10 greatest entrepreneurs of all time – Business – Small business #small

#top entrepreneurs

#

History s 10 greatest entrepreneurs

By Philipp Harper

Special to msnbc.com

How many entrepreneurs have there been in the history of the world? Millions, certainly, probably even billions. These are the men and women who take capital — their own or somebody else’s — and use it to beget more capital. Some fail, some succeed, some excel.

With so many candidates to choose from, any list of the 10 greatest entrepreneurs of all time will necessarily be somewhat arbitrary. It will also be top-heavy with Americans, just as a list of great chefs would be disproportionately French or of great eccentrics dominated by the British.

Business is what America does. If that sounds chauvinistic, get over it.

Here, without further ado but with tongue occasionally in cheek, are history’s 10 greatest entrepreneurs.

1.King Croesus. A pick by our veterans committee, Croesus, who ruled the Asia Minor kingdom of Lydia in the sixth century B.C. is owed a huge debt of gratitude for minting the world’s first coinage, thereby creating in a single stroke the lifeblood of every business: liquidity and cash flow. Moreover, his opulent lifestyle has given entrepreneurs throughout history something to shoot for. Is there a greater distinction for the commercially inclined than to be deemed “as rich as Croesus”?

2.Pope Sixtus IV. Sixtus gets the nod for realizing that the “wages of sin” meant more than unpleasant repercussions. There was money to be made in damnation, and Sixtus mined it by opening up a new market — the dead — for the indulgences the church had been selling for years. Relatives of the deceased quickly filled the Vatican’s coffers with payments intended to lessen the time their loved ones spent in purgatory. In 1478 Sixtus “grew his market” by authorizing the Spanish Inquisition, which swelled purgatory’s ranks by 100,000 souls in 15 years. He also was the first pope to license brothels.

3.Benjamin Franklin. In a real sense, Franklin was America’s first entrepreneur. Unlike other of the Founding Fathers — the hypermoral Washington, the prodigiously intellectual Jefferson — whose virtues and attainments are seen today as anachronisms, Franklin truly was a model of what many of us would become. Beneath the statesman’s mantle resided a popular author, a printer, an inventor (the lightning rod, bifocals) and a very savvy businessman who knew how to commercialize the fruits of his fertile mind.

4. P.T. Barnum. Americans have always loved a good scam and Phineas Taylor Barnum took the art to new heights. He played on our fascination with the bizarre and freakish with sideshow acts ranging from the midget Tom Thumb to Jumbo the giant elephant. In between was a host of more dubious curiosities. He created the Barnum and Bailey Circus as a showcase for all this wonderment, and dubbed it “the Greatest Show on Earth.” Along the way he invented modern advertising and became rich. For the record, he never said “There’s a sucker born every five minutes,” but he left behind plenty of other bon mots. Among them: “Every crowd has a silver lining.”

5.Thomas Edison. What do you say about the man who gave the world the electric light, the phonograph, talking motion pictures and more than 1,300 other patented inventions? That he was the world’s greatest inventor, certainly. But he was also able to exploit the profit potential in his creations, an entrepreneurial bent that asserted itself when Edison was a teen-ager, printing a newspaper in the baggage car of a rolling train and then selling copies to passengers. His impact on the way people live was and is pervasive. As a combination of inventive genius and entrepreneurial flair, he stands alone.

6.Henry Ford. Ford also fundamentally changed human lifestyles by making available a vehicle, the Model T, that vastly extended people’s range of movement. The automobile would allow America’s masses to fulfill their Manifest Destiny to populate every corner of the continent. But his more profound impact was on industry. The moving assembly line he designed to build his cars was the signal breakthrough of the Industrial Age. Appropriately, Ford earned the seed capital for his enterprise by working as an engineer at the Edison Illuminating Company in Detroit.

7.Benjamin Siegel. Known as “Bugsy” to his friends, Siegel was a notorious mobster with a touch of the visionary. Legend has it that he single-handedly invented Las Vegas, and that’s a stretch. But he was the first to see what the town could become: a lush oasis of pleasure where gambling was just one of the attractions. He also proved adept at attracting other people’s money to build his iconic resort, The Flamingo. Trouble was, some of those other people belonged to an outfit called Murder Inc. and Siegel was gunned down in 1947 amid rumors he had stolen from his partners. But give the devil his due: Before there was the Bellagio, there was Bugsy.

8.Ray Kroc. Nothing says entrepreneur like persistence, and nothings says persistence like Ray Kroc, the kitchen wares salesman who in 1954, at age 52 and in poor health, had his imagination hijacked by a family-run restaurant in the desert outside Los Angeles. Once he had bought out the McDonald brothers, Kroc proceeded to take their concept of a limited menu, fast service and low prices and expand it nationally, in the process creating the fast-food industry and dramatically affecting America’s lifestyle and, sadly, collective health.

9.H. Ross Perot. Within every entrepreneur lurks a touch of the cowboy, and there’s no better example of the strain than Perot, the diminutive Texan who has become best known in recent years as a political gadfly. Before that, though, he was all business, using a $1,000 loan from his wife in 1962 to launch Electronic Data Systems. Perot’s winning idea was that large corporations and organizations needed data-processing help if they were to take full advantage of computer technology. When in the mid-’60s he won contracts with two new federal health-care programs — Medicare and Medicaid — EDS was off and running and Perot was on his way to being one of America’s richest citizens.

10.Jobs & Wozniak. Apple Computer’s two Steves weren’t the first Silicon Valley entrepreneurs to launch a billion-dollar business from a Palo Alto garage — Hewlett and Packard were there before them — but they were the first to democratize computing by creating a machine whose use was so wonderfully intuitive that even technophobes embraced it. Combine the elegance of Wozniak’s operating system design with Jobs’ marketing savvy (remember Apple’s “1984” ad?) and the result was a true phenomenon. Yes, the Apple was eclipsed by the PC, but only after Microsoft (behind the vision of two other notable entrepreneurs, Bill Gates and Paul Allen) developed Windows to ape its rival’s ease of use.

Philipp Harper is a freelance journalist living in south Georgia.





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    10 greatest entrepreneurs of all time – Business – Small business #home

    #top entrepreneurs

    #

    History s 10 greatest entrepreneurs

    By Philipp Harper

    Special to msnbc.com

    How many entrepreneurs have there been in the history of the world? Millions, certainly, probably even billions. These are the men and women who take capital — their own or somebody else’s — and use it to beget more capital. Some fail, some succeed, some excel.

    With so many candidates to choose from, any list of the 10 greatest entrepreneurs of all time will necessarily be somewhat arbitrary. It will also be top-heavy with Americans, just as a list of great chefs would be disproportionately French or of great eccentrics dominated by the British.

    Business is what America does. If that sounds chauvinistic, get over it.

    Here, without further ado but with tongue occasionally in cheek, are history’s 10 greatest entrepreneurs.

    1.King Croesus. A pick by our veterans committee, Croesus, who ruled the Asia Minor kingdom of Lydia in the sixth century B.C. is owed a huge debt of gratitude for minting the world’s first coinage, thereby creating in a single stroke the lifeblood of every business: liquidity and cash flow. Moreover, his opulent lifestyle has given entrepreneurs throughout history something to shoot for. Is there a greater distinction for the commercially inclined than to be deemed “as rich as Croesus”?

    2.Pope Sixtus IV. Sixtus gets the nod for realizing that the “wages of sin” meant more than unpleasant repercussions. There was money to be made in damnation, and Sixtus mined it by opening up a new market — the dead — for the indulgences the church had been selling for years. Relatives of the deceased quickly filled the Vatican’s coffers with payments intended to lessen the time their loved ones spent in purgatory. In 1478 Sixtus “grew his market” by authorizing the Spanish Inquisition, which swelled purgatory’s ranks by 100,000 souls in 15 years. He also was the first pope to license brothels.

    3.Benjamin Franklin. In a real sense, Franklin was America’s first entrepreneur. Unlike other of the Founding Fathers — the hypermoral Washington, the prodigiously intellectual Jefferson — whose virtues and attainments are seen today as anachronisms, Franklin truly was a model of what many of us would become. Beneath the statesman’s mantle resided a popular author, a printer, an inventor (the lightning rod, bifocals) and a very savvy businessman who knew how to commercialize the fruits of his fertile mind.

    4. P.T. Barnum. Americans have always loved a good scam and Phineas Taylor Barnum took the art to new heights. He played on our fascination with the bizarre and freakish with sideshow acts ranging from the midget Tom Thumb to Jumbo the giant elephant. In between was a host of more dubious curiosities. He created the Barnum and Bailey Circus as a showcase for all this wonderment, and dubbed it “the Greatest Show on Earth.” Along the way he invented modern advertising and became rich. For the record, he never said “There’s a sucker born every five minutes,” but he left behind plenty of other bon mots. Among them: “Every crowd has a silver lining.”

    5.Thomas Edison. What do you say about the man who gave the world the electric light, the phonograph, talking motion pictures and more than 1,300 other patented inventions? That he was the world’s greatest inventor, certainly. But he was also able to exploit the profit potential in his creations, an entrepreneurial bent that asserted itself when Edison was a teen-ager, printing a newspaper in the baggage car of a rolling train and then selling copies to passengers. His impact on the way people live was and is pervasive. As a combination of inventive genius and entrepreneurial flair, he stands alone.

    6.Henry Ford. Ford also fundamentally changed human lifestyles by making available a vehicle, the Model T, that vastly extended people’s range of movement. The automobile would allow America’s masses to fulfill their Manifest Destiny to populate every corner of the continent. But his more profound impact was on industry. The moving assembly line he designed to build his cars was the signal breakthrough of the Industrial Age. Appropriately, Ford earned the seed capital for his enterprise by working as an engineer at the Edison Illuminating Company in Detroit.

    7.Benjamin Siegel. Known as “Bugsy” to his friends, Siegel was a notorious mobster with a touch of the visionary. Legend has it that he single-handedly invented Las Vegas, and that’s a stretch. But he was the first to see what the town could become: a lush oasis of pleasure where gambling was just one of the attractions. He also proved adept at attracting other people’s money to build his iconic resort, The Flamingo. Trouble was, some of those other people belonged to an outfit called Murder Inc. and Siegel was gunned down in 1947 amid rumors he had stolen from his partners. But give the devil his due: Before there was the Bellagio, there was Bugsy.

    8.Ray Kroc. Nothing says entrepreneur like persistence, and nothings says persistence like Ray Kroc, the kitchen wares salesman who in 1954, at age 52 and in poor health, had his imagination hijacked by a family-run restaurant in the desert outside Los Angeles. Once he had bought out the McDonald brothers, Kroc proceeded to take their concept of a limited menu, fast service and low prices and expand it nationally, in the process creating the fast-food industry and dramatically affecting America’s lifestyle and, sadly, collective health.

    9.H. Ross Perot. Within every entrepreneur lurks a touch of the cowboy, and there’s no better example of the strain than Perot, the diminutive Texan who has become best known in recent years as a political gadfly. Before that, though, he was all business, using a $1,000 loan from his wife in 1962 to launch Electronic Data Systems. Perot’s winning idea was that large corporations and organizations needed data-processing help if they were to take full advantage of computer technology. When in the mid-’60s he won contracts with two new federal health-care programs — Medicare and Medicaid — EDS was off and running and Perot was on his way to being one of America’s richest citizens.

    10.Jobs & Wozniak. Apple Computer’s two Steves weren’t the first Silicon Valley entrepreneurs to launch a billion-dollar business from a Palo Alto garage — Hewlett and Packard were there before them — but they were the first to democratize computing by creating a machine whose use was so wonderfully intuitive that even technophobes embraced it. Combine the elegance of Wozniak’s operating system design with Jobs’ marketing savvy (remember Apple’s “1984” ad?) and the result was a true phenomenon. Yes, the Apple was eclipsed by the PC, but only after Microsoft (behind the vision of two other notable entrepreneurs, Bill Gates and Paul Allen) developed Windows to ape its rival’s ease of use.

    Philipp Harper is a freelance journalist living in south Georgia.





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    We’ve been providing leading free cPanel hosting services with No Ads. All this is made possible by our Paid Dedicated Servers services, including upgrades for those who need more room for growth, as well as donations from our community of users.

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    Forever! We have provided Paid Servers services since 2010 and we have been in free hosting business since 2009.

    What are your guarantees?

    1. Our hosting will always be 100% free!

    2. We own all our servers and locate them in high quality data centers, so no one can shut down or reload any server with your data.

