many years. My mother was recently hospitalized and suffered some temporary confusion. During this time, my brother took her to the bank with a power of attorney document he had printed from online. Bank employees notarized this very serious legal document, thereby invalidating one already made by a lawyer. Now that she has recovered enough to realize what happened, the bank refuses to let her revoke the POA even though she has every legal right to do so. I spoke with one employee about this and he admitted he knows nothing about POA although his name appears as part of authorizing the document. This employee as well as the branch manager assured me they would contact me within the day after speaking to the legal department, but neither ever bothered to respond. The negligence and incompetence is astounding and has caused a great deal of stress for a number of people. A bank has no business engaging in such legal matters as this situation clearly attests.

    Thank you for your feedback Is this review helpful?

    Reviewed By Dormandy Apr 27, 2017

    I used to have a F*** Tennessee checking account. I had given a company permission to take payments out of my account. When they kept taking more than I had approved a f*** Tennessee rep called me about being overdrawn. I told her I was being a victim of fraud and to please not give them anymore money. To my suprise she told me that they couldn’t stop the auto payments and only I could do that. I couldn’t believe what she was saying and I again told her I was being a victim of fraud and I would not be responsible for any future withdrawals. Well they continued to allow the withdrawals until they racked up over $1000 in overdraft and then closed the account. When they contacted me about the amount owed I explained what happened and that I wasn’t going to pay it. Well they siued me and rather than getting a lawyer I paid them. I know this is unbelievable but please beware of this SORRY bank. George David Ormandy

    Thank you for your feedback Is this review helpful?

    Reviewed By PuppyLove May 17, 2016

    Advertiser Disclosure: Many of the savings offers and credit cards appearing on this site are from advertisers from which this website receives compensation for being listed here. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). These offers do not represent all deposit accounts and credit cards available. Credit score ranges are provided as guidelines only and approval is not guaranteed.

    Editorial Disclosure: This content is not provided or commissioned by the bank advertiser. Opinions expressed here are author’s alone, not those of the bank advertiser, and have not been reviewed, approved or otherwise endorsed by the bank advertiser. This site may be compensated through the bank advertiser Affiliate Program.

    User Generated Content Disclosure: These responses are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser’s responsibility to ensure all posts and/or questions are answered.

    2017 MyBankTracker


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    How to Get a Loan to Buy an Existing Business #how


    How to Get a Loan to Buy an Existing Business

    Purchasing a business is a big undertaking, especially when financing is involved. Borrowing to purchase an existing business is somewhat different than borrowing to start a new business because existing companies already have a financial background, which means they have an established overhead and existing expenditures. When borrowing for a new business, these factors are speculative. Having real-time numbers puts more emphasis on the business plan and the existing financial statements.

    Borrowing money to buy a business can be scary.


    Decide how much you are willing to spend each month. Consider the amount of money you will spend on the business loan repayment amount, overhead and Insurance.


    Research how much worth the business has in the current market and economy. Also, determine how much you need to borrow. For the sake of this project, we will assume it is less than $250,000, which would be considered a small business loan.


    Create a five-year business plan and try to secure at least 20 percent for a down payment. Some lenders offer options that don t require a down payment. But in reality, purchasing a business is comparable to purchasing a new home, which often requires a down payment. The five-year business plan must include a financial statement, a profit and loss statement and a statement of projected income. For an existing business, the numbers that are included in these statements are crucial.


    Compare business loan terms, rates and conditions among different financial institutions. Decide on one and make an appointment.


    Prepare yourself for your initial interview with the financial institution of your choice by being ready to convince the financial associate of how much you want this. For example, inform them of whether you re willing risk your own money or other assets. Have your business plan ready to present, as well. This will show your commitment to the task. Remember, your business plan requires accurate numbers and a well thought out plan of action.


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    Business Voip Providers List – best Voip solutions for small business


    Top 5 Business VoIP Providers

    Have you ever wondered what VoIP could do for your business? Do you want to learn more about business VoIP? You’re in luck! This article will cover some of the top business VoIP providers and give you a quick background on how VoIP can benefit your company.

    First, it is important to understand what VoIP service actually means. In technical terms, VoIP stands for voice over internet protocol. In laymen’s terms, it means that you can get phone service over the internet. This is a great option for those who have a strong internet connection and want to save money. Typically, VoIP service is less expensive than traditional phone service not because it is a poorer technology, but because big phone companies have a monopoly on the industry. This makes it a great solution for small businesses.

    When looking for best VoIP for business, you should consider a few things: What services or benefits does the company offer? How are the phone signals converted into digital signals? And what do the consumer reviews look like? Keeping these questions in mind while looking for a VoIP provider will ensure that you get the best service for your money.

    When searching for companies with good services and benefits, look for VoIP providers who offer things like unlimited calling, no contracts, voicemail, faxing, US-based support and low long distance rates. Next, think about how the VoIP service is hosted – or how the phone signals are turned into digital signals. There are three ways to do this: VoIP using an analogue terminal adapter (ATA), VoIP using an IP phone, or VoIP connected directly. Usually, using an IP phone is considered the best and most reliable way to get VoIP. Finally, be sure to take the time to read the reviews online. If a company has lots of complaints, you might want to reconsider using them for installing small business VoIP system.

    Using our research, we have identified five companies that we feel offer consistently good service to its customers. If you are a small business looking for different phone solutions or business VOIP, you should definitely take a look at these providers.

    HostMyCalls. this provider offers hosted PBX services to medium and small businesses. They have a variety of features such as unlimited local and long distance calling, low monthly fees, fax to email services, voicemail, and local numbers from other markets.

    Threshold Communications. offers multiple locations on one phone system, extremely fast internet connectivity, no long distance charges, and a low monthly fee, and more.

    Anveo. hosted virtual PBX with services such as internet messaging, conference calling, pay as you go billing, video broadcasting, and local phone numbers available from over 48 countries.

    Vocalocity. a PBX unlimited extension. They provide unlimited calling and long distance, no contracts, no setup or installation fees, voicemail and email transcription. This is a good company for VoIP systems for small businesses

    Nextiva. business VOIP provider offering unlimited calling, US-based support and no contracts. Free long distance rates and a very low monthly rate. This company can be considered as the best VoIP for business.

    If you decide that VOIP service is for you, be sure to do your homework and research business VOIP providers before committing. At such low prices, VOIP can certainly cut costs and improve your business!


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    CRM FREE best free online CRM for small business #free #crm,


    CRM FREE is the best free web based contact management (CMP or CRM), address book, calendar, document storage and sales & event tracking solution for small businesses, independent contractors, sales persons, human resource departments and anyone else looking to be more organized. Keep and share all contacts, calendars, employees, leads, clients, sales opportunities, friends, family, appointments, tasks, projects, notes together in one easy to navigate place online. Never be lost again.

