National Funding Reviews – Pricing #small #buisness #funding


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National Funding Reviews Pricing

Average Rating 2 from 19 ratings

National Funding helps small businesses by offering short-term loans, cash advances, and equipment leasing programs. We compiled National Funding reviews from our own website plus user reviews from around the web to determine what National Funding customers think about the company. We also covered the fees associated with taking out a loan.

National Funding Customer Reviews

Summary of User Reviews

We scoured hundreds of reviews and found that National Funding has a mixture of positive and negative ratings. Here’s what we found:

What National Funding does well:

Positive reviewers who applied for a loan found that National Funding’s process is quick and easy most users said they received their money fast, which was helpful for their business.

What National Funding does not do well:

Most complaints came from people who were annoyed with National Funding’s marketing tactics. This consisted of sending unsolicited loan offers complete with filled out application forms with all their business information. This came across as unethical and scary for a lot of people.

Most Helpful Positive User Review

“I needed a loan for business expenses and debt consolidation, so I contacted National Funding. The service provided by National Funding exceeded my expectations; my loan was funded in record time and with no problems or complications. The business financing consultant, who I worked with, Fernando, was very professional, helpful, understanding, and always willing to answer any of my questions. I felt very comfortable with the entire process. I would definitely use National Funding again and I will certainly recommend them to anyone in need of business financing. It was one of the most pleasant and timely financial transactions I’ve ever experienced. In my opinion all was perfect, from the first call to receiving my loan and everything thereafter and in between.”

— Dr. Raluca Sandler, DDS

Most Helpful Negative User Review

“I received an unsolicited credit card in the mail with my business name on it and all the information to call in and activate. Of course there are a slew of disclaimers in the small print, but I can’t help but wonder that just maybe an adept thief could benefit from acquisition of this card. I am also concerned that others may have gotten a card similar to mine. Where is my protection? There is something definitely wrong with this and why hasn’t this site been more honest about this threat?”

— Beyond Renovation LLC

Other National Funding User Reviews From Around the Web

Here are a few other resources for finding helpful National Funding customer reviews. We rated the review sites on a scale from poor to excellent based on how trustworthy and useful the reviews seemed.

User Review Website

National Funding allows small businesses to borrow anywhere from $5,000- $500,000, as long as they meet their requirements. Businesses have to be at least a year old, with annual gross sales of at least $100,000.

Since most of National Funding’s transactions are customized specifically for each user, details like repayment periods and additional fees are difficult to come by. For a customized quote, you will need to contact National Funding directly .

Aside from National Funding’s loan offers, they also provide cash advances and equipment leasing. Users can get an equipment lease as long as they have a FICO score of 620 and above, and have been in business for over 6 months. The business then sends National Funding a quote from the vendor to get the process started.

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Comments (24) Post Your Comment

Please leave a review of your experience

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Overall Experience 1

Customer Service 0

Our business was in worse trouble after National Funding helped. The interest charged and daily withdrawals from our bank account did more damage than anything else. If you are in need of financial assistance be smart and get a SBA loan it saved our business and allowed us to pay off National Funding. Don t fall into this trap ..your hole will just get deeper. All the initial perks sound so great, you will quickly learn the truth!

Overall Experience 1

Customer Service 1

Worked with an associate name Jordan Bar-Adon, nothing but a snake oil salesman. The first warning sign should have been they call from masked numbers geo located to your phone to give the appearance they are local. Bottom line is the company and their employees are unprofessional, their product is meant to hamstring people not benefit. My next stop will be complaints with the BBB.

We are very sorry for the experience you referenced in your review. We have looked into the issue and respect why you are upset. It is important to us that our small business owners have a positive experience when working with National Funding. Therefore, we have taken appropriate disciplinary action with the Loan Specialist. Moreover, a manager will be reaching out to you to formally apologize. Thank you for bringing this to our attention.

Overall Experience 1


03/11/2017

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


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Government Small Business Loans

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

Why Government Loans?

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

More about Government Small Business Loans

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

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

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

Different SBA Government Loans

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

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

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

You just learned about: Government Small Business Loans Programs

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


14/10/2017

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Official Photos and Info: Lexus UX Concept – News – Car


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Lexus UX Concept: Preview to the Smallest Lexus SUV

With countless software companies proclaiming they know how to build better cars, we were relieved to find Lexus has built an actual car rather than a user experience, which is what UX stands for in the tech community. Instead, the Lexus UX concept is our first good look at the luxury brand s subcompact crossover that will join the growing fray of shrunken, premium SUVs that includes the BMW X1, Audi Q3, Mercedes-Benz GLA, and Infiniti QX30.

Compared with the smallest Lexus crossover today, the NX. the UX is 9.1 inches stubbier, 5.0 inches lower, 1.2 inches wider, and sports a 0.8 inch tighter wheelbase. Crafted by the company s French design center, the exterior appears conventional only because Lexus has pre-conditioned us with ever-crazier slits, zigzags, spindles, and other exaggerated surface textures across its entire lineup. Just as how the Oxford English Dictionary adds trendy words each year, the UX applies subtle changes to the L-finesse design language that are as much YOLO as they are practical.

The twisted grille is toothier and more three-dimensional, with the L badge serving as a kind of magnet for dozens of skewed V-marks converging toward it. The L-shaped daytime running lamps seamlessly connect to thin headlights, while vertical air vents glow imposingly beneath. Intricate, sprocket-like 21-inch wheels poke from oversize U-shaped fender extensions that break up the otherwise tall body; each of the wheels 18 spokes appears to fade into the tire sidewalls, a clever visual trick that recalls airless tires. Arching fenders rise far above the creased hood and direct the eye toward the slim tail, where jagged LED taillamps poke out almost past the bumper. Lexus notes that the roof rails, A-pillars, and side-view camera housings form one continuous line, although we re more impressed with the A-pillar transparency and their unequal-length fins that trace up to the roof like mini staircases. (For the record, Volvo introduced transparent A-pillars on the SCC concept in 2001, and the idea has since gone nowhere.)

Yet with all this fanfare, the UX is proportioned more like a modern Isuzu VehiCROSS than the silly, space-inefficient four-door coupe look affixed to every German designer s desk. From the side, there s some hint of the Range Rover Evoque with its minimized greenhouse, and what glass peeks through the purple body is electrochromic, an expensive (and Magic, in Mercedes nomenclature) method of tinting windows. The impossibly small rear doors also suggest Lexus could be whipping up both two- and four-door versions of the UX, perhaps to battle similar Evoque models. Another two-door, especially one that affords some rear headroom, would be welcome in this segment.

Inside, the UX introduces a new kind of user experience. While it wouldn t seem comfortable to sit on stretched rubber bands, Lexus claims this flexible, open arrangement (called the Kinetic Seat ) better contours to the pelvis and torso and helps reduce head motions while driving. For what it s worth, the rear seat in a light cream color to offset the dark violet seats up front is a conventional bench.

Aside from the see-through A-pillars and side-view camera displays sitting flush with the door panels, the real excitement comes from holograms, or at least displays designed to resemble holograms. The instrument panel is made to look deeper and farther away than it really is. The same effect applies to the central infotainment display, which has been reconfigured using carousel-style menus. More screens sit under a covered center console with touch-capacitive buttons, along with what we can only hope is a more intuitive touchpad than Lexus uses today to operate the main screen functions. A second touchpad sits on the front passenger s door armrest. And if the UX interior s bisecting lines and holograms become too overwhelming, the passenger can detach a wireless speaker from the dash and run off into the real world for a break from it all.

As for what motivates the UX, Lexus offers no clues. Earlier this year, the company trademarked several alphanumeric model designations UX200, UX250, and UX250h so we can only assume the production car will carry over the NX s 2.0-liter four-cylinder and hybrid-electric powertrains. If you re imagining a chopped-down NX without this concept s excessive fripperies, you re probably not far off. And neither is Lexus, which would like to dominate the sales charts in yet another luxury-SUV segment as soon as possible.


12/10/2017

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


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Cloud Computing for Small Business

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

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

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

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

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

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

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

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

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

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

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

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

Is cloud computing secure?

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

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


11/10/2017

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Network monitoring tools #small #network #monitoring #software


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Network monitoring tools

Easy answer, Solar Winds! If you are looking for a free product, then you could use MRTG, or NMIS. But, if you are serious about monitoring your network, Solar Winds is the way to go, you can monitor servers, VM’s Switches Routers etc. If it has an IP address, you can monitor it with Solar Winds.I have used their products a number of times in the past. They have great support. I use their free tools as well.

Message was edited by: William Ramos

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I’ve read the post and I was wondering if someone have heard about Pandora FMS? I want to monitor several devices (including Cisco routers) and wanted some impresions about this tool. Do you know something about it?

Thanks for the feedback!

Overall Rating: 5 (1 ratings)

Hey Aleister, I came across with this thread. I have a deep understanding of Pandora FMS. I don’t know if you are still checking it out. We have our cisco infraestrcuture fully monitored with Pandora FMS. I strongly recommend you to check it out in case you need network monitoring aid.


11/10/2017

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


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Big savings in a small package at Discount Duluth

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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


09/10/2017

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


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Microsoft Dynamics 365 for
Finance and Operations, Business edition

Purchasing

Automate and secure your purchasing process

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

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

Reporting and analytics

Get a complete picture of your business

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

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

Project management

Keep projects on time and under budget

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

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

Operations—coming soon

Manage and optimize your supply chain

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

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

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

Grow your accounting practice

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

Tailor and extend Dynamics 365 across your business


07/10/2017

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Business Voip Providers List – best Voip solutions for small business


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Top 5 Business VoIP Providers

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

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

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

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

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

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

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

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

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

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

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


02/10/2017

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


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

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

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

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

Easily track Contacts, Sales, Projects and more.


02/10/2017

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


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

Enterprise-grade Unified Communications

  • Nexmo The Vonage API Platform

    Innovative, Cloud-based Building Blocks

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

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

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

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

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

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

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

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

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

  • Referral Partner Program

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

  • Already a Vonage Partner?

    Small Business Phone Systems

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

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

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

    Big small business solutions value starts with 50%* savings

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

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

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

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


    02/10/2017

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


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    Get a Personal Loan for Your Small Business

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

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

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

    Get Personal Loans for your New Business

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

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

    Need a Personal Loan for your Small Business?

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

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

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

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

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

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

    Can I obtain a loan with bad credit?

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

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

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

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

    Does my credit score affect my loan?

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

    Choose the right fit for your business

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

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

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

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

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

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

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

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

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

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

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


    01/10/2017

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


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    Native tape support

    Watch demo: Native tape support

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

    No feature limitations for 30 days

    Flexible long-term retention ENHANCED

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

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

    Direct restore from tape NEW

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

    Parallel processing

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

    Global Media Pool

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

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

    Native GFS retention Tape management made easy!

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

    Veeam Availability Suite 9.5

    Media vaults

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

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

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

    Patrice Singy
    System Engineer
    Nexpert AG

    Virtual full backup tape out

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

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    Veeam – the industry’s most trusted Availability provider

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

    Get your new ransomware preparedness and recovery bundle!

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

    Copying backups to tape

    Efficient and effective archiving

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

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

    René Rasmussen
    IT Specialist with
    Møbeltransport Danmark

    Other product features:

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


    01/10/2017

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


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    Protect Your Business Property With Commercial Property Insurance

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

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

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

    What business property insurance covers

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

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

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

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

    Customizing Your Protection

    Review the extra coverage options available.

    Affordable Options for Your Business Property Insurance

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

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

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

    How commercial property coverage works

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

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

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

    Taking inventory

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

    The property you might insure could include:

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

    How do you want things covered?

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

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

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

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

    Cover Your Assets


    30/09/2017

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


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    What is Voice over IP? The Basics

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

    What is Voice over IP?

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

    What is Voice over IP. The Range of Services

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

    What is Voice over IP. Equipment

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

    What is Voice over IP. Security and Service Quality

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

    What is Voice over IP. Versus Unified Communications

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

    What is Voice over IP. The Benefits

    VoIP and unified communications enable you to:

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

    Learn how Cisco Unified Communications can help your small business.

