IBM – Cognos Disclosure Management #ibm #cognos #disclosure #management, #financial #reporting,


Cognos Disclosure Management

Financial reporting and process automation

IBM® Cognos® Disclosure Management is a secure, collaborative, enterprise-scalable reporting and process automation solution that enables users to merge enterprise data with focused narrative analysis in a controlled, auditable environment. It enables organizations both large and small–from multinationals to midsize companies–to automate the collection of data in a single, dynamic reporting and analysis solution. Multiple participants in different departments can collaborate in the assembly of complex reports, working independently while ensuring that proper controls and approvals are in place. Cognos Disclosure Management provides integrated tagging to use on various regulatory filings, including Basel III and Solvency II “Full Measures”, and can create extension taxonomies with pivot based navigation for easy review.

  • Enterprise disclosure management —Combine financial data from a variety of sources with in-depth narrative analysis for internal and external reporting across any department.
  • Financial management process automation —Replace time-consuming manual processes with intelligent process design and automation.
  • Security, control and governance —Manage documents in a collaborative yet secure environment with visibility into the report generation process.
  • Multi-jurisdictional XBRL support —Enable multi-national organizations to use a single reporting/tagging solution.
  • Cloud-based deployment —Provide all the functionality of the on-premise solution with the flexibility of the cloud.

User object summary

Marry qualitative narrative analysis with enterprise data for internal operational reports, presentations and external disclosures.

Visibility and accountability

Provide visibility and accountability in critical reports for management and business leaders in a variety of formats, including Microsoft PowerPoint presentations and Microsoft Word and Adobe PDF documents.

Cognos Disclosure Management screenshots

User object summary

Marry qualitative narrative analysis with enterprise data for internal operational reports, presentations and external disclosures.

Visibility and accountability

Provide visibility and accountability in critical reports for management and business leaders in a variety of formats, including Microsoft PowerPoint presentations and Microsoft Word and Adobe PDF documents.

Enterprise disclosure management

  • Marry qualitative narrative analysis with enterprise data for internal operational reports, presentations and external disclosures.
  • Improve data integrity by integrating with a wide array of data sources, including cubes (OLAP) and relational tables (such as general ledger or data warehouse tables), as well as IBM Cognos Express IBM Cognos TM1 and IBM Cognos Business Intelligence.
  • Export tagged content into Adobe InDesign to create highly-formatted, brochure-style output, e.g. annual reports, etc.
  • Provide midsize companies or departments with an efficient, affordable solution to meet their reporting obligations with greater control and confidence–using Cognos Disclosure Management Express.

Financial management process automation

  • Automate internal reporting such as management reports, operational reports, board books, and strategic plans and forecasts.
  • Provide executive, financial and operational leaders with accurate, timely data and analysis to drive better, faster business decisions.
  • Update reports automatically in real time through integration with corporate data sources.
  • Refresh dynamic data queries from financial consolidation applications such as Cognos Controller, Oracle Hyperion Financial Management (HFM), and more.

Security, control and governance

  • Enhance control over regulatory filings, global statutory and tax reporting, Global Reporting Initiative (GRI) and sustainability reporting, treasury management and other reports that are normally produced manually.
  • Ensure a single version of the truth by bringing together any and all enterprise data, such as BI and performance management data, into reports in a single, scalable solution.
  • Provide visibility and accountability in critical reports for management and business leaders in a variety of formats, including Microsoft PowerPoint presentations and Microsoft Word and Adobe PDF documents.

Multi-jurisdictional XBRL support

  • Generate XBRL-tagged (Extensible Business Reporting Language) documents required for regulatory filings in GAAP and IFRS jurisdictions.
  • Produce high-value documents for EU required reports, including Own-Risk Solvency Assessments (ORSA), Solvency and Financial Condition Reports (SFCR), Regular Supervisory Reports (RSR), and XBRL-tagged, updated Quantitative Reporting Templates (QRTs) in the EIOPA framework release 2.0.1 et seq.
  • Tag financial data and commentary once and have it automatically flow to future reports to support multiple compliance mandates simultaneously.
  • Support industry-specific tagging requirements such as Basel III for banking and Solvency II “Full Measures” for insurance, plus Common Reporting Framework (COREP) and Financial Reporting Framework (FINREP) mandated by the European Banking Authority (EBA).
  • Create extension taxonomies and pivot based navigation to ensure easy review of XBRL documents. Create XBRL facts from Microsoft Office based objects comprising a report.
  • On-premise or on-cloud enterprise disclosure management solution that lets you choose the best delivery mechanism for your corporate environment—without sacrificing capabilities or limiting future deployment options.
  • On-cloud enterprise disclosure management that allows data integration with on-premise data sources.

Cognos Disclosure Management resources

Discover how you can transform the way you collaborate across the enterprise to collect data and merge it with robust analysis and insights using IBM Cognos Disclosure Management.

Learn how Cognos Disclosure Management helps finance teams merge enterprise data with focused narrative analysis in a controlled, auditable environment.

Extend the productivity gains provided by disclosure management solutions to your budgeting, planning and forecasting.

Learn how disclosure management solutions from IBM can extend the value of your existing BI tools.


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The Benefits of Integrating Your Inventory Management Software with Your Accounting


The Benefits of Integrating Your Inventory Software with Your Accounting and Back-Office Processes

Inventory management is about knowing what you have in your warehouse and where your stock is located. However, unless it’s integrated with your back-office systems, an inventory management system alone can’t effectively optimize your inventory, nor ensure the inventory asset value on your financial reports matches what is physically in stock at least not without manual intervention and reconciliation.

To optimize inventory management, leading companies integrate their inventory software directly with back-office and accounting systems. This integration provides a competitive edge with abilities to plan effectively, execute predictably with customers and minimize labor costs and errors associated with manual reconciliation.

Determining the right inventory management system for your business and a strategy for back-office integration requires assessing your needs today and your plans for future growth.

To achieve maximum benefits, your integrated solution must be real-time, flexible, transparent to users, reconcilable and scalable.

Why Integrate Inventory Software with Your Back Office?

The three key benefits to integrating your inventory management software with your accounting and back-office systems are:

  • Optimizing inventory to meet product availability and ROI goals
  • Providing inventory visibility to supply chain partners
  • Stating inventory accurately in financial reports

Although there are other benefits of integration between inventory and back-office systems, these three can provide significant impact to your company’s bottom line.

Inventory optimization: Having the right mix and the right amount of inventory on hand is paramount to both customer and investor satisfaction. Customers want fresh product on demand, and investors would prefer no working capital tied up in inventory. Balancing these conflicting objectives is tricky and carrying extra inventory wastes money beyond the initial material and labor investment.

Activities such as storing, counting and reworking inventory tie up additional working capital, and potentially reduce the availability of products your customers want. Planning the right level and amount of inventory requires your sales order, purchase order and planning systems to have real-time visibility of your inventory.

Supply chain visibility: Many companies are using supply chain partners to manage their inventory levels and customer shipments. To do so effectively, the inventory system must be integrated not only with the company’s back office systems, but also with supplier and 3PL, or third-party logistics, systems. By seeing your company’s fluctuating inventory levels, suppliers can ensure their product is available at your warehouse or 3PL when your customers need it.

Accurate financial reports: Ensuring your annual reports and tax returns are accurate is crucial for your investors and the government. Inventory value can be a significant portion of your stated assets and the recorded value in your books must match the physical value in your warehouse. The only effective way to ensure financial integrity in your company reporting is to integrate the transactions in your inventory system with your back-office chart of accounts.

What’s Important in the Integration

Inventory and back-office system integration must be real-time, flexible, transparent to users, reconcilable and scalable. Being real-time provides the best visibility to your customers and supply chain partners, and ensures that your financial reports are always up to date and accurate.