    Easy to learn and use. Get started for free and then decide if you want to upgrade to a paid version. CRM FREE is not filled with so many features you will never use that complicate learning and using it, rather the design is simple, allowing you to get going quickly. Enter a contact, add important dates, set a follow up for the next call or meeting on the calendar.
    Take a video tour of CRM FREE.

    Learn more and see screenshots of CRM FREE. Have questions on CRM-FREE or how it will work for you? Click the live support box to the right of the logo above and we will be happy to answer your questions.

    Simple, easy to use, it’s the best online CRM to fit any need, user or office. Signup and get started in just seconds – for free. No long term contracts or signup fees, just an inexpensive pay as you go service if you choose to upgrade. Your data is safe, secure and yours. Easily import csv files or vcards. Export data to csv files or vcards, get a backup of your data at any time. All connections are through a secure server (even the free accounts) giving you the confidence to enter personal data without worrying if someone is watching. CRM FREE is brought to you by MSCC Corp, a leader in web based crm solutions for over 10 years.
    Looking for free crm for life insurance agents. try VAM dB also from MSCC Corp.

    Easily track Contacts, Sales, Projects and more.


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    Proposal Letter to Offer Services – Samples, Example & Tips #proposal


    Proposal Letter to Offer Services

    A proposal letter to offer service is written by a company to another company when they are ready to offer their services to another company.

    When a company is confident that it can provide all the necessary services to another company they write this proposal letter stating they are ready to offer their services. This letter too is a formal one and to write one refer the below-mentioned sample.

    Usually, proposal letter is written to offer professional services. It can be any kind of services like providing food, printing, cleaning etc. Use the following tips and sample proposal letter for services in doc and pdf format.

    Table of Contents

    Proposal Letter to Offer Services Writing Tips:

    • Address the company to whom you are ready to offer services
    • The details about the services should be given precisely
    • Avoid making spelling and grammar mistakes
    • The language of the letter should be formal
    • The achievements of the company and why to choose it for the services too should be mentioned properly.

    Proposal Letter to Offer Services Template

    Use our free Proposal Letter to Offer Services to help you get started. Simply download the .doc or pdf file and customize it. If you need additional help or more examples check out some of the sample letters below.


    Date: _____ (Date on Which Letter is Written)


    Subject: Proposal Letter to Offer Services

    Dear _____(Sir or Madam)

    I Mr. …………….(name of the sender) on behalf of …………………..(name of the company) is writing this letter to Mr. ……………….(name of the recipient) of ………….(name of the company) is writing this letter to offer our web designing services to you. We offer all kinds of web designing services and your company being a SEO company would require our service. We would be glad to offer you the necessary services and hope to get a positive reply from you soon.

    I am sure you would love to work with us and hence would love to render the necessary services.

    Name of the organizer

    Sign of the organizer


    Date: _____ (Date on Which Letter is Written)


    Subject: Proposal Letter to Offer Services

    I am writing this letter to you to propose to you our services of web designing. Our company which is a three year old one excels in providing web designing services to leading companies and MNC’s. We provide timely services and the experts in our company have good experience in their own field. Thus you can rely on us. We would be glad to provide you with our timely services and also assure that you will get quality services from time to time.

    Though our company is just three years old, we have managed to get good clients and have also made good profits. Thus you can stretch your hands and avail to our services whenever you require one hoping to hear a positive response from your end.

    Name and Signature.

    Email Format

    If you are confident of the services offered by your company and wish to expand your business by offering your services to a particular company, writing proposal letter will solve purpose. The letter describes your fields of services and achievements to captivate the brains of the future clients.

    I am writing from Dove writing services, which is a well known organisation in the state. We are keen to provide our services to the Horizon Web Designing house. We are five year old company and our services are provided to all the major companies of its niche.

    This can be demonstrated by our branch offices which are situated in all the major cities. We offer all kinds of writing solution ranging from press releases, web contents, blogs, wed articles to medical contents as well as other concerned writing materials. We are considered as the best by our clients and it would be an honour to provide our services to you. Please see enclosed catalogue to know our rates and services.

    Hoping positive reply.

    Business Development Manager,

    Dove Writing Services.


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    Small Business Phone Systems #small #business #phone #solutions


    Robust, Intuitive & Small Business Friendly
    Amazon Chime Now Included In All Plans

    Enterprise-grade Unified Communications

  • Nexmo The Vonage API Platform

    Innovative, Cloud-based Building Blocks

    Get top voice and data quality on your current internet. See how on our intuitive plug-and-play business phone system.

    Get unified communications on the nation’s largest MPLS network. See how with our top QoS and end-to-end customer service.

    From basic milestones to deep dives into new cloud integrations, learn how to optimize your business cloud communications.

    Insight to help business connect and collaborate better with their customers, employees, and vendors.

    The traditional office has traded up to a virtual team model. Learn how to keep up with the latest trends.

    Get tips on how to develop flexible networks, strong infrastructures and better supported operations teams.

    Keep up with the trends in business communications and technology that impact your business, profession, and industry.

    Earn competitive revenue on our comprehensive communications solution and grow your business with help from our stellar support and training.

    Join us as we continue to expand into new areas and build alliances with like-minded innovators.

  • Referral Partner Program

    Create a new revenue stream within your current business model. You bring the referral, and we do all the heavy lifting to make the sale.

  • Already a Vonage Partner?

    Small Business Phone Systems

    It’s small business phone solutions, plus conferencing and collaboration. But better.

    Communicate, collaborate and compete better with a nimble, world-class, small business VoIP phone system. No expensive on-site hardware or wiring. No extra setup costs when you want to grow. All you need is high-speed internet to get your small business solutions started.

    • Plug-and-play service on your current internet
    • No on site installation required
    • Lower your overhead

    Big small business solutions value starts with 50%* savings

    Get a Vonage cloud-hosted small business phone system, including the Amazon Chime Pro tier, and save 50%* on phone service with conferencing and collaboration. Gone are the days of closets full of equipment. With 40+ business-critical features plus conferencing and collaboration tools, your business can customize a powerful cloud-hosted communication solution that does more for less.

    *Savings claim is based on: (1) the average monthly recurring charge for unlimited domestic business calling plans from the top three leading wireline service providers; and (2) the average advertised price (as of March 7, 2017) for WebEx Premium Annual Plan and the GoTo Meeting Plus Plan. Comparison excludes promotional pricing, fees, surcharges or taxes and assumes a customer already has broadband service. Check your phone bill to determine the savings that would apply to you.

    You’ll love our cloud solutions for small businesses, with cloud-hosted mobility

    Work happens in more places than the office and long after traditional business hours are done. Your business phone features can be accessed on your smartphones, tablets, laptops, and desktops whenever you need them.


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  • Nobody making federal minimum wage can afford a two-bedroom apartment #make


    No full-time minimum-wage worker can afford a 2-bedroom apartment in any US state

    The absolute least that an employer is legally allowed to pay an employee for an hour’s work varies across the country. but one fact remains constant: In no state does working 40 hours a week for minimum wage enable a person to rent a median two-bedroom apartment.

