Small Business Web Hosting, Best Web Hosting, HostPapa, free small business


Award Winning Web Hosting

For over a decade we’ve helped business owners, entrepreneurs, bloggers and digital enthusiasts make their online vision a reality with award winning web hosting services. For both personal and professional websites, we are the web hosting company you can rely on. We have the technology to ensure your site runs smoothly and we’re here for you every hour of everyday. Want to succeed online? Use HostPapa web hosting services to power your website.

Web Hosting Services From HostPapa

Running a website doesn’t have to be hard work! Our customer service experts our Papa Squad are here for you at every stage of your website development. Need help registering a domain and configuring your email? We have everything covered! We’ll make sure that your website runs smoothly, loads quickly and is ready to handle the constantly evolving industry of internet marketing. Websites contain more data than ever before, and you need to know your web hosting company can provide you with the power and speed you need to keep your website running smoothly.

With a web hosting plan from HostPapa, you’ll get a dedicated, professional IT team, without the cost! The Papa Squad is ready to tackle any of your web hosting issues, and we’re ready to help 24/7. The Papa Squad are technical customer service experts with the knowledge and experience to help you solve any web hosting challenge that your website may face. No matter how many visitors, the amount of traffic or the number of orders your website receives, we’re here to make sure your web hosting solution can handle it all.

We provide industry leading web hosting services as well as top of the line customer support for the most popular CMS and website platforms including WordPress, Joomla, Coppermine, Drupal and Abantecart. We’re equipped to provide our global customers with reliable, affordable web hosting technology that will help you achieve your goals.

Green Energy Web Hosting Services

We’re extremely proud to be able to offer the greenest options for web hosting. Data centres use a lot of electricity, and our state of the art facility was designed to be environmentally and technologically efficient. Protecting the planet matters, and our green data centres allow you to run your website effectively both in terms of technical performance and environmental consumption. We’ve been helping websites succeed online for over 10 years, and we’re ready to yours do the same.


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How to Transfer a Credit Card Balance – ABC News #credit,




Yahoo!-ABC News Network | 2017 ABC News Internet Ventures. All rights reserved.

How to Transfer a Credit Card Balance

Here is what you need to know before and after a credit card balance transfer.

Credit card balance transfers can be an invaluable tool for managing credit card debt. This tactic allows cardholders to move their debt from a card with a high interest rate to one with a lower interest rate, or no interest charges at all.

While it’s not inherently complex to transfer a credit card balance, there are still several important things that cardholders need to be aware of before, during, and after.

Before You Transfer a Credit Card Balance

1. Make sure you keep up with all of your payments. This will allow you to maintain excellent credit and find a balance transfer offer with the best possible terms. The right card may be one you already have with a lower interest rate than the one you are using, or it may be a new card with a 0% APR promotional balance transfer offer. In fact, you may be able to get a promotional financing offer from one of your existing accounts, possibly in the form of a convenience check.

2. Understand all of the terms and conditions of the balance transfer. Know what the card’s credit limit is, its interest rate on balance transfers, and what the balance transfer fee will be. Balance transfer fees are typically 3 percent of the amount transferred, but not always. Chase Slate currently has the only 0 percent APR promotional balance transfer offer with no balance transfer fee, although others can have fees as high as 5 percent.

In the case of promotional financing offers, learn how long you have to complete a qualifying transfer, and the length of the promotional financing period. Typically, promotional balance transfer offers must be completed within 30 days to four months of the account opening, and can last from between six and 18 months. Keep in mind that even though the terms might not explicitly say so, banks will not allow balance transfers between their own accounts.

3. Make a plan. Come up with a sound financial plan for paying down your debt. otherwise your balance transfer is just another form of postponing your obligations.

Making the Transfer

Contact the bank that you are transferring the balance to and ask to perform a balance transfer. Be prepared to give the account information for the other card, and the total amount you want transferred.

After the Transfer

Continue to make at least the minimum payment required from the old credit card, and if you have paid your entire debt, make sure to get a statement from your bank. However, keep your old account open in order to maintain a low credit utilization ratio. which will help your credit score.

Most importantly, stick to the plan that you created to reduce your debt. Recognize that it probably will not be possible to take advantage of promotional financing offers over and over again.

By understanding some of the nuances of balance transfers, cardholders can use these offers to save as much money as possible on their credit card interest charges.

This work is the opinion of the columnist and in no way reflects the opinion of ABC News.


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Licensed, Bonded, and Insured – What Does That Really Mean? #what


Licensed, Bonded & Insured – What Does That Really Mean?

The old saying, “If it sounds too good to be true, it probably is,” can be especially true when hiring a contractor. Competition is fierce in the construction business and the consumer is in a good position to demand quality work at a fair price. But skimping on credentials is not the best way to get a job done cheaply. Hiring a contractor that is not licensed, bonded, and insured places the consumer at significant risk and can cost thousands more in the long run.

So what exactly does it mean to hire a licensed, bonded, and insured contractor?

LICENSED – The Washington State Department of Labor & Industries requires contractors be licensed as either a general contractor or a specialty contractor, like drywall or painting. Licensed electricians, plumbers, elevator mechanics, and manufactured home installers require special certification, in addition to a license. The contractor’s license number must be posted on any marketing materials such as their website, business card, or print advertising. Anyone can visit the Department of Labor & Industries website and search for a contractor by name or license number. This search will tell you if their license and insurance premiums are current and if they have any judgments against them, as well as a lot of other information. Once licensed the contractor is bound to comply with state building procedures and standards. If a property owner hires a contractor that is not licensed, they may not be protected by state policies. There is often very little that can be done if an unlicensed contractor disappears from a partially completed job or does a job incorrectly. News stories are seen regularly of contractors disappearing with deposits or full payment in some cases, botched jobs requiring even more money to re-do them correctly, and sometimes much worse. In a down economy such as we are experiencing, many contractors have been forced for monetary reasons to let their license lapse. Construction companies have laid off many of their crew. These circumstances have resulted in many unlicensed contractors and construction crew willing to work for less and to be paid in cash.

BONDED – Contractors licensed in Washington State must be bonded. A bond is essentially a pre-paid savings account with a bank or insurance company that sets money aside in the event a project is not completed according to the contract between the property owner and the contractor. This bond or agreement, binds the contractor to the contract with the property owner. If the work is not completed according to the contract the bond will cover any expenses (up to the bond amount) required to complete the job satisfactorily. General contractors are required to hold a $12,000 bond and specialty contractors a $6,000 bond. If the project is expected to exceed these amounts, the property owner can ask the contractor to post a performance bond . A performance bond covers the full cost of the project and guarantees the property owner compensation for any monetary losses if the job is not completed according to contract. Only the property owner can make claims against a performance bond but it is important to ensure the contract is very specific about the work to be completed.

INSURED – Licensed contractors in Washington State must also have general liability insurance. Minimum requirements include $50,000 in property damage and $200,000 in public liability, or a $250,000 combined single limit policy. Damage to persons or property due to contractor negligence may be covered by this policy. In some cases, the property owner could be held liable for personal injury if the contractor does not have insurance. If the contractor has employees they are required to have a workers compensation and industrial insurance policy. Contractor employees injured on the job would be covered by this policy. To verify if a particular contractor’s employees are covered, first pull up the contractor details and click on the link to Verify Worker’ Comp Premium Status .

In addition to working with a licensed, bonded, and insured contractor, there are several other steps to ensure your home improvement project goes smoothly. Having a clear understanding of what you want done is important. The contractor must have a good understanding of your needs and wishes to provide a comprehensive bid and scope of work. This is especially helpful when interviewing multiple contractors to ensure estimates actually compare apples for apples. Speak with several qualified contractors and evaluate their written bids. A comprehensive estimate should include a scope of work, materials needed/agreed upon, subcontractors to be used, estimated time to complete the project, price, permit fees, payment terms, warranties, and procedures for change orders. For residential jobs over $1000, the contractor must provide the property owner a Disclosure Statement outlining the customer’s rights and responsibilities and information regarding liens. Once you narrow down your choices, speak with several references, particularly of jobs that are similar to yours. If possible, visit a job in progress. Once you have decided on a contractor and the project begins, meet with the contractor regularly. Make sure work is progressing according to the contract and schedule. Check that the proper permits have been obtained and required inspections are conducted. Once the project is completed, do a final walk-through with the contractor and make sure any pending items are completed before making final payment. If you request lien release documents, avoid making final payment for work performed until you have received the lien release.

Habitat For Humanity

Habitat for Humanity is a nonprofit organization that builds or renovates housing in partnership with families who meet their criteria and qualify for homeownership. Each home is built through volunteer labor and donations of money and materials, alongside and with the help of the partner families. Do you want to get involved? Volunteers are always welcome. Providing general labor (no prior experience required!) and administrative assistance is a fun and interactive way of getting involved. Donations of building materials and household appliances are always needed. And of course tax-deductible monetary donations are always welcome.

Contractor Hotline is excited to be part of this humanitarian effort. Beginning January, 2010 we have committed to volunteer one Saturday per month at the current construction site in Everett. Call Cari at 425-775-9085 for our work schedule if you would like to join us! Starting April 1, 2010 we will also donate a portion of our proceeds from each completed job directly to Habitat for Humanity. So every job you have completed through our services will help benefit Habitat for Humanity!

Contractor Hotline LLC

Organize the garage or storage area

Clean up the yard

Referral Appreciation Program

Many of our satisfied customers are spreading the word, helping to connect their friends and family with reliable contractors and helping us grow and be available to meet your needs. To express our gratitude we are pleased to ‘give back to you’ for any referral that results in completed work. For new customers referred that result in $500 or more per business transaction, you will receive a $25 American Express cash gift card. For new customers referred that result in anything less than $500 per business transaction, you will receive a $10 Starbuck’s gift card. Contact us directly with your referral’s information, or simply ask them to mention how they found out about us.


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Christian Carpet Cleaning & Water Damage Repair 513-831-4920 #carpet #cleaning, #carpet


Linda Joseph / Mason OH
I had a problem area at my front door that was very dirty and it was also wrinkled so badly that it was difficult to close my door. Very embarassing when someone came over. The guys from Christian Carpets not only took out the wrinkles but they cleaned it also and it looks like new! Thanks guys.

Terry K. / Florence KY
I just wanted to say thanks for squeezing me in on the sameday of the call. My carpets look great!

Deloris B. / Madeira OH
We had a very severe pet urine odor situation in the basement that we just couldn’t get rid of. Justin and Mike pulled my carpet back and showed me how severe the damage was underneath. No wonder the smell was so bad! They replaced my padding and treated the back of the carpet and sure enough the smell went away!

Karen / Fairfield OH
I manage a large apartment complex in North Cincinnati and I have been using the guys from Christian Carpets for years. They do all of my cleaning as well as carpet stretching carpet repairs. I have always been happy with their work and I especially love being able to call on short notice and get service on the same day!

Cincinnati Carpet Cleaning and Water Damage Restoration. Welcome to Greater Cincinnati’s Only “TRUE” Full Service Carpet Cleaning Company Water Damage Restoration Company.

We are proud to say that in 2007 – 2010 we completed more combination “Carpet Stretch Clean” jobs that any other company in Greater Cincinnati Ohio!


A Member


Full Service Water Damage Restoration

Our certified technicians are able to complete the entire job from the initial water extraction to the reinstallation of your carpeting. We utilize digital moisture sensors and the latest dehumdification processes. For our 24 Hr Emergency Hotline, Call 513-557-0517.

Our Water Damage Restoration Division Teams are experts in Water Extraction, Structural Drying, Water Damage Cleanup, Flooded Basement Dryouts, Sewage Backup Cleanup and Restoration for both commercial and residential clients. Whether you need Repairs for a Flooded Basement, Water Damaged Walls and or Ceilings, Flooded Wood Floor, or any other repairs caused by water or mold; don t hesitate. Serving Greater Cincinnati Ohio. If you need water damage restoration in Cincinnati call us.

We pay up to 25% of your Deductible!

Cleaning carpeting and then spraying on a deodorizer does not always work when dealing with pet urine related odors.

If the urine has soaked thru the carpet backing and soaked into the padding, then for the treatment to effectively work – the back of the carpet and the padding should be exposed and treated.

Because every situation does not require such a aggressive approach, we do offer a basic “clean and deodorize” that works just fine for most situations that we come across. Call your Cincinnati Carpet Cleaning and Water Damage Restoration company to solve your pet urine related issues.


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BYU grad students ranked high in top law and business school


BYU grad students ranked high in top law and business school categories by Princeton review

In preparation for an anticipated flood of college graduates, the Princeton Review published “The Best 168 Law Schools” and “The Best 296 Business Schools” on Tuesday, each with 11 different ranked categories.

Two Brigham Young University graduate programs ranked near the top of those lists.

The Marriott School of Management ranked second for most family friendly business school, while the J. Reuben Clark Law School was third in two law-school categories — most competitive students and most conservative students.

The University of Utah was also profiled in each book as being among the best law schools and business schools, though it was not on any of “Top 10” lists. Additionally, Weber State University was profiled among top business schools.

“All of the rankings in both books are based completely on student survey,” Rob Franek, senior vice president and publisher for the Princeton Review, said. “It is the opinion of students at BYU, and the other hundreds of schools.”

BYU has been a consistent top-runner among the best law and business colleges in the United States, Franek said, and those graduate schools are amongst the most powerful in the nation.

The BYU business school has made the top five family friendly list for years.

“It’s a ranking we’re certainly proud of,” said Robert Gardner, director of Alumni Relations. “It’s not one we are necessarily surprised by. It’s one we’ve always ranked well in with our family culture here. We love that ranking and we expect it to continue in that way.”

Among the MBA class that will graduate in April, 76 percent are married, up from 64 in the previous class. The percentage of married students in the MBA program is usually somewhere in the mid-to-upper 60-percent range, Gardner said, so this is a high year.

The survey questions for the family friendly category pertain to the happiness of married students, the number of kids students have and the help the school gives to students’ spouses and children.

“We have an active MBA spouse association that makes sure spouses are well-networked and well-supported,” Gardner said. “Last month they had a family barbecue at a park near campus. They set up regular meetings. It’s activities like those that really make a difference.”

The law school has consistently ranked high on the most-competitive and most-conservative lists, sitting in the top four on each since 2008.

For the most-conservative students category, known in past years as “students lean to the right,” surveyed students were asked if there was a prevailing political bent at the school and how they would categorize themselves, Franek said.

The answers students can choose from are: very liberal, liberal, middle of the road, somewhat conservative and very conservative.

“We ask students in 368 law schools and compare school to school,” Franek said. “Compared to other schools BYU has consistently been on this list.”

For the competitive category, students are asked about the number of hours they study outside class, hours of sleep they get nightly and the number of hours they believe their peers in the school study outside class.

“It is partially about their experience and partially their perception of others,” Franek said. “It speaks directly to their academic experience.”

On average, 107 students at each law school and 64 students at each business school were surveyed for the lists in the books’ 2013 editions. The survey is annual and students can fill it out throughout the school year at .



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West Virginia Small Business Development Center, business funding sources.#Business #funding #sources



The West Virginia Small Business Development Center helps business owners access the resources they need to be successful. Read through our Frequently Asked Questions to learn more about what the WVSBDC does and how our coaches work with entrepreneurs. If you’re looking for capital for your business, check out our list of Potential Funding Sources. From loans and microloans to peer-to-peer lending and crowdfunding, small business owners have a number of options. A WVSBDC business coach can help you leverage that capital to build a successful business. At the WVSBDC, your business is our passion.

Business funding sources

Frequently Asked Questions

Who does the Small Business Development Center (WVSBDC) help?

The WVSBDC serves businesses with fewer than 500 employees, including new ventures, growing companies and mature businesses. Our primary function is to be a resource to existing businesses that need information or assistance to become more innovative and competitive, but we also have resources and tools for those starting a new business.

What kinds of assistance does the WVSBDC provide?

We offer free one-on-one business coaching services, which enable businesses owners to expand their companies, solve problems, improve management, develop new ideas for products or services, or investigate new business opportunities.

We help the inexperienced businessperson to understand the requirements for going into business, assess business opportunities, determine financial needs and potential sources of financing, and offer guidelines on business planning and marketing.

One important aspect of WVSBDC assistance is that we don’t actually do things for you so much as we try to equip you with information and resources to do things for yourself.

Does the WVSBDC provide financing?

The WVSBDC does not provide financing. Our assistance is technical and educational in nature.

The WVSBDC can help you identify what financing you may need and discuss alternative sources. We can also advise you how to improve a loan application and business plan. We work with banks and other lending agencies and organizations to assist in putting together financial projections, but the actual financing comes from outside sources.

What does it cost to use the services of the WVSBDC?

The services of the WVSBDC are provided at no charge thanks to the support of the Small Business Administration and our local fiscal supporters. Nominal fees are often charged for training workshops.

How can I get assistance from the WVSBDC?

