Learn How Loans Work Before You Borrow, how do business loans work.#How

Learn How Loans Work Before You Borrow

How do business loans work

When you borrow money, it’s important to know how loans work. With a better understanding of loans, you can save money and make better decisions about debt – including when to avoid it. Learn how loans work before you start borrowing.

The Cost of Money

What does it take to get money? More money. When you borrow, you have to pay back the amount you borrowed plus interest. You may also have to pay fees.

Costs are a key part of understanding how loans work and which one to choose; in general it’s best to minimize costs, but costs are not always easy to understand. Lenders don t often show exactly how loans work and what they cost, so it pays to run the numbers yourself.

For most loans, a basic Loan Amortization Calculator will illustrate how things work. If you really want to play with the numbers, use a spreadsheet to see what happens when you change the variables.

Costs can be tricky, so be sure to consider interest rates and transaction fees as you study how a loan works.

Paying Down the Loan Balance

It’s only a loan if you repay it. As you figure out how loans work, you’ll see that most loans get paid off gradually over time. Each monthly payment is split into two parts: a portion of it repays the loan balance, and a portion of it is your interest cost.

An amortization table shows how this works, and how interest costs go down over time.

A loan may or may not have a term – a length of time over which you repay it. Some mortgages last for 30 years, while other loans may only last 3 years. Credit cards are revolving loans, meaning you can borrow and repay as many times as you want without applying for a new loan.

The term affects how your loan works; shorter terms require larger payments.

Qualifying for a Loan

To get a loan you’ll have to qualify. Lenders only make loans when they think they’ll be repaid. Your credit is important in helping you qualify, since it shows how you’ve used loans in the past. Good credit means you’re more likely to get a loan at a reasonable rate. You may also need to show that you have enough income to repay the loan.

If you don’t have strong credit or if you’re borrowing a lot of money, you may also have to secure the loan with collateral. This allows the lender to take something and sell it if you’re unable to repay the loan. You might even have to have somebody with good credit co-sign the loan, which means they’ll promise to repay it if you can’t.

How Loans Work in Practice

Now you know more about borrowing in general, but how do loans work in everyday life? When you want to borrow, you visit with a lender and apply for a loan. Your bank or credit union is a good place to start; you can also work with specialized lenders like mortgage brokers and peer to peer lending services.

After you provide information about yourself, the lender will evaluate your application and decide whether or not to make the loan.

If you’re approved, the lender will send funds to you (or it may go directly to another person – somebody you’re buying a house from, for example). Shortly after funding, you’ll start to repay – usually monthly.

If you want to save money, you can generally repay loans early. Figure out how your loan works to see if there’s any cost to prepay, and make sure it makes sense before doing so.





How Do Small Business Loans Work, Bizfluent, how do business loans work.#How

How Do Small Business Loans Work?

How do business loans work

Obtaining financing helps build your business, but it’s not always easy to do. Securing a business loan takes time and patience, whether you need $5,000 or $5 million, since banks are not in the position to grant every business a loan. Because small businesses are considered risky ventures by lenders, starting your application early and effectively navigating the process is critical..

Description

A business loan is based on your business needs, and your own qualifications to start and run your company. But that’s just the start. The bank also looks closely at your personal finances, since you’ll be liable for repaying the loan if your business goes under or you’re otherwise unable to make the payments. Banks usually require small business owners to use personal assets, such as your home or car, to secure the loan. Lenders often work with the Small Business Administration, a government agency that backs many of the commercial loans underwritten by banks.

Financing Available

Banks may give loans through their internal lending programs, or they may choose to guarantee the loan through the SBA. SBA-backed loans include the 7(a) primary loan program that covers a variety of small business financing, and the CDC/504 Program that helps businesses obtain new facility or modernize their facilities. The CDC program is ideal if you have an established business with a proven track record.

Documentation

The bank will require you to provide a business plan that includes financial statements and projections about future revenue. The plan must indicate what you intend to do with the money, such as increasing your marketing efforts or paying for supplies to meet demand. To improve your chances of getting a loan, the SBA provides counseling through a volunteer program, known as SCORE, to help you create a business plan that meets the lender’s requirements.

Think Twice

Before you begin the tedious process of obtaining a loan, note the disadvantages. A small business loan is based on your personal ability to pay, so you’re liable for making the payments until the loan is paid off no matter what happens to your business. You may go through all the work to satisfy the bank’s requirements only to find out you still don’t qualify, or the bank may only give you a small portion of the money you need. This would require you to act quickly to secure additional financing.





How Do Business Loans Work, Fortress Funding, how do business loans work.#How

How Do Business Loans Work?

What Options Are Available To You?

Traditionally the “Big Four” banks have all offered pretty much the same stuff. That is if you want to borrow money for a business purpose the price goes up. As well as this you need to track down a banker that can take the time to understand your business and appreciate things from your side of the desk, not just the Credit Department’s side of the desk.

There is not question, its getting harder and harder to get good service in the Small to Medium Business, (SME), sector. In fairness to the “Big Four” its hard for them as well. They want it do but they are pushing their managers, branches and infrastructure in general as hard as they can and that rarely co-exists with relationship building and great service.

Its not just pricing and access to good service or advice that makes loans for SME’s hard everything else gets harder as well.

Here s How Business Loans Can Get Harder

The loan term might be restricted putting cashflow pressure on your business

Take this example of a commercial loan of $750 0000 for the purchase of a commercial warehouse.

Commercial loan of $750,000 at 5.42% pa

How do business loans work

Latest Blogs

  • How do business loans work

The Truth About Refinance and Three Options for Immediate Action

Why would you consider refinancing your loans? 9 out of 10 clients that we review could re-arrange their loans to be either cheaper, more appropriate or both! It’s worth asking the question, isn’t it? After all we don’t know what we don’t know. When you took out your last loan did [. ]

  • How do business loans work

What Is A Second Chance Loan?

Second Chance Funding How It Can Work For You What is it? Second Chance Finance is a flexible loan offered by lenders for those with bad credit or a less than perfect credit history. It’s a way that you can get yourself back on track quickly and easily. It’s not something your bank [. ]

  • How do business loans work

How Do Business Loans Work?

How Do Business Loans Work? What Options Are Available To You? Traditionally the “Big Four” banks have all offered pretty much the same stuff. That is if you want to borrow money for a business purpose the price goes up. As well as this you need to track down a banker that can [. ]

Looking at the loan in simplistic terms you would say the cost is 5.42%pa or $40650 each year in interest. However, when you look at all the other associated costs the bank is charging an average of $44890 per year. Effectively that’s 5.96%pa. or put another way an additional $21 200 over the 5 year period.

In addition to this you have the hassle, and anguish, of having to prepare interims and hope that the bank remains happy.

Every time you provide your lender information you risk something changing that you may not have anticipated. The opposite can be true but that’s usually only because you know how to “work the system”.

When was the last time your bank manager rang you up and offered to reduce your lending costs?

When was the last time your bank manager called you?

Consider This

Firstly, let’s be clear – you do not have to move your transaction banking.

Commercial lenders love you transactional banking accounts. It gives them your funds on deposit for free, the ability to charge account keeping fees and the ability to look inside your business – without you knowing.

New ways of funding commercial loans are out there. For example set and forget commercial loans and sometimes at home loan rates. Why would you pay commercial interest rates, have a shortened loan term and prepare interim financials if the bank could use equity in your home for your commercial loan?

You can make this happen if you know which lenders to talk to and how to go about it. No disruption to your business banking accounts, your internet banking or credit cards – just cheap efficient loan accounts.

Even if you prefer to, or already have offered your commercial premises as security rather than your home, (or a mix of the two), you can have a set a forget commercial loan with no ongoing fees over 20 years. There is of course always the option to go interest Only as well.

Consider the information below, it’s for the same $750 000 that we looked at earlier.

Commercial loan of $750,000 at 4.89% pa

How do business loans work

In this example the same loan costs an average of $37 087pa. over a 5 year period. That’s effectively 4.94%pa. (compared to 5.96%pa above).

The only thing that has changed is we did it smarter!

All your day to day banking stays in place uninterrupted. The cost of making the changes, (assuming an application fee of $1000 and a valuation fee of $1060) would be recovered in a couple of months.

It s All About Who You Know

Not all lenders are the same.

The market is super competitive at the moment with fintech innovators and new banks coming into the market and in particular into the commercial market. It’s no longer the exclusive domain of the “big four”. Many of these lenders are choosing to get to their clients via brokers. Its gives them the benefit of cheaper distribution channels but more importantly reduces their costs which are then reflected in what they charge you, the borrower.

More importantly they are hungry to do business and there are many ways that we can take advantage of this. You can take advantage of it all, with a little help from someone in the know.

Understanding the lenders and their niches and combining that with finding the right people inside these lenders is always far more likely to get you a suitable and sustainable outcome that might be just right for you. Sometimes it’s a combination so lenders or lender products, sometimes it’s a “re-jig” of your loan products after come consultation with your accountant. Sometimes it’s about releasing a security property like the family home for example and sometimes it’s about separating out your liability from that of your business partner’s liability.

It s A Bit Like Goldilocks And The Three Bears

The three Big Bears are:

  1. Why do commercial loans cost so much?
  2. Why do I need to spend so much money and time simply maintaining the loan going forward?
  3. How do I find the right bank and bank manager that has the time to understand my business?

How do business loans work

Goldilocks is obviously “Just right”. That is a combination of a well priced maintenance free loan portfolio with the support of an experience broker that can ensure that your needs are understood and met by the lender on an ongoing basis.

The one thing for sure is that it’s not just a matter anymore of turning up to your local branch, filling in a form and hoping for the best!





How Do Business Loans Work, Lendio, how do business loans work.#How #do

How Do Business Loans Work?

The process will vary depending where you look for a loan, but here at Lendio, we make it easy to get a loan. Start by filling out our online application and entering some information about your business. When you re done, a personal funding manager will contact you to discuss your loan options. Then you simply choose your preferred loan and your funding manager will push through the application to the lender and finish up the final details.

It really depends on where you apply for your business loan. For example, in the last half of 2016, banks were only approving 20-25% of small business loans, where alternative lenders were approving 60-62% of similar loans. And as an online lending marketplace, we work with more than 75 lenders so there is almost always a way to find a loan that can work for you. But the only way to really know is to fill out an application and see for yourself!

The documents you’ll need to apply for a loan will vary depending on whether you apply with a bank, an online lender, or at an online lending marketplace. To fill out an application at Lendio, you’ll be required to know some basic information about your company and your personal situation. We don’t require you to send in any documents besides providing business account bank statements for the past few months.

The loan products you qualify for will likely determine the way in which, as well as how often, you’ll pay back your loans. Typically, the stronger your business and credit, the less frequently you’ll have to make loan payments and the more payment processing options you’ll have. In contrast, the lower your credit scores and business strength, the more frequent and determinate your payment options will be.

You ll be expected to bring personal background information, your resume, a highly documented business plan, signed personal financial statements, personal credit reports, your business credit reports, personal and business tax returns for the previous three years, an entire year of personal and business bank statements, documentation of collateral, and a number of legal documents. And that s before they start asking questions.

This really depends on your unique business. We offer many different specialized loan products to help fund your business efficiently. In some cases where a loan is going to be used for many different things we will offer several loans, each serving a different purpose. This helps you get the maximum amount of funding easily. Your funding manager will help you decide which option is best for your situation.

You’ll need to know some basic things about your finances and your company such as your approximate credit score and what industry your business will be in. You’ll also want to be able to show past experience in the field if you have any, and you may need up to two years of personal tax returns depending on the type of startup loan options available to you. Other than that, just apply and pray! Just kidding, you ll be fine.

A commercial mortgage is another term for a commercial mortgage. These loans work by utilizing the collateral value of real estate you own in order to get funding for your business. A commercial real estate loan is most commonly used to turn your equity into needed working capital, refinance your real estate to increase cash flow, or to purchase a new property for expansion or growth.

A VA loan is a personal loan offered by Veterans’ Affairs to most members of the military, veterans, reservists, and National Guard members. While VA loans are restricted to mortgages, refinancing, rebuilding, and expanding or extending a personal home, the SBA does offer a loan service called the “Patriot Express” which is a more traditional business loan to help veterans start their small businesses.

Some government agencies do offer small business loans or grants specifically for minority-owned businesses. They’re excellent programs and we encourage anyone who may be eligible for those offers to check them out and see if they qualify. Unfortunately, As a private business, as well as an online lending marketplace, we do not have any options that we can offer exclusively to minorities.

The most commonly accepted definition is loans of a relatively small dollar amount used to help small businesses and entrepreneurs grow or sustain their businesses. The dollar amounts, according to bank definitions, range from $500-100,000. The average micro loan in the U.S. is just $13,000, but businesses in the United States only receive a very small percentage of the micro loans around the world.

How do business loans work

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My Paycheck – How Do Small Business Loans Work, how do business

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How do business loans work

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How do business loans work

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How do business loans work

How do business loans work

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How do business loans work

How do business loans work

How do business loans work

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How do business loans work

How do business loans work

How do business loans work

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How Do Business Loans Work, Fortress Funding, how do business loans work.#How

How Do Business Loans Work?

What Options Are Available To You?

Traditionally the “Big Four” banks have all offered pretty much the same stuff. That is if you want to borrow money for a business purpose the price goes up. As well as this you need to track down a banker that can take the time to understand your business and appreciate things from your side of the desk, not just the Credit Department’s side of the desk.

There is not question, its getting harder and harder to get good service in the Small to Medium Business, (SME), sector. In fairness to the “Big Four” its hard for them as well. They want it do but they are pushing their managers, branches and infrastructure in general as hard as they can and that rarely co-exists with relationship building and great service.

Its not just pricing and access to good service or advice that makes loans for SME’s hard everything else gets harder as well.

Here s How Business Loans Can Get Harder

The loan term might be restricted putting cashflow pressure on your business

Take this example of a commercial loan of $750 0000 for the purchase of a commercial warehouse.

Commercial loan of $750,000 at 5.42% pa

How do business loans work

Latest Blogs

  • How do business loans work

The Truth About Refinance and Three Options for Immediate Action

Why would you consider refinancing your loans? 9 out of 10 clients that we review could re-arrange their loans to be either cheaper, more appropriate or both! It’s worth asking the question, isn’t it? After all we don’t know what we don’t know. When you took out your last loan did [. ]

  • How do business loans work

What Is A Second Chance Loan?

Second Chance Funding How It Can Work For You What is it? Second Chance Finance is a flexible loan offered by lenders for those with bad credit or a less than perfect credit history. It’s a way that you can get yourself back on track quickly and easily. It’s not something your bank [. ]

  • How do business loans work

How Do Business Loans Work?

How Do Business Loans Work? What Options Are Available To You? Traditionally the “Big Four” banks have all offered pretty much the same stuff. That is if you want to borrow money for a business purpose the price goes up. As well as this you need to track down a banker that can [. ]

Looking at the loan in simplistic terms you would say the cost is 5.42%pa or $40650 each year in interest. However, when you look at all the other associated costs the bank is charging an average of $44890 per year. Effectively that’s 5.96%pa. or put another way an additional $21 200 over the 5 year period.

In addition to this you have the hassle, and anguish, of having to prepare interims and hope that the bank remains happy.

Every time you provide your lender information you risk something changing that you may not have anticipated. The opposite can be true but that’s usually only because you know how to “work the system”.

When was the last time your bank manager rang you up and offered to reduce your lending costs?

When was the last time your bank manager called you?

Consider This

Firstly, let’s be clear – you do not have to move your transaction banking.

Commercial lenders love you transactional banking accounts. It gives them your funds on deposit for free, the ability to charge account keeping fees and the ability to look inside your business – without you knowing.

New ways of funding commercial loans are out there. For example set and forget commercial loans and sometimes at home loan rates. Why would you pay commercial interest rates, have a shortened loan term and prepare interim financials if the bank could use equity in your home for your commercial loan?

You can make this happen if you know which lenders to talk to and how to go about it. No disruption to your business banking accounts, your internet banking or credit cards – just cheap efficient loan accounts.

Even if you prefer to, or already have offered your commercial premises as security rather than your home, (or a mix of the two), you can have a set a forget commercial loan with no ongoing fees over 20 years. There is of course always the option to go interest Only as well.

Consider the information below, it’s for the same $750 000 that we looked at earlier.

Commercial loan of $750,000 at 4.89% pa

How do business loans work

In this example the same loan costs an average of $37 087pa. over a 5 year period. That’s effectively 4.94%pa. (compared to 5.96%pa above).

The only thing that has changed is we did it smarter!

All your day to day banking stays in place uninterrupted. The cost of making the changes, (assuming an application fee of $1000 and a valuation fee of $1060) would be recovered in a couple of months.

It s All About Who You Know

Not all lenders are the same.

The market is super competitive at the moment with fintech innovators and new banks coming into the market and in particular into the commercial market. It’s no longer the exclusive domain of the “big four”. Many of these lenders are choosing to get to their clients via brokers. Its gives them the benefit of cheaper distribution channels but more importantly reduces their costs which are then reflected in what they charge you, the borrower.

More importantly they are hungry to do business and there are many ways that we can take advantage of this. You can take advantage of it all, with a little help from someone in the know.

Understanding the lenders and their niches and combining that with finding the right people inside these lenders is always far more likely to get you a suitable and sustainable outcome that might be just right for you. Sometimes it’s a combination so lenders or lender products, sometimes it’s a “re-jig” of your loan products after come consultation with your accountant. Sometimes it’s about releasing a security property like the family home for example and sometimes it’s about separating out your liability from that of your business partner’s liability.

It s A Bit Like Goldilocks And The Three Bears

The three Big Bears are:

  1. Why do commercial loans cost so much?
  2. Why do I need to spend so much money and time simply maintaining the loan going forward?
  3. How do I find the right bank and bank manager that has the time to understand my business?

How do business loans work

Goldilocks is obviously “Just right”. That is a combination of a well priced maintenance free loan portfolio with the support of an experience broker that can ensure that your needs are understood and met by the lender on an ongoing basis.

The one thing for sure is that it’s not just a matter anymore of turning up to your local branch, filling in a form and hoping for the best!





Learn How Loans Work Before You Borrow, how do business loans work.#How

Learn How Loans Work Before You Borrow

How do business loans work

When you borrow money, it’s important to know how loans work. With a better understanding of loans, you can save money and make better decisions about debt – including when to avoid it. Learn how loans work before you start borrowing.

The Cost of Money

What does it take to get money? More money. When you borrow, you have to pay back the amount you borrowed plus interest. You may also have to pay fees.

Costs are a key part of understanding how loans work and which one to choose; in general it’s best to minimize costs, but costs are not always easy to understand. Lenders don t often show exactly how loans work and what they cost, so it pays to run the numbers yourself.

For most loans, a basic Loan Amortization Calculator will illustrate how things work. If you really want to play with the numbers, use a spreadsheet to see what happens when you change the variables.

Costs can be tricky, so be sure to consider interest rates and transaction fees as you study how a loan works.

Paying Down the Loan Balance

It’s only a loan if you repay it. As you figure out how loans work, you’ll see that most loans get paid off gradually over time. Each monthly payment is split into two parts: a portion of it repays the loan balance, and a portion of it is your interest cost.

An amortization table shows how this works, and how interest costs go down over time.

A loan may or may not have a term – a length of time over which you repay it. Some mortgages last for 30 years, while other loans may only last 3 years. Credit cards are revolving loans, meaning you can borrow and repay as many times as you want without applying for a new loan.

The term affects how your loan works; shorter terms require larger payments.

Qualifying for a Loan

To get a loan you’ll have to qualify. Lenders only make loans when they think they’ll be repaid. Your credit is important in helping you qualify, since it shows how you’ve used loans in the past. Good credit means you’re more likely to get a loan at a reasonable rate. You may also need to show that you have enough income to repay the loan.

If you don’t have strong credit or if you’re borrowing a lot of money, you may also have to secure the loan with collateral. This allows the lender to take something and sell it if you’re unable to repay the loan. You might even have to have somebody with good credit co-sign the loan, which means they’ll promise to repay it if you can’t.

How Loans Work in Practice

Now you know more about borrowing in general, but how do loans work in everyday life? When you want to borrow, you visit with a lender and apply for a loan. Your bank or credit union is a good place to start; you can also work with specialized lenders like mortgage brokers and peer to peer lending services.

After you provide information about yourself, the lender will evaluate your application and decide whether or not to make the loan.

If you’re approved, the lender will send funds to you (or it may go directly to another person – somebody you’re buying a house from, for example). Shortly after funding, you’ll start to repay – usually monthly.

If you want to save money, you can generally repay loans early. Figure out how your loan works to see if there’s any cost to prepay, and make sure it makes sense before doing so.





Chris Brogan says the Most Successful Small Businesses Do THIS #business #credit

#most successful small businesses

#

Chris Brogan says the Most Successful Small Businesses Do THIS

Many people work 9-to-5 jobs for 30 years — praying only for the day they can retire.

