How To Start An Online Business – The Ultimate Guide To Making

#start online business

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How to start a successful online business

PASSION IS NOT ENOUGH.

How do I get started?

Repeat after me:
PASSION IS NOT ENOUGH

Most “experts” teach you that once you find your passion, you’ll magically become wealthy.

I don’t have to tell you that this plan is missing a few vital steps, such as an actual plan. Before you invest your time and energy creating an online product, ask yourself these questions:

  • How do I know which idea will be most profitable?
  • Will people actually pay?
  • How do I bring in traffic and buyers?
  • What can I do to set my business on autopilot, so it runs on systems instead of on my (limited) time?

Step 2

Solve the right problem (it’s probably not what you’d expect)

I asked readers, “What excites you about starting an online business?” Over 1,000 readers responded with ME-FOCUSED responses about what they wanted from an online business.

OK, we all want something for our work, whether it’s extra money, more free time, or the ability to be our own boss and give ourselves vacation days when the weather’s nice.

But what about your customers?

Nobody will ever give you money to solve your problems. but they’ll love you and happily pay you if you help them solve theirs. And by focusing on them, you’ll immediately stand out in a sea of online businesses that are only looking out for themselves.

What would happen if you said, “I’m really good at helping my friends with their relationship problems. I don’t want to just help people 1-on-1…I want to help THOUSANDS of people.” Or “I love helping people get in shape. I want to help as many people get fit as possible.”

It’s a huge psychological shift.

Once you’ve identified something you believe in, you need to know what idea people will pay for, how much to charge, and how to sell it without being sleazy.

It starts with figuring out what kind of online business you want.

Which online business ideas work best?

When you’re starting an online business, it’s easy to get overwhelmed by tactical minutiae. Should you create software, a physical product, a coaching system, or something else? How do you choose the right software, create your website, figure out drop shipping, and accept payments?

But when you drop what doesn’t work I spent years figuring this part out you’re left with 6 main options for an online business. I’ve systematically tried them ALL over almost a decade, and I’ll let you know exactly which ones are good and bad.

Your 6 options for starting an online business are software (including apps), physical products, ads, affiliate marketing, coaching, and online courses. And they aren’t all created equal.

Coaching is the single-best way to start learning business skills.

Many people don’t even think they can launch an online business. Then hold themselves back by saying things like, “I’m not an expert at personal finance, finding a dream job, or [fill in the blank].”

“I don’t know anything people would pay for!”

Are you sure? Unless you’ve actually tested your idea, the answer is “no.”

“But Ramit, my idea’s too weird/dumb! Nobody would ever pay to learn about it.”

I used to think that, too, until I discovered how many other weird people are out there. Here are just 3 profitable courses I’ve seen in the past year:

  • Toilet Trained Cat. Train cats to use the toilet. Revenue from books and courses.
  • Hear and Play. Learn to play piano by ear, without sheet music or years of lessons. Revenue from courses.
  • The Ultimate Disney World Savings Guide. Vacation at Disney World for half price. Revenue from ebooks.

Do these seem like ideas for normal, successful products? Of course not. These people simply found something they’re good at, then tested the market to see if other people were willing to pay for their knowledge.





Using a business continuity plan template: A free business continuity template and

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Using a business continuity plan template: A free business continuity template and guide

FREE DOWNLOAD:

SearchDisasterRecovery’s business continuity template

For many professionals, these steps present a formidable challenge. To make the process easier, people seek out alternatives, such as software, templates, checklists, or consultants. While each of these options can build a plan and its associated program elements, too often these tools are used to get something done quickly. Typically, the process involves some data gathering and interviewing, followed by a fill-in-the-blanks process that somehow magically creates a finished product.

SearchDisasterRecovery.com has created a free downloadable business continuity template to assist you in your business continuity planning. Download and print out our template, and then read the step-by-step guide below to create a successful business continuity plan .

A GUIDE TO USING OUR BUSINESS CONTINUITY TEMPLATE

Here’s a look a the structure and content of the template, indicating key issues to address and activities to perform.