Users want the integration to be flexible and transparent, as continuous changes in business processes may require adjustments to the integration. Users don’t want to have to think about think about the integration, they just want it to work! Scalability is sometimes forgotten about during the integration design, but if neglected it will come back to haunt you when your company’s success overloads it with high transaction volumes.

The Path to Integration

The easiest way to achieve the integration objectives and criteria we’ve discussed is to find an ERP system with an inventory management module that meets your needs. If this is not feasible, the next best solution is finding an inventory system and an ERP system that were both designed from the ground up with open and flexible APIs.

If systems with open APIs that meet your needs are not available, you can still integrate your systems, but the integration may not be real-time and will require constant maintenance as your system providers upgrade their solutions. Even manual updating and reconciling between systems can work to keep the various systems in sync, but in today’s fast-changing and low-margin business environment, it will probably not work for very long.


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Process Maps #process #maps,value #stream #map,flowchart


Process Maps

Process Maps are detailed flow diagram of the process using color coded symbols that drill further into the high level map generated on the SIPOC .

The purpose is to visually represent the process as it is in reality. Complete the current state map by walking (GEMBA walk) and experiencing the process. This is a valuable learning experience, the team will quickly gain insight about the actual flow. Don’t sit in a room and think it through yourself or with the team. Patience, time, asking questions are all part of the completing this map.

Create a current state and a future state. Your team may want a future state with a short term target (such as 90 days) and a long term ideal state.

To capture all the complexity and improvement opportunities by analyzing each step in detail. Seek out the 7-Wastes and enhance current value-added activities.

Levels of a Process Map

  • Automation Opportunities
  • Material Handling
  • Duplication
  • Redundancy
  • Decisions
  • Delays
  • Rework Loops
  • Non-Value Added Steps vs. Value-Added Steps

These represent opportunity for waste elimination. Proceed with the goal to eliminate waste before settling for waste reduction. Throughout the entire process map, look for the 7-Wastes. So, before process mapping, educate the team on how to “see” waste .

Take caution when considering “automation” to take over manual processes. People are adaptable and much more flexible. Automation is fixed, constant, and often difficult to fix and maintain. In a JIT environment the decision to automate is advised with caution.

This map is considered a living document. It is meant to be reviewed and updated on a continuous basis. The more detail it contains, the better understanding you and the team will have of the true process and opportunities.

Peanut Butter & Jelly Process Map Example

A good process map gets the process from the 50,000 foot level to the ground level of the actual process.

The development of the map is a team effort and it will educate everyone on the reality of the process and most often how little of the total process is value added. Typically, there are obvious improvements that will be become evident while the mapping is being done.

It will not be perfect the first time through, add more detail as it evolves. It is important to remain with the Start and Finish boundaries set forth by the SIPOC in the DEFINE phase.

The team needs to begin identifying the value added steps versus the non-value added steps and time. This realization is clearer during Value Stream Mapping (VSM) that adds more quantification to the steps.

Creating a future state or ideal state (while being realistic yet not too limited) will make it clear to the team that everything getting in the way is opportunity to improve. Laws, regulations, customer standards, past paradigms all need to be challenged because they change over time.

Creating a process map on a computer is common and many software programs exist that have symbols created. However, the first drafts are often very complex and frequently revised.

Create the real flow on paper and post it publicly for others to offer input and critique. It is very important to catch the rework loops, communication issues, decision delays, stops, starts, pick-ups, drop-offs, and other waste so the team fully understands the opportunities.

These hidden factory “what-if” and “sometimes” paths are important for everyone to document and understand. This knowledge will create better subjective decisions when assigning weights to the inputs using the subjective root cause analysis tools in the Measure phase.

Rework Loops

Rework loops are where defects and wasted time are occurring. The team should focus on preventing them, reducing their severity, and detecting them if they can not be eliminated.

Some product or process may actually go through the rework path multiple times and the map does not illustrate this unless specially noted and discussed.

The picture below shows two Rework Loops. Rework loops have varying severity. The process map does not show the amount or cost of pieces scrapped or the amount or cost of pieces reworked. Use the yield calculations to get this data.

Often a Rolled Throughput Yield (RTY) is calculated to help quantify the scrap and rework through these loops and this does not always mean the lowest RTY is the worst financially or to the customer.

If one type of rework is more expensive or higher risk to the customer (such as a delayed delivery), then it may be a higher priority to improve. This is all going to shake out in the subjective root cause analysis tools and the inputs get funneled out to the most important, key process input variables (KPIV’s).

Insurance companies will often use flowcharts to identify hazards or perils that could result in exposure. Flowcharts should also be used by the team to evaluate ideas to reduce these exposures, similar to reducing the severity, occurrence, and detection of an input within a FMEA .

Risk managers often use them along with questionnaires for employees, inspections, and statistical analysis of previous losses to establish premiums for the company. Have an internal Risk Manager sit on your team from your company may be another way to capture financial savings .

Through a careful and detailed inspection process the best overall risk assessment can be done. Process Maps can provide a lot of information in an easy to read format. They will be looking for potential problems that are a combination of hazards, perils, and exposures.

A Six Sigma team may be working to reduce the number of Recordable Injuries and Lost Time Injuries. Some improvements that may be implemented are alarm systems, sprinklers in new areas, facility-wide intercoms, and others that may also qualify your company for reduced property insurance premiums.

Create a Process Map in Excel

Value-Added vs. Non-Value Added

Theoretically, the perfect state of a value stream or flowchart is to have 100% of the steps adding value .

What does this mean?

  • Physical change in the product
  • Customer is willing to pay for the step or service
  • First time yield is 100% – done right the first time

There is some debate about compliance steps. Certain steps are done to meet compliance criteria such testing and documentation. There is usually opportunity to streamline this “regulatory” or “business-mandated” processes.

The team should review these and not simply accept that they are requirements. Challenge the process and rule, ensure that the rules have not changed and get evidence of the rule to validate. Perhaps, the current method has waste or even the requirement is not being met.

  • Set-ups
  • Preparation
  • Meetings
  • Any of the 7-Wastes
  • Inspections (that are not “business or regulatory” requirements
  • Not necessary to add value to the product or service
  • Customer is not willing to pay for the step

Process Mapping – Download

This module provides lessons on how to use different types of process mapping tools to breakdown and understand your business processes. It also gives an insight of how the outputs from this tool can become critical inputs for the more advanced tools you may use through your DMAIC journey.

Flowchart Symbols

Different sources will use suggest different colors denotations for symbols. The color will help to identify specific steps when looking at very detailed maps. It is important that your teams uses a consistent color scheme. There are hundreds of symbols, some of the most common are shown.


Several other visual tools are forms of Process Maps and each has a specific use, is a part of another tool, or is a type of process map.

For example, the SIPOC is more than a very high level process map, it defines the Suppliers, Inputs, Outputs, and Customers and its “Process Map” portion is very generic.

Some of these tools are:

-IDEF Modeling
-SIPOC (very high level)
-Deployment Flow Chart – (focuses on hand-off points)
-Value Stream Map (more quantitative but also has limitations)
-Activity Diagram (more detailed than the SIPOC)
-Detailed Process Map (most detailed “ground” level)
-Swim Lane Process Map


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Online Course: Film Appreciation 101 – CEU Certificate #online #film #classes,


Online Class: Film Appreciation

Course Description

‘Film Appreciation for Modern Audiences’ is intended as a journey through the world of film. It is a sampling of the thought and accumulated critical opinion that forms the basis of the modern stature of 100 years of film-making–as art or culturally important dramatic work.