And they complain the whole time on Facebook about how much they hate their jobs.

Yuck! I can’t fathom that.

I love working for successful small businesses. And luckily, I don’t have a regular job.

But what does it take to REALLY succeed as an entrepreneur?

Chris Brogan says the Most Successful Small Businesses Do This

And during a recent interview with MSNBC, Chris dropped some serious knowledge about staying weird making your customers feel like they belong to your tribe.

Pay attention here:

One of Brogan’s best small business tips is that you’ll attract opportunities by standing out being different.

Follow outgoing examples from free-spirited entrepreneurs like Richard Branson, he says.

Here are 4 other juicy nuggets from this stellar interview:

1. Business is About Belonging

People want to be part of a tribe or community.

2. Share the Passion Not Just the Product

Passion drives folks to do what they love. How can you leverage that passion for your business?

3. Make Your Buyer the Hero

Discuss how your product or service makes your customers heroes — not too promotional, though.

4. Tell Their Story, Not Yours

Our product helped Johnny make $100k this year.





How Do I Know If I – m Qualified to Be a

#business analyst

#

How Do I Know If I m Qualified to Be a Business Analyst?

Are you exploring a career in as a business analyst? Do you find yourself wondering if your skills and experience are relevant to a business analyst role? Would you be interested in learning about how qualified you are to be a business analyst?

We re going to talk about how to know if you are qualified to be a business analyst, but first I m going to share a funny story with you.

(Before I forget, I want to be sure you know about my step-by-step BA career planning course (it’s free) that’s designed to help you, the mid-career professional, kick-start your business analysis career. The course will help you dig deeper into each of the concepts outlined below.)

Just last week, the night before my birthday, I walked down the short flight of stairs after putting our daughter to bed. I smiled at my husband. He was making an odd expression. I continued to look more deeply at him to figure out why.

I walked over to where he was sitting and said, What s that goofy face for?

He says, You didn t see it, did you?

Me: See what?

He shifts his eyes back toward the stairs. On the ledge we have right in front of our stairway were a dozen yellow roses laying out in plain sight.

I couldn t believe I had completely missed them. For a split second, I even starting thinking that just maybe my husband tele-ported them there, but then I remembered the laws of physics and found my own eyes to be the culprit.

I was looking at my husband and his funny expression instead of what was right in front of me.

This same sort of thing happens to all of us, all of the time. We often don t see what can be obvious to other people or even what other people expect we should obviously be seeing. In all the work I do with professionals transitioning into the BA profession, the most prevalent problem I see is that they overlook significant relevant and transferable skills from their own career background.

As a result, their answer to the question, Am I qualified to be a business analyst? is a resounding no when it should be a yes or at least a some of the time . (And as we ll see in a bit, some of the time can be a very effective path to business analysis.)

Today, I d like to help you see the bouquet of roses waiting for you on the ledge at the bottom of the stairs. And to do that we need to look at the concept of transferable skills.

What are Transferable Business Analyst Skills?

Transferable skills are skills that you’ve built through experiences in your past roles. In the context of business analysis, transferable skills are BA techniques you’ve used in non-BA jobs or soft skills you’ve developed in perhaps unrelated roles.

Transferable skills can help you skip past entry-level business analyst positions. This is especially important because there tend to be very few entry-level business analyst positions. And those savored few entry-level positions tend to favor recent college graduates without the salary requirements of an experienced professional.

If you do have even a few years of professional experience, and a fair amount of the 42 reasons to become a business analyst resonate with you, then you have transferable skills. Getting clear and confident about them is part of your path to success as a business analyst and figuring out what roles you qualify for.

But What Business Analyst Qualifications Are Transferable?

When transitioning to business analysis, there are many areas in which to look for your business analyst qualifications. A good first step is to review our list of core business analysis skills that are important for a new business analyst and start mapping your experience to these skill areas.

Here s a rundown of what you can expect to find during this process:

  • The core business analyst skills. those you might find mapped out in the Business Analysis Body of Knowledge® (BABOK®). will help you get past the screening process for a business analyst role. Any given hiring manager tends to have a checklist of key qualifications they absolutely want to have met by a potential candidate. And even if your experience is informal. it s likely that you can map it to a more formal deliverable or analysis technique. Use the BA terms (appropriately) in your resume and in a job interview and you ll increase your chances of qualifying yourself for a business analyst role.
  • Although managers screen for a specific set of core business analyst skills, they often hire for soft skills. such as relationship-building and the ability to communicate with a diverse set of stakeholders from the business and technical communities. Understanding the key soft skills you bring to the table is critical. Being able to speak to specific experiences where you used those soft skills in a BA context (or close to BA context) can increase the number of BA jobs you ll qualify for.
  • Then there will be skills that set you apart as a candidate and qualify you for specific types of BA positions. These vary widely from technical skills, to specific business domain knowledge, to experience with specific types of business applications.

What Do I Do with My List of Business Analyst Qualifications?

Even with a list of transferable business analyst qualifications in hand, a transitioning BA can get understandably frustrated. What business analyst roles do these skills qualify you for? It can often seem as if the grass is greener on the other side of the proverbial fence .

  • If you don t have an IT background, it can seem as if every possible BA job you look at requires some obscure technical skill you have no interest in building.
  • If you do have an IT background, but no business experience, it can see as if every possible BA job you look at requires business domain experience.

While you will most likely find that the number of roles you aren t qualified for outweigh the number of roles you do qualify for, your career background will qualify you very strongly for a specific set business analyst jobs .

  • If you have a technical background. consider BA roles that include systems analysis responsibilities or blend selected IT duties with a business analyst role. Your experience with specific technologies could qualify you for specific BA roles.
  • If you have a business background from a specific functional area (such as customer service, human resources, or finance), consider BA roles working on the business applications with which you are familiar or supporting this area of the company. Your familiarity with the terminology and processes for that functional area could qualify you for specific BA roles.
  • If you have deep experience in a specific industry. consider business analyst roles in that industry. Your understanding of the industry environment, terminology, and core processes could qualify you for specific BA roles.

To sum things up, the answer to the question about whether or not you are qualified to be a business analyst requires a bit of analysis. First, you must discover your business analyst skills. Then you want to map them to the types of roles you see in your local job market. Most likely, you will find yourself to be very qualified for some roles, partially qualified for others, and not at all qualified for still others (and this last set will most likely be the biggest, and that s true even for BAs with formal experience).

With this information in hand, you can decide how and if to move forward in your BA career. And keep in mind, just like those I work with on their career transitions, it s quite possible and actually very likely that you have more relevant experience than you think, and you won t realize what those qualifications are until you go through a skills discovery process .

Find Your Path Into a Business Analyst Career

After reading and working through the exercises in How to Start a Business Analyst Career. you’ll know how to assess and expand your business analysis skills and experience.

This book will help you find your best path forward into a business analyst career. More than that, you will know exactly what to do next to expand your business analysis opportunities.

Click here to learn more about How to Start a Business Analyst Career

Stay informed about new articles and course offerings.




What Can I Do with My International Business Major? #business #day

#international business jobs

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What Can I Do with My International Business Major?

Overview

The International Business major, in the McDonough School of Business, provides excellent preparation for students interested in careers involving the coordination of human and material resources toward the achievement of the international goals of the organization. In addition, international business requires special skills to adapt management methods to the needs of foreign environments.

The concentration is intended to prepare the student for administrative positions in international divisions of American companies; careers in the national or international government agencies concerned with international trade development, the establishment of international businesses; and careers in commercial and investment banking.

Skills

The study of international business allows for the development of a core set of skills sought after by employers in a wide range of occupational settings. A sampling of representative skills and abilities follows.

  • Analyze complex and unstructured data
  • Evaluate risks and opportunities
  • Coursework in Finance/Marketing/Management
  • Communicate clearly and persuasively
  • Diplomacy and negotiating
  • Networking
  • Public speaking
  • Awareness of international figures and news
  • Cultural sensitivity
  • Understanding of international politics
  • Understanding of trade regulations
Sample Internship Opportunities
  • Foreign companies operating in the United States (e.g. Chanel, Airbus)
  • Government Agencies (e.g. US Department of Commerce, State, Treasury)
  • Government Relations (e.g. Council on Foreign Relations)
  • International Banks (e.g. World Bank, Export-Import Bank, International Finance Corporation)
  • Multinational corporations (e.g. Viacom, L’Oreal, Hilton, Ogilvy Mather, Saatchi Saatchi, Disney, Goldman Sachs)
  • Nonprofit Organizations (e.g. Human Rights Watch, Amnesty International)

Where are Georgetown International Business Majors Now?

  • Financial Analyst
  • Stock Broker
  • Product Manager
  • Economist
  • Consultant Foreign Exchange Trader
  • Foreign Service Officer
  • Trade Specialist
  • Import/Export Coordinator
  • Lawyer Marketing Manager
  • Public Relations Specialist
  • Advertising Executive
  • Human Resources/Human Capitol Management
Relevant Web Sites and Publications
Professional Organizations

For information about career options, internship and full-time opportunities, contact the Career Education Center at One Leavey Center, (202) 687-3493.





What is business acumen and how do you get it? Practically Perfect

#business acumen

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What is business acumen and how do you get it?

September 9, 2013 December 29, 2015

Over the last few weeks I have been developing a twitter strategy for one of my company s clients. They are an online events business and we are helping them with their marketing so I have been learning about hybrid and online events. I already know how to market via social media, I understand the world of events and I can create content fairly easily but prior to. oh I don t know a few weeks ago I knew very little about hybrid events. I would be able to tell you what a hybrid event was but very little else, now I have online event information seeping out of every pore (it isn t very pleasant!)

The reason I can bring myself up to speed so quickly is because I have spent 10 years working as an assistant and I have become very good at developing business acumen! I also hopped from one industry to another so I had to constantly learn how these business were run, the jargon that was used and the different codes of conduct each industry sector had. I had to understand all of this to support my boss effectively.

I think it is so very important for assistants to have good business acumen because without it I don t see how we can support our managers or move up the career ladder.

So what is business acumen?

I really like this definition of business acumen, it is from the Financial Times Lexicon :

In practice, people with business acumen are thought of as having business sense or business smarts . They are able to obtain essential information about a situation, focus on the key objectives, recognise the relevant options available for a solution, select an appropriate course of action and set in motion an implementation plan to get the job done.

So that sounds easy to achieve right? Erm no, I didn t think so either! Developing business acumen takes time, it has to be achieved through learning and training and ultimately it has to be part of your ongoing development plan. Expanding your business acumen has to be constant.

Having strong business sense isn t easy to develop but it is incredibly important for an assistant to have. We support people that have very strong business acumen, they wouldn t be in the position they are in without it! How can we support them if we do not have an understanding of their business, their strategic objectives and the pressures they face on a daily basis? The difficulty is that a lot of organisations don t understand this need and do not offer assistants the opportunity to attend training courses or take time out of their day to build their business acumen. Many bosses do not see the potential in their assistants or the added bonus of having an assistant with a good knowledge of the business and what that means in terms of the extra support they would receive.

So how do we develop business acumen?

There are of course ways around this problem but it does mean that assistants will have to be particularly proactive in developing their own business acumen. Trust me though it is totally worth the effort!

Firstly, is your manager supportive of your training needs? If so, well done! Ask that you attend training courses on the areas that you could improve, for example business finance or process management. If your manager is supportive then build business acumen improvement into your overall development plan and ensure you have an objective based on the wider business such as working on a cross departmental project.

Does your organisation have a graduate programme? If it does then ask to attend their initial training sessions on the industry. I did this when I first started working in insurance. There was so much jargon and codes of conduct, especially when working with Lloyd s of London that I asked to attend an Introduction to Insurance course which was in-house and specifically for the new graduates. I was the only EA on the course but it was so helpful and didn t cost my company a penny.

Does your manager subscribe to business magazines? If they do, this is great because you open their post and can read the magazines before giving it to them! Don t worry I don t think they will be offended that you are reading their magazine they will probably be in total shock that you are taking an interest! Not only does this help with your business knowledge it also gives you something to talk to your boss about, which is great when you don t have a lot in common.

This brings me to a really important point! Read everything. I love Julie Perrin s blog on business acumen for administrative professionals because it really goes into detail on what assistants should be reading and how to actually create the time to read. This is well worth the read, once you ve finished reading my blog obviously! Reading business material does not cost your company anything and I honestly think it helps enormously.

Do you take minutes at meetings? Again this is another fantastic way to increase your business acumen. In a previous role I managed 12 Committees all of which had a special interest in different areas of accountancy. I attended all of the Committee meetings and took all of the minutes. During the meetings I would really listen to what everyone was saying and take notes on anything I didn t understand so that I could research it later. I would also talk to the members during refreshment breaks and read all of the supporting documents along with their regular newsletters. Oh my goodness, by the end of the 4 years I worked in that role my knowledge of accountancy was extraordinary! I once attended a networking event for one of the Committees and talked to a new member for half an hour before he realised I wasn t actually an accountant (thank God!)

Lastly do you attend meetings with your manager? This task will bring you into contact with the company’s decision makers and you will be privy to their conversations and how they come to make decisions. Ensure you listen to these people. If you know why decisions are made in the company then you can start to make choices about your everyday work following the same strategy as the executive team. This will massively increase your knowledge and keep you focussed on improving your business acumen. When it comes to your review you can demonstrate to your manager that not only do you understand the company’s strategy but you are also implementing it into your own work by thinking strategically. This depth of knowledge will be impressive because they might not think you consider the bigger picture.

Understanding the bigger picture, where your boss fits into it and in turn how you can help support their goals is a fundamental requirement of a great assistant. Developing your business acumen will also give you a fantastic foundation and allow you to move up the career ladder and gain a well deserved promotion.

And the ability for both of you to exchange information easily online
makes your being in-house less of a need. Audit-ready books
also enable a company to make more knowledgeable decisions on a time-sensitive basis.
If you are an employee of such a company, you need
to preserve the company. On the grounds that clerk services are
frequently served on an hourly groundwork, people who work snappier will permit you to
recover more.





RCM Business – Do You Know These Facts About #business #quiz

#rcm business

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RCM Business Do You Know These Facts About RCMBusiness.com

RCM Business is one of the top MLM company in India right now. It has become popular over the years because of its excellent marketing strategy and the benefits that a customer gets.

If you are thinking of joining RCM Business then I strongly recommend you to read this article so that you can know some of the facts which you can’t know either from your seniors nor from the official website RCMBusiness.com.

I have worked with RCM for more than 2 years now. And I know everything about the company, hence I could guide you in way that you will never get things wrong way. I am sure, it will give you some of the useful information that can help you to decide if you want to join this company-

Even if you are already joined in RCM business, you will find some of the important things for you

So here are some of the points that you need to ponder upon.

About RCM Business

RCM Business belonged to Chabra Group. The company is growing rapidly and it has more branches in India than ever.

It has over 8 million distributors, around 100 depots, more than 5000 PUCs, 1000 bazaars and shopping points and around 750 good quality products.

The company is booming when it comes to network marketing. RCM Business is committed to high quality products and original services to distributors.

RCMBusiness.com is getting new distributors and it has also outsourced their job to people like you and me.

RCM basically a clothing company has become a giant when it comes MLM or multi level marketing company. Perhaps it is India’s biggest MLM company.

RCM Business

First you got to understand the business of RCM. RCM is basically a kind of MLM program where you spread word about the product and you get membership.

If you get more membership under your leadership then you make more profit. You got to convince people by telling advantage of their products and how they could make money by enrolling more people.

You have to do following things in the RCM business.

Become a Member by products or there is a paid membership

First you got to enrol in the RCM program and become a member. A member could be paid once. Once you become a member you get an authority to sell products to other people.

Becoming a member means you are part of a large network and you will be creating more members under your leadership.

You have to find new customers and sell products given by the company

As soon as you become a member you will get various products like grocery items, food items, toothpaste, soap, medicines, clothes, etc.

You have to sell these products to people and tell them to enroll the RCM program just like you did.

You must be smart enough for selling those products because you need to persuade people that you have something great to offer.

As you enrol new customers you get benefits and more money

Getting a new member under you means you are expanding your network. More members you enrol the more benefit and money you make.

If a new guy registers for RCM program for say Rs 4500/- then you get a cut on that. Hence if you enrol 5 to 10 people daily then you get 10 times more commission.

Thus you have to enrol more people and expand your network as much as you can. A successful MLM marketer is the one who has the biggest network of members under him or her.

Keep on increasing your network day by day

Now you got to expand your sphere of interest. You have to keep enrolling new people daily and that is a challenge.

You will not succeed if you cannot enroll new people in your network. You must be smart enough to learn various tricks about getting new members.

You could learn it from seniors and others who have great experience.

Focus on advertising skills and leadership quality

I will continue with last point saying focus on adverting skills. If you have to enroll new customers then focus on advertising.

You will be putting ads on newspaper, internet and public places like bus stops, college campuses, hospitals, parks etc.

Advertising must be powerful so that you can get member.

You also need great leadership quality.

It is because you would be managing dozens of new members under your leadership.

You got to guide them and tell everything what they need to do. Your success depends upon their success hence you have to ensure that they succeed. Teach them how to operate the website rcmbusiness.com and how they can enrol the new members.

So leadership quality is very important.

RCM Frequent Q and A

Q: Can you and your family buy and use products regularly?

A: Yes all your family can buy and use the RCM products and everyone is doing it.

Q: After you bought products from the company, do you get anything back? Or Manufactures, Dealers or Distributors give a share of profit or some income?

A: No, you will not get any money back or share of their profit. It is because you make your own money and you don’t have to depend upon distributors or dealers.

So you do not get anything back after you purchase RCM products.

Q: Are products cheap or very expensive?

A: Well, the products are generally cheap but some of them could be expensive also. So you have to choose according to your need.

Q: Who is prime beneficiary of all this, Manufacturers, Dealers, Distributors or the Customer?

A: If you want to know the reality then all of them are beneficiaries. But in the end you make most of the money as you get more members under you.

Q: I want to get in-depth knowledge about the program and the company. How do I get that?

A: Well you could visit their website www.rcmbusiness.com and find out more information. Read every page their and understand about the company. Moreover, you could also talk to their customer support and find out more information talking directly to agent there.

Q: Could I make money with RCM MLM program and become rich?

A: Yes there is an opportunity but you got to smart enough and know how to use RCM. You can definitely become rich if you work hard.

RCM Business Direct Seller

For becoming a direct seller for RCM you should have following documents.

  1. Two Passport size colored photograph (Applicant Name Father/Husband Name on Back Side ).
  2. Self attested photocopy of any of the following documents for photo identification.
    1. Passport (Valid)
    2. PAN Card
    3. Voter’s Identity Card
    4. Driving License (Valid)
  3. Self attested Photocopy of any of following documents for address proof:-
    1. Telephone bill not older than 6 months
    2. Bank account statement not older than 6 months(Attested by Bank)
    3. Electricity bill not older than six months
    4. Ration card
    5. Passport (Valid)
    6. Driving License (Valid)
    7. Voter’s Identity Card

Product Lists

Some of the products that RCM has are the following

TOOTHPASTE, TOOTH BRUSH, SOAP, DETERGENT, LIQUID BLUE, PULSES(DAL), SALT, CHILLI POWDER, ALL TYPES OF SPICES, HALDI POWDER, FLOUR (ATTA), TEA COFFEE, BISCUIT, PICKLES, SQUASH, FRUIT JAM, COOKING OIL, PAPAD, TOMATO SAUCE, HEALTH DRINKS, CHAVAN PRASH, DHANIA, HING, HAJMOLA, HAIR OIL, SHAMPOO, FLOOR CLEANER, UTENSIL CLEANER(SOAP/LIQUID), FINAYLE, MOSQUITO COIL, HAND WASH, NAPTHOLIN, PEN, PENCIL, KHATA, SHIRTS, SUIT LENGTH, SAREES, UNDER GARMENTS, COMPUTER ELECTRONICS, INSURANCE, STATIONERY

RCM Fraud

Finally I would conclude by saying you have to be very careful when it comes to MLM frauds. Today most of the MLM programs are fraud like Speak Asia which was the fraud of the decade.

Hence, before making any decision you have to be careful and find out every single detail about the company and their plan.

Always speak to their customer support and find out more information. This way you can surely avoid a big fraud.

This article is contributed by Shashi Suman from Bangalore who likes to write about MLM topics.





5 Things Not to Do Running a Small Business #home #based #businesses

#running a small business

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5 Things Not to Do Running a Small Business

January 12, 2016

I ve been a creative entrepreneur since 2005. My first design company was a partnership with my significant other. It was largely a freestyle experiment in running a business, conducted live over the course of five years. As a business, it was marginally successful. As a learning experience, it was my equivalent of a masters of business administration.

So, by the time I had started my second and current company, I had a pretty good blueprint of don t s for running a small business. I had been fortunate enough to make the mistakes that have yielded five valuable lessons learned — lessons that have truly paid off the second time around.