    Other articles you may be interested in:


    30/09/2017

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    ERPGOV Cloud – DCAA Compliant Accounting Software for Government Contractors #dcaa


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    ERP GOV CLOUD

    Simplicity, Power,
    Visibility

    ERP GOV CLOUD can help with your contract management

    why ERPGOv cloud?

    ERPGov Cloud delivers the optimum combination of simplicity, power, visibility and DCAA compliance. The software is easier to implement than Deltek Costpoint, has more modern capabilities than Deltek GCS, and is more functionally integrated than QuickBooks or similar government contract accounting systems. ERPGov Cloud efficiently fulfills Management’s information needs while guiding the organization into full DCAA and FAR compliance.
    Click here to learn more or Contact Us

    Contract Management

    ERPGov Cloud software manages both commercial and government contracts, including the various forms of Cost Plus (CPFF), Time & Material (T ?>

    26/09/2017

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    Efficiency, safety, compliance and security #telephone #systems #for #small #businesses #in


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    Efficiency

    When fleet operators are suitably equipped, the result is a guaranteed increase in profitability.

    Our fleet customers rely heavily on our fleet management solutions to be as efficient as possible. Especially in competitive markets where even the smallest amounts of time and money become critical issues in determining success.

    A properly implemented MiX Telematics solution is proven to boost efficiency by improving fuel consumption, driver behavior, utilization and more.

    Safety

    Identifying and correcting bad driver behaviour is the first step to reducing risk and increasing safety levels.

    Research indicates that human error is to blame for around 80% of motor collisions. As a result, fleet owners are under mounting pressure to not only identify risky behavior, but to take corrective action and improve safety levels.

    Our end-to-end safety solutions, together with additional devices like the MiX Rovi or RIBAS Display, have become well-known as powerful risk reduction tools.

    Compliance

    The right tools can make light work for our customers who need to comply with stringent HSE regulations.

    Health, Safety and Environmental (HSE) regulations differ from country to country, and are further determined by industry. While this can’t be changed, we can help to manage the related challenges.

    MiX Telematics offers a range of customizable tools to help customers maintain the highest possible levels of safety and compliance. This includes a solution to manage Hours of Service (HOS) and IFTA regulations in the US, DTCO downloads in Europe, and electronic work dairies in Australia.

    Security

    MiX Telematics partners with customers from various regions and industries to protect their drivers and assets.

    Real-time and historical tracking, stolen vehicle recovery and trailer tracking are our key security offerings, designed to enhance personal safety and security, as well as security for commercial fleets.

    In South Africa, MiX Telematics provides consumers with peace of mind about their personal safety and vehicle security through Beame and Matrix, two leading tracking and recovery brands.

    Subscribe to our newsletter


    26/09/2017

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    CRM On Demand, Web Based CRM, Hosted CRM, Small Business CRM


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    So Easy You’ll Actually Use It

    Try Us for a Free Test Drive

    Learn to be More Lazy with Our Podcast

    Sales Force Automation Enjoy hassle-free automation of account management, event scheduling, sales forecasting and more.

    For Superior Automation and Quality Customer Relationships

    eSalesTrack Sales Force Automation (SFA) software from Soleran is an intelligent way to automate your sales pipelines and develop long-lasting, lucrative relationships. SFA is the fundamental requirement for any CRM (Customer Relationship Management) policy. eSalesTrack, a Soleran product, has both a user-friendly platform and international access. US-based Soleran is a company that is committed to helping SMBs improve their efficiency with on-demand, custom CRM solutions.

    The web-based eSalesTrack Sales Force Automation enables hassle-free automation of these and other tasks — account management, opportunity management, event calendaring, territory management, sales forecasting, customization analytics, building of customizable dashboards, and customization analytics. Our SFA solutions can give you amazing visibility into different facets of customer relationship. So sales representatives can sell, upsell, correctly frame customer expectations, and engender renewals.

    Real-time Data Access and a Great Deal More

    The following are additional aspects of the eSalesTrack advantage for Sales Force Automation:

    • Analytics and real-time reports can be created. You can find out the current status of a campaign, sales quota, and conversion rates.
    • Updated, real time information about customers, leads and contacts would always be available and can be instantly accessed.
    • You can always be connected to your sales team even though they may be quite far from where you are. Even events and meetings can be arranged from anywhere and at any hour of the day.
    • You can make maximum use of all sales prospects and maximize ROI.
    • Helps to overcome dynamic challenges which could overcast sales forecasting.
    • Ensure a Positive Business Turnaround with Sales Force Automation

    CRM Solutions Stay mobile and ahead of your competitors – let your CRM automate a wide range of business processes in real-time.

    Take your small business to the next level with eSalesTrack web based CRM. A powerful tool from Soleran, eSalesTrack On Demand CRM makes your job easier by automating many day-to-day business tasks.

    Web CRM — An Ideal Solution for Your Business

    eSalesTrack web CRM system is packed with advanced features and tools to offer a complete solution for your business. Whether to automate and simplify your daily sales-related tasks, manage marketing initiatives, schedule meetings and contacts, customer follow-up, generating sales reports, eSalesTrack CRM does it all.

    Our CRM solutions are effective in managing and automating many business processes including:

    • Sales Force Automation
    • Marketing Automation
    • Campaign Management
    • Customer Service Management
    • Enterprise Document Management
    • Sales/Marketing Analytics

    eSalesTrack’s on-demand CRM lets you work from anywhere you want and allows you to access all your information anytime, anywhere — all using just a web browser. Best of all, it is entirely customizable to suit custom business needs.

    Advantages of Web CRM

    • Most advanced CRM tools updated regularly for free
    • Centralized remote enterprise database accessible online
    • Mobile, wireless and offline editions, add-ons and syncs
    • Open-source web based CRM software with custom modules
    • Integration with office software applications
    • Real-time reports and analysis with custom filters
    • Better employee and customer contact management
    • 360 degree view of customers
    • Enterprise data security and backup

    eSalesTrack CRM is scalable, flexible and affordable. You no longer need to undergo the hassle of purchasing or maintaining dedicated hardware nor make any costly investments for CRM software upgrades – we do it all for you automatically. No multi-tiered pricing plans or packages, just one low price packed full of features.

    CRM Cloud Work from anywhere, anytime with access to all of your information – all using just a web browser.

    eSalesTrack’s CRM cloud computing platform simplifies all your business activities and helps you build better prospects for your business. We provide a convenient and flexible web based solution for your company. Our CRM application is easy to access and configure from virtually anywhere.

    Manage Multiple Business Processes under a Single Roof

    We understand the importance of being competitive in the business field. With our cloud CRM model, we can provide you highly interactive features which keep you fully engaged in your business activities. eSalesTrack CRM cloud computing comes with rich functionalities and integrates many different business activities under a single roof.

    In the course of your business management activities, you would have to work with an extensive range of office software applications, CRM, accounting software, e-commerce and other related business management software tools. Our prime function is to group all these systems in a centralized database and make it available to our customers through their web-enabled mobile devices and computers. With this user-friendly feature, our customers can easily navigate the system features for online accounting, forecasting, payroll services, analytics, marketing, sales and other business processes.

    Advantageous Features of eSalesTrack CRM Cloud Solutions

    Apart from its rich functionalities, by deploying eSalesTrack CRM cloud solutions you can:

    • Gain complete control over task management
    • Prioritize your business requirements
    • Coordinate individual and group tasks
    • Obtain greater ROI

    No upfront investments are required to implement eSalesTrack CRM cloud computing software in your settings. Get immediate quotes for CRM cloud at eSales Track; reach us at 1-866-765-4CRM, for further information.

    Web Based CRM Automate and simplify your daily sales-related tasks including scheduling meetings, following up with customers and generating sales reports.

    eSalesTrack CRM solutions are a trusted on-demand service which provides companies with a versatile range of online options to manage their business in an informed and calculated manner. Developed by Soleran, the service comes with power-packed features and tools which would help a company stay ahead of its competitors and attain the desired scalability.

    Stay Mobile and Automate Tasks

    The web based CRM service offered by eSalesTrack lets the user stay mobile and automates a whole range of business processes in real-time. These include sales force automation, marketing automation, campaign management, customer service management, enterprise document management and sales/marketing analytics.

    Today, eSalesTrack is integrated in some of the most popular and leading firms in the US. The following features are among the many reasons why small and medium enterprises choose our platform:

    • 360 degree view of customers
    • Centralized remote enterprise database accessible online
    • Mobile, wireless and offline editions, add-ons and syncs
    • Open-source web based CRM software with custom modules
    • Most advanced CRM tools updated regularly for free
    • Integration with office software applications
    • Accessibility from anywhere at any time
    • No installation or maintenance costs
    • Better employee and customer contact management

    eSalesTrack’s an All-in-one CRM

    If it’s a user-friendly, customizable, stable and secure service which is required, then eSalesTrack CRM solutions more than qualifies to meet your business challenges and offers invaluable insight into your company’s current and future prospects. The SaaS (software-as-a-service) has an excellent track record of letting a business overcome its limitations and attain targeted profit and growth.


    24/09/2017

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


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    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.


    23/09/2017

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


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    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
    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:

    Overdraft
    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.

    Factoring
    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

    21/09/2017

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    Seltzer Law Firm Employment lawyer Washington DC Maryland Northern Virginia attorney


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    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


    21/09/2017

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


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    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.

    Customers
    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
    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.

    Credibility
    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.

    Capital
    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 .)

    Conclusion
    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.


    21/09/2017

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


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    OnContact CRM

    Description

    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.


    20/09/2017

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


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    Minority | Ohio Minority Business Direct Loan Program

    Contact Us

    Allen McConnell
    Manager
    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.

    20/09/2017

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    Microloans: Small Loans for Small Businesses – The Simple Dollar #loans


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    Microloans: Small Loans for Small Businesses

    Microloans and microcredit are a form of business funding that many people often associate with developing countries and particularly impoverished and disenfranchised populations.

    That may be due to the fact that microlending is generally considered to have originated in Bangladesh, where Grameen Bank founder Muhammed Yunnus began giving small loans to the rural poor decades ago.

    Such microloans, as Yunnus envisioned them, have many noble goals, including providing an alternative to loan sharks, supporting entrepreneurship, alleviating poverty, empowering women, and by extension, uplifting entire communities. All of which led to Yunnus winning the Nobel Prize in 2006 and the concept as a whole spreading around the world.

    The moral of the story is that these types of loans are also available in the United States, for small businesses that may not have a substantial credit history or that are perhaps owned by women or minorities populations that typically do not have as much access to financing.

    In fiscal year 2016, for instance, the U.S. Small Business Administration’s Microloan Program provided 4,472 microloans totaling more than $60 million, and about 40% of the loans went to minority-owned small businesses and nearly 40% went to women-owned businesses.

    In addition, more than 40% of all of the microloans closed under the SBA program during 2016 went to small businesses that were just two years old or younger.

    “Microloans are more targeted to people who have trouble accessing traditional credit,” explains Joyce A. Klein, director of the Aspen Institute’s Microenterprise Fund for Innovation, Effectiveness, Learning and Dissemination (FIELD). “Microlenders tend to be more flexible then banks are. If someone doesn’t have great credit, if they have thin credit, not that they haven’t performed well, but rather don’t have an extensive credit history, then microlenders are more willing to look at other factors, such as the cash flow of the business.”

    If your business fits this description, or if all you’re seeking is a small infusion of cash to carry your business forward, then read on for some of the key details about microloans.

    How much money can you borrow using a microloan? The microloan borrowing limit is $50,000, but the average loan size is around $13,000, according to SBA.

    What can the money be used for? Businesses may use the funds as working capital or to buy needed inventory, supplies, furniture, fixtures, machinery, or equipment.

    Typical repayment terms. Loans closed under the SBA Microloan Program cannot exceed six years, and generally carry interest rates below 10%, according to Jamie Davenport, the SBA’s acting director of the Office of Economic Opportunity/Capital Access.

    The nationwide network of SBA program lenders however, are just one example there are many other nonprofit microloan lenders out there. “Most have traditional loan terms,” says Klein. “But if you were comparing microloans to larger, long-term business loans, the (microloan) rates may seem expensive.”