    3. We utilise dedicated connections to ensure we can provide enough bandwidth for all our users.

    Free Domain Name Privacy

    Did you know that whenever a domain name is registered, The Internet Corporation for Assigned Names and Numbers (ICANN) requires your personal information be published in the WHOIS database? This includes your mailing address, phone number and email address!

    With Domain Privacy Protection from OHosti Hosting we will make our information available to the public instead of yours. This can help protect you from potential spammers, telemarketers and even identity thieves. This wouldn’t cost you any thing only $0.00 annually! (Fully Free). Otherwise we would have to use the information we currently have on file for your account.

    Your name will remain as the registrant contact so that you retain complete ownership of the domain.

    You can register a free .com. net. org. tk. ml. ga. cf. gq (including Special Domains).

    Domain Privacy Protection is available with all hosting accounts, including shared hosting, vps hosting, and our dedicated servers.

    Create New Website?

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    FACT CHECK: All Facebook Posts to Be Made Public? #all #your #posts


    #

    All Facebook Posts to Be Made Public?

    EXAMPLES

    Collected via e-mail, June 2016

    All your posts can become public tommorow. Even the messages that have been deleted or the photos not allowed. After all, it does not cost anything for a simple copy and paste.

    Better safe than sorry is right. Channel 13 News was just talking about this change in Facebook s privacy policy. Better safe than sorry.

    I do not give Facebook or any entities associated with Facebook permission to use my pictures, information, messages or posts, both past and future. By this statement, I give notice to Facebook it is strictly forbidden to disclose, copy, distribute, or take any other action against me based on this profile and/or its contents. The content of this profile is private and confidential information. The violation of privacy can be punished by law (UCC 1-308- 1 1 308-103 and the Rome Statute).

    NOTE: Facebook is now a public entity. All members must post a note like this. If you prefer, you can copy and paste this version. If you do not publish a statement at least once it will be tactically allowing the use of your photos, as well as the information contained in the profile status updates. DO NOT SHARE. You MUST copy and paste

    RATING

    ORIGIN

    Messages about protecting your copyright or privacy rights on Facebook by posting a particular legal notice to your Facebook wall are all variants of an item circulated several years ago positing that posting a similar notice on a web site would protect that site s operators from prosecution for piracy. In both cases the claims were erroneous, an expression of the mistaken belief the use of some simple legal talisman — knowing enough to ask the right question or post a pertinent disclaimer — will immunize one from some undesirable legal consequence. The law just doesn t work that way.

    First off, the problem this ineffective solution supposedly addresses is a non-existent one: Facebook isn t claiming copyright to the personal information, photographs, and other material that their users are posting to the social network, nor have they announced any plans that would make all Facebook posts public (even previously deleted ones) regardless of a user s privacy settings):

    In response to rumors about copyright issues that began circulating in November 2012 after Facebook announced they were considering revoking users rights to vote on proposed policy changes, the company issued a statement noting that:

    There is a rumor circulating that Facebook is making a change related to ownership of users information or the content they post to the site. This is false. Anyone who uses Facebook owns and controls the content and information they post, as stated in our terms. They control how that content and information is shared. That is our policy, and it always has been. Click here to learn more: www.facebook.com/policies .

    Similarly, ABC News reported:

    [Users worried that] Facebook will own their photos or other media are posting [a frightful message] — unaware that it is a hoax. Here s the truth: Facebook doesn t own your media.

    We have noticed some statements that suggest otherwise and we wanted to take a moment to remind you of the facts — when you post things like photos to Facebook, we do not own them, Facebook spokesman Andrew Noyes said in a statement. Under our terms you grant Facebook permission to use, distribute, and share the things you post, subject to the terms and applicable privacy settings.

    Brad Shear, a Washington-area attorney and blogger who is an expert on social media, said the message [that Facebook users are posting to their walls is] misleading and not true. He said that when you agree to Facebook s terms of use you provide Facebook a non-exclusive, transferable, royalty-free, worldwide license to use any content you post. You do not need to make any declarations about copyright issues since the law already protects you. The privacy declaration [in this message] is worthless and does not mean anything.

    In any case, Facebook users cannot retroactively negate any of the privacy or copyright terms they agreed to when they signed up for their accounts, nor can they unilaterally alter or contradict any new privacy or copyright terms instituted by Facebook, simply by posting a contrary legal notice on their Facebook walls. Moreover, the fact that Facebook is now a publicly traded company (i.e. a company that has issued stocks which are traded on the open market) or an open capital entity has nothing to do with copyright protection or privacy rights. Any copyright or privacy agreements users of Facebook have entered into with that company prior to its becoming a publicly traded company or changing its policies remain in effect: they are neither diminished nor enhanced by Facebook s public status.

    Before you can use Facebook, you must indicate your acceptance of that social network s legal terms. which includes its privacy policy and its terms and policies. You can neither alter your acceptance of that agreement nor restrict the rights of entities who are not parties to that agreement simply by posting a notice to your Facebook account, citing the Uniform Commercial Code (UCC ), or referencing the Berne Convention. (One of the common legal talismans referenced above is UCC Section 1-308, which has long been popular among conspiracy buffs who incorrectly maintain that citing it above your signature on an instrument will confer upon you the ability to invoke extraordinary legal rights.)

    If you do not agree with Facebook s stated policies, you have several options:

    • Decline to sign up for a Facebook account.
    • Bilaterally negotiate a modified policy with Facebook.
    • Lobby for Facebook to amend its policies through its Facebook Site Governance section.
    • Cancel your Facebook account.

    (Note that in the last case, you may have already ceded some rights which you cannot necessarily reclaim by canceling your account.)

    As techtalk noted of Facebook users current privacy rights:

    The fact is that Facebook members own the intellectual property (IP) that is uploaded to the social network, but depending on their privacy and applications settings, users grant the social network a non-exclusive, transferable, sub-licensable, royalty-free, worldwide license to use any IP content that you post on or in connection with Facebook (IP License).

    Facebook adds, [t]his IP License ends when you delete your IP content or your account unless your content has been shared with others, and they have not deleted it.

    While the social network does not technically own its members content, it has the right to use anything that is not protected with Facebook s privacy and applications settings. For instance, photos, videos and status updates set to public are fair game.


    FirstBank Free Business Checking – Free Checking For All #business #grant

    #free business checking

    #

    FirstBank Free Business Checking

    Earnings credit not available on this account.

    If monthly item volume exceeds 150 transactions, the account becomes eligible for earnings credit and the charges for items will be as follows.

    • Debits – Checks/Paper (ledger): $0.20
    • Debits – Automated Clearing House (ACH): $0.15
    • Credits – Paper (ledger): $0.30
    • Credits – Automated Clearing House (ACH): $0.20
    • Deposited Item: $0.10
    • Negative Average Collected Balance Fees will apply. Refer to the FirstBank Business rate sheet for more information.

    Download our mobile app for Mobile Deposit, FirstGlance, Apple Pay and more.

    Find your dream home.

    Getting pre-qualified is the first step.

    We’re Nearby.

    Find the nearest FirstBank

    Use Current Location

    • Unable to find your current location. Please enter an Address, City State or Zip below.




    The 100 Best Business Books of All Time – In The Books

    #business books

    #

    The 100 Best Business Books of All Time


    Thousands of business books are published every year Here are the best of the best. Now updated, with more than ten new books reviewed.

    The 100 Best Business Books of All Time was written by two former leaders of 800-CEO-READ, Jack Covert and Todd Sattersten, with its current leader, Sally Haldorson. Originally published in 2009, The 100 Best is a guide to essential business reading for leaders, managers, and employees alike. If you want to grow, innovate, sell, lead, discover, and strategize, the books in The 100 Best are the ones to help you achieve your goals.

    ABOUT THE 100 BEST

    After years of reading, evaluating, and selling business books, 800-CEO-READ is the most respected expert on the category. Now they have chosen the 100 best business titles of all time the ones that deliver the biggest payoff for today’s busy readers.

    The 100 Best puts each book in context, so that readers can quickly find solutions to the problems they face, such as how best to spend The First 90 Days in a new job or how to take their company from Good to Great. Many of the choices are surprising you ll find reviews of Moneyball and Orbiting the Giant Hairball. but not Jack Welch s memoir.

    At the end of each review, Jack and Todd direct readers to other books both inside and outside The 100 Best. And sprinkled throughout are sidebars taking the reader beyond business books, suggesting movies, novels, and even children’s books that offer equally relevant insights.

    This book will appeal to anyone, from entry-level to CEO, who wants to cut through the clutter and discover the brilliant books that are truly worth their investment of time and money.

    Get a feel for the book. Get a feel for the book. Start with the introduction (download the PDF ). Then check out a review from both of us: with a review from both Jack and Todd:

    And to get a feel for the layout of the book, check out the book’s “lost” chapter, which contains a collection of Industry book reviews. (Download the PDF )

    ABOUT THE AUTHORS

    Now retired, Jack Covert is the founder of and former president of 800-CEO-READ. now an independent company, but longtime partner of the Harry W. Schwartz Bookshops. Hired twenty-five years ago by the late David Schwartz to promote business and computer books to the Milwaukee business community, Jack used his considerable sales skills and innate business acumen to grow that 3-shelf business section into a 7 million dollar specialty business book retailer.

    Todd Sattersten currently runs BizBookLab. a company that identifies, develops, and launches business books around the world from Portland, Oregon. Previously, he was president of 800-CEO-READ, spent six years at GE, and three years working with his father in the family sheet metal fabrication business. Todd received his BS in mechanical engineering from Michigan Technological University and his MBA from Marquette University.

    Sally Haldorson is the General Manager of 800-CEO-READ and has worked for the company in many different roles for twenty years. She has an M.A. in English and Creative Writing, and lives in Milwaukee, WI with her husband and son.

    THE CHAPTERS OF THE 100 BEST





    How to Monitor Network Traffic: 7 Steps (with Pictures) #how #to #monitor


    #

    How to Monitor Network Traffic

    Monitoring network traffic is not only for large businesses; it is something smaller networks can do as well. Monitoring your small business’s or family’s network traffic has a lot of benefits and can reveal surprising results. It’s best to have a basic understanding of networks and protocols before you begin to monitor your network traffic.

    Steps Edit

    Download the program Wireshark, formerly Ethereal, at http://www.wireshark.org/. This is the most popular program used by networking professionals around the world. You can even be certified as an Official Wireshark Certified Network Analyst.

    Install the Wireshark and WinPcap. WinPcap is used to help capture network packets.

    Open Wireshark. Click the “Capture” menu, then click “Interfaces.” A small window with all of your networking interfaces will appear. If you use any network traffic, you will start to see packets coming in.

    Click the “Start” button to start recording network traffic.

    Stop monitoring traffic. Go to the “Capture” menu again and then click “Stop.” Stopping the traffic will allow you to analyze it better. However, you can let the program continue monitoring traffic while you go through the packets.

    Examine each packet’s information. Each line represents a packet, and there are 6 columns that provide information about it.

    • The number column shows the order of the packet when you start recording network traffic. This is to provide you with number reference so you that you can easily identify particular packet.
    • The time is the time in seconds, up to 6 decimals, when the packet was received after you started to record network traffic.
    • The source includes the Internet Protocol (IP) address of the packet’s origin.
    • The destination IP records where a particular packet is going.
    • The protocol the packet uses. The most common are TCP, UDP and HTTP.
    • Info includes what’s going on with the packet, whether it’s a continuation of traffic or an acknowledgment that a packet was received.

    Analyze the list of packets. You can monitor many different things with WireShark.

    • Check to see if there are any unwanted packets being sent or received from your computer. These could include someone you don’t want on the network or even a program that shouldn’t be using network traffic.
    • Monitor how often a program uses your network. For example, how often does a Windows Update check for updates?
    • Find out what program is taking up all of your network traffic and bogging down the network.

    How to Find the MAC Address of Your Computer

    How to Find Your IP Address on a Mac

    How to Connect Two Routers

    How to Set Up Port Forwarding on a Router

    How to Connect One Router to Another to Expand a Network

    How to Find the IP Address of Your PC

    How to Connect Two Computers

    How to Maximize the Speed of Your Internet Connection

    How to Flush DNS

    How to Block Your IP Address


    All About Cash Flow #buy #a #business

    #business plan outline

    #

    All About Cash Flow

    While we are trained to think of business as sales minus costs and expenses, which is profits, we have to manage cash as well.