  • Initial data: If you have identified various people to contact in an incident, locate their contact information at the front of the plan, so you won’t have to waste valuable seconds paging through a lengthy document.
  • Revision management: Have a page that reflects your change management process.
  • Purpose and scope (Sections 1.1 through 1.6): Provide details on these attributes, as well as assumptions, team descriptions, a list of terms, and other background information.
  • How to use the plan (Sections 1.7.1 through 1.7.4): Provide information on circumstances under which the plan will be activated, including outage time frames, who declares a disaster, and who should be contacted on this situation.
  • Provide policy information (Section 1.7.5): this is a good place to use standards documents as references.
  • Emergency response and management (Section 1.7.6): Specify situations in which the plan is to be activated and response procedures.
  • Use step-by-step procedures (Sections 1.7.7 through 1.7.10): These are easier to follow than broad general statements such as relocate to alternate building that require considerable details to work properly.
  • Describe how often the plan is to be reviewed and updated, and by whom (Section 1.8).
  • Assuming a situation has occurred, Section 2 provides steps to take to address it; these can be in the form of checklists (useful to keep track of scheduled and completed tasks) and flow diagrams that provide a high-level view of response and recovery.
  • Information needs to be gathered before officially declaring a disaster; this includes damage assessment data and first-hand reports from staff and first responders; convene meetings as needed with key emergency team members to evaluate the facts before proceeding to a declaration.
  • Section 3 addresses actions to take when it becomes obvious that management needs to declare a disaster. A damage assessment can be initiated either before or after the declaration; it is up to company management.
  • Section 4 provides detailed instructions on recovering operations, relocating to an alternate site and related activities.
  • Detailed appendices are provided in Section 5; these include lists and contact details on all emergency teams, primary and alternate vendors, alternate work space locations. and other relevant information. It is very important to keep this information up to date.
  • Additional forms can be found in Appendix 5.7; these should be developed in advance, validated by exercising (as is the entire plan) and kept in a ready-to-use format.

GENERAL BUSINESS CONTINUITY PLANNING TIPS

Here’s a checklist of things to keep in mind during business continuity planning:

  • Take the process seriously. If you want to protect your business from unplanned events that could disrupt operations, create a plan. It doesn’t have to be hundreds of pages long. It just needs the right information, and that information should be current and accurate.
  • Use disaster recovery/business continuity standards as a starting point. Almost two dozen business continuity standards are available worldwide. In the U.S. several options are currently in use:
    1. NFPA 1600 (the current U.S. national standard)
    2. BSI BS 25999 (the British standard)
    3. FFIEC Business Continuity Handbook (used by the banking and finance sectors)
    4. DRII/DRJ Generally Accepted Principles (GAP)
  • Keep it simple. Less can definitely be more in this situation, unless the user is primarily a technology-based group, such as IT.
  • Limit content to actual disaster response actions. Assuming you are creating a plan to respond to specific incidents, include only the information needed for the response and subsequent recovery.
  • Make it happen. Once the business continuity plan is complete, exercise it to ensure that the documented procedures make sense in the sequence indicated.
  • Be flexible. A single template may not be universally applicable to all department and/or locations in your organization; consider other templates, software or consultants.

The keys to a creating a successful business continuity plan are to define step-by-step procedures for response and recovery, validate these activities through periodic exercising, and maintain the plan and its various components up to date.

More business continuity template resources

About this author:
Paul F. Kirvan, FBCI, CBCP, CISSP, has more than 20 years experience in business continuity management as a consultant, author and educator. He is also secretary of the Business Continuity Institute USA Chapter.

This was first published in April 2009





Communications Guide: How to Improve Your Communication Skills #business #laptops