If you love film, then this course will help you learn more about film analysis, film reviews and discussions, period genres and movements in film style, and more. It will provide you an informed opinion that will hopefully make your enjoyment of the film medium deeper.

This course may be useful for professionals who need to be informed and conversant about the film-industry; for the layman who wants to know as much as he/she can about the world of film for personal enjoyment; or for the student, hoping to become familiar with the ‘lay-of-the-land’ for film-criticism.

Lessons include discussions on the following:

  • How you can get real enjoyment from the films you watch, and why you should care
  • Early film-history
  • The process of film-making and how it relates to understanding the films you watch
  • A look at 100 years of film-styles, genres and movements
  • A discussion of film-psychology, and some fascinating aspects of the perception of films
  • A review of ‘films to watch’, taken in 20-year periods starting in 1900, and moving through 2007, featuring all the classics from each era
  • General ideas about film and art-theory as a consumer habit
  • Film composers to know
  • Film directors to know
  • How to get your twenty-dollar’s worth at the movie-theater
  • New ways to enjoy film and new audience technologies
  • And much more

Lesson 1: The Value of Film Viewing

This lesson asks the question, “Why do we enjoy watching movies?”

  • Lesson 2: Early Film History

    This lesson describes the evolution of filmmaking, the inventors, and early actors.

  • Lesson 3: The Filmmaking Process

    This lesson describes the different phases of the filmmaking process.

  • Lesson 4: 100 Years of Film Styles and Movements

    This lesson describes how technology, culture, and current events affect movie making.

  • Lesson 5: Film Psychology

    This lesson describes how writers and directors can get reactions from movie goers.

  • Lesson 6: Films To Watch:1900 — 1960

    This lesson explores the popular, classic, and well-made pictures of this era.

  • Lesson 7: Films to Watch 1960 — 2007

    With new technology, popular movies are changing. Here are some of the most popular.

  • Lesson 8: General Ideas on Art Theory as a Consumer Habit

    This lesson focuses on questions of art theory. What makes movies “art” or “classic?” What makes a picture “good” or “bad?”

  • Lesson 9: Film Composers to Know

    This lesson lists many of the most popular movie composers, and some of their greatest hits.

  • Lesson 10: Film Directors to Know

    This lesson lists influential film directors of the past and the present.

  • Lesson 11: How to Get Your Money’s Worth at the Movies

    This lesson examines how box office receipts are influenced by the reviews, and by consumer likes and dislikes.

  • Lesson 12: New Ways to Enjoy Film, Technology, and the Future

    This lesson examines some of the new technology available for watching movies.

  • Lesson 13: Personal Enrichment as a Film Audience Consumer

    This lesson provides insight into “reality” versus “big screen.”

  • Additional Course Information

    • Document Your Lifelong Learning Achievements
    • Earn an Official Certificate Documenting Course Hours and CEUs
    • Verify Your Certificate with a Unique Serial Number Online
    • View and Share Your Certificate Online or Download/Print as PDF
    • Display Your Certificate on Your Resume and Promote Your Achievements Using Social Media

    Course Title: Film Appreciation

    Course Number: 7550484

    Languages: English – United States, Canada and other English speaking countries

    Course Type: General Education

    CE Accreditation: Universal Class, Inc. has been accredited as an Authorized Provider by the International Association for Continuing Education and Training (IACET).

    Grading Policy: Earn a final grade of 70% or higher to receive an online/downloadable CEU Certification documenting CEUs earned.

    Assessment Method: Lesson assignments and review exams

    Duration: Continuous: Enroll anytime!

    By successfully completing this course, students will be able to:

    • Describe the value of film viewing.
    • Know early film history.
    • Know the filmmaking process.
    • Define 100 years of film styles and movements.
    • Define film psychology.
    • Describe general ideas on art theory as a consumer habit.
    • Describe new ways to enjoy film, technology, and the future, and
    • Demonstrate mastery of lesson content at levels of 70% or higher.

    Student Testimonials

    • “I appreciate the availability and the comments made on my work.” — Carlos G.
    • “I liked the summaries of the different film, directors,and composers. Some of the aesthetic principles were interesting also.” — Linda B.

    Related Courses


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    Family Law – Divorce Lawyers Troy Michigan #lawyer, #attorney, #law #firm,


    Family Law and Divorce Attorneys in Troy, Michigan

    If you are planning to file for a divorce, understandably, you may feel like your life is spinning out of control. Obtain help from an experienced divorce lawyer to guide you through the legal process. Many important decisions need to be made quickly, which could have long-lasting implications.

    At the Law Offices of Ronald M. Bookholder. our attorneys Ronald Bookholder and Patricia Leary have more than 50 years of combined experience handling divorce and family law matters. We have earned respect from clients and the local legal community with our client-driven approach. Our goal is always to find a constructive resolution, but we fight hard for our clients in court whenever necessary.

    To talk about your options with a compassionate family law and divorce lawyer in Troy, Michigan, contact the Law Offices of Ronald M. Bookholder, online or 877-502-7892. We are committed to representing clients in Oakland County, Wayne County and Macomb County.

    Handling All Aspects of a Divorce

    At the Law Offices of Ronald M. Bookholder, our firm’CM/Custom/Attorneys.asp”>family law attorneys have extensive experience helping clients with all aspects related to divorce and family law. including:

    • Parenting issues. Our law firm has a strong background handling child custody. child support and move away cases focused on preserving the children’PracticeAreas/CustodyParenting-Time.asp”>child custody and parenting time .
    • Property settlement. Our legal team offers strong advocacy and legal counsel in high-asset divorces. We have the skills and legal resources to handle business evaluations. while determining the extent of marital assets and debts in property division .
    • Support issues. At the Law Offices of Ronald M. Bookholder, we strive to find constructive solutions to support issues. In a divorce involving children, child support will always be determined before considering spousal support. If a spouse is paying child support, that amount is considered when determining spousal support .
    • Debt division. The division of family debt should be decided by the divorcing parties, otherwise a court will make the decision. A divorce judge and the divorcing couple cannot stop a third-party creditor from pursing collections. If the debt is joint, the creditor can sue both parties to collect a debt. At the Law Offices of Ronald M. Bookholder, we discuss allocating the responsibility of the parties to pay marital debts.

    Is Divorce Right For You?

    Many family law firms fail to explore whether a divorce is actually the best option for their clients. Even the best attorney cannot provide much help if clients are pursuing the wrong outcome. At the Law Offices of Ronald M. Bookholder, we sit down with our clients to closely examine their individual situations and determine if a divorce is in their best interests before pursuing an end to their marriage. Other options, such as marital counseling, with a focus on reconciliation, could better suit your situation than a divorce.

    Experienced Oakland County Child Custody and Support Lawyers

    With more than 50 years of combined experience, we are ready to develop a divorce agreement focused on protecting your best interests during these challenging times. From our law office in Troy, Michigan, we offer consultations from 9 a.m. to 5 p.m. on the weekdays.

    Contact our law firm online or call 877-502-7892 to schedule a consultation with a highly skilled family law attorney. Credit cards are accepted as payment for our consultation and legal services. Attorneys Ronald Bookholder and Patricia Leary are committed to representing clients in Oakland County, Wayne County and Macomb County.

    Other kinds of law recommendations


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    Global Inspection and Engineering Services #hartford #steam #boiler #inspection #and #insurance


    Global Inspection and Engineering Services

    Hartford Steam Boiler offers a wide range of inspection services for boilers, pressure vessels, nuclear components, and process and power plants. Established in 1866, we provided engineering services to users of steam powered equipment. Today, Hartford Steam Boiler has grown to be a worldwide leader in the interpretation and application of boiler and pressure vessel codes, standards, directives and client specifications. With local representation and jurisdictional experience, we provide virtually every aspect of inspection and certification mandated by the ASME Codes and regulators globally.