    Although cash is critical, people think in profits instead of cash. We all do. When you imagine a new business, you think of what it would cost to make the product, what you could sell it for, and what the profits per unit might be. We are trained to think of business as sales minus costs and expenses, which is profits. Unfortunately, we don t spend the profits in a business. We spend cash. Profitable companies go broke because they had all their money tied up in assets and couldn t pay their expenses. Working capital is critical to business health. Unfortunately, we don t see the cash implications as clearly as we should, which is one of the best reasons for proper business planning. We have to manage cash, as well as profits.

    A simple example
    One of the best ways to understand the dilemma of cash vs. profits is to follow an otherwise-profitable company going broke because it can t meet its obligations. This is a quick and simple example. It also leads us into the relationship between income statement, balance sheet, and cash.

    Start with $100, which we ll call capital. At the beginning of this exercise, your balance sheet has assets of $100—the money—and capital of $100. Assets are equal to capital plus liabilities. A summary of the simple financial statement at this point is shown in this first illustration, Starting Numbers.

    If you buy a widget for $100 and sell it for $150, you should end up with $50 profit, which is what your income statement covers. Sales minus costs are profit. You should have $150 in the bank. Now your balance sheet shows the same $100 in original capital plus $50 in earnings, which are equal to the $150 you have in cash as an asset. The next illustration shows you how the financials work after the sale.

    Buy another widget for $100 and sell it again for $150, and now you have $200 in the bank. Do it again, you have $250 in the bank. Your income statement shows sales of $450, cost of sales of $300, and profit of $150. The illustration shows your income statement and balance sheet at this point.

    Adding some realism
    Now go back a step and make the situation more realistic. For example, most sales of products to businesses go on terms, with the money due in 30 days. So if you sold that widget on credit you don t have $150 in the bank. You still have $50 in your bottom line, but now you have nothing in the bank. Instead, a customer owes you $150, which is what we call “Accounts Receivable.” Compare the Sell a Widget illustration to this next illustration, Selling on Terms. This is what really happens to the huge number of businesses that sell to other businesses.

    Knowing you can buy a widget for $100 and sell it for $150, you get your Widget supplier to sell to you on the same terms you sell, net 30, instead of for cash. Now you have $100 that you owe to suppliers, which is called “Accounts Payable.” You also have $100 worth of widget in inventory. This gives you the case in the following illustration, Buying on Terms, in which you are now poised to sell another widget and make more profit.

    You have an extra $100 in assets (the widget in inventory) and an extra $100 as liabilities (Accounts Payable), so you are still in balance. Also, you still have no money. Our next illustration shows the financial picture with sales to businesses on credit and purchase of inventory on credit as a short-term debt.

    Now the case is more like what you have with real business numbers, in which you have to manage your cash very carefully, and the amounts sitting in inventory and accounts receivable are significant.

    More realism: working capital
    Even in the case of the above illustration, the example is completely unrealistic. Where are the running expenses, such as rent, salaries, telephones, or even advertising those widgets? How would they affect the cash situation? How far would we get if we couldn t pay the rent or the telephone bill while waiting for customers to pay us? Furthermore, what supplier would give us a widget on credit when we have no history and no assets? What bank would loan us money in this situation? Banks do loan against inventory and receivables, but only to a certain percentage of total value. What was missing here, all along, was working capital.

    Important: In strict accounting terms, working capital is equal to short-term assets minus short-term liabilities. In real terms, however, working capital is the glue that holds your cash flow together. Get it into the bank before you need it, or you won t survive the unexpected.

    The following illustration goes back to the beginning of this whole example and does it right, with enough capital in the beginning to finance the company.

    Instead of starting with $100 as capital, this business looks a lot better with starting capital of $400. With this additional capital from the start, buying on credit and borrowing against assets is more realistic. In this scenario, working capital is up to $550. Now it has a proper input of working capital at the beginning. With even the barest of business plans, we could tell that $100 wasn t enough to get this business going.

    I hope the theoretical examples help make the concepts clear. If you followed these illustrations, you can see some enormous implications for running a business.

    Important: Every dollar in accounts receivable means a dollar less in cash. Every dollar of inventory is a dollar less in cash. Every dollar of accounts payable is a dollar more in cash.

    How LivePlan makes your business more successful

    If you re writing a business plan you’re in luck. Online business planning software makes it easier than ever before to put together a business plan for your business.

    As you ll see in a moment LivePlan is more than just business plan software though. It s a knowledgable guide combined with a professional designer coupled with a financial wizard. It ll help you get over the three most common business hurdles with ease.

    Let s take a look at those common hurdles and see how producing a top notch business plan sets your business up for success.





    TrimTrac Pro Real Time GPS Tracker – Battery Operated Covert Tracking Device


    #

    TrimTrac Pro Real Time GPS Tracker – Battery Operated Covert Tracking Device

    The Trim Trac Pro Real Time GPS Tracker Is The Professional’s Choice in Battery Powered Covert Tracking Devices

    The Trim Trac Pro is one of the most reliable, easy to use covert tracking devices on the market today!

    Completely Self Contained And Low Cost Real Time GPS Tracker
    Simply, place the Trim Trac in or on the vehicle you wish to track, go to the website from any internet capable computer or cell phone and view a detailed map with tracking information. Web Access Plans are economical and flexible.

    Your Trim Trac Pro will be fully operational the day you sign up. There is no complicated wiring or GPS Antenna mounting to worry about.

    Installation is quick and easy.
    This tracking device can be placed inside the vehicle under the seat, inside a glove compartment,or numerous other locations. To place the Trim Trac GPS Tracker on the outside of a vehicle or attach it to a metal surface, you can purchase the optional magnetic clip.

    Once the Trim Trac Pro is placed in the vehicle simply go to the website from any internet capable computer and a detailed map with tracking information appears showing you time, speed of vehicle, street address and last stop.

    The Trim Trac Pro is very small and is powered by 4 standard “AA” batteries (Not Included). The batteries will power the unit for up to 3 months in Stand by mode or 30 days with standard use of 1-2 hours of driving per day.

    **Live Remote Access From Your Computer Or Smart Phone**

    • Secure online access 24 hours a day for no extra charge
    • Best available mapping:
      Up-to-date street level Maps
      Satellite Maps of the whole world
      Aerial Zoom Photos (Metro Areas)
    • Email Text message Alerts
    • Upon entry or exit from any user defined zone
    • Speeding over what ever speed you define
    • Low Power
    • Motion Detection
    • Print full reports on your T-Trac Activity including speed, direction and battery level anytime.
    • Street Address Level Reporting
    • Manage an entire Fleet or a single Unit
    • Size: 5 3/4″ x 3″ x 1 1/4″

    You do not need to pick a web access plan until you get the unit and are ready to activate it.

    After you get your unit you will activate the unit online and choose one of the below monthly plans.

    The Trim Trac Pro will come with instructions to activate the tracker. When choosing a plan consider how often you would like the tracker to report its location to the online “control panel”. Example: If you choose the 5 minute plan the Trim Trac Pro will report its location every 5 minutes when in motion. You can activate your device right from our Eye Spy Supply Activation Page. Not only will you not have to search around for someone to carry your service, you will receive a 5% discount on all future orders from Eye Spy Supply! Call our sales department to find out more details

    • 45 second � $49.95
    • 2 Minute � $39.95
    • 5 Minute � $34.95
    • 10 Minute � $29.95
    • 15 Minute � $24.95

    Activation: $59.95 (same day takes about 3 hours)

    Click the link below to demo the service plans.

    More Features Specifications:

    • Upgraded internal modem Real-Time Pro will work anywhere in North America where there is GSM coverage: Cingular, T-Mobile, Fido and Rogers.
    • Real-Time Pro is the only provider in North America that allows units to roam freely on any network without roaming charges.
    • The Real-Time Pro has improved firmware: no more resets required!
    • New and more efficient internal antenna
    • User can Turn modem on and off
    • Best rates for locates
    • Fully automated internet activation client does not have to do anything else than put the batteries in and put there payment into the system, no calls for setup no hassles.
    • Users can set up a speed limit; if speed is exceeded alerts can be sent to emails addresses and cell phones great feature for those new teenage drivers.
    • Users can set up a perimeter (geofence) on a device this will mean less necessary communication while still having protection.
    • Hours of Operation: set times when locates are not necessary
    • Best tracking Application
    • Easily switch from regular mapping to satellite mapping
    • Online satellite maps with �Birds Eye View�
    • All information in one screen
    • Device controls online
    • Notification flexibility for a multitude of events, geofence, battery level etc.
    • Export function to Microsoft Excel or KML with Google Earth
    • Online availability/uptime that cannot be beat!!
    • Online chat for immediate issues, manned 16 hours a day
    • Customer can access an online knowledge base where any user can find answers to 90% of all the cases


    When purchasing the magnetic clip the Trim Trac Pro can be magnetically attached to a metal surface. The GPS device simply snaps into the bracket and then can be quickly and easily placed in position on the object you want to track.

    The casing for the Trim Trac Pro is weatherproof, not waterproof. If you are placing the tracking device in a location that may get wet it is recommended to put it into a plastic bag before mounting it.

    How The TrimTrac Pro Tracking Device Works.

    The TrimTrac Pro GPS tracker can be placed on or in a vehicle or asset that you want to track.

    When you want to see where the tracker is you simply log onto the website provided using an internet enabled device including a computer, smart phone, tablet etc..

    You will also be able to see the historical data. This shows you exactly where the tracker (vehicle / asset) has been and for how long.

    You can also set up geo-fence alerts which will notify you by text message or email whenever the tracker enters or leaves a zone that you specify.

    This is a very handy feature if you want to know when someone is leaving work, or enters a particular area you are suspicious of.

    If you need to mount it under a car, consider picking up the optional magnetic mount.


    Start an ATM Business – All Around ATM – Credit Card Processing

    #atm machine business

    #

    Just a few of the reasons to start your own ATM business with All Around ATM

    We pay you 100% of the Surcharge
    Own a franchise with no franchise fees
    Each placement brings more income
    A suprisingly small portfolio of ATMs can generate incredible revenue
    ATMs offer you a reliable source of constant income
    Manage your ATM Company from your home
    Access all ATM information on line
    Most of our start ups earn their entire investment back inside of 6 months then earn profits for years and years
    Each ATM placement is win-win. You make the surcharge revenue and the merchant where
    you place the ATM makes more in new cash spending

    We have the best start up ATM program in the country
    Low cost to start up
    Work less hours and still build income
    Live an unbelievable lifestyle
    We sell all of our machines at cost! Which means more money in your pocket.

    Why would I want an ATM
    business?

    Do you want a business that can net well over $100,000 a year, which requires less than an hour a month of your time? I can guarantee you answered yes! With an ATM business, you need no employees or a storefront. It requires a very low start up cost. Your
    investment into the ATM machine can be paid back in less than six months. You
    can manage your ATM business from home at your own schedule. You may only have
    to go to the location of the ATM machine once or twice a month depending on
    usage and amount of money stocked in the machine! You can also own an ATM
    business, while still working a part-time or full-time job since it requires so
    little time!

    How do I start my own ATM business?

    The ATM business is a very profitable and easy business to get into! Your first and most important step is to find the locations to place the machine. Many people ask, do I have
    to own the business to place an ATM machine there? You do not! All you have to
    do is approach the business owner and see if they re interested in having an ATM
    machine inside their business. Some reasons why a business owner would like a
    machine in their business is to lower their credit card costs, see more cash
    being spent, as well as to attract customers into their business just by having
    an ATM machine on premises. They have no responsibly of the ATM, yet get to
    reap all of the benefits! With credit card costs being so high, most business
    owners would rather see cash being spent. By having an ATM machine on premises,
    they will see cash being spent rather than having to take plastic! Therefore,
    they will see lower credit card costs and more cash spending! Once you find the
    location on where to place the ATM machine, you purchase the machine. All
    Around ATM will come out, install the machine, program it, and train you on how
    to work the ATM. You are responsible for stocking your cash inside the ATM
    machine, and you keep 100% of all the surcharge revenue profits. You get to
    select your surcharge amount. You get to select what you d like displayed on
    the screen, as well as what you d like to print on the receipt. You can use
    this as an advertisement for your ATM company, or you can advertise the
    business that the ATM is placed in. You can even sell this advertisement space!
    All Around ATM will set you up with a website where you can monitor your ATM,
    so you can see exactly what is happening on your machine IN REAL TIME! As soon
    as the machine is installed, you start making money! You can make well over
    $100,000 a year on 10 machines. These machines require very little time. On
    average, depending on how many times a month you fill the machine, you only
    will be spending about 10 minutes in total at the machine. It takes as little
    as three minutes to load the machine with cash. It s all very simple, and you
    can be making more money working a few hours a year, than most people making
    working full time!