    That’s because, according to Klein, the business borrowing the money may be relatively young, or possesses weaker credit or weaker collateral, which makes the loan riskier in some ways.

    Documentation Required to Obtain a Microloan

    The SBA suggests having a business plan prepared. If that sounds intimidating, the good news is that the SBA provides resources such as Small Business Development Centers and Women’s Business Centers that can help with writing a business plan, says Davenport.

    In addition, microlenders will typically want to look at some financial information from the business, says Klein, of the Aspen Institute. This may be in the form of a businesses’ tax returns, or the businesses’ bank statements.

    And depending on the lender, still more financial information may be requested.

    “Different microlenders use different criteria,” Klein explains. “They typically look at someone’s personal credit report. But one of the features of microlenders is that they are more flexible in terms of how they look at someone’s credit then a traditional lender, but they still look at personal credit.”

    “Like many traditional lenders, they’re trying to get a sense of what the financials of the business looks like,” Klein adds.

    How to Choose a Microlender

    Through the SBA Microloan Program there are specifically designated intermediary lenders across the country. These lenders are nonprofit organizations that have experience in lending and in providing small businesses with technical assistance.

    The SBA website provides a directory of its participating lenders, which are located all across the country, from Alabama and Arkansas to California, Tennessee, and Vermont.

    One way for small businesses to find an SBA lender in their area is to use SBA’s LINC tool, says Davenport. A business answers some simple questions about their business and their financing needs, and then we instantly connect or match that small business with lenders in their community.”

    The upshot of using an SBA microlender is that in addition to money, the lender is required to provide the business with technical assistance and guidance, such as free management training.

    This combination of free training and reasonably priced capital gives small businesses the best chance to grow and be successful, says Davenport.

    But the SBA program is just one option there are many other microlenders out there as well. Klein points to the nonprofit Justine Petersen in St. Louis, noting that the organization is doing interesting work helping small businesses build credit, as well as providing a source for funding.

    The Opportunity Fund is another well-known and respected name in the industry, and is California’s largest microlender.

    And one last organization worth noting, Kiva. is an online nonprofit organization that connects microlenders and borrowers. To date, a total of $936.5 million has been lent through the site, in 82 countries. About 1.6 million borrowers have accessed funding through Kiva and the repayment rate has been 97.1%.

    One caveat with Kiva, however: In order to receive an interest-free loan through the organization, borrowers first must have friends and family members contribute to their venture. This helps establish the creditworthiness of the borrower.

    Recommended For You

    Get rid of high interest debt with a 0% balance transfer credit card


    18/09/2017

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


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    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.

    17/09/2017

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    The Steps to SBIC Financing – Small Business Investor Alliance #small


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    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.

    PRODUCTS OR SERVICES

    · 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.

    PRODUCT FACILITIES AND PROPERTY

    · 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 www.SBIA.org


    12/09/2017

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    Madison General Liability Insurance – Business Insurance Quotes in Madison #


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    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.


    09/09/2017

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    How to Get a Small Business Loan (with Pictures) #qualifying #for


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    How to Get a Small Business Loan

    Whether you’re planning expansion or improvements of an existing small business, or you’re just now getting a new business off the ground, a small business loan can give you the financial support you need. Not all businesses can get a small business loan, so you need to take special care in applying for one. By ensuring that everything is as accurate as possible and by putting your business in the best possible light, you will improve your chance to get the loan.

    Steps Edit

    Part One of Three:
    Putting Your Best Financial Foot Forward Edit

    Obtain a copy of your credit report to ensure that it’s accurate. You may even want to obtain a copy from all major credit reporting companies for your country. Most financial institutions review your credit report while they review your loan application.

    Get together some essential financial statements. In order to qualify for a small business loan, the lender needs to be reasonably certain you’ll be able to pay it back. Here are some of the essential financial documents you’ll need to pay back:

    • Complete financial statements for the past 3 years. These include, but are not necessarily limited to, balance sheets, income statements, and a reconciliation of net worth. [1]
    • Current financial statement, no more than 90 days old.
    • Term of debt schedule, as well as breakdown of accounts payable and accounts receivable (broken into monthly categories going back at least three months).
    • If you are just starting your business and need a loan, provide your balance sheet and income statement .

    Make a projection of future operations. This projection of future operations should go as far as a year or until positive cash flow is achieved, whichever comes first. [2] Type in “12 month profit and loss projection” into a reputable search engine for a pre-formatted spreadsheet that you’ll be able to work with.

    • Try to follow industry standards when projecting your profits and losses. If you don’t follow industry standards, or you don’t know what those standards are, try to make explicit any assumptions you are factoring into your projection. This way, the lenders reading your application can better understand your methodology.

    05/09/2017

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    What is VoIP (voice over IP)? Definition from #voice #over #ip


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    VoIP (voice over IP)

    VoIP (voice over IP) is the transmission of voice and multimedia content over Internet Protocol (IP ) networks. VoIP is enabled by a group of technologies and methodologies used to deliver voice communications over the internet, enterprise local area networks or wide area networks .

    Download this free guide

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    VoIP historically referred to using IP to connect private branch exchanges (PBXs ), but the term is now used interchangeable with IP telephony .

    How does VoIP work?

    VoIP encapsulates audio via a codec into data packets, transmits them across an IP network and unencapsulates them back into audio at the other end of the connection. VoIP endpoints include dedicated desktop VoIP phones. softphone applications running on PCs and mobile devices, and WebRTC -enabled browsers.

    By eliminating the use of circuit-switched networks for voice, VoIP reduces network infrastructure costs, enables providers to deliver voice services over their broadband and private networks, and allows enterprises to operate a single voice and data network. VoIP also piggy-backs on the resiliency of IP-based networks by enabling fast failover around outages and redundant communications between endpoints and networks.

    VoIP protocols and standards

    VoIP endpoints typically use International Telecommunication Union (ITU) standard codecs, such as G.711. which is the standard for transmitting uncompressed packets, or G.729. which is the standard for compressed packets. Many equipment vendors also use their own proprietary codecs. Voice quality may suffer when compression is used, but compression reduces bandwidth requirements. VoIP typically supports non-voice communications via the ITU T.38 protocol for sending faxes over a VoIP or IP network in real time.

    Once voice is encapsulated onto IP, it is typically transmitted via the real-time transport protocol or through its encrypted variant, secure real-time transport protocol. The Session Initiation Protocol (SIP) is most often used for signaling that is necessary to create, maintain and end calls. Within enterprise or private networks, quality of service is typically used to prioritize voice traffic over non-latency -sensitive applications to ensure acceptable voice quality.

    Additional components of a typical VoIP system include the following: an IP-PBX to manage user phone numbers; devices; features and clients; gateways to connect networks and provide failover or local survivability in the event of a network outage; and session border controllers to provide security, call-policy management and network connections. A VoIP system can also include location-tracking databases for E911 (enhanced 911) call routing, and management platforms to collect call-performance statistics for reactive and proactive voice-quality management.

    This was last updated in September 2016

    Next Steps

    VoIP phone systems offer versatility but require more purchasing considerations than legacy telephony. Learn more about comparing VoIP vendors in order to make the right purchase choice.

    VoIP products can accommodate thousands of users. Discover how Cisco UCM offers VoIP technology that can replace a telephone system. Also get more information on the Panasonic VoIP KX-TDE system. which is designed to support 1,000 extensions and up to 64 SIP trunks; the NEC VoIP product lineup, which consists of the Univerge series ; and the ShoreTel VoIP phone system ; Mitel 3300 VoIP platform. which supports both small and large enterprises; and the Adtran NetVanta platform .

    Continue Reading About VoIP (voice over IP)

    Related Terms

    Jingle protocol Jingle is a family of signaling protocols for initiating and managing peer-to-peer (P2P) media sessions over the Internet. See complete definition moves, adds and changes (MAC) Moves, adds and changes (MAC) keep computing equipment in line with user needs and up-to-date, with disciplined process. See complete definition Open Settlement Protocol (OSP) Open Settlement Protocol (OSP) is a client-server protocol that manages access control, accounting, usage data and inter-domain. See complete definition

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    04/09/2017

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    Small Business Phone Service: Essentials #voip #small #business #phone #system


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

    Enterprise-grade Unified Communications

  • Nexmo The Vonage API Platform

    Innovative, Cloud-based Building Blocks

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

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

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

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

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

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

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

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

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

  • Referral Partner Program

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

  • Already a Vonage Partner?

    Vonage ® Essentials


    29/08/2017

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  • Divorce – Civil Division, Queens Supreme Court – N #court, #courts,


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    Divorce

    Preliminary Conference

    Counsel and Litigants are encouraged to refer to the Divorce Resources site for forms.

    Effective immediately, the Queens Supreme Matrimonial Department shall utilize the Preliminary Conference form listed under General Forms .

    Notice

    All orders to show cause containing an application for the issuance of an Order of Protection will be treated as an emergency and emergency procedures must be followed. The court is required to conduct a hearing before issuance of an order of protection, and the applying party and their attorney, if any, must be present.

    Family Protection and Domestic Violence Intervention Act

    In accordance with the Family Protection and Domestic violence intervention Act of 1994, an automated statewide registry will be operative effective October 1, 1995. The legislation requires that the registry contain information involving orders of protection and warrants issued statewide in connection with criminal, Family Court and matrimonial cases involving family violence. Effective October 1, 1995, all requests for an order of protection must be submitted with a completed Family Protection Registry information sheet. These forms are available in the matrimonial office, Room 140 in Jamaica.

    General Information

    Telephone inquiries regarding decisions on motions will no longer be accepted. This information, as in the past, will be published in the New York Law Journal. Counsel may appear personally and obtain the pertinent information required from the computer terminals made available to the public for that purpose. Any Request to expedite the signing of an uncontested Judgment of Divorce must be done by Notice of Motion filed and made returnable in accordance with matrimonial motion rules.

    Motions must be filed with the matrimonial office at least 5 working days before the return date.

    Effective immediately. the filing of all post-judgment matrimonial motions and orders to show cause must include:
    (a) copy of the judgment;
    (b) calendar number of the said matrimonial action;
    (c) date of the note of issue.

    Additionally, all applications for writs of habeas corpus must indicate, below the present index number, the index number of any previously assigned action and the assigned judge, or state that no other matrimonial actions have been filed.


    27/08/2017

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    CRM Solution Comparison #crm #in #business, #crm #in #marketing, #crm #for


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    Written By: Cliff Ford on November 17, 2013 No Comment

    STEP ONE in any CRM Evaluation is to gather a checklist of CRM Requirements If you aren t careful, the process of gathering requirements becomes tactical and not strategic. Obviously every feature costs money. So it pays off to initially determine what you are trying to accomplish as a business. CRM is not just Sales and [. ]

    Written By: Cliff Ford on October 16, 2013 800 Comments

    STEP TWO of every CRM Evaluation is to select the right CRM implementation partner. We won t bore you with the obvious details of due diligence. Instead, we offer a few tricks of the trade that will hopefully divide the sheep from the goats. CRM Due Diligence within your CRM Implementation First, check out the [. ]

    Written By: Cliff Ford on September 15, 2013 700 Comments

    STEP THREE of a successful CRM implementation is to select the appropriate deployment model. The Trend is toward CRM in the Cloud It is clear that the global CRM market is becoming more and more focused on Cloud CRM, aka On-line CRM. In 2010 Cloud Computing became the number one CRM trend. Salesforce.com has been [. ]

    Written By: Cliff Ford on August 14, 2013 1,482 Comments

    STEP FOUR in a successful CRM project is to select the proper CRM software system. CRM Pricing and costs At the end of the day, it usually comes down to price. So why not start with this obvious point. Be careful though with the free versions, because over time you will surely want to [. ]

    Written By: Cliff Ford on December 11, 2012 No Comment

    STEP FIVE in a successful CRM project strategy is having an adoption-oriented CRM Implementation. User Adoption: The Key Ingredient in CRM Project Implementations Keystone Strategy penned an excellent paper on the value of end-user productivity and usability in ERP software implementations. They note that an AMR Research study has shown that merely 15% of employees are [. ]

    Written By: Cliff Ford on September 13, 2015 No Comment

    When it comes to business marketing it has become much more complex over the last few years. How do you stand out in a crowd? Simple: by selling your service in a non evasive way. In order to do that you need to find tools that help you.