There are several ways to take advantage of WVSBDC resources.

This website has a wealth of information to assist you and answer questions. Take some time to scroll through the Resources pages, and review the Training Calendar.

If you are starting a business, consider attending one of our Business Fundamentals workshops. There you will learn about the start-up process, important considerations and decisions you should make before you start, the various regulations and registrations, and the fundamentals of a business plan.

If you are already in business and would like one-on-one business coaching, contact us to set an appointment. We’ll ask that you complete an intake questionnaire. We’ll also suggest you bring financial information, marketing materials, etc. to our meeting to help us better understand your business.

Can the WVSBDC recommend the best business for me to start?

Our experience shows that successful entrepreneurs usually have a solid understanding of their new ventures. This means that they or members of their management team have operated a similar business before, or that they have unique skills and contacts that enable success.

We don’t believe it is a good idea to simply pick a business from somebody’s list of “Best Businesses to Start.” Rather than suggest a business to you, we encourage you to evaluate your experiences, unique skills and strengths, location and what you think you’ll be most happy doing.

What can I expect from a meeting with a business coach?

The business coach will ask pertinent questions, listen to your needs and tailor the session around your specific experience and concerns. You will leave your first meeting with a list of to-do items to start you on your way!

Is there a limit on how many times I can see a business coach?

You can see the business coach as often as you need. If you find that you have all the information after one meeting, that’s okay. But, if you need ongoing help or support, the business coach is more than happy to do that, too.

Who funds the WVSBDC?

All WVSBDCs are supported by a mix of federal funds from the U.S. Small Business Administration (SBA) and matching funds from local hosts and support agencies. The WVSBDC is one of four divisions of the West Virginia Development Office, the state’s lead economic development agency.

Potential Funding Sources

If you are looking for funding to start or grow your business, these links may help you research possibilities. WVSBDC does not provide direct funding, nor do we endorse any non-government websites, companies, or applications. We cannot attest to the accuracy of the information provided by third-party sites or any other linked site. These listings and links are provided for reference only.


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What is business intelligence? #web #business #intelligence


What is business intelligence?

Business intelligence (BI) simplifies information discovery and analysis, making it possible for decision-makers at all levels of an organization to more easily access, understand, analyze, collaborate, and act on information, anytime and anywhere. This definition for BI demonstrates that traditional analyst-driven BI applications have evolved to include multiple initiatives to measure, manage, and improve on the performance of individuals, processes, teams, and business units. For this reason, Microsoft delivers BI tools that can give every employee access to the data required to make informed decisions and that have the flexibility to work the way they do. As a result of extending the definition of BI, Microsoft sees information and insight flowing steadily between three main categories of BI: personal (, team (, and organizational (

During the course of business, the following questions must be asked. The functions of monitoring, analyzing, and planning delve into these questions.

What has happened?

What is happening?

What will happen?

What do we want to have happen?

Microsoft Office PerformancePoint Server 2007 provides applications that help you monitor, analyze, and plan. This section describes the ways Microsoft delivers business intelligence.

The Microsoft BI stack

Business intelligence is achieved with the following actions and corresponding tools.

Provide quality data: Business intelligence is built on the scalable and reliable SQL Server 2005 platform with a powerful relational database management system, SQL Server Integration Services, SQL Server Analysis Services, SQL Server Reporting Services, and SQL Server data mining capabilities. For more information the SQL Server 2005 BI platform, see About business intelligence; data warehousing ( on

Gain deeper insight and facilitate better decision making: Reporting and analysis are the capabilities that allow you to gain deeper insight from your data. To learn more about reporting and analysis, see About Business Intelligence: Reporting ( on

Align decisions with corporate goals: PerformancePoint Server is a powerful performance management application that provides the infrastructure to link executives, line-of-business managers, or individual contributors to the overall corporate strategy.

For more information about business intelligence, see Microsoft Business Intelligence frequently asked questions ( on Microsoft Office Online, About Business Intelligence ( on, and watch Why is Business Intelligence Important? (

See Also



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7 Reasons to Lease Your Next Used or New Phone System


7 Reasons to Lease Your Next Used or New Phone System

22 February 2007

7 Reasons to Lease Your Next Business Phone System, New Phone System or Used Phone System
By: Mark Allen

  • Conserves Capital: Leasing conserves valuable company working capital and preserves your bank credit lines.
  • Offers a Convenient Application: Provides Quicker Approval with Fewer Hassles.
  • Preserves Bank Credit Lines: Leasing lets you put your equipment to use immediately to generate revenues – with minimum budgetary impact.
  • Cost: Lease financing is generally more expensive than bank financing, but in most instances it’s more easily obtained.
  • Gives Flexible Payment Options: Leasing permits 100% financing with no down payment, so you get the equipment you need without a major cash outlay. With leasing, you can arrange long, flexible terms with low monthly payments.
  • Allows for Easy Upgrades and Add-Ons: What if your business is growing and you need to add phone equipment. In most instances, the leasing company will allow you to add this equipment to your existing lease
  • Lease payments are fixed, not adjustable: You don’t have to worry about floating interest

    Frequently asked questions:

    Is leasing of new and/or a used phone systems appropriate? Any business at any stage of development leasing is always an alternative. For start-up businesses with no revenues, small ticket leases as in phone systems, those of $100,000 or less, are feasible on the personal credit of the founders or owners.

    Is there a supply leasing funds for used phone systems and new phone systems? Abundant. Of the billions of dollars individual and institutional investors pour into the capital markets each month, a good hunk finds its way to leasing companies that use these funds to purchase equipment on behalf of small businesses. With more and more money flowing into the markets, leasing companies are flush with capital. As a result, they are eager to do business and respond to competition with lower monthly rates.

    Can other costs be included in lease of business phone system? Leasing can also finance the soft costs often associated with equipment purchases, such as installation and training services.

    How hard is it to obtain lease financing for a used phone system? Easy for leases of less than $100,000. An application for a small-ticket lease is generally no more complex than a credit card application. Leases for more than $100,000 require detailed financial information from the business, and the leasing company conducts a more thorough credit analysis than it would for a smaller transaction.

    How do I find a leasing company for by new or used business phone system? Finding an equipment-leasing company is easy. Almost any phone system equipment a phone system installer could conceivably provide offers a lease option. What are the lease option terms I can expect for new phone systems and used phone systems? Usually the leases are set up in terms of 24, 36, 48 or 60 month terms.

    What are my purchase options of this phone system at the end of the lease?

    $1.00 Buy Out: At the end of the lease term, lessee may purchase the equipment for $1.00. (Most popular because then you can own the equipment at the end of the lease for $1.00. The monthly payment is only slightly higher then the other purchase options.)

    10% Purchase Price: Customer may purchase the equipment at the end of lease for 10% of the original transaction cost.

    Fair Market Value: This program gives you the most flexibility with upgrades to combat obsolescence. At the end of the lease term the lessee can continue to lease the equipment, return the equipment or buy it at its fair market value.

    What is my down payment? The options are usually no down payment, one months lease, or first and last month’s lease payment.

    In summary, conserve capital with monthly lease payments on your business phone system, installation and voice/network cabling. Though it’s not apparent at first glance, the company offering the lease financing for your used phones or new phones is not the same one that is selling the equipment. The company selling the equipment simply makes a direct referral to a leasing company with which it does business.

    It’s a good idea to get a quote from the leasing firm referred by the company that wants to sell you the equipment. The quote should be competitive. After all, the company selling products wants to sell as many as possible, and it surely doesn’t win any points by referring a leasing company that gouges its customers. But it also pays to get another quote. Usually, the company selling the equipment works with more than one leasing company. Or ask a friend or a business associate for a referral.

    For Your Free ‘Leasing Guide’ Go to our eBay Store and email me at the link below:

    phone systems

    used phone systems


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  • Case Study: Solving Call Center Employee Attrition #talent #analytics, #talent #intelligence,


    Case Study: Solving Call Center Employee Attrition

    Business Challenge:

    A global financial services firm was experiencing 60% voluntary attrition among Customer Service Representatives (CSRs). They hired close to 30,000 CSRs annually, making this an unrecoverable multi-million dollar expense. To be placed in a full-time role these CSRs had to pass a Series 7 exam. In preparation for this exam, new hires were paid for 12 weeks of training culminating in a Series 7 exam. If they did not pass the first time they were fired.

    Enter Talent Analytics.

    By selecting candidates that are more likely to pass training, we get more agents past that hump and onto the phone where they begin to provide value to their employer. Fewer candidates waste their own time in a career that they ultimately don’t want. The contact center spends less money acquiring, recruiting and training agents. Performance goes up. Engagement goes up. Attrition goes down. Customers feel it.


    “This work had tremendous impact on the bottom line of our business, and the quality of service we gave our customers. Within months of hiring people with characteristics that Talent Analytics correlated to high business performance, employee turnover dropped by over 30%, yielding a multi-million dollar annual savings.” – EVP, Financial Services Firm

    Request this Talent Analytics Case Study to See Our Approach in Action.

    Subscribe Connect

    “Within a single dashboard view, Talent Analytics’ Winning Roles predictions allows data scientists to upload and update candidate prediction models. This enables hiring managers and HR leaders to instantly identify great candidates, dynamically compare them to multiple open positions, and place the candidate where those models predict them to succeed. Advisor is the only platform on the market today that brings together both the business and science of workforce planning.”

    Chad Harness, VP and Lead Human Capital Analytics Consultant at a large regional US bank


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    Accion, Investing in Individuals, accion business loans.#Accion #business #loans



    Accion business loans

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    Explore the stories of our clients and their families

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    Read stories about financial inclusion at the frontlines on Medium or on our blogs.

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    Learn how we’re helping to bring about the conditions to achieve full financial inclusion worldwide.


    Despite the fact that they are wealthy and modern, cities like Dubai in the Gulf Cooperation Council (GCC) actually face a big financial inclusion.

    This week and next, three Accion staff — myself, Pablo Antón Díaz, and Kathleen Yaworsky— are working with about a thousand other people to make.

    There’s been a lot of chatbot chit-chat in the financial inclusion space recently, and for good reason. In addition to driving down customer support.

    The following is from an interview with Daw Yin Yin Myint, 44 years old, who inherited her family’s wood carving business two decades ago. She’s.

    The vast majority of businesses in the Philippines — 99% or more — belong in the micro, small, and medium (MSME) category. However, the same does not.

    Women own 36 percent of all registered businesses in the United States, but women-owned businesses, or WOBs, account for only 4 percent of U.S.

    Latest News

    Dubai, August 22, 2017 – NOW Money has secured an investment of $700,000 from two U.S.-based venture.

    WASHINGTON, July 30, 2017 /PRNewswire/ — The Center for Financial Inclusion at Accion (CFI) and the Institute of International Finance (IIF.

    CAMBRIDGE, Mass., July 18, 2017 — Accion’s strong financial health and commitment to accountability and transparency have earned it a 4-star.

    Accion business loans

    2016 annual report from the Accion Frontier Inclusion Fund, managed by @QuonaCapital: 7 investments in #fintech for…

    Global Impact

    We invite you to explore the stories of our clients and their families. They inspire us, and they serve as good examples of how millions of brave and industrious people are working their way up the economic ladder, with dignity and pride.

    Accion business loans

    Chai shop owner and client of Accion partner Saija Finance Private Limited

    Accion business loans

    Clothing manufacturer and client of Accion partner Financiera Credinka

    Accion business loans

    Restaurant owner and client of Accion partner SogeSol

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    Read stories about financial inclusion at the frontlines on Medium or on our blogs.

    Accion business loans

    Learn how we’re helping to bring about the conditions to achieve full financial inclusion worldwide.


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  • IUPUI Registrar – Course Offerings #iupui, #registrar, #student #records, #records, #iupui


    Office of the Registrar

    Course Offerings

    The list of scheduled courses offered at IUPUI for a given term is typically released one month prior to the beginning of priority registration. Spring courses are available in October, Fall courses in late January or February, and Summer courses in December.

    Viewing Course Offerings via One.IU:
    A real-time display of course availability and the open or closed status of individual classes is publicly accessible from One.IU using two different search tools – the SIS Class Search and the iGPS Course Search. Both tools offer a variety of filtering options to narrow search results.

    • SIS Class Search
    • 1. Navigate to: .
    • 2. Click in the Search box and type schedule of classes and press ENTER.
    • 3. Click the schedule of classes task icon
    • iGPS Course Search
    • 1. Navigate to: .
    • 2. Click in the Search box and type search courses and press ENTER.
    • 3. Click the Search Courses (Public) task icon

    Course Listings By Department
    If you are accustomed to reviewing the list of classes by subject that has historically posted on this website, please know this information is still available to you through the Class/Course Search tools above.

    Using SIS Class Search.
    Select the Institution, Term, and Course Career. Then insert the Department Code listed below that corresponds with your area of interest into the Course Subject field within the Class Search page. Click Search.

    Using the iGPS Course Search :
    Select the Campus. Degree Level. and Term Offered. Then enter the Department Code listed below into the Search field and click GO.


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    Small Business Loans #business #advance #loans


    Small Business Loans

    A small business loan is simply money you borrow to help pay for what your business needs. Use our small business loan to pay for virtually anything you need for your business, including:

    • Equipment financing
    • Location expansion
    • Hiring new employees
    • Marketing campaigns
    • Upgrading technology
    • Debt consolidation
    • Additional inventory

    Check out this 78-second video to get the low-down on all of your burning small business loan questions:

    Types of Small Business Loans

    When you re browsing for small business loans, here are some of the types you ll likely run into:

    • Working-capital loans give small businesses the ability to keep operations going while they increase their revenue streams.
    • Equipment loans provide financing for office equipment, tools, computers and mobile devices, machinery and vehicles necessary for running your business.
    • Professional practice loans help service providers in industries such as legal, accounting, insurance, health care and others to purchase real estate, renovate office space or refinance debt.

    Benefits of our Small Business Loan

    RapidAdvance is the partner you can count on to help grow your business – the way you want.

    Our team of dedicated business advisors (yes, they’re real people!) will work with you to figure out your goals before recommending a funding solution that’s tailored to your needs.

    Apply online in minutes, get approved in a few hours and access funds in as fast as one day!

    Higher Approval Rates

    Approval for funding is based on the overall health of your business, not just FICO score.

    Daily scheduled payments mean no large lump sums are waiting for you at the end of the month.

    We offer terms up to 18 months and business funding amounts ranging from $5,000 to $1,000,000 so you can unlock your success.

    How to Prepare Before You Apply

    When you know you need business funding, you can prepare before you apply for a small business loan by asking three questions:

    1. What are you going to fund with the money?
    2. How much do you need to accomplish that goal?
    3. How long will you take to pay it back?

    After you know these answers, it ll be easier for you to complete the loan application processes.

    Small Business Loan Requirements

    Even if you ve only been around for a little while, you may still qualify for a small business loan.

    Here are the two main requirements we look at:

    • You ve been in business for two years or longer.
    • Your monthly revenue is $5,000 or greater.

    Credit score not so great? Don t worry about it! Sure, we look at it, but it s not the only thing we consider.

    Ready to Apply?

    We ll need a few pieces of information to get started processing your application, so have these documents handy:

    1. Government-issued photo ID
    2. Voided check from your business checking account
    3. Last three statements from your business bank account

    We make it easy to apply for the money you need. Just click to get started online or give us a call at 800-631-3370. After that, you ll know in just a few hours if you re approved and be able to access the funds in as little as one day.

    Looking for other types of loans?

    If our Small Business Loan isn’t what you’re looking for, be sure to check out the other funding solutions we offer, including our Merchant Cash Advance. Line of Credit or SBA Bridge Loan.

    We’ll help you do great things


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    Business Loan for SME in Malaysia #business #loan, #loan #malaysia, #small


    SME Loans

    Need a business loan but have minor CCRIS problem and no guarantor?

    Need additional working capital but have no asset or collateral?

    We are a business loan consultancy team consisting of ex bankers and lawyers. We assist SME and SMI entrepreneurs to arrange for credit facilities from conventional or islamic banks. Common needs for financing include:

    Loans for Asset Acquisition

    Asset acquisition is one of the many strategic ways to expand your business. Some of the available business loan products for asset acquisition include:

    Term Loan
    Term loan is for a specific amount that has a specified repayment schedule and a floating interest rate. It is useful for acquiring assets such as land, buildings and vehicles.

    Bridging Facilities
    An interim financing (usually one year) to allow the borrower to meet current obligations by providing immediate cash flow pending the arrangement of larger or longer-term financing.

    Leasing is a contract by which one party conveys land, building, equipment or machinery to another for a specified time, usually in return for a periodic payment. It enables SME to acquire the usage of physical assets without having to purchase.

    Industrial Hire Purchase
    Financing to upgrade or buy machinery and equipment as part of expanding your business capacity without incurring high upfront payment thus freeing up funds for other uses.