    What are my start up costs for getting into the ATM business?

    You can get started into the ATM business for a very low cost. For as little as $1,599, you can purchase your first machine. You can stock the machine with as little as $500 or as much
    as $16,000+. Most customers stock their ATM machines with between $1,000-3,000.
    Therefore, you can get started with your first ATM machine for under $3,000.
    THERE ARE NO FRANCHISE FEES! You can pay off your ATM machine in the first
    three months or less, and everything from then on is a profit. ATM machines can
    last as long as 7-8 years or more, allowing you to be collecting money off of
    the ATM for many years. At All Around ATM we suggest you start with one or two
    machines, and build your ATM business up from there. You can gain a good
    understanding of the ATM machines and how they work, and then expand your
    business! We have many customers who started with only one ATM machine, and now
    have well over 100 machines out in the field!

    What types of locations do well with an ATM machine and do you find the location?

    All different types of locations do well with an ATM machine, but the most important thing comes down to volume! Businesses that often do well with ATM machines are con stores,
    restaurants, night clubs, bars, malls, etc. However, the main thing to look at
    when trying to find a good location to place the ATM machine is the amount of
    people walking into the business daily. Any type of business that is busy will
    do well with an ATM machine. The more people walking through a business, the
    more usage the ATM machine will get. As far as the location, you are responsible
    for finding it. However, we do have a unique program at All Around ATM. We get
    tons of inquires a day for businesses looking for a free placement of an ATM
    machine. Often times, the business doesn t qualify for a free placement of the
    ATM because the location is out of our service area and the armored carrier
    costs are just too high. What we do is we match you up with any business
    inquires in your area, allowing you to decide if you want to place an ATM
    machine inside their location! We always will pass long these free placements to
    you, all FREE OF COST! At All Around ATM, we re always looking to help out our
    customers and give them new locations.

    Contact us now to start living your dreams!!





    The Other Driver Doesn – t Have Car Insurance #all #states #car


    #

    The Other Driver Doesn t Have Car Insurance. Now What?

    Car accidents happen. If you have the misfortune of being involved in a crash, it can sometimes be a small comfort to know that car insurance coverage — your own or the other driver s — will probably kick in and help pay for medical treatment and vehicle damage. In some cases, however, the other driver may not have any (or enough) car insurance, or in the case of a hit-and-run accident, you may not be able to identify the other driver at all. This article addresses your options in those cases.

    Uninsured and Underinsured Motorist Coverage

    If you are involved in an accident with a driver who does not have any car insurance at all, you will likely have to turn to your own insurance company to cover your damages, assuming you are properly insured. Uninsured motorist coverage is additional coverage that you can purchase from your insurance company. UIM coverage protects you when you are involved in an accident with a driver who does not have car insurance and who is found to be at fault for the accident.

    UIM coverage is only required in a handful of states, while insurance companies are required to offer it to customers in most states. Uninsured motorist coverage usually may not exceed the amount of your standard liability coverage. So, if you ve got $75,000 in total liability coverage per accident, you can t typically carry more than $75,000 in uninsured motorist coverage.

    Despite the fact that car insurance is mandatory for registered vehicles in operation in most states, the fact is that there are many drivers who drive without insurance, and the best way to protect yourself is making sure you have plenty of UIM coverage..

    Similar to uninsured motorist coverage, underinsured motorist coverage will pay for damages sustained in an accident with a driver who has a car insurance policy in place, but not enough coverage to pay for your injuries, vehicle damage, and other losses stemming from the accident. Your underinsured motorist coverage (which is not required in most states, but is always available as optional coverage) kicks in and helps cover the difference between the other driver s coverage and the total amount of your losses.

    Most insurance companies limit the amount of time policyholders have to make uninsured motorist and underinsured motorist claims (often it s as few as 30 days from the date of the accident). So, you want to get the ball rolling immediately after you learn that the other driver has no (or not enough) insurance.

    Collision Coverage

    Collision coverage may also be added to your insurance policy at an extra cost. Collision coverage will pay to repair damages to your vehicle sustained in an accident with an at-fault uninsured driver, or a hit-and-run driver. But keep in mind that collision coverage won t apply to your injuries, just the cost of getting your car fixed (up to the limits of your coverage).

    Filing a Lawsuit

    If you are involved in an accident with an uninsured driver, you may have the option to file a lawsuit against the other driver, depending on whether you live in a no-fault or traditional negligence state. If you live in a no-fault car insurance state, filing a lawsuit may not be an option. In no-fault states, each driver or his insurance is responsible for his own injuries or damages, regardless of who was at fault for the accident. Your ability to sue in no-fault states is restricted — you typically can t sue the other driver unless you suffered serious injuries and/or incurred medical bills over a certain amount.

    If you live in a traditional negligence state, you may file a lawsuit against the uninsured driver. But even if you are successful in proving that the other driver was at fault for the accident, and you obtain a judgment against them, there is no guarantee that you will actually be able to collect anything. Many people who are uninsured or underinsured do not have much in the way of money or assets, so trying to collect on the judgment could be a losing battle.

    First Things First

    If you ve been involved in a car accident with an uninsured (or underinsured) driver, your best course of action is to report the accident to your car insurance company and find out how your coverage applies. If you ve suffered serious injuries that won t be covered by adequate insurance, it may be time to talk to an experienced car accident attorney about your options. Learn more about How an Attorney Can Help With a Car Accident Claim .

    Get the compensation you deserve.


    Revolution ehr pms #all #news,benefits,features,pricing,partners,practices,events,brochure,meaningful #use #checklist,technical #specs,white #papers,sales #inquiries,customer #support,careers, #coupons,


    #

    REVOLUTIONEHR.COM

    RevolutionEHR is the leading provider of cloud-based practice management and EHR software for optometrists.

    I LOVE having a Web based system. . Phil Rainey, OD, Boise, ID. You guys are a rare breed with your extreme customer-satisfaction methodology. . Jeff Klosterman, OD, Harrodsburg, KY. Everyone at RevolutionEHR has been fantastic and I could not be more pleased. . Andrew Paik, OD, Chicago, IL. RevolutionEHR Announces Optovue Integration. RevolutionEHR Announces Integration with ClinicAid for Claims Submission. RevolutionEHR Poised for Substantial Growth Initiatives after Significant Financial Investment.

    KEYWORDS ON PAGE

    RevolutionEHR is the leading provider of cloud-based practice management and EHR software for optometrists.

    INTERNAL PAGES

    RevolutionEHR | Leading Cloud Based EHR for Optometry | Webinars

    You’re not alone. So many doctors are in search of a better EHR/PMS for their practice. Join your colleagues to explore what makes RevolutionEHR unique and, dare we say, the best option in the sea of EHR and PMS software solutions. Learn why so many doctors choose RevolutionEHR and never look back. We’ll be taking a deeper look at the electronic health record and answering any questions you may have. Wednesday, September 28th at 8:00 pm CDT. Introduction to RevolutionEHR (Canada). The ABC s of ICD-10.

    RevolutionEHR | Leading Cloud Based EHR for Optometry | Vanessa

    Register to watch a series of short videos that show how RevolutionEHR frees you to focus on what you do best – caring for patients. RevolutionEHR Announces Integration with Essilor Visioffice and m’eyeFit Mirror Systems. RevolutionEHR Announces Optovue Integration. RevolutionEHR Announces Integration with ClinicAid for Claims Submission. Dr Scott Jens Blog.

    RevolutionEHR | Leading Cloud Based EHR for Optometry | Spend More Time With Your Patients

    Spend More Time With Your Patients. As a professional, you’re in the business of caring for your patients. That’s why you went into optometry. Focus on Your Patients. You didn’t become an optometrist to spend your day fighting with computer systems and searching for paperwork. You made the choice to be a doctor so you could care for patients. We’re different from all the other vendors. Our solution is online. It frees you and your staff to do what you do best – focus on patient care. Dr Scott Jens Blog.

    RevolutionEHR | Leading Cloud Based EHR for Optometry | RevolutionEHR Announces Optovue Integration

    RevolutionEHR Announces Optovue Integration. Cloud-Based Integration Results in Streamlined Workflow and Efficiency with Entering Patient Demographic Information. Madison, WI) March 3, 2015. The leading provider of cloud-based practice management and electronic health record software for the optometric community, is pleased to announce integration with Optovue for streamlined workflow and increased efficiency with entering patient demographic information. Customer success is a top priority for us at Opto.

    RevolutionEHR | Leading Cloud Based EHR for Optometry | Partners

    We integrate the services of our partners to bring you the only web-based complete practice solution. RevolutionEHR has partnered with RxNT to develop a seamless integration which allows optometrists to easily e-prescribe from RevolutionEHR. RxNT is the only stand-alone e-prescribing solution to achieve platinum partner status with Surescipts. More than 250,000 providers trust TriZetto Provider Solutions advanced eligibility, claims management, reimbursement and analytics tools to maximize revenue, simpl.

    RevolutionEHR | Leading Cloud Based EHR for Optometry | News

    RevolutionEHR Announces Integration with Essilor Visioffice and m’eyeFit Mirror Systems. RevolutionEHR Announces Optovue Integration. RevolutionEHR Announces Integration with ClinicAid for Claims Submission. RevolutionEHR Poised for Substantial Growth Initiatives after Significant Financial Investment. Adopting EHR Sooner Rather Than Later. Patient EHR Portals: Strategies to Meet Mandated Patient Use Levels. Trying to Make Heads or Tails out of Meaningful Use? My MU Aha Moment. RevolutionEHR Announces Cl.

    RevolutionEHR | Leading Cloud Based EHR for Optometry | Give Your Patients Access to Their Records

    Give Your Patients Access. RevolutionPHR, our secure online personal health record for your patients, provides direct interconnectivity between you and your patients. Increase Your Patient Engagement. Save Time for Your Patients. Patient interview data entered into RevolutionPHR is imported directly into an active encounter within RevolutionEHR for that patient. You have all of their information at your fingertips. More Time With Patients. Experienced U.S. Based Support. Access Data From Anywhere. Revolu.

    RevolutionEHR | Leading Cloud Based EHR for Optometry | Features

    RevolutionEHR is not only the leading cloud-based EHR for optometry, RevolutionEHR is also a complete practice management solution. Check out our feature lists. Simple yet flexible data entry. Access to historical exam data. Pull forward previous test results. Customized care plan library. Documents and images management. Letter creation from exam results. Integrated optical Rx creation. Customizable CPT triggers no superbills. Seamless ePrescribing – no double entry. Product / Service catalog. Dr Scott.

    RevolutionEHR | Leading Cloud Based EHR for Optometry | Customer Testimonials

    RevolutionEHR is a true partner in continual improvement and delivery of eye care service excellence, not to mention one of the coolest and smartest bunch of people to be around. Deborah Bosner, Columbus, OH. By the way, my staff has been going through the training process with Kathrene. She is a GREAT trainer! She has a lot of patience. Donald Yee, OD, Sacramento, CA. It was definitely worth the move! Cheryl Roers Ott, OD, Kiel, WI. Thank you and your whole team! I am a billboard for your software.

    RevolutionEHR | Leading Cloud Based EHR for Optometry | Customer Testimonials

    RevolutionEHR is a true partner in continual improvement and delivery of eye care service excellence, not to mention one of the coolest and smartest bunch of people to be around. Deborah Bosner, Columbus, OH. By the way, my staff has been going through the training process with Kathrene. She is a GREAT trainer! She has a lot of patience. Donald Yee, OD, Sacramento, CA. It was definitely worth the move! Cheryl Roers Ott, OD, Kiel, WI. Thank you and your whole team! I am a billboard for your software.

    JavaScript content must be enabled in order to access RevolutionEHR. Please enable JavaScript and reload this page. It appears you may be using an old browser. Please click here to see the list of supported browsers and how to update yours. It appears your browser does not have flash player installed. Click here to download the latest version.

    JavaScript content must be enabled in order to access RevolutionEHR. Please enable JavaScript and reload this page. It appears you may be using an old browser. Please click here to see the list of supported browsers and how to update yours. It appears your browser does not have flash player installed. Click here to download the latest version.