    Written By: Cliff Ford on December 11, 2013 No Comment

    In this blog we review and compare SugarCRM Community Edition (free) vs Professional Edition (paid). We include a video and discuss the features and differences.

    Are you a user of SugarCRM Community (free) Edition? Then you may be wondering if you should upgrade to the Professional Edition. Our partners, Accent Gold Solutions, created this video comparison to help our readers distinguish between the Community Edition (free) and the Professional Edition (paid) of SugarCRM.

    We cover Sales, Marketing, Support, Reporting, Database Structure and more topics in detail.

    Written By: Cliff Ford on November 17, 2013 No Comment

    STEP ONE in any CRM Evaluation is to gather a checklist of CRM Requirements If you aren t careful, the process of gathering requirements becomes tactical and not strategic. Obviously every feature costs money. So it pays off to initially determine what you are trying to accomplish as a business. CRM is not just Sales and [. ]

    Written By: Cliff Ford on October 16, 2013 800 Comments

    STEP TWO of every CRM Evaluation is to select the right CRM implementation partner. We won t bore you with the obvious details of due diligence. Instead, we offer a few tricks of the trade that will hopefully divide the sheep from the goats. CRM Due Diligence within your CRM Implementation First, check out the [. ]

    Written By: Cliff Ford on September 15, 2013 700 Comments

    STEP THREE of a successful CRM implementation is to select the appropriate deployment model. The Trend is toward CRM in the Cloud It is clear that the global CRM market is becoming more and more focused on Cloud CRM, aka On-line CRM. In 2010 Cloud Computing became the number one CRM trend. Salesforce.com has been [. ]


    23/08/2017

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    City of Chicago #small #business #administration #chicago, #sbif #program; #commercial #properties;


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    Small Business Improvement Fund (SBIF)

        The Small Business Improvement Fund (SBIF) program uses Tax Increment Financing (TIF) revenues to help owners of commercial and industrial properties within specific TIF districts to repair or remodel their facilities for their own business or on behalf of tenants.

    For application information, visit:

    SBIF Grants/Completed Projects Database

    Program participants can receive matching grants to cover up to half the cost of remodeling work, with a maximum grant amount of $150,000. The grant does not have to be repaid.

    Objective
    To help local industrial companies expand and create employment oportunties for Chicago residents.

    Qualifications and Restrictions
    Expenses eligible for a SBIF grant include:

    • New windows, floors or roof
    • Sign removal and replacement
    • Tuckpointing
    • New heating, ventilation and air conditioning
    • Improvements to accommodate disabled patrons or workers
    • Purchase of adjacent property for building expansion or parking

    SBIF grants are provided to property owners after remodeling work is completed and all expenses are paid. Residential property, residential components of mixed-use buildings, and property leased to fast-food chains and certain other businesses are not eligible for the program. Vacant business property is eligible, but grants are not paid until the space is occupied by a business tenant.


    14/08/2017

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    Free Employee Scheduling Software DRoster by Kappix #employee #scheduling #software, #free


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    About DRoster Employee Scheduling Software

    You’re here because you’ve had it with manual employee scheduling software. We’re here because we hear you and know what you need.

    At Kappix, we know how much time and effort you invest in ensuring that your business is properly deployed to give your customers quality service. We also know you have more pressing issues to check off your to-do list. You just can’t afford the time you’re putting in to scheduling your employees, factoring in numerous employee scheduling constraints, and painfully trying to avoid conflicting shifts.
    That’s why Kappix wants to provide you with all the benefits of an automated free employee scheduling software but without the hassle involved in using complicated scheduling software.

    Kappix’s DRoster employee scheduling software is designed to:

    Relieve you of the daily pressures of creating shifts, coverage for absences, rosters and scheduling duties.
    Allow you to easily manage staff scheduling
    Enable you to respond instantly to your employee’s scheduling requests and business staff scheduling requirements on the fly.

    What do you gain? Satisfied, motivated employees leading to higher employee retention, a smoothly functioning business; satisfied customers generating higher business value; more time to advance your business goals. Visit the scheduling software products page to learn more.

    Watch the schedule software tutorial. The tutorial will give you a clear idea of how to add your employees, positions, duties and schedule shifts. It also shows you how to manage your scheduling. So,set aside a few minutes of your time, grab a cup of tea or coffee, relax and get to know DRoster employee scheduling software. Well worth it!

    DRoster Premium Edition Trial. The advanced employee scheduling software with added functionality for a more flexible customised scheduling experience. Easy to use! Download a Free fully functional trial for 45 uses. Only takes a minute to be up and scheduling with support at no cost! Learn more about DRoster Premium Scheduling Software and Get your free DRoster Premium Edition trial download ! NO credit card info or sign up needed, no risk download, be up and scheduling in 60 seconds!

    DRoster Employee Scheduling Software – industry neutral flexibility for all your employee scheduling needs

    No matter what your business or organization – nurse staffing, medical staff, hotel and hospitality. restaurant, academic institution, delivery services, cleaning and maintenance personnel, trainees, help desk employees, transportation services, flight attendants, real estate, travel agency, retailer, convenience store, construction, volunteers organization – You need to run your business smoothly, efficiently.
    DRoster’s unique industry neutral design coupled with its rule engine flexibility enables you to customize DRoster to your industry-specific and department-specific employee scheduling needs, regardless of your organization’s size.

    Another DRoster benefit: DRoster uses a non-proprietary Firebird database. This means you can integrate all your scheduling data with your payroll software or any other data source. Seamless integration gives you an accurate up-to-the-minute picture of your work schedules as well as total control of your workforce for crucial instant response. DRoster employee scheduling software is easy to install and use. Upgrade to DRoster ‘s automated, computerized staff scheduling rostering solution today at no cost. It’s about time you got your free fully functional copy of DRoster employee scheduling software .

    Essential Employee Scheduling features

    Customisable Properties. Benefit from DRoster’s scheduling flexibility by defining your own schedule properties to make DRoster schedule the way you want it to.

    Unlimited Positions and Employees. DRoster can schedule unlimited number of Employees to deploy.

    Templates. Employee Scheduling Templates for recurring shifts.

    NEW! Create minimum/maximum weekly hours and the DRoster Validator ensures zero overtime!

    Click screenshots to view the complete gallery of Scheduling with DRoster Software


    14/08/2017

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    10 Places to Get a Free Business Education Online #small #business


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    10 Places to Get a Free Business Education Online

    Getting a business education doesn’t have to be expensive. An increasing number of colleges, universities and even nonprofit organizations offer free business courses online. Find out how you can sign up for these courses and what you can get from them.

    Online Business Courses for Credit

    Online business courses that don’t require students to register or pay tuition are plentiful, but these courses don’t lead to college credit. Students who would rather earn credit for the courses they take online might want to consider resources that charge a fee in exchange for access to online course materials.Study.com offers this form of distance learning through its quick and informative video lessons and corresponding self-assessment quizzes. Students also have access to free transcripts for the video lessons.

    Students can start with Business 101: Principles of Management which include chapters like:

    • Management Basics – Study different managers’ roles and examine the four functions of management.
    • Leading in Organizations – This chapter explores the difference between leadership and management and how the two work together. Various leadership styles are also covered.
    • Marketing Philosophies and Ethics – Learn about marketing versus sales, corporate responsibility and cause-related marketing.
    • Consumer Decision Making – Topics include consumer behavior theory, the purchase process, cognitive dissonance and consumer buying influences.
    • Network Systems Technology – Examine client/server systems, network operating systems and wireless computing devices in this chapter.
    • Systems Development – Subjects include life cycles, graphical user interfaces, application development processes and project management tools.

    Free Online Non-Credit Business Courses

    Massachusetts Institute of Technology

    MIT OpenCourseWare might be the next best thing to getting an MIT education for free. Through these free online publication, students can find bachelor-level and master-level courses business courses offered by MIT’s Sloan School of Management

    • Undergraduate and Graduate Business Courses include online lecture notes, videos, labs demonstrations and more. No registration is required and more than 150 courses are available.

    The U.S. Small Business Administration

    The Small Business Administration has one of the best selections of business courses on the web. Topics include everything from starting a business and business management to government contracting and international trade. Most courses take only 30 minutes to complete.

    • Financing Options for Small Businesses centers around determining financial needs, loans, grants, venture capital, angel investors, crowd funding and more.
    • Strategic Planning looks at the significance of strategic planning while breaking down the steps of the process.

    Free Management Library

    • The Free Nonprofit Micro-eMBA(SM) Program is a great resource for students wishing to learn more about nonprofit management. Completion of this program will not result in an MBA degree, but enrollment is free. The amount of time it takes to complete the program will depend on how fast you learn, but you may expect to spend at least 200 hours on coursework.

    University of California Irvine

    The University of California Irvine offers several free business courses in English and Spanish through their OpenCourseWare site. Courses are broken down into lessons, and include optional reading lists for students who want to dig deeper into the course subjects.

    • Fundamentals of Business Analysis focuses on the function of a business analyst within the operating of an organization.
    • Training and Human Resource Development breaks down the information and experience needed to pick out an organization’s training and development needs while looking into the related processes.

    Financial Management Training Center Courses

    The Financial Management Training Center provides 20 free downloadable business courses for people who need to learn the finer points of financial management. All courses can be taken online. They include full exams as well as evaluation forms for people seeking Continuing Professional Education (CPE) credits.

    • The Management of Capital provides a basic overview of navigating a company’s financial structure.
    • Creating Value through Financial Management serves as an introduction to concepts related to Value Based Finance.
    • Project Management introduces the concept and components of project management.

    Kutztown University – Small Business Development Center

    • Strategic Planning and Execution Course presents strategies for crafting and executing business visions, mission statements and goals. The SBDC also provides strategic planning software free to all course participants.

    University of California Berkeley

    The University of California Berkeley offers a new selection of business courses each semester. Courses are lecture-based and typically include either audio or video or both.

    • Business Administration Videos are uploaded to the school’s YouTube page often. Videos are presented by leading business experts such and cover topics like leadership, investment strategies and behavioral economics.
    • Introduction to Probability and Statistics for Business teaches students about descriptive statistics, probability models, confidence intervals, controlled experiments vs. observational studies, tests of significance, correlation and regression.

    The schools in the listing below are not free and may include sponsored content but are popular choices among our users. Tuition and costs will vary across programs and locations. Be sure to always request tuition information before starting a program.

    An admission advisor from each school can provide more info about:

    • programs curriculum
    • career opportunities
    • tuition financial aid
    • admissions starting dates

    1 Ashford University

    Minimum eligibility requirements:
    • Must be 18 years of age or older
    • Programs offered by Ashford and listed below may not be related to the topic covered by the above article.

    13/08/2017

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    Small Business Security Systems #alarm #systems #for #small #business


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    Small Business Security Systems Experts

    Peace of Mind for Your Small Business

    Running a small business requires you to take a number of risks. However, security shouldn’t be one of them. Your primary role is to focus on your business, and we will help you do just that by protecting it with a small business security solution that’s just right for you. We can provide a situation assessment to better understand your small business environment and help pinpoint where you may be most vulnerable, even in areas you may not have considered.

    From burglar alarms and access control to video cameras and digital video recorders, Protection 1 offers security products and service plans that let you choose the solutions best suited to you. We can customize a flexible package of solutions to address your security issues and provide peace of mind.

    Protection 1 Can Address Your Greatest Challenges

    • Burglary accounted for $4.7 billion in losses in 2012, with the majority of non-residential burglaries occurring during the nighttime.* We can help reduce your risk with a professionally installed and monitored burglar alarm system.
    • Employee theft is blamed for $20 to $40 billion in losses, with three out of four employees stealing from their employer.** Video cameras serve as an effective deterrent, and recorded video can be accessed remotely for a live look-in or incident review.
    • Low employee productivity can translate into time wasted on the job and poor customer service, affecting your overall profitability. Actively monitored systems allow you to thank employees for a job you see well done and remind them that their actions are available for review.