    That’s according to new research by the National Low Income Housing Coalition covered by T he Washington Post. Across the country, it reports, even full-time workers would have to make about or more than twice as much to afford a typical home.

    In states such as Alaska, Washington, Colorado, Florida, Virginia, Illinois and most of the Northeast, workers would have to make over $20 an hour. Workers in California, D.C. and Hawaii are the hardest hit by the price of housing: They need to earn a whopping $30, $33 or $35 an hour, respectively, to afford a two-bedroom.

    The federal minimum wage is $7.25.

    Some renters can still find individual apartments that charge less than the median rent and so remain relatively affordable. The trouble is, they are often substandard or unsafe and, regardless, there aren’t nearly enough of those to meet demand. Scarcity has been an issue for decades .

    Likewise, not all workers are subject to the federal minimum wage. Some are, as five states, including Mississippi and Louisiana, have no official minimum wage, and two more, Georgia and Wyoming, have a minimum wage of $5.15, or about $10 less an hour than full-time employees would need to make to be able to afford a two-bedroom. In those places, the federal minimum wage applies, with a general exception for workers who receive tips.

    By contrast, states such as Connecticut and California mandate that even entry-level workers receive about $10 an hour, while cities and, increasingly, states such as Illinois and New York are phasing in a new minimum wage of $15 an hour. That minimum supersedes the federal one.

    The Fight for $15, a worldwide effort to raise wages and strengthen unions, has successfully led to better pay in many places since its launch in 2012. and a proposed federal minimum wage of $15 an hour is now part of the Democratic Party platform. According to these numbers, however, even that wouldn’t make housing affordable.

    As things stand, an American making the federal minimum wage of $7.25 would have to work 94.5 hours a week, or more than two full-time jobs, to afford a typical two-bedroom rental.

    The Post notes that “many of the occupations projected to add the most jobs by 2024 pay too little to cover rent. These are customer service representatives, personal care aides, nursing assistants, home health aides, retail salespeople, home health and food service workers who make, on average, between $10 and $16 an hour. as a result, more than 11.2 million families end up spending more than half their paychecks on housing,” money they could otherwise direct toward transportation, education, food, clothing or savings.

    In a preface to the report. U.S. Rep. Keith Ellison, D-Minn. writes, “Each year, Congress spends about $200 billion to help house American families. A full three-fourths of these resources go to help subsidize the homes of the richest families through the mortgage interest deduction and other homeownership tax benefits.”

    Meanwhile, the report points out, federal funding for housing assistance programs has actually declined by three percent in the last seven years.

    Millennials are making a big mistake by not owning their homes, says one financial expert 12:22 PM ET Mon, 24 April 2017 | 00:49

    Some business owners argue that raising the minimum wage will lead to higher prices for consumers, and some economists argue that it could depress job growth or even end up eliminating positions as it leads to more automation. A comprehensive 2016 study from the National Employment Law Project, however, found that the economists’ fears aren’t justified.

    Its authors declare that there is “no correlation between federal minimum-wage increases and lower employment levels, even in the industries that are most impacted by higher minimum wages. To the contrary, in the substantial majority of instances (68 percent) overall employment increased after a federal minimum-wage increase.”

    And a 2017 poll found that bipartisan majorities of Americans now favor raising the minimum wage.


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    Personal Business Loans #debt #consolidation #loans, #debt #consolidation #loan, #home #improvement


    Get a Personal Loan for Your Small Business

    Looking for small business loans? Prosper can help you get personal loans to use for your small business.

    Loans through Prosper are not traditional small business loans. Personal loans through Prosper are based on your credit score, and issued to you as an individual (not a business). For some small business owners needing loans, a personal loan won’t answer their needs—but for other entrepreneurs, it’s perfect. In some cases, such as when a business doesn’t yet have a proven track record, our small business loans can provide lower rates or even just the ability to get a loan.

    Whether it’s a personal loan for a new business, a small business, or a larger, more established one, turn to Prosper for access to unsecured personal loans at the rates you’ve been searching for.

    Get Personal Loans for your New Business

    Do you have a great idea for a first time new business, but lack sufficient backing for a loan? We understand getting new business loans can be challenging, but we may be able to help you and your new business with the loans you need.

    Turn to Prosper for access to unsecured loans at great rates. You won’t need to put up any collateral or refinance your home to get the funds you need. Personal loans for small business use are issued to you as an individual, and are dependent on your good credit. Because of this, Prosper can be great help for a new small business.

    Need a Personal Loan for your Small Business?

    Being your own boss in a small business often isn’t easy — but the rewards can be immeasurable. If you need loans for your small business, you’ve come to the right place.

    One of the most difficult roadblocks to overcome can be finding the right small business loan at the great rate you need. And yet, small businesses provide the essential financial backbone in our local communities. At Prosper, we understand this.

    Personal loans can be a sensible alternative to small business loans in situations where the small business doesn’t yet have a solid history of profit, or can’t currently provide the documentation and analysis a bank requires to consider a small business loan. The personal loan is issued to an individual—the business owner—based on their credit. It is ultimately their responsibility to pay back the loan.

    Prosper is the right choice for Personal Loans for your Small Business

    Prosper makes the entire process of getting loans for your new business or existing business easy. If you are new to Prosper, simply join as a borrower and request a loan by creating a listing. You choose the amount.

    Why not apply now. It s easy to get loans, and posting a loan listing is absolutely free.

    Can I obtain a loan with bad credit?

    If you’re certain you have bad credit, Prosper may not be right for you at this time. Consider taking a few months to improve your credit rating, and then apply.

    Do you need perfect credit to obtain a loan through Prosper? Not at all. Few of us have perfect credit. If you have average or above average credit, Prosper can be a terrific place to get access to low interest rate loans for you and your new business.

    Don t believe us? See for yourself: Get rate now .

    There may be Prosper investors out there who are specifically targeting start-ups that need new business loans. We want to help you reach your dreams.

    Does my credit score affect my loan?

    Yes. If you are sure you have bad credit, you may want to consider improving it before you apply. If you are not sure if you d qualify, we can help you find out now. for free, with no obligation.

    Choose the right fit for your business

    *For example, a three year $10,000 loan with a rate of 5.99% APR would have 36 scheduled monthly payments of $302. A five year $10,000 loan with a rate of 9.68% APR would have 60 scheduled monthly payments of $201. Annual percentage rates (APRs) through Prosper range from 5.99% APR (AA) to 36.00% APR (HR) for first-time borrowers, with the lowest rates for the most creditworthy borrowers. Eligibility is not guaranteed, and requires that a sufficient number of investors commit funds to your account and that you meet credit and other conditions. Refer to Borrower Registration Agreement for details and all terms and conditions. All loans made by WebBank, member FDIC.