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A Crash Course in Communication Need a quick refresher on effective interpersonal interaction? Two communication experts offer 12 steps to smoother conversations. Lost in Translation Thanks to e-mail, BlackBerrys, and text messaging, the face-to-face encounter is becoming a dying art. Here’s why you should revive it. The Power of Listening How does an old-line manufacturer in a stagnant industry manage to grow 25% a year for 10 years? By taking its employees seriously. Do as I Say: Quick Tips for Masterful Communication Tired of doing all the talking and not having your message get through to your staff? Try these suggestions to improve your leadership communication skills. Just Listen to Yourself Tape yourself to better understand your communications style. Powerful Questions Can Have a Powerful Effect Questions can be one of the most effective communication tools available to us. Do you use questions enough in your day-to-day interactions? When Do You Lie? Strategies For More Authentic, Respectful Communication Lies come in all shapes, sizes and colors. (Ever heard of flat-out, teensy or white lies?) This article focuses on when it’s appropriate, if at all, to lie. 10 Tips for Communicating Change Transition is inevitable, but exactly what you say and how you say it can make a major impact on how change is handled in your company. How to Motivate Employees Kevin Plank, founder of Under Armour, says it is vital to maintain regular face-to-face communication with employees even as a company expands. The 4-1-1 On Constructive Criticism Being critical is easy, and offering criticism seems easier still. Yet constructive criticism – – the more refined and effective brand of critical feedback – – is like an art. Lost in the Translation Tips on communicating with employees who don’t speak English.
How to Say You’re Sorry Apologizing is part of doing business. But do it wrong, and you’ll really be sorry. Tips on Becoming a Good Conversationalist In this excerpt from How to Work a Room: The Ultimate Guide to Savvy Socializing in Person and Online learn tips for becoming a talk target — someone with whom it is easy to make conversation.
10 Tips for Successful Networking Keith Ferrazzi needs two PalmPilots to keep track of all his contacts, people like Bill Clinton and Michael Milken. But there’s far more to cracking the inner circle of the power elite than just taking names.

Powerful Presentations Small-business columnist Rhonda Abrams shares nine strategies for giving powerful presentations. Reinventing the PowerPoint New tech tools to liven your tired old PowerPoint presentations–and give your online marketing efforts a boost. Perfecting Your Pitch Check out these tips from entrepreneurs and business experts on creating pitches that can help you raise capital. More Power Than Point PowerPoint (or “presentation software”) has become the lingua franca of American business. It’s also become the problem with American business. Best of the Net: Power Brokers When it comes to presentation software, most users agree there’s one clear standard. We’ve found some Web-based resources to help you make your point. Captivate Audiences with Powerful Presentations Do you want your speeches to pack a punch? Professional speaker and speech consultant Patricia Fripp offers ideas on humor, movement, and vocal techniques. Short and Sweet: Mastering Quick Presentations Called on to make a brief speech? Professional speaker and speech coach Patricia Fripp offers tips for saying what you want, short and sweet. Present Before You Propose Improve your presentation by saving handouts until the end. Finding the Perfect Pitch Watch three rookies gear up for the investor presentation of a lifetime. The Seven Habits of Highly Effective Presenters Entrepreneurs learn pretty quickly that making a verbal pitch to investors is very different from submitting a written business plan. Here are seven good practices gleaned from a venture-capital boot camp. Elements of a Winning Pitch A presentation to potential investors in your business — to family, friends, or angels — should include most of these elements.

Escape From Meeting Hell It’s time for another soul-sapping, oxygen-depriving, time-wasting, mind-numbing company meeting. Or is it? We offer 15 clever solutions to the problems with most meetings. Meetings Go Virtual Web conferencing and other collaboration technologies — tools that help people work with one another through their computers — have become more available and affordable. This is a boon for smaller companies whose only previous collaboration option was to gather workers in a room with coffee, donuts and a whiteboard. Meetings 101: Was That a Good Meeting, or a Bad One? Five simple factors that help ensure every meeting is a good meeting. Tools for Boosting Communication Effectiveness Tips on how to boost the effectiveness of communication in meetings, during change initiatives, and in interviews. Advice on Getting the Most Out of Meetings Keith Lamb shares some advice on getting the most out of your meetings. Cure the Sick-Meeting Ills Ineffective meetings may be wasting time and lowering morale. Two communication experts offer seven strategies for dramatically improving your meetings. How to Manage Meetings More Effectively A look at companies that hold unique meetings for developing products, building camaraderie, generating ideas, and reviewing employees’ needs and achievements.

Writing and Organizing a Winning Speech Public speaker and speech consultant Patricia Fripp suggests following one of two basic outlines for your speech. She also offers speechwriting tips. Polishing and Rehearsing for a Perfect Presentation You’ve written a speech, but there’s still work to do before delivering it. Patricia Fripp gives six suggestions for making sure your speech hits home along with several ideas on effective rehearsing. Deliver a Stellar Speech Powerful presentations happen when you check out the room in advance and work to connect with the audience when talking. Patricia Fripp offers ideas for ensuring that what you say is a smashing success. No More Pre-Speech Jitters From virtual reality therapy to positive visualization, we’ve got relaxation techniques to help offset your fears of public speaking. Free Speech Preparing for a big speech? Resources on the Web can help.