    With more than 450 engineers, inspectors and auditors around the world with 150 years of engineering experience, Hartford Steam Boiler is highly qualified to help you meet local and international code requirements worldwide.

    Hartford Steam Boiler offers inspection and engineering services to business and industry. Hartford Steam Boiler provides ASME Code. Pressure Equipment Directive (PED). International Codes and Third Party Inspection and Engineering services to companies throughout the Americas, Europe, and Asia.

    Hartford Steam Boiler is the largest Authorized Inspection Agency (AIA) accredited by the American Society of Mechanical Engineers (ASME ).


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    How credit card transactions work #credit #card #processing, #interactive, #credit #card


    How credit card transactions work

    Interactive guide shows how merchants, banks process card purchases

    By Tyler Metzger | Published: January 14, 2009

    More than 23 billion credit cards transactions are processed annualy in the United States. But have you ever wondered what exactly happens after your card is swiped?

    Use this guide to to find out how your credit card transactions are processed.

    How a credit card is processed

    Step 1, Authorization

    1. The cardholder requests a purchase from the merchant.

    2. The merchant submits the request to the acquirer.

    3. The acquirer sends a request to the issuer to authorize the transaction.

    4. An authorization code is sent to the acquirer if there is valid credit available.

    5. The acquirer authorizes the transaction.

    6. The cardholder receives the product.

    1. The merchant stores all the day’s authorized sales in a batch.

    2. The merchant sends the batch to the acquirer at the end of the day to receive payment.

    1. The batch is sent through the card network to request payment from the issuer.

    2. The card network distributes each transaction to the appropriate issuer.

    3. The issuer subtracts its interchange fees, which are shared with the card network, and transfers the amount.

    4. The card network routes the amount to the acquirer.

    1. The acquirer subtracts its discount rate and pays the merchant the remainder.

    2. The cardholder is billed.

    Acquirer: A bank that processes and settles a merchant’s credit card transactions with the help of a card issuer.

    Authorization: The first step in processing a credit card. After a merchant swipes the card, the data is submitted to merchant’s bank, called an acquirer, to request authorization for the sale. The acquirer then routes the request to the card-issuing bank, where it is authorized or denied, and the merchant is allowed to process the sale.

    Batching: The second step in processing a credit card. At the end of a day, the merchant reviews all the day’s sales to ensure they were authorized and signed by the cardholder. It then transmits all the sales at once, called a batch, to the acquirer to receive payment.

    Cardholder: The owner of a card that is used to make credit card purchases.

    Card network: Visa, MasterCard or other networks that act as an intermediary between an acquirer and an issuer to authorize credit card transactions.

    Clearing: The third step in processing a credit card. After the acquirer receives the batch, it sends it through the card network, where each sale is routed to the appropriate issuing bank. The issuing bank then subtracts its interchange fees, which are shared with the card network, and transfers the remaining amount through the network back to the acquirer.

    Discount fee: A processing fee paid by merchants to acquirers to cover the cost of processing credit cards.

    Funding: The fourth and final step in processing a credit card. After receiving payment from the issuer, minus interchange fees, the acquirer subtracts its discount fee and sends the remainder to the merchant. The merchant is now paid for the transaction, and the cardholder is billed.

    Interchange Fee: A charge paid by merchants to a credit card issuer and a card network as a fee for accepting credit cards. They generally range from 1 to 3 percent.

    Issuer: An financial institution, bank, credit union or company that issues or helps issue cards to cardholders.

    Join the discussion

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    Three most recent Merchant accounts stories:

    • Yes, merchants can get new card info on recurring charges Updater services allow merchants to know when your credit card information changes, and to alter their records accordingly. If you don’t want to continue the subscription, you’ll need to cancel it directly.
    • EMV holdouts: Why merchants are slow to make chip-card switch With the EMV liability switch coming in October, many merchants are still in the dark on what is required of them.
    • Is it time to negotiate a new merchant account? Some business owners stick with a merchant services account they secured as a startup, but that now costs them more than they should be paying.

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    Zoho CRM and Email Marketing Thailand #zoho #crm, #email #marketing, #thailand,


    • Zoho Campaigns – Set up Education Company UK
    • Zoho Campaigns – Migration from MailChimp
    • Zoho Campaigns – Targeted Lists Using Zoho CRM Custom Views
    • Zoho CRM – Affordable Zoho CRM Implementation
    • Zoho CRM – to Zoho CRM Migration
    • Zoho CRM – Hosted Email with Zoho CRM Implementation
    • Zoho CRM – Zoho CRM Implementation UK
    • Zoho CRM – Joomla Website, Zoho CRM Integration
    • Zoho CRM – Contact Management
    • Zoho CRM – Online Business App
    • Zoho CRM – Website Integration
    • Zoho CRM – Rapid Zoho CRM Implementation
    • Zoho CRM – Community Website
    • Zoho CRM – Basic Website Design
    • Zoho CRM – Customisation Spain Skydiving School
    • Zoho CRM – Email Marketing Thailand
    • Zoho CRM – Car Club Membership
    • Zoho SItes – Website for Couple Selling Condo
    • Zoho Sites – Cloud Based
    • Zoho Training – Online Zoho Support for IT
    • Zoho Training – Software Distribution Company
    • Zoho Training – Coffee Machine Supplier In Australia
    • Zoho Training – Online Zoho CRM Training U.S.A
    • Zoho Integration – Get Accurate Online Sales Reports
    • Zoho Integration – Online Marketing Company Thailand Hong Kong
    • Zoho Integration – Integration of Zoho CRM
    • Zoho Integration – Online Marketing Company Hong Kong
    • Zoho Integration – Applications For Sydney

    Zoho CRM and Email Marketing Thailand – Training and Process Improvement

    t+b Solutions is a performance improvement company based in Bangkok who operate throughout SE Asia. They needed a way to centralise and categorise their growing client base as well as improve visibility into the sales pipeline and also reach the right people with the right information through effective CRM and email marketing.

    t + b Solutions required a CRM application in order to improve their sales and marketing and contact management. More specifically, they needed manage their sales pipeline and sales closure processes more effectively.

    The Zoho CRM Starter Package was also selected together with an email marketing package, which included

    • Implementation of Small Business CRM Start Package using Zoho CRM
    • Implementation of centralized calendaring and tasks management
    • Implementation of automated workflow and notification triggers
    • Specific emphasis on the use of segmentation in improve the effectiveness of their email marketing campaigns
    • Setup of email templates
    • Distribution of targeted email campaigns

    Key elements of the project were:

    Analysis and Planning

    • Business process analysis
    • Customizing the CRM to match business processes and resolve key contact management issues. This included emphasis on customization of leads, contacts and potential records.
    • Email campaigns stats reporting and recommendations
    • Creation of Sales dashboards
    • Creation of management dashboards and reports.
    • Collaborative calendaring and task management.
    • Set up of communication templates for every team.
    • Set up of web to lead functionality.
    • Set up of top level management reports.
    • Set up of team level sales and weekly work reports.
    • Set up of department and middle management reports.
    • Integration with Existing Systems
    • Integration with website
    • Creation of training materials as required.
    • Liaison between t+b Solutions and Zoho Support

    Following the introduction of Zoho CRM t + b Solutions sales and marketing staff were empowered to more quickly and easily segment their customers for email marketing campaigns and reporting and has enabled improvements in email communications, both in terms of quality and efficiency, between local staff and international clients.

    I needed a CRM package that would provide focus for my business in terms of finding, winning and keeping customers, and allow me to monitor this through user defined reporting. Zoho delivered all this and was easy to implement throughout the business. Without doubt a good investment.