    Short Term Financing for Working Capital

    To run smoothly, your business needs working capital i.e. the cash available for day-to-day operations of an organization. There are various products offered by financial institutions to provide additional liquidity to your business. And these include:

    An overdraft is a credit facility loaded to your current account where the bank extends credit to meet working capital needs such as payment of salaries, purchases, utilities and other unplanned expenses. Although overdraft provides flexibility and convenience the interest is high as it is calculated on a daily basis on outstanding balance at the end of each business day.

    Revolving Credit
    Revolving credit (also referred to as line of credit LOC) is a type of credit that does not have a fixed number of payments. Corporate revolving credit facilities are typically used to provide short term liquidity for a company s day-to-day operations.

    In Factoring, SMEs can sell their accounts receivables (i.e. invoices) to a third party (called a factor) at a discount. The purpose is to obtain cash advance to meet urgent cash obligations.

    Trade Financing

    Another option to provide short term financing is trade financing. Some of the common trade financing facilities provided include:

    • Letter of Credit (LC)
    • Bills of Exchange Purchased (BEP)
    • Trust Receipts
    • Foreign Exchange Contracts
    • Bankers Acceptance
    • Export Credit Financing


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    Seltzer Law Firm Employment lawyer Washington DC Maryland Northern Virginia attorney


    The D.C. Bar s unique and extremely successful Continuing Legal Education ( CLE ) Program is the subject of a feature article in the June 2017 Washington Lawyer Magazine. Diane Seltzer Torre, Chair of the CLE Committee who teaches numerous CLE programs each year, is quoted throughout the article regarding the courses offered and what sets the CLE.

    Happiness is not an automatic by-product of practicing law for many reasons. Maybe going solo is right for you

    The Judges of the United States District Court of Maryland gave Diane Seltzer Torre their Exceptional Service Award

    Employment law and civil rights law are constantly evolving areas of law. By focusing its practice on employment and civil rights matters, the Seltzer Law Firm is able to stay abreast of the latest developments in these fields, which best ensures that the firm s clients receive advice based on up-to-the-minute changes in the law.

    The Seltzer Law Firm concentrates on employment law and civil rights litigation. The Firm s philosophy is to provide practical solutions to complex, as well as common, workplace issues. We appear before all federal and state trial and appellate courts in the District of Columbia and Maryland, as well as before administrative agencies

    Diane Seltzer Torre earned her J.D. from American University s Washington College of Law in 1991, where she was a member of Law Review. She clerked for the judges of the Circuit Court for Washington County, Maryland after graduating from law school. She received her B.A. in Sociology, cum laude.

    The Seltzer Law Firm concentrates on employment law and civil rights litigation. The Firm s philosophy is to provide practical solutions to complex, as well as common, workplace issues. We appear before all federal and state trial and appellate courts in the District of Columbia and Maryland, as well as before administrative agencies


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    Christian Finance & Financial Help for individuals & Christian Business in


    Tax Relief – Tax Debt Relief
    Tax Lien – IRS Garnishment
    IRS Levy – IRS Problems Solved
    A Christian Owned and Operated
    Tax Relief Website
    For the Christian Community

    Search for more Christian websites in this category of our Christian Search Engine

    Sites hosted by us, are found in this section of our Christian Websites Directory.

    • A Christian Video Production:for your church, Ministry, singing group, band, ministry or Christian business. Our Video production staff can make a custom promotion Video for you. A 2 minute promo video for just $99.95 from LiL’ Screen Productions.
    • Brock Tax Relief :IRS Offer In Compromise experts. Former IRS agent. Tax lien relief, IRS Levy relief. Trusted representation, low cost.
    • Christian Web Design HostingQuality web site design and hosting for you, your Christian business, ministry, band or church. Our unique solutions and affordable pricing will help manage your site to reach the world with your message, with site starting as low as $69.95 a year.
    • California Christian Attorney :Christian lawyer, Attorney Robert Anderson practices law in San Bernardino, Orange and Riverside Counties, CA.
    • WebTech Design GroupWe can design your site with streaming audio and/or video, or add it to your existing site at very reasonable rates.

    Our Friends Supporters are in this section of our Christian Websites Directory.

    • A Christian Business Opportunity � Home Based or Retail:Perfect business for moms dads or the whole family. Create faith oriented personalized gifts using your computer and the unique software supplies provided by Personal Touch Products. Save money on your own gift giving too! Simple 2 minute process. You can expect to receive an outpouring warmth and gratitude from your friends, family customers. Low start up cost. BBB Company.
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    • Add your link to our directory.For $10, a year your link can be entered into a directory page like this within 48 hrs. Or four directory pages for $15.00.
    • Apply For Bad Credit Loans :A complete resource for people with bad credit loans.
    • A Simple Christian Business Opportunity :Perfect for moms and dads or the whole family in Christian ministry. 100% FREE video Training Course To Enable You Have A Breakthrough Within 14 days. No Credit Card Or Prior Experience Needed. Click The Link To Get Started.
    • Auto Loan Modification :Reduce your car payments today with a vehicle loan modification.
    • Business Ministry Centre :Christian Network Home Business Finder. Are you a Christian looking for a business that you could run from home? Take our FREE survey and let us help you find a Home Business. There are some great opportunities out there but it�s not a case of �one size fits all�. The survey will give us some idea of what you may be looking for and then we can suggest some opportunities for you to consider through a simple emailed report.
    • Certified Financial Solutions :Attorney supervised debt negotiation. If you are having trouble paying high credit card debt, you may qualify for a legal program that significantly reduces the amount you owe.
    • Christian Keynote Motivational Financial Speakers :John Di Frances is respected among international business speakers. His 30+ of global business experience enable him to address a broad range of financial and other business topics. As a keynote ethics speaker, he speaks on the ethical aspects of business finances.
    • Christian Stock Market InvestingUse Biblical principles when investing in the stock market. Top Stock Pick page and Stocks to Avoid and much more.
    • Church Loans :Contact us to learn how you can get loan to finance the perfect church for your congregation. We lend to buy, build, or refinance your church loan.
    • Church Loans and Financing:American Church Mortgage Company underwrites first mortgage bond issues for the financing of church construction, renovation, and real estate acquisition.
    • Credit Cards, Credit Reports, Loans – :offers a wide range of credit related products and services including credit cards, personal loans, credit reports, car and home loans, debt consolidation help and more.
    • Credit Loan – Credit Repair Bad Credit Loan Information :Your premier source on how to repair your credit, obtain mortgages with bad credit and debt consolidation.
    • Donarius Donation Tracking Software:The easy way for churches and other charitable organizations to keep track of donors, donations and pledges.
    • Eagle’s LandingDedicated to teaching Biblical principles of finance.
    • Fast Bad Credit Consolidation Personal Loans :Even if you have had, or are now faced with some worrisome or severe credit issues we have personal loans for people with bad credit to meet your needs. Visit us now for fast bad credit loans, an easy online application, and fast approval.
    • Get Out of Debt.Reliance, Inc. is an established INC. 500 Christian based full service financial services company specializing in debt relief.
    • Managing God’s Money :The Managing God’s Money website is a Christian mission of author and Christian financial expert Michel Bell.
    • Unsecured Debt Consolidation Personal Loans Online :Online debt consolidation loans available to help you reduce your debt. Find out how our experience can help you consolidate your credit cards or loans. Apply online today.

    Additional resources are found in this section of our Christian Websites Directory.

    • Accountant Lisa – Williams and Associates Account and CPA Services :Christian business offering accounting and tax services.
    • Bad Credit Personal Loans:offers credit learning center and applications for those with less than perfect credit.
    • Penn Mutual Life Insurance CompanyTo meet your financial planning needs. Including information and calculators for Retirement Planning, Estate Planning, Investment, Planning, College Planning and Life Insurance Analysis.
    • Worth Tax and Financial ServiceSpecializing in tax returns for ministers, churches and not-for-profit organizations.

    Search for more Christian websites in this category of our Christian Search Engine

    This Page Last Up-dated
    Sunday, February 28, 2016 02:43:47 PM

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    Christian Web Design and Christian Web Hosting Plans

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    Hotels Near Boston, MA: Courtyard by Marriott Boston #natick #business #hotels,


    Explore Boston, MA from our nearby Natick Hotel

    The recently refreshed Courtyard Boston Natick hotel has the tools and amenities you need to help you thrive during your next visit to the Boston Natick area. Our hotel offers free high-speed internet, comfortable work spaces, business center and meeting rooms with intuitive design and dynamic spaces. During downtime, unwind with a workout at our fitness center, grab a cup of coffee at the on-site Starbucks coffee cart or grab a drink and some seasonal fare at The Bistro. At the end of a long day, kick up your feet in your spacious hotel room featuring pillowtop bedding, triple sheets and plush pillows for a restful night s sleep. Explore the area with ease, as we are centrally located 22 miles from the Boston Logan International Airport (BOS) and 20 miles from downtown Boston. Close to Wellesley College, Babson College, Harvard University, Boston College, and near downtown Boston, the Courtyard Boston Natick is near your favorite, local destinations.

    Map Local Area

    Marriott Rewards

    94% of guests recommend this hotel

    Key Amenities

    Free high speed Internet

    Meeting event space

    Business Events Meetings

    With four meeting spaces, great amenities,special rates and packages, we are your affordable solution for business meetings.

    Hotel Highlights

    Guest Rooms

    Convenient Natick hotel with all the amenities of home

    Guest room

    1 King, Sofa bed

    Guest room
    1 King, Sofa bed

    Room images may not correspond to the actual room received.

    Room Overview

    Room Amenities

    In-room Media

    Guest room

    Guest room
    2 Queen

    Room images may not correspond to the actual room received.

    Room Overview

    Room Amenities

    In-room Media

    Guest room

    1 King, Whirlpool

    Guest room
    1 King, Whirlpool

    Room images may not correspond to the actual room received.

    Room Overview

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    In-room Media

    When you Book Direct on

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    Request room extras when you book.

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    Book with Visa Checkout

    You re focused on booking a stay. Visa Checkout keeps you on the fast track.

    Win a Courtyard bedding set or hotel stay

    Enter for a chance to win a bedding set from (including our famous Textured Coverlet) or a 3-Night Stay at any Courtyard Hotel!


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    In Small Business, Success Is Spelled With 5 C s #building


    In Small Business, Success Is Spelled With 5 C s

    Clearly, small businesses are important to us all, but only the better managed businesses succeed. In a small business, effective management means properly balancing five factors:

    These are referred to as the five “C”s. Let’s take a look at these requirements to see how they affect small business success.

    The acquisition and retention of customers are prime concerns of every small business owner because they are the lifeblood of the business, and produce the revenues that make the business run. The old saying that “nothing happens until somebody sells something” is certainly true for every small business.

    Customer acquisition and retention can be addressed in a number of ways that are often industry. market, or geographically dependent. They include, but are not limited to the following:

    1. Advertising. Small businesses, depending on their target markets and the goods or services offered, use various media to access potential customers. These include:

    • Direct mail
    • Local newspapers
    • Spot TV or radio ads
    • Websites
    • Internet listings
    • Trade publications
    • Directory ads
    • Event or charity sponsorships
    • Co-op ads with suppliers

    To read more about the power of advertising, read Advertising, Crocodiles And Moats .

    2. Promotions and Premiums. Many small businesses, particularly those offering services, use discount coupons and offer gifts for various levels of purchases. Discounts given as promotional gifts at sponsored charity events are also popular. Their effectiveness depends on the targeted audience at the event and what else is being given away there.

    3. Direct Mail to Targeted Customers. Direct mail can be a very effective and low-cost means to reach potential customers in a limited geographical area, such as by zip code, or with a purchased list with specific demographics. such as affluence, education level, golfers, etc.

    4. Referral Discounts. This technique rewards existing customers for providing sales leads from their family and friends. In this case, the lead itself may command a modest discount, and a lead that results in additional business may produce a substantial discount for the referring party.

    5. Branding. Branding is a non-product-specific form of advertising designed to enhance the awareness and reputation of the company in the marketplace. It is widely used by large corporations but can also be effective for small businesses that can afford to do it. It tends to be an ongoing and potentially expensive process. (For related reading, see Competitive Advantage Counts .)

    6. Customer Service. Providing excellent customer service is essential for every small business because they depend on a small population based in local or regional markets. Good or bad word-of-mouth on their customer service can make or break a company.

    A company doesn’t have to give away the store on customer service, but must be fair, pleasant and responsive to the needs of its customers. (For further reading, check out Small Business: It’s All About Relationships . )

    7. Networking. Networking at industry and chamber of commerce events can develop new customers for some small businesses. Those businesses providing business-to-business services tend to benefit most from this type of networking (insurance, financial services, printing, consulting, etc.) as their offerings can be used by a broad spectrum of the businesses attending.

    8. Telemarketing. Telemarketing is widely used by businesses offering residential services (driveway sealing, basement waterproofing, etc.). It is a numbers game, relying on the premise that if enough calls are made, some business will be obtained. It is time-consuming and can be limited by people’s reluctance to be contacted at home by telemarketers.

    9. Signage. Most businesses use signage to identify their location, but signage can also attract business if it is readable and attractive, especially if it incorporates branding.

    Cash Flow
    For a small business, cash flow can be more important over the short term than profitability. A small business owner should protect cash income and outflow, and take the necessary actions to ensure continuing positive cash flow by doing the following:

    • Adjusting expenses
    • Accelerating receivables collections
    • Extending the payables schedule
    • Adjusting inventory levels
    • Obtaining a bridge loan to fill a short-term cash gap

    An unmanaged cash position can cause unwelcome surprises in the form of unmet payroll, late fees on payables and unpaid taxes. Any one of these surprises can scuttle a small business quickly. (To learn more, check out The Essentials of Cash Flow .)

    It is a good idea to do a six- to eight-week future cash flow plan, which can provide time to act to ensure a positive cash flow result at the end of each week. Cash flow projection is simply looking ahead at when what revenues are coming in, comparing them to when expenses and payments are due and making arrangements so the balance remains positive.

    Credit availability and management is part of the small business owner’s tool kit for a number of reasons:

    1. Obtaining Payment Terms. With good credit, a business can obtain more favorable payment terms, allowing it to use its money longer and to have inventory longer before having to pay for it.

    2. Taking Advantage of Payment Term Discounts. Taking advantage of payment term discounts allows a business with good credit and cash flow to actually pay less for the goods received from its vendors. For example, payment terms may be net 30 days, but discounted by 2% for payment made within 10 days

    3. Managing Cash Flow. Having good credit makes access to credit available when it is needed to bridge a short-term gap between receivables and payables due to seasonality. inventory enlargement or business growth.

    4. Avoiding COD Hassles on Deliveries. Without established credit, new suppliers will often ship cash on delivery (COD) only on initial orders. This reduces the payables float and pulls staff away from duties to handle COD arrivals.

    5. Getting Set Up With New Vendors. Without good established credit, new vendors may be reluctant to allow a new business to handle their product lines and represent them in the marketplace.

    6. Providing a Payables Float. As indicated above, having a payables float provides available money to the business over the float period, which enhances profitability.

    One of the biggest disadvantages a small business has to overcome when expanding into new niche or geographic markets is a lack of credibility. Because it is a small business, it is not as well branded or well known as its larger competitors.

    Potential customers of small businesses may have reservations concerning the size and competence of the staff, the sustainability of the business (are they going to be in business for the duration of my warranty?) or the lack of national branding.

    A professional presentation, testimonials, certifications, references and existing customer word-of-mouth recommendations all help. The prospect of dealing with the owner and receiving more personal service can also help small business credibility.

    Access to capital is important to a small business when it needs to finance a building, buy new equipment or vehicles, enlarge inventories, or make an acquisition. The establishment of a good banking relationship and a track record of competence, trust, and good judgment with the bank will go a long way toward assuring a source of capital for the business before the specific need for a loan arises. (To learn more, check out Looking Deeper Into Capital Allocation .)

    Small businesses represent a vital part of the U.S. economy and employ more than one-half of the non-farm private workforce. They may provide a large and growing employment opportunity for seniors, veterans, women and minorities. But just because small businesses are valued by the economy, doesn’t mean they’ll survive. By incorporating the five “C”s into your business, you can set up a framework to not only succeed, but also thrive.


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    Bachelor of Business Administration (BBA): Degree Overview #business #administration #associate #degree,


    Bachelor of Business Administration (BBA): Degree Overview

    Bachelor of Business Administration

    The 4-year degree program provides a fundamental education in business and management principles. Programs typically allow students to specialize in one of multiple concentration areas, including international business, finance, real estate, computer information systems, or accounting. BBA programs can offer practical management training that can prepare students to successfully work within a large or small organization.