1. Don t rush into partnerships.

It was only after my original partner and I parted ways did I recognize that we should never have had a professional partnership in the first place. Just because someone is your best friend, long-time coworker and / or significant other hardly qualifies them as the perfect candidate for maintaining a business. I say maintaining because it s far easier to get excited about the prospect starting a company than being able to handle the day-to-day reality of running it efficiently.

The best partner is typically someone whose skills and approach are the polar opposite of yours. The first ensures the you are able to cover a lot more ground without additional employees. The second may create conflict, but it ll force you both to defend your business instincts and weed out lesser ideas before you waste resources.

2. Don t get discouraged.

Running a company isn t a goal — it s a long, winding road. Enjoy the process! Unless your goal is to cash out, and you ve got some built-in exit strategy, chances are you want a long-term entrepreneurial career. You will have ups, and you will have downs — possibly in the same week or even day. You will gain amazing clients and lose others for reasons fair and unfair. That s all part of having a business.

I ve yet to encounter a single business owner who s reached some grand, stable plateau beyond failure, disappointment and doubt. We all experience it. Instead of discouragement, focus on becoming more resilient, on learning how to handle stress productively.

3. Don t forget why you wanted to start a business in the first place.

Whether it s following a passion or having more control over your time to devote to family, always remember why you started down this road in the first place. It s easy to get carried away and forget what it was you wanted from your own business. I, for example, was driven by quality-of-life factors, especially time off for my other passion — travel. At times, temporary sacrifice may be truly necessary, but it pays to be conscious of when you re in danger of permanently shelving the very thing you wanted most.

4. Don t try to do everything yourself.

I started my first company with $500 — barely enough to cover the costs of incorporation. So, right away, I developed an addiction to doing everything myself. My partner was only capable, willing and able to do so much, and I found myself doing a lot of admin tasks I never anticipated. Those tasks came with learning curves, and they took up valuable time and energy — energy that could have been directed at helping the business grow.

I didn t make this mistake twice. With my second, far more successful attempt, I contracted my business half just a couple of months in. Although my expenses grew, now I could focus on doing better work as well as devote time to business development. Both actions helped to grow the company far quicker than my former money-saving attempts at being my own bookkeeper.

So, resist the urge to cover all the ground alone. Saving financial resources is important, but don t let your task list undermine your big goals.

5. Don t stop evolving.

Your strategy, your marketing plan, your target market — nothing is set in stone. The world is changing more and more rapidly each day. Your industry will likely experience a shift, whether slight or monumental, at some point. As a small business, you are at a disadvantage, because your resources are a lot more limited. But you have a priceless advantage in ability to change course and adapt far quicker than a larger organization.

The best way to remain relevant is keeping your eyes open for changing tides, your mind open to new ideas and staying flexible.

And, of course, don t be too afraid of making your own mistakes!





Chris Brogan says the Most Successful Small Businesses Do THIS #business #partners

#most successful small businesses

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Chris Brogan says the Most Successful Small Businesses Do THIS

Many people work 9-to-5 jobs for 30 years — praying only for the day they can retire.

And they complain the whole time on Facebook about how much they hate their jobs.

Yuck! I can’t fathom that.

I love working for successful small businesses. And luckily, I don’t have a regular job.

But what does it take to REALLY succeed as an entrepreneur?

Chris Brogan says the Most Successful Small Businesses Do This

And during a recent interview with MSNBC, Chris dropped some serious knowledge about staying weird making your customers feel like they belong to your tribe.

Pay attention here:

One of Brogan’s best small business tips is that you’ll attract opportunities by standing out being different.

Follow outgoing examples from free-spirited entrepreneurs like Richard Branson, he says.

Here are 4 other juicy nuggets from this stellar interview:

1. Business is About Belonging

People want to be part of a tribe or community.

2. Share the Passion Not Just the Product

Passion drives folks to do what they love. How can you leverage that passion for your business?

3. Make Your Buyer the Hero

Discuss how your product or service makes your customers heroes — not too promotional, though.

4. Tell Their Story, Not Yours

Our product helped Johnny make $100k this year.





About Sumy Designs – Who We Are and What We Do –

#business website design

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Who We are and What We Do

We are Sumy Designs, LLC. Our business is based in West Lafayette, Indiana.

Our History: Sumy Designs was created by two sisters, Susan Sullivan and Amy Masson in 2006. Susan had been working as an advertising and marketing director with a large publishing firm while Amy had been teaching computer technology. After leaving those respective career paths, a friend asked if we’d like to make a website for her. We said yes. A friend of this friend saw that website and asked us to make a website for her. We said yes. And so and so forth and now we have created many, many sites for many happy clients across the US, Canada, and England.

Susan is our designer, in charge of all things creative and beautiful. She has the vision and skills it takes to create custom masterpieces for every project.

Amy is our resident technical expert, with the skills to make every website function as it should.

Interesting fact: While the business is based in West Lafayette, Susan lives in the Dallas Forth Worth area. We work together virtually, via email and video chat, to seamlessly design, manage, and maintain projects of all sizes.

Where’d you come up with the name Sumy? It’s a combination of our first names. SU san and aMY.

Our Support Team

While Amy does the behind the scenes work and Susan does the design, there are a lot of other areas that need attention, so we have recruited a team of fabulous people to work with us to bring these jobs to completion. Being a virtual business, we are able to employ people from all over the country to work with us.





How do I fund, or raise finance, for a franchise in the

#franchise loans

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Franchise Banks

whichfranchise Finance

For over 18 years, whichfranchise has been providing prospective franchisees in the UK with information and advice on funding a franchise. We have, and continue to work with some of the leading banks in franchising as well as other franchise finance specialists. In our dedicated section to franchise funding you can enquire about how much money you can borrow as well as how to approach a bank for finance, you can put any franchise finance related questions you have to one of the leading franchise specialist bankers in the UK, identify the true cost of buying a franchise and the importance of having a business plan and what should be included in it.

Enquire about funding a franchise

If you are interested in a franchise and wish to find out more about how much money you can borrow towards it, you can contact Lloyds Bank franchise division for further information and/or an informal chat. Click here to contact Lloyds Bank

Funding a franchise advice

Buying a franchise is a big step and, in a lot of cases, a big investment for most. It is vital that you check how much finance is available to you. Knowing this will also help with your decision as to which franchises are available within your budget. Read more about how to raise finance and funding options available to you

Franchise business plan

The business plan has two main purposes – obtaining finance from the bank and clarifying your aims and objectives. Here we look at the importance of the business plan and what should be included in it. Read more

IN ASSOCIATION WITH

Find out how much money you can borrow

Ask the finance expert

Richard Holden – Lloyds Bank

Richard Holden is Head of Franchising for Lloyds Bank. He has 32 years banking experience and has supported a wide range of businesses in the small business sector for many years. He is responsible for providing support to the Lloyds Bank Business Managers, assisting them in assessing proposals from prospective franchisees. He is also responsible for ensuring that the network of local business managers has up-to-date information on the franchise systems operating within the UK.

Cost of a franchise

When looking at the cost of a franchise it can sometimes be confusing with talk of franchisee fees, deposits, average cost etc. In this section we look at how to identify the total costs of a franchise including explaining the difference between franchise fee, deposits, working capital, as well as how to verify a franchisor’s projections.

  • Real cost of investing in a franchise
  • Franchise deposits
  • Franchise fees
  • Evaluating financial aspects of a franchise
  • How to verify a franchisor’s projections

How to approach a bank for finance

When it comes to financing a business start-up, banks are favorable to franchising. The regard lending to prospective franchisees looking at well-structured ethical franchise systems a safer option than someone starting from scratch on their own.





Which Web Host Do You Need? Six Small-Business Plans Compared #business #schools

#business web hosting

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Which Web Host Do You Need? Six Small-Business Plans Compared

Websites don’t build themselves. They require a considerable investment of energy, expertise, and design know-how to construct and launch. But building a site is only half the story: Websites also have to be hosted on servers. ready for–you hope–the thousands of people who are dying to read your content, hire your firm, or pay for your services.

A comparison of the pricing and basic features of six Web hosts. Much like the servers that websites reside on, Web hosting services are rapidly approaching commodity status, as providers offer many of the same features while racing to the bottom on pricing. But although many Web hosting services look alike and cost about the same, appearances can be deceiving–there are nontrivial differences, particularly among higher-end plans. (Check out “Understanding Web Host Plans ” for more details on what various terms mean.)

While hundreds of options are available, this article takes a closer look at some of the big players (along with a few smaller ones). The chart shown here outlines several basic features:

Pricing: What will all of this cost you? All prices are rounded to the nearest dollar, and generally reflect the cheapest long-term contract available. Remember that discounts, promotions, paying up front, and signing up for multiyear contracts can cause these figures to fluctuate considerably.

Catch-all email: Does the host offer a service to route all email sent to any address (whether or not that address has been set up) to a catch-all inbox?

Email autoresponders: Is a service that can automatically respond to incoming email included?

Static IP addresses: Does the site provide static IP addresses (for an additional charge)?

24/7 phone support: Is round-the-clock support available at no charge?

Another chart, on the second page of this article, compares site-building tools and other features for developers.

We chose not to focus heavily on ISP-delivered Web hosting services, since generally you can purchase them only if you use that ISP for your Internet access. However, a basic plan usually comes free with your monthly account, and if your needs are (very) simple, using such a plan beats paying for a separate Web host.

Comcast

Let’s be real: The only reason anyone would host a business website with Comcast or another ISP is because it’s free, included with the price of your Internet service. And with that free service, you get what you pay for: Comcast allows an ultrabasic website with a maximum of three pages, no shopping carts or extra site tools, and just 10MB of storage space and a 100MB data-transfer limit each month. The management interface is spare.

This kind of service may fit some business users just fine, namely the ones who simply want to put a calling card on the Internet in order to stake their claim to a domain name, build up a little SEO, and provide contact information to prospective customers. But for most businesses, basic ISP hosting just won’t cut it for their needs.

You can upgrade the service plan so that it’s competitive with other hosts, but prices escalate exceedingly quickly. Comcast’s most expensive offering, at a stunning $80 added to your bill per month, is in line with the $4 or $5 monthly service plan that you can get from virtually anyone else.

BlueHost

BlueHost built its Web hosting management interface around the cPanel control panel, a truly ugly and utilitarian system that is nonetheless the industry standard today. cPanel is designed for pros who know what they’re doing, and BlueHost offers little hand-holding if you need help getting started (although the company promises average tech support hold times of less than 30 seconds).

But what BlueHost lacks in friendliness it makes up for in exhaustiveness: With over 75 installation scripts at hand, you can point and click your way to building just about any kind of website–blog, wiki, e-commerce–without a lot of fuss. The service plan is unremarkable yet comprehensive and–the big draw for most BlueHost customers (including this writer)–cheap. Pro packages can reach $20 a month, but most customers squeak by on the less-than-$4-per-month basic plan .

1 1

You surely know the name–any computer-magazine reader should be familiar with 1 1. thanks to its generous print-advertising budget. 1 1 lets you configure your service in one of two ways: either with a traditional Linux or Windows hosting plan, or with a unique plan called 1 1 MyWebsite.

The main difference between the two is that the latter includes the MyWebsite website-building app, a surprisingly powerful and easy-to-use system that gives you drag-and-drop design capabilities and hundreds of templates to use on your hosted website. We found using MyWebsite even easier than setting up a site in a simple tool like Blogger, and businesses with modest needs will probably love the features. It’s just a shame that MyWebsite isn’t also included as an option with the traditional hosting options. If you go with a more standard Linux hosting account, the default site-building tool you get is a much less exciting app called 1 1 WebsiteBuilder.

Beyond those tools, 1 1’s control panel is decidedly limited, and a bit confusing. But once you find the boatload of install scripts available, you’ll discover that they’re among the best in the industry. Along with various homegrown apps (including its own shopping-cart system), 1 1 supports a bevy of industry-standard add-ons, and it even has mobile website management and monitoring tools for your smartphone. 1 1 also touts its uptime, noting that it stores user data simultaneously in two separate data centers located 20 miles apart to guard against disasters.

If you do consider 1 1, remember to skip the stripped-down Starter package. The Unlimited and Business plans are available for essentially the same price, and offer much more in the way of features.

Which Web Host Do You Need? Six.





What Is A Business Analyst And How Much Do They Make? #business

#business analyst salary

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What Is A Business Analyst And How Much Do They Make?

Over the last few years, the generic job title of business analyst has become popular in multiple industries. Although job duties can vary immensely, in the most general terms, business analysts work within a business or organization to identify and implement improvements to help a business achieve its goals. The title of business analyst can describe both entry-level workers and tenured professionals and compensation varies accordingly. This article discusses the work, compensation, and outlook for business analysts.

The Basics of Business Analysis

Business analysis is a disciplined, structured, and formal approach to analyzing a business process, identifying improvements, and implementing changes so that the business can better achieve its goals. It is based on facts, figures, and observations.

The International Institute of Business Analysis provides this job description, “A business analyst works as a liaison among stakeholders to elicit, analyze, communicate and validate requirements for changes to business processes, policies and information systems. The business analyst understands business problems and opportunities in the context of the requirements, and recommends solutions that enable the organization to achieve its goals.”

Business analysts can serve in many functions in almost any industry. For example, a systems analyst is a business analyst that focuses on how to best use technology to solve problems and improve outcomes. Other job titles where an employee perform business analysis include data analyst, solutions provider, change agent, requirements manager, specifications writer, researcher, product owner, product manager, or management consultant.

Business analysts may perform quality assurance, requirements gathering, documentation, or client support. They may also specialize in improving sales, by focusing on pre-sales, customer service. client relationship, and account management. Business analysts may also be very internally focused on process improvements within an organization and coordination across multiple departments and stakeholders.

Some qualities of a good business analyst include the following:

• Good listening skills

• Openness to change

• Adept in multitasking

• Expertise in prioritization, based on needs of multiple stakeholders

• Good negotiation skills, to seek timely buy-in on important decisions and prioritization from all stakeholders

• Identifying process improvement opportunities which can lead to efficiency and output improvements

Education and Career Path of Business Analysts

A bachelor’s degree or higher is required. Possible majors include finance, technology, management, and accounting. Because of the number of skills required, most business analyst positions are not open to new college graduates. Most business analysts attain their first position after a few years in a related position such as data analyst, functional analyst, systems analyst, business requirements analyst, or financial analyst.

The career path of a business analyst can include becoming a senior business analyst, a business analyst specialist in specific areas (such as SAP, Agile, or ScrumMaster), a business manager, a business architect, an enterprise architect, and finally a director or VP-level position. Other experienced business analysts become independent consultants, taking assignments on contract.

Almost any industry can employ business analysts, but most jobs are in information technology or management consulting firms. Other industries include accounting. investment banking. finance. and market research.

Salary and Compensation for Business Analysts

Compensation varies widely and is determined by the factors like location, experience level, and industry. For example, a business analyst working in a large New York-based investment bank will earn more than a business analyst performing market research for an automobile company in Michigan. Candidates who specialize in a specific technology (like SAP) may command higher premiums. Below are the average salary ranges and bonus percentages for business analysts.

  • Entry Level: $40,000 to $70,000 with up to an 8 percent bonus
  • Mid Career: $55,000 to $95,000 with up to a 10 percent bonus
  • Senior Level: $70,000 – $150,000 with up to a 10 percent bonus
  • Overall U.S. Average: $45,000-$110,000 with up to a 10 percent bonus

Business analyst is a general title for many different job functions in almost any industry. A good candidate should have an undergraduate degree and several years of work experience in the area of business analysis that he or she is interested in. Candidates can also take business analysis certifications courses like those from the International Institute of Business Analysis.





How do you define business development? #best #business #loans

#business development

#

Business development can be many things. It really depends on company. In my mind, however, the role of business development is to find new strategic opportunities for the company and start the company on the path to execute (incubation). It is not uncommon for business developers to have a combination of strategy, marketing sales, finance, legal, and operations background.

Based on my experience in business development, here s the flavors I ve run into (roughly from more to less common):

  • Partnership development
  • Strategic market development and sales
  • Strategic marketing
  • Mergers, acquisitions, and financing
  • New business line exploration
  • Channel sales
  • New product development

Edit added: More on how others perceive, define, and question the topic of business development here at http://steveshuconsulting .com/20.

Steve Shu specializes in incubating new initiatives with a primary focus on strategy, technology, and behavioral economics. He is author of Inside Nudging: Implementing Behavioral Science Initiatives and The Consulting Apprenticeship: 40 Jump-Start Ideas for You and Your Business .





How do I fund, or raise finance, for a franchise in the

#franchise loans

#

Franchise Banks

whichfranchise Finance

For over 18 years, whichfranchise has been providing prospective franchisees in the UK with information and advice on funding a franchise. We have, and continue to work with some of the leading banks in franchising as well as other franchise finance specialists. In our dedicated section to franchise funding you can enquire about how much money you can borrow as well as how to approach a bank for finance, you can put any franchise finance related questions you have to one of the leading franchise specialist bankers in the UK, identify the true cost of buying a franchise and the importance of having a business plan and what should be included in it.

Enquire about funding a franchise

If you are interested in a franchise and wish to find out more about how much money you can borrow towards it, you can contact Lloyds Bank franchise division for further information and/or an informal chat. Click here to contact Lloyds Bank

Funding a franchise advice

Buying a franchise is a big step and, in a lot of cases, a big investment for most. It is vital that you check how much finance is available to you. Knowing this will also help with your decision as to which franchises are available within your budget. Read more about how to raise finance and funding options available to you

Franchise business plan

The business plan has two main purposes – obtaining finance from the bank and clarifying your aims and objectives. Here we look at the importance of the business plan and what should be included in it. Read more

IN ASSOCIATION WITH

Find out how much money you can borrow

Ask the finance expert

Richard Holden – Lloyds Bank

Richard Holden is Head of Franchising for Lloyds Bank. He has 32 years banking experience and has supported a wide range of businesses in the small business sector for many years. He is responsible for providing support to the Lloyds Bank Business Managers, assisting them in assessing proposals from prospective franchisees. He is also responsible for ensuring that the network of local business managers has up-to-date information on the franchise systems operating within the UK.

Cost of a franchise

When looking at the cost of a franchise it can sometimes be confusing with talk of franchisee fees, deposits, average cost etc. In this section we look at how to identify the total costs of a franchise including explaining the difference between franchise fee, deposits, working capital, as well as how to verify a franchisor’s projections.

  • Real cost of investing in a franchise
  • Franchise deposits
  • Franchise fees
  • Evaluating financial aspects of a franchise
  • How to verify a franchisor’s projections

How to approach a bank for finance

When it comes to financing a business start-up, banks are favorable to franchising. The regard lending to prospective franchisees looking at well-structured ethical franchise systems a safer option than someone starting from scratch on their own.





RCM Business – Do You Know These Facts About #hot #new #business

#rcm business

#

RCM Business Do You Know These Facts About RCMBusiness.com

RCM Business is one of the top MLM company in India right now. It has become popular over the years because of its excellent marketing strategy and the benefits that a customer gets.

If you are thinking of joining RCM Business then I strongly recommend you to read this article so that you can know some of the facts which you can’t know either from your seniors nor from the official website RCMBusiness.com.

I have worked with RCM for more than 2 years now. And I know everything about the company, hence I could guide you in way that you will never get things wrong way. I am sure, it will give you some of the useful information that can help you to decide if you want to join this company-

Even if you are already joined in RCM business, you will find some of the important things for you

So here are some of the points that you need to ponder upon.

About RCM Business

RCM Business belonged to Chabra Group. The company is growing rapidly and it has more branches in India than ever.

It has over 8 million distributors, around 100 depots, more than 5000 PUCs, 1000 bazaars and shopping points and around 750 good quality products.

The company is booming when it comes to network marketing. RCM Business is committed to high quality products and original services to distributors.

RCMBusiness.com is getting new distributors and it has also outsourced their job to people like you and me.

RCM basically a clothing company has become a giant when it comes MLM or multi level marketing company. Perhaps it is India’s biggest MLM company.

RCM Business

First you got to understand the business of RCM. RCM is basically a kind of MLM program where you spread word about the product and you get membership.

If you get more membership under your leadership then you make more profit. You got to convince people by telling advantage of their products and how they could make money by enrolling more people.

You have to do following things in the RCM business.

Become a Member by products or there is a paid membership

First you got to enrol in the RCM program and become a member. A member could be paid once. Once you become a member you get an authority to sell products to other people.

Becoming a member means you are part of a large network and you will be creating more members under your leadership.

You have to find new customers and sell products given by the company

As soon as you become a member you will get various products like grocery items, food items, toothpaste, soap, medicines, clothes, etc.

You have to sell these products to people and tell them to enroll the RCM program just like you did.

You must be smart enough for selling those products because you need to persuade people that you have something great to offer.