    Peter Bull, Managing Director, t+b Solutions, Bangkok.


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    Ethanol: Pros ?>



    Positive Net Energy Balance – Corn-based ethanol has a positive net energy balance of 1.06btu per gallon for 1.00btu of energy used without ethanol by-product credits. With these credits, for things such as DDGS, corn-based ethanol has a positive net energy balance of 1.67btu per gallon for 1.00btu of energy used.

    Biodegradable – As ethanol is made with organic materials it is highly biodegradable making spills far less worrysome than petroleum spills. When spilled, 74% of ethanol is broken down within 5 days.

    Usable By-Products – The two chief by-products of corn-based ethanol are CO2 and DDGS, both of which are usable in other industries. The CO2 can be captured for use in the food and beverage industry. DDGS can be used for cattle feed or further crushed to extract corn oil, for food or biodiesel production uses.

    Most Infrastructure In-place – There are few changes that would need to be made to widely adopt ethanol. Most automobiles available in the U.S. are Flex Fuel capable and there are roughly 2,000 stations already serving E85. While most of these stations are lumped in the Midwest, they are increasing nationwide.


    Food vs. Fuel – 2.4 to 2.8 gallons of ethanol can be produced per bushel of corn. As a result, there has been massive media coverage over the use of food as fuel. While there are mountains of findings showing how the use of corn has increased food costs and equal amounts showing it does not, in the end food crops are being used as fuel, making corn-based ethanol inferior to cellulosic ethanol in this regard.

    Reduced MPG – Based on 2009 flex fuel vehicles, E85 miles per gallon is expected to be roughly 28.5% lower in the city and 26.5% lower on the highway. This means it takes 1.35 to 1.40 gallons of E85 to equal the mileage of 1.00 gallons of gasoline.

    Fuel Transportation – Ethanol absorbs water and is corrosive. which make it difficult to ship through existing pipelines from the Midwest of the U.S. where most production occurs. Remedies include shipping or building dedicated ethanol pipelines, however the most likely scenario seems to involve rail or road transport. The best scenario would be local ethanol plants, with the easiest way to accomplish this through continued development of cellulosic ethanol, where feedstocks are abundant everywhere as opposed to corn or sugar.

    Water Absorbtion – Ethanol absorbs water, which can contaminate it as a fuel and makes it more difficult to ship through pipelines. As a result, ethanol has a shorter shelf and tank life than gasoline.

    Fueling Locations – There are roughly 2,000 E85 fueling stations in the U.S. with the majority in Illinois, Indiana, Iowa, Minnesota and Wisconsin. A U.S. E85 fueling station map and locator can be found here.


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    VA Loan Documents: Checklist for VA Mortgage Loans #va #funding #fee,


    VA Mortgage Documents Checklist

    In addition to your DD214 or Statement of Service and your Certificate of Eligibility. your lender will require several personal documents in order to process and underwrite your VAMortgage. Typically these include the following personal documents for all borrowers:

    • W-2 Statements for the past two years from all employers
    • Most recent pay stubs or LES covering one full month
    • Most recent bank and asset statements covering two full months
    • Copy of your drivers license or military ID and social security card

    Other required items, if applicable to your personal situation, will include the following:

    • 1099 s for retirement income and a recent retirement statement
    • Social Security Awards Letter or current statement
    • Child support orders and/or divorce decree to document child support or alimony received
    • All schedules and discharge paperwork for any bankruptcies filed in the past 7 years

    Every Veteran borrower is unique and may require additional documentation specific to their situations. The best thing to do is to fill out the Pre-Qualification Form. and a VA Specialist will contact you to pre-qualify you. They will be able to provide you with a documents checklist specific to you and your individual profile.

    Get VA Loan Help

    Have a Specialist Contact You

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    Your personal information is encrypted and secure . is not a government agency website or affiliated with the Department of Veterans Affairs. has relationships with VA Loan Specialists who work for VA approved lenders. may share your information with these trusted affiliates in order to assist you.


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    Expository Counseling Training Center #expository, #counseling, #center, #nouthetic, #nanc, #certified, #houston,


    Expository Counseling Training Center

    Expository Counseling Training Center is the training portion of the Expository Counseling Center. ECTC (Expository Counseling Training Center) seeks to provide online and onsite based training for Biblical Counseling. ECTC provides 5 basic biblical counseling training courses that are developed by Dr. Nicolas Ellen. Each l evel of teaching is 14 weeks in length. There are also outside class readings, Scripture memorization, make-the-connection assignments, and case studies. Tuition is $350 per Level. The 5 basic biblical counseling training courses developed by Dr. Ellen have been recognized by the Association of Certified Biblical Counselors and are used by an ACBC Training center (The College of Biblical Studies in Houston, Texas) as part of their process to move individuals into ACBC certification.

    Since the Expository Counseling Center respects and appreciates The Association of Certified Biblical Counselors (also known as ACBC), the ECC provides a 6 week training to prepare individuals to take the ACBC exams (which must be passed in order for one to move into ACBC certification), and 12 hours of counseling observations for individuals pursuing ACBC certification (10 hours is required in order for one to move into ACBC certification). Since Dr. Nicolas Ellen is a Fellow with ACBC, The Expository Counseling Center offers counseling supervision via Dr. Ellen for those entering phase 3 of the ACBC certification process. Tuition for the ACBC Exam Prep is $150 and $500 for phase 3 ACBC supervision. (Go to to find out more about their process for biblical counseling certification).

    The Expository Counseling Center also respects and appreciates The International Association of Certified Biblical Counselors. So much so that the ECC is a certified training center with the International Association of Biblical Counselors (Go to to find out more about their process for biblical counseling certification). The Expository Counseling Center has been sanctioned by the IABC to lead individuals into complete biblical counseling certification with their organization via The Expository Counseling Training Center. The ECTC will provide the biblical counseling training via the 5 basic biblical counseling courses developed by Dr. Nicolas Ellen and provide the theology and counseling exams which are produced by the IABC. ECTC will also grade the exams, and provide the 50 hours of supervision via Dr. Nicolas Ellen, in order to certify individuals as IABC Biblical Counselors. Tuition for IABC Exam Prep is $150 and $350 for IABC counseling supervision.

    You will be able to purchase most of your course material through the ECC online bookstore.

    In this level, students will learn the connection between systematic theology and biblical counseling. Students will evaluate the doctrine of God, Christ, Holy Spirit, Man, Sin, Salvation, Sanctification, various others doctrines and learn how genuine biblical counseling comes out of these doctrines. Students will also learn the history of the biblical counseling movement in the United States.

    (14 Weeks) Tuition is $350

    In this level, students will learn the basic principles of Biblical Counseling and be able to distinguish it from secular counseling and counseling that integrates psychology and the Bible. Students will learn how the Bible has it s own framework by which we can address any and all non-organic problems from the Scriptures. This includes those issues that the world would describe as psychological or mental disorders. Students will learn how to analyze issues from a biblical framework, categorize issues through a biblical framework, and provide biblical solutions through a biblical framework.

    (14 Weeks) Tuition is $350

    In this level, students will explore issues such as the fear of man, idolatrous lust, depression, divorce, separation, abuse, remarriage, death, trials, suffering, psychotropic drugs, biblical view of self esteem, dealing with the past and many other issues and learn to deal with them from a biblical perspective.

    Level Four:Marriage and Family Basic Training Course

    (14 Weeks) Tuition is $350

    In this level, students will learn the foundations for marriage and family as God designed. Students will explore God’s design for marriage as well explore some basic parenting skills.