    • Program Levels. Bachelor’s degree, master’s degree, doctoral degree
    • Prerequisites. High school diploma or equivalent
    • Program Length. 4 years

    About the BBA Degree

    Programs may emphasize the development of communications, quantitative reasoning, and business analysis skills. Through BBA courses, students can gain knowledge of business practices and processes, understand the role of economics in the world marketplace, and acquire an awareness of global business issues. Additional topics could include:

    • Business theory
    • Business law and ethics
    • Economics
    • Entrepreneurship fundamentals
    • E-business
    • Project management

    Popular Career Options

    Through the BBA programs, students can pursue business education and learn skills that will help them pursue various management and administrative roles within a company. Employers may seek business administration graduates for a broad range of positions in different areas. Positions may include:

    • Operations manager
    • Information security officer
    • Sales manager
    • Loss prevention manager
    • Cost estimator

    Find schools that offer these popular programs

    • Actuarial Sciences
    • Business and Commerce, General
    • Business Statistics
    • Customer Service Management
    • eCommerce
    • Logistics, Distribution, and Materials Management
    • Management Science
    • Office Management
    • Operations Management
    • Public and Nonprofit Organizational Management
    • Purchases, Acquisitions, and Contracts Management
    • Transportation Management

    Career Outlook and Salary Information

    Job growth predictions for the above-listed professions vary widely, according to the U.S. Bureau of Labor Statistics (BLS). The number of available positions for general and operations managers is expected to rise by 7% from 2014 to 2024, while those for information security analysts should increase 18%, the BLS reports. The bureau further projects a 5% job growth rate for sales managers, a 2%-4% growth rate for loss prevention managers, and a 9% growth rate for cost estimators during the 2014-2024 decade.

    The BLS listed an annual median salary of $97,730 for general and operations managers in May of 2015. Information security analysts saw a median annual income of $90,120 at that time, according to the BLS, and sales managers made a median salary of $113,860 per year. The median yearly wage for loss prevention managers and cost estimators that year was $104,850 and $60,390 respectively, as per BLS data.

    Continuing Education Information

    After completing a BBA, individuals may consider furthering their education in order to qualify for top executive positions and promotions. A Master of Business Administration (MBA) is a graduate-level degree that is often desired by employers for positions such as Chief Executive Officer (CEO) and Chief Operations Officer (COO). Doctoral programs are also available in business administration, which can prepare business professionals to work as consultants, executives, or university professors.

    A Bachelor of Business Administration (BBA) is a 4-year degree program which prepares students for a variety of different management and administrative roles within a company.

    Next: View Schools

    Research online business administration courses and programs. Find out what you can learn in these courses and what you’ll need.

    Are you wondering if business administration is the right major for you? Use the self-assessment quiz below to help decide if.

    Research online executive business administration courses and programs. Find out what you can learn in these courses and what.

    Learn about the education and preparation needed to become a global business administration professional. Get a quick view of.


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    PE Church Net – Port Elizabeth Christian Business Directory #jesus, #christian,


    Full Page Ads in the Directory:

    Most Recent Additions to the Directory:

    The Port Elizabeth Christian Business Directory is founded on 4 basic principles:

    • As Christians, we need to support one another in business;
    • We promote and encourage business practices and ethics according to biblical principles;
    • We believe in paying a man a fair wage ;
    • We believe in tithing as a sound biblical principle.

    Our Christian Business Directory provides a list of businesses in the Port Elizabeth / Uitenhage (Nelson Mandela Metropole) area of South Africa that subscribe to these principles. It is a requirement for listing here that the owner, principal partner, shareholder or a senior manager in the business is an active Christian in regular fellowship and good-standing with a local Christian community.

    Download a monthly Condensed printable version
    of the Directory
    (May 2017 – PDF – 608kB)

    PE Church Net is largely financed
    through the advertisers in our

    Please support them as they support us !


    Your conduct is the most effective sermon you will ever preach



    • TRADE – CiM Projects. Automation/Geysers/Renovations. We specialize in the repair and installation of both gate/garage door motors and geysers. We also do water-damage renovations. Fast response time, service guaranteed, owner driven. Tel: 083 505 4579, Francois Raath.
      [ Email me ]
    • BUILDING PLANS AT REASONABLE RATES – We are highly experienced and therefore specialize in Residential and Business developments. We have been in business since 2003. Can call us on 072 789 7338 or view us on or FB Golden Eagle Draughting.
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    Retail of brand name PCs,
    notebooks, printers and PC components. Quality components
    at very competitive pricing!


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    Quint Max Plumbing – Heating Supply – Last Updated June 12,


    Quint Max Plumbing Heating Supply

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    Pacific Radiance secures S$85m in government-backed loans – Splash 247 #government


    Ivy Shipping debuts with acquisition of supramax quartet

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    NYK slapped with huge fine Down Under

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    Ocean Alliance closing the gap with 2M as market share battle heats up

    300cubits: Container crypto currency

    Pacific Basin acquires five Japanese-built bulkers

    Qinhuangdao Port to commence IPO on Shanghai Stock Exchange

    Pacific Radiance secures S$85m in government-backed loans

    Singapore offshore vessel owner Pacific Radiance has been granted S$85m ($61.5m) worth of loans under two Singapore government-backed financing schemes.

    The company has taken loans under two programs, the Internationalisation Finance Scheme by International Enterprise Singapore and the Bridging Loan scheme by Spring Singapore, to help support its working capital needs over the medium term.

    Pang Yoke Min, executive chairman of Pacific Radiance, said: “We are pleased to be eligible for the two schemes, which have allowed the Group to secure maximum loans of S$85 million. The loan approvals from both the participating banks, DBS and UOB, and government agencies reflect their strong support to help the Group overcome the downturn.”

    The Internationalisation Finance Scheme and Bridging Loan scheme were set up to help local offshore and marine companies gain access to working capital and financing in order to weather the industry downturn.

    Share this article

    Grant spent nine years at Informa Group based in London, Sydney, Hong Kong and Singapore. He gained strong management experience in publishing, conferences and awards schemes in the shipping and legal areas, working on a number of titles including Lloyd’s List. In 2009 Grant joined Seatrade responsible for the commercial development of Seatrade’s Asia products. In 2012, with Sam Chambers, he co-founded Asia Shipping Media.

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    OnContact CRM #accounting #apps, #free #accounting #apps, #quickbooks #apps #store, #accounting


    OnContact CRM


    OnContact CRM seamlessly integrates with QuickBooks, so you can easily access customer financial information without leaving our application. Say goodbye to double data entry with fast syncing. Supports QuickBooks Online Desktop. 14-day free trial.

    CRM Pricing Simplicity

    CRM software just got better. With OnContact, you get everything you need for one simple price. For $50/month per user, OnContact CRM comes out of the box with our mobile app and comprehensive sales, marketing automation, customer service and contact center functionality. No hidden fees. No extra charges.
    Browser Support:
    Supported Browsers for Windows: Internet Explorer, Mozilla FireFox. Supported Browsers for MAC OS X: Apple Safari, Mozilla Firefox

    Seamlessly Integrate your Accounting and CRM Data

    With OnContact CRM QuickBooks integration, users can quickly access customer financial information without ever having to leave our application. You can view a customer’s payment status, purchase history, current balance and so much more in a synchronized, user-friendly platform, and eliminate dual data entry with easy syncing of customer records and product data. You can even promote orders created in OnContact CRM to create estimates, orders or invoices in QuickBooks.

    A Complete Accounting View

    OnContact QuickBooks integration lets you manage customer financial data in real-time directly from contact and company records in CRM. View open balances, estimates, invoices, receipts, credit memos, payments, refunds and more without ever leaving the CRM application.

    Save Time with Fast Secure Product Syncing

    With OnContact QuickBooks integration, customer and product data is effortlessly synced between the two applications. Product data stored in QuickBooks is synchronized with OnContact CRM to create new orders, provide pricing information and quantities on hand. The entire syncing process is fluid and user-friendly.

    Save Time with Fast Secure Customer Syncing

    With OnContact QuickBooks integration, customer and product data is effortlessly synced between the two applications. Customers originating in QuickBooks are directly imported into OnContact CRM, while contacts and company information from OnContact are exported to QuickBooks.

    Easily Create Estimates, Orders and Invoices

    Sales orders created in OnContact CRM can be optionally promoted to QuickBooks online and desktop versions to create estimates and invoices. Additionally, QuickBooks desktop supports the creation of orders. All sales orders created in OnContact use accurate, up-to-date product information from QuickBooks.


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    Ohio Minority Business Direct Loan Program #small #business #loans #ohio


    Minority | Ohio Minority Business Direct Loan Program

    Contact Us

    Allen McConnell
    Minority Business Development Division
    (614) 752-4833

    The program provides fixed, low-interest rate loans to certified minority-owned businesses that are purchasing or improving fixed assets resulting in creating new jobs for Ohioans. The Minority Business Direct Loan Program determines the eligibility of a business by:

    • Evaluating the number of jobs created or retained;
    • Participation of the business and a conventional lender in the project and;
    • Demonstrating that the State’s assistance is necessary in order for the project to go forward.

    In its review of loan applications, the office also evaluates the management capacity of the company, the availability of working capital, and the overall ability of the company to repay its debt. These criteria are designed to provide a more definitive review of the applicant’s need and capabilities.

    The State’s financing is take-out financing. In other words, the business will need to complete its project utilizing interim financing from a conventional lender, and its equity. When the project is completed, the State’s funds will be released.

    Funds received under the Minority Direct Loan Program may be used for part of the cost of acquisition, renovation or construction of depreciable fixed assets.

    This includes the following categories:

    • Acquisition of land and buildings
    • New construction
    • Renovation to existing buildings
    • Acquisition of machinery and equipment

    In addition, limited soft costs related directly to the fixed asset expenditure may be included. Examples of eligible soft costs include: architectural/engineering costs; installation costs for machinery; and financing costs for bank loans.

    Minority Direct Loan funds may not be used for:

    • Working capital
    • Refinancing
    • Rolling stock
    • Inventory/receivable financing
    • Speculative real estate development
    • Relocation costs
    • Office equipment
    • Small tools
    • Supplies

    Eligible borrowers include any operating business certified by the Ohio Department of Administrative Services State Equal Opportunity Coordinator as a Minority Business Enterprise (MBE) and demonstrate that its fixed asset expansion/retention project will create or retain jobs for Ohioans.

    The Minority Business Direct Loan Program may lend funds to businesses engaged in commerce, manufacturing, research and development or distribution.

    Under Ohio Revised Code Chapter 122.76 (A), other eligible borrowers include Community Improvement Corporations and Ohio Development Corporations.

    • The minimum direct loan under the Minority Business Direct Loan Program is $45,000.
    • The maximum participation by the Minority Business Direct Loan Program is based on financing needs but cannot exceed 75% of eligible project costs.**
    • The actual level of participation will be determined by the Ohio Development Services Agency based upon the criteria described under Criteria for Loan Application Evaluation.

    ** Guidelines used by the Minority Business Development Division normally limit the loan amount to $450,000. However, the Director of the Ohio Development Services Agency may authorize a higher loan amount or modified terms which address a unique and demonstrated economic development need.

    The State may request any of the following as collateral or security for the financing invested in a project:

    • Personal guarantees from owners.
    • Corporate guarantees from related companies.
    • First mortgage or lien position on the assets financed with State funds (share with bank).
    • Key person life insurance on the principal operating officer(s) of the company.
    • Financial covenants on the operations of the business.
    • Letter of credit.

    The Minority Direct Loan Program requires the payment of two fees:

    • A $300 nonrefundable application fee submitted at the time of the filing of the application; and
    • A processing fee of 1.5 percent of the amount of the State loan which covers all legal expenses associated with the State’s processing of the loan

    Companies receiving assistance under the Minority Direct Loan Program are not required to complete their project utilizing the Ohio Prevailing Wage for construction, renovation and machinery installation.

    The following areas will be evaluated by the Ohio Development Services Agency staff in making a determination that the business is eligible to receive Minority Business Direct Loan financing:

    • Ability to Repay
    • Management
    • Working Capital
    • Need
    • Job Creation
    • Job Retention
    • Minimum Assistance Necessary
    • Occupancy
    • Collateral
    • Step 1. Contact Decole Harton. Loan/Bond Officer of the Minority Business Development Division to begin application process.
    • Step 2. File the Financial Assistance Application with nonrefundable $300 application fee.
    • Step 3. Documentation will be reviewed by the Minority Business Development Division for eligibility.
    • Step 4. If eligible, Minority Business Development Division will present to Minority Development Financing Advisory Board (MDFAB) .
    • Step 5. If approved by MDFAB. request will be sent to State Controlling Board for approval and disbursal of State funds.
    • Step 6. If approved, Development Services Agency will prepare Commitment Letter between State and borrower which must be signed to begin project.
    • Step 7. When project is complete the State will disburse its funds to interim financing lender.


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    Teradata Interview Questions, teradata business intelligence.#Teradata #business #intelligence


    teradata business intelligence

    How many codd’s rules are satisfied by teradata database?

    What is fsldm in Teradata ?

    What is log table? What is the use of log table?

    MultiSet Table and Duplication

    Why fastload does not support multiset table and duplication?

    Fload, Mload and error tables

    How many error tables are there in fload and what are their significance/use?

    Can we see the data of error tables?

    How many error tables are their in mload and what is there use?

    When mload job fails, can we access mload tables? If yes then how?

  • What is the difference between multiload & fastload interms of.
  • What is the difference between Multiload & Fastload interms of Performance?

    What is the meaning of skewness in Teradata? When do we use nullif function in Teradata?

    How will you avoid Skewness?

    What are the difference between Teraadata Versions?

  • How does indexing improve query performance?
  • How does indexing improve query performance?

  • ODBC – cli configuration in teradata
  • ODBC – CLI configuration in TERADATA

    How do we configure ODBC and CLI in TERADATA systems.

  • What are two examples of an oltp environment?
  • What are two examples of an OLTP environment?

    � � Transactions take a matter of seconds or less.

    � � Many transactions involve a small amount of data.

  • What is the difference between GLobal temporary tables and volatile.
  • What is the difference between Global temporary tables and Volatile temporary tables?

    Global Temporary tables (GTT) –

    1. When they are created, its definition goes into Data Dictionary.

    2. When materialized data goes in temp space.

    3. thats why, data is active upto the session ends, and definition will remain there upto its not dropped using Drop table statement.

    If dropped from some other session then its should be Drop table

    4. you can collect stats on GTT.

    1. Table Definition is stored in System cache

    2. Data is stored in spool space.

    3. thats why, data and table definition both are active only upto session ends.

    4. No collect stats for VTT.

  • Teradata performance tuning and optimization
  • Teradata performance tuning and optimization

    what is an optimization and performance tuning and how does it really work in practical projects. can i get any example to better understand.

    There are 2 tables, table A with 10 million records, table B has 100 million records, now we are joining both tables, when we seen Explain Plan the plan showing TD will took the table A and it will redistributes it

  • Vertical & horizontal partitioning, join & hash indexes and ppi?
  • Vertical & Horizontal Partitioning, Join & Hash Indexes and PPI?

    What are the differences between the followings?

    – Vertical & Horizontal Partitioning

    – Join & Hash Indexes

  • What are the enhanced features in teradata v2r5 and v2r6?
  • What are the enhanced features in Teradata V2R5 and V2R6?

  • What is basic teradata query language?
  • what is basic teradata query language?

    How many version is there in Teradata? please give me detail information for version ? Version Name and Particular date ?

  • Which two statements are true about a foreign key?
  • Which two statements are true about a foreign key?

    Each Foreign Key must exist as a Primary Key.


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  • Accelerated Business Intelligence, teradata business intelligence.#Teradata #business #intelligence


    Accelerated Business Intelligence


    Turning Big Data in to Sensible Business Information

    Latest Blog Posts

    • Teradata business intelligence

    #datavault 2.0, Hashes, one more time

    A fact based look at Hashing and Sequences and Collision Strategies in Data Vault 2.0 Standards.

  • Teradata business intelligence

    #datavault 2.0 and Hash Keys, Again?

    Yet another dive in to Hash Keys and Data Vault 2.0

  • Teradata business intelligence

    #datavault Meetups! Australia / New Zealand!

    Data Vault 1.0 and 2.0 Meetups in Australia and New Zealand in August 2017. I will be there in person!! don t miss this chance to talk with me!

  • Teradata business intelligence

    #datavault Models, Business Purpose, Data as an Asset

    A short walk through what the Data Vault is really about. I hope you enjoy this lesson. I ve got plenty of customers achieving / receiving real business value monetary value, from their Data Vault 2.0 solutions, and yes, they are able to see the data as an asset as a result of this process.

  • Teradata business intelligence

    Joins, Natural Keys, Hashing MPP and #datavault

    A walk back through the joins, hashing, Teradata, key selection, and arguments for and against sequence numbers. While this post is specifically related to Teradata, there are some generic statements here that apply to all MPP solutions.

  • Teradata business intelligence

    Maturity, Automation, Data Vault Standards Round 4

    An executive viewpoint on why standards matter, and how you can optimize and mature your EDW / BI solution today.