    JavaScript content must be enabled in order to access RevolutionEHR. Please enable JavaScript and reload this page. It appears you may be using an old browser. Please click here to see the list of supported browsers and how to update yours. It appears your browser does not have flash player installed. Click here to download the latest version.

    JavaScript content must be enabled in order to access RevolutionEHR. Please enable JavaScript and reload this page. It appears you may be using an old browser. Please click here to see the list of supported browsers and how to update yours. It appears your browser does not have flash player installed. Click here to download the latest version.

    LINKS TO THIS SITE

    WEB RESULTS


    FirstBank Free Business Checking – Free Checking For All #low #cost #business

    #free business checking

    #

    FirstBank Free Business Checking

    Earnings credit not available on this account.

    If monthly item volume exceeds 150 transactions, the account becomes eligible for earnings credit and the charges for items will be as follows.

    • Debits – Checks/Paper (ledger): $0.20
    • Debits – Automated Clearing House (ACH): $0.15
    • Credits – Paper (ledger): $0.30
    • Credits – Automated Clearing House (ACH): $0.20
    • Deposited Item: $0.10
    • Negative Average Collected Balance Fees will apply. Refer to the FirstBank Business rate sheet for more information.

    Download our mobile app for Mobile Deposit, FirstGlance, Apple Pay and more.

    Find your dream home.

    Getting pre-qualified is the first step.

    We’re Nearby.

    Find the nearest FirstBank

    Use Current Location

    • Unable to find your current location. Please enter an Address, City State or Zip below.




    All Business Directory – Referring Sites #business #attire

    #business list

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    Rubl: Online Card and Board Games
    Category: Internet & WWW
    Online tournaments in gin-rummy, cribbage, and other games. Play for money prizes or for free against other people worldwide.
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    Sydney Marriage Celebrant: Lynette Gordon
    Category: Weddings
    Marriage Celebrant, Lynette Gordon conducts and creates wedding ceremonies, commitments and other occasions in Sydney, New South Wales, Australia.
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    CorNu Enterprises
    Category: Business Coaching & Consulting
    Practical business management educational products. The materials are designed for self-paced learning. They are organized in bite sized chunks so busy people can absorb the information and apply the ideas immediately.
    More Info – www.cornubused.com

    Icon Disposable Gloves Plus
    Category: Safety Products
    Our mission is to provide small businesses and individuals with the best brand name safety supplies at prices that were previously only available to large companies.
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    Sterling Wine Online
    Category: Online Gifts
    We are dedicated to providing the highest quality wine accessories, wine decor and wine gift items at competitive prices
    More Info – www.sterlingwineonline.com

    Lake Macquarie Dermatology
    Category: Skin Care Products
    Based in Toronto NSW Australia, we provide expert care for all skin related problems, as well as professional advice on maintaining and improving skin health and appearance. Our website will provide you with information regarding our practice.
    More Info – www.lakemacquariedermatology.com.au

    Heart2Heart Ceremonies: Marriage Celebrant
    Category: Weddings
    For your wedding ceremony on the Gold Coast Queensland, choose Marlee for unique and personalised ceremonies as your authorised marriage celebrant.
    More Info – www.heart2heartceremonies.com

    Direct Eyewear: Prescription Sunglasses
    Category: Eyewear
    Online provider of discount eyeglasses, reading glasses and prescription sunglasses. Our aim is to provide a quality product at an affordable price. Our prices are significantly lower than those of a retail shop because we charge a lower mark-up.
    More Info – www.directeyewear.com.au

    Rod Holder Depot
    Category: Sports Retailers
    Providing the top of the line quality rod holders and stainless steel marine hardware. Our mission is to make your on-line shopping as easy as possible and to provide top quality products and service every day.
    More Info – www.rodholderdepot.com

    Villa Ixtapa: Vacation Rentals in Ixtapa, Mexico
    Category: Vacation Rental Properties
    Vacation rental house for rent by owner on the Mexican Riviera, Pacific coast of Mexico, north of Zihuatanejo. Property with 3 bedrooms, 4 1/2 baths, sleeps 6. Private swimming pool. Daily rates and yearly lease available.
    More Info – www.villaixtapa.com

    Cyn’s Home Business: Ideas & Opportunities
    Category: Home Based Business
    Generate internet income with legitimate Online home business opportunities, turnkey internet business, Free home business tips.
    More Info – www.cyns-home-biz.com

    Alma Vista Stud: P.R.E. Spanish Horses
    Category: Horses
    Alma Vista Stud breeds on request and sells champion purebred Spanish P.R.E. – Pura Raza Espa�ola horses for breeding and riding.
    More Info – www.almavistapre.com.au

    Top Website Tips
    Category: Web Design & Development
    Providing the top tips for improving your website and tools to help you promote your website. Directory, article and press release lists to add free back links to your site.
    More Info – www.topwebsitetips.com

    EON Systems Inc
    Category: Software
    EON Systems billing, scheduling, practice management and EHR software makes managing your practice easy. Best with chiropractic, physical therapy and multi-disciplinary practices.
    More Info – www.eonsystems.net

    SteveConstable: Chicago Web Company
    Category: Web Designers
    Chicago web company that offers clients in Chicago web company services at an affordable rate.
    More Info – www.steveconstable.com

    Epis: Full service Investigaition, All Surveillance
    Category: Investigation Services
    Full service private investigation company specializing in Worker�s Compensation, Liability, Surveillance, Pre-employment backgrounds, including Personnel Issues, such as time card fraud, theft, substance abuse, and sexual harassment.
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    Fusion Pearl: Exotic Pearl Jewelry
    Category: Jewelry
    Handcrafted pearl jewelry featuring Tahitian pearls, south sea pearls, akoy, abalone blue, and freshwater pearls embellished with precious metals and gems.
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    Moore Lifestyles: Best Health & Wellbeing
    Category: Health & Beauty Care
    We have endeavored through our knowledge and resources to share with you what we have determined to be the most realistic and effective ways to achieve a wellness.
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    Cedar Creek Treasures Online
    Category: Gifts
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    EAI SIM Solutions
    Category: Software
    EAI SIM Solutions implement flexible and extensible Enterprise Application Integration solutions. We use open standard middleware technology for Identity and Access Management, enhancing internal security and accountability throughout the enterprise.
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    BusinessSeek.biz Business Directory
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    Find companies, products and services on this comprehensive categorized business to business directory. Offers free and paid submission services to the business sector. Allows the addition of extensive business information on all directory entries.
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    Football Boots Online: Sportswear
    Category: Sports
    Sportswear portal, the place where you can source big name products at reasonable prices. Find quality, world-class goods such as Nike Vapour football boots and Reebok football boots. So bookmark this site.
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    Business Credit Cards – All The Best Company Credit Cards #import #export

    #business credit

    #

    MoneySuperMarket.com

    Promoted Navigation

    Primary Navigation

    Compare business credit cards

    Credit cards for business use feature a host of benefits including travel insurance, cashback, free additional cardholders, 0% on purchases and itemised billing.

    Business credit card guide

    What is a business credit card?

    A business credit card is simply a credit card that is issued to a limited company or sole trader, as opposed to an individual consumer. It can be used as a way of facilitating staff spending, helping cash flow or even to temporarily finance operations.

    How do business credit cards work?

    Business credit cards work much like conventional credit cards in that borrowers will be given a credit limit and the balance can be paid off over time, subject to a minimum amount being paid each month.

    You can also choose how many credit cards you want on your account depending how many staff you have or how many staff members you want to issue a card to.

    Just like a personal credit card, a better business credit score will usually net you a better interest rate or other benefits such as interest-free periods, reward points or cashback.

    But it s worth noting that business credit card providers may also check your personal credit score which can also affect the outcome of any applications.

    What types of business credit card are available?

    As with personal credit cards, there are numerous types of business credit card available, each with different perks and interest rates.

    For example, there are cards available with interest-free periods on purchases, which are a great way to manage cash flow if money is tight; while cards that offer rewards points or cashback are ideal you use it regularly.

    Remember though, for a cashback deal to be worthwhile, you must ensure that you pay the balance off in full at the end of each month. Don t fall foul of the interest charges which can typically vary from between a representative annual percentage rate (APR) of 16% (variable) and 26% (variable).

    Other common incentives include; free travel cover, free purchase protection and the facility to add additional card holders free of charge.

    What are the advantages of business credit cards?

    Business credit cards offer a convenient way to pay for goods or services and can be used when placing orders over the phone or online. There is also the added convenience of allowing staff to buy work related items without having to submit an expenses form.

    In addition, you can use the card to monitor expenditure and specify a different credit limit for each employee that carries a card. And giving members of staff a company credit card will be seen by them as a mark of trust which is great as long as they don t abuse it!

    If used correctly, business credit cards are also a great way to build your businesses credit profile and, provided you pay off the balance at the end of each month, you will have access to interest free spending every month.

    Why use MoneySupermarket to compare business credit cards?

    As with any financial product, when looking for a business credit card it s important to compare the different products out there to make sure that you get the right one to suit your needs.

    For instance, if you regularly spend on your card and clear the balance at the end of each month, then a rewards or cashback card would be more beneficial to you than a card with an interest-free period on purchases.

    Or if you are using the card to make a large purchase that you will not have paid off by time any interest-free periods end then you may be better going for a card with a lower standard rate.

    And MoneySupermarket s business card comparison tool will instantly compare a range of business credit cards so you can make an informed decision on which card is right for you and your business.

    In addition, if you use the Smart Search tool, this will look for which products are best suited to you and rate your chance of acceptance so you don t have to risk getting rejected for credit and it won t leave a footprint on your credit file.

    Your personalised chance of approval

    We’ve taken the details you gave, and used them to show you personalised scores to tell you the chance that your application for each card would be successful.

    Why is this important?

    Every time you apply for a credit card, a mark is left on your credit score. That means it’s better get it right first time. Your scores help you understand which cards you have the strongest chance of getting.

    It’s easy!

    The higher the score, the stronger chance you have of getting the card. If you see a very low score, you’re probably better off choosing a different card.

    Consider a different card Not eligible 1/10 2/10 3/10 4/10 5/10 Your chances are good 6/10 7/10 8/10 9/10 9.5/10 You’ve been pre approved

    If you see a high score, you can be fairly confident. The scores aren’t a guarantee, as acceptance of your application is at the sole discretion of the card issuer, but they should help guide your choice.

    If you see a pre-approved score it may be subject to you passing additional ID and fraud checks by the provider.

    In some cases, we will not be able to display a score for a product because we do not have enough information about the card issuer s acceptance criteria or we have not been able to match your details at the credit bureau.

    We work closely with our partners to improve our eligibility scores for all products that are of interest to you.

    We’re free and independent, as well as offering exclusive deals you can’t get anywhere else.

    Moneysupermarket is a credit broker this means we ll show you products offered by lenders. We never take a fee from customers for this broking service. Instead we are usually paid a fee by the lenders though the size of that payment doesn t affect how we show products to customers.

    Featured business credit cards – Sorted by APR

    Apply for the cards below today or search all credit cards

    You can rely on us

    We’re here to help





    Cowboy Bail – #1 Dallas Bail Bonds – Also Garland – Irving


    #

    Cowboy Bail Bonds is located in Dallas, Texas, and has been helping families since 1997. Our licensed bail bond agents have helped people in every situation imaginable statewide and nationwide.

    At Cowboy Bail Bonds, we believe in going the extra mile to provide professional and courteous service. Our agency is unique in that it is staffed 24 hours a day, 7 days a week. What does this mean for our clients? This means that whenever you call us, there will always be a licensed bail bond agent available and ready to assist you.

    Why Cowboy’s Dallas Bail Bonds?

    How Do Over 300,000 SATISFIED CUSTOMERS Describe Cowboy Bail Bonds?

    • Knowledgeable
    • Professional
    • Discreet
    • Friendly
    • Helpful
    • Honest
    • Fast
    • Fair

    To read more about why you should choose Cowboy Bail Bonds, click here. License #224

    About Our Process

    STEP ONE

    We will go through and explain how bail bonds work. We will also work with you to find a solution that fits your financial situation.

    STEP TWO

    You will then pay a small portion of the full bail amount.

    STEP THREE

    We then work with you and with the jail facility to quickly secure your release, or that of a loved one, by presenting the full bail amount to the court.