    Small Business Security Solutions

    When you call on Protection 1 for your small business security, you can have it all:

    • Local Service and Support
    • Award Winning Resources
    • Affordable and Reliable Security Technology
    • Personal Service

    Many large security companies contract outside dealers to represent them, but we employ our own sales consultants and service technicians. We are a national company with highly trained local professionals who provide innovative security products, expert installation and unparalleled customer service. We have offices strategically located throughout the country, with each local office equipped to help address your small business security needs.

    Video Solutions

    Video solutions include video surveillance cameras for any application and remote video services that can protect your small business against crimes such as shoplifting, vandalism and employee theft. We also offer digital video recorders (DVRs) that can document incidents for evidence when needed.


  • Access Control

    Access control systems can protect your main entrances as well as sensitive areas of your business while eliminating the cost and headache of re-keying and lock changes when employees leave. Whether you want to protect valuable assets or increase employee safety, we have flexible electronic access control solutions for your small business.


  • Intrusion Alarms

    Intrusion alarms, burglar alarms and monitoring can provide small businesses with effective and affordable protection for employees and property due to unauthorized entry, robbery, burglary, holdup, theft and vandalism. Our eSecure services allow you to conveniently monitor and control your security system remotely from your mobile or web-enabled device.


  • Monitoring

    Monitoring is performed by trained Protection 1 professionals specializing in commercial security systems. Our UL Certified monitoring centers are staffed around the clock, so you can have the confidence that your business is protected 24 hours a day, 7 days a week, 365 days a year.


  • Installation Maintenance

    Installation and maintenance is performed by Protection 1 technicians trained specifically to service commercial security systems. If you need service, we arrange for service calls within one day. Our Tech Tracker feature will even let you know via email or text message which technician will be arriving for your installation or service and provide an estimated time of arrival.


  • Fire Life Safety

    Fire and life safety systems can ensure that your people and property are protected from fire and smoke. With fire alarm monitoring to fire alarm inspections and service, you can enjoy peace of mind knowing that Protection 1 has you covered.

    *FBI’s Uniform Crime Report
    **U.S. Chamber of Commerce, 2012

    Reducing Employee Theft

    3 out of 4 employees steal from their employer, racking up $20 to $40 billion in losses.** Video surveillance systems can deter employee theft, record incidents and allow you to access cameras remotely to view live video of your business.

    **U.S. Chamber of Commerce, 2012.

    Related Case Study: Coin-operated Laundromat

    This coin-operated laundromat owner thinks Protection 1 is the best way to remove crime.

    The Situation: This laundromat owner was experiencing burglaries during the day. Her laundromat was unattended and burglars were ripping down office doors, cutting open her safe and breaking into her machines. The owner called Protection 1 for a complete security upgrade.

    Action: Our customer had construction going on right up until the day before she reopened. She was installing barred doors, a new safe and making other structural changes. Our Protection 1 installation team went above and beyond the call of duty to complete ALL of her security upgrades the day before she reopened—and helped to prevent further damage to her new facility.

    Result: This laundromat owner has all kinds of good things to say about Protection 1. She still can’t believe we were able to work side by side with her other contractors—at the last minute—to get her job done. She gives us high marks because we gave her exceptional customer service that really exceeded her expectations.

    Our People Are What Set Us Apart


    13/08/2017

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  • Business Mobile Rate Plans #cell #phone #plans #for #small #business


    #

    Overview

    Share plans

    Our small business Share Plans give you incredible value and flexibility in choosing the plan that is right for your team. Simply choose an initial device and plan based on how much data your team will want to share and then add up to 14 additional devices. All plans include Canada wide text, picture and video messaging. Plus, if you want more data, you can choose a plan that allows you to purchase data in increments of 2GB or you will pay on a pay per use basis.

    Looking for a Basic Phone plan to share minutes?

    Get 300 shareable minutes, unlimited Canada wide text, picture and video messaging and more.

    Single user plans

    Choose a Basic Phone plan or a Premium Smartphone plan with a ton of extra features.

    Push-to-talk plans

    With PTT service from Bell, you can connect instantly to one or many users with the simple push of a button, keeping you in immediate contact with employees and suppliers. However you choose to use it, there’s a PTT plan that’s right for you.

    Mobile Internet plans

    Stay connected on the go with coast-to-coast coverage and blazing-fast speeds on the Bell network. Whether you need Internet for yourself or to share with team members, we’ve got a plan for you.

    Tablet plans


    11/08/2017

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    How to Pay Yourself as a Business Owner #small #business #profit


    #

    How to Pay Yourself from Your Business

    Updated November 06, 2016

    How Business Owners Pay Themselves – and the Tax Consequences

    It s common to hear business owners talk about getting a salary from their business, but that s not actually how most business owners get paid by the business.

    The word salary is common when talking about employees, but most business owners don t actually take a salary as an employee. How you pay yourself out of the business depends on your business legal type.

    Sole Proprietors Take a Draw

    If you are a sole proprietor you are not an employee and you don t take a salary in the form of a regular paycheck. No FICA taxes (Social Security/Medicare) are deducted and no federal or state income tax is withheld. A sole proprietor gets paid by taking a distribution from the profits of the business. Amounts taken out of a business by a sole proprietor may be called ​a draw because these amounts draw down your capital (ownership) account.

    Read more about how owner s draw works.

    Partners Take Distributions from Profits

    A partner in a partnership also does not get paid a salary; they take distributions in a way similar to a Partners can take distributions from partnership profits and are taxed based on their share of those profits on their partnership income tax return.

    How profits are distributed in a partnership or LLC depends on the language of the partnership agreement or LLC operating agreement .

    LLC Owners Take a Draw or Distribution

    Owners of limited liability companies (LLCs) (called members )are not considered employees and do not take a salary as an employee. Single-member LLC owners are considered like sole proprietors for tax and income purposes, and multiple-member LLC members are considered like partners in a partnership.

    Corporate Owners Get Dividends

    An owner of a corporation or s corporation is a shareholder, and as a shareholder, he or she takes dividends when the corporation s board decides to pay them. But many growing companies don t give dividends, but put the profits of the corporation back into growth.

    Corporate Owners Who Work in the Business Get a Salary

    Corporate officers who are involved in the day-to-day running of a business must take a salary and employment taxes must be paid on that salary. In addition, S corporation shareholders may take additional distributions of profit from the business.

    How Much Should I Take from My Business?

    Business owners who take a draw or distribution of profits can take any amount they want from their business.

    Of course, you shouldn t take money that will be needed to pay employees, pay off business loans, or pay other bills of the business.

    What s a reasonable salary for an officer in a corporation or s corporation?

    Some corporations try to hide corporate officer pay to avoid employment taxes. but the IRS says corporate officers must be paid a reasonable amount. The IRS has established guidelines for determining a reasonable salary. based on experience, duties and responsibilities, time spent, comparable amounts paid to others doing similar work, and other factors.

    How does self-employment tax work for business owners?

    Self-employment tax is the equivalent of FICA tax (Social Security and Medicare) for business owners. The amount of self-employment tax that must be paid is based on the profits of the business; if the business does not make a profit in any one year, no self-employment tax is due.

    Owners of sole proprietorships. partnerships, and LLCs do not take a salary, so ​any money they take from the business does not have deductions or withholding for (1)FICA taxes (Social Security and Medicare), (2) federal income tax, or (3) state income tax. In addition, no other employment taxes are paid by the company for this distribution to a business owner.

    Of course, these taxes are still due and payable. Sole proprietors, partners, and LLC members must pay self-employment tax when they complete their personal tax return for the year. The self-employment tax is calculated and added to the income tax due; self-employment taxes are paid to the IRS along with federal income taxes.

    How does income tax get deducted from payments to business owners?

    Since payments to business owners (not including salaries to corporate officers) are not considered payroll, federal and state income taxes are not withheld. Business owners must make quarterly estimated tax payments to avoid penalties.

    For more information on how taking money from your business affects your taxes, read this article about business owner pay and taxes.


    09/08/2017

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    Small Business – Business Travel – The New York Times #cuba

    #business travel
    #

    Business Travel

    Business travel can be a grind whether you’re a road warrior or just an occasional traveler. This section offers advice on getting the best fares, dealing with the inevitable hassles, and getting the most out of the trips you take.

    Chronology of Coverage

    Oct. 27, 2015

    Rise offers subscription memberships for $1,650 to $2,650 a month that allow unlimited private jet travel between four Texas cities; organization leases Beechcraft planes from charter companies. MORE

    Oct. 13, 2015

    Airports are opening on-site hotels in effort to be more competitive and lure both tourists and business travelers; several major airports including Kennedy International are building new hotels; such hotels previously served stranded air travelers and rotating flight crews. MORE

    Wheels column; rental car companies that offer car-sharing, or very short-term rentals, are proliferating, seeking to serve growing number of young business travelers who find service both flexible and affordable. MORE

    Recommendations for business travelers hoping to beat jet lag include adjusting sleep schedules and short-term use of medications, but research reveals that there is no cure for all ills associated with crossing time zones. MORE

    Travel experts say that extended-stay hotels are becoming increasingly more attractive to business travelers; extended-stay hotels offer atmosphere more akin to home, and have gained popularity due to lower prices for longer stays and complimentary breakfasts; chains are now capitalizing on popularity and moving into urban areas. MORE

    More hotels are charging fees for Wi-Fi service to their customers, particularly high-end hotels, where fees will only be waived if customers sign up for loyalty programs or book rooms directly with hotel; many business travelers have become reluctant to pay fee for what is now considered essential service and have found numerous ways to avoid paying. MORE

    Business travelers must operate within guidelines of corporate travel policies set forth by their companies, which can impede their ability to make use of mobile apps like Uber, Airbnb and other tech tools that have transformed leisure travel; good news for business travelers is that situation is changing as companies embrace digitally empowering their traveling employees. MORE

    Airports worldwide are discarding notion of merely being transportation hubs, and instead are adorning facilities with luxury amenities, for both pleasure and business travelers, that rival resort hotel industry; while United States airports have improved significantly, they still lag behind modernization of top foreign terminals. MORE

    International hotel chains are ramping up efforts to lure Chinese recreational and business travelers in response to surge in global travel from China; Chinese business travelers in particular are prime target given the scarcity of globally established high-end Chinese hotel chains. MORE

    Los Angeles is often regarded as being a city of cars and gridlocked traffic, but business travelers may not be aware that the city has network of nearly 200 bus lines and six rail lines, as well as an extensive regional commuter rail system that can make it easy, and even free, to get to some of city’s biggest convention venues. MORE

    Cultural experience of visiting geishas in traditional Japanese teahouses, which was once secretive environment restricted to regular customers, is becoming more open as an option for entertaining foreign business travelers; geishas act as hostesses, preparing and serving food and beverages and performing traditional dances and songs. MORE

    Business travelers and others who rack up frequent-flier miles should be aware that while terms and conditions of most airlines prohibit transfer of frequent-flier miles, even in case of death or divorce, heirs are often able to persuade airlines to waive their rules. MORE

    Website Hotelwifitest.com ranks hotels in more than 4,000 cities based on their Internet connection speeds, helping business travelers avoid hotels with unreliable Wi-Fi that could impede their ability to access vital data for an important business meeting. MORE

    Hotels that overlook airport runways are popular with aviation enthusiasts and business travelers who enjoy watching takeoffs and landings; website plane-spotting-hotels.com attracts 15,000 visitors monthly; several good plane-spotting hotels noted. MORE

    Tips for business travelers who wish to explore opportunities that may develop from diplomacy thaw between United States and Cuba highlighted. MORE

    Industry experts say growing business travel is keeping most passenger flights at full capacity, leaving little incentive for airlines to translate falling oil prices into lower airfares. MORE

    Many airports are installing more electric outlets for travelers, particularly those on business trips, who are desperate to charge the myriad mobile devices they so heavily depend on. MORE

    Frequent business airline travelers say requests to change seats have assumed new stridency and anxiety in crowded cabins; contend there is certain etiquette involved that infrequent travelers frequently violate. MORE

    Joe Sharkey On the Road column looks back on 16 years of writing column in his final post; offers advice to airline travelers to pay attention to safety instructions. MORE

    Frequent Flier column; National Association of Realtors member Bill Malkasian discusses his flying experiences. MORE

    Many business travelers are moving away from traditional car services and taxis to ride-hailing services like Lyft and Uber; companies, after resisting shift, are adapting to change; almost one-third of rides business travelers expense for are ride-hailing services, up from 10 percent year ago. MORE

    Joe Sharkey On the Road column says proposal is being considered that would allow La Guardia Airport to add domestic long-haul and coast-to-coast flights, making it more attractive to business travelers; points out regional flights could be cut, however. MORE





    08/08/2017

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    Small Business Loan #small #buissness #loan


    #

    Small Business Loan

    How to get a business loan

    This section looks at some of the business loan requirements you will need to fulfil, as well as the factors that we assess when you make an application. Alternatively, you can find out instantly if you are likely to get the money your business is seeking using our Eligibility Checker. If you make an application we will seek to find out about:

    You and your business – To gain a full understanding of your business, plus how your skills and experience will help achieve your plans

    Personal/business investment – To establish your investment in the business compared to what our investment might be.