    Prosper and WebBank take your privacy seriously. Please see Prosper’s Privacy Policy and WebBank’s Privacy Policy for more details.

    Notes offered by Prospectus. Notes investors receive are dependent for payment on unsecured loans made to individual borrowers. Not FDIC-insured; investments may lose value; no Prosper or bank guarantee. Prosper does not verify all information provided by borrowers in listings. Investors should review the prospectus before investing.

    All personal loans are made by WebBank, member FDIC. Loans are unsecured, fully amortized personal loans.

    Notes are not guaranteed or FDIC insured, and investors may lose some or all of the principal invested. Investors should carefully consider these and other risks and uncertainties before investing. This and other information can be found in the prospectus. Investors should consult their financial advisor if they have any questions or need additional information.

    Prosper Funding LLC. | 221 Main Street, Suite 300 | San Francisco, CA 94105

    **All personal loans are made by WebBank, member FDIC. All Prosper personal loans are unsecured, fully amortized personal loans.

    Notes offered by Prospectus. Notes investors receive are dependent for payment on personal loans to borrowers. Not FDIC-insured; Investments may lose value; No Prosper or bank guarantee. Prosper does not verify all information provided by borrowers in listings. Investors should review the prospectus before investing.

    *Seasoned Return calculations represent historical performance data for the Borrower Payment Dependent Notes (”Notes”) issued and sold by Prosper since July 15, 2009. To be included in the calculations, Notes must be associated with a borrower loan originated more than 10 months ago; this calculation uses loans originated through May 31, 2012. Our research shows that Prosper Note returns historically have shown increased stability after they’ve reached ten months of age. For that reason, we provide “Seasoned Returns”, defined as the Return for Notes aged 10 months or more.

    To calculate the Return, all payments received on borrower loans, net of principal repayment, credit losses, and servicing costs for such loans, are aggregated and then divided by the average daily amount of aggregate outstanding principal. To annualize this cumulative return, it is divided by the dollar-weighted average age of the loans in days and then multiplied by 365.

    All calculations were made as of September 30th, 2013. Seasoned Return is not necessarily indicative of the future performance on any Notes.


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    Paralegal Studies #community #colleges #oklahoma, #oklahoma #community #colleges, #oklahoma #colleges, #colleges


    Business Information Technology

    A two-year program offering day and evening classes, it’s designed to prepare a student for employment as a legal assistant or paralegal.

    Approved by the American Bar Association since 1976, Paralegal Studies at Rose State is a two-year program offering day and evening classes.

    A paralegal is an individual who is educated and trained to assist a practicing attorney. Paralegals, also called legal assistants, perform a wide variety of duties and tasks which are professional in nature, distinct from routine clerical tasks. A primary responsibility of a paralegal is to relieve the supervising attorney of routine duties so that the attorney is able to use his/her time in more complex areas of the case. Proper use of a paralegal/legal assistant enables an attorney to handle a heavier case load and increase productivity, thereby resulting in the delivery of legal services to a client more efficiently and economically.

    The Paralegal Studies Program is designed to prepare the student with the necessary knowledge and skills to gain employment as a paralegal/legal assistant and/or to allow the student to advance to positions of increasing responsibility in the legal field. The program is not offered to train attorneys or legal administrators. Objectives of the program are:

    • To provide practical training in legal skills supported by substantive legal theory;
    • To instruct students in legal specialty courses to enable students to perform tasks specific to particular areas of law;
    • To inform students of ethical responsibilities of the legal profession; and
    • To educate students to the role of the paralegal in the delivery of quality services within ethical limitations applicable to a paralegal’s function in the legal profession.

    The Paralegal Studies Program is a member of the American Association for Paralegal Education; it is dedicated to providing quality education and current technological skills so that graduates can find employment in the legal community or in a law-related field.

    A person in the Paralegal Studies profession CAN :

    • Interview clients and witnesses
    • Draft pleadings and documents
    • Perform legal research
    • Write legal memoranda and briefs
    • Research public records
    • Prepare discovery requests and responses
    • Prepare exhibit lists
    • Assist the attorney at trial
    • Provide case management
    • Perform law office management tasks

    A person in the Paralegal Studies profession CANNOT :

    • Give legal advice
    • Accept cases or set legal fees
    • Represent a party in court

    ALL legal services performed by a paralegal must be supervised by an attorney.Paralegals may not provide legal services directly to the public except as permitted by law.

    Program Admission Requirements

    Option I:
    • High School transcript or GED certificate and transcript
    • ACT Reading score of 19 or COMPASS Reading Test score of 83
    • Eligibility for English Composition I

    Previous or concurrent enrollment in Engl 1113 is a prerequisite for LS 2813, Legal Research and Writing I

    Option II:
    • College transcript(s) reflecting 15 credit hours or more with a 2.5 grade point average or better or an ACT Reading score of 19 or COMPASS Reading Test score of 83
    • Eligibility for English Composition I

    Previous or concurrent enrollment in Engl 1113 is a prerequisite for LS 2813, Legal Research and Writing I.

    Work Setting

    Paralegals work in offices for:

    • Private law firms
    • Banks and corporations
    • Public service corporations
    • Federal, state, and local government

    Tools Materials

    Paralegals work with:

    • Public records, court documents, and other research materials
    • Legal and business documents such as titles, contracts, and mortgages
    • Court cases
    • Computers and software applicable to their area of specialty
    • Clients on a daily basis

    Career Skills

    Paralegals should be able to:

    • Reason clearly and logically
    • Communicate clearly and effectively in speech and writing
    • Be responsible, ethical, and motivated
    • Perform detailed work
    • Analyze information
    • Plan and organize work

    Pros and Cons

    Positive aspects of the career:

    • Working with people as well as data
    • The variety of the work
    • The ability to work on a temporary or freelance basis

    Negative aspects of the career:

    • Performing detailed work tasks
    • Keeping up with changes in laws
    • Working long hours when under pressure to meet deadlines

    Career Information

    For more information regarding the Paralegal Studies profession, contact:

    National Association of Paralegal Studies
    1516 S. Boston, Suite 200
    Tulsa, OK 74119-4013
    (918) 587-6828 FAX (918) 582-6772

    Central Oklahoma Association of Paralegal Studies s (COALA)
    Membership Chairperson or Recruitment Chairperson
    P. O. Box 2146
    Oklahoma City, OK 73101-2146

    The Career Services Office in the Professional Training Center can provide you with more detailed information on the paralegal profession, job markets, salaries, etc. For additional information, contact the Career Services office at (405) 733-7488.

    Apply Today

    Program Director


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    Aloha Bail Bonds – Bail Bondsmen – 320 W Cedar St,


    320 W Cedar St
    San Diego. CA 92101
    United States

    I was involved in an unfortunate situation where I had to find a bailsbond while I was in jail. I called Aloha bailsbond because the name reminding me of Hawaii (I know, it s lame, but when hundreds of options are presented, you go off of instinct). She picked up the phone immediately and totally trusted that I would pay her when I got out. She posted bail for me without a dime and on a promise. I was out as soon as they allowed us. Very responsive and professional and would highly recommend. While her office location is not one to be desired, Aloha was very professional and handled my situation delicately. Highly recommend her service.