    This was the first time I had to bail out anyone and had no idea what to do. I went to Delta Bail first but they treated me shabbily read more

    Shannon T. Dallas


    Start an ATM Business – All Around ATM – Credit Card Processing

    #atm machine business

    #

    Just a few of the reasons to start your own ATM business with All Around ATM

    We pay you 100% of the Surcharge
    Own a franchise with no franchise fees
    Each placement brings more income
    A suprisingly small portfolio of ATMs can generate incredible revenue
    ATMs offer you a reliable source of constant income
    Manage your ATM Company from your home
    Access all ATM information on line
    Most of our start ups earn their entire investment back inside of 6 months then earn profits for years and years
    Each ATM placement is win-win. You make the surcharge revenue and the merchant where
    you place the ATM makes more in new cash spending

    We have the best start up ATM program in the country
    Low cost to start up
    Work less hours and still build income
    Live an unbelievable lifestyle
    We sell all of our machines at cost! Which means more money in your pocket.

    Why would I want an ATM
    business?

    Do you want a business that can net well over $100,000 a year, which requires less than an hour a month of your time? I can guarantee you answered yes! With an ATM business, you need no employees or a storefront. It requires a very low start up cost. Your
    investment into the ATM machine can be paid back in less than six months. You
    can manage your ATM business from home at your own schedule. You may only have
    to go to the location of the ATM machine once or twice a month depending on
    usage and amount of money stocked in the machine! You can also own an ATM
    business, while still working a part-time or full-time job since it requires so
    little time!

    How do I start my own ATM business?

    The ATM business is a very profitable and easy business to get into! Your first and most important step is to find the locations to place the machine. Many people ask, do I have
    to own the business to place an ATM machine there? You do not! All you have to
    do is approach the business owner and see if they re interested in having an ATM
    machine inside their business. Some reasons why a business owner would like a
    machine in their business is to lower their credit card costs, see more cash
    being spent, as well as to attract customers into their business just by having
    an ATM machine on premises. They have no responsibly of the ATM, yet get to
    reap all of the benefits! With credit card costs being so high, most business
    owners would rather see cash being spent. By having an ATM machine on premises,
    they will see cash being spent rather than having to take plastic! Therefore,
    they will see lower credit card costs and more cash spending! Once you find the
    location on where to place the ATM machine, you purchase the machine. All
    Around ATM will come out, install the machine, program it, and train you on how
    to work the ATM. You are responsible for stocking your cash inside the ATM
    machine, and you keep 100% of all the surcharge revenue profits. You get to
    select your surcharge amount. You get to select what you d like displayed on
    the screen, as well as what you d like to print on the receipt. You can use
    this as an advertisement for your ATM company, or you can advertise the
    business that the ATM is placed in. You can even sell this advertisement space!
    All Around ATM will set you up with a website where you can monitor your ATM,
    so you can see exactly what is happening on your machine IN REAL TIME! As soon
    as the machine is installed, you start making money! You can make well over
    $100,000 a year on 10 machines. These machines require very little time. On
    average, depending on how many times a month you fill the machine, you only
    will be spending about 10 minutes in total at the machine. It takes as little
    as three minutes to load the machine with cash. It s all very simple, and you
    can be making more money working a few hours a year, than most people making
    working full time!

    What are my start up costs for getting into the ATM business?

    You can get started into the ATM business for a very low cost. For as little as $1,599, you can purchase your first machine. You can stock the machine with as little as $500 or as much
    as $16,000+. Most customers stock their ATM machines with between $1,000-3,000.
    Therefore, you can get started with your first ATM machine for under $3,000.
    THERE ARE NO FRANCHISE FEES! You can pay off your ATM machine in the first
    three months or less, and everything from then on is a profit. ATM machines can
    last as long as 7-8 years or more, allowing you to be collecting money off of
    the ATM for many years. At All Around ATM we suggest you start with one or two
    machines, and build your ATM business up from there. You can gain a good
    understanding of the ATM machines and how they work, and then expand your
    business! We have many customers who started with only one ATM machine, and now
    have well over 100 machines out in the field!

    What types of locations do well with an ATM machine and do you find the location?

    All different types of locations do well with an ATM machine, but the most important thing comes down to volume! Businesses that often do well with ATM machines are con stores,
    restaurants, night clubs, bars, malls, etc. However, the main thing to look at
    when trying to find a good location to place the ATM machine is the amount of
    people walking into the business daily. Any type of business that is busy will
    do well with an ATM machine. The more people walking through a business, the
    more usage the ATM machine will get. As far as the location, you are responsible
    for finding it. However, we do have a unique program at All Around ATM. We get
    tons of inquires a day for businesses looking for a free placement of an ATM
    machine. Often times, the business doesn t qualify for a free placement of the
    ATM because the location is out of our service area and the armored carrier
    costs are just too high. What we do is we match you up with any business
    inquires in your area, allowing you to decide if you want to place an ATM
    machine inside their location! We always will pass long these free placements to
    you, all FREE OF COST! At All Around ATM, we re always looking to help out our
    customers and give them new locations.

    Contact us now to start living your dreams!!





    Business Credit Cards – All The Best Company Credit Cards #loans #for

    #business credit

    #

    MoneySuperMarket.com

    Promoted Navigation

    Primary Navigation

    Compare business credit cards

    Credit cards for business use feature a host of benefits including travel insurance, cashback, free additional cardholders, 0% on purchases and itemised billing.

    Business credit card guide

    What is a business credit card?

    A business credit card is simply a credit card that is issued to a limited company or sole trader, as opposed to an individual consumer. It can be used as a way of facilitating staff spending, helping cash flow or even to temporarily finance operations.

    How do business credit cards work?

    Business credit cards work much like conventional credit cards in that borrowers will be given a credit limit and the balance can be paid off over time, subject to a minimum amount being paid each month.

    You can also choose how many credit cards you want on your account depending how many staff you have or how many staff members you want to issue a card to.

    Just like a personal credit card, a better business credit score will usually net you a better interest rate or other benefits such as interest-free periods, reward points or cashback.

    But it s worth noting that business credit card providers may also check your personal credit score which can also affect the outcome of any applications.

    What types of business credit card are available?

    As with personal credit cards, there are numerous types of business credit card available, each with different perks and interest rates.

    For example, there are cards available with interest-free periods on purchases, which are a great way to manage cash flow if money is tight; while cards that offer rewards points or cashback are ideal you use it regularly.

    Remember though, for a cashback deal to be worthwhile, you must ensure that you pay the balance off in full at the end of each month. Don t fall foul of the interest charges which can typically vary from between a representative annual percentage rate (APR) of 16% (variable) and 26% (variable).

    Other common incentives include; free travel cover, free purchase protection and the facility to add additional card holders free of charge.

    What are the advantages of business credit cards?

    Business credit cards offer a convenient way to pay for goods or services and can be used when placing orders over the phone or online. There is also the added convenience of allowing staff to buy work related items without having to submit an expenses form.

    In addition, you can use the card to monitor expenditure and specify a different credit limit for each employee that carries a card. And giving members of staff a company credit card will be seen by them as a mark of trust which is great as long as they don t abuse it!

    If used correctly, business credit cards are also a great way to build your businesses credit profile and, provided you pay off the balance at the end of each month, you will have access to interest free spending every month.

    Why use MoneySupermarket to compare business credit cards?

    As with any financial product, when looking for a business credit card it s important to compare the different products out there to make sure that you get the right one to suit your needs.

    For instance, if you regularly spend on your card and clear the balance at the end of each month, then a rewards or cashback card would be more beneficial to you than a card with an interest-free period on purchases.

    Or if you are using the card to make a large purchase that you will not have paid off by time any interest-free periods end then you may be better going for a card with a lower standard rate.

    And MoneySupermarket s business card comparison tool will instantly compare a range of business credit cards so you can make an informed decision on which card is right for you and your business.

    In addition, if you use the Smart Search tool, this will look for which products are best suited to you and rate your chance of acceptance so you don t have to risk getting rejected for credit and it won t leave a footprint on your credit file.

    Your personalised chance of approval

    We’ve taken the details you gave, and used them to show you personalised scores to tell you the chance that your application for each card would be successful.

    Why is this important?

    Every time you apply for a credit card, a mark is left on your credit score. That means it’s better get it right first time. Your scores help you understand which cards you have the strongest chance of getting.

    It’s easy!

    The higher the score, the stronger chance you have of getting the card. If you see a very low score, you’re probably better off choosing a different card.

    Consider a different card Not eligible 1/10 2/10 3/10 4/10 5/10 Your chances are good 6/10 7/10 8/10 9/10 9.5/10 You’ve been pre approved

    If you see a high score, you can be fairly confident. The scores aren’t a guarantee, as acceptance of your application is at the sole discretion of the card issuer, but they should help guide your choice.

    If you see a pre-approved score it may be subject to you passing additional ID and fraud checks by the provider.

    In some cases, we will not be able to display a score for a product because we do not have enough information about the card issuer s acceptance criteria or we have not been able to match your details at the credit bureau.

    We work closely with our partners to improve our eligibility scores for all products that are of interest to you.

    We’re free and independent, as well as offering exclusive deals you can’t get anywhere else.

    Moneysupermarket is a credit broker this means we ll show you products offered by lenders. We never take a fee from customers for this broking service. Instead we are usually paid a fee by the lenders though the size of that payment doesn t affect how we show products to customers.

    Featured business credit cards – Sorted by APR

    Apply for the cards below today or search all credit cards

    You can rely on us

    We’re here to help





    All About Cash Flow #best #online #business

    #business plan outline

    #

    All About Cash Flow

    While we are trained to think of business as sales minus costs and expenses, which is profits, we have to manage cash as well.

    Although cash is critical, people think in profits instead of cash. We all do. When you imagine a new business, you think of what it would cost to make the product, what you could sell it for, and what the profits per unit might be. We are trained to think of business as sales minus costs and expenses, which is profits. Unfortunately, we don t spend the profits in a business. We spend cash. Profitable companies go broke because they had all their money tied up in assets and couldn t pay their expenses. Working capital is critical to business health. Unfortunately, we don t see the cash implications as clearly as we should, which is one of the best reasons for proper business planning. We have to manage cash, as well as profits.

    A simple example
    One of the best ways to understand the dilemma of cash vs. profits is to follow an otherwise-profitable company going broke because it can t meet its obligations. This is a quick and simple example. It also leads us into the relationship between income statement, balance sheet, and cash.

    Start with $100, which we ll call capital. At the beginning of this exercise, your balance sheet has assets of $100—the money—and capital of $100. Assets are equal to capital plus liabilities. A summary of the simple financial statement at this point is shown in this first illustration, Starting Numbers.

    If you buy a widget for $100 and sell it for $150, you should end up with $50 profit, which is what your income statement covers. Sales minus costs are profit. You should have $150 in the bank. Now your balance sheet shows the same $100 in original capital plus $50 in earnings, which are equal to the $150 you have in cash as an asset. The next illustration shows you how the financials work after the sale.

    Buy another widget for $100 and sell it again for $150, and now you have $200 in the bank. Do it again, you have $250 in the bank. Your income statement shows sales of $450, cost of sales of $300, and profit of $150. The illustration shows your income statement and balance sheet at this point.

    Adding some realism
    Now go back a step and make the situation more realistic. For example, most sales of products to businesses go on terms, with the money due in 30 days. So if you sold that widget on credit you don t have $150 in the bank. You still have $50 in your bottom line, but now you have nothing in the bank. Instead, a customer owes you $150, which is what we call “Accounts Receivable.” Compare the Sell a Widget illustration to this next illustration, Selling on Terms. This is what really happens to the huge number of businesses that sell to other businesses.

    Knowing you can buy a widget for $100 and sell it for $150, you get your Widget supplier to sell to you on the same terms you sell, net 30, instead of for cash. Now you have $100 that you owe to suppliers, which is called “Accounts Payable.” You also have $100 worth of widget in inventory. This gives you the case in the following illustration, Buying on Terms, in which you are now poised to sell another widget and make more profit.

    You have an extra $100 in assets (the widget in inventory) and an extra $100 as liabilities (Accounts Payable), so you are still in balance. Also, you still have no money. Our next illustration shows the financial picture with sales to businesses on credit and purchase of inventory on credit as a short-term debt.

    Now the case is more like what you have with real business numbers, in which you have to manage your cash very carefully, and the amounts sitting in inventory and accounts receivable are significant.