    Purpose – To know how your planned borrowing fits in with your plans and discuss your finance options.

    Amount – To determine if the amount you’re applying for is appropriate and help structure your borrowing in the most suitable way

    Term – To discuss the time period over which the borrowing is required, helping us assess your finance options and your ability to repay

    Repayment – To understand how you intend to repay the borrowing and be confident of your ability to do so (eg from trading profit, cashflow or asset disposal)

    • For a new business this may be set out in a business plan and cash flow forecasts
    • For established businesses this is usually the assessment of the historic trading figures, current turnover, as well as plans and projections

    Some of the following may be required to help us assess affordability and your ability to make repayments. The more finance you’re applying for, the more information and documents we may need to see. If you’d like to know more, please ask your Business Manager for more details.

    Security/assets – To seek some form of appropriate security, such as guarantees, property or other assets that are straightforward to value and realise

    Other business interests – To know what other commitments you or your management team has, so we can assess how much attention and focus the business will have

    Cash flow forecast and business plans – To demonstrate your ability to think logically about your business strategy and business model

    Management accounts and historic accounts – To see evidence of past financial performance (not applicable to start-ups)

    Business Loan Rates and Charges

    Loan size
    The minimum loan size is 1,000 and the maximum is 25,000.

    Loan term
    The minimum loan term is 12 months and the maximum is 10 years.

    Interest rate
    The interest rate is fixed for the term of the loan and agreed at the outset. Interest is charged throughout the full loan and any month when a repayment is not made.

    Arrangement fee
    A competitive arrangement fee of 100 is payable at the start of the loan.

    3-month payment holiday
    A 3-month repayment holiday is available at the start of the loan. If this option is taken, interest is charged throughout the 3-month period, meaning the amount of interest you pay will be higher.

    Early repayment charge
    Under the Consumer Credit (Early Settlement) Regulations, if the loan is repaid early the bank is entitled to deduct interest of 1 calendar month and 28 days. This is automatically included in the calculation of the rebate of interest to give the loan settlement figure.

    Representative Example

    7.4% APR representative (fixed). Based on an assumed loan amount of £13,000 over 60 months at the AIR of 7.1% p.a (fixed). Monthly repayment £256.67. Total amount payable £15,500.72.

    Loan Amount
    £13,000

    Term
    60 months

    Monthly repayment
    £256.67

    Total amount payable
    £15,500.72

    *Annual Percentage Rate Representative (APR Representative)
    7.4% APR representative (fixed)

    * Annual Interest Rate (AIR)
    7.1 % p.a (fixed)

    * Simple Interest rate
    6.86 %

    * Annual Percentage Rate (APR) is the total cost of the credit expressed as an annual percentage. It represents the actual yearly cost of credit over the loan term and includes the rate of interest and a £100 arrangement fee. The APR will vary depending on the loan amount and term.

    * Annual Percentage Rate Representative (APR Representative) is the advertised rate (or a lower rate) we reasonably expect at least 51% of people who are accepted for and enter into the loan agreement as a result of the advertising or marketing will pay.

    * Annual Interest Rate (AIR) is the rate of interest on a loan with the rate compounded on a monthly basis.

    * Simple Interest Rate is the rate at which daily interest accrues on the loan (not compounded)

    Important information

    • Interest rates View the interest rates for all our lending products
    • Price list See the prices of our most frequently-used account services
    • Appeals for borrowing If your lending application is declined, find out how you can appeal the decision
    • Terms and Conditions for Sole Traders and Partnerships
    • Terms and Conditions for Limited companies

    See what business current accounts, unsecured loans and overdrafts are available from other providers


    07/08/2017

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    Intruder alarms – burglar security systems » SECOM security #alarm #system


    #

    Our Intruder Alarms Are Continuously Monitored

    We understand the challenges faced when protecting your business from unauthorised access and can provide an intruder alarm system tailored to your needs. By using full integrated intruder detection technology SECOM can help you protect your premises and members of the public 24 hours a day, 365 days a year.

    Intruder Alarm

    • Grade 2 or 3 system insurance approved
    • Insurance company approved installation
    • 24 hour monitored protection
    • GPRS and IP signalling options available
    • Anti-mask detection devices available
    • Suitable for all commercial premises
    • Installed and maintained by SECOM trained engineers
    • Free security consultation

    Package from £795

    Wireless Intruder Alarm

    • Grade 2 systems
    • Insurance company approved installation
    • 868MHz secure radio frequency
    • 24/7 monitored protection
    • GPRS signalling available
    • Suitable for small commercial premises
    • Quick and easy installation
    • Installed and maintained by SECOM trained engineers
    • Free security consultation

    Package from £795

    Visually Verified Intruder Alarm

    • Grade 2 system
    • Visual confirmation
    • Military grade radio frequency between devices
    • Cellular communication to ARC
    • Battery powered No mains power needed
    • Video clips reviewed by skilled ARC operators and appropriate action taken
    • Quick installation
    • Flexible short-term hire plans
    • Ideal protection for construction sites and vacant properties

    Package from £199

    Innovative Intruder Alarm Systems

    We understand the challenges faced when protecting your business from unauthorised access and can provide an intruder alarm system tailored to your needs. By using full integrated intruder detection technology SECOM can help you protect your premises and members of the public 24 hours a day, 365 days a year.

    Every business has different needs, which is why our alarm systems are individually tailored to provide the greatest protection. From window sensors and magnet contacts to the latest movement and vibration detection technology we will find the ideal blend of equipment to help your business remain secure.

    SECOM intruder alarms can be remotely monitored thanks to our dedicated alarm receiving centre, helping you to meet police and insurance standards.

    Why SECOM

    As one of the UK s largest electronic security companies, we provide the protection that keeps a significant number of the country s large and small businesses operational and on a walk down any high street you ll see that some of the nation s largest brands trust SECOM to provide this service.

    Our core aim is to provide incredible service, as well as cost-effective, reliable security solutions. Furthermore, all our intruder systems are monitored by our NSI Gold accredited Alarm Receiving Centre.

    Plus, we never stop looking for new ways to improve security and are continually seeking out new solutions, which is why we re ranked as one of the world s top 100 most innovative companies by Forbes magazine.

    Our Accreditations

    SECOM have been formally accredited by several industry bodies enabling you to trust that we ll meet all your security needs whilst complying with the highest recognised standards.

    Our Alarm Receiving Centre is NSI Gold accredited for the Monitoring of Intruder Alarms, Fire Alarms and Lone Worker Devices, as well as holding NSI Gold status for the installation and monitoring of Remotely Detector Activated CCTV systems.

    Products

    Sector Examples

    Related Content


    07/08/2017

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    We Guarantee the Best Rates – Terms for Business Loans #small


    #

    SEE WHAT OUR CLIENTS HAVE TO SAY ABOUT WORKING WITH US.

    We provide software consulting services technology. When we take on new consulting customers, cash flow is a key factor. The funds provided by Imperial Advance have allowed Second Phase to grow our consulting business by providing an injection of cash flow in an extremely timely manner.

    The team at Imperial Advance understands the immediate needs of small businesses like ours. Their application and approval process is by far the fastest I ve seen. We have been working with Imperial Advance since 2013 and the service has been exceptional!

    Troy G. Smith
    Founder President SecondPhase

    You guys are very efficient Awesome! I am very thankful to Imperial Advance for always being there for me and my business. They have been helping me for the last few years and I know I can count on them whenever I have a need for quick capital.

    Their process is efficient and reliable. Daniel took care of my business in a very professional, consultative manner. I am a customer for life. Thank you Imperial Advance!

    -Steven E Sagar
    Owner Jiffy Mart Foods

    Jiffy Mart Food


    05/08/2017

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    Uncontested Divorce – DIY Forms #court, #courts, #new #york, #new #york


    #

    Uncontested Divorce Program

    Aviso: Este programa es en ingl s, pero obtendr su traducci n al pulsar sobre ESPA OL. Deber responder en ingl s o el tribunal rechazar sus documentos.

    An “uncontested” divorce is where both you and the person you want to divorce agree to divorce and there is an agreement about what will happen to your finances and property after the divorce. [Learn more about Divorce ]

    You can use this program if:

    • You and the person you want to divorce are over 18 years of age,
    • You and the person you want to divorce have no “children” under 21 years of age ,
    • Your marriage has been over for at least 6 months and your relationship can’t be saved, AND
    • All marital property issues, including debt, have been settled.

    Information Checklist

    You will need the following information with you when you use this program:

    • The name, previous last names (if any), current address, social security number, and phone number of the person you want to divorce.
    • A copy of your marriage certificate.
    • If you have any of the following: Settlement Agreement, Order of Protection, etc.
    • If you have an extreme financial hardship and can’t afford the court fees: information about your income, the things you own, and how much you spend a month on utilities and rent.

    Download and print the checklist of information you will need to complete this program.

    Start

    Note: You will be taken to our partner website called LawHelp Interactive.

    You can Sign Up to Save Your Work or go directly to the program without signing up by clicking on Get Started or Go . Then check to agree to the Terms of Use and click on Continue to begin the program.

    About DIY Forms

    Who Can Use These Programs?
    You can use DIY Forms if:

    • you’re a court user and you don’t have a lawyer;
    • you’re a legal services provider;
    • you’re a pro bono lawyer. Pro bono lawyers filing a DIY Form must submit thispro bono affirmation .
    • you’re from a low-bono (reduced fee) program recognized and authorized to use the DIY Form programs by the NYS Courts Access to Justice Program. You must submit this low-bono affirmation with the filing.

    Commercial use is prohibited and no one may charge for using these programs. When you begin the program, you will be asked to accept these terms of use.

    Computer Requirements
    In order to use DIY Form programs, make sure you have the following:

    Note: If you’re on a Mac and do not have Microsoft Word, this program will not work for you.

    Help Using DIY Forms
    See Frequently Asked Questions for help using DIY Form programs.

    Related Information:


    04/08/2017

    Posted In: NEWS

    Tags: , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , ,

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    The best software for small businesses (SMEs) – Essential Guide #best


    #

    The best software for small businesses (SMEs) – Essential Guide

    The best software for small businesses is software designed to help them to run their operations better, cut costs and replace paper processes. The most popular software packages include accounts. office productivity, email and communications, but nowadays, most business activities can be improved through desktop or web-based applications.

    Download this free guide

    Cloud computing getting top budget in 2017: Nordics and their priorities

    What are your peers in the Nordics region looking to spend their budget on in 2017? Unsurprisingly, cloud computing is one of the biggest draws and more than half of CIOs in the region will spend more on cloud technologies this year than they did in 2016.

    By submitting your personal information, you agree that TechTarget and its partners may contact you regarding relevant content, products and special offers.

    You also agree that your personal information may be transferred and processed in the United States, and that you have read and agree to the Terms of Use and the Privacy Policy .

    What is the point of business software?

    The business software that is most likely to benefit your firm will generally help you to increase or measure your productivity; save time or money. and make your staff or processes more efficient.

    Should I go for desktop or web-based applications?

    With the growth in adoption of the web and mobile computing, the scope of business software has expanded considerably.