    Don t know what the below person is talking about. It seems as though he has a personal problem with the owner, and says nothing about the service provided. I had a great experience with Aloha. They were very nice and knowledgeable. Got my brother out of jail fast and worked with me on payments.

    Aloha Bail Bonds

    I was involved in an unfortunate situation where I had to find a bailsbond while I was in jail. I called Aloha bailsbond because the name reminding me of Hawaii (I know, it s lame, but when hundreds of options are presented, you go off of instinct). She picked up the phone immediately and totally trusted that I would pay her when I got out. She posted bail for me without a dime and on a promise. I was out as soon as they allowed us. Very responsive and professional and would highly recommend. While her office location is not one to be desired, Aloha was very professional and handled my situation delicately. Highly recommend her service.

    Was this review ?

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    Native Tape Support – Veeam Backup & Replication #tape #backup #solutions


    Native tape support

    Watch demo: Native tape support

    Veeam hasn t ignored the fact that tape backup systems remain a necessity for many organizations due to significant investments in both hardware and media. In many cases, it is also the only viable option for long-term archival and off-site storage for large data sets. This is why Veeam offers reliable tape backup solutions to help you meet your tape backup needs.

    No feature limitations for 30 days

    Flexible long-term retention ENHANCED

    Veeam provides native tape support for both automated tape libraries (including VTL) and standalone tape drives. Veeam includes advanced tape functionality for enterprises, including parallel processing, Native GFS Retention, a Global Media Pool and more, to provide added flexibility, easier management and advanced archiving options to meet your data retention needs:

    • Efficiently archive multiple backup files to tape at once using the same media pool
    • Reduce tape consumption but maintain long retention policies with a dedicated media pool for archiving full backups with grandfather-father-son retention policy
    • Automatically copy backup files produced by Veeam backup jobs, or regular files from servers and shares using Backup to Tape and File to Tape jobs with easy-to-use scheduling
    • Select multiple files or folders simultaneously to get your data to tape even faster with less effort NEW
    • Track VMs and restore points across tapes and media vaults, making restores simple

    Direct restore from tape NEW

    Normally, if you need to restore files from tape, you first need to restore the VM backup from tape to the Veeam repository for staging. Now VM restores move directly from tape to the primary VM environment, saving time and reducing the need for intermediary storage.

    Parallel processing

    With new parallel processing functionality, you can improve data archiving performance and reduce complexity. Parallel processing allows you to archive multiple backup files to tape simultaneously by spreading them between multiple drives, even when Backup to Tape jobs are targeting the same media pool.

    Global Media Pool

    Global Media Pool is a quick and easy way to organize all tape libraries in one logical group, allowing for highly concurrent tape archiving and automatic failover from non-operation libraries. It also provides the flexibility to assign as many tape libraries as needed to a single media pool spanning multiple devices. Now, it s possible to:

    • Keep tapes loaded in separate libraries in one media pool
    • Automatically and transparently failover tape jobs to another library when some libraries run out of free media or available tape drives, or become non-operational

    Native GFS retention Tape management made easy!

    With Veeam, you can eliminate the manual work associated with long-term tape retention, making it easier to meet all of your data retention needs with a single dedicated Grandfather Father Son (GFS) media pool for full backups. This new pool type includes weekly, monthly, quarterly and yearly media sets, thus dramatically reducing tape consumption on long-term retention policies. For example, now, a typical GFS retention scheme and five-year long retention only requires 20 tapes, storing four weekly, 12 monthly and four yearly full backups.

    Veeam Availability Suite 9.5

    Media vaults

    Media vaults help you virtually organize, track, group and view information about your offline tape repositories. With media vaults you can:

    • Easily track the physical location of each offline tape
    • Group off-line tapes by certain criteria, such as retention periods
    • Manually or automatically move tapes to a predefined vault once they go offline

    Veeam Backup & Replication meets all the requirements for our customers and our system engineers in the team. With native tape support, a big need was covered. Thanks to high stability and SureBackup, we can implement and verify the backup & disaster recovery process much easier. From a system engineer’s view: ‘An awesome product!’

    Patrice Singy
    System Engineer
    Nexpert AG

    Virtual full backup tape out

    Forever-incremental backup modes provided by Veeam Backup & Replication™ are not well-suited for tape out, because they do not have periodic full backups. Veeam helps you streamline the backup process and shrink the number of tapes required to perform tape out from such source backup file chains by scheduling a periodic virtual full backup that automatically compiles the individual parts of the incremental backup chain into a virtual full backup file for tape out. And because the virtual full backup file is compiled on the fly by a Backup to Tape job, you do not need extra disk space in your backup repository as a staging area! Schedule a virtual full backup, and Veeam Backup & Replication will synthesize the full backup file on the fly and write it to tape.

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    Veeam – the industry’s most trusted Availability provider

    The results of the latest independent satisfaction survey help in understanding the importance of ensuring data Availability and why 242,000+ organizations chose Veeam as a trusted provider.

    Get your new ransomware preparedness and recovery bundle!

    Step on the learning curve of ransomware preparedness and recovery with the Conversational Ransomware Defense and Survival e-book and bonus webinar!

    Copying backups to tape

    Efficient and effective archiving

    With Veeam, you can copy both backup files produced by specific jobs, as well as the entire backup repositories to tape. And to dramatically simplify D2D2T backup architecture, Backup to Tape job scheduling can be integrated with the source backup jobs, so that when a VM backup job completes – the produced backup files are automatically and immediately copied to tape.

    The tape support in other backup solutions is typically licensed by the number of tape drives in your library, agents, and more. Veeam saves us a lot of money.

    René Rasmussen
    IT Specialist with
    Møbeltransport Danmark

    Other product features:

    • All Features
    • High-Speed Recovery
    • Data Loss Avoidance
    • Verified Recoverability
    • Leveraged Data
    • Complete Visibility


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    8 Epic EHR implementations with the biggest price tags in 2015


    8 Epic EHR implementations with the biggest price tags in 2015

    Investments in EHR systems are undoubtedly costly, but some implementations appear to carry more costs than others.

    Implementation costs vary system to system and hospital to hospital. Prices fluctuate based on what types of additional features and modules a hospital selects. And, according to a Politico report, some EHR vendors charge for additional service fees while others don’t. The Politico report indicates for Epic’s 2014 edition software, the Verona, Wis.-based EHR vendor charges a software licensing fee, implementation costs and annual maintenance costs while OpenVistA, developed by Carlsbad, Calif.-based Medsphere, for example, does not.