    More realism: working capital
    Even in the case of the above illustration, the example is completely unrealistic. Where are the running expenses, such as rent, salaries, telephones, or even advertising those widgets? How would they affect the cash situation? How far would we get if we couldn t pay the rent or the telephone bill while waiting for customers to pay us? Furthermore, what supplier would give us a widget on credit when we have no history and no assets? What bank would loan us money in this situation? Banks do loan against inventory and receivables, but only to a certain percentage of total value. What was missing here, all along, was working capital.

    Important: In strict accounting terms, working capital is equal to short-term assets minus short-term liabilities. In real terms, however, working capital is the glue that holds your cash flow together. Get it into the bank before you need it, or you won t survive the unexpected.

    The following illustration goes back to the beginning of this whole example and does it right, with enough capital in the beginning to finance the company.

    Instead of starting with $100 as capital, this business looks a lot better with starting capital of $400. With this additional capital from the start, buying on credit and borrowing against assets is more realistic. In this scenario, working capital is up to $550. Now it has a proper input of working capital at the beginning. With even the barest of business plans, we could tell that $100 wasn t enough to get this business going.

    I hope the theoretical examples help make the concepts clear. If you followed these illustrations, you can see some enormous implications for running a business.

    Important: Every dollar in accounts receivable means a dollar less in cash. Every dollar of inventory is a dollar less in cash. Every dollar of accounts payable is a dollar more in cash.

    How LivePlan makes your business more successful

    If you re writing a business plan you’re in luck. Online business planning software makes it easier than ever before to put together a business plan for your business.

    As you ll see in a moment LivePlan is more than just business plan software though. It s a knowledgable guide combined with a professional designer coupled with a financial wizard. It ll help you get over the three most common business hurdles with ease.

    Let s take a look at those common hurdles and see how producing a top notch business plan sets your business up for success.





    Start an ATM Business – All Around ATM – Credit Card Processing

    #atm machine business

    #

    Just a few of the reasons to start your own ATM business with All Around ATM

    We pay you 100% of the Surcharge
    Own a franchise with no franchise fees
    Each placement brings more income
    A suprisingly small portfolio of ATMs can generate incredible revenue
    ATMs offer you a reliable source of constant income
    Manage your ATM Company from your home
    Access all ATM information on line
    Most of our start ups earn their entire investment back inside of 6 months then earn profits for years and years
    Each ATM placement is win-win. You make the surcharge revenue and the merchant where
    you place the ATM makes more in new cash spending

    We have the best start up ATM program in the country
    Low cost to start up
    Work less hours and still build income
    Live an unbelievable lifestyle
    We sell all of our machines at cost! Which means more money in your pocket.

    Why would I want an ATM
    business?

    Do you want a business that can net well over $100,000 a year, which requires less than an hour a month of your time? I can guarantee you answered yes! With an ATM business, you need no employees or a storefront. It requires a very low start up cost. Your
    investment into the ATM machine can be paid back in less than six months. You
    can manage your ATM business from home at your own schedule. You may only have
    to go to the location of the ATM machine once or twice a month depending on
    usage and amount of money stocked in the machine! You can also own an ATM
    business, while still working a part-time or full-time job since it requires so
    little time!

    How do I start my own ATM business?

    The ATM business is a very profitable and easy business to get into! Your first and most important step is to find the locations to place the machine. Many people ask, do I have
    to own the business to place an ATM machine there? You do not! All you have to
    do is approach the business owner and see if they re interested in having an ATM
    machine inside their business. Some reasons why a business owner would like a
    machine in their business is to lower their credit card costs, see more cash
    being spent, as well as to attract customers into their business just by having
    an ATM machine on premises. They have no responsibly of the ATM, yet get to
    reap all of the benefits! With credit card costs being so high, most business
    owners would rather see cash being spent. By having an ATM machine on premises,
    they will see cash being spent rather than having to take plastic! Therefore,
    they will see lower credit card costs and more cash spending! Once you find the
    location on where to place the ATM machine, you purchase the machine. All
    Around ATM will come out, install the machine, program it, and train you on how
    to work the ATM. You are responsible for stocking your cash inside the ATM
    machine, and you keep 100% of all the surcharge revenue profits. You get to
    select your surcharge amount. You get to select what you d like displayed on
    the screen, as well as what you d like to print on the receipt. You can use
    this as an advertisement for your ATM company, or you can advertise the
    business that the ATM is placed in. You can even sell this advertisement space!
    All Around ATM will set you up with a website where you can monitor your ATM,
    so you can see exactly what is happening on your machine IN REAL TIME! As soon
    as the machine is installed, you start making money! You can make well over
    $100,000 a year on 10 machines. These machines require very little time. On
    average, depending on how many times a month you fill the machine, you only
    will be spending about 10 minutes in total at the machine. It takes as little
    as three minutes to load the machine with cash. It s all very simple, and you
    can be making more money working a few hours a year, than most people making
    working full time!

    What are my start up costs for getting into the ATM business?

    You can get started into the ATM business for a very low cost. For as little as $1,599, you can purchase your first machine. You can stock the machine with as little as $500 or as much
    as $16,000+. Most customers stock their ATM machines with between $1,000-3,000.
    Therefore, you can get started with your first ATM machine for under $3,000.
    THERE ARE NO FRANCHISE FEES! You can pay off your ATM machine in the first
    three months or less, and everything from then on is a profit. ATM machines can
    last as long as 7-8 years or more, allowing you to be collecting money off of
    the ATM for many years. At All Around ATM we suggest you start with one or two
    machines, and build your ATM business up from there. You can gain a good
    understanding of the ATM machines and how they work, and then expand your
    business! We have many customers who started with only one ATM machine, and now
    have well over 100 machines out in the field!

    What types of locations do well with an ATM machine and do you find the location?

    All different types of locations do well with an ATM machine, but the most important thing comes down to volume! Businesses that often do well with ATM machines are con stores,
    restaurants, night clubs, bars, malls, etc. However, the main thing to look at
    when trying to find a good location to place the ATM machine is the amount of
    people walking into the business daily. Any type of business that is busy will
    do well with an ATM machine. The more people walking through a business, the
    more usage the ATM machine will get. As far as the location, you are responsible
    for finding it. However, we do have a unique program at All Around ATM. We get
    tons of inquires a day for businesses looking for a free placement of an ATM
    machine. Often times, the business doesn t qualify for a free placement of the
    ATM because the location is out of our service area and the armored carrier
    costs are just too high. What we do is we match you up with any business
    inquires in your area, allowing you to decide if you want to place an ATM
    machine inside their location! We always will pass long these free placements to
    you, all FREE OF COST! At All Around ATM, we re always looking to help out our
    customers and give them new locations.

    Contact us now to start living your dreams!!





    10 greatest entrepreneurs of all time – Business – Small business #business

    #top entrepreneurs

    #

    History s 10 greatest entrepreneurs

    By Philipp Harper

    Special to msnbc.com

    How many entrepreneurs have there been in the history of the world? Millions, certainly, probably even billions. These are the men and women who take capital — their own or somebody else’s — and use it to beget more capital. Some fail, some succeed, some excel.

    With so many candidates to choose from, any list of the 10 greatest entrepreneurs of all time will necessarily be somewhat arbitrary. It will also be top-heavy with Americans, just as a list of great chefs would be disproportionately French or of great eccentrics dominated by the British.

    Business is what America does. If that sounds chauvinistic, get over it.

    Here, without further ado but with tongue occasionally in cheek, are history’s 10 greatest entrepreneurs.

    1.King Croesus. A pick by our veterans committee, Croesus, who ruled the Asia Minor kingdom of Lydia in the sixth century B.C. is owed a huge debt of gratitude for minting the world’s first coinage, thereby creating in a single stroke the lifeblood of every business: liquidity and cash flow. Moreover, his opulent lifestyle has given entrepreneurs throughout history something to shoot for. Is there a greater distinction for the commercially inclined than to be deemed “as rich as Croesus”?

    2.Pope Sixtus IV. Sixtus gets the nod for realizing that the “wages of sin” meant more than unpleasant repercussions. There was money to be made in damnation, and Sixtus mined it by opening up a new market — the dead — for the indulgences the church had been selling for years. Relatives of the deceased quickly filled the Vatican’s coffers with payments intended to lessen the time their loved ones spent in purgatory. In 1478 Sixtus “grew his market” by authorizing the Spanish Inquisition, which swelled purgatory’s ranks by 100,000 souls in 15 years. He also was the first pope to license brothels.

    3.Benjamin Franklin. In a real sense, Franklin was America’s first entrepreneur. Unlike other of the Founding Fathers — the hypermoral Washington, the prodigiously intellectual Jefferson — whose virtues and attainments are seen today as anachronisms, Franklin truly was a model of what many of us would become. Beneath the statesman’s mantle resided a popular author, a printer, an inventor (the lightning rod, bifocals) and a very savvy businessman who knew how to commercialize the fruits of his fertile mind.

    4. P.T. Barnum. Americans have always loved a good scam and Phineas Taylor Barnum took the art to new heights. He played on our fascination with the bizarre and freakish with sideshow acts ranging from the midget Tom Thumb to Jumbo the giant elephant. In between was a host of more dubious curiosities. He created the Barnum and Bailey Circus as a showcase for all this wonderment, and dubbed it “the Greatest Show on Earth.” Along the way he invented modern advertising and became rich. For the record, he never said “There’s a sucker born every five minutes,” but he left behind plenty of other bon mots. Among them: “Every crowd has a silver lining.”

    5.Thomas Edison. What do you say about the man who gave the world the electric light, the phonograph, talking motion pictures and more than 1,300 other patented inventions? That he was the world’s greatest inventor, certainly. But he was also able to exploit the profit potential in his creations, an entrepreneurial bent that asserted itself when Edison was a teen-ager, printing a newspaper in the baggage car of a rolling train and then selling copies to passengers. His impact on the way people live was and is pervasive. As a combination of inventive genius and entrepreneurial flair, he stands alone.

    6.Henry Ford. Ford also fundamentally changed human lifestyles by making available a vehicle, the Model T, that vastly extended people’s range of movement. The automobile would allow America’s masses to fulfill their Manifest Destiny to populate every corner of the continent. But his more profound impact was on industry. The moving assembly line he designed to build his cars was the signal breakthrough of the Industrial Age. Appropriately, Ford earned the seed capital for his enterprise by working as an engineer at the Edison Illuminating Company in Detroit.

    7.Benjamin Siegel. Known as “Bugsy” to his friends, Siegel was a notorious mobster with a touch of the visionary. Legend has it that he single-handedly invented Las Vegas, and that’s a stretch. But he was the first to see what the town could become: a lush oasis of pleasure where gambling was just one of the attractions. He also proved adept at attracting other people’s money to build his iconic resort, The Flamingo. Trouble was, some of those other people belonged to an outfit called Murder Inc. and Siegel was gunned down in 1947 amid rumors he had stolen from his partners. But give the devil his due: Before there was the Bellagio, there was Bugsy.

    8.Ray Kroc. Nothing says entrepreneur like persistence, and nothings says persistence like Ray Kroc, the kitchen wares salesman who in 1954, at age 52 and in poor health, had his imagination hijacked by a family-run restaurant in the desert outside Los Angeles. Once he had bought out the McDonald brothers, Kroc proceeded to take their concept of a limited menu, fast service and low prices and expand it nationally, in the process creating the fast-food industry and dramatically affecting America’s lifestyle and, sadly, collective health.

    9.H. Ross Perot. Within every entrepreneur lurks a touch of the cowboy, and there’s no better example of the strain than Perot, the diminutive Texan who has become best known in recent years as a political gadfly. Before that, though, he was all business, using a $1,000 loan from his wife in 1962 to launch Electronic Data Systems. Perot’s winning idea was that large corporations and organizations needed data-processing help if they were to take full advantage of computer technology. When in the mid-’60s he won contracts with two new federal health-care programs — Medicare and Medicaid — EDS was off and running and Perot was on his way to being one of America’s richest citizens.

    10.Jobs & Wozniak. Apple Computer’s two Steves weren’t the first Silicon Valley entrepreneurs to launch a billion-dollar business from a Palo Alto garage — Hewlett and Packard were there before them — but they were the first to democratize computing by creating a machine whose use was so wonderfully intuitive that even technophobes embraced it. Combine the elegance of Wozniak’s operating system design with Jobs’ marketing savvy (remember Apple’s “1984” ad?) and the result was a true phenomenon. Yes, the Apple was eclipsed by the PC, but only after Microsoft (behind the vision of two other notable entrepreneurs, Bill Gates and Paul Allen) developed Windows to ape its rival’s ease of use.