    Level Five: The Dynamics of Biblical Counseling

    (14 Weeks) Tuition is $350

    In this level, students will learn the mechanics of biblical counseling. Students will observe 12 hours of biblical counseling as well as do some case studies. Students also will learn concepts of biblical analysis, categories of biblical change, phases and stages of biblical change, and categories of homework for counselees. Moreover, students will learn policies and procedures for governing a counseling ministry, how to use a personal data inventory form, how to use a consent to counsel form, how to organize and structure a counseling session as well as how to fill out a case report form after a session.

    (6 Weeks) Tuition is $150

    Students will go through each question on the ACBC Exam and learn how to answer those questions. Students will learn which resources are available to answer each question. Students will learn how to cite their sources for the answers they find from those sources provided by the training.

    (6 Weeks) Tuition is $150

    Students will go through each question on the IABC Exam and learn how to answer those questions. Students will learn which resources are available to answer each question. Students will also learn how to cite their sources for the answers they find from those sources provided by the training.

    Students will spend 2-3 hours in class listening to a lecture and participating in small group interactions pertaining to the course. During this class time students will be able to ask questions and discuss matters pertaining to the course.

    Outside Class Reading

    The students will be required to read John, Hebrews, Romans, James, 1 John, 1 Peter, Ephesians, Proverbs, 2 Peter, and Galatians. Students will also be required to read The Heart of Man and The Mental Disorders. Deceptive Diagnosis. Understanding and Developing a Biblical View of Life. Instruments in the Redeemer’s Hand. So You Want to Get Married (for singles), Happy Even After (for married couples), Shepherding a Child’s Heart. With All Your Heart. Coming to Know and Walk with God. How People Change. Pursuing Godliness through the Disciplines of the Christian Faith. Every Christian a Counselor. Peacemaker. The Biblical Counseling Movement. Theology of Christian Counseling. Counseling by The Book (Revised and Expanded Edition). Why Christians Can’t Trust Psychology and A Theology of Biblical Counseling:The Doctrinal Foundations of Counseling Ministry (Heath Lambert).

    Students will memorize 16 Scripture verses to enhance their counseling.

    Make-the-Connections and Case Studies

    In order to teach students how to analyze problems through a biblical framework and to categorize problems through a biblical framework, students will be given 50 make-the-connection assignments over the course of study. These assignments will challenge the student’s skill in connecting various characteristics to a biblical framework. Students will be assigned 30 counseling cases over the entire training period to teach them how to analyze, categorize and solve problems from a biblical framework perspective.

    50 hours of counseling supervision via Dr. Nicolas Ellen, will be provided for IABC students and for students in Phase 3 of ACBC certification. This will entail filling out case report forms and counseling logs, tape recording five of one’s counseling sessions to be listened to by Dr. Ellen for evaluation of one’s skill, discussing the dynamics of various counseling cases, and developing in biblical counseling methods through the 50 hours of supervision.

    Attached below is a syllabus that lays out the details of each course.

    Most of the curriculum for each level can be purchased online through our bookstore. The syllabus for the course will let you know what books you need for each level and when you need them. (Review the syllabus for more details.)

    Special Offer To Churches

    For a limited time, we have a special offer to churches who are interested in this program. Please contact us for more information.


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    Expense Management for Billable Services Organizations Simplified by Software as a


    Expense Management

    Expense Management

    In a billable services organization, expense management is a critical part of the business. In order to maximize the accuracy and timeliness of expense reporting and overall expense management, this is also a process that should be made as easy and flexible as possible for users, and should be directly connected with project management and project accounting. With NetSuite OpenAir, you can automate and streamline the entire expense management cycle, including expense reporting, submission and approval processes, while integrating with project accounting and invoicing. By managing the entire lifecycle, it becomes easy and seamless to track and submit expenses for rapid reimbursement and client billing.

    Integrate Expense Management and Project Accounting

    Track each and every expense at the project level to directly tie expense management to project accounting, eliminating any questions about where the expenses should be allocated or billed to.

    Online, Offline, or Mobile Expense Management

    As the leading Cloud PSA solution, OpenAir provides users with the ability to track expenses and reimbursements online, anytime, anywhere, using a standard browser and an internet connection. With OpenAir Mobile, users can stay connected, even while on the road. Enter expenses on the go with applications for the iPhone or Android available on the App Store and Google Play.

    Case Studies


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    Fixed-Income Security #fixed #income #settlement #process


    Fixed-Income Security

    BREAKING DOWN ‘Fixed-Income Security’

    A fixed-income security, commonly referred to as a bond or money market security, is a loan made by an investor to a government or corporate borrower. The borrower, or issuer. promises to pay a set amount of interest, called the coupon, on a predetermined basis until a set date. The issuer returns the principal amount, also called the face or par value. to the investor on the maturity date .

    Examples of Fixed-Income Securities

    Treasury bills are sold by the U.S. government. Corporate bonds are issued by companies. Municipal bonds are issued by states, their agencies and subdivisions. A certificate of deposit (CD) is issued by a bank. Preferred stock pays a dividend in a set dollar amount or percentage of share value on a predetermined schedule. Take for example, a 5% fixed-rate government bond where a $1,000 investment results in an annual $50 payment until maturity when the investor receives the $1,000 back. Generally, these types of assets offer a lower return on investment because they guarantee income.

    Benefits of Fixed Income

    Fixed-income securities generate regular income, reduce overall risk and protect against volatility of a portfolio. The securities can appreciate in value and offer more stability of principal than other investments. Corporate bonds are more likely than other corporate investments to be repaid if a company declares bankruptcy .

    Risks of Fixed-Income Securities

    The generally low risk of investing in fixed-income securities results in typically low returns and slow capital appreciation. A principal balance may be tied up for a long time, resulting in lost income by not investing in other securities. Interest rate fluctuations cause bond prices to change, potentially resulting in lost income by having money locked into a lower-interest bond and not being able to invest in a higher-interest bond. Bonds issued by a high-risk company may not be repaid, resulting in loss of principal and interest. Investing in international bonds may result in losses due to exchange rate fluctuations. For example, if a U.S. investor owns bonds denominated in euros, and the euro decreases in value relative to the U.S. dollar, the investor’s returns are lowered.


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    Procure to Pay (P2P) Solution #purchase #to #pay #process, #p2p #procure


    Improve the Procure to Pay (P2P) Process Flow

    With Coupa’s Procure to Pay Solution

    For many companies, the procurement to pay process flow is stalled out because of legacy purchasing systems, multiple ERPs, and dispersed supplier information. Inefficient procurement to pay systems make compliance difficult and out of contract spend a high probability. But new cloud-based software technologies are enabling companies to connect these traditionally manual processes with a powerful, unified Procure to Pay (P2P) solution. Now, you can bring all of your P2P processes under a single, easy-to-use platform.

    Coupa’s cloud-based, unified suite gives you a Procure to Pay solution that connects your entire organization’s spend—from sourcing and requisitions to invoicing and payments. Coupa’s Procure to Pay process flow integrates with multiple ERPs, so you have a single Procure to Pay system across all your suppliers, for every employee, and for all your business needs. Coupa integrates easily into your daily workflows and routines, so your employees won’t need a lot of training to learn how to use it. They can get more done, and you can get more value out of their time. Your suppliers can get going fast too, and with no supplier fees they’ll love using Coupa’s Open Business Network. All they need is an email address. And better adoption means better spend management. With Coupa P2P, you have everything you need for better spend optimization, more savings, and a higher ROI.

    Paystream 2016 P2P Report

    In this report, Paystream evaluated Procure-to-Pay solutions from 15 software vendors across 12 categories. Coupa received the highest score for “proficiency” and the report noted Coupa “features include high user appeal due to easy PO creation and intuitive shopping interfaces, configurable approval workflows, and real-time visibility.”