Work through Writer’s Block Need help working through some written projects? Two communication experts offer eight tips for clear and effective writing. Writing Well on the Web Content is king. Here are easy ways to make your website more reader-friendly. Polish Your Prose Poor grammar and punctuation in proposals and reports could cost you business. How to Blog The trick, say experts and longtime bloggers, is restraint. “For marketers, it’s about being more authentic, which is so ironic,” says one analyst.
How to Drive Traffic to Your Company’s Blog Driving traffic to your small business’ corporate blog takes equal parts old-fashioned marketing and contemporary Web tools.

Troubleshooting

Are You Assertive or Aggressive? Assertiveness is the skill that tops the list for success or failure in any workplace situation. Learn how to be more assertive — not aggressive — and apply it to your interactions. Get Your Point Across without Being Rude Is your communication style a little rough around the edges? Here are five techniques for saying what you mean without making enemies in the process. Communicating When People Leave You Speechless Improved communication is a nice idea, but can it work in the real world? Take a look at these real-life business issues and suggestions for better communication that may lead to better business.





Gear, Software – Other Products Guide – Photography Concentrate #business #supply

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Gear, Software Other Products Guide

A photographer needs a camera. But which one will work best for what you hope to achieve? And how about all of those software and app options that will help take your photos to the next level, and keep your business organized and efficient. And then there are the scanners, printers and photobooks that ll take your photos off the screen and put them into the hands of you and your clients. Across the board, there are an overwhelming number of options. Finding the right ones can make your head spin!

Well, the good news is that the tools don t matter nearly as much as the photographer. What really makes for great photos is you! But you still need some equipment to get you there, so check out thesearticles to help make gear, software and printing decisions a little simpler!

Gear

If you’re looking to learn how to take control over your camera, check out our tutorial Extremely Essential Camera Skills. It mixes text, video, illustrations and sample photos to help you get confident with your camera, super fast!

Software Apps

Need some help finding your way around Lightroom? Check out our tutorial, Super Photo Editing Skills. which uses video to show you how to navigate Lightroom 4, easily. Awesome!

Albums, Printers Scanners

Looking to sharpen your album design skills? Check out our tutorial, Awesome Album Design Skills. which uses videos and handy guides to teach you all you need to know to create beautiful albums in InDesign.

FREE Lightroom Presets! Yes!

Want to see how quick and easy it is to make stunning edits to your photos using Lightroom? Sign up for our free club and you’ll get a ton of high quality presets, totally free. Put your email in the form below and let’s get started!

About Rob + Lauren

We are two photographers who are obsessed with the magic of photography. We like it so much, in fact, that we want to help other people do it, so they can be super happy too.

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Financing a business guide #business

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Financing a business guide

Table of contents

Business planning

Securing financial assistance to start your new business is directly related to the strength of your business plan and the research that you do. To be considered for funding from financial institutions or investors, you must demonstrate that you understand every aspect of your business, and its ability to generate profit.

What is a business plan?

A business plan is a written document that describes your business objectives and strategies, your financial forecasts, and the market you are targeting. Preparing your plan will help you focus on how to run your new business with the best chance for success.

For copies of sample business plans call us at:
1-888-576-4444

Market research

To run a successful business it is helpful to know who your customers are, what they want and how to reach them. You can go directly to your customers for answers (primary market research), or you can use information that already exists (secondary market research).

CBO can help you with your secondary market research. Contact us directly for:

  • information about business associations, manufacturers, suppliers and competitors
  • articles about consumer, business and industry trends
  • Canadian consumer spending statistics and demographic data for market research
  • sample business plans
  • international trade data

The secondary market research service is offered free of charge and is available for people at any stage of business in Ontario.

Note: Research requests may take up to seven business days to complete.

Business advisory services

Find information about Ontario’s small business community, attend seminars, and access business publications at various in-person locations across Ontario.

Services vary based on regional needs, so we suggest you call ahead or visit your local office s website for more detailed information for your area.

Financing programs

There are many different ways to finance your business. Canada Business can help you find government programs that are available in Ontario.

Common sources of business financing include:

The Canada Small Business Financing Program (CSBFP)

By sharing the risk with your financial institution, the CSBFP may help you get up to $1 million to start, expand, modernize or improve your small business. To be eligible your business should have annual gross revenues of no more than $10 million.