    Philipp Harper is a freelance journalist living in south Georgia.





    The 100 Best Business Books of All Time – In The Books

    #business books

    #

    The 100 Best Business Books of All Time


    Thousands of business books are published every year Here are the best of the best. Now updated, with more than ten new books reviewed.

    The 100 Best Business Books of All Time was written by two former leaders of 800-CEO-READ, Jack Covert and Todd Sattersten, with its current leader, Sally Haldorson. Originally published in 2009, The 100 Best is a guide to essential business reading for leaders, managers, and employees alike. If you want to grow, innovate, sell, lead, discover, and strategize, the books in The 100 Best are the ones to help you achieve your goals.

    ABOUT THE 100 BEST

    After years of reading, evaluating, and selling business books, 800-CEO-READ is the most respected expert on the category. Now they have chosen the 100 best business titles of all time the ones that deliver the biggest payoff for today’s busy readers.

    The 100 Best puts each book in context, so that readers can quickly find solutions to the problems they face, such as how best to spend The First 90 Days in a new job or how to take their company from Good to Great. Many of the choices are surprising you ll find reviews of Moneyball and Orbiting the Giant Hairball. but not Jack Welch s memoir.

    At the end of each review, Jack and Todd direct readers to other books both inside and outside The 100 Best. And sprinkled throughout are sidebars taking the reader beyond business books, suggesting movies, novels, and even children’s books that offer equally relevant insights.

    This book will appeal to anyone, from entry-level to CEO, who wants to cut through the clutter and discover the brilliant books that are truly worth their investment of time and money.

    Get a feel for the book. Get a feel for the book. Start with the introduction (download the PDF ). Then check out a review from both of us: with a review from both Jack and Todd:

    And to get a feel for the layout of the book, check out the book’s “lost” chapter, which contains a collection of Industry book reviews. (Download the PDF )

    ABOUT THE AUTHORS

    Now retired, Jack Covert is the founder of and former president of 800-CEO-READ. now an independent company, but longtime partner of the Harry W. Schwartz Bookshops. Hired twenty-five years ago by the late David Schwartz to promote business and computer books to the Milwaukee business community, Jack used his considerable sales skills and innate business acumen to grow that 3-shelf business section into a 7 million dollar specialty business book retailer.

    Todd Sattersten currently runs BizBookLab. a company that identifies, develops, and launches business books around the world from Portland, Oregon. Previously, he was president of 800-CEO-READ, spent six years at GE, and three years working with his father in the family sheet metal fabrication business. Todd received his BS in mechanical engineering from Michigan Technological University and his MBA from Marquette University.

    Sally Haldorson is the General Manager of 800-CEO-READ and has worked for the company in many different roles for twenty years. She has an M.A. in English and Creative Writing, and lives in Milwaukee, WI with her husband and son.

    THE CHAPTERS OF THE 100 BEST





    Business Credit Cards – All The Best Company Credit Cards #business #studies

    #business credit

    #

    MoneySuperMarket.com

    Promoted Navigation

    Primary Navigation

    Compare business credit cards

    Credit cards for business use feature a host of benefits including travel insurance, cashback, free additional cardholders, 0% on purchases and itemised billing.

    Business credit card guide

    What is a business credit card?

    A business credit card is simply a credit card that is issued to a limited company or sole trader, as opposed to an individual consumer. It can be used as a way of facilitating staff spending, helping cash flow or even to temporarily finance operations.

    How do business credit cards work?

    Business credit cards work much like conventional credit cards in that borrowers will be given a credit limit and the balance can be paid off over time, subject to a minimum amount being paid each month.

    You can also choose how many credit cards you want on your account depending how many staff you have or how many staff members you want to issue a card to.

    Just like a personal credit card, a better business credit score will usually net you a better interest rate or other benefits such as interest-free periods, reward points or cashback.

    But it s worth noting that business credit card providers may also check your personal credit score which can also affect the outcome of any applications.

    What types of business credit card are available?

    As with personal credit cards, there are numerous types of business credit card available, each with different perks and interest rates.

    For example, there are cards available with interest-free periods on purchases, which are a great way to manage cash flow if money is tight; while cards that offer rewards points or cashback are ideal you use it regularly.

    Remember though, for a cashback deal to be worthwhile, you must ensure that you pay the balance off in full at the end of each month. Don t fall foul of the interest charges which can typically vary from between a representative annual percentage rate (APR) of 16% (variable) and 26% (variable).

    Other common incentives include; free travel cover, free purchase protection and the facility to add additional card holders free of charge.

    What are the advantages of business credit cards?

    Business credit cards offer a convenient way to pay for goods or services and can be used when placing orders over the phone or online. There is also the added convenience of allowing staff to buy work related items without having to submit an expenses form.

    In addition, you can use the card to monitor expenditure and specify a different credit limit for each employee that carries a card. And giving members of staff a company credit card will be seen by them as a mark of trust which is great as long as they don t abuse it!

    If used correctly, business credit cards are also a great way to build your businesses credit profile and, provided you pay off the balance at the end of each month, you will have access to interest free spending every month.

    Why use MoneySupermarket to compare business credit cards?

    As with any financial product, when looking for a business credit card it s important to compare the different products out there to make sure that you get the right one to suit your needs.

    For instance, if you regularly spend on your card and clear the balance at the end of each month, then a rewards or cashback card would be more beneficial to you than a card with an interest-free period on purchases.

    Or if you are using the card to make a large purchase that you will not have paid off by time any interest-free periods end then you may be better going for a card with a lower standard rate.

    And MoneySupermarket s business card comparison tool will instantly compare a range of business credit cards so you can make an informed decision on which card is right for you and your business.

    In addition, if you use the Smart Search tool, this will look for which products are best suited to you and rate your chance of acceptance so you don t have to risk getting rejected for credit and it won t leave a footprint on your credit file.

    Your personalised chance of approval

    We’ve taken the details you gave, and used them to show you personalised scores to tell you the chance that your application for each card would be successful.

    Why is this important?

    Every time you apply for a credit card, a mark is left on your credit score. That means it’s better get it right first time. Your scores help you understand which cards you have the strongest chance of getting.

    It’s easy!

    The higher the score, the stronger chance you have of getting the card. If you see a very low score, you’re probably better off choosing a different card.

    Consider a different card Not eligible 1/10 2/10 3/10 4/10 5/10 Your chances are good 6/10 7/10 8/10 9/10 9.5/10 You’ve been pre approved

    If you see a high score, you can be fairly confident. The scores aren’t a guarantee, as acceptance of your application is at the sole discretion of the card issuer, but they should help guide your choice.

    If you see a pre-approved score it may be subject to you passing additional ID and fraud checks by the provider.

    In some cases, we will not be able to display a score for a product because we do not have enough information about the card issuer s acceptance criteria or we have not been able to match your details at the credit bureau.

    We work closely with our partners to improve our eligibility scores for all products that are of interest to you.

    We’re free and independent, as well as offering exclusive deals you can’t get anywhere else.

    Moneysupermarket is a credit broker this means we ll show you products offered by lenders. We never take a fee from customers for this broking service. Instead we are usually paid a fee by the lenders though the size of that payment doesn t affect how we show products to customers.

    Featured business credit cards – Sorted by APR

    Apply for the cards below today or search all credit cards

    You can rely on us

    We’re here to help





    Business Credit Cards – All The Best Company Credit Cards #home #business

    #business credit

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    MoneySuperMarket.com

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    Compare business credit cards

    Credit cards for business use feature a host of benefits including travel insurance, cashback, free additional cardholders, 0% on purchases and itemised billing.

    Business credit card guide

    What is a business credit card?

    A business credit card is simply a credit card that is issued to a limited company or sole trader, as opposed to an individual consumer. It can be used as a way of facilitating staff spending, helping cash flow or even to temporarily finance operations.

    How do business credit cards work?

    Business credit cards work much like conventional credit cards in that borrowers will be given a credit limit and the balance can be paid off over time, subject to a minimum amount being paid each month.

    You can also choose how many credit cards you want on your account depending how many staff you have or how many staff members you want to issue a card to.

    Just like a personal credit card, a better business credit score will usually net you a better interest rate or other benefits such as interest-free periods, reward points or cashback.

    But it s worth noting that business credit card providers may also check your personal credit score which can also affect the outcome of any applications.

    What types of business credit card are available?

    As with personal credit cards, there are numerous types of business credit card available, each with different perks and interest rates.

    For example, there are cards available with interest-free periods on purchases, which are a great way to manage cash flow if money is tight; while cards that offer rewards points or cashback are ideal you use it regularly.

    Remember though, for a cashback deal to be worthwhile, you must ensure that you pay the balance off in full at the end of each month. Don t fall foul of the interest charges which can typically vary from between a representative annual percentage rate (APR) of 16% (variable) and 26% (variable).

    Other common incentives include; free travel cover, free purchase protection and the facility to add additional card holders free of charge.

    What are the advantages of business credit cards?

    Business credit cards offer a convenient way to pay for goods or services and can be used when placing orders over the phone or online. There is also the added convenience of allowing staff to buy work related items without having to submit an expenses form.

    In addition, you can use the card to monitor expenditure and specify a different credit limit for each employee that carries a card. And giving members of staff a company credit card will be seen by them as a mark of trust which is great as long as they don t abuse it!

    If used correctly, business credit cards are also a great way to build your businesses credit profile and, provided you pay off the balance at the end of each month, you will have access to interest free spending every month.

    Why use MoneySupermarket to compare business credit cards?

    As with any financial product, when looking for a business credit card it s important to compare the different products out there to make sure that you get the right one to suit your needs.

    For instance, if you regularly spend on your card and clear the balance at the end of each month, then a rewards or cashback card would be more beneficial to you than a card with an interest-free period on purchases.

    Or if you are using the card to make a large purchase that you will not have paid off by time any interest-free periods end then you may be better going for a card with a lower standard rate.

    And MoneySupermarket s business card comparison tool will instantly compare a range of business credit cards so you can make an informed decision on which card is right for you and your business.

    In addition, if you use the Smart Search tool, this will look for which products are best suited to you and rate your chance of acceptance so you don t have to risk getting rejected for credit and it won t leave a footprint on your credit file.

    Your personalised chance of approval

    We’ve taken the details you gave, and used them to show you personalised scores to tell you the chance that your application for each card would be successful.

    Why is this important?

    Every time you apply for a credit card, a mark is left on your credit score. That means it’s better get it right first time. Your scores help you understand which cards you have the strongest chance of getting.

    It’s easy!

    The higher the score, the stronger chance you have of getting the card. If you see a very low score, you’re probably better off choosing a different card.

    Consider a different card Not eligible 1/10 2/10 3/10 4/10 5/10 Your chances are good 6/10 7/10 8/10 9/10 9.5/10 You’ve been pre approved

    If you see a high score, you can be fairly confident. The scores aren’t a guarantee, as acceptance of your application is at the sole discretion of the card issuer, but they should help guide your choice.

    If you see a pre-approved score it may be subject to you passing additional ID and fraud checks by the provider.

    In some cases, we will not be able to display a score for a product because we do not have enough information about the card issuer s acceptance criteria or we have not been able to match your details at the credit bureau.

    We work closely with our partners to improve our eligibility scores for all products that are of interest to you.

    We’re free and independent, as well as offering exclusive deals you can’t get anywhere else.

    Moneysupermarket is a credit broker this means we ll show you products offered by lenders. We never take a fee from customers for this broking service. Instead we are usually paid a fee by the lenders though the size of that payment doesn t affect how we show products to customers.

    Featured business credit cards – Sorted by APR

    Apply for the cards below today or search all credit cards

    You can rely on us

    We’re here to help





    FirstBank Free Business Checking – Free Checking For All #business #finance #loan

    #free business checking

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    FirstBank Free Business Checking

    Earnings credit not available on this account.

    If monthly item volume exceeds 150 transactions, the account becomes eligible for earnings credit and the charges for items will be as follows.

    • Debits – Checks/Paper (ledger): $0.20
    • Debits – Automated Clearing House (ACH): $0.15
    • Credits – Paper (ledger): $0.30
    • Credits – Automated Clearing House (ACH): $0.20
    • Deposited Item: $0.10
    • Negative Average Collected Balance Fees will apply. Refer to the FirstBank Business rate sheet for more information.

    Download our mobile app for Mobile Deposit, FirstGlance, Apple Pay and more.

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