As you enrol new customers you get benefits and more money

Getting a new member under you means you are expanding your network. More members you enrol the more benefit and money you make.

If a new guy registers for RCM program for say Rs 4500/- then you get a cut on that. Hence if you enrol 5 to 10 people daily then you get 10 times more commission.

Thus you have to enrol more people and expand your network as much as you can. A successful MLM marketer is the one who has the biggest network of members under him or her.

Keep on increasing your network day by day

Now you got to expand your sphere of interest. You have to keep enrolling new people daily and that is a challenge.

You will not succeed if you cannot enroll new people in your network. You must be smart enough to learn various tricks about getting new members.

You could learn it from seniors and others who have great experience.

Focus on advertising skills and leadership quality

I will continue with last point saying focus on adverting skills. If you have to enroll new customers then focus on advertising.

You will be putting ads on newspaper, internet and public places like bus stops, college campuses, hospitals, parks etc.

Advertising must be powerful so that you can get member.

You also need great leadership quality.

It is because you would be managing dozens of new members under your leadership.

You got to guide them and tell everything what they need to do. Your success depends upon their success hence you have to ensure that they succeed. Teach them how to operate the website rcmbusiness.com and how they can enrol the new members.

So leadership quality is very important.

RCM Frequent Q and A

Q: Can you and your family buy and use products regularly?

A: Yes all your family can buy and use the RCM products and everyone is doing it.

Q: After you bought products from the company, do you get anything back? Or Manufactures, Dealers or Distributors give a share of profit or some income?

A: No, you will not get any money back or share of their profit. It is because you make your own money and you don’t have to depend upon distributors or dealers.

So you do not get anything back after you purchase RCM products.

Q: Are products cheap or very expensive?

A: Well, the products are generally cheap but some of them could be expensive also. So you have to choose according to your need.

Q: Who is prime beneficiary of all this, Manufacturers, Dealers, Distributors or the Customer?

A: If you want to know the reality then all of them are beneficiaries. But in the end you make most of the money as you get more members under you.

Q: I want to get in-depth knowledge about the program and the company. How do I get that?

A: Well you could visit their website www.rcmbusiness.com and find out more information. Read every page their and understand about the company. Moreover, you could also talk to their customer support and find out more information talking directly to agent there.

Q: Could I make money with RCM MLM program and become rich?

A: Yes there is an opportunity but you got to smart enough and know how to use RCM. You can definitely become rich if you work hard.

RCM Business Direct Seller

For becoming a direct seller for RCM you should have following documents.

  1. Two Passport size colored photograph (Applicant Name Father/Husband Name on Back Side ).
  2. Self attested photocopy of any of the following documents for photo identification.
    1. Passport (Valid)
    2. PAN Card
    3. Voter’s Identity Card
    4. Driving License (Valid)
  3. Self attested Photocopy of any of following documents for address proof:-
    1. Telephone bill not older than 6 months
    2. Bank account statement not older than 6 months(Attested by Bank)
    3. Electricity bill not older than six months
    4. Ration card
    5. Passport (Valid)
    6. Driving License (Valid)
    7. Voter’s Identity Card

Product Lists

Some of the products that RCM has are the following

TOOTHPASTE, TOOTH BRUSH, SOAP, DETERGENT, LIQUID BLUE, PULSES(DAL), SALT, CHILLI POWDER, ALL TYPES OF SPICES, HALDI POWDER, FLOUR (ATTA), TEA COFFEE, BISCUIT, PICKLES, SQUASH, FRUIT JAM, COOKING OIL, PAPAD, TOMATO SAUCE, HEALTH DRINKS, CHAVAN PRASH, DHANIA, HING, HAJMOLA, HAIR OIL, SHAMPOO, FLOOR CLEANER, UTENSIL CLEANER(SOAP/LIQUID), FINAYLE, MOSQUITO COIL, HAND WASH, NAPTHOLIN, PEN, PENCIL, KHATA, SHIRTS, SUIT LENGTH, SAREES, UNDER GARMENTS, COMPUTER ELECTRONICS, INSURANCE, STATIONERY

RCM Fraud

Finally I would conclude by saying you have to be very careful when it comes to MLM frauds. Today most of the MLM programs are fraud like Speak Asia which was the fraud of the decade.

Hence, before making any decision you have to be careful and find out every single detail about the company and their plan.

Always speak to their customer support and find out more information. This way you can surely avoid a big fraud.

This article is contributed by Shashi Suman from Bangalore who likes to write about MLM topics.





How do I fund, or raise finance, for a franchise in the

#franchise loans

#

Franchise Banks

whichfranchise Finance

For over 18 years, whichfranchise has been providing prospective franchisees in the UK with information and advice on funding a franchise. We have, and continue to work with some of the leading banks in franchising as well as other franchise finance specialists. In our dedicated section to franchise funding you can enquire about how much money you can borrow as well as how to approach a bank for finance, you can put any franchise finance related questions you have to one of the leading franchise specialist bankers in the UK, identify the true cost of buying a franchise and the importance of having a business plan and what should be included in it.

Enquire about funding a franchise

If you are interested in a franchise and wish to find out more about how much money you can borrow towards it, you can contact Lloyds Bank franchise division for further information and/or an informal chat. Click here to contact Lloyds Bank

Funding a franchise advice

Buying a franchise is a big step and, in a lot of cases, a big investment for most. It is vital that you check how much finance is available to you. Knowing this will also help with your decision as to which franchises are available within your budget. Read more about how to raise finance and funding options available to you

Franchise business plan

The business plan has two main purposes – obtaining finance from the bank and clarifying your aims and objectives. Here we look at the importance of the business plan and what should be included in it. Read more

IN ASSOCIATION WITH

Find out how much money you can borrow

Ask the finance expert

Richard Holden – Lloyds Bank

Richard Holden is Head of Franchising for Lloyds Bank. He has 32 years banking experience and has supported a wide range of businesses in the small business sector for many years. He is responsible for providing support to the Lloyds Bank Business Managers, assisting them in assessing proposals from prospective franchisees. He is also responsible for ensuring that the network of local business managers has up-to-date information on the franchise systems operating within the UK.

Cost of a franchise

When looking at the cost of a franchise it can sometimes be confusing with talk of franchisee fees, deposits, average cost etc. In this section we look at how to identify the total costs of a franchise including explaining the difference between franchise fee, deposits, working capital, as well as how to verify a franchisor’s projections.

  • Real cost of investing in a franchise
  • Franchise deposits
  • Franchise fees
  • Evaluating financial aspects of a franchise
  • How to verify a franchisor’s projections

How to approach a bank for finance

When it comes to financing a business start-up, banks are favorable to franchising. The regard lending to prospective franchisees looking at well-structured ethical franchise systems a safer option than someone starting from scratch on their own.





5 Things Not to Do Running a Small Business #bad #credit #business

#running a small business

#

5 Things Not to Do Running a Small Business

January 12, 2016

I ve been a creative entrepreneur since 2005. My first design company was a partnership with my significant other. It was largely a freestyle experiment in running a business, conducted live over the course of five years. As a business, it was marginally successful. As a learning experience, it was my equivalent of a masters of business administration.

So, by the time I had started my second and current company, I had a pretty good blueprint of don t s for running a small business. I had been fortunate enough to make the mistakes that have yielded five valuable lessons learned — lessons that have truly paid off the second time around.

1. Don t rush into partnerships.

It was only after my original partner and I parted ways did I recognize that we should never have had a professional partnership in the first place. Just because someone is your best friend, long-time coworker and / or significant other hardly qualifies them as the perfect candidate for maintaining a business. I say maintaining because it s far easier to get excited about the prospect starting a company than being able to handle the day-to-day reality of running it efficiently.

The best partner is typically someone whose skills and approach are the polar opposite of yours. The first ensures the you are able to cover a lot more ground without additional employees. The second may create conflict, but it ll force you both to defend your business instincts and weed out lesser ideas before you waste resources.

2. Don t get discouraged.

Running a company isn t a goal — it s a long, winding road. Enjoy the process! Unless your goal is to cash out, and you ve got some built-in exit strategy, chances are you want a long-term entrepreneurial career. You will have ups, and you will have downs — possibly in the same week or even day. You will gain amazing clients and lose others for reasons fair and unfair. That s all part of having a business.

I ve yet to encounter a single business owner who s reached some grand, stable plateau beyond failure, disappointment and doubt. We all experience it. Instead of discouragement, focus on becoming more resilient, on learning how to handle stress productively.

3. Don t forget why you wanted to start a business in the first place.

Whether it s following a passion or having more control over your time to devote to family, always remember why you started down this road in the first place. It s easy to get carried away and forget what it was you wanted from your own business. I, for example, was driven by quality-of-life factors, especially time off for my other passion — travel. At times, temporary sacrifice may be truly necessary, but it pays to be conscious of when you re in danger of permanently shelving the very thing you wanted most.

4. Don t try to do everything yourself.

I started my first company with $500 — barely enough to cover the costs of incorporation. So, right away, I developed an addiction to doing everything myself. My partner was only capable, willing and able to do so much, and I found myself doing a lot of admin tasks I never anticipated. Those tasks came with learning curves, and they took up valuable time and energy — energy that could have been directed at helping the business grow.

I didn t make this mistake twice. With my second, far more successful attempt, I contracted my business half just a couple of months in. Although my expenses grew, now I could focus on doing better work as well as devote time to business development. Both actions helped to grow the company far quicker than my former money-saving attempts at being my own bookkeeper.

So, resist the urge to cover all the ground alone. Saving financial resources is important, but don t let your task list undermine your big goals.

5. Don t stop evolving.

Your strategy, your marketing plan, your target market — nothing is set in stone. The world is changing more and more rapidly each day. Your industry will likely experience a shift, whether slight or monumental, at some point. As a small business, you are at a disadvantage, because your resources are a lot more limited. But you have a priceless advantage in ability to change course and adapt far quicker than a larger organization.

The best way to remain relevant is keeping your eyes open for changing tides, your mind open to new ideas and staying flexible.

And, of course, don t be too afraid of making your own mistakes!





Chris Brogan says the Most Successful Small Businesses Do THIS #business #lookup

#most successful small businesses

#

Chris Brogan says the Most Successful Small Businesses Do THIS

Many people work 9-to-5 jobs for 30 years — praying only for the day they can retire.

And they complain the whole time on Facebook about how much they hate their jobs.

Yuck! I can’t fathom that.

I love working for successful small businesses. And luckily, I don’t have a regular job.

But what does it take to REALLY succeed as an entrepreneur?

Chris Brogan says the Most Successful Small Businesses Do This

And during a recent interview with MSNBC, Chris dropped some serious knowledge about staying weird making your customers feel like they belong to your tribe.

Pay attention here:

One of Brogan’s best small business tips is that you’ll attract opportunities by standing out being different.

Follow outgoing examples from free-spirited entrepreneurs like Richard Branson, he says.

Here are 4 other juicy nuggets from this stellar interview:

1. Business is About Belonging

People want to be part of a tribe or community.

2. Share the Passion Not Just the Product

Passion drives folks to do what they love. How can you leverage that passion for your business?

3. Make Your Buyer the Hero

Discuss how your product or service makes your customers heroes — not too promotional, though.

4. Tell Their Story, Not Yours

Our product helped Johnny make $100k this year.





Which Web Host Do You Need? Six Small-Business Plans Compared #local #businesses

#business web hosting

#

Which Web Host Do You Need? Six Small-Business Plans Compared

Websites don’t build themselves. They require a considerable investment of energy, expertise, and design know-how to construct and launch. But building a site is only half the story: Websites also have to be hosted on servers. ready for–you hope–the thousands of people who are dying to read your content, hire your firm, or pay for your services.

A comparison of the pricing and basic features of six Web hosts. Much like the servers that websites reside on, Web hosting services are rapidly approaching commodity status, as providers offer many of the same features while racing to the bottom on pricing. But although many Web hosting services look alike and cost about the same, appearances can be deceiving–there are nontrivial differences, particularly among higher-end plans. (Check out “Understanding Web Host Plans ” for more details on what various terms mean.)

While hundreds of options are available, this article takes a closer look at some of the big players (along with a few smaller ones). The chart shown here outlines several basic features:

Pricing: What will all of this cost you? All prices are rounded to the nearest dollar, and generally reflect the cheapest long-term contract available. Remember that discounts, promotions, paying up front, and signing up for multiyear contracts can cause these figures to fluctuate considerably.

Catch-all email: Does the host offer a service to route all email sent to any address (whether or not that address has been set up) to a catch-all inbox?

Email autoresponders: Is a service that can automatically respond to incoming email included?

Static IP addresses: Does the site provide static IP addresses (for an additional charge)?

24/7 phone support: Is round-the-clock support available at no charge?

Another chart, on the second page of this article, compares site-building tools and other features for developers.

We chose not to focus heavily on ISP-delivered Web hosting services, since generally you can purchase them only if you use that ISP for your Internet access. However, a basic plan usually comes free with your monthly account, and if your needs are (very) simple, using such a plan beats paying for a separate Web host.

Comcast

Let’s be real: The only reason anyone would host a business website with Comcast or another ISP is because it’s free, included with the price of your Internet service. And with that free service, you get what you pay for: Comcast allows an ultrabasic website with a maximum of three pages, no shopping carts or extra site tools, and just 10MB of storage space and a 100MB data-transfer limit each month. The management interface is spare.

This kind of service may fit some business users just fine, namely the ones who simply want to put a calling card on the Internet in order to stake their claim to a domain name, build up a little SEO, and provide contact information to prospective customers. But for most businesses, basic ISP hosting just won’t cut it for their needs.

You can upgrade the service plan so that it’s competitive with other hosts, but prices escalate exceedingly quickly. Comcast’s most expensive offering, at a stunning $80 added to your bill per month, is in line with the $4 or $5 monthly service plan that you can get from virtually anyone else.

BlueHost

BlueHost built its Web hosting management interface around the cPanel control panel, a truly ugly and utilitarian system that is nonetheless the industry standard today. cPanel is designed for pros who know what they’re doing, and BlueHost offers little hand-holding if you need help getting started (although the company promises average tech support hold times of less than 30 seconds).

But what BlueHost lacks in friendliness it makes up for in exhaustiveness: With over 75 installation scripts at hand, you can point and click your way to building just about any kind of website–blog, wiki, e-commerce–without a lot of fuss. The service plan is unremarkable yet comprehensive and–the big draw for most BlueHost customers (including this writer)–cheap. Pro packages can reach $20 a month, but most customers squeak by on the less-than-$4-per-month basic plan .

1 1

You surely know the name–any computer-magazine reader should be familiar with 1 1. thanks to its generous print-advertising budget. 1 1 lets you configure your service in one of two ways: either with a traditional Linux or Windows hosting plan, or with a unique plan called 1 1 MyWebsite.

The main difference between the two is that the latter includes the MyWebsite website-building app, a surprisingly powerful and easy-to-use system that gives you drag-and-drop design capabilities and hundreds of templates to use on your hosted website. We found using MyWebsite even easier than setting up a site in a simple tool like Blogger, and businesses with modest needs will probably love the features. It’s just a shame that MyWebsite isn’t also included as an option with the traditional hosting options. If you go with a more standard Linux hosting account, the default site-building tool you get is a much less exciting app called 1 1 WebsiteBuilder.

Beyond those tools, 1 1’s control panel is decidedly limited, and a bit confusing. But once you find the boatload of install scripts available, you’ll discover that they’re among the best in the industry. Along with various homegrown apps (including its own shopping-cart system), 1 1 supports a bevy of industry-standard add-ons, and it even has mobile website management and monitoring tools for your smartphone. 1 1 also touts its uptime, noting that it stores user data simultaneously in two separate data centers located 20 miles apart to guard against disasters.

If you do consider 1 1, remember to skip the stripped-down Starter package. The Unlimited and Business plans are available for essentially the same price, and offer much more in the way of features.

Which Web Host Do You Need? Six.





How Do I Know If I – m Qualified to Be a

#business analyst

#

How Do I Know If I m Qualified to Be a Business Analyst?

Are you exploring a career in as a business analyst? Do you find yourself wondering if your skills and experience are relevant to a business analyst role? Would you be interested in learning about how qualified you are to be a business analyst?

We re going to talk about how to know if you are qualified to be a business analyst, but first I m going to share a funny story with you.

(Before I forget, I want to be sure you know about my step-by-step BA career planning course (it’s free) that’s designed to help you, the mid-career professional, kick-start your business analysis career. The course will help you dig deeper into each of the concepts outlined below.)

Just last week, the night before my birthday, I walked down the short flight of stairs after putting our daughter to bed. I smiled at my husband. He was making an odd expression. I continued to look more deeply at him to figure out why.

I walked over to where he was sitting and said, What s that goofy face for?

He says, You didn t see it, did you?

Me: See what?

He shifts his eyes back toward the stairs. On the ledge we have right in front of our stairway were a dozen yellow roses laying out in plain sight.

I couldn t believe I had completely missed them. For a split second, I even starting thinking that just maybe my husband tele-ported them there, but then I remembered the laws of physics and found my own eyes to be the culprit.

I was looking at my husband and his funny expression instead of what was right in front of me.

This same sort of thing happens to all of us, all of the time. We often don t see what can be obvious to other people or even what other people expect we should obviously be seeing. In all the work I do with professionals transitioning into the BA profession, the most prevalent problem I see is that they overlook significant relevant and transferable skills from their own career background.

As a result, their answer to the question, Am I qualified to be a business analyst? is a resounding no when it should be a yes or at least a some of the time . (And as we ll see in a bit, some of the time can be a very effective path to business analysis.)

Today, I d like to help you see the bouquet of roses waiting for you on the ledge at the bottom of the stairs. And to do that we need to look at the concept of transferable skills.

What are Transferable Business Analyst Skills?

Transferable skills are skills that you’ve built through experiences in your past roles. In the context of business analysis, transferable skills are BA techniques you’ve used in non-BA jobs or soft skills you’ve developed in perhaps unrelated roles.

Transferable skills can help you skip past entry-level business analyst positions. This is especially important because there tend to be very few entry-level business analyst positions. And those savored few entry-level positions tend to favor recent college graduates without the salary requirements of an experienced professional.

If you do have even a few years of professional experience, and a fair amount of the 42 reasons to become a business analyst resonate with you, then you have transferable skills. Getting clear and confident about them is part of your path to success as a business analyst and figuring out what roles you qualify for.

But What Business Analyst Qualifications Are Transferable?

When transitioning to business analysis, there are many areas in which to look for your business analyst qualifications. A good first step is to review our list of core business analysis skills that are important for a new business analyst and start mapping your experience to these skill areas.

Here s a rundown of what you can expect to find during this process:

  • The core business analyst skills. those you might find mapped out in the Business Analysis Body of Knowledge® (BABOK®). will help you get past the screening process for a business analyst role. Any given hiring manager tends to have a checklist of key qualifications they absolutely want to have met by a potential candidate. And even if your experience is informal. it s likely that you can map it to a more formal deliverable or analysis technique. Use the BA terms (appropriately) in your resume and in a job interview and you ll increase your chances of qualifying yourself for a business analyst role.
  • Although managers screen for a specific set of core business analyst skills, they often hire for soft skills. such as relationship-building and the ability to communicate with a diverse set of stakeholders from the business and technical communities. Understanding the key soft skills you bring to the table is critical. Being able to speak to specific experiences where you used those soft skills in a BA context (or close to BA context) can increase the number of BA jobs you ll qualify for.
  • Then there will be skills that set you apart as a candidate and qualify you for specific types of BA positions. These vary widely from technical skills, to specific business domain knowledge, to experience with specific types of business applications.

What Do I Do with My List of Business Analyst Qualifications?

Even with a list of transferable business analyst qualifications in hand, a transitioning BA can get understandably frustrated. What business analyst roles do these skills qualify you for? It can often seem as if the grass is greener on the other side of the proverbial fence .

  • If you don t have an IT background, it can seem as if every possible BA job you look at requires some obscure technical skill you have no interest in building.
  • If you do have an IT background, but no business experience, it can see as if every possible BA job you look at requires business domain experience.

While you will most likely find that the number of roles you aren t qualified for outweigh the number of roles you do qualify for, your career background will qualify you very strongly for a specific set business analyst jobs .

  • If you have a technical background. consider BA roles that include systems analysis responsibilities or blend selected IT duties with a business analyst role. Your experience with specific technologies could qualify you for specific BA roles.
  • If you have a business background from a specific functional area (such as customer service, human resources, or finance), consider BA roles working on the business applications with which you are familiar or supporting this area of the company. Your familiarity with the terminology and processes for that functional area could qualify you for specific BA roles.
  • If you have deep experience in a specific industry. consider business analyst roles in that industry. Your understanding of the industry environment, terminology, and core processes could qualify you for specific BA roles.