    Even within the subsector of Epic implementations, costs fall across the board. For example, Duke University Health System, based in Durham, N.C. paid approximately $700 million for its Epic EHR (systemwide go-live in 2014) while Dartmouth-Hitchcock Medical Center in Lebanon, N.H. paid $80 million (go-live in 2011), according to a Forbes report.

    John Halamka, MD, CIO of Beth Israel Deaconess Medical Center. said in the Politico report that hospitals selecting Epic’s platform are not just buying a product — they are buying a process. BIDMC does not operate on Epic’s EHR; rather, the hospital earlier this year forged a partnership with athenahealth, which included using the Watertown, Mass.-based vendor’s product.

    “Epic is selling a methodology; often a lot of manual processes or heterogeneity and standardizing the work,” Dr. Halamka told Politico. “It’s not that they’re buying expensive software, they’re buying a lot of software.”

    No matter where the prices come from, the cost of Epic installations are significant. Here are eight of the most costly Epic implementations reported within the past six months. These are working numbers, with some systems having allotted the indicated amounts to implementation projects and others that have already completed installations.

    Partners HealthCare: $1.2 billion
    Boston-based Partners HealthCare is one of more recent implementations, going live the first week of June to the tune of $1.2 billion. This is the health system’s biggest investment to date. The implementation process took approximately three years, and in that time, the initial price tag of $600 million doubled.

    LehighValleyHealth Network: $200 million
    LVHN started its switch to Epic’s platform in February 2015, but the full transition will take between four and six years. Harry Lukens, CIO of the Allentown, Pa.-based system, told The Morning Call the total investment dedicated to the installation includes software, hardware, data conversion and additional personnel.

    Mayo Clinic: “Hundreds of millions”
    In January 2015, Rochester, Minn.-based Mayo Clinic announced it selected Epic’s EHR and revenue cycle management platforms and planned to drop its Cerner and GE Healthcare contracts to do so. The value of the contract was not disclosed by the health system or the vendor, but stock analysts told The Kansas City Star it is worth “hundreds of millions of dollars over several years.” Additionally, the headline of the Star report reads “Cerner loses Mayo Clinic contract worth hundreds of millions of dollars to Epic,” indicating a ballpark estimate of the new contract’s value.

    LaheyHospital Medical Center: $160 million
    On March 28, 2015, the Burlington, Mass.-based hospital completed its two-year implementation of Epic’s EHR system. Two months later, Lahey Health said it was laying off 130 people at three hospitals to close the budget gap. In the six months ended March 31, the health system had lost $21 million, partly due to preparatory EHR implementation costs.

    Lifespan: $100 million
    Providence, R.I.-based Lifespan announced plans to implement Epic’s EHR in March 2013, and the health system went live April 2015. Lifespan initially projected the implementation to cost $90 million, but in a Rhode Island Public Radio report, John Murphy, MD, executive vice president of physician services, alluded to a total closer to $100 million.

    Erlanger Health System: $97 million
    Chattanooga, Tenn.-based Erlanger Health System signed a contract with Epic in May 2015 nearing $100 million. The health system will invest $91 million in capital expenses, but operating expenses will bring the total to $97 million over the next 10 years. Erlanger was deciding between Epic and Cerner’s platform and ultimately chose Epic because the bid was less expensive, CFO Britt Tabor told Times Free Press .

    WheatonFranciscan Healthcare: $54 million
    In January 2015, Glendale, Wis.-based Wheaton Franciscan Healthcare announced plans to implement Epic across its hospitals. The system’s affiliated medical group and physician offices have been using Epic’s EHR since September 2012, but providers across the system can only view patient records and not input information. The implementation will create one central EHR platform across the system. Go-lives will begin January 2016. The system expects a return on investment after four years of using the platform.

    Saint Francis Medical Center: $43 million
    The hospital in Cape Girardeau, Mo. contracted with Epic in February 2015 and expects to go live in July 2016. Saint Francis plans to connect and exchange records with other hospitals in the St. Louis area also using Epic’s system, including SSM Health and Mercy Health.

    Worth noting
    A handful of other hospitals and health systems reported signing contracts with Epic this year but did not disclose the costs of the IT projects. Some of these organizations include Arlington Heights, Ill.-based Northwest Community Healthcare, SSM Health St. Mary’s Hospital-Audrain in Mexico, Mo. Oklahoma State University Center for Health Sciences in Tulsa, San Diego-based Scripps Health and St. Louis-based BJC HealthCare.

    Editor’s note: An earlier version of this article identified Saint Francis Medical Center as being located in Dexter, Mo. We have updated the article to include the correct location, and we apologize for the error.

    More articles on EHRs:

    Copyright ASC COMMUNICATIONS 2017. Interested in LINKING to or REPRINTING this content? View our policies by clicking here .

    To receive the latest hospital and health system business and legal news and analysis from Becker’s Hospital Review. sign-up for the free Becker’s Hospital Review E-weekly by clicking here .


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    Commercial Property Insurance from Nationwide #commercial #property #insurance, #business #property #insurance,


    Protect Your Business Property With Commercial Property Insurance

    Nationwide’s business commercial property insurance can protect your business from a minor hiccup to a major financial loss. Whether you own your building, lease your workspace or work at home, business property insurance protects your business’ physical assets.

    Commercial property insurance plans vary from policy to policy, but are generally categorized by the type of event leading to a loss, and by what specifically is insured.

    • A fire could destroy your building and the contents inside
    • A burst water pipe could damage your documents, drawings or other valuable papers
    • A storm could damage your outdoor sign

    What business property insurance covers

    Small business property insurance is one of the most important investments ensuring the future of your business. Here are some of the important aspects of your business that commercial property insurance helps protect:

    • Your building
    • Your outdoor sign
    • Your furniture and equipment
    • Your inventory
    • Your fence and landscaping
    • Others’ property

    Nationwide understands that your business is unique and constantly changing. We can tailor our commercial building insurance policy to fit your needs.

    Learn more about how commercial property insurance works, coverage options and information on how to get a quote with these commercial property insurance resources:

    Customizing Your Protection

    Review the extra coverage options available.

    Affordable Options for Your Business Property Insurance

    Learn some of the variables that help determine your property insurance rate.

    Your business has a lot of physical assets. Your building and its contents. Any outdoor fixtures like signs or fences. Stuff that can be damaged – which means you need to protect it. That’s why commercial property insurance (also referred to as business property insurance) is one of the smartest investments you can make in your business.

    While unexpected accidents or events can happen anytime – storms, fires or other major setbacks – with business property insurance, you’ve got support and financial assistance to help you recover quickly.

    How commercial property coverage works

    Commercial property insurance coverage varies, but they’re generally classified by the type of event leading to a loss, and by what things are insured.

    Basic property insurance usually covers losses caused by fires or explosions, theft, vandalism and damage from vehicles or airplanes. Additional coverage referred to as “endorsements” can be added to provide additional protection for things such as earthquakes and broken glass.

    The key items insured in business property insurance include your building, office equipment, inventory and outdoor items on the premises.