  • Teradata business intelligence

    Data Vault Standards Round 3

    Another round in the arguments as to why standards are important. Again, if there is feedback, I welcome it.

  • Teradata business intelligence

    Data Vault and Following Standard

    A short look at why the Data Vault standards are the way they are.


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  • Minnesota School of Business, business schools minnesota.#Business #schools #minnesota


    Welcome to the Minnesota School of Business

    To our 100,000 graduates, our current students, our talented and dedicated employees, and our communities who have provided great jobs and support to our Schools; we thank you and want you to be proud of the education provided during the past 140 years. We want to be clear that the findings from the Hennepin County Court case with the Minnesota Attorney General showed no widespread systemic fraud and no issues with the education we provide. We want you all to know the facts and to know that we are fighting to not have the schools close. For more background on what is happening, click here. While we work through this challenging time, we are working to find pathways for our students. It is our goal to make sure students have options to complete their degree with us or transfer credits to another accredited institution.

    Minnesota School of Business

    Each Minnesota campus will remain open through at least the end of January to help students get transcripts, answer questions and facilitate meetings with multiple institutions that are willing to accept credits from Globe/MSB. See articulation/transfer list.

    Minnesota students

    The school is offering some classes online, through MSB Blaine and for graduate students at our Minneapolis location who do not need federal funding. Eligible students are those who can complete their program in the winter 2017 or spring 2017 quarters.

    Globe University

    Globe officially discontinued operations at the South Dakota and Wisconsin campuses, as of Dec. 31, 2016. Globe transferred administration of those campuses for teach-out purposes to Broadview University. Students in South Dakota and Wisconsin have the option to complete their program at their existing location or online through a teach-out agreement approved with Broadview University.

    About Broadview University

    Broadview University, based in Utah, is accredited by the Accrediting Council for Independent Colleges and Universities.

    The Hennepin County, Minnesota District Court issued an Order on Sept. 8, 2016 finding that Globe violated the Uniform Deceptive Trade Practices Act, Minnesota statute § 325D.44. As a result of this Order, the Minnesota Office of Higher Education (MOHE) issued an order revoking Globe’s and MSB’s registration with the state and ordering Globe and MSB to cease enrollment of new students.

    Globe and MSB are currently under a show-cause directive from its accreditor, ACICS.

    In addition, on Dec. 6, 2016, the U.S. Department of Education announced its decision to deny Globe’s and MSB’s participation in the Title IV student financial aid programs.

    Globe and MSB have appealed the MOHE order.


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    Lenovo ThinkPad Yoga 260 review: Your flexible business friend #yoga #business


    Lenovo ThinkPad Yoga 260 review: Your flexible business friend

    There’s something endlessly reassuring about a ThinkPad. In some ways, little has changed for decades: the staunchly unfashionable design and retro logos hark back to the devices of IBM days, and even the name stretches way back to the early days of IBM in the 1920s – it was born from the company’s early slogan, “Think”. Now, in 2016, the ThinkPad Yoga 260 marries that past with the technological cutting edge.

    Lenovo ThinkPad Yoga 260: Design

    Following in the footsteps of HP’s rather lovely EliteBook Folio 1020 . the ThinkPad Yoga 260 delivers its compact business thrills in a 12.5in-screened package. That in itself gives it a slight edge over the myriad 13.3in devices on the market. It’s just that tiny bit smaller and easier to wield in one hand, even if it’s no lighter than most, weighing an unremarkable 1.33kg. It is a certified hard nut, though. While there’s a little flex in the Yoga 260’s body, the MIL-STD-810G certification suggests this is a device that will bounce more often than it breaks.

    The ThinkPad Yoga 260 boasts a now-familiar party trick. Its flexible hinge allows it to contort itself from a standard laptop and pirouette through tent, stand and tablet modes. Where the Yoga 260 deviates from the usual Yoga formula, however, is that it also squeezes in a powered stylus that slots into its right-hand edge. Neatly, the stylus charges its internal battery while it’s slotted home and, in a further sleight of hand, the keyboard’s keys automatically recede as you fold the screen back past the halfway mark. This neatly avoids that slightly weird feeling of pressing keys when the Yoga 260 is used in tablet mode.

    Lenovo ThinkPad Yoga 260: Connectivity

    It really is business as usual elsewhere. While you’d reasonably expect some compromises, given the Yoga 260’s size, Lenovo has done a cracking job of cramming in all the connectivity and security options you’d expect from a device destined for the office.

    The presence of two USB 3 ports, HDMI, mini-DisplayPort, and a microSD slot isn’t especially remarkable, but the proprietary OneLink+ port is. An adapter in the box uses it to add Ethernet and a VGA output, but it’s also possible to hook up one of Lenovo’s docking stations, which add up to six more USB ports, gigabit Ethernet, extra DisplayPort and DVI video outputs, and simultaneously charge the internal battery.

    Needless to say, wireless networking is well catered for, with the choice of a Broadcom or an Intel 802.11ac chipset (the latter of which comes in both standard and vPro flavours), and you get Bluetooth 4.1 and support for NFC regardless of which you choose.

    Curiously, although there’s a SIM slot, our review unit wasn’t equipped with a 4G adapter, and there was no sign of it being an optional extra on Lenovo’s website. I’ll have to chase Lenovo and confirm when, and indeed if, the UK will be seeing a 4G-enabled version of the Yoga 260.

    And last but not least, security options are also on the money. A fingerprint reader and TPM 2 are equipped as standard, and you can add a full-sized smart card reader for £14. So far, so good.

    Continues on page 2: Performance, battery life and display quality

    Page 1 of 3 Lenovo ThinkPad Yoga 260 review: Your flexible business friend


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    Top 10 software companies in India #rediff, #business, #information, #software, #exports,


    T he Indian software industry is set to keep up its growth rate despite the slowdown in the economy. The National Association of Software and Services Companies (Nasscom) has forecast a strong outlook for FY08-09 strong with software and services revenue seen growing by 21-24 per cent. The software and services exports are set to hit the $50 billion-mark.

    The software and services exports segment grew by 29 per cent (in USD) to register revenues of $40.4 billion in FY07-08, up from $31.4 billion in FY06-07. The domestic segment grew by 26 per cent (in INR) to register revenues of $ 11.6 billion in FY07-08. According to the latest Nasscom rankings, Tata Consultancy Services Ltd. Infosys Technologies Ltd. and Wipro Technologies Ltd are the top 3 revenue generators in India. Check out the top ten players in the Indian IT industry.

    Founded in 1968, TCS is one of India’s largest corporate houses. It is also India’s largest IT employer with a staff strength of 111,000 employees.

    The company began as a division of the Tata Group, called the Tata Computer Centre. Its main business was to offer computer services to other group companies. Soon the company was spun off as Tata Consultancy Services after it realised the huge potential of the booming IT services.

    The company posted a consolidated net profit of Rs 1,290.61 crore (Rs 12.90 billion) for the first quarter ended June 30, 2008, an increase of 7.3 per cent compared to the year-ago period.

    Its annual sales worldwide stands at $5.7 billion for the fiscal year ending March 2008. During the year 2007-08,

    TCS’ consolidated revenues grew by 22 per cent to Rs 22,863 crore ($5.7 billion). S. Ramadorai, is the chief executive officer and managing director of TCS.

    TCS is IDC-Dataquest IT best employer in IT services in 2007. TCS also topped DataQuest DQTop 20 list of IT service providers in 2007.

    Image: Chief Executive Officer of Tata Consultancy Services (TCS) S Ramadorai . | Photograph: Dibyangshu Sarkar/ AFP/Getty Images


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    Managed PBX Phone Systems – Internet #business #pbx, #pbx, #small #business


    Business Phone Systems, Business Internet Managed PBX

    NEWT is the business services division of Fibernetics Corp. a federally regulated Competitive Local Exchange Carrier (CLEC), and Internet Service Provider (ISP).

    Whether you’re a multi-site organization or a one location business, NEWT can save you up to 80% on your current telecom costs. The NEWT Managed PBX Business Phone System provides a fully managed digital voice solution for any sized business.

    Thousands of businesses have made NEWT their daily choice for business phone service in Canada because it’s reliable and reduces monthly operating expenses.

    Learn how NEWT can help your business go – beyond telecom.

    Business Phone System – NEWT Managed PBX

    For single and multi-location medium to large enterprise business

    • On-Premises Managed PBX – Business Phone System VoIP
    • $0 Capital Cost Option
    • Low Operating Costs – Save up to 80%
    • 100% managed PBX end-to-end with user friendly interface
    • 80+ powerful business features
    • Remarkable and reliable with clear call quality

    Business Internet Solutions

    • Symmetrical High Speed Bandwidth, Copper, Fiber and beyond. Small Business Internet solutions that can enable your business to increase productivity and up-time.

    Business PRI / T1

    • Primary Rate Interface (PRI Trunks / T1), PRI Solutions for medium-large business providing connectivity to Customer Premise Equipment (CPE), such as Private Branch Exchange (PBX). NEWT PRI delivers up to 23 simultaneous calls and reduces your telecom costs by reducing many lines in to one simple circuit.

    Business Internet Redundancy Speed

    • NEWT offers the ability to bond different Internet connections and boost your business Internet connection speeds. This solution can provide critical failover and redundancy for your business operations.


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    Free Equipment Lease Forms #business #equipment #lease


    Sample Equipment Lease Agreement

    This contract agreement for Equipment Lease (“Lease”) between _____________ (the “Lessor”) and _____________ (“Lessee”) is made and entered into upon the following date: ____/____/____ with an expiration date of ____/____/____. The following described equipment shall be Leased by Lessor to Lessee:__________________________________.

    1. The monthly rent for the Equipment will be paid in installments in advance for $_____ per month, starting on ____/____/____, followed by a payment on the first day of each succeeding month for the duration of this Lease Agreement. Any installment payment that is not made and received by the tenth day of the month will be considered overdue and Lessor may charge a late fee equal to one percent per month on any overdue amount. If there is rent due for a partial month it will be prorated accordingly.

    2. The Lessee will pay a security deposit of $_____ prior to taking possession of the Equipment. Following the Lessee meeting all the obligations of this Lease the security deposit will be refunded in full.

    3. The Lessee will use the Equipment in a reasonable and proper manner and will comply with all Federal, State and County laws and regulations relating to the use and maintenance of the Equipment.

    4. All other warranties, explicit or implied, including but not limited to merchantability and fitness for a particular use the Lessor disclaims, except that the Lessor has the complete right to lease the Equipment as described above.

    5. Lessee, at his or her own expense, will keep the Equipment in good repair, condition and working order and will provide all parts and devices that are required to maintain the Equipment in good mechanical working order.

    6. The Lessee assumes and will bear the entire risk of loss and damage to the Equipment from any and all causes whatsoever. No loss or damage to the Equipment or any part thereof will the Lessee not be responsible for under the terms of this Lease Agreement which is in full effect and force until the expiration date stated above has been reached. In the event that there is loss or damage to Equipment of any kind, Lessee will at Lessor’s option: Place the Equipment in good repair, condition and working order or replace the Equipment with the same in good repair and working condition or pay the Lessor the full replacement cost of the Equipment.

    7. Following the expiration or earlier termination of this Lease, Lessee will return the Equipment to Lessor in good repair, condition and working order, while ordinary wear and tear that results from proper use will be excepted, Lessee shall deliver the Equipment at Lessee’s cost to a place designated by Lessor within the county in which the Equipment was delivered to Lessee.

    8. The Lessee shall continuously maintain and pay for all risk insurance against the loss of and damage to the Equipment for nothing less than the full replacement cost of the Equipment and naming the Lessor as the loss payee. Along with public liability and property damage insurance with the limits approved by Lessor and naming the Lessor as named insured and loss payee. The purchased insurance will be with a company that is reasonably acceptable to Lessor. Lessee will provide to Lessor at least a thirty day advance written notice of any cancellation, change or modification and will provide primary coverage for the protection of Lessee and Lessor without any consideration of any additional coverage that may be carried by Lessor for protection against similar risks. Lessee will provide Lessor with an original copy of the policy or certificate as evidence for the purchase of previously discussed required Equipment insurance. Lessee hereby appoints Lessor as Lessee’s attorney with power and authority to make any claims, receive payments and endorsing any documents, checks and or drafts that are necessary to secure payments that are due under the above required insurance policy.

    9. Lessee will keep the Equipment clear and free from all liens and levies of any kind whatsoever. Lessee, or Lessor at Lessee’s expense, will report, pay and discharge when due all license and registration fees, assessments, sales, and property taxes, along with gross receipts, taxes arising out of receipts from the use or operation of the Equipment, and other taxes, fees and governmental charges that are similar or dissimilar to the foregoing, together with any penalties or interest that is imposed by any Federal, State or Local government or any agency or department upon the Equipment. However, the Lessee is not required to pay for any tax or assessment as long as it does not affect or endanger the title and interest of Lessor to the Equipment disclosed above. Lessee will reimburse Lessor for any and all damages or expenses resulting from failure to pay the above mentioned fees.

    10. If Lessee fails to maintain the previously discussed insurance policy or to pay fees, assessments, charges and taxes all previously specified in this Lease, Lessor has the right to pay any fees that are due. In such an event the cost will be repayable to Lessor with the very next payment and any failure to repay the amount due shall carry with it a penalty of ten percent per annum for failure to pay any installment as discussed in this Lease Agreement.

    11. Lessee does not hold Lessor liable against any and all claims, actions, suits, and or damages of any kind whatsoever arising out of and connected with or resulting from Lessee’s use of the Equipment.

    12. If Lessee does not pay the above mentioned rent installment within ten days after it is due or if the Lessee fails to perform any other provision of the Lease Agreement. Lessor has the right to exercise any one or more of the following: Declare that the entire amount of rent that is due be paid immediately without notice; to take possession of the Equipment without notice wherever it may be located; to terminate this Lease; and or to pursue any other additional remedy that may be reasonable under law or in equity. Lessee hereby waives any and all damages that may be incurred by Lessee for taking possession of Equipment and due to Lessee not fulfilling the obligations of this Lease.

    13. Neither this Lease nor anything related to this Lease is assignable or transferable by any operation of law. If Lessee is determined to be insolvent, or if a writ of attachment or execution is levied on the Equipment and is not released or paid within ten days or if a receiver is appointed to take possession or control of the Equipment, then the Lessor may exercise any one of the following remedies that are set forth in Section 12 of this Lease Agreement and this Lease at the option of the Lessor without prior notice may be terminated and the Equipment will not be treated as an asset of the Lessee after Lease termination.

    14. The above mentioned equipment is and will always be and remain the sole and exclusive property of the Lessor. The Lessee does not have any right, title and or interest to the Equipment except as described in this Lease.

    15. If the Lessor requests any documents that are necessary to protect the interest of the Lessor in the operation of the Equipment then the Lessee will provide the needed documents.

    16. The Lessee will not assign the Equipment Lease Agreement for the above mentioned Equipment without the prior written consent of the Lessor.

    17. If there is any part of this Agreement that is not valid it will not cause any other part to be invalid or unenforceable.

    This contract shall be governed by the laws of the State of __________ in __________ County and any applicable Federal Law.

    ______________________________________ Date____________
    Signature of Lessee

    ______________________________________ Date____________
    Signature of Lessor


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    Financial Planning Business Plan Sample – Executive Summary, Bplans, financial advisor


    Financial Planning Business Plan

    Grizzly Bear Financial Managers is a comprehensive financial planning and estate planning consultancy. Grizzly’s services are comprehensive in terms of offered products (mutual funds, equities, estate planning) and depth of research. Although it costs a fair amount of money for Grizzly to do an in-depth amount of research into prospective investments as well as possible options for the client, this up-front cost will be eclipsed by a long-term relationship that is likely to be established out of earned respect.

    Grizzly Bear Financial Managers serves the Portland Metropolitan area. Grizzly will be generating new clients through a combination of networking and monthly public seminars that introduces otherwise unreachable segments of the population. Besides the seminars developing new business, it is also a way that Grizzly can give back to the community.

    Grizzly is a sole proprietorship that will reach profitability by month eight and will have modest profits by the end of year three.

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    1.1 Mission

    Grizzly Bear Financial Managers’ mission is to provide comprehensive financial planning services for our customers. We exist to attract and maintain customers. When we adhere to this maxim, everything else will fall into place. Our services will exceed the expectations of our customers.

    1.2 Objectives

    The objectives for the first three years of operation include:

    1. To create a service-based company whose primary goal is to exceed customer’s expectations.
    2. To increase the number of clients served by at least 20% per year through superior performance and word-of-mouth referrals.
    3. To develop a sustainable financial management company that generates value for their customers.

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    US credit card debt balloons to $917B: What it means #us


    US credit card debt balloons to $917B: What it means

    While rising debt issuance usually points to a strong economy, danger could be lurking ahead.