To sum things up, the answer to the question about whether or not you are qualified to be a business analyst requires a bit of analysis. First, you must discover your business analyst skills. Then you want to map them to the types of roles you see in your local job market. Most likely, you will find yourself to be very qualified for some roles, partially qualified for others, and not at all qualified for still others (and this last set will most likely be the biggest, and that s true even for BAs with formal experience).

With this information in hand, you can decide how and if to move forward in your BA career. And keep in mind, just like those I work with on their career transitions, it s quite possible and actually very likely that you have more relevant experience than you think, and you won t realize what those qualifications are until you go through a skills discovery process .

Find Your Path Into a Business Analyst Career

After reading and working through the exercises in How to Start a Business Analyst Career. you’ll know how to assess and expand your business analysis skills and experience.

This book will help you find your best path forward into a business analyst career. More than that, you will know exactly what to do next to expand your business analysis opportunities.

Click here to learn more about How to Start a Business Analyst Career

Stay informed about new articles and course offerings.




5 Things to Do Before Saying I Do to a Business Partner

#business partner

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5 Things to Do Before Saying ‘I Do’ to a Business Partner

CEO Founder, Deborah Mitchell Media Associates

September 24, 2014

As an entrepreneur, you may at some point consider getting a business partner or co-founder. Maybe you miss working with a larger team that complements your skills, or perhaps you are trying to broaden your market or expand your clientele. Whatever your motive, you should know that business partnerships always start with excitement, but have the potential to end tumultuously. When forming a business partnership — just like a marriage — there are certain key steps to take at the beginning that will help in the transition if your professional relationship should end.

1. Perform due diligence. Yes, everyone is fun over cocktails, but when the time comes to sign contracts and do business, you d better be sober and confident you re shaking the right hand. Asking for referrals about a potential partner goes beyond contacting common friends and asking their opinions. Call former partners and business associates, inquire with clients, read comments on their social media pages and look them up on Google. (Keep reading way past page one of the search results.)

By the time you re done, you should be able to name anyone who dislikes them — from their first high-school enemy to their latest unhappy client. Only then will you be able to either take a calculated risk or a major step back.

2. Make sure you lawyer up. If the legal fees in the beginning of a business relationship don t make you wince, then you re doing something wrong. When you partner with other people, every aspect of the business relationship should be put down in writing — including the goals for the company, duties and responsibilities of the partners and an exit strategy. Every sentence of a contract — no matter how innocuous — should be looked at by a lawyer. Since tax laws can be tricky, have your accounts receivable/payable arrangements scrutinized by an accountant.

3. Ensure you have exit strategy. Ending your business partnership is the last thing you want to think about when you are beginning one. It is similar to thinking about divorce on your wedding day, but you should have a plan. The business exit strategy should include several legal points including the division of the business assets and how the partner s portion of the business will be handled in case of death.

4. Protect yourself. One of the smartest moves you can make is to protect your personal assets in case of a lawsuit. Whether you choose to incorporate or become an LLC, the top benefit will be shielding your savings, home, car and even your favorite pair of Louboutins from any liabilities associated with the business.

5. Protect your brand. Joining forces with a partner takes a lot of energy, and chances are that somewhere down the line you will lose your focus. Working for a common goal within a new team is really exciting but merging forces does not necessarily mean merging identities. Don t lose sight of who you are. If part of the original business plan is to maintain your brand, make sure it doesn t suffer while you re giving all your time and energy to your new endeavor.

When you meet a potential partner, your personalities may click and your goals may be identical but to have a successful relationship, clarity is key. The more precautions you take in the beginning, the happier and more productive you will be later on. And the day you see that the team you ve tried to build has become nothing more that a group of people looking in different directions, then it s time to part ways and move on.





Business Administration Salary #what #can #you #do #with #business #management #degree


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Business Administration Salary and Job Outlook

Source: U.S. Bureau of Labor Statistics 2016-17 Occupational Outlook Handbook

*The salary information listed is based on a national average, unless noted. Actual salaries may vary greatly based on specialization within the field, location, years of experience and a variety of other factors. National long-term projections of employment growth may not reflect local and/or short-term economic or job conditions, and do not guarantee actual job growth.

What is my earning potential?

It is difficult to know what to expect from a business administration salary, as the discipline opens up many possible career paths, each with varying levels of supply and demand.

As with almost all careers, the higher degree you hold, the higher your salary: A bachelor s degree in business administration can add $2,000 to $5,000 or more per year in earning potential, while an MBA can add yet another $7,000 to $11,000, though many MBAs start out in higher-level management jobs with more responsibility, and consequently earn a larger salary that may include a bonus package.

Is there demand for this career?

According to the U.S. Bureau of Labor Statistics, the demand for business administrators is expected to grow about as fast as average for all occupations. However, job growth will vary by the area of business administration in which you choose to specialize.

What is the job growth for the field?

Take a look at how some of the business administration occupations compare as far as job growth:

Job Outlook Comparison Through 2024

  • Sales Management—5 percent, slower than average
  • Finance Management—7 percent, as fast as average
  • Human Resources Management—9 percent, slightly faster than average
  • Food Service Management—5 percent, slower than average
  • Health Care Administration—17 percent, much faster than average
  • Marketing Management—9 percent, slightly faster than average

Source: U.S. Bureau of Labor Statistics 2016-17 Occupational Outlook Handbook

How much competition will I face for a job?

The job market for those in business has become increasingly competitive, and what once worked for job-seekers now requires more education and credentials. For example, an MBA was once a near-guarantee for a great career in business administration. Employers are now seeking candidates with a DBA and certifications as business becomes more global and fast-paced. Technology plays a big factor in business, so the more knowledge and experience you have with computers and software, the better you may fare when it comes time to find a job.

What kinds of companies hire business administrators?

Here are the most common places where business administration professionals can be found according to the BLS:

Sales Managers
Management of Companies and Enterprises—31,720
Car Dealers—25,000
Wholesale Electronic Markets—15,890
Computer Systems Design—12,200
Department Stores—11,260

Financial Managers
Depository Credit Intermediation—79,020
Management of Companies—65,830
Accounting, Tax Prep, Bookkeeping and Payroll Services—23,000
Insurance Companies—18,870
Local Government—18,850

HR Management
Management of Companies—18,200
Local Government—7,790
Hospitals—4,510
Employment Services—4,390
Computer Systems Design—3,470

Marketing Management
Management of Companies—33,330
Computer Systems Design—10,870
Management, Scientific and Technical Consulting—10,460
Insurance Companies—5,600
Advertising and Public Relations—4,590

How do I advance in my business administration career?

The ability to spot trends and patterns and to conduct business within a code of ethics would at one time have taken you far. But with the world becoming smaller thanks to technological advances, business administration is more complicated and complex than ever.

While you might be able to find an entry-level job—such as office administrator—with an associate s degree, you ll need to keep up with industry changes, and earn an advanced degree in order to climb the corporate ladder.

Earning at least an MBA could increase your career options and give you access to management and administrative roles, but earning a doctorate will open avenues in areas such as academia and research. If you want to be considered for that great promotion, you might want to think about one (or both) of these tips:

  • Learn a new language—business isn’t just confined to English-speaking countries. Places such as India and China are huge market opportunities.
  • Get computer savvy—take some IT and computer science classes, and learn the different software applications you’ll need to do your job better and faster.

Also, earning certification or licensure shows potential employers that you are a qualified and accomplished professional in your chosen career, and may play a role in employment decisions or promotions.


What Kind of Degree Do You Need to Be a Teacher? #what


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What Kind of Degree Do You Need to Be a Teacher?

Average Salary (2015)*

$54,510 for kindergarten teachers;
$57,730 for elementary school teachers
$58,760 for middle school teachers;
$57,200 for high school teachers

Source: *U.S. Bureau of Labor Statistics

The traditional educational route to teaching at the kindergarten, elementary, middle, or secondary school levels is to earn a bachelor’s degree from an approved teacher education program. In addition, all would-be public school teachers must become licensed in their state before beginning employment.

Degree Requirements

Every aspiring K-12 educator can enroll in a 4-year bachelor’s degree program in education to become a teacher. Individuals who are interested in teaching in middle or secondary school typically also major in the subject that they wish to eventually teach, such as music, mathematics, history, biology, or English. For example, an aspiring math teacher would take advanced math courses in addition to educational courses, such as implementing technology into a curriculum.

Prospective elementary school teachers often take a slightly different path in preparing for a career as a teacher. They can enroll in elementary or early childhood education degree programs that focus on foundations of education and educational psychology, while providing instruction in each of the various subjects taught in grades K-8.

Find schools that offer these popular programs

  • Agricultural Education for Teachers
  • Art Teacher Education
  • Biology Education for Teachers
  • Business Teacher Education
  • Chemistry Teacher Education
  • Drama and Dance Teacher Education
  • Driver Safety Teacher Education
  • English Teacher Education
  • Foreign Language Education for Teachers
  • French Language Teacher Education
  • Geography Teacher Education
  • German Language Teacher Education
  • Health Occupations Teacher Education
  • Health Teacher Education
  • History Teacher Education
  • Home Economics Teacher Education
  • Industrial Arts Teacher Education
  • Latin Teacher Education
  • Mathematics Teacher Education
  • Music Teacher Education
  • Physical Education and Coaching
  • Physics Teacher Education
  • Psychology Teacher Education
  • Sales and Marketing Teacher Education
  • Science Teacher Education
  • Social Science Teacher Education
  • Social Studies Teacher Education
  • Spanish Education for Teachers
  • Speech Teacher Education
  • Teaching, Computers
  • Teaching, Reading
  • Technical Teacher Education
  • Vocational Teacher Education

Program Coursework

Courses in a typical bachelor’s degree program in education include student assessment methods, instructional strategies, multiculturalism, and human development. Students complete class work that combines both individual assignments and group projects. Courses may also cover topics in educational technology and communication principles. Most bachelor’s degree programs in education also require students to complete some type of practical fieldwork, usually an internship, at a local school where they work directly under the supervision of a licensed teacher.

Licensure Requirements

In order to work in a public school in the United States, would-be teachers must first obtain licensure. Although each of the 50 states has different requirements for obtaining a teacher’s license, most mandate the completion of a teacher education program such as a bachelor’s degree program in education and the passage of a state-administered exam. Supervised teaching experience, often gained through teaching internships, is also typically required. Once licensed, teachers may then be required to participate in periodic testing or continuing education courses in order to maintain their license and continue teaching in their state.

Employment Outlook and Salary Information

According to the U.S. Bureau of Labor Statistics (BLS), employment opportunities for kindergarten, elementary, middle, and high school teachers should increase by 6% over the 2014-2024 decade. The BLS also reports average annual salaries for teachers ranged from $54,510 for kindergarten teachers to $57,200 for high school teachers in 2015. The average annual salary for middle school teachers was $58,760, and for elementary school teachers it was $57,730.

To become a teacher you need at least a bachelor’s degree in education or the subject you want to teach, and you must also meet any state licensing requirements.

Next: View Schools

You love history, and you want to share everything you know with eager minds. What better way to do so than to start teaching.

Do you have a passion for early childhood education? If so, you may want to consider a career as a preschool teacher. Check out.

If you love working with young students, you may be considering a career as a kindergarten teacher. Find questions below that.

If you are passionate about mathematics and helping others, you may be interested in a career as a math teacher. Check out the.

  • Doctorate
      • Doctor of Education in Teaching and Learning with an Emphasis in Adult Learning
      • Ed.D. in Organizational Leadership – Behavioral Health
  • Master
      • MA in Curriculum and Instruction
      • M.A. in Reading with an Emphasis in Secondary Education
      • M.A. in Reading with an Emphasis in Elementary Education
      • M.Ed. in Elementary Education
      • M.Ed. in Secondary Education
      • M.Ed. in Early Childhood
  • Bachelor
      • Bachelor of Science in Elementary Education
      • B.S. in Elementary Education with an Emphasis in Christian Education
      • Bachelor of Science in Math for Secondary Education
      • BS in Early Childhood
      • B.S. in Early Childhood Education and Early Childhood Special Education

Get Started with Grand Canyon University

4 Colorado State University Global

Minimum eligibility requirements:
  • Undergraduate applicants must be a high school graduate or have completed GED and completed some college
  • Master’s degree applicants must have a bachelor’s or higher.
School locations:

  • Doctor of Education in Teaching and Learning with an Emphasis in Adult Learning
  • Ed.D. in Organizational Leadership – Behavioral Health
  • MA in Curriculum and Instruction
  • M.A. in Reading with an Emphasis in Secondary Education
  • M.A. in Reading with an Emphasis in Elementary Education
  • M.Ed. in Elementary Education
  • M.Ed. in Secondary Education
  • M.Ed. in Early Childhood
  • Bachelor of Science in Elementary Education
  • B.S. in Elementary Education with an Emphasis in Christian Education
  • Bachelor of Science in Math for Secondary Education
  • BS in Early Childhood
  • B.S. in Early Childhood Education and Early Childhood Special Education
  • View more
    • MA in Education and Human Development in Organizational Leadership and Learning
    • Certificate in Science, Technology, and International Security Studies
    • Certificate in Science Writing

  • Lab Technician: How do I Become a Laboratory Tech? #certification #for #lab


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    Lab Technician: How Do I Become a Laboratory Tech?

    Should I Become a Lab Technician?

    Laboratory technicians collect, examine and test body fluids, tissue cells and other substances. These technicians typically perform their job duties under the guidance of laboratory technologists or laboratory managers. They may work at hospitals, medical laboratories, physician offices and university labs. Many lab technicians spend most of their work shifts on their feet, and they may need to work overnight if their labs run around the clock. Although these workers often deal with toxic materials, very little risk of infection exists.

    Find schools that offer these popular programs

    • Anesthesiologist Assistant
    • Chiropractic Technician
    • Clinical Laboratory Assistant
    • EMT Ambulance
    • Health Aide
    • Home Health Aide
    • Medical or Clinical Assistant
    • Medication Aide
    • Occupational Therapist Assistant
    • Pathology Assistant
    • Pharmacy Technician
    • Physical Therapist Assistant
    • Respiratory Therapy Technician
    • Veterinary Technician

    Career Requirements

    Few schools in the Houston, TX, area have top ranking lab technician programs. Read on to find out more about what one of these.

    Learn about the education and preparation needed to become a lab tech. Get a quick view of the requirements as well as details.

    Find out how to become a hospital laboratory aide. Research the education and training requirements, and learn about the.

    A handful of schools in the Indianapolis, IN, area have medical laboratory science programs. Read on to find out more about.

    • EdD in Organizational Leadership – Health Care Administration
    • MBA: Health Systems Management
    • MS in Health Care Administration
    • Master of Public Administration – Health Care Management
    • BS in Health Sciences: Professional Development & Advanced Patient Care
    • Bachelor of Science in Behavioral Health Science
    • BS in Health Care Administration
    • View more
    • AS in Medical Assistant
    • Certification – Medical Assistant
    • Diploma Program – Patient Care Technician
    • Diploma Program – Pharmacy Technician
    • Certification – Pharmacy Technician
    • View more
    • MSHS in Health Care Quality
    • Graduate Certificate in Health Care Quality

  • Free Doctoral Programs In Bible #what #can #you #do #with #a #degree


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    DrBibArch (Doctor of Biblical Archaeology)

    STD (Doctor of Sacred Theology)

    Please click on the program of your choice for more information. Remember, all the above programs are offered without any tuition fees. All textbooks needed for the above programs are given free via net-based downloads.

    Take some time to study all the free programs mentioned on this Seminary School and make a decision only after you have fully understood everything. Remember, it is better to weigh all courses and then choose what suits you most instead of hastily join just because these seminary courses are free.

    All our programs from bachelors up doctoral programs are free of tuition. No tuition fees is ever demanded. There is no hidden fee. However, there is a small entry-fees (registration-fees) that everyone from Developed Countries need to pay. This would be less than the tuition fees that they might have to pay for a single credit hour of course in other institutions.

    Students from Developing Countries do not have to pay any entry fees because they come from the poorest among the poor countries.

    All students (irrespective of the country of their origin) will have to pay a small Graduation-fees. This amount takes care of final exams, printing and packing of transcripts and diplomas. This amount also takes care of the special international courier which we use for the delivery of the documents. Graduation fees, however, has to be paid only at the time of graduation.

    Dear Sir, I Rev.Paul Mathivanan basically a south Indian has been a cross cultural Missionary for over twenty FIVE years in the NORTH and in the NORTH EAST OF INDIA. And I had done a BACHELOR DEGREE in THEOLOGY during 85-87.I am so much eager to do Doctorate in the Christian Ministry but due to my poverty although I am trying my best I am not getting any such college, will you please help me in this case and if so, what I need to do please help me.
    Thanking you.
    Anticipating your positive response.

    All of my heart s desire is obey God and to study evrything about God and His Son Jesus Christ our Lord and Savior divine.

    kindly email the details on how to enroll

    By the grace of God i came across ISDET, now i can t wait to start my studies journey. you are a blessing to the whole wide world God bless you in Jesus Name. Evens Odera

    Gobezu Gotoro says:

    I would like to study ThD so how could I start it?

    Please study the website and send an initial application!

    Aaron Sathuluri says:

    Sir, I have completed M. Th in 2005 and have been in teaching and training ministry for over 15 years in India. I train people for ministry and help them plant churches in India. Also I am pastoring a church in Delhi, India presently. I would like to pursue an online Th. D program. Please let me know course requirements, fee structure and duration in which to complete.

    I am happy to learned thatISDET offering special Course in regards the highest degree in Theological study. I am looking forward.

    Kham Lian Suum says:

    I am a pastor in Myanmar. I am very interested in the Th.D program of the ISDET. Please let me know how I can apply and start studying in the program.

    I Rev.H.A TAMREINGAM senior pastor of phone yo Baptist Church. Mother church manipur, being a senior pastor would like to complete the topmost theological studies from your college. May your institution kindly accept my humble request.

    I need the the form to run a doctoral programming thanks

    I have to agree with your statement with this issue and aeggfgeddgad

    Dr Wesley Rose says:

    I am interested in the Doctorate in Biblical Archeology. Only a year or so ago this degree wasn t offered that I am aware of. I would truly love the opportunity to get into this discipline of study and research. Help me get registered, please. I m disabled and have some difficulties with forms and stuff. I currently have a Masters in Biblical Archeology

    Dear Sir I am willing to do phd residential but for that I have no opportunity and financial support from any where if there is possible with any bound or condition please pray for me.Thanking you

    Emmanuel Ebune says:


    What To Do If a Pipe Bursts, Fire Erupts or a Flood


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    What To Do If a Pipe Bursts, Fire Erupts or a Flood Happens in Your Home

    Flooded Basement

    A flooded basement is not the best way to get that indoor swimming pool you’ve dreamed about. Caused by busted pipes or heavy rain, it’s an enormous inconvenience and hazard. With busted pipes, shut off the water immediately and repair the pipes. Remove water-damaged furniture and personal items to dry and salvage. Use a sump pump, wet-dry vacuum, dehumidifier and fans to drain the water and dry out the basement. Remove damaged sections of wall coverings (drywall, paneling) and insulation, and be sure to dry and ventilate wall cavities to limit mold and mildew growth. Track down the source if it’s not busted pipes. You may need to excavate around the basement and apply a barrier to the exterior walls to prevent water from leaching through.

    Frozen Pipes Burst

    A winter wonderland in your basement is not something you want to wake to after a frigid night. First, shut off the water. Move any water-logged or iced-over items to a warmer and drier location and start the process of drying them out. Remove as much water as you can with a sump pump or wet-dry vacuum, and place fans and a dehumidifier in the area. Cut out the section of pipe that has burst and add a replacement section. Now work on prevention. Insulate your pipes with pipe wrap and add insulation to the walls and cavities near the pipes.

    Water Heater Burst

    Burst water heaters cause a lot of damage because the tank will constantly try to refill. It’s not a pretty sight after a long winter vacation. First, shut off the breaker to the water heater if it is electric, or if it s gas, turn off the valve located near the water heater. Shut off the water, as well. The valve will also be close by. Remove any water-damaged items, and use a sump pump, wet-dry vacuum, fans and dehumidifier to drain and dry. Contact your insurance company. Your water heater won’t be covered (it may be under warranty, however), but any damaged items may be.

    Electrical Fire in Junction Box

    Improper wiring techniques or just really old and worn-out wiring can cause a spark that leads to an inferno. Junction boxes are designed to contain flames to an extent, but once something catches, it’s big-time trouble. Cut power to your entire home at the main switch located near your main box, usually found on the outside. Use a Class C or multipurpose extinguisher to put out the flame. If you don’t have one (you should), then try dumping a good amount of baking soda on the fire. Contact your insurance company to determine if any damage is covered and bring in an electrician to examine the wiring to determine what went wrong and to take corrective action.