    Taking inventory

    Before you meet with an agent, you should take an inventory of your business. This helps you determine what property you want to insure, what its replacement value would be and if it’s worth insuring.

    The property you might insure could include:

    • The building that houses your business. (If you lease or rent your space and are obligated to insure the building you occupy, there’s coverage for you too)
    • All office equipment, including computers, phone systems and furniture, whether they’re owned or leased
    • Accounting records and important company documents
    • Manufacturing or processing equipment
    • Inventory kept in stock
    • Fence and landscaping
    • Signs and satellite dishes

    How do you want things covered?

    Commercial property insurance plans pay for losses based on the replacement cost of the item or its actual cash value.

    • Replacement cost (RC) is the amount necessary to repair, replace or rebuild property on the same premises, with comparable materials and quality, without deducting any amount for depreciation.
    • Actual cash value (ACV) is the cost to replace it with new property of similar style and quality, minus depreciation.

    Typically, premiums for policies covering property insured on an ACV basis are lower because the limits only include the depreciated value. This amount might not be enough if you elect to insure the property on a RC basis. Your insurance agent can work with you to make sure you have your property adequately insured.

    Product, coverage, discounts, insurance terms, definitions, and other descriptions are intended for informational purposes only and do not in any way replace or modify the definitions and information contained in your individual insurance contracts, policies, and/or declaration pages from Nationwide-affiliated underwriting companies, which are controlling. Such products, coverages, terms, and discounts may vary by state and exclusions may apply.

    Cover Your Assets


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    Midland Car Insurance Agents #midland, #texas #insurance #agents, #midland, #texas #auto


    Car Insurance Agents in Midland, TX

    Find a Nationwide Insurance Agent in Midland, Texas

    Nationwide auto insurance

    Even with Midland’s vaunted public transit system, it’s all but impossible to enjoy all the city has to offer without a private use vehicle. Whether it’s a car, motorcycle, or truck, you can get dependable auto insurance coverage with Nationwide. Talk to one of our Midland auto insurance agents about the right coverage for your vehicle(s) and household, and discover how Nationwide has earned its 95 member satisfaction rating.

    Nationwide homeowners insurance

    Whether you live in one of Midland’s urban, suburban, or exurban neighborhoods, there’s no escaping Texas’s inclement weather and the related dangers that come with summer, winter, and every season. Talk to one of our Midland home insurance agents about the hazards that are covered in a standard policy and what supplemental coverage options make sense for your property, dwelling, and belongings. This includes exclusive products only available from Nationwide, like Brand New Belongings and Better Roof Replacement .

    Nationwide life insurance

    Ever since Midland founding it has been home to people with different lifestyles, family plans, and financial priorities. The city is proud of the continually increasing standard of living that has been achieved through generations of hard work and innovation. Let one of our Midland life insurance agents walk you through the different types of insurance, the right payout amounts, and other policy choices that make sense for your loved ones.

    Nationwide business insurance

    When it comes to protecting the gains made through hard work and innovation, Nationwide also offers a versatile selection of commercial insurance products for Midland’s businesses. Whether it’s professional services, consumer retail, or B2B contracting, whether your company sits on a busy storefront or it conducts its business completely online, our Midland business insurance agents can help you choose coverage.

    Personalized Quotes and Insurance Coverage

    Our online tool is a great way to explore your costs and policy options. Just tell us your zip and answer a few questions. You can then buy a policy directly online, but you can also talk to one of our Midland insurance agents at any point during the process.


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    What is Voice over IP? The Basics #voice #over #ip #solutions


    What is Voice over IP? The Basics

    What is voice over IP? How is it different from unified communications? And how can it help your small business?

    What is Voice over IP?

    Voice over Internet Protocol (VoIP) technology lets you use the Internet to make and receive telephone calls.

    What is Voice over IP. The Range of Services

    VoIP is available in a wide range of services. Some basic, free VoIP services require all parties to be at their computers to make or receive calls. Others let you call from a traditional telephone handset or even a cell phone to any other phone.

    What is Voice over IP. Equipment

    For VoIP, you need a broadband Internet connection, plus a traditional phone and an adapter; a VoIP-enabled phone; or VoIP software on your computer.

    What is Voice over IP. Security and Service Quality

    Most consumer VoIP services use the Internet for phone calls. But many small businesses are using VoIP and unified communications on their private networks. That’s because private networks provide stronger security and service quality than the public Internet.

    What is Voice over IP. Versus Unified Communications

    Unified communications systems offer more features and benefits than VoIP, yet many are still priced for small businesses. Unified communications brings together all forms of communication regardless of location, time or device. Faxes, e-mail, and voicemail are all delivered to a single inbox. You can integrate your phone and customer relationship management (CRM) systems to improve your customer service, and much more.

    What is Voice over IP. The Benefits

    VoIP and unified communications enable you to:

    • Reduce travel and training costs, thanks to web and video conferencing
    • Easily grow your phone system as needed
    • Have one phone number ring simultaneously on multiple devices, helping employees stay connected to each other and to customers
    • Reduce your phone charges
    • Have a single network for voice and data, simplifying management and reducing costs
    • Access your phone system’s features at home or at client offices, in airports and hotels—anywhere you’ve got a broadband connection

    Learn how Cisco Unified Communications can help your small business.

    Other articles you may be interested in:


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    Liautaud MBA (U of IL Chicago) vs Kellstadt MBA (DePaul) –


    Things to consider between Liautaud (U of IL Chicago) and Kellstadt (DePaul):

    • Liautaud (U of IL Chicago) is more difficult to get in. (43.6 percent vs. 45.9 percent acceptance rate)
    • Kellstadt (DePaul) has a larger full-time entering class. (28 vs. 23 students)
    • Liautaud (U of IL Chicago) has a lower in-state total program cost. ($47,396 USD vs. $70,560 USD)
    • Liautaud (U of IL Chicago) has a lower out-of-state total program cost. ($69,548 USD vs. $70,560 USD)
    • Both schools have similar summer weather.


  • Both schools have similar winter weather.

    Continue exploring this page to learn more about these business schools.