    Last year, credit card debt in the U.S. surged by approximately $71 billion to $917.7 billion, according to a new study from The research also found that most of the debt accrued in 2015 came in the fourth quarter, when Americans tacked on more than $52 billion.

    “With 7 of the past 10 quarters reflecting year-over-year regression in consumer performance, evidence is mounting to support the notion that credit card users are reverting to pre-downturn bad habits,” CardHub CEO Odysseas Papadimitriou said in a statement.

    Fourth-quarter credit card debt also grew at its largest pace since the Great Recession, CardHub also said.

    “It is something we need to keep an eye on if borrowing continues to grow rapidly,” said Scott Hoyt, senior director at Moody’s Analytics. He also said the implications of rising credit card debt would be similar to what happened in the recession, “when consumers became overly leveraged.”

    David Santschi, CEO of TrimTabs Investment Research, said “it’s usually a good sign when. credit card debt is rising” because it usually means consumers are spending more money.

    However, Steve Blitz, chief economist at ITG Investment Research, said this increase is “just a signal that there’s more people working,” adding that consumers are not necessarily taking on more debt.

    “The willingness of an individual to increase their leverage is the ultimate vote of confidence in the economy,” he said.

    The U.S. economy added 2.45 million jobs last year. In 2016, more than 400,000 positions have been created as of February, with the unemployment rate holding at 4.9, its lowest level in nearly eight years.

    Nonetheless, wage growth remains stagnant. U.S. workers earned 3 cents less an hour last month.

    “The drop in February [wages] was pretty sharp,” Santschi said. “The wage situation does not get as much attention as the headline number and the unemployment rate, but it’s evidence that the economy is basically flatlining.”

    U.S. equities are lower for 2016, with the Dow Jones industrial average and the S P 500 both down more than 2 percent, while the Nasdaq composite has dropped more than 6.5 percent.


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    Online HealthCare Training Courses, OSHA Training, HIPAA Trainings-MentorHealth, business analysis training


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    Business Consultancy, Kirk Slater Business Consultant Melbourne, business strategy consultants.#Business #strategy


    Our Vision

    To support and enable forward-thinking businesses

    in reaching their full potential by providing high quality

    yet affordable business consultancy services.

    Business strategy consultants

    Business Strategy

    Designing the strategic plan is a critical process that defines your business, sets your direction and determines your success.

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    Retail Consultancy

    All Kirk Slater consultants have held senior management positions within the retail industry.

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    Project Management

    Delaying the start of a project might allow your competitors to get a head start.

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    Are you fully aware of each of the opportunities your business is currently missing?

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    Business Growth & Planning

    Business growth is never an accident. It happens as a result of careful planning, clearly defined goals and a focused strategy.

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    Small Business Consulting

    Its time to start managing your small business like the big business you want it to become.

    Business Consultancy in Melbourne

    We are a business consultancy group based in Melbourne but operating internationally. Our business consultants specialise in multi store retail, and also small and medium business strategy and planning, and we pride ourselves in constantly delivering positive commercial results on time and within budget.

    Our skills and expertise are a result of many years of experience in senior leadership roles in the food retail, general merchandise retail, e-commerce, trade services and hospitality industries, in countries across Europe, Asia and Australasia.

    News Info Links

    • The success of your business depends on your people – Part 1 Read More
    • The success of your business depends on your people – Part 2 Read More
    • The success of your business depends on your people – Part 3 Read More

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    “Insightful and good sense”. Joanne Bradley, Head of Brand and Marketing, Porter Davis Homes


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    Commercial property insurance policy #cluett, #wholesalers, #insurance, #workers’ #compensation, #worker’s #comp,


    From Coast to Coast, the Best in Workers’ Compensation. and More!

    Established in 1995, Cluett Commercial Insurance Agency has become one of the nation s leading wholesalers for Workers Compensation Programs. At Cluett, we recognize that our producers need and require much more than Workers’ Compensation Insurance Markets. Cluett has expanded their “Products and Programs” to include Business Owner’s Policy, Commercial General Liability, Property, Commercial Auto, Commercial Umbrella/Excess and Specialty Programs. Through Cluett we offer a wide array of A Rated Insurance Carriers and Special Programs that provide our member agents the assistance to market both their existing client’s as well as their prospects.

    Education And Providing Market Availability Is Our Main Focus

    Combining both Education and Market Availability is a winning formula and allows our producers to stand out from the competition. We have set up programs that allow our producers to increase their Agency Sales and Grow their Agency Premium Volume. Cluett recognizes that Workers’ Compensation Insurance is a door opener when it comes to writing a NEW Client. There is so much more to Workers’ Compensation than just seeking the lowest class rate. The Workers’ Compensation Insurance Program must be “Controlled” “Managed” and at Cluett, we have designed a Program to do just that.

    Products To Help You Stand Out From The Competition

    • Claims Management Program Cluett/Stephenson and Brook
    • Experience Modification Program
    • Employee Safety Awareness Program
    • FlexPay – A New Program designed for All Assigned Risk Policies
    • CmartBooks A New Submission Approach ONLY Available through Cluett
    • Kyrus Mobil A Distracted Driving Program Great Tool for any Client with an Auto Exposure

    Why Agents Keep Coming Back To Cluett

    • Competitive Programs
    • Our access to write a broad range of WC Classes and other P C Products
    • Access to over 400 WC class codes; programs start with minimum premiums as low as $300; middle market risks with premiums over $150,000
    • Loss Sensitive Workers Comp Programs; Retrospective Rating Programs; Deductible Programs; Agency Captive Programs
    • Online Agent Site Simple and Quick Submission Process
    • Excellent Carrier Relationships
    • 24 to 48 Hour Quote Response Time
    • Experienced Underwriting Team
    • Tougher to Place Risks
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    The Steps to SBIC Financing – Small Business Investor Alliance #small


    SBIC Financing, Step-by-Step

    The Small Business Investment Company (SBIC) program was created by Congress in 1958 to help small U.S. companies raise the capital they need to fuel business growth. SBICs are privately organized and managed investment firms licensed by the U.S. Small Business Administration (SBA) to make equity capital or long-term loans available to small companies. In return for agreeing to finance only small U.S. businesses in compliance with SBA regulations, SBICs qualify for funds raised by the sale of SBA-guaranteed securities which, when added to their private capital bases, increase the total capital SBICs have available to invest in small companies. With only some exceptions, SBICs have the freedom to invest in almost any type of business.

    What Have SBICs Done?

    Since 1958, SBICs have invested almost $60 billion in small U.S. companies, including approximately $2.05 billion invested in 1,331 small U.S. companies in Fiscal Year 2010 alone. The concerns they have financed have far outperformed national averages measuring increases in sales, profits, assets, and new employment. Some of America’s most successful and well-known companies received critical financing from SBICs, including Intel, Apple Computer, Federal Express, Whole Foods Market, Staples, and Callaway Golf. Thousands of other small businesses, perhaps less well known but equally important in terms of the products, services, and jobs they provide, have benefited from the money and management counseling made available to them by SBICs. Whatever the field, from high tech to personal service, SBICs continue to invest today in companies that will be leaders in their markets tomorrow.

    Which SBIC Should You Contact?

    When reaching out to SBIC for financing you should consider the following factors:

    A. Size of Financing . Because they differ in size and investment polices, SBICs establish different dollar limits on the financings they make. The directory lists each SBIC’s preferred size of loan or investment.

    B.Investment Policy . Even though SBICs may make both equity investments and loans, each has a policy on the type of financing it prefers. You should match your requirements with the SBIC’s preference.

    C.Industry Preference . SBICs differ widely in terms of preference for financing certain types of businesses. Because of the expertise of its officers and directors, an SBIC often specializes in making loans and investments in certain industries. You should try to contact those SBICs that have indicated a preference for your business type.

    D.Geographical Preference . Generally speaking, SBICs prefer to invest in companies within a reasonable travel distance. Therefore, it would probably be wise to contact first those SBICs closest to your business.

    Consider the information included in the directory only as a general guide. Every SBIC departs from its usual policies in special cases. Furthermore, SBICs often work together in making loans or investments in greater amounts than any of them could make separately. No SBIC should be ruled out as a possible source of financing, but this directory is designed to give you an idea about which ones are most likely to be interested in your plan.

    Is Your Firm a Qualified Small Business?

    A company qualifies as small if it has a net worth under $19.5 million and average after-tax earnings of less than $6.5 million for the past two years. If your firm does not meet these financial tests, it may it may still qualify as small under either an employment or annual sales standard. The employment and sales standards vary from industry to industry. Contact your local SBA office for more information.

    How Do You Present Your Case to an SBIC?

    A business plan that addresses your company’s operations, management, financial condition and funding requirements is essential. The plan should include the following information:

    · The name of the business as it appears on the official records of the state or community in which it operates.

    · The city, county, and state of the principal location and any branch offices or facilities.

    · The form of business organization and, if a corporation, the date and state of incorporation.


    · A description of the business, including the principal products sold or services rendered.

    · A history of the general development of the products or services during the past five years (or since inception).

    · Information about the relative importance of each principal product or service to the volume of the business and to its profits.


    · Description of real and physical property and adaptability to other business ventures.

    · Description of technical attributes of products and facilities.

    · Detailed information about your business’s customer base, including potential customers.

    · A marketing survey and/or economic feasibility study.

    · A description of the distribution system for your products or services.

    · A descriptive summary of the competitive conditions in the industry in which your business is engaged, including your competitive position relative to its largest and smallest competitors.

    · A full explanation and summary of your business’s pricing polices.

    · Brief résumés of the business’s management personnel and principal owners, including their ages, education, and business experience.

    · Banking, business, and personal references for each member of management and for the principal owners.

    · Balance sheets and profit and loss statements for the last three fiscal years (or from inception).

    · Detailed projections of revenues, expenses, and net earnings for the coming year.

    · A statement of the amount of funding you are requesting and the time requirements for the funds.

    · The reasons for your request for funds and a description of the proposed uses.

    · A description of the benefits you expect your business to gain from the financing; e.g. expansion, improvement in financial position, expense reduction, increase in efficiency, etc.

    How Long Will It Take?

    There are no hard and fast rules about the length of time it will take an SBIC to investigate and close a transaction. Ordinarily, an initial position or negative response is made quickly. On the other hand, the thorough study an SBIC must undertake before it can make a final decision could take several weeks or longer. Naturally, a well-documented presentation on your part will reduce the amount of time the SBIC will require to make a final decision.

    How Are SBIC Financings Structured?

    The SBIC financing will be tailored individually to meet your needs and to make the best use of the SBIC’s funds. You and the SBIC will negotiate the terms of the transaction. SBICs are often interested in generating capital gains, so they may wish to purchase stock in your company or advance funds through a loan with conversion privileges or rights to buy stock at a predetermined later date.

    How Can SBIC Money Provide Additional Credit Lines?

    If the SBIC money is provided to you in a subordinated position, it will often do double or triple duty. Industry averages show that for every SBIC dollar placed with a small business concern, two additional senior dollars become available from commercial banks or other sources.

    Are There Unique Advantages to SBIC Financing?

    Yes. Before it receives its license, an SBIC must prove that its management and directors are experienced individuals with a broad range of business and professional talents.

    This expertise will be applied to assist your business, supplementing the skills of your own management team. Here again, the actual pattern of management and financial counseling will be tailored to each situation. SBICs can make only long-term loans or equity investments, and but they seek to align their interests and yours to grow the company and increase its profitability.

    What Is The Small Business Investor Alliance?

    The SBIC industry is represented in Washington, DC, by the Small Business Investor Alliance (Alliance). For over 55 years, the Alliance has promoted the growth and vitality of the industry through effective representation and successful professional programs.

    Whether it is in working for more money for SBICs and, hence, the small companies they invest in, reduced regulatory burdens, or better program management, the Alliance is the primary representative of the SBIC industry.

    For more information

    Contact us by phone at (202) 628-5055 or visit our web resources at


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    General Liability Insurance, Hiscox Small Business Insurance, liability business insurance quotes.#Liability


    General Liability Insurance

    General liability insurance protects your business from another person or business s claims of bodily injury, associated medical costs and damage to property. Some examples of what could be covered are below:

    • Bodily injury :A client falls over your bag and you are legally liable for the injury. We will cover the subsequent claim and related medical expenses up to your General Liability policy s limits of liability.
    • Property damage and data loss : You spill coffee on a client s server causing damage and loss of data. We will cover the subsequent claim up to your General Liability policy s limits of liability.
    • Personal injury : One of your employees is at lunch. He talks to the owner of the shop about one of your clients in a false and unflattering way. The client learns of this discussion and sues for slander. We will cover the subsequent claim, up to your General Liability policy s limits of liability, and pay for an attorney to defend you if necessary.

    General liability insurance will not protect you from everything. For example General liability will not cover you against claims of negligence, even if it isn t you or your business fault. Some people buy other business liability insurance along with general liability

    • Professional liability insurance, also known as E O Insurance, is coverage for another person s claims against businesses that provide professional and personal services.
    • Business Owners Policy (BOP)is enhanced insurance that combines general liability insurance and property insurance.

    You should consider general liability insurance coverage, also called commercial general liability insurance, if you or your employees:

    Hiscox specializes in business liability insurance for professional services businesses like yours.

    • Flexible payment options: We offer you the option of making monthly payments (with no additional fees) to help manage your cash flow.
    • Tailored Insurance: We specialize in businesses like yours and tailor coverage to the risks in your field.
    • Claims responsiveness: When a covered claim is reported, we will immediately defend you even if the claim has no basis and, if necessary, appoint an attorney.
    • Coverage for contracts: Our liability insurance coverage satisfies most standard contract insurance requirements.
    • Worldwide coverage: We protect you for work done by your business anywhere in the world, as long as the covered claim is filed in the United States, a U.S. territory or Canada.
    • Passion for service: 97% customer satisfaction rating and we were voted in the top 100 Business Influencers of 2014.

    Get a fast, free quote now and get that Hiscox confidence behind your business, too. If you still have questions, read our general liability insurance FAQ s or you can call us at 1-866-283-7545 and speak with a Hiscox licensed agent, Monday thru Friday from 8am-10pm ET.

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    This information is provided to assist you in understanding the coverage we offer and does not modify the terms and conditions of any insurance policy, nor does it imply that any claim is covered. Specific coverage terms can vary by class of business. Coverages are subject to underwriting and may not be available in all states.


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    Business Internet Providers in Virginia Beach, VA #business #internet #service #providers


    Business Internet Providers in Virginia Beach, VA

    Kinds Of Business Internet Service Providers (ISPs) in Virginia Beach, VA

    Internet options in Virginia Beach, VA have evolved quite a bit over the past 20 years, and technology continues progressing further each year. Businesses that have been using a single type of ISP, may want to examine some of the new options. These companies may find that they have a chance at a major upgrade in services. Though, each type of internet connection does come with some drawbacks that businesses should be aware of. Some kinds of internet are efficient, but may not be as available or have a limited distribution network. Before making a choice, businesses need to figure out just what options are available in their region. The most popular kinds of internet service available include, cable, satellite, fixed wireless, fiber optic cable, T1, and DSL.

    Business internet service in Virginia Beach, VA is not the only feature offered by most ISPs. Businesses can also get additional services bundled together. For convenience and savings, it’s usually best to look for an ISP that provides the complete package of everything a business needs. This can include email, phone service, television, and business web hosting. Complete bundled packages are available from many ISPs, which can help businesses stay within their budget. Plus, ISPs may offer certain business services, like customer support. It keeps the costs of hiring in-house people to do the same job. Companies can also benefit from the experience of the expert IT people that ISPs provide for these services too. In the end, getting more features in a bundled package can lead to lower operating costs.

    Companies in Virginia Beach, VA need an ISP that provides consultations to help them select the best service and features. A good ISP will provide an on-site consultation with an IT expert who will visit and assess the company’s needs. Usually, the IT expert will suggest options that can improve business efficiency, such as upgrading existing technology or adding remote management of devices. The expert will also provide advice on how much bandwidth is required based on the number of company employees and the number of devices used.

    What to Consider When Selecting Business Internet Service in Virginia Beach, VA

    It’s maddening and detrimental for a business when it takes hours to upload and download crucial data. What’s more, by selecting a slower speed to cut costs, a company may be working against their best interests. It doesn’t help to cut costs and expect fantastic results. For full competency, a business must function proficiently during peak hours when operations can become extremely busy and take into account future growth.

    Bandwidth caps and throttling are also important factors when it comes to Virginia Beach, VA business internet bandwidth and speed. A business should inquire whether an ISP restricts the download speed depending on the time of day. A company should also inquire about any other aspects that may result in limitation. It’s important to consider the details of the internet service your business is signing up for. Many have restrictions included in the fine print.