You can use the loan to finance the cost of purchasing or improving fixed assets. For example, you could finance:

  • buildings and land
  • commercial vehicles
  • business equipment
  • leasehold improvements for a franchise

You cannot use the loan to finance items such as:

  • working capital
  • inventories
  • franchise fees
  • research and development

To apply for this program, contact an approved bank, caisse populaire or credit union. The lending institution has the final say on the loan approval.

The Business Development Bank of Canada (BDC)

If you can demonstrate that your business has realistic sales potential, you may be eligible for financing and management services from the BDC, Canada s bank for business. Learn about a variety of programs for business, including:

Ontario Community Futures Development Corporations (CFDCs)

You may be eligible for a loan of up to $150,000 to start or grow your business in Northern Ontario or in rural areas of Southern and Eastern Ontario. CFDCs provide financing to help new or existing businesses with start-up, expansion or stabilization plans that help maintain or create jobs. You can also take advantage of several business support services, including:

  • business advice, counselling, information and referrals
  • business planning
  • export support
  • entrepreneurial training

Please note that services vary based on regional needs. We suggest you call ahead or visit your local office s website for more detailed information for your area.

Futurpreneur Canada Start-Up Program

You may be eligible for a loan of up to $15,000 from Futurpreneur Canada.

To be eligible, you should:

  • Be between the ages of 18 to 34
  • Create a business plan for a business that will employ you full time
  • Work with a mentor for two years
  • Own at least 51% of your business

If you are approved for funding from Futurpreneur Canada, you may also be eligible for additional funding of up to $30,000 through a special partnership with the Business Development Bank of Canada (BDC).

For more information or to apply for the loan, visit the Futurpreneur Canada website or call them to find the nearest office.

For applicants aged 35 to 39, you can also apply through Futurpreneur Canada and work with one of their mentors, but your financing terms and conditions are from BDC for a maximum loan of $45,000.

Financing search tools

To search for other financing programs, visit the Canada Business website. There are programs that apply only to businesses in Ontario, and others that are available across Canada. Use the search tool or browse by type of financing.

Municipal business programs

Your local municipal office may offer financing and support for your area. You can find the number for your municipality on the Association of Municipalities of Ontario website. Contact them directly to find out what is available in your area.

You can also find books, magazines and other relevant print material at business service organizations in your community. To locate a Canada Business Ontario (CBO) community partner, contact us at 1-888-576-4444 .

Supplemental content

Related Topics

Business planning FAQs Find the answers to questions often asked about preparing a business plan. Sources of private sector financing Find out about the debt and equity financing available from the private sector for your business needs. Financing from non-government organizations There may be not-for-profit or community-based organizations that can offer you financing or direct you towards financing.

Date modified: 2016-01-28





Sample business continuity plan template for SMBs: Free download and guide #printable

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Sample business continuity plan template for SMBs: Free download and guide

For small- to medium-sized businesses (SMBs), the business continuity planning process contains several steps. These include: project initiation, risk assessment, business impact assessment, strategy development, business continuity plan development, business continuity plan testing and maintenance, emergency communications, awareness and training, and coordination with public authorities. This is comparable to the business continuity process found in larger organizations except for the fact that for SMBs, the business continuity planning process can be simplified, depending on the size and complexity of the organization.

For many SMBs, the above business continuity planning activities pose a formidable challenge, especially from the perspectives of time, money and resources. To make the process easier, SMBs have several options, such as business continuity planning tools and software, business continuity templates. checklists or consultants. Each of these options can create a plan and its associated elements, however, because of their simplicity, SMBs often use them to get something done quickly. And regrettably, after a plan has been developed, that’s the end of the process. Few SMBs invest in exercises to make sure their plans will work.

In this business continuity planning guide, we’ll try and simplify this process for SMBs. We’ll start off with a more or less standard sample business continuity plan template. Read this guide, and then download our free sample business continuity plan template for smaller businesses and you’ll be well on your way to developing a successful business continuity plan.