    University of Illinois-Chicago (Liautaud) (IL)

    DePaul University (Kellstadt) (IL)

    Average Undergrad GPA


    In-state Total Program Cost

    $47,396 United States dollars

    $70,560 United States dollars

    Out-of-state Total Program Cost

    $69,548 United States dollars

    $70,560 United States dollars

    Student Body

    University of Illinois-Chicago (Liautaud) (IL)

    University of Illinois-Chicago (Liautaud) (IL)

    University of Illinois-Chicago (Liautaud) (IL)

    Average Work Experience


    MBA/MMIS (Mgmt Info Sys)

    MBA Areas of Concentration


    601 South Morgan Street

    Chicago, Illinois 60607

    1 East Jackson Blvd

    Chicago, Illinois 60604

    Average Monthly Temperature

    Vendor Sites and AACSB. As of 2015. Show details Hide details

    Add to your comparison

    University of Chicago (Booth) (IL)

    University of Texas-El Paso (TX)

    University of Colorado-Boulder (Leeds) (CO)

    Related Topics On

    Top Business Schools in Massachusetts

  • Best MBA in Real Estate Colleges
  • Best Graduate Business Schools in Florida

  • Top Lists of Business Schools

    Suggested Comparisons

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    Business phone answering service #business #phone #answering #service


    Telephone Answering Services – Australia Wide

    About Call Service

    • We have over 60 years’ experience in the Telecommunications Industry
    • Up to 75% of clients are known to hang up upon hearing an answering machine or voice mail
    • We can provide you with a personalised service to meet your requirements where the caller believes they are contacting your office
    • All calls are answered and processed in Melbourne, Australia
    • Dedicated lines allows us to professionally answer with your company name

    What We can do

    • Answer the phone in your company or personal name
    • Store messages for you
    • Send messages to your mobile, pager, email or fax
    • Supply the latest in high technology alphanumeric pagers
    • Collect information from callers responding to a marketing or promotional campaign
    • Take messages when your office is closed
    • Provide a 24 hour “customer service department”
    • Filter and redirect general business enquiries
    • Be your emergency or breakdown service call centre
    • Relay messages in accordance with your roster
    • Provide regular reports of your messages by email or fax

    What are professional answering services?

    Our answering services are designed to help businesses field incoming phone calls 24/7, especially in cases where staff are not available. Calls are answered by our well-spoken live reception team in a professional manner and a predefined script is utilised to ensure the customer believes they are speaking with someone from your business. Our team is able to give your customers the information they need and/or take their contact details so you can get back to them at a later date.

    We also provide message forwarding and paging to keep you in the loop while you’re on the job, as well as emergency and lone worker services .

    Why get telephone answering services?

    Live answering services are significantly more effective than automated messages and studies show that 75% of customers do not leave voice messages or call again if their call is not picked up. In the communication age, customers expect that their enquiries be answered immediately. Speaking to a answering machine drives people crazy and with affordable rates and customised service, hiring a professional answering company is well worthwhile.

    Who uses live answering services?

    Answering services are ideal from small businesses and sole traders to SME’s and even larger companies looking to outsource some of the overflowed reception work during and after business.

    Our services are particularly useful for sole traders and one-person businesses that are often too busy to take the call themselves but don’t have the budget or resources for additional staff. This includes plumbers, electricians and even professional services such as doctors on call. Call Service has been operating in Melbourne since 1951 however we offer our services all over Australia and have clients in Sydney, Brisbane, Perth and Adelaide as well as rural areas. Because our team are locally-based and well-versed in the services of the business, your customers are sure that they’re talking to someone from within your office rather than an outsourced company.


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    Insurance Tampa #mynatt #insurance, #auto #insurance, #home #insurance, #business #insurance


    Mynatt Insurance: Insurance in Tampa / St. Petersburg and surrounding areas!

    Combining state-of-the-art technology and old-fashioned customer service

    Since 1925, Mynatt Insurance Agency has delivered peace of mind with insurance products designed to meet the needs of families and businesses throughout the Tampa Bay area. Located at 1316 West Busch Boulevard, Mynatt offers the kind of personal service that’s hard to find while providing unsurpassed efficiency and professionalism by using the very latest in computer hardware and software technology.

    Homeowner’s Insurance

    It’s the one place where you can always feel safe and secure. It’s where you make memories, raise children, celebrate holidays and live the majority of your life. Your home is your

    Auto Insurance

    Mynatt Insurance has been insuring drivers just like you throughout Pinellas County as well as the entire Tampa / St. Petersburg area for nearly a century

    Commercial Insurance

    Whether it’s a mom-and-pop convenience store or a shopping center, Mynatt Insurance understands the needs of today’s business owner

    Mynatt Insurance Agency is proud to be an independent insurance agency servicing thousands of clients from first-time homebuyers to local businesses in need of superior protection from a variety of risks.

    At Mynatt Insurance, the focus is always where it belongs: on you.

    We look forward to meeting all of your insurance needs, including:

      • Homeowners and Renters Insurance
      • Auto Insurance
      • RV / Motorcycle / Boat Insurance
      • Life Insurance
      • Health Insurance
      • Dental Insurance
    • Commercial Insurance
      (including commercial property, general liability, worker’s compensation, business automotive and all ancillary products)
    • Specialty Coverage
      (Hole-in-One Insurance, Event Insurance, etc.)
    • Flood Insurance
    • and so much more


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    Hargrove – Associates, Inc #business #intelligence, #business #intelligence #services, #custom #development,


    Turn your data into a powerful asset with HAI.

    Turn your data into a
    powerful asset with HAI.

    For 25 years and counting, Hargrove & Associates, Inc. has been helping companies, manufacturers and trade associations make better business decisions backed by meaningful data. Businesses small and large in the United States and across the globe depend on our people, processes, and technology.

    Partner with us for forward-looking, dependable solutions for your data processing and business analysis needs.

    Business Intelligence

    Custom Development

    Technology and tools built to your unique business needs.

    First, we help you define measurable business goals. Then, we custom build the tools you need to collect, manage, and output your data.

    We believe technology should be flexible and responsive so you can get data when you need it whether you’re working at your desk or consulting with a vendor in the field.

    Plus, we’re Microsoft certified and pride ourselves on integrating our technology with today’s business tools while monitoring the trends of tomorrow.

    Data Processing Services

    From data collection to curation, we’re here to help.

    Our experienced support team can help you collect, process, and distribute your data. We can also help your team understand how to use your data effectively and efficiently because data is only as good as the people using it.

    Ask us about our customizable training and continuing education services for our technology and reporting tools.

    Meet Our Team

    We are dedicated stewards of your data.

    As the trusted protectors of your data, we promise honesty, integrity, and dependability. We have the capacity to handle your current needs and anticipate future challenges.

    Our team of motivated and skilled professionals take pride in helping you maximize your data, and have the ability and foresight to evolve with your changing needs.

    Stan Hargrove

    Claire Hargrove

    Brian Seebacher

    Dustin Carlson

    Matthew Corcoran

    Laurel Ogren

    Koni Kogan

    Nathan Groon

    Raj Abbu

    Kim Strauss

    Let’s Connect

    Tell us what you need.

    Great partnerships begin with a simple introduction. We’d love to meet you and discuss your data processing and business analysis needs. Drop us a line today and we’ll be in touch soon.

    You can always reach us at (612) 436-5500.

    Thank You!

    Expect to hear from us soon.

    2015 Hargrove Associates, Inc.

    100 North 6th Street, Suite 306B, Minneapolis, MN 55403 USA
    +1 612 436 5500

    Hargrove Associates, Inc. // 100 North 6th Street, Suite 306B, Minneapolis, MN 55403 USA // +1 612 436 5500


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