    Pilot Light Goes Out on Water Heater or Furnace

    No heat or hot water is a shocking way to start the day, and an extinguished pilot light can be a frustrating culprit. Many appliances have very simple ways to relight them, such as an ignition button, but you need to take a few precautions. Although there may be safety switches that cut off the gas supply, you should close the nearest gas valve and allow the area around the appliance to ventilate, particularly if you detect that rotten egg smell that accompanies natural gas. If it persists, you need to leave immediately and call your utility company. If you’re clear, follow the directions for the appliance in relighting the pilot light. There are a number of ways to do this depending on the appliance. Note that on a water heater, you may need to replace the thermocouple, which is often the cause of a continuously failing pilot light.

    Tree Roots Growing Into Sewer Line

    We love trees, but your affection turns to hate when you discover that it’s been feeding off your sewer line. The biggest clue that you have this problem is a backup in your house. Any crack in a sewer line is an invitation for tree roots, as they’ll seek out that source of water and nutrients, and then fill the line with a mass of hair-like runners. Treatment products will burn off the roots that make their way into the lines, particularly products designed to foam and fill the pipe, but the roots will just come right back. Ideally, removing the offending tree is the best option, as well as not planting trees within 10 feet of the line (call 811 before planting to determine the sewer line location they’ll mark the sewer line in green). Of course, you’ll need to repair the pipe. While you’re doing that, it may be a good idea to try to add underground barriers if removing the tree isn’t an option. There also are recommendations for poisoning the soil around the sewer line to ward off the tree roots, but you risk damaging a lot of other vegetation as well.

    Fixing Water-Logged Documents and Photos

    A lot of folks keep photos and documents in the digital realm nowadays, but that’s no help for physical photos and documents that are hit by a flood or leak, or for some reason are dropped in a tub or sink. Act fast by mopping (not wiping) as much water as you can using a soft cloth or paper towel. Hang the photos and documents carefully to dry (create a makeshift clothesline and pin with clothespins if possible). It may sound crazy, but you can place these precious papers in a plastic resealable bag and insert them in the freezer. The freezing process has been known to dry out paper (the water evaporates a bit). If placing multiple items in one bag, use wax paper as a divider. You can also try the trick used for cellphones placing the wet items in a bin of rice. The rice will draw moisture from the paper. This tip is best for items that aren’t completely soaked and could be used as the final step after following the above tips.

    Backed-Up Septic Tank

    Embarrassing and disgusting, a backed-up septic tank is a major health issue, as it can flood your home with dangerous bacteria and disease. If only one toilet, bath, shower, etc. is backing up, it may just be that one clogged line, so use a drain snake to try to clear that line first. With a septic tank issue, you may have all the low-level lines backing up simultaneously (a sure sign). Start the cleanup by removing the waste, damaged items (including wall and floor coverings) and cleaning with a bleach solution. Any number of problems could have caused the damage, so you’ll need to involve your insurance company and a septic tank specialist.


    How Many Ways Can You Say Mom? #how #do #you #say #congratulations


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    How Many Ways Can You Say Mom?

    Wonderopolis would like to wish all the moms out there a WONDERful Mother’s Day. Every year on the second Sunday in May, we set aside time to show our appreciation for our mothers on Mother’s Day.

    Do you have the greatest mom in the world? Many children will proudly lift their hands and shout “Yes!” in response to that question. Moms are important influences in our lives and are special in so many ways.

    What are some of your favorite things about your mom? Her unconditional love for you? The care and protection she gives you? The special cookies she bakes? Although all moms are different, they’re important in the lives of so many children.

    Have you ever noticed that, in many languages, the most important concepts have multiple words attached to them? For example, the Sami people who live above the Arctic Circle in the northernmost regions of Sweden, Norway, Finland, and Russia have hundreds of words for snow .

    Where they live, snow is all around them at all times. Snow is an integral part of their day-to-day lives. As a result, they have developed all sorts of special words for different versions and variations of snow .

    The same is true for the concept of a mother in the English language. What do you call your mother? Mom? Something else?

    You may hear mothers referred to by different words from time to time. Some examples include mom, mum, mummy, mam, mammy, mother, motha, mommy, momma, ma, madre, mama, and even maw. Do you use any of these names for your mom? Do you use another word not listed here?

    All these different versions of mother just show us how important mothers are to our culture. For some, “mother” may seem too formal. Instead, the woman who makes you pancakes on Saturday morning needs a more informal word like “mommy” to capture what she means to you.

    If you want to surprise your mom, your mommy or your mama this Mother’s Day, learn how to say mom in a foreign language. Here are some foreign languages from around the world and their word or words for mom:

    Wonder Words (18)

    Did you get it?

    Wonder What’s Next?

    You won’t need a mirror to see the beauty in tomorrow’s Wonder of the Day!

    Try It Out

    Are you ready to celebrate your mom today? Ask a friend or family member to help you check out the following activities:

    • Want to make a Mother’s Day gift that will knock your mom’s socks off? Grab a pen and some paper. That’s all you’ll need. You’re going to write her a letter. A letter? That’s right! Nothing quite touches a mom’s heart like a letter from a child. The things you write will be cherished for years to come. We guarantee it! Your letter can be to your mom, your stepmom, or even a close relative who you look up to like a mother. In your letter, share some of your favorite memories of time spent with her. Let her know how much you care about and appreciate her!
    • When you finish your letter, you can move on to making a terrific homemade gift for your mom. If you need some ideas, jump online and check out The Best Mother’s Day Crafts for Kids. Which ideas appeal to you? Choose one or two to make at home. Have fun making a gift she’s sure to treasure!
    • We’re sure your mom will love her letter and her craft, but why stop there? Why not give her the gift of a little extra free time? Think about what she’s likely to do the rest of the day. If she’s like most moms, her to-do list probably includes several household chores. Choose one or two chores that you can complete for her. Tell her it’s your treat and she should relax with a good book while you do the work!

    Wonder Sources

    Evamaria

    True, you can use “Mutter” in German, but that’s only the equivalent for “mother”. There’s also “”Mama”, “Mami” or, slightly old-fashioned, “Mutti” which are used more often than “Mutter” and are more affectionate. (Were I to say “Mutter” to my mum’s face, she’d probably be a bit shocked because it sounds so distant. I can use it if I’m talking about her to someone else I don’t know well, though: “Meine Mutter. “) Cheers, Evamaria

    DIY Alarm System Battery Replacement #how #do #home #alarm #systems #work, #alarm


    #

    DIY Alarm System Battery Replacement

    How to Test an Alarm System Battery

    Open the alarm system panel box, and locate the battery. Most panels just have the battery sitting on the bottom of the “can”. If there is a date written on the battery, and it’s at least 5 years old, replace the battery.

    If there’s no date written on it, continue with testing. Position the alarm system battery so that you have access to the terminals on the top. This usually means laying the battery on its side.

    Disconnect AC power by unplugging the low voltage transformer, if possible. If you can’t easily reach the transformer (or if you don’t know where it is), you’ll need to disconnect one of its wires inside the panel.

    The circuit board will have at least one row of screw terminals. At one end or the other, look for 2 screws marked “AC”, “Trans(former)”, or “XFMR”. Loosen one of these 2 screws, and pull the wire free. Be careful not to let the wire touch anything, or you could fry the transformer. By the way, don’t be concerned about electric shock, since the transformer only puts out around 18 volts.

    Set your DMM to measure “DC Volts”, within the range of 12 volts. Touch a probe to each battery terminal, and check the voltage reading. You’ll notice the voltage dropping, hopefully not too rapidly. A good battery will drop steadily for a few minutes, then level off and even begin climbing slightly. If yours behaves this way, and stays above 12 volts, the battery is good.

    If after 5 minutes or so the voltage continues to drop, or if it ever goes below 12 volts, the battery should be replaced.

    How to Replace an Alarm System Battery

    If the battery fails the test, reconnect transformer power so the system will run when you take out the battery.

    Remove the connectors from the battery terminals. They are the quick-connect spade type, and simply pull-off and push-on. Take the unit to a battery store, where they will sell you a replacement battery of the same size.

    Note that the new alarm system battery must have the same rated voltage as the old one. The amp-hour rating should be the same or higher.

    Label the new battery with the date, for future reference. If you use a black Sharpie, it won’t show up well if the battery casing is also black. In that case, add a short piece of masking tape, and write on that.

    Install the new alarm system battery, making very sure to match the positive and negative terminals to the correct wires: red to red, and black to black.

    Using your multimeter, check the battery voltage. It should climb slowly but steadily, as the alarm panel’s charging circuit does its job. If the voltage doesn’t increase after 5 minutes or so, check the AC power connections again. If they are good, you may have a blown transformer.

    Allow 24 hours or so for the replacement alarm battery to reach full charge. During this time, the keypad may still show a trouble light or low battery indication, but this will reset when the battery reaches a full charge.

    To check the plug-in transformer, set your DMM to the “AC Volts” position, and touch a probe to each AC terminal on the circuit board. You should see 16-18 volts or so. If not, you’ll need a new transformer. These are available online, or you can get a comparable unit from Radio Shack or other electronics supplier.

    Replacement is done by simply swapping out the old transformer for the new one. Unlike the battery, AC connections aren’t polarity-sensitive. There is no “positive” or “negative”, as the leads are interchangeable.

    If You’re Looking For:


    • A new alarm system installed
    • Reactivate an existing system
    • Alarm equipment only, no monitoring


    Why not get a few FREE alarm quotes from companies in your area?

    No credit card info is needed, and you’re not obligated to buy anything!

    An eBook by Jim Stauffer
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    Workshops and courses for teens – Time Out London #teens, #teenagers, #workshops,


    #

    Workshops and courses for teenagers in London

    The National Portrait Gallery s Young People s Programme – Gisela Torres/National Portrait Gallery, London

    Never let it be said there’s nothing for young people in London to do. The city’s cultural institutions run a huge range of workshops and activities aimed at teenagers, covering all manner of creative pursuits. From DJing to dance, painting to performance, video editing to event production there are opportunities all year round to hone some skills, make new friends and get behind the scenes at London’s biggest venues.

    Anything we’ve missed? Tell us in the comments below .

    Chalk Farm Rd, London, NW1 8EH

    The Roundhouse hosts an impressive range of workshops and courses for participants aged 11-25 covering music, creative media and performing arts, all based at the high-tech Roundhouse Studios. Projects include music production, filming and editing, journalism, drama and circus skills. You can audition for the Roundhouse Choir or Music Collective, try out radio, circus and DJing at weekly drop-in nights (only 2 per session) or contribute to the award-winning Roundhouse Radio. Check out the Roundhouse website for full details.

    65 Peckham Rd, London, SE5 8UH

    Lavender Hill, London, SW11 5TN

    BAC’s Homegrown is a creative programme for 12- to 25-year-olds, held every Thursday evening (5-7pm ages 12-17; 7.30-9.30pm ages 18-25). Drop-in workshops are led by professional theatre-makers and musicians who can help participants develop their skills as well as giving an insight into working in the theatre. Each workshop costs 4 and for 2011 the autumn term begins on Sept 29. Go to the BAC website for more info.

    103 The Cut, Waterloo Rd, London, SE1 8NB

    The Old Vic provides mentoring and nurturing for new creative talent aiming for a career in theatre. The New Voices Club provides the chance for young writers, producers, actors and directors to meet like-minded peers at a series of social events, masterclasses and workshops run year-round by industry professionals including the theatre s artistic director and Hollywood veteran Kevin Spacey. See the Old Vic website for full details.

    Millbank, London, SW1P 4RG

    The Tate Collective is an initiative offering young people aged 15-25 an opportunity to discuss, make, critique and explore art. Participants can work collaboratively with artists to exchange new across art platforms and new media in response to exhibitions at Tate Britain and Tate Modern. Visit the Tate website to find out more.

    7 Gallery Rd, London, SE21 7AD

    Dulwich Picture Gallery hosts an array of arty activities aimed at young people, ranging from one-day intensives to after-school courses. Projects include portfolio development, life drawing, block printing, mosaics, quilting and more. Find the current programme on the Dulwich Picture Gallery website.

    36 Wigmore St, London, W1U 2BP

    Top chamber music venue Wigmore Hall hosts a range of workshops and activities giving 8- to 25-year-olds the chance to join in with chamber music and song as performers, listeners and composers. The venue is also recruiting a team of Young Producers to dream up, curate and produce a 45-minute gig to take place in 2012. Go to the Wigmore Hall website for more info.

    Duke of York’s HQ, King’s Rd, London, SW3 4SQ

    South Bank, London, SE1 9PX

    The National Theatre s Entry Pass is a young person s membership scheme that offers 5 tickets to NT shows, free pre- and post-show talks and backstage tours, and exclusive access to a range of theatre-related workshops. Age 16-25. The National Theatre website has details of the latest events.

    43 White Horse Rd, London, E1 OND

    The Half Moon’s inclusive policy places particular emphasis on engaging those often excluded by ethnicity and disabilities. Their broad participatory programme, which goes out to youth theatres and schools, is a vital extension of this. Within their East End hub, two studios provide a calendar of performance for children aged from six months, while kids can join one of a range of youth theatre groups. See the full programme on the Half Moon Young People’s Theatre website.

    The Strand, London, WC2R 1LA

    Somerset House’s Studio Days are for young people aged 13-18. Regular workshops exploring painting, drawing, design, printmaking and sculpture are supported by experienced art practitioners. Find out what classes are coming up on the Somerset House website.

    St Martin’s Place, London, WC2H 0HE

    The NPG’s Young People’s Programme includes practical art, music, photography, poetry and dance workshops, led by well-known artists, which aim to explore various aspects of portraiture, inspired by the gallery s collection and exhibitions. Day-long Sunday Sessions are held on the first Sunday of the month, while holiday workshops take place over two or three days, usually culminating in a performance or private view. The free-to-join creative Youth Forum a social group for budding artists meets on the first Thursday evening of the month. All events and workshops are free and run throughout the year. Go to the National Portrait Gallery website for more info.


    What Can You Do with a Business Management Degree? #new #business #loan

    #business management degree

    #

    What Can You Do with a Business Management Degree?

    Sometimes taking care of your family means taking care of yourself. Your decision to earn your degree is as much for you as it is for them. This is why you want to choose a career that will not only support your family, but also allow you to enjoy going to work everyday.

    Considering a degree in business management is a great place to start! It is understandable, though, to have questions the most obvious of them being: what can you do with a business management degree?

    The answer isn t as simple as you might think. It is important to note that business management isn t only for professionals who desire to supervise a team. The education you ll receive while earning a business management degree is versatile and can prepare you for a wide variety of roles in the business world.

    We used real-time job analysis software from Burning-Glass.com to examine more than 540,000 positions requiring a business management degree over the past year.* We then identified the five jobs in highest demand based on degree level.

    Most common business management jobs with an associate degree

    The chart above illustrates a large gap between employers desiring applicants with an associate degree and those with a bachelor s degree. The difference between the two might seem harrowing, but keep in mind that employers often list their preferred level of education in job postings. Often times they are willing to hire qualified applicants with slightly varying education levels.

    Earning your associate degree in business management can take less than two years and wouldn t burden your family as much financially. Learn about the job descriptions and earning potential for positions requiring an associate degree:**

    1. Sales representatives: $24,970 – $110,690/year

    Sales representatives work with both a company and its potential and existing customers to promote the sale of company products. This can include working behind the scenes for small businesses as well as representing the front lines at a local.

    2. Stock clerks: $17,040 – $37,540/year

    A stock clerk s duties include receiving store products, maintaining and stocking merchandise displays, monitoring inventory and assisting customers in their buying experiences. Working as a stock clerk requires a healthy balance of people skills and independent productivity.

    3. Administrative assistants: $20,370 – $49,370/year

    Workers in this field are expected to perform routine clerical duties such as database management, updating and filing necessary paperwork, scheduling and confirming appointments with clients and directly assisting supervisors when asked.

    4. Human resources specialists: $33,240 – $96,470/year

    Human resources (HR) specialists are responsible for an array of tasks, including maintaining, hiring and employment records, scheduling new employee orientations and updating important HR documents such as performance evaluation forms and employee directories.

    5. Bookkeeping, accounting and auditing clerks: $22,020 – $55,170/year

    Workers in these realms focus on monitoring and maintaining a company s financial records. Duties typically include coding documents according to procedure, recording and summarizing numerical data on behalf of the company and reconciling any financial discrepancies found all while complying to federal, state and company policies.

    Most common business management jobs with a bachelor s degree

    The career opportunities are exponentially higher for those with a bachelor s degree in business management. The good news is that you can earn your bachelor’s in as little as 18 months! Here s a look at what your career options and salary ranges could look:

    1. Sales representatives: $37,300 – $145,730/year

    The primary responsibilities of sales representatives include identifying prospective customers based on research conducted and business-related events attended, maintaining customer records and contacting new and existing customers to both discuss and meet their business needs this can consist of everything from negotiating prices to preparing contracts.

    2. Sales managers: $53,770 – $155,090/year

    Sales managers are responsible for what happens behind the scenes. This includes planning, directing or coordinating the actual distribution of a product to the customer. Sales managers are also responsible for establishing sales territories, analyzing sales statistics and assisting in the training programs for new sales representatives.

    3. Human resources specialists: $33,240 – $96,470/year

    The general duties of an HR specialist include hiring new employees, interpreting HR policies and procedures, maintaining employment-related records and often conferring with management in both developing and implementing policies and procedures.

    4. Financial analysts: $48,100 – $152,420/year

    Financial analysts conduct qualitative analyses concerning a company s finances and investments. This is done by composing charts, graphs and spreadsheets; forecasting business, industry and economic conditions through analysis of financial information; determining the prices at which a company should offer its product to the public market; and recommending and preparing investment plans through use of financial analysis.

    5. Management analysts: $45,200 – $145,920/year

    Management analysts spend their work days gathering data concerning problems or procedures within a company. They then analyze the collected information to conclude possible solutions or alterations. New procedures are designed based on interviews conducted with employees, on-site observation and close study of company documents.

    What this means for you

    Exploring your options before making a final decision is important. If you still have some lingering questions about which path you should take, check out this guide to a career in business management.

    If you re confident that business management is the right path for you, head over to the Rasmussen College business management degree page for more information. Better yet, if you have an associate s degree you may be able to complete your bachelor s degree for as little as $9,900. If you d like to learn more about how you can potentially save time and money while providing yourself a chance at new business opportunities visit our Flex Choice Degrees Page .

    *Burning-Glass.com (Analysis of 542,738 job postings requiring business management major AND bachelor s degree OR an associate degree, June 13, 2013 June 12, 2014)

    **Job descriptions and salary ranges courtesy of the Bureau of Labor Statistics. U.S. Department of Labor, Occupational Outlook Handbook, 2014-15 Edition. Salary data represents national, averaged earnings for the occupations listed and includes workers at all levels of education and experience. This data does not represent starting salaries and employment conditions in your area may vary.

    External links provided on Rasmussen.edu are for reference only. Rasmussen College does not guarantee, approve, control, or specifically endorse the information or products available on websites linked to, and is not endorsed by website owners, authors and/or organizations referenced.

    Jess is a Content Marketing Specialist at Collegis Education. She researches and writes student-focused content on behalf of Rasmussen College. As a trained and published poet, she loves discovering new ways to use her writing as a tool to further the education of others.

    Connect with Jess Mansour Scherman

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    What is business acumen and how do you get it? Practically Perfect

    #business acumen

    #

    What is business acumen and how do you get it?

    September 9, 2013 December 29, 2015

    Over the last few weeks I have been developing a twitter strategy for one of my company s clients. They are an online events business and we are helping them with their marketing so I have been learning about hybrid and online events. I already know how to market via social media, I understand the world of events and I can create content fairly easily but prior to. oh I don t know a few weeks ago I knew very little about hybrid events. I would be able to tell you what a hybrid event was but very little else, now I have online event information seeping out of every pore (it isn t very pleasant!)

    The reason I can bring myself up to speed so quickly is because I have spent 10 years working as an assistant and I have become very good at developing business acumen! I also hopped from one industry to another so I had to constantly learn how these business were run, the jargon that was used and the different codes of conduct each industry sector had. I had to understand all of this to support my boss effectively.

    I think it is so very important for assistants to have good business acumen because without it I don t see how we can support our managers or move up the career ladder.

    So what is business acumen?

    I really like this definition of business acumen, it is from the Financial Times Lexicon :

    In practice, people with business acumen are thought of as having business sense or business smarts . They are able to obtain essential information about a situation, focus on the key objectives, recognise the relevant options available for a solution, select an appropriate course of action and set in motion an implementation plan to get the job done.

    So that sounds easy to achieve right? Erm no, I didn t think so either! Developing business acumen takes time, it has to be achieved through learning and training and ultimately it has to be part of your ongoing development plan. Expanding your business acumen has to be constant.

    Having strong business sense isn t easy to develop but it is incredibly important for an assistant to have. We support people that have very strong business acumen, they wouldn t be in the position they are in without it! How can we support them if we do not have an understanding of their business, their strategic objectives and the pressures they face on a daily basis? The difficulty is that a lot of organisations don t understand this need and do not offer assistants the opportunity to attend training courses or take time out of their day to build their business acumen. Many bosses do not see the potential in their assistants or the added bonus of having an assistant with a good knowledge of the business and what that means in terms of the extra support they would receive.