FREE DOWNLOAD: BUSINESS CONTINUITY TEMPLATE

To have develop a successful business continuity plan, we recommend the following steps:

  • Make sure you have the right information. Your business continuity plan doesn’t have to be hundreds of pages long. It just needs the right information, and that information should be current and accurate. A one-page plan with the right information can be more valuable than a voluminous document that nobody can use.
  • Go to www.ready.gov (part of the Federal emergency Management Agency site) and look at the emergency plan development information available at that site. The information at ready.gov can serve as an effective complement to the template we provide in this report.
  • Standards can provide a useful starting point. Almost two dozen business continuity standards are available worldwide. In the U.S. several options are currently in use: NFPA 1600 (the current U.S. national standard), BSI BS 25999 (the British standard) and FFIEC Business Continuity Handbook (used by the banking and finance sectors).
  • Limit content to actual disaster response actions.
  • Make it happen. Once the plan is complete, exercise it semiannually it to ensure that the documented procedures make sense in the sequence indicated.
  • Be flexible. A single template may not be universally applicable to all departments and/or locations in your organization.

Next, we’ll examine the structure and content of the template, indicating key issues to address and activities to perform.

  1. Initial data: If you have identified various people to contact in an incident, locate their contact information at the front of the plan (emergency notification contacts), so you won’t have to waste valuable seconds paging through a lengthy document.
  2. Revision control page: This page is located on the second page of the plan and it reflects your change management process.
  3. Purpose and scope: Provide details on these attributes, as well as assumptions, team descriptions, a list of terms, and other background information.
  4. Instructions for using the plan: Provide information about when and how the plan will be activated, including outage timeframes, who declares a disaster, and who should be contacted.
  5. Policy information: This is a good place to use standards documents as references.
  6. Emergency response and management: Specify situations in which the plan and response procedures are to be activated.
  7. Plan review and maintenance: Describe how often the plan is to be reviewed and updated, and by whom.
  8. Checklists and flow diagrams: Assuming a situation has occurred, have steps identified to address it; these can be in the form of checklists (useful to keep track of scheduled and completed tasks) and flow diagrams that provide a high-level view of response and recovery.
  9. Notification of incident affecting the site: Information needs to be gathered before officially declaring a disaster; this includes damage assessment data and first-hand reports from staff and first responders; convene meetings as soon as possible with key emergency team members to evaluate the facts before proceeding to a declaration.
  10. Decide on course of action: This section addresses actions to take when it becomes obvious that management needs to declare a disaster. A damage assessment can be initiated either before or after the declaration; it is up to company leadership.
  11. Business recovery phase: This section provides instructions on recovering operations, relocating to an alternate site and related activities.
  12. Appendixes: Detailed appendixes are provided at the end of the template; these include lists and contact details on all emergency teams, primary and alternate vendors, alternate work space locations, and other relevant information. It is very important to keep this information up to date.

The process of developing a business continuity plan for SMBs is generally a straightforward process. The keys to success include defining step-by-step response and recovery procedures, validating these activities through tests, and keeping the plan up to date.

This was first published in October 2010





Stock Market Reporting – Complete Guide To Corporate Finance #minority #small #business

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Stock Market Reporting

One of the primary tools for reporting stock market activity is the ticker tape. You’ve seen them on business programs or financial news networks: a flashing series of baffling letters, arrows and numbers scrolling along the bottom of your TV screen. (For a short history of the letters, read The Evolution Of Ticker Symbols and Wall Street History: Windows 1.0 And Ticker- Tape Parades .)

While many people simply block out the ticker tape. others use it to stay on top of market sentiment and track the activity of certain stocks. But what exactly is that cryptic script reeling by? It obviously tells us something about stocks and the markets, but how does one understand the ticker tape and use it to his or her advantage?

Brief History
Firstly, a tick is any movement, up or down, however small, in the price of a security. Hence, a ticker tape automatically records each transaction that occurs on the exchange floor, including trading volume. onto a narrow strip of paper, or tape.

The first ticker tape was developed in 1867, following the advent of the telegraph machine, which allowed for information to be printed in easy-to-read scripts. During the late 19 th century, most brokers who traded at the New York Stock Exchange (NYSE) kept an office near it to ensure they were getting a steady supply of the tape and thus the most recent transaction figures of stocks. These latest quotes were delivered by messengers, or “pad shovers,” who ran a circuit between the trading floor and brokers’ offices. The shorter the distance between the trading floor and the brokerage, the more up-to-date the quotes were.

Ticker-tape machines introduced in 1930 and 1964 were twice as fast as their predecessors, but they still had about a 15-20 minute delay between the time of a transaction and the time it was recorded. It wasn’t until 1996 that a real-time electronic ticker was launched. It is these up-to-the-minute transaction figures – namely price and volume – that we see today on TV news shows, financial wires and websites. And while the actual tape has been done away with, it has retained the name. (See How Has The Stock Market C hanged? to learn more about the evolution of trading.)