    Coupa’s P2P solutions speeds up everyone’s work, saving you precious labor hours and helping you get more out of your employees

    Coupa P2P software is simple to use, so your suppliers and employees will get up to speed fast with minimal training. Because they’ve got better things to do.

    Connect sourcing to buying, and buying to paying, to ensure savings are realized across your organization at every step of your spend.

    Our Procure to Pay cloud-based software integrates quickly with your existing systems and ERPs, so you bring it all together in the cloud and start saving fast.

    Connect sourcing to buying, and buying to paying, to ensure savings are realized across your organization at every step of your spend.

    Procurement Product Tour


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    Billview Phone Bill Customer Service #payment #processing, #payment #processing #services, #payment


    Billview Phone Bill Customer Service

    Let Us Help You with Your Phone Bill

    Welcome to, your online resource to help you with your phone bill. BSG understands phone bills can be difficult to navigate, so let us help you identify items, charges and transaction types which are provided to you by your telephone company. BSG provides phone billing services enabling consumers to make purchases at authorized online stores, service providers and telecommunications companies, and pay later on their home phone bill.

    How To Research Purchases Made with Your Phone Bill

    When you make a purchase or sign up for services at authorized online stores, service providers and telecommunications companies, you will receive one of the following inserts (click to view): E NABILL. ESBI. HBS. OAN. USBI and ZPDI in your phone bill. The phone bill insert will have details on the purchase, the service provider where the purchase was made and charge information. Learn more about BSG s phone billing services and our program to protect consumers from unauthorized charges on home phone bills.

    Contact Our Customer Service Team Now

    Click on one of the phone billing service for details, and then contact us online or by calling for assistance. Our team is ready to help you research charges, provide contact information and details on the service provider where the purchase was made and help you resolve issues with your bill.

    BSG s customer service team is available 7a – 9p Central time, Monday – Friday. You can also fill out an online Customer Service Inquiry. We will respond to your request within 4 business days.

    Your Phone Bill Insert Page


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    Lead management software for sales people – You Don – t


    Most businesses do not need a tool to manage their customers,
    they need a tool to turn their prospects INTO customers!

    Why ?

    Standard CRM software slows down your sales by wasting time filling in ‘paperwork’, diverting you from your primary goal: acquiring new customers !

    You have to go through the process of creating a sales log including company name, contact details, and to do steps, and finally add your lead.

    Our solution

    It’s all about leads. Copy & paste information from a spreadsheet or upload a business card. That’s it! You have a lead, you can start working.

    You Don’t Need a CRM! keeps you in touch with your prospects at the key moments of the customer relation process. taking away the risk of missing an important opportunity!

    For Who?

    You Don’t Need a CRM is the perfect match for small businesses ranging from 1 to 200 employees that need a pro-active sales approach to turn leads into deals .

    SMBs enjoy our cloud solution. No need to install software on a computer, no maintenance, everything is accessed through the browser. It’s fast, easy and secure. It’s SaaS!

    Need to convince your boss to use You Don t Need a CRM.

    Print this PDF and go ahead to their office!

    Features to boost your sales skills

    Start from a Prospecting List

    Filling in forms can be tiring and painful. With our solution, you can easily import from any Excel/CSV File and start working on the contacts right away inside our prospecting list. Once a suspect turns out to be of interest, turn it into a Lead in one click. This is great when compiling a cold calling list or qualifying a marketing database. Never waste time with Spreadsheets again – turn your Leads into Deals!

    Or with a business card.

    You’re away from the office, networking, receiving business cards here and there. You just met a potential customer, take a picture of their card with our mobile application and it will be turned into a lead with all you need to know: company name, contact details. All you had to do was take a picture!

    Never lose a lead with automatic alerts

    Before the closing, leads have only two status options: either the ‘you have something to do’ ones or the ‘you WILL have something to do’ ones. It’s that simple! Each time you act on a lead, you log it and set your reminder for your next action. When that time comes, the lead shows up automatically at the top of your to-do list and in your synchronized calendar (Google Calendar, iCal, Outlook. )

    Customize your sales process

    With You Don’t Need a CRM! you define each step of your sales process or your sales funnel. new prospect, contacted, trial, negotiating, closing. You customize the steps according to your needs and you manage your pipeline in a clear and efficient way.

    Get leads from your website

    Connecting your website’s contact form to You Don’t Need a CRM! is as easy as sending an email. Whether it’s a request for information, a demo or a quote, you can turn it directly to a lead inside You Don’t Need a CRM. Once again, you never lose a lead!

    There is a life after “won”

    You’ve just won a lead. Congrats! But what are you going to do now? There is often a specific need for a follow up after a deal has been won.

    Create a Follow-up with specific tasks or use a predefined template with regular tasks and then assign it to anyone within your team. You can even set reminders for future tasks in order not to forget to get back to your clients at the right time. It’s Project Management made easy!

    Go mobile

    Whether you use Mac or Pc, iOS or Android, tablet or desktop, Surface or iPad You Don’t Need a CRM! will adapt to your screen and provide you the best experience with your terminal. With our mobile version you will be able to scan a business card on the way, call your prospects. log your activity or help your team.

    Google Apps for Work and third party apps

    Are you using Google Apps for your business? That’s great as You Don’t Need a CRM! is a SaaS software connected to Google Apps for Work. It gives you access to Single Sign On, instant Google Calendar synchronization and import of your contacts. But that’s not all, we’re also connected to hundreds of third party apps like FreshBooks, Mailchimp, QuickBooks, Slack, Wufoo through Zapier, our API or direct integration.

    Collaboration and team management

    You Don’t Need a CRM! is a great tool for one person, but it is even better for a team. Our features emphasize team-work, you can share contact lists, messages, comments. and get help with leads. With its state-of-the-art collaborative features, its daily summary and its statistics, You Don’t Need a CRM! facilitates team work and helps you become a better company.

    All I ve ever wanted was a program to track leads without all the over-complication of a full CRM. YDNACRM was the perfect solution. I finally found what I was looking for.

    Quentin McNabb Sales, Motion View Software

    Simple, powerful and effective.

    Helps you to manage your sales team without the endless fields to be fulfilled like in the others tools available in the market. Gives your team more free time to do what really matters: find new sales opportunities.

    Eduardo Biasi Sales Manager, Fly Link Telecom

    You Don t Need a CRM is a very simple yet effective tool. I was really impressed how the claim was taken into action. I can totally recommend it to all SMBs.

    Roman Walther Digital Marketing Advisor

    Great and affordable app

    I have a small retail business so I needed a system to manage my leads without running out on budget. Now I have more than 1 year using YDNCRM and I find it very helpful, plus the team provides ongoing support and training. I highly recommend this system if you have small to medium sales teams and don t want to spend weeks on the set up.

    Uzziel Sanchez Director, CWCuitlahuac

    We switched from a CRM/Project Management app to You Don t Need a CRM and we love it. The sales guy says almost everyday: I love YDNCRM . The interface is simple and sensible, so we were able to use it immediately with very little training.

    Lura Frazey Manager, Steve Locke Construction

    Great tool, simple and powerful

    It s so easy to use: no need to fill in any database. Just add your own email address in bcc so that you create a lead when you mail a contact, or even scan a card with the mobile app. Tasks reminders are fully integrated in Google Calendar so you can drive your prospection with the tool and track any contact. That s a tool I use and enjoy every day!

    Frédéric Le Compagnon Head of Agency, Opus MI


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    Project Management Consulting #manage #project, #project #consulting, #project #process, #project #work,


    This Month s Featured resources!

    Discover the best Portal for all Career up-skilling and Professional Certifications in India!