    So how do we develop business acumen?

    There are of course ways around this problem but it does mean that assistants will have to be particularly proactive in developing their own business acumen. Trust me though it is totally worth the effort!

    Firstly, is your manager supportive of your training needs? If so, well done! Ask that you attend training courses on the areas that you could improve, for example business finance or process management. If your manager is supportive then build business acumen improvement into your overall development plan and ensure you have an objective based on the wider business such as working on a cross departmental project.

    Does your organisation have a graduate programme? If it does then ask to attend their initial training sessions on the industry. I did this when I first started working in insurance. There was so much jargon and codes of conduct, especially when working with Lloyd s of London that I asked to attend an Introduction to Insurance course which was in-house and specifically for the new graduates. I was the only EA on the course but it was so helpful and didn t cost my company a penny.

    Does your manager subscribe to business magazines? If they do, this is great because you open their post and can read the magazines before giving it to them! Don t worry I don t think they will be offended that you are reading their magazine they will probably be in total shock that you are taking an interest! Not only does this help with your business knowledge it also gives you something to talk to your boss about, which is great when you don t have a lot in common.

    This brings me to a really important point! Read everything. I love Julie Perrin s blog on business acumen for administrative professionals because it really goes into detail on what assistants should be reading and how to actually create the time to read. This is well worth the read, once you ve finished reading my blog obviously! Reading business material does not cost your company anything and I honestly think it helps enormously.

    Do you take minutes at meetings? Again this is another fantastic way to increase your business acumen. In a previous role I managed 12 Committees all of which had a special interest in different areas of accountancy. I attended all of the Committee meetings and took all of the minutes. During the meetings I would really listen to what everyone was saying and take notes on anything I didn t understand so that I could research it later. I would also talk to the members during refreshment breaks and read all of the supporting documents along with their regular newsletters. Oh my goodness, by the end of the 4 years I worked in that role my knowledge of accountancy was extraordinary! I once attended a networking event for one of the Committees and talked to a new member for half an hour before he realised I wasn t actually an accountant (thank God!)

    Lastly do you attend meetings with your manager? This task will bring you into contact with the company’s decision makers and you will be privy to their conversations and how they come to make decisions. Ensure you listen to these people. If you know why decisions are made in the company then you can start to make choices about your everyday work following the same strategy as the executive team. This will massively increase your knowledge and keep you focussed on improving your business acumen. When it comes to your review you can demonstrate to your manager that not only do you understand the company’s strategy but you are also implementing it into your own work by thinking strategically. This depth of knowledge will be impressive because they might not think you consider the bigger picture.

    Understanding the bigger picture, where your boss fits into it and in turn how you can help support their goals is a fundamental requirement of a great assistant. Developing your business acumen will also give you a fantastic foundation and allow you to move up the career ladder and gain a well deserved promotion.

    And the ability for both of you to exchange information easily online
    makes your being in-house less of a need. Audit-ready books
    also enable a company to make more knowledgeable decisions on a time-sensitive basis.
    If you are an employee of such a company, you need
    to preserve the company. On the grounds that clerk services are
    frequently served on an hourly groundwork, people who work snappier will permit you to
    recover more.





    What Is A Business Analyst And How Much Do They Make? #designer

    #business analyst salary

    #

    What Is A Business Analyst And How Much Do They Make?

    Over the last few years, the generic job title of business analyst has become popular in multiple industries. Although job duties can vary immensely, in the most general terms, business analysts work within a business or organization to identify and implement improvements to help a business achieve its goals. The title of business analyst can describe both entry-level workers and tenured professionals and compensation varies accordingly. This article discusses the work, compensation, and outlook for business analysts.

    The Basics of Business Analysis

    Business analysis is a disciplined, structured, and formal approach to analyzing a business process, identifying improvements, and implementing changes so that the business can better achieve its goals. It is based on facts, figures, and observations.

    The International Institute of Business Analysis provides this job description, “A business analyst works as a liaison among stakeholders to elicit, analyze, communicate and validate requirements for changes to business processes, policies and information systems. The business analyst understands business problems and opportunities in the context of the requirements, and recommends solutions that enable the organization to achieve its goals.”

    Business analysts can serve in many functions in almost any industry. For example, a systems analyst is a business analyst that focuses on how to best use technology to solve problems and improve outcomes. Other job titles where an employee perform business analysis include data analyst, solutions provider, change agent, requirements manager, specifications writer, researcher, product owner, product manager, or management consultant.

    Business analysts may perform quality assurance, requirements gathering, documentation, or client support. They may also specialize in improving sales, by focusing on pre-sales, customer service. client relationship, and account management. Business analysts may also be very internally focused on process improvements within an organization and coordination across multiple departments and stakeholders.

    Some qualities of a good business analyst include the following:

    • Good listening skills

    • Openness to change

    • Adept in multitasking

    • Expertise in prioritization, based on needs of multiple stakeholders

    • Good negotiation skills, to seek timely buy-in on important decisions and prioritization from all stakeholders

    • Identifying process improvement opportunities which can lead to efficiency and output improvements

    Education and Career Path of Business Analysts

    A bachelor’s degree or higher is required. Possible majors include finance, technology, management, and accounting. Because of the number of skills required, most business analyst positions are not open to new college graduates. Most business analysts attain their first position after a few years in a related position such as data analyst, functional analyst, systems analyst, business requirements analyst, or financial analyst.

    The career path of a business analyst can include becoming a senior business analyst, a business analyst specialist in specific areas (such as SAP, Agile, or ScrumMaster), a business manager, a business architect, an enterprise architect, and finally a director or VP-level position. Other experienced business analysts become independent consultants, taking assignments on contract.

    Almost any industry can employ business analysts, but most jobs are in information technology or management consulting firms. Other industries include accounting. investment banking. finance. and market research.

    Salary and Compensation for Business Analysts

    Compensation varies widely and is determined by the factors like location, experience level, and industry. For example, a business analyst working in a large New York-based investment bank will earn more than a business analyst performing market research for an automobile company in Michigan. Candidates who specialize in a specific technology (like SAP) may command higher premiums. Below are the average salary ranges and bonus percentages for business analysts.

    • Entry Level: $40,000 to $70,000 with up to an 8 percent bonus
    • Mid Career: $55,000 to $95,000 with up to a 10 percent bonus
    • Senior Level: $70,000 – $150,000 with up to a 10 percent bonus
    • Overall U.S. Average: $45,000-$110,000 with up to a 10 percent bonus

    Business analyst is a general title for many different job functions in almost any industry. A good candidate should have an undergraduate degree and several years of work experience in the area of business analysis that he or she is interested in. Candidates can also take business analysis certifications courses like those from the International Institute of Business Analysis.





    How Much Car Insurance Do You Really Need? #how #much #car #insurance


    #

    How Much Car Insurance Do You Really Need

    Continue Reading Below

    Shopping for the right amount of car insurance requires some homework and an evaluation of how much coverage your wallet can handle.

    What insurance is required?

    When determining how much insurance you need, start by investigating the insurance that you must have.

    Every state, with the exception of New Hampshire, requires a vehicle owner to carry auto liability insurance. It includes bodily injury coverage, which takes care of other people’s medical bills and related costs when they’re injured in an accident you’ve caused, and property damage coverage, which pays for damage to other people’s cars or other property when you’re at fault.

    Liability coverage has limits often expressed by three numbers in a policy. For example: 100/300/50. The first number is the limit on bodily injury coverage for one person hurt in an accident; the second number is the total payout limit for everyone who was injured; and the third number represents the total amount of property damage coverage available per accident. Each number is expressed in thousands of dollars.

    Continue Reading Below

    Most states have a minimum bodily injury liability coverage requirement of $20,000 to $25,000 per person and $40,000 to $50,000 per accident, says Bob Passmore, senior director of personal insurance lines for the Property Casualty Insurers Association of America. State minimums for property damage liability coverage range from $5,000 to $25,000 per accident, according to Edmunds.com.

    However, you probably want more than just the bare minimum.

    If you have assets to protect, like if you have a home or any sort of other assets like that, those are things that if you don’t have enough insurance (and) you cause an accident where someone’s seriously injured. you could wind up with some of those assets being exposed, Passmore says.

    Are there any other musts?

    Some states also require drivers to have personal injury protection and uninsured/underinsured motorist coverage. Personal injury protection covers medical expenses and lost wages for you and your passengers injured in an accident, and uninsured/underinsured motorist coverage pays for injuries you sustain if you’re hit by a motorist with inadequate car insurance.

    You can find out what coverage you are required to carry by checking with your state insurance department.

    But wait, you say. Isn’t there anything else that must be included in a car insurance policy? Maybe you’ve heard of collision, comprehensive and transportation expense coverage. Isn’t any of that stuff mandatory? And, if not, would a person need it anyway?

    Everything else you might not need to purchase, so you really have to know what your own desires are and (your) needs are, says Jim Whittle, chief claims counsel for the American Insurance Association.

    Car insurance rules of thumb

    Factors to consider when evaluating your car insurance needs:

    • Your age, assets and driving record.
    • The age, make and model of your car.
    • Your risk tolerance, or how much you can pay out of pocket in the event of a claim.
    • Any discounts available to you.

    To help decide how much to spend on coverage:

    • Learn what your state requires.
    • Educate yourself on the different types of coverage available.
    • Consult an insurance agent.
    • Shop around.

    Source: Insurance industry experts.

    How about comprehensive, collision?

    If your vehicle is financed, your lender generally will require you to have collision and comprehensive coverage. But once your loan is paid off, you may choose to forgo one or both types of coverage, depending on the age, make and model of your car.

    Collision coverage pays for damage your car sustains in an accident; comprehensive coverage pays for damage caused by something other than a collision, such as hail or theft.

    If your car is older, then you have some decisions to make. and really what you want to think about is: ‘What’s my financial position? What’s the premium going to be if I carry those coverages? And would I be able to financially take the hit of a loss if I didn’t carry those coverages?’ Passmore says.

    Use online tools, such as Kelley Blue Book, to assess your car’s worth, he adds. This will help you determine whether it still makes sense to carry collision and comprehensive coverage.

    Do I want other add-ons?

    Many insurers offer roadside assistance, including towing and labor coverage, in the event that your car breaks down, runs out of gas or faces a similar emergency. If you already pay membership fees to AAA or a similar auto club, then it may be financially savvy for you to decline this optional coverage.

    MedPay — short for medical payments coverage — pays medical bills for you and your passengers if you’re injured in an accident, regardless of who is at fault. The coverage is required in some states, but if you have health insurance you may decide to go without it.

    Rental car reimbursement, or transportation expense coverage, also is optional. You may decide to go without it if you have a second car and wouldn’t need a rental while your primary one is in the shop after a crash.

    Other ways to cut your premium costs include increasing your deductibles and seeking out any and all discounts that may be available to you.

    As a customer, you have a lot of control over the cost of the insurance, probably more than you think, says Nationwide’s Thursby.

    Ultimately, how do you determine whether you have too little, or too much, car insurance?

    Work with the experts, your insurance agent and insurer, says Whittle, of the American Insurance Association. They’re trained to ask questions to make sure that they’re giving you the coverage you need.

    Copyright 2014, Bankrate Inc.


    How Do Collection Agencies Work? #do #collection #agencies #buy #debt


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    How Do Collection Agencies Work?

    How They Get Your Account

    Collection agencies can be found in two different forms: in-house collection and third-party collection. The in-house collection agencies are most often the billing department for a credit agent or large firm which offered time payments. These are used to collect money while keeping the collection costs low and within the company. Most often this will be the first collection attempt you will come across.

    Third-party, or outside, agencies are those which are hired by a firm to collect a past due amount. These are the most common types of collection agents people come into contact with. These companies either work on percentage or purchase charged-off debt from the original creditor.

    How Collection Agencies Make Money

    Many collection agencies and their agents work off a percentage of what debts or payments they can collect. Others purchase your debt for pennies on the dollar and then attempt to collect the full amount. Usually if a debtor pays off what they owe, the collection agency makes money from either the payments or from the difference between the costs of buying the debt and the amount collected. In most cases, the collection agency makes from one-quarter to one-half of the full amount as profit. If the collection agency cannot collect the debt, they will often sell the debt to another agency to break even and look for more successful accounts; this usually creates the involvement of three or more agencies with one account while the original creditor has written off the account as a loss.

    How Collection Agencies Collect Debts

    Collection agencies have four methods to collect a debt: letters, direct contact, reporting the debt to credit reporting bureaus and suing for the debt. Suing for the debt is the least used method because of cost and time consumed. Letters and direct contact are the most often used and can be the most successful methods. If a constant stream of letters or phone calls does not yield results, often the threat of bad credit will bring results. Most collection efforts will be made with form letters and pre-recorded call messages to save on costs and the need for employees. This allows a collection agency to manage its efforts to collecting money from a greater number of accounts.

    Collection agencies often use flexible payment options to work out an agreement. Some agencies use a discount option where the debtor can pay half of the debt owed to settle the account. This is usually the case when the debt is very old or very large and is used to cover costs and clear dated accounts.


    Apply For Home Loan Online ABHFL India, what do i need to


    #

    what do i need to apply for a home loan

    Home Loan Eligibility & Documentation

    Eligibility Requirement for your PNB Housing Finance Limited Home Loan application:

    • Applicant’s age should not be more than 60 years in case salaried employee and not more than 65 years in case of self-employed professional/ non-professional, at the time of loan maturity.
    • Applicant should be a salaried employee or a self-employed professional/ non-professional.

    Document Requirement for your PNB Housing Finance Limited Home Loan application:

    • Identity Proof (Any One of the following Photo cards): Passport, PAN Card, Voter Id Card, Govt ID, etc
    • Address Proof (Any One of the following documents with current residence address): Passport, Driving License, Phone bill, Electricity / Other Utility bill, Rental agreement etc.
    • 1 recent passport-sized Photograph
    • Financial Documents:
      • Salaried: Latest three month salary slip
      • Self Employed Businessmen/Self Employed Professionals: Certificate & Proof of business existence along with Business Profile.
    • OR

      • Salaried: Last 6 months Bank Statements(salary account)
      • Self Employed Businessmen/Self Employed Professionals: Last 12 months Bank Account Statements (self & business)

    Offline Modes

  • Cheque Payment You can drop a cheque, favoring PNB Housing Finance Limited.
  • Cash Payment You can deposit cash towards your Home Loan at any of the PNB Housing Finance Limited Branches.
  • Auto Debit If you have an account with PNB Housing Finance Limited, you can instruct us to automatically debit your bank account with either the Minimum Amount Due or Total Amount Due of your monthly outstanding on your Home Loan. Your account should be a sole account or a joint account with an ‘any’ or ‘either’ signing mandate

    • Step1:Submit your loan application along with required set of documents.
    • Step2:Your application would be accessed on the basis of various eligibility and funding norms.
    • Step3:A property valuation and title check may be carried out by the company representative to determine the property value and legal clearance of the property to arrive at the loan amount.
    • Step4:Based on the internal and regulatory guidelines, PNBHFL may approve or reject the loan application.
    • Step5:Submission of the original property documents are required along with signing of agreements, handing over of registered property papers and submission of post-dated cheques/ECS.
    • Step6:Upon finding all the documents in order, PNBHFL will disburse the loan amount to the developer/contractor based on the progress of construction. The EMI/Pre-EMI will commence after the disbursement.

    You are eligible for a loan if you are a salaried, self- employed professional or a businessman. Your loan eligibility will be determined by PNBHFL on the basis of factors such as income, age, qualifications, number of dependants, co-applicant’s income, assets, liabilities, stability and continuity of occupation and savings history. Further, the loan eligibility will also be dependent on the value of property selected by you.

  • What percentage of property value can be funded?

    We can fund upto 80% of the property value in case of Home Loan and upto 60% in case of Loan Against Property. However, PNBHFL funding norms may change from time to time.

  • I purchased a property 3 months back; can i get a Home Loan?

    Yes, you can avail re-finance at applicable Home Loan rate within 6 months from the date of property purchase.

    Your loan is repaid through Equated Monthly Installments, which include principal and interest component. EMI repayment starts from the subsequent month of full loan disbursement, while Pre-EMI is the simple interest, payable every month till the time loan is fully disbursed.

  • What are the documents required for applying for a Loan?

    • Salaried:
      • Age Proof (PAN Card, Passport, Any other Certificate from Statutory Authority)
      • Residence Proof (Passport, Driving License, Telephone Bill, Ration Card, Election Card, Any other Certificate from Statutory Authority)
      • Latest three month salary slip
      • Last 6 months Bank Statements(salary account)
      • Form 16 for last 2 years
    • Self Employed Businessmen/Self Employed Professionals:
      • Age Proof (PAN Card, Passport, Any other Certificate from Statutory Authority)
      • Residence Proof (Passport, Driving License, Telephone Bill, Ration Card, Election Card, Any other Certificate from Statutory Authority)
      • Certificate & Proof of business existence along with Business Profile
      • Last 12 months Bank Account Statements (self & business)
      • Last 3 years Income Tax returns (self and business) with Profit & Loss Account & Balance Sheets duly certified/audited by a Chartered Accountant
  • How does floating rate change during the loan tenure?

    Floating rate is linked with our reference rate PNBHFR and may change from time to time as per the market conditions.

  • In case of change of floating rate of interest, will my EMI change or tenure?

    Keeping the borrower’s interest in consideration, EMI is kept unchanged till a point. In exceptional situations, the EMI is changed to support the principal repayment within a time frame.

    The prime security for the loan is by way of deposit of title deeds and/or such other collateral security as may be necessary. The title of the property should be clear, marketable and free from any encumbrances.

  • Can I prepay my Home Loan? Are there any charges applicable?

    Yes, you can prepay your Home Loan any time during the loan tenure. Currently it is free from any charges; however prepayment norms may change from time to time.

  • Can I get additional loan through my existing loan account?

    Yes you can get additional loan through the existing loan account based upon your repayment capacity and title/value of the property. You may contact any of our branches or place a request on our website for any such requirement.

  • How do I get my loan statement and income tax certificate?

    You need to contact your nearest PNBHFL branch to get the required documents; we also send income tax statement to all our customers at the end of every financial year.

    Kindly submit the Post Dated Cheques to your nearest PNBHFL branch before the EMI due date to avoid any late payment charges.

    Property insurance is mandatory in order to protect your property against uncertainties like earthquake, fire or any damage and destruction due to natural and man-made calamities, during the tenure of the loan.

  • What does 10 years fixed rate of interest mean?

    PNBHFL offers a pure fixed rate of interest from the day of first disbursement for the period of 10 years (120 months); thereafter residual loan amount automatically moves to a floating rate of interest which prevails at that time.

  • Can I convert my existing loan from Fixed rate of interest to floating rate of interest to or Vice Versa?

    You will have an option to convert an existing loan under Fixed Rate of Interest scheme to Floating Rate of Interest scheme or vice versa by paying applicable switch fee, please refer to the schedule of charges under “fair practice code” section.

  • Can I prepay my Home Loan? Are there any charges applicable?

    Yes, you can prepay your Home Loan without any charges any time during the loan tenure if the same is under floating rate scheme. For home loan under other schemes, prepayment charges may be applicable, please refer to the schedule of charges under “fair practice code” section.


  • OHosti – Best Free Unlimited Hosting cPanel – Powerful Unlimited Free Reseller


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    Free Unlimited Hosting cPanel

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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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    OHosti – Best Free Unlimited Hosting cPanel – Powerful Unlimited Free Reseller


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    Free Unlimited Hosting cPanel

    Free Unlimited WHM Reseller Hosting

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    Free Unlimited Web Hosting Features :

    Flexible, Easy to Use Control Panel . Unlimited Bandwidth. Unlimited Sub Domains, FTP Accounts, and Email Accounts. 99.9% Uptime Guarantee Build your website using the latest languages including PHP, Ruby, PERL, Python, PostgreSQL, MySQL and more. We also provide SSH access on all Business Hosting plans and have enabled WP-CLI for easy WordPress management.

    Why is Our Free VPS Hosting different than Shared and Dedicated?

    With our OHosti VPS, you get an entire server. This is optimal for people that have very high traffic to their websites or need to setup their server in a very specific way. Not everyone needs to have a fully dedicated web server however. If you’re just getting started with your website, you can save quite a bit of money if you get a free small portion of the server. Shared hosting is when you share a portion of the server with other users rather than rent an entire server to yourself. If you are considering a dedicated server and are unsure if it is right for you, perhaps you will need to get Free VPS Hosting.

    What is our free reseller hosting included?

    Everything you need to get started is included in our Reseller packages for a single, no price (free) :

    Free cPanel:
    Unlike other hosting companies, we never charge you or your clients a fee to manage the content and setup of their websites. cPanel makes that easy.