    In addition, a company should be leery of providers that offer diminutive security safeguards. A good business ISP in Virginia Beach, VA will offer anti-spam, anti-malware, anti-spyware defense, and anti-spam protections. The Internet provider should provide details of the quantity of protection available, mobile devices that can link to the system, and backup capabilities. Moreover, if the system breaks down, a competent provider should restore whatever was lost on the network via the backup. If the backup is located at the company site, it’s probably time to shift to a cloud-based system.

    Picking the Best Business Internet Provider in Virginia Beach, VA

    The ISP should always offer help, and businesses should be encouraged that help is there when needed. Having the best internet connection will make sales higher and will give all of the employees the incentive to work harder.

    All businesses in Virginia Beach, VA should choose an internet provider that comes with a Service Level Agreement. This is a guarantee of almost all uninterrupted uptime. Business owners should also ask about what can be done if their internet connectivity becomes interrupted. For example, many internet providers will offer a discount on their bill if the internet goes down because of a problem on their end. Also inquire about available support lines for your company if you need to call for assistance, as well as the competency of their technicians.

    Wirefly is here to help you compare the different business Internet plans in Virginia Beach, VA. You can see how well other companies have worked for people in the past, as real advice is the best kind to take. Sometimes, new service providers are added that are worth checking out. A reliable and reputable business internet provider can be tough to find if you aren’t using Wirefly.

    With Business Internet in Virginia Beach, VA, Reliability and Scalability Is Crucial

    The location of your business might limit your options of business providers. Despite the fact that your options are limited, you should always conduct a careful analysis of each internet provider. You will ensure that your business gets the worth of the cash you spend. You should also find out whether the ISP is adaptable to future changes. The internet is constantly evolving. Thus, a good business ISP in Virginia Beach, VA should be flexible enough to respond to the changes.

    The development of the IPv6 is an example of future changes in the internet. IPv6 is set to replace IPv4 because it offers unlimited amount of IP addresses. IPv6 will play a significant role in the future because many devices have internet capability. In the future, it will be easier to connect these devices to the internet if they have a unique address. Consequently, it will be cheap for businesses to connect to the internet. Always put all these factors into consideration when searching for an ISP. It will be easier for you to increase efficiency at affordable prices.


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    Business Loans #business #loans, #business #loan


    Small Business Loans

    Could investing in new equipment give your business a boost? Maybe you re looking to refurbish your property or start a new project? Whatever your plans, get them started with a fixed rate Business Loan.

    To be eligible for a Small Business Loan you must also be a Santander Business Current Account holder.

    Put your plans into practice: Borrow from 2,000 up to 25,000

    Terms based on your needs. Pay back over 1-5 years

    Manage your monthly costs with a fixed rate: from 4.9% APR to 24.9% APR

    No fees: We won’t charge you an arrangement fee on our Business Loans

    If you require a business loan over 25,000, please visit Corporate and Commercial Banking .

    Please read the full product details and terms conditions before applying.
    Other borrowing options are available,
    such as overdrafts or asset finance; see our business borrowing and finance options to find out more.

    All lending is subject to status, availability and our lending criteria. The right to decline any application is reserved. The actual interest rate offered will be dependent on an assessment of your circumstances.

    Representative example
    Loan amount of 10,000 with a monthly repayment of 200.99 over a loan term of 60 months at a rate of interest per annum (fixed) of 7.6%. This is equivalent to 7.9% APR representative. Total amount repayable is 12,059.

    Interest rate
    Rates from 4.9% APR to 24.9% APR. The actual interest rate you re offered is based on a credit assessment of your financial circumstances. Once the loan is taken, the interest rate is fixed for the duration of the loan. Interest is calculated daily on the outstanding loan balance.

    There are no arrangement fees for setting up a Business Loan.
    Early repayment charges may apply.

    Monthly Repayments
    See what your monthly repayments could be with our business loan calculator

    All lending is subject to status, availability and our lending criteria. The right to decline any application is reserved. The actual interest rate offered will be dependent on an assessment of your circumstances.

    Representative example
    Loan amount of 10,000 with a monthly repayment of 200.99 over a loan term of 60 months at a rate of interest per annum (fixed) of 7.6%. This is equivalent to 7.9% APR representative. Total amount repayable is 12,059.

    Everything you need to know before you apply

    We recommend reading the information in the documents below before you apply. You may like to save or print them so you can refer to them in the future.

    Business Loans Key Facts Document (pdf) including Pre-Contractual Explanation and Statement of Lender and Borrower Responsibilities

    To view these documents, you may need to download Adobe Reader .

    Pre-Contractual Explanation
    We’ve provided a summary below of the important information that’s contained in the Pre-Contractual Explanation. The full version of this can be accessed via the link above. You should also read this before you apply.

    What is a Business loan?
    It’s money that you borrow from us. The amount of the money that you borrow, the interest rate and the repayment time period are all fixed. We don’t take security for a business loan.

    What checks do you need to do for me to get a Business loan with Santander?
    To apply for a business loan you must agree to us conducting a credit check on you. It’s very important to provide accurate information in your application – we might decline your application based on the results of your credit check, or if you have provided false information.

    How much do I have to pay under the agreement?
    You pay a fixed amount each month by Direct Debit (made up of the original loan amount and the interest charged). Your credit agreement will detail how much you pay (in total and each month), and when the payments will be due.

    What are the consequences if I do not keep up with repayments?
    If you miss a repayment, we can deduct the missed payment from your other accounts with us. We will also record details with a credit reference agency which could damage your credit rating.
    If you miss multiple repayments, your credit rating can be damaged and you might have legal proceedings brought against you or a charging order registered against your house.
    To avoid getting into this situation please contact us if you are having difficulties in making your repayments.

    Are there any features of the agreement which may operate in a manner which may adversely affect me?
    You should read all documentation provided to you and consider the information carefully before taking out a business loan to make sure that it is right for you.

    Your right to cancel
    You can change your mind up to 14 days after you sign. If you do this, you must repay anything you owe.

    Can I repay my Business loan early?
    You may repay the loan in full at any time before the final payment is due. Details of how to do this are in your agreement.
    A business loan is designed for borrowing a fixed amount of money for business purposes over the full term of the loan, however it can be repaid early, if you wish.

    All lending is subject to status, availability and our lending criteria. The right to decline any application is reserved. The actual interest rate offered will be dependent on an assessment of your circumstances.

    You can apply for a Business Loan if:

    • you have a Santander Business Current Account
    • all directors, owners (shareholders) or partners are aged 18 or over
    • all directors, owners (shareholders) or partners are UK residents
    • your business is registered in the UK
    • you are either a sole trader or your business is a partnership, limited liability partnership, private limited company or a trust
    • you have a good credit history and haven t been declared bankrupt or had an Individual Voluntary Arrangement in the last 6 years (either the company, directors, owners or partners)
    • you haven’t been a disqualified director or a director of a failed business within the last 6 years
    • you’re able to repay your fixed loan repayments by Direct Debit

    Apply online
    If your business has up to two directors, owners (shareholders) or partners, you can apply online

    Apply by phone
    Call us on 0800 313 4481. Lines are open Monday to Friday 8am to 6pm.

    Apply in branch
    To see if a Local Business Manager is available to support you, contact your local branch

    If you re a new customer and you d like to open a Business Current Account and apply for a Business Loan at the same time, you can:

    Apply by phone
    Call us on 0800 313 4481. Lines are open Monday to Friday 8am to 6pm.

    Apply in branch
    To see if a Local Business Manager is available to support you, contact your local branch

    What happens after I apply?
    Our Business Loan is subject to status. If your application is approved, we’ll send you a Business Loan agreement to sign and return. Once received, we’ll pay your Business Loan into your Santander Business Current Account. Repayments are made by Direct Debit.

    Frequently asked questions

    You may also be interested in


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    Business interview: Sharon Munro, Barrhead Travel – The Scotsman #where #to

    #barhead travel

    Business interview: Sharon Munro, Barrhead Travel

    Have your say

    HOLIDAY companies have faced tough times during the recession but Sharon Munro, the boss of Glasgow-based Barrhead Travel, enjoys her job so much sometimes she pinches herself, writes Erikka Askeland.

    Munro, 39, has been with the company her father Bill founded in 1968 since she got her first part-time job there as a Saturday girl.

    In 2007 she led a management buy out in a succession plan that saw ownership of the group remain with the family. Under her stewardship, the company has seen dramatic growth and faced the challenges brought to the industry by internet booking and low-cost airlines head on.

    Next month the firm will open a flagship corporate travel boutique in Glasgow. The move comes as the company is bringing on board £14 million worth of corporate travel business.

    The group has also recently developed a customer management technology platform, dubbed Nevis. The platform has provided the company with a means of growing its franchises as it expands the management tools available to fanchisees. Nevis will also prove a beachhead into new markets – Munro has her sights set on licensing the technology to Australian firms as well as looking for acquisitions down under. “We think Nevis has got huge potential,” she says.

    But holidays are still the firm’s top priority. Barrhead’s expanding high street presence is an unusual facet of the company’s success, running contrary to the belief that traditional travel agents, where you sit in front of a desk flipping through a glossy brochure, are a thing of the past.

    She says: “People have been telling me for years that when the web came along that would be the end of the travel agent. Low cost carriers came along – again they said it was the end of the travel agent.

    “More of our business will be transacted online in the future. But there are a lot of products – cruising, long haul – that still need travel agents. We try to offer products that are unique, tours that are a wee bit different. Sometimes I pinch myself, it’s so exciting and no two days are the same.”

    Barrhead’s shops usually feature holiday themed fit outs and increasingly the latest technology to showcase dream holiday destinations.

    The firm recently upgraded its premises at Silverburn shopping centre, moving into a bigger shop unit, and Munro has plans to revamp Oswald Street in Glasgow at the end of the year.

    “We have point and click screens where you can watch a video about the destination, and iPads so customers can use them to browse. If customers want help they can get it, or if they want to book on the iPad they can. We are trying to reinvent ourselves all the time.”

    In December, Barrhead acquired Larbert-based The Cruise Specialist, making it the largest cruise retailer in the UK. Meanwhile, in April last year it opened up a call centre in Cumbria after Thomas Cook closed down its operation there.

    “We saw an opportunity to pick up some really good quality, experienced people who were knowledgeable about cruises. It takes a long time to train people on the knowledge of the different cruise ships and the different options,” she says.

    She agrees that Thomas Cook’s crisis has been Barrhead’s opportunity. The 172-year-old group recently announced it was cutting thousands of jobs after struggling with a slump in sales that has forced it to renegotiate bank loans and sell off planes and stores to lighten its debt load. But Munro is quick to say that she thinks very highly of the group’s new chief executive, Harriet Green.

    “Harriet is doing what she has to do to save the business. I think she’s done a great job. I feel for the people who have been made redundant, we have been very sad for them, but for us it has been an opportunity to take on new people. We will be taking on about 20 to 40 Thomas Cook people in the next few months.”

    Since Munro has taken the helm, the business has grown rapidly. In 2007, Barrhead had eight high street shops with a turnover of £68m. Munro says the firm is now on track for a turnover of £200m this year and has 52 stores, 27 of which are franchised operations.

    Dad Bill remains a shareholder and the chairman. Having a former chief executive as chairman can sometimes prove tricky to manage for any new boss with fresh ideas, let alone one who is also your father.

    “We’ve had our moments,” says Munro. “We are both very passionate about the business. He’s still involved in the strategy. It’s great to have him there, he’s got a wealth of knowledge. Sometimes when you are at the top of any business it can be quite lonely. I’m fortunate that I’ve got someone to talk to who has been there.

    “It’s my decision and he supports me, He challenges us, acts as a devil’s advocate and makes sure we know what we want to do.”

    But is she the boss? “Yes”, she says quietly. “I hate to say it but yes.”

    The family tradition that Munro continues to espouse is a healthy scepticism of debt. While Munro had bank backing behind the MBO, she says that’s now all paid back.

    A company like Barrhead – growing fast, investing in expansion and technology yet debt free – is probably just the sort that banks would lend to if it wanted to buy a fleet of aeroplanes or swallow a rival, but Munro is reticent.

    “The thing about us is we take the responsibility of having 750 employees very seriously. We will continue to grow and expand but we will do that in a controlled way.

    “We take calculated risks. We want to be here in another 20 years.”

    Born: 1972 in Glasgow

    Education: Laurel Bank School in Glasgow

    First job: I had a paper round while still at school, earning a penny a paper, and also was a Saturday girl at Barrhead Travel.

    Ambition while at school: To work with disabled or underprivileged children

    Car: Porsche Panamera

    Kindle or book? Book

    Music: Everything from Pavarotti to Blondie to Daft Punk


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    Everest College – Skokie, IL – Colleges – Universities #insurance, #financial


    Everest College

    High School, Secondary.

    Everest College was established in 2015, in SKOKIE, IL – Cook County and is a business listed in the categories Colleges & Universities, Business, Vocational & Technical, Elementary Schools, Secondary Schools, Miscellaneous Government, Elementary And Secondary Schools, Colleges, Universities, And Professional Schools, Schools, Vocational, Business, Executive Offices, Colleges, Universities, & Professional Schools, Government Offices, School Colleges & Universities, School Secondary & Elementary and School Business & Vocational and offers Insurance, Financial Aid Available, Career Planning, Financial Aid, Financial Assistance, Financing etc. If you did business with Everest College, please leave a review and help us improve and help other people. Also, don’t forget to mention Hubbiz.

    Colleges Universities, Business, Vocational Technical, Elementary Schools, Secondary Schools, Miscellaneous Government, Elementary and Secondary Schools, Colleges, Universities, and Professional Schools, Schools, Vocational, Business, Executive Offices, Colleges, Universities, Professional Schools, Government Offices, School Colleges Universities, School Secondary Elementary, School Business Vocational

    Insurance Accepted, Apply by Mail

    Financial Aid Available, Career Planning, Financial Aid, Financial Assistance, Financing, Tuition Assistance, Dentistry, Massage Therapy, Accounting, Business, Day, Pharmacy, Pharmacy Technician, Body Work, HANDS-ON CAREER TRAINING IN. Medical Administrative Assistant, MEDICAL ASSISTANT, Medical Insurance Billing and Codin Pharmacy Technician, CAREER SERVICES ASSISTANCE AVAILABLE TO GRADUATES, Hands-On Training Learn by Doing, HIGHER EDUCATION


    Dental Assistant, High School Programs, Medical Administration, Pharmacy Technology, Graduate Degrees, Health Medical, Medical Assistance, Training Programs, medical office administration, Health Care, Medicine, Medical Office Administration


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    MBA Program #mba #programs, #mba #school, #mba #program, #mba #online, #best


    Master of Business Administration


    The MBA program is committed to provide students with an academic curriculum that focuses on an action-based learning model that integrates theory, research and application to real world issues. Through the courses, the MBA program seeks to foster learning environments that stimulate entrepreneurial thinking and enables students to utilize their knowledge to create and launch innovative business ventures.

    Vision and Value

    Nyack s MBA program is designed specifically for students who wish to work full-time while earning their degree. By choosing the Nyack College MBA program, students benefit from:

    Course work prepares students for the workplace with real-world business challenges, taught by faculty with superior academic credentials and a strong background in business.

    The MBA program offers locations in Manhattan, Nyack and online.

    The MBA program allows you to complete your MBA coursework in as little as 16 months, with classes held in Manhattan two weekday evenings, Nyack on Saturdays, or online.

    With an average cohort size of 15 students, the MBA program ensures you receive the personal, hands-on attention you deserve.

    The MBA is delivered in a small cohort format providing an outstanding community experience for each student. You will develop deep relationships as you work together in teams, assist each other in completing assignments, and graduate together at the end of the program.


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    Madison General Liability Insurance – Business Insurance Quotes in Madison #


    General Liability Insurance

    Madison General Liability Insurance

    Madison general liability insurance is available for your business whether you are just starting up the venture in Wisconsin or have owned the WI company for years. If you are a longtime owner in Madison, you may have not considered searching for new Madison general liability insurance after registering for your first policy.

    However, periodically requesting quotes for new rates is important to ensure you are still receiving a plan from a top liability coverage provider in Wisconsin and also that you are paying reasonable amounts for the policy that you purchased. Therefore, the following are a few tips if you are considering searching for a replacement of the current general commercial liability insurance plan that you own.

    Tips for Meeting Coverage Needs

    As the owner of a long standing business in Madison, your company has likely experienced a fair amount of success during the time that you have owned it. As such, you want to do everything possible to preserve that success during the time that you own the venture. One of the best ways to safeguard against unknown dangers that could wipe out the company’s financial stability is to ensure that you have sufficient Madison general liability insurance. Some owners have a policy in place but don’t realize that the plan that they own would be insufficient if they were ever involved with a major liability claim.

    Therefore, regardless of if you own a restaurant or another type of venture, it is important to reassess whether or not you have sufficient Wisconsin general liability protection. This process can include researching such factors as the value of the company that you own as well as what hazards exist within the facility. Understanding the hazard level of the company is particularly important because this can largely determine how likely an accident is to occur.