    Desktop software tends to offer richer functionality than web-based tools because it can draw on the operating system and storage more easily. However, browser-based applications often carry a lower cost or can be used for free in some cases and staff can access them wherever there is an internet connection.

    With the growth of Software as a Service (SaaS), or on-demand applications, everything from office productivity to customer relationship management (CRM) can be accessed via the web.

    What can accounting software offer?

    Few businesses can do without finance and accounting software. which can often automate activities such as billing, invoices and payroll.

    Accounting software provides a way of recording and measuring sales, costs and profits. It can also be used to automatically generate invoices and formal business correspondence.

    Some accounting software allows you to carry out analysis on your figures, to see trends and patterns in your business’ performance.

    Worth noting is that if you plan to use your accounting package to submit statutory accounts, it needs to meet the relevant legal requirements.

    What sorts of office software is available?

    But suites other than Microsoft are also worth considering, such as OpenOffice.org. or Sun’s StarOffice. These are compatible with Microsoft’s applications and also carry a free or low-cost price tag.

    How about communication and collaboration?

    Groupware and collaboration is another level of office productivity software, and can help employees to work together by sharing information.

    Although not suitable for all businesses, this type of software has its merits and can facilitate teamwork, and increase business process efficiencies.

    These tools can help to facilitate electronic communications, so staff can send messages, files, data, or documents more easily, and even send and share voice files.

    The sorts of functions that the software can bring are online conferencing, electronic faxing, interactive voice mail, wikis, web publishing and revision control of documents.

    Groupware and collaboration software can also help teams to share information in a more interactive way, for example, via internet or intranet forums, also known as message boards or discussion boards.

    What other sorts of things can collaboration tools offer?

    Groupware and collaboration software has also given rise to a whole host of network-centric applications. These are termed collaborative management tools and they can help a business to manage group activities.

    Although small businesses can benefit from these functions, we are now entering the realms of the medium sized or larger business.

    Groupware and collaboration software can offer shared electronic calendars; project management systems; workflow systems; knowledge management; extranet systems to collect, manage and share project information; social networking software ; and online spreadsheets.

    What sorts of software applications do larger SMEs use?

    When it comes to other sorts of business software, designed for the larger or more ambitious businesses, the sky is the limit.

    The meatier business tools that tend to be favoured by larger businesses include CRM, for recording customer information and finding out trends in buying habits; and sales force automation, which helpful for organising and managing sales teams and leads.

    However, these may not be for everyone and can add cost and complexity to small businesses’ IT systems.

    This was last published in July 2009


    04/08/2017

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    Small Business CRM #small #business #crm #systems


    #

    Small Business CRM

    Communicate

    Convert more and build long-lasting relationships with GreenRope’s many features built to help you communicate with your leads and clients. From email marketing and social media to advanced marketing automation and more, all the tools you need to engage your contacts are right at your fingertips. It’s now easier than ever to keep in touch and stay top-of-mind.

    Learn More About Our Communication Tools chevron_right

    Track

    ​Track your emails, websites, campaigns, signups and more with our real-time tracking and analytics. Find out where your top conversions are coming from and compare total pageviews, time on pages, conversion values, and more all in a single, easy-to-understand view. Data is everything – use it! All of the metrics you want to track are stored right in your CRM.

    Learn More About Our Tracking Features chevron_right

    Automate

    Marketing automation helps you setup processes allowing you to be more efficient. With our state of the art automation tools, increasing productivity, closing more deals, growing revenue, and saving time all become possibilities. Discover the many tools you have at your disposal and get started today.

    Learn More About Our Marketing Automation chevron_right

    Create

    Make all of your communication and marketing materials stand out with GreenRope’s drag-and-drop EasyBuilder for emails and landing pages. With our platform, you can easily create professional and responsive emails, signup forms, landing pages, websites, and much more. Sit back and watch the leads come in.

    Learn More About Our Creative Features chevron_right

    Learning

    Offer courses, certifications, or training sessions with our learning management system. Create courses, invite people to take those courses, provide learning materials and track progress all from one dashboard. All progress is tracked within your CRM.

    Learn More About Our Learning System chevron_right

    Integrations

    Connect the apps you use every day. We want to make your life easier. GreenRope integrates with many apps to help you maximize productivity. Some of our integrations include Zapier, WordPress, Magento, RightSignature, Evernote, just to name a few. All integrations can be accessed right from within the platform.

    Learn More About Our Integrations chevron_right

    Mobile CRM

    Stay connected no matter where you are. GreenRope’s mobile app lets you take your CRM and marketing automation on-the-go. The mobile app is free with every GreenRope account.

    Learn More About Our Mobile CRM chevron_right

    Shared Access

    GreenRope empowers your team to collaborate like never before by not charging for additional users. Your entire team will have access to the information they need to get the job done. As the account owner, you can choose what level of access each of your shared access users receive, so each user will have a customized view and experience with the account.

    Learn More About Our Shared Access chevron_right

    Data Security

    Keeping your business and your data secure is our top priority. At GreenRope, we have the security, stability, and disaster recovery plans so you can always feel safe and never have to worry about any internal or external threats. From utilizing maximum encrypted HTTPS for all web connections, to support for two-factor authentication and account owner approval for user data exports, your data is safeguarded in your personal fortress.

    GreenRope is the world’s only Complete CRM, offering integrated sales, marketing, and operations tools to help you do better business. We are the small business CRM helping you build awareness, generate leads, engage and convert.

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    03/08/2017

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    Compare The Best Marketing Automation Tools – Software #marketing #automation #software


    Compare Marketing Automation Tools

    While there are a countless number of marketing automation tools coming onto the market, we ve focused this comparison on six of the most popular vendors; Infusionsoft, Ontraport, ActiveCampaign, Marketo, Pardot, and Eloqua.

    The tool that is best suited for your business will largely come down to your budget and feature requirements. Below we ve included three side-by-side comparison tables to help you find the right tool for you. First of all, we have a very basic summary of the six tools, followed by an in-depth comparison of small business marketing automation tools, and finally a similar comparison of enterprise level marketing automation tools.

    Marketing Automation Software At a Glance

    Small businesses, medium-sized businesses, corporations

    Over 100,000 businesses

    Small businesses, membership information product websites

    Coach Marketing Machine, Mindvalley, TicketDerby, Book More Brides

    Infusionsoft

    Overview

    15 Business Ideas Poised for Success #small #business #startup #idea


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    15 Business Ideas Poised for Success

    Credit: wavebreakmedia/Shutterstock Ready to take control of your career and start a new business? In today’s world, it’s easier than ever to find a trend and turn it into a full-on entrepreneurial venture. Capitalize on some of the biggest business opportunities right now with these 15 ideas.

    Instagram consulting

    Credit: rvlsoft/Shutterstock Despite Instagram’s growing popularity, not all brands know what they’re doing on the app. If you have a background in social media and marketing and a passion for photography and Instagram, starting a consulting business that focuses on the popular photo app can be a great way to make money while helping other businesses improve their content and thrive.

    Women’s health platform

    Credit: Milleflore Images/Shutterstock Aspiring women entrepreneurs looking to make a difference are now in a better position than ever to launch businesses that help other women. An online store that focuses on women’s health needs, or another platform that connects women with important resources and products, could be a great framework for a successful and meaningful business. [See Related Story: 4 Startups That Are Changing the Conversation About Women’s Health ]

    Real-Life Success Story: Maven Clinic]

    Box subscription services

    Credit: rawmn/Shutterstock Box subscription services are popping up everywhere in the food, beauty and even pet product sectors, ready to deliver goods right to your door each month. One of the consumer perks is the idea that these subscription boxes are carefully curated just for them based on their likes and interests, and each month, the boxes’ contents are a surprise.

    Find a unique product category that’s still untapped by the box subscription industry, or find a way to put a new spin on an existing service, and you could have a lucrative business on your hands. Keep it as inexpensive as possible — according to LearnVest. offering cheaper products will help you stand out from the competition.

    Health clubs for millennials

    Credit: Syda Productions/Shutterstock Health and fitness services are being rebranded to become trendier and more sociable. Opening a health club or gym targeted specifically to millennials could be a great way to capitalize on the fitness trend, especially if you focus on creating a strong, fun and engaging social media presence to really connect with young members and potential customers.

    Kid-friendly apps

    Credit: Gladskikh Tatiana/Shutterstock Kids are your future customers, so gaining their loyalty now isn’t a bad idea. According to Common Sense Media. three-quarters of kids have access to a mobile device. This spells a big business opportunity for anyone who can create products or design apps just for kids. And, if they also happen to be educational or promote good health, you’ll win their parents over, too.

    Real-Life Success Story: Tozzle

    Software training

    Credit: Monkey Business Images /Shutterstock.com If you’re proficient in a highly specialized software, you can get paid to pass your knowledge on to amateurs and professionals looking to expand their skill sets. Technical manuals are available for programs like QuickBooks and Final Cut Pro, but these are often expensive and difficult for the average user to get through. Schedule small group workshops or private sessions, and charge by the hour for a full tutorial of the program. The best part about this gig is that it can be done part time.

    Health care consulting

    Credit: Healthcare image via Shutterstock As an independent healthcare consultant, you can offer management and data analysis for organizations like hospitals, labs and therapist offices to help implement solutions to improve efficiency and save money. If you have a marketing or economics degree, this is a great opportunity to put it to use.

    Food truck

    Credit: Food Truck Image via Shutterstock Want to start a food business? A truck is a much less expensive investment than a brick-and-mortar restaurant, and according to Mobi Munch founder Josh Tang, the failure rate for food trucks is just 10 to 20 percent (as opposed to 60 to 90 percent for restaurants). With the right equipment and some great recipes, you can have your mobile eatery up and running in no time.

    Real-Life Success Story: Korilla

    Freelancing

    Credit: LOFTFLOW/Shutterstock Companies are increasingly turning to freelance and contract workers to fill the skill gaps in their staff. It’s not hard to imagine that you could build a whole company around providing freelance services of one sort or another. Some freelance gigs pay by the project and others pay hourly, and the rates can vary greatly. But as you gain more experience, your earning potential will soar.

    Mobile consulting

    Credit: LDprod/Shutterstock Mobile tech is now a must-have for almost any business, but finding ways to go mobile is a challenge for many business owners. If you can provide affordable mobile solutions to businesses that need them, you’ll find mobile consulting a rich business opportunity.

    According to Jamie Turner, founder of The 60-Second Marketer. there will be an ongoing need for mobile assistance based on the increasing number of consumers with smartphones.

    “If you’re in business, it’s your job to be where your prospects are. Your prospects are in mobile right now,” Turner said.

    Real-Life Success Story: Kony

    Translation services

    Credit: Global translator image via Shutterstock There’s no denying the global marketplace is growing. All that cross-cultural communication is creating an increasing need for translators. According to the U.S. Bureau of Labor Statistics’ Occupational Outlook Handbook. the hiring of interpreters and translators is projected to grow by 46 percent by 2022, much faster than the average for all occupations. This means it’s a big business opportunity for entrepreneurs who can bring foreign-language speakers together with businesses in need.

    Traveling salons

    Credit: Sergey Nivens/Shutterstock As people live longer, there’s an increasing need for senior services of all sorts, and not all of these needs are related to health care. One lifestyle service with growth potential is a mobile salon that travels to customers’ residences to do their hair and nails As aging baby boomers move into the senior-citizen category, there will be a growing need for these mobile services that help keep them looking good without requiring them to make a trip to the salon.

    Healthy vending machines

    Credit: Vending machine image via Shutterstock

    More and more health-conscious and time-strapped Americans are looking for quick food on the go that is healthier than the soda and chips you usually find in vending machines. This has spawned a whole new industry of wellness-oriented, specialized vending companies like Fresh Healthy Vending that offer franchisees the chance to own and service vending machines with better foods and beverages.

    Interested entrepreneurs can either open a franchise from an existing vending machine business or sell vending-machine friendly products to help stock up schools and offices with healthier, affordable snacks.

    Smartphone repair

    Credit: Dreamstime.com Smartphones have become indispensable for both business and personal use. But have you ever tried to get one fixed? Repairing a broken phone can cost as much as it does to buy one. Smartphone-repair services are starting to crop up around the country. If you have a knack for fixing broken screens and solving smartphone tech problems, then opening up a more affordable smartphone repair shop or service might be the way to go.