    Preparing for the PMP Certification exam? Visit the PM Exam Simulator to assist you! For $15 discount, use coupon codeJun17-PMP

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    Preparing for the Agile Certification exam? Visit The Agile PrepCast to assist you with your exam preparations! For $15 discount, use coupon codeJun17-ACP

    GreyCampus PMP online training

    Project Management Template Blog

    How to Create Project Management Methodology Pages Q: I have opened a project management methodology and I’d like to create a brand new page. How can I do this? A: Easy. There are several ways of creating new pages for …

    Basics of Procurement Procurement refers to obtaining goods and services from outside companies. This specifically refers to vendors and suppliers. It does not refer to other internal organizations within your own company. (For the purposes of this discussion, “purchasing” and …

    Know the Five Steps in a Document Life Cycle Document management is a part of communication management. It is important for the project manager to recognize the stages that a document must go through from creation to completion. This knowledge …

    Project Management best practices


    • Continuous Learning Improving Your Organization Through Continuous Learning ESI International helps people around the world improve the way they manage their projects, contracts, requirements and vendors.
    • Project Management Methodology What is MPMM? MPMM is a Project Management Methodology containing tasks, charts, tables and examples to help guide your projects towards success. It also contains all of the project management templates, forms and checklists needed.
    • RationalPlan Project Management Blog Project management software and articles.
    • Skillsoft For your e-learning and leadership development needs.
    • Strong Foundation A leader in the field of Executive, Leadership and Team Coaching, Leadership Development, Change Management interventions, with our Strong Foundation Academy that offers Servant Leadership development, Emotional Intelligence and in-house Coach Training fo


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    EDiscovery in SharePoint 2013 – Part 1: An Introduction #ediscovery #process


    eDiscovery in SharePoint 2013 – Part 1: An Introduction

    More and more organizations face more and more litigations. Whether they are shareholder lawsuits, fraud cases, or competitive investigations, litigation cases have proven to be costly, time consuming, and business disruptive. The new eDiscovery solution of SharePoint 2013 could really help organizations to lower eDiscovery costs, mitigate risks of data tempering or accidental deletion, and minimize business interruption.

    In a series of blog articles I ll show you the benefits of eDiscovery in SharePoint 2013, the architectural concept of the solution, some important implementation considerations, how to get eDiscovery to work technically in both an on-premises situation and in Office 365, and I ll walk you through an eDiscovery case lifecycle.

    But let s start at the beginning:

    What is eDiscovery?

    Electronic discovery is the process to identify, preserve, search, process, and produce electronic content or electronically stored information (ESI) for a legal request or investigation.

    Basically when we start a new eDiscovery case, we first want to look for possible relevant data, and make sure this data is not tampered with from that moment on (put it on hold). Next we would want to further refine the data set, do a legal review of this information, and then produce it for use in any legal investigation, compliance audit or policy enforcement in the organisation. Finally, when we are ready with the case, we wouldn t want to forget to release the hold and formally close the case. In a diagram, this whole process would look as follows:

    In SharePoint 2013 (and Exchange 2013), Microsoft did a major overhaul of their eDiscovery solution, resulting in a great tool to support this whole eDiscovery process, without disrupting regular business.

    Benefits of using SharePoint 2013 for eDiscovery

    With SharePoint 2013 it is possible to run an eDiscovery case on SharePoint, Exchange, Lync, and File Shares (on premises only) at the same time, from one unified central management console. That means it is possible to search, preserve (not for File Shares, we ll get to that), and export all relevant content of all these repositories from one place.

    In SharePoint 2010 it was already possible to perform an eDiscovery process, but this was only SharePoint content related. Exchange 2010 had its own eDiscovery tools. Also, when we would put a site on hold in SharePoint 2010, users would no longer be able to work on the contents of this site. So this was considered a rather business disruptive method.

    In SharePoint 2013 these limitations are no longer there. Here s an overview of what SharePoint 2013, together with Exchange 2013 and Lync 2013, can do for you when it comes to eDiscovery:

    SharePoint 2013 has new site templates for both an overall eDiscovery Center, and individual eDiscovery Cases. For every discovery case, you would create a new case site where it is possible to conduct searches, place content on hold, and export content. In addition, you can associate the following things with each case:

    1. Sources. Exchange mailboxes, SharePoint sites, or file shares from which content can be discovered.
    2. eDiscovery Sets. Combinations of sources, filters, and whether to preserve content. eDiscovery Sets are used to identify and preserve content.
    3. Queries. The search criteria, such as author, date range, and free-text terms, and the scope of the search. Queries are used to identify content to export.
    4. Exports. A list of all of the exports that were produced that relate to the case.

    With SharePoint 2013 it is possible to centralize eDiscovery management for multiple SharePoint farms, Exchange servers, and File shares. There are a few caveats here, which we will discuss in Part 2 of this blog series when we talk about architectural concepts and considerations (for example, it is not possible to centralize management for a hybrid environment with SharePoint on-premises and SharePoint Online), but as long as you can add a content source or result source to SharePoint Search, you can discover the content from one console.

    When you ve created your eDiscovery Set and did a first general search for all possible relevant content, you probably want to put that content on hold before you start refining your searches and exporting the final content. You want to make sure that whatever happens with the content from that moment on, the original content stays available for your legal case. From the eDiscovery Center it is possible to put SharePoint 2013 sites and/or Exchange 2013 mailboxes on hold, without disrupting the business. End users shouldn t be affected when content is put on hold and with SharePoint 2013, they re not. As soon as a SharePoint 2013 site is put on hold, a hidden Document Library is created. Next, when a user modifies or deletes a content item subject to the legal hold, this is still possible for the user, but the original copy of the content item is copied to that hidden Hold Library. In Exchange 2013 mailboxes the same principle is applied by creating a hidden folder where items are actually moved to when a user deletes an item.

    From the SharePoint 2013 eDiscovery Center it is possible to export the results of a search for later import in another review tool. Together will all the exported content, an XML file is created which complies with the Electronic Discovery Reference Model (EDRM) specification. So when external (legal) teams use other tools that also comply with this standard, they can easily import the content and use their own tool for further review and analysis. The following content is included in an export:

    1. Documents. Documents are exported from file shares. Documents and their versions (optional) are exported from SharePoint.
    2. Lists. If a list item was included in the eDiscovery query results, the complete list is exported as a comma-separated values (.csv) file.
    3. Pages. SharePoint pages, such as wiki pages or blogs, are exported as MIME HTML (.mht) files, including styling and mark-up.
    4. Exchange objects. Items in an Exchange Server 2013 mailbox, such as tasks, calendar entries, contacts, email messages, and attachments, are exported as a .pst file.
  • eDiscovery in SharePoint 2013 is rather quick to set up, and easy to use. Of course you need to do some configuration to get SharePoint and Exchange to work together, but this is fairly easy (as you ll see in one of the next posts in this series). Also, because using the eDiscovery Center is very straightforward, there is no longer the need to burden the IT department with collecting all relevant content in the organization during an eDiscovery process. Legal teams can now be empowered to perform searches and exports themselves. They are able to respond quickly and in full fidelity with real-time data access. Of course there is the matter of governance here, how to handle the required permissions to be able to discover all relevant content, but that s the case for IT people as well.
  • Summary

    In this post I ve tried to briefly explain the concept of eDiscovery and what a typical eDiscovery process would look like. Also, I ve pointed out what s new in SharePoint 2013 (and Exchange 2013) regarding eDiscovery and how the new eDiscovery Center could really help organizations to quickly respond to cases without disrupting business as usual.

    In the next few blog posts I ll dive more into the architectural concepts of Microsoft s eDiscovery solution, I ll talk about some important implementation considerations, how to get eDiscovery to work technically in both an on-premises situation and in Office 365, and I ll walk you through an eDiscovery case lifecycle.

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