    Free Domains Resales:
    Not only can you sell web hosting, our Reseller Program also gives you the ability to sell domain names.

    IMAP, POP, SMTP Email:
    We offer a variety of email protocols, meaning your clients can check emails anywhere, on any device, easily.

    Free Backups and Installers:
    We include the Softaculous auto-installer totally Free, so you and your clients can set up websites at the click of a button, and we back your sites up every 24-36 hours, automatically.

    Frequently Asked Questions?

    Why is it all free on OHosti? How do you earn?

    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.

    How long will your hosting be free?

    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?

    Build your website in 4 easy steps:

    • 01 Login to Site Builder
    • 02 Select Web Template
    • 03 Publish to your hosting account
    • 04 Select web template search etc.

    How Much Money Do Master Plumbers Make? #how #much #money #do #plumbers


    #

    How Much Money Do Master Plumbers Make?

    Related Articles

    It could be argued that plumbing kick-started the infrastructure and sanitation of civilization as we know it today. The field has come a long way from terra cotta pipes, but plumbers still fulfill a crucial profession. From unclogging a toilet to designing complex pipe plans for new construction projects, the tasks of plumbers of varying expertise keep our clean water flowing in and our wastewater flowing out. One of the highest ranking in the industry is the master plumber.

    Master Plumber Certification

    As in any job, the adage of paying your dues holds true in plumbing. Before you can move up in the ranks — and the pay scale — to master plumber, you must complete a plumbing apprenticeship program through a union or trade school. Requirements vary from state to state, but typically these are four-year programs that include classroom and on-the-job training. The next step is journeyman, and after holding that position for two years or so, depending on state requirements, you can become a master plumber — but not without passing a state-sanctioned exam. Mastering the trade and all of the laws that go along with it pays off.

    Average Wages

    The Bureau of Labor Statistics does not provide specific data on master plumbers, and instead groups data from plumbers, pipefitters and steamfitters. However, the BLS states that apprentices typically make 30 to 50 percent less than a journeyman or master, so this data can serve as a benchmark. In 2010, the DOL reported the average wage for this trio of trades was $22.43 per hour, or $46,660 per year. The top 10 percent earned about $79,000 per year, while the lower 10 percent brought home an annual salary of about $27,000. The average annual salary is higher than for construction trades as a whole, which has an annual average of about $38,000. Time magazine reported, via an interview with a spokesperson for a Cincinnati, Ohio-based plumbing chain, that master plumbers with five to seven years experience can earn upwards of $100,000 per year.

    Workplace Influence

    The type of plumbing work you do and whether or not you own your own business can affect your earnings as a master plumber. According to the Department of Labor, among the highest paid in the industry are union members. In addition, a master plumber can also work as a foreman, a superintendent or a project manager, each earning higher than the previous. The Department of Labor states that 14 percent of plumbers are self-employed, and owning a business can be quite lucrative — especially when providing emergency service around the clock. Finally, plumbers working in more risky conditions are likely to earn more. The top-paying industry for plumbers and pipefitters, according the BLS, is steel manufacturing, and the most jobs are available in building equipment contracting, nonresidential building construction and utility system construction.

    Geographic Influence

    Where you decide to hang your plumber s belt can also affect your salary. The metro areas with the top average annual salaries, reported in 2011 by the BLS, were Vineland-Millville-Bridgeton, N.J. at $84,030; Nassau-Suffolk, N.Y. at $75,990; and San Jose-Sunnyvale-Santa Clara, Calif. at $75,730. The top three paying states the same year were Alaska, Massachusetts and New York.


    What Can I Do with My International Business Major? #business #marketing

    #international business jobs

    #

    What Can I Do with My International Business Major?

    Overview

    The International Business major, in the McDonough School of Business, provides excellent preparation for students interested in careers involving the coordination of human and material resources toward the achievement of the international goals of the organization. In addition, international business requires special skills to adapt management methods to the needs of foreign environments.

    The concentration is intended to prepare the student for administrative positions in international divisions of American companies; careers in the national or international government agencies concerned with international trade development, the establishment of international businesses; and careers in commercial and investment banking.

    Skills

    The study of international business allows for the development of a core set of skills sought after by employers in a wide range of occupational settings. A sampling of representative skills and abilities follows.

    • Analyze complex and unstructured data
    • Evaluate risks and opportunities
    • Coursework in Finance/Marketing/Management
    • Communicate clearly and persuasively
    • Diplomacy and negotiating
    • Networking
    • Public speaking
    • Awareness of international figures and news
    • Cultural sensitivity
    • Understanding of international politics
    • Understanding of trade regulations
    Sample Internship Opportunities
    • Foreign companies operating in the United States (e.g. Chanel, Airbus)
    • Government Agencies (e.g. US Department of Commerce, State, Treasury)
    • Government Relations (e.g. Council on Foreign Relations)
    • International Banks (e.g. World Bank, Export-Import Bank, International Finance Corporation)
    • Multinational corporations (e.g. Viacom, L’Oreal, Hilton, Ogilvy Mather, Saatchi Saatchi, Disney, Goldman Sachs)
    • Nonprofit Organizations (e.g. Human Rights Watch, Amnesty International)

    Where are Georgetown International Business Majors Now?

    • Financial Analyst
    • Stock Broker
    • Product Manager
    • Economist
    • Consultant Foreign Exchange Trader
    • Foreign Service Officer
    • Trade Specialist
    • Import/Export Coordinator
    • Lawyer Marketing Manager
    • Public Relations Specialist
    • Advertising Executive
    • Human Resources/Human Capitol Management
    Relevant Web Sites and Publications
    Professional Organizations

    For information about career options, internship and full-time opportunities, contact the Career Education Center at One Leavey Center, (202) 687-3493.





    RCM Business – Do You Know These Facts About #start #a #business

    #rcm business

    #

    RCM Business Do You Know These Facts About RCMBusiness.com

    RCM Business is one of the top MLM company in India right now. It has become popular over the years because of its excellent marketing strategy and the benefits that a customer gets.

    If you are thinking of joining RCM Business then I strongly recommend you to read this article so that you can know some of the facts which you can’t know either from your seniors nor from the official website RCMBusiness.com.

    I have worked with RCM for more than 2 years now. And I know everything about the company, hence I could guide you in way that you will never get things wrong way. I am sure, it will give you some of the useful information that can help you to decide if you want to join this company-

    Even if you are already joined in RCM business, you will find some of the important things for you

    So here are some of the points that you need to ponder upon.

    About RCM Business

    RCM Business belonged to Chabra Group. The company is growing rapidly and it has more branches in India than ever.

    It has over 8 million distributors, around 100 depots, more than 5000 PUCs, 1000 bazaars and shopping points and around 750 good quality products.

    The company is booming when it comes to network marketing. RCM Business is committed to high quality products and original services to distributors.

    RCMBusiness.com is getting new distributors and it has also outsourced their job to people like you and me.

    RCM basically a clothing company has become a giant when it comes MLM or multi level marketing company. Perhaps it is India’s biggest MLM company.

    RCM Business

    First you got to understand the business of RCM. RCM is basically a kind of MLM program where you spread word about the product and you get membership.

    If you get more membership under your leadership then you make more profit. You got to convince people by telling advantage of their products and how they could make money by enrolling more people.

    You have to do following things in the RCM business.

    Become a Member by products or there is a paid membership

    First you got to enrol in the RCM program and become a member. A member could be paid once. Once you become a member you get an authority to sell products to other people.

    Becoming a member means you are part of a large network and you will be creating more members under your leadership.

    You have to find new customers and sell products given by the company

    As soon as you become a member you will get various products like grocery items, food items, toothpaste, soap, medicines, clothes, etc.

    You have to sell these products to people and tell them to enroll the RCM program just like you did.

    You must be smart enough for selling those products because you need to persuade people that you have something great to offer.

    As you enrol new customers you get benefits and more money

    Getting a new member under you means you are expanding your network. More members you enrol the more benefit and money you make.

    If a new guy registers for RCM program for say Rs 4500/- then you get a cut on that. Hence if you enrol 5 to 10 people daily then you get 10 times more commission.

    Thus you have to enrol more people and expand your network as much as you can. A successful MLM marketer is the one who has the biggest network of members under him or her.

    Keep on increasing your network day by day

    Now you got to expand your sphere of interest. You have to keep enrolling new people daily and that is a challenge.

    You will not succeed if you cannot enroll new people in your network. You must be smart enough to learn various tricks about getting new members.

    You could learn it from seniors and others who have great experience.

    Focus on advertising skills and leadership quality

    I will continue with last point saying focus on adverting skills. If you have to enroll new customers then focus on advertising.

    You will be putting ads on newspaper, internet and public places like bus stops, college campuses, hospitals, parks etc.

    Advertising must be powerful so that you can get member.

    You also need great leadership quality.

    It is because you would be managing dozens of new members under your leadership.

    You got to guide them and tell everything what they need to do. Your success depends upon their success hence you have to ensure that they succeed. Teach them how to operate the website rcmbusiness.com and how they can enrol the new members.

    So leadership quality is very important.

    RCM Frequent Q and A

    Q: Can you and your family buy and use products regularly?

    A: Yes all your family can buy and use the RCM products and everyone is doing it.

    Q: After you bought products from the company, do you get anything back? Or Manufactures, Dealers or Distributors give a share of profit or some income?

    A: No, you will not get any money back or share of their profit. It is because you make your own money and you don’t have to depend upon distributors or dealers.

    So you do not get anything back after you purchase RCM products.

    Q: Are products cheap or very expensive?

    A: Well, the products are generally cheap but some of them could be expensive also. So you have to choose according to your need.

    Q: Who is prime beneficiary of all this, Manufacturers, Dealers, Distributors or the Customer?

    A: If you want to know the reality then all of them are beneficiaries. But in the end you make most of the money as you get more members under you.

    Q: I want to get in-depth knowledge about the program and the company. How do I get that?

    A: Well you could visit their website www.rcmbusiness.com and find out more information. Read every page their and understand about the company. Moreover, you could also talk to their customer support and find out more information talking directly to agent there.

    Q: Could I make money with RCM MLM program and become rich?

    A: Yes there is an opportunity but you got to smart enough and know how to use RCM. You can definitely become rich if you work hard.

    RCM Business Direct Seller

    For becoming a direct seller for RCM you should have following documents.

    1. Two Passport size colored photograph (Applicant Name Father/Husband Name on Back Side ).
    2. Self attested photocopy of any of the following documents for photo identification.
      1. Passport (Valid)
      2. PAN Card
      3. Voter’s Identity Card
      4. Driving License (Valid)
    3. Self attested Photocopy of any of following documents for address proof:-
      1. Telephone bill not older than 6 months
      2. Bank account statement not older than 6 months(Attested by Bank)
      3. Electricity bill not older than six months
      4. Ration card
      5. Passport (Valid)
      6. Driving License (Valid)
      7. Voter’s Identity Card

    Product Lists

    Some of the products that RCM has are the following

    TOOTHPASTE, TOOTH BRUSH, SOAP, DETERGENT, LIQUID BLUE, PULSES(DAL), SALT, CHILLI POWDER, ALL TYPES OF SPICES, HALDI POWDER, FLOUR (ATTA), TEA COFFEE, BISCUIT, PICKLES, SQUASH, FRUIT JAM, COOKING OIL, PAPAD, TOMATO SAUCE, HEALTH DRINKS, CHAVAN PRASH, DHANIA, HING, HAJMOLA, HAIR OIL, SHAMPOO, FLOOR CLEANER, UTENSIL CLEANER(SOAP/LIQUID), FINAYLE, MOSQUITO COIL, HAND WASH, NAPTHOLIN, PEN, PENCIL, KHATA, SHIRTS, SUIT LENGTH, SAREES, UNDER GARMENTS, COMPUTER ELECTRONICS, INSURANCE, STATIONERY

    RCM Fraud

    Finally I would conclude by saying you have to be very careful when it comes to MLM frauds. Today most of the MLM programs are fraud like Speak Asia which was the fraud of the decade.

    Hence, before making any decision you have to be careful and find out every single detail about the company and their plan.

    Always speak to their customer support and find out more information. This way you can surely avoid a big fraud.

    This article is contributed by Shashi Suman from Bangalore who likes to write about MLM topics.





    Orlando Divorce Without a Lawyer – Paralegal – Cheap, DIY – Uncontested


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    Divorce Filing and Divorce Help in Orlando FL

    For Over 23 Years, I ve Been Helping Many Clients With Their Divorce Documents as a Paralegal in Orlando.

    Why Choose Us For Divorce Help?

    * Free phone consultation to discuss steps and fees to get a low cost divorce

    * Professional, licensed and highly experienced (thousands of clients – really!) paralegal centrally located in Orlando.

    * We see clients by appointment only and offer same day appointments.

    * If you are unable to come into our office, we can schedule a phone conference to start your divorce forms.

    * We use Florida Supreme Court Forms to process your case quickly and accurately. The use of Florida specific forms allows us to assist individuals throughout Florida.

    * You make the decisions (no pushy divorce lawyers telling you what to do!) and we will prepare the paperwork properly and under your direction.

    * Many counties have additional requirements which are not mandated by Florida statutes or Florida Supreme Court rules, no worries as we contact every county and are in compliance with their local rules.

    About Accurate Noel Services in Orlando

    • C entrally located in O rlando
    • Provide self-help legal services and assistance completing legal forms and filing income tax returns.
    • Over 23 years experience
    • Average Reviewer Rating of 4.8 out of 5 Stars
    • Average savings of 75%-80% over hiring an attorney – same quality!
    • Emergency / quick appointments and super fast turnaround times available!
    • Most of our clients are in the greater Orlando area but we service clients throughout the State of Florida. With over 23 years of experience
    • Credit cards accepted.

    Dissolution of Marriage Procedure

    We realize that filing a Dissolution of Marriage (Divorce) can be a difficult decision. We are not attorneys being paid by the hour; we charge a flat rate affordable fee. You will speak to a friendly, caring and knowledgeable case manager who will assist you with your needs. As we are not attorneys, if you require legal advice or need to know your rights, we suggest you consult with an attorney prior to starting a case with us.

    STEP 1 On your initial visit or scheduled phone conference, you will provide us with the information we need to type your Divorce papers. Our fee will be paid at that time. ($250.00 without children or property) and ($450.00 with a child) and the cost of a mandatory parenting class which can be taken online costing approximately $20.00 each. Next we will schedule a follow-up appointment 5 to 10 days later depending on the complexity of your case.

    STEP 2 At the second appointment, you will review the accuracy of the forms and we will make necessary changes. Your signature will then be required and we will notarize your documents free of charge. You may bring your spouse in to sign the papers at the same time or they may make an appointment to sign separately. In the event that your spouse does not agree to sign the papers in our office you do have 3 other options: 1) You can mail the papers to your spouse. They must sign their papers with a notary and return them to you to be filed in the court; or 2) File your papers in the Court first and then have the Clerk of Court forward your papers to the Sheriff to serve the papers on your spouse (additional fee, depending on where your spouse lives); or use a private process server to do the same; or 3) If you have honestly tried all means to locate your spouse and cannot locate them, the court requires a search and a publication in a local newspaper, a consultation with an attorney may be appropriate but is not required.

    STEP 3 File your papers DIRECTLY with the Court along with the filing fee of $408.00. You may ask the court if you qualify to have the court costs waived! Please be aware that we will type all forms contained in the divorce packet that you request, however, the court, NOT US, will set your case for a final hearing to dissolve your marriage.

    Accurate Noel Services will assist you with all your Florida divorce document needs. We DO NOT give legal advice and CANNOT represent you in court. We are form-preparers, also known as non-lawyers. We CAN only provide you with information and assist with document preparation. It s a great option over pure Do It Yourself (DIY) because if you make a mistake, it can stall your case for many months. If we are unable to help you, we do our best to refer you to an attorney who can process your case.

    WHAT TO DO NOW
    Simply call us at (407) 599-0088 now or fill out the form in the upper right of this page to schedule your free consultation to discuss an affordable, fast solution to your divorce situation.


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


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    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.


    How Much Does a Doctorate Degree Cost? #how #much #do #online #degrees


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    How Much Does a Doctorate Degree Cost?

    The Average Cost of a Doctorate Degree

    According to the U.S. Department of Education’s National Center for Education Statistics (NCES), the average net price of a doctorate degree at a public school in the 2013-2014 school year reached $10,725 each year. Private school tuition during the same year rose to $22,607 annually. A typical doctoral program takes five full-time years to complete, bringing the total cost to roughly $53,625-$113,035, depending on whether attendance is at a public or private school.

    Find schools that offer these popular programs

    • Agriculture
    • Architecture
    • Biological and Biomedical Sciences
    • Business
    • Communications and Journalism
    • Computer Sciences
    • Culinary Arts and Personal Services
    • Education
    • Engineering
    • Legal
    • Liberal Arts and Humanities
    • Mechanic and Repair Technologies
    • Medical and Health Professions
    • Physical Sciences
    • Psychology
    • Transportation and Distribution
    • Visual and Performing Arts

    How to Pay for a Doctorate Degree

    NCES reports that over half of all doctoral students attend school full-time and 88.3% borrowed some form of financial assistance in 2011-2012. Many lending companies, non-profit organizations and employers offer financial aid to help students pay for their education.

    Preferred Options

    Fellowships, grants and scholarships do not need repayment, but often come with strict eligibility requirements. Many schools offer annual stipends, assistantships and on-campus teaching jobs to help a student fund his or her education. Doctoral students should look into any type of free aid available before applying for loan assistance.

    Student Loans

    Student loans from public and private lending institutions offer additional means of financing graduate school. Underprivileged students may find federal interest-free loans that may offer deferment of payment for a period of time after graduation.

    Salaries of Doctorate Degree Graduates

    In February 2016, PayScale.com estimated the median salaries for Ph.D. degree holders based on the type of employment. University professors earned a median salary of $68,377 per year. Outside of academia, corporate employees grossed a yearly median income of $103,055, followed closely by self-employed entrepreneurs who earned approximately $99,995 annually. In addition to the education and training a doctoral degree provides, salaries are also contingent on the number of years of experience an employee brings to the position.

    Next: View Schools

    Most people have a perception of med school that includes countless hours of lectures, lab work and studying without much sleep.

    It may no longer be so difficult to get into medical school in the U.S. – almost two dozen new med schools have just opened or.

    Degrees in medical biochemistry typically cover biology and medicine topics. Find out about the curricula of these programs.

    Learn about the education and preparation needed to become a medical investigator. Get a quick view of the requirements as well.


    How do you Apply for College Scholarships? #how #do #you #apply #for


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    How do you Apply for College Scholarships?

    Posted by admin on Friday, October 9, 2015 Leave a Comment

    Introduction

    The cost of college has been increasing rapidly for many years. There are millions of students graduating with thousands of dollars in student loan debt that will take years to pay off. As the costs of college rise, many people are wondering how they will continue to pay for their education. One of the best ways to get help paying for college is through scholarships. Scholarships are generally awarded for academic merit. However, there are certain ways that scholarships can be applied for that will increase the chance of earning the award. Here are several tips and strategies that can be used in order to get the most out of applying for college scholarships.

    Government Based

    There are many government based scholarships that are handed out every year for a variety of reasons. One example of this is in the world of teaching. There is a shortage of teachers in many areas, and the government wants to insure that enough people are going in to the profession. There are many scholarships that students can apply for based on the field that they are going in to. Usually students will have to write a paper of some sort detailing why they are interested in the subject. Although there are a lot of applicants, this is a great value added time for students to take on. Some states have a lottery program that goes directly to the education of the children. Generally there is a minimum grade point average that has to be met in order to qualify for these awards.

    School Based

    The most common way to earn a scholarship is through the school that a person decides to attend. Many schools offer scholarships that can cover some or all of the tuition costs. There is generally a test score and grade point average requirement in order to qualify for these scholarships. One of the best things that a student can do while in school is to work on getting their standardized test scores up. There is a huge difference in scoring a 25 versus a 30 on the ACT when it comes to scholarships. Many school based scholarships are also awarded based on extra activities that a student had while in school. It is always a good idea to take on some extra school activities before going to college.

    Group Based

    Another great way to apply for college scholarships is through various community groups that you may be a part of. There are many organizations that want to help out students with the cost of college. If you are a member of something like the Boy or Girl Scouts, be sure to at least apply for their many scholarship options.

    Online Applications

    Most of the applications that a person fills out for scholarships are going to be online based. With that being said, it is important that all of the information is filled our accurately and on time. Many government scholarships have strict deadlines on when they must be applied for. These deadlines are often many months from the high school graduation date, so it is important to get all of this taken care of ahead of time.

    Conclusion

    Scholarships are one of the best ways to get college paid for because they do not have to be paid back after graduation. There are many different ways to apply for these awards. Always be sure to check the various options at the state level in which you live. One of the biggest factors in choosing a school to attend should be the amount of scholarship money you can have awarded to you.