    Real-Life Success Story: iDropped

    Contracting

    Credit: Tool Belt image via Shutterstock Contracting is a great option for skilled workers who are ready to take the leap from being an employee to owning their own company. With the economy improving and more people looking to purchase or improve their homes, there’s more of a need for skilled labor, making this the perfect time to start offering contracting services. It’s probably best to start small and test the waters, but once you’ve proven your success, your business can continue to grow.

    Additional reporting by Brittney Morgan (Helmrich).

    More Countdowns


    02/08/2017

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    Small Business Network Security #small #business #service #software


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    Small Business – 100 Employees or Less

    Constrained by budgets, resources

    Few small businesses have money to burn on complex security solutions—or the staff to manage them. Yet, in a world of ever-changing threats, even small businesses need comprehensive, advanced protections against cyber-attacks. In fact, 60 percent of small businesses close within six months of being attacked. The best choice for a small business without a dedicated security team is a simple device that covers all the bases and works out of the box. In short, the key ingredients include:

    • Affordability—A cost easily absorbed on a limited budget
    • Ease of use—Can be set up and deployed in minutes, and offers hands-free management for those who need it
    • Peace of mind—Provides reliable security with minimal intervention or management

    Do not compromise security for performance

    A common problem small businesses face when it comes to deploying robust protections is performance. Most often, vendor bandwidth claims fall short when put to the real-world test. As a result, as Internet speeds degrade over time, security services are often disabled to compensate for lack of performance. This opens up the business to cyber-attacks.

    The Check Point 700 Appliances provide unparalleled security without the performance degradation witnessed by other firewalls. So, small businesses can maintain full Internet performance and deploy the strongest protections for their business.


    01/08/2017

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    13 Cybersecurity Solutions for Small Businesses #cyber #security #small #business


    13 Security Solutions for Small Business

    Credit: Mikko Lemola/Shutterstock

    Cybersecurity is no joke. Whether you have a website, online accounts or any type of Web-based infrastructure, you are at risk for a cyberattack.

    Although the public typically only hears about cyberattacks against high-profile companies, banks and government websites, small businesses make prime targets for cybercriminals, competitors and disgruntled parties. Yet, due to their lack of resources, small businesses have the least-protected websites, accounts and network systems making cyberattacks a relatively easy job.

    To help you protect your business, here are 13 small-business-friendly cybersecurity solutions to get you started.

    1. Comodo

    When it comes to low-cost security solutions, you usually get what you pay for. Comodo is a global, award-winning security provider that offers free and affordable security tools that don t compromise on features and reliability. Solutions include: Comodo One, the company s free IT management platform that features Remote Monitoring and Management (RMM), Patch Management and Service Desk all in one place; Comodo Securebox to shield apps from malware-infected devices; and Comodo Advanced Endpoint to automatically prevent malware from entering networks. Small businesses can also enjoy free antivirus, free and paid SSL certificates, free Internet security, mobile device management, firewall protection, security for POS systems and many other services. [See Related Story:Cybersecurity: A Small Business Guide]

    2. ESET

    Looking for a single solution to cover all your bases? ESET lets you choose from a wide range of security bundles to protect your computers, mobile devices, USB drives, networks and servers. For instance, the ESET Small Business Security Pack guards Windows and Mac computers, as well as iPhone and Android phones, file servers and email accounts. The company also offers custom solutions that allows you to build the perfect security tool for your business. You can choose by product type, company size and industry. Choices include endpoint security, mobile security, remote management, two-factor authentication, encryption, file security, email security, virtualization security and more.

    3. Cradlepoint NetCloud Engine (Pertino)

    Virtualization and cloud computing offer many gifts, including the ability to access your desktop, files and other data anytime, anywhere using any device. Security concerns, however, can complicate the convenience. Cradlepoint NetCloud Engine. formerly Pertino, offers one easy, affordable and super-secure way to virtualize your network and your business. You ll enjoy a VPN decked with layers of security protection, such as multifactor authentication a combination of users ID, token (i.e. their device) and PKI-certificate fully cloaked private addresses, micro-segmentation, end-to-end encryption, access policies, industry-leading cloud security, data center protection and more.

    4. Lookout Mobile Security

    It s not just computers that are at risk for security breaches. Lookout Mobile Security is all about protecting your business from cyberattacks on phones and tablets. It works by predicting, anticipating and shielding businesses against all types of mobile threats, such as malware, data leakages and the risks associated with sideloaded apps and jailbroken devices. Lookout also gives you complete visibility over devices and offers advanced tools to manage risks, vet software and app vendors, investigate incidences and ensure compliance with security regulations and company policies.

    5. Random.org

    According to one of the tenets of cybersecurity, you should create strong passwords for all your accounts and services. These days, even passwords based on your pet s name or your spouse s name and birthday come with risks. Random passwords are the way to go. Random.org features a random password generator that automatically creates strong, alphanumeric, case-sensitive passwords up to 24 characters long. Combine results or add your own touch for a super-secure password. You no longer have an excuse to use password, fluffy123 or other ridiculously easy-to-guess passwords.

    6. StaySafeOnline.org

    As a small business, it always helps to know someone has your back. StaySafeOnline.org. powered by National Cyber Security Alliance (NCSA), is full of tools and resources to help small business owners protect their businesses, employees and customers from cyberattacks, data loss and other online threats. Small business owners can learn how to assess their risks, monitor threats, implement a cybersecurity plan and train employees. They ll also learn what to do after an attack, and how to report one to the proper authorities to recoup any losses and bring attackers to justice.

    7. FCC Small Biz Cyber Planner 2.0

    Cybersecurity can be overwhelming for small business owners. Want to cover all your bases, but don t know where to start? The Federal Communication Commission s (FCC) Small Biz Cyber Planner can guide you in the right direction. Just fill in your information, indicate your areas of concern, and the planner will automatically generate a custom cybersecurity plan with expert advice for your business. Areas covered include privacy and data security, scams and fraud, network security, website security, email, mobile devices, employees, and more.

    8. Symantec for Small Businesses

    Many cybersecurity solutions cater to enterprises and large companies, often resulting in sticker shock for small businesses. By contrast, Symantec offers comprehensive security packages built for the small business budget. From protecting your equipment to ensuring the privacy of your data, Symantec s small business protection suites include antivirus/antispyware, firewall and privacy protection; data-loss prevention, automated backups and fast disaster recovery; email scanning and filtering to prevent data leaks; virtualization support; and more.

    9. CloudFlare

    Protecting your website doesn t have to cost a lot. The free CloudFlare tool essentially sits in front of a website and fights against malicious attacks, such as SQL injections and denial of service (DoS) attacks that can shut down your website. CloudFlare automatically detects attacks, blocks them and creates reports to keep you up to date. CloudFlare also evaluates visitors, assessing things like their reputations, IP addresses and other factors to determine legitimacy. Users can also block a range of IP addresses, choose security levels, set up firewalls and enable SSL security certificates for data encryption.

    10. NSFOCUS

    Large-scale distributed denial of service (DDoS) attacks have increased exponentially in the past few years. In essence, DDoS attacks overwhelm website resources, causing an outage that can last from minutes to days, and result in substantial financial losses. DDoS attacks are particularly disastrous for businesses that sell online. Protect your website with NSFOCUS. a DDoS mitigation provider that delivers an all-in-one cybersecurity solution for small businesses. Services include attack detection, defense and monitoring management to combat even the most sophisticated and high-volume attacks.

    11. CSID

    It s not just consumers who face the risk of identity theft. Businesses can fall victim, too. To protect your company, check out business identity protection services like CSID. This full-service solution offers everything from threat intelligence to fraud detection, as well as user and transaction monitoring, credit services, and data breach mitigation. And for businesses dealing with super-sensitive data, CSID also offers advanced authentication methods using global ID verification systems and voice biometrics.

    12. HTTPS Everywhere

    Make web browsing more secure with HTTPS Everywhere. a browser extension for Firefox, Chrome, Opera and Android Web browsers that encrypts communication while you surf major websites. Many websites use Hypertext Transfer Protocol Secure (HTTPS) communication to protect data when users log into accounts, make online purchases and complete other transactions. You can tell when a website uses this protocol because https:// appears in front of the URL. Nevertheless, they are typically limited to select webpages and are often combined with non-HTTPS protected pages, compromising your security. HTTPS Everywhere fills in the gaps and ensures the security of your Web browsing at all times.

    13. Social-Engineer.com

    Cybersecurity starts from the inside. A business can implement all sorts of cybersecurity measures, but if its employees don t get training to avoid cybertraps, cyberattacks are just a few clicks away. Social-Engineer.com helps organizations identify risk areas and how malicious attackers can exploit vulnerabilities to gain unauthorized access to infrastructures. Employees receive training using social engineering risks-assessments and tests that simulate real-life events and mimic attacks. Social-Engineer provides online and onsite training, and can customize programs based on individual needs and requirements.


    31/07/2017

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    Before, During and After Cataract Surgery #cataract, #cataracts, #cataract #surgery, #surgery,


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    Cataract Surgery and
    Lens Implantation

    Before, During and After Cataract Surgery

    What happens before cataract surgery?

    Prior to surgery, your eye care professional will do some tests. These will include tests to measure the curve of the cornea and the size and shape of the eye. For patients who will receive an IOL, this information helps your doctor choose the best type and refractive strength of IOL. Your doctor will likely ask, that on the day of surgery, you take all of your normal medications and may have special instructions regarding a light breakfast and sometimes not to eat or drink anything after midnight the morning of your surgery.

    What happens during cataract surgery?

    When you enter the hospital or clinic, you will be given eye drops to dilate the pupil. The area around your eye will be washed and cleansed and sterile
    coverings will be placed around your head.

    The operation usually lasts less than 30 minutes and is almost painless. Many people choose to stay awake during surgery, while others may need to be put to sleep for a short time. If you are awake, you will have an anesthetic to numb the nerves in and around your eye. You will not have to worry about holding your eye open because an instrument known as a lid speculum will hold your lids open.You will likely see light and movement during surgery, but the eye usually is not uncomfortable. You will be asked to hold your eye still during surgery if you have been given topical anesthetic (drops only).

    After the operation, a sheild will be placed over your eye and you will rest for a while and often have a cup of tea or coffee and something to eat. Most people who have cataract surgery go home the same day. Since you will not be able to drive, make sure you make arrangements for a ride.

    What happens after cataract surgery?

    After surgery, your doctor will schedule exams to check on your progress. Usually your doctor will want to examine you the day following surgery, and then at various intervals after that.

    You will also be given a specific schedule of eyedrops to help healing and control the pressure inside your eye. While being especially careful not to put pressure on the eye itself, the area around the operated eye should be gently cleansed in order to remove any excess eye drops or secretions. Ask your doctor how to use your medications, when to take them, and what effects they can have.

    You will also need to wear an eye shield at night for the first few days to help protect the eye and avoid rubbing or pressing on your eye while sleeping. It is not necessary to wear the shield during the day and it is usually recommended that you wear your normal eyeglasses during the day. If the operated eye sees much better without the glasses you may wish to remove the eyeglass lens for the operated eye, or if preferred, you may choose not wear your glasses at all.

    It’s normal to feel itching and mild discomfort for a while after cataract surgery. Some fluid discharge is also common, and your eye may be sensitive to light and touch. If you have discomfort, your eye doctor may suggest a pain reliever. After 1-2 days, even moderate discomfort should disappear. In most cases, healing will take about 6 weeks.

    Some common problems can occur after surgery. These may include increased pressure, blurring from swelling, inflammation (pain, redness, swelling), and sometimes bleeding. More rare and serious problems include infection, loss of vision, or light flashes. If you experience increasing pain or a worsening of vision after surgery, you should contact your eye doctor. With prompt medical attention, almost all problems can be treated successfully.

    When you are home, do not put your fingers in your eye. and do not to lift heavy objects. Lifting heavy objects increases pressure in the eye. You can walk, climb stairs, and do light household chores.

    It is most important to take your drops exactly as directed and be sure to contact your doctor if you experience any problems.


    31/07/2017

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