    If you already have a policy in place that you purchased when first taking over the business, it is very likely that you can now receive a better premium rate from newer top providers of Madison general liability insurance providers. As such, even if you are satisfied with the current provider, it may be in your best interest to shop around for new rates just to gauge what other policy options are now available.

    Regardless of which Madison general liability insurance plan you choose to purchase, it is important to always maintain the proper amount of coverage to avoid the stresses that are associated with having insufficient insurance. One of the major causes of stress among owners is dealing with the financial hardships that come along with liability claims when they didn’t have enough general insurance in place. Being the owner of a venture is stressful enough when dealing with day to day issues, you shouldn’t be burdened with unnecessary financial hardships due to insufficient protection. Hopefully by having a quality general Madison liability plan in place, the venture will remain successful during the time that you own it so you can sell it to take an early retirement or to pursue other businesses in Madison.

    Finding Quality Options

    When you are ready to begin searching for new rates on Madison general liability insurance plans, the best first step to take is requesting quotes online. The internet is the best outlet to use for requesting offers because it is fast and gives you access to many top providers in Wisconsin. Having access to this variety of providers is important because it gives you more power to find the lowest rates that are currently available.

    After you receive several offers for general insurance for liability, you are ready to move into the insurance comparison phase. Taking the time to compare the rates that you receive is important because this will help guarantee that you choose the offer which is truly best for your Madison small business needs. One of the first things you will likely want to do when comparing Madison general liability insurance offers is evaluate the overall premium amounts. Since you are likely working on a limited Madison WI company budget, you want to ensure that a plan is chosen with a premium which you can afford to pay.

    When comparing the plans, you may even want to research the customer reputation of each Madison general liability insurance provider that extended you quotes. Knowing the general customer reputations is important because this will show you how well each provider treats their customers. Hopefully by comparing these factors, you will easily be able to find the best general plan to meet your company’s needs. Additionally, it can be beneficial to periodically check if any new rates have emerged in the future by returning online. You never know when you could find a better offer for Madison general liability insurance so it’s in your best interest to periodically compare the insurance market.


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    Maxine Aaronson – Tax Attorney Dallas Houston Texas IRS representation #tax


    Dallas, Texas Tax Attorney

    Board Certified in Tax Law by the Texas Board of Legal Specialization, Maxine Aaronson has more than 30 years of experience helping clients manage the impact of federal and state taxation on their families and businesses. She limits her practice to the following areas:

    • Business and tax planning
    • Structuring and documenting business transactions
    • Resolving issues with the Internal Revenue Service
    • Trust and estate planning

    Maxine works closely with business owners and their families, helping them make tax-smart business decisions, plan for retirement, transfer wealth to children and grandchildren and structure their financial affairs to protect family assets. Her clients are primarily closely held businesses, their owners and their executives.

    A Personal Touch

    Maxine takes a personal interest in her clients’ businesses, often saying that her business is about helping her clients’ businesses succeed and prosper. A team player who works closely with a client’s in-house and outside accountants she strives to deliver quality services in the most cost effective manner. Unlike many tax lawyers practicing in larger firms, Ms. Aaronson personally handles all of the clients and cases she accepts. She likes to maintain an ongoing relationship with her business clients so that she can pro-actively advise them of potential tax pitfalls to avoid and of tax planning opportunities to seize.

    As a regular part of her practice, Ms. Aaronson helps her clients prepare and execute business succession plans, set up, buy or sell businesses, handle Internal Revenue Service audits, and design and implement compensation plans and retirement savings programs for owners and key employees.

    In addition to the practice of tax law, Maxine is frequently asked to serve as a mediator for other attorneys because of her ability to efficiently resolve complex tax, business and commercial matters. She also has experience working as a mediator in tax cases involving both the Internal Revenue Service and the Texas State Comptroller’s Office.

    Share This Page:

    2016 – 2017 Maxine Aaronson Attorney at Law. All rights reserved. Custom WebExpress website design by .


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    FIN370 Finance For Business Course – University of Phoenix #fin370 #finance


    Finance For Business

    This course introduces the student to the essential elements of finance for business. Emphasis is placed on financial management, financial markets, and the tools, techniques, and methodologies used in making financial decisions. Topics include: financial statement analysis, time value of money, financial markets and institutions, risk and return, financial planning, and international finance.

    Course details:

    Duration: 5 weeks

    topic title goes here

    Finance, Cash Flow, and Financial Statement Analysis

    • Define finance, financial management, goal of the firm and agency theory.
    • Distinguish between the four basic financial statements; income statement, balance sheet, statement of stockholder’s equity and cash flow statement.
    • Explain cash flow from assets and cash flow to creditors and stockholders.
    • Distinguish between the various financial ratios used in financial statement analysis.
    • Examine financial planning and the percentage of sales approach in creating proforma financial statements.

    Risk and Return, Cost of Capital, and Dividend Policy

    • Explain the concepts of diversification and Beta.
    • Calculate the weighted average cost of capital.
    • Evaluate dividend policy and the effect on corporate growth and cash flow.
    • Summarize systematic and nonsystematic risk.

    Working Capital Management, International Finance, and Mergers and Acquisitions

    • Explain the operating and cash cycles for a firm.
    • Describe the credit policy of the firm and its effect on operations.
    • Assess the risks of international expansion and how to mitigate those risks.
    • Apply the basic concepts of mergers and acquisitions.

    Time Value of Money, Bond Valuation, and Stock Valuation

    • Identify time value of money (TVM) concepts and their applicability to corporate financial analysis.
    • Apply the five time value of money (TVM) inputs: Present Value, Future Value, Rate, Number of Periods, and Payment.
    • Calculate the price and yield of a corporate bond using time value of money (TVM) inputs.
    • Determine the value of common stocks using the dividend discount model.

    Capital Budgeting, Project Cash Flows, and Firm Leverage

    • Calculate net present value, payback, internal rate of return, and the profitability index.
    • Explain capital investment decisions and corporate cash flow.
    • Illustrate capital budgeting including project cash flows and net present value.
    • Describe break even analysis, financial leverage and operating leverage.

    Tuition for individual courses varies. For more information, please call or chat live with an Enrollment Representative.

    Please ask about these special rates:

    Teacher Rate: For some courses, special tuition rates are available for current, certified P-12 teachers and administrators. Please speak with an Enrollment Representative today for more details.

    Military Rate: For some courses, special tuition rates are available for active duty military members and their spouses. Please speak with an Enrollment Representative today for more details.


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    Iibm institute of business management #nmims, #top #university #in #india, #leading


    Mumbai Campus

    SVKM’s NMIMS Deemed to be University’s Mumbai Campus is conveniently located at JVPD Scheme, close to the Domestic and International Terminals of the airport in the financial and commercial capital of the country, Mumbai. It has 11 Schools and 1 center of excellence (viz. IIPS) in its ambit with each School operating like an independent business unit and having its separate infrastructure.

    Our Schools

    School of business Management

    The SBM educational experience aims to equip students with a bedrock of management skills to help them navigate through the complex business environment of today.

    Mukesh Patel School of Technology Management and Engineering

    The institute offers undergraduate, postgraduate and doctoral programs in the areas of greatest demand and scope, with a student centric environment.

    Shobhaben Pratapbhai Patel School of Pharmacy & Technology Management

    Pharmacy & Technology Management is a model pharmacy school conducting various graduate, postgraduate and research programs in pharmaceutical sciences.

    Balwanth Sheth School of Architecture

    BSSA focuses on various modes of architectural education, research and practice. It emphasizes on the ever changing ethos, behavioral sciences, tools and techniques, and assimilates all in contemporary design expression

    Sunandan Divatia School of Science

    The goal of the Sunandan Divatia School of Science is to be a Center of Excellence in the domain of Pure and Applied Science by providing quality education and research

    Anil Surendra Modi School of Commerce

    School of Commerce, an attempt to emulate its path breaking endeavours in other fields of education to undergraduate business education

    Sarla Anil Modi School of Economics

    The program, with its innovative pedagogy, contemporary curriculum incorporating the latest developments in Economics.

    NMIMS Global Access – School for Continuing Education

    These wide range of programmes cater to the diverse needs of working executives, management students, fresh graduates as well as housewives

    Institute of Intellectual Property Studies

    IIPS provides comprehensive training in the study and application of the various forms of intellectual properties like patents, copyrights, trademarks, designs, etc

    Kirit P. Mehta School of Law

    Legal professionals who are sincere, dedicated, knowledgeable, updated and articulative are bound to achieve recognition and reputation and hence would be in ‘demand’

    Jyoti Dalal School of Liberal Arts

    A Liberal Arts education will enable students to hone their ‘Cognitive skills, Life skills and Work related skills’ which will also help them in their Career.

    School of Design

    The School of Design will arm its students with education for the emerging Design scenario. It will employ the power of multi-disciplinary and build an eco-system to engage in ‘humanising technology’ and thus, look beyond employability to futuristic profiles.


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    Cafe Business Plan #internet #cafe #business #plan #pdf, #business #plans

    Cafe Business Plan

    1.0 Executive Summary

    The Russet Cup will be a one of a kind coffee house / café located in Overland Park, Kansas. The 1,500 square foot café will be located in the newly constructed Market Square Plaza located on the northeast corner of 135th Street and Mission Street. The anchor tenant, the Price Chopper grocery store, has already taken occupancy and the excellent location brings more than 10,000 shoppers weekly.

    The Russet Cup, aptly named for the aromatic brown liquid that will fill the cup, fills the void of original cafes in the market area, stands out from its corporate peers with their fast food concepts and fast services. The Russet Cup is the alternative to fast food/commercial/coffee shops and offers a much calmer, civilized gourmet coffee experience. There are no televisions in the café, the background music is subtle and work from local artists will hang on the walls. The café is well appointed with overstuffed leather chairs and sofas in a library like setting. The café is reminiscent of times gone by – yet is cutting edge technologically with WIFI and state of the art espresso machines.

    The Russet Cup measures its financial success in terms of increased market share and in earnings. With a total local market of $54 million, this is a tremendous opportunity! The keys to success will be the ability to offer quality gourmet coffees, take advantage of its small size, and reliance on an outstanding barista staff. In order to achieve these goals, the café will offer some the area’s finest gourmet beans from local distributors. Because of its small size, the café can enjoy larger margins in the form of lower overhead. The cafe will hand select baristas and offer salaries comparable to the chains. In turn the baristas will be trained to cross-sell, and sell the higher margin products. d.

    1.1 Business Objectives

    The primary objectives of the business plan for Russet Cup are below:

    • To increase revenues $36,000 or 5% in Year 2 and by $73,000 or 10% by Year 3
    • Achieve a profit margin of 5.2% in Year 2 and 6.90% by Year 3
    • Be the Café of Choice in the Overland Park area and recipient of the Best Coffeehouse Award

    1.2 Mission Statement

    The Russet Cup is committed to its products and employees which they believe is the recipe for market success.

    1.3 Guiding Principles

    The Russet Cup is committed to values such as excellence, passion, quality, integrity and leadership which allow them to navigate challenges and provide for future opportunities. These core beliefs start with their commitment to their products and their employees.

    The Russet Cup rewards excellence and cherishes loyalty. The café will work with its employees to build strong businesses and a secure future.

    1.4 Keys to Success

    The Russet Cup stands out from the competition. Below are their Keys to Success:

    • Great Products – providing exemplary products at market prices – will make customers want to return again and again
    • Hire Quality Baristas – Pay employees rates similar to the larger chains with opportunities for long term careers and opportunities for advancement with long term plans to open a second facility
    • Convert Customers to Connoisseurs – Only 40% of the nations coffee drinkers consume premium ground and whole bean coffee – this will aid in continued growth


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    General Liability Insurance For Doctors, Commercial Liability Insurance Doctors and Health


    Doctors Family Practitioners

    Doctors Family Practitioners

    As a doctor, your primary job is to take care of your patients. Independent doctors have offices to run as well however, and a variety of additional responsibilities arise in those cases. You have the added job of making sure your office is both welcoming and safe. You also have employees, suppliers and distributers to take into account. Keep your doctor’s office running smoothly and safely by making sure you carry the right types of business insurance coverage.

    General Liability

    General liability is a must-have insurance for all small businesses. As a doctor with your own offices, this insurance is even more important because it helps keep your patients safe and secure. General liability grows as your business grows too, so that you do not have to worry about adding new offices or services that require separate coverage.

    General Liability Insurance Includes:
    • Premises Liability – Premises liability insurance is part of your commercial general liability insurance that takes care of your customers. If a patient is injured in an accident while at your doctor’s office, premises liability will pay for the costs they incur to receive medical treatment. This coverage applies to property damages as well. If a patient’s property is damaged while on your business premises, the cost of repairs for that property are covered.
    • Products Liability – As a doctor you may sell medical or health related products as part of your overall patient services. Sometimes products are found to be defective at a later date however, and those defects can bring harm to your customers. If patients purchase products from you and later are injured or harmed in some way by the products, they may sue your doctor’s office. Products liability pays for damages and claims of this sort so that you don’t have to. This coverage also pays for damages or liability related to mistakes in advertising, and it can help pay for your legal defenses in such cases.
    • Completed Operations – Completed operations coverage protects your doctor’s office from lawsuits that arise after you have completed services or operations on your patients. If for example, a general practitioner lances a boil on a patient’s leg, he has completed services for that patient. If the patient later develops problems as a result of that service, he may sue your offices. Completed operations insurance pays for the litigation expenses, settlements and damages.

    Business Owners Policy

    A business owners policy, or BOP. includes all of the benefits of commercial general liability coverage and adds coverage for tangible and intangible business assets. This insurance is designed to be customized to the particular needs you have as a doctor. Examples of the types of insurance coverage you can select with a BOP include:

    • Buildings and Contents
    • Business Income and Extra Expense
    • Electronic Data
    • Newly Acquired or Constructed Buildings
    • Employee Dishonesty Coverage

    Business Auto

    Business auto insurance protects you and your employees in the event there is an auto accident related to your doctor business. If you drive to a medical conference for example, and are involved in an auto accident, your business auto insurance coverage will pay for the related bodily injuries and property damages accordingly.

    Workers Comp

    Doctors employ other people when they run their own independent offices. By law, employers must carry workers comp insurance on all employees. This coverage pays for the employee’s medical bills and related expenses if they are injured on the job.

    Malpractice Insurance

    As a medical professional, you are at risk of making professional mistakes. Malpractice insurance, or professional liability coverage, protects you from legal issues and settlements that arise when you make a mistake while providing professional medical services.

    Commercial Umbrella

    Commercial umbrella insurance provides added protection above and beyond your standard general liability business coverage.

    Insurance Quote For Doctors Family Practitioners

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    MSc Science Communication at Imperial College London on #masters, #masters #admissions,


    MSc Science Communication

    AHRC-funded studentships at Imperial College – 2 Awards

    The Department of Humanities at Imperial College is pleased to announce AHRC-funded studentships. We have two professional preparation studentships to support study on the MSc Science Communication, under the specific subject area of Journalism and Publishing studies. This funding will cover tuition fees for EU students. UK students also receive a monthly bursary payment of approximately £900 for the duration of the course.

    Value of Scholarship(s)


    To be eligible for funding you must meet certain criteria which are set out in the AHRC’s student funding guide:

    Application Procedure

    Applicants who have already received an offer of a place on the course should submit a statement to Liam Watson (Science Communication administrator) at [email protected] demonstrating suitability for a studentship in the relevant subject area and explaining how the funding will benefit your future career. Applicants who have not yet applied for a place on the course must in addition complete the online application form by the deadline below.Further details on the course can be found at: deadline for submission of your statement is Friday 27th May, and you are likely to receive a decision by mid June.

    Further Information

    AHRC-funded studentships at Imperial College – Single Award

    The Department of Humanities at Imperial College is pleased to announce AHRC-funded studentships. We have two professional preparation studentships to support study on the MSc Communication, under the specific subject area of Museum Studies. This funding will cover tuition fees for EU students. UK students also receive a monthly bursary payment of approximately £900 for the duration of the course.

    Value of Scholarship(s)


    To be eligible for funding you must meet certain criteria which are set out in the AHRC’s student funding guide:

    Application Procedure

    Applicants who have already received an offer of a place on the course should submit a statement to Liam Watson (Science Communication Group administrator) at [email protected] demonstrating suitability for a studentship in the relevant subject area, and explaining how the funding will benefit your future career. Applicants who have not yet applied for a place on the course must in addition complete the online application form by the deadline below.Further details on the course can be found at: deadline for submission of your statement is Friday 27th May, and you are likely to receive a decision by mid June.

    Further Information

    Entry Requirements

    Candidates normally require a good Honours degree in a scientific or science-related subject from a UK or equivalent overseas university or college of higher education

    Course Fees

    To find up-to-date information on our fees please visit our Student Finance page (View Website )

    Email Enquiry


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