Due to the nature of the markets, investors from all corners of the globe are trading a variety of stocks in different lots and blocks at any given time. Therefore what you see one minute on a ticker could change the next, particularly for those stocks with high trading volume, and it could be some time before you see your ticker symbol appear again with the latest trading activity.

Reading the Ticker Tape
Here’s an example of a quote shown on a typical ticker tape:

Throughout the trading day, these quotes will continually scroll across the screen of financial channels or wires, showing current, or slightly delayed, data. In most cases the ticker will quote only stocks of one exchange, but it is common to see the numbers of two exchanges scrolling across the screen.

You can tell where a stock trades by looking at the number of letters in the stock symbol. If the symbol has three letters, the stock likely trades on the NYSE or American Stock Exchange (AMEX). A four-letter symbol indicates the stock likely trades on the Nasdaq. Some Nasdaq stocks have five letters, which usually means the stock is foreign. This is designated by an ‘F’ or ‘Y’ at the end of the stock symbol. To learn more, see Why do some stock symbols have three letters while others have four?

On many tickers, colors are also used to indicate how the stock is trading. Here is the color scheme most TV networks use:

Green indicates the stock is trading higher than the previous day\’s close.
Red indicates the stock is trading lower than the previous day\’s close.
Blue or white means the stock is unchanged from the previous closing price.

Before 2001, stocks were quoted as a fraction, but with the emergence of decimalization all stocks on the NYSE and Nasdaq trade as decimals. The advantage to investors and traders is that decimalization allows investors to enter orders to the penny (as opposed to fractions like 1/16).

Which Quotes Get Priority?
There are literally millions of trades executed on more than 10,000 different stocks each and every day. As you can imagine, it’s impossible to report every single trade on the ticker tape. Quotes are selected according to several factors, including the stocks’ volume, price change, how widely they are held and if there is significant news surrounding the companies.

For example, a stock that trades 10 million shares a day will appear more times on the ticker tape than a small stock that trades 50,000 shares a day. Or if a smaller company not usually featured on the ticker has some ground-breaking news, it will likely be added to the ticker. The only times the quotes are shown in predetermined order are before the trading day starts and after it has finished. At those times, the ticker simply displays the last quote for all stocks in alphabetical order.

Constantly watching a ticker tape is not the best way to stay informed about the markets, but many believe it can provide some insight. Tick indicators are used to easily identify those stocks whose last trade was either an uptick or a downtick. This is used as an indicator of market sentiment for determining the market’s trend.

So next time you’re watching TV or surfing a website with a ticker, you’ll understand what all those numbers and symbols scrolling across your screen really mean. Just remember that it can be near impossible to see the exact price and volume at the precise moment it is being traded. Think of a ticker tape as providing you with a general picture of a stock’s “current” activity.

Stock tables are another source of stock market reporting. Open any financial paper and you will see stock quotes that look something like the image below. In this section, we’ll explain how to make sense of these tables so that you can use the information to your advantage.

Let’s take a look at the stock/quotes table:

Columns 1 2: 52-Week High and Low. These are the highest and lowest prices at which a stock has traded over the past 52 weeks (one year). This typically does not include the previous day’s trading.

Column 3: Company Name and Type of Stock. This column lists the name of the company. If there are no special symbols or letters following the name, it is common stoc k. Different symbols imply different classes of shares. For example, “pf” means the shares are preferred stock.

Column 4: Ticker Symbol. This is the unique alphabetic name which identifies the stock. If you watch financial TV, the ticker tape will quote the latest prices alongside this symbol. If you are looking for stock quotes online, you always search for a company by the ticker symbol. If you don’t know a particular company’s ticker symbol, you can search for it at sites like Investopedia.

Column 5: Dividend Per Share. This indicates the annual dividend payment per share. If this space is blank, the company does not currently pay out dividends.

Column 6: Dividend Yield . This is the percentage return on the dividend. Dividend yield is calculated as annual dividends per share divided by price per share.

Column 7: Price/Earnings Ratio (P/E ratio). This is calculated by dividing the current stock price by earnings per share from the last four quarters. (For more on how to interpret this, see Understand The P/E Ratio .)

Column 8: Trading Volume . This figure shows the total number of shares traded for the day, listed in hundreds. To get the actual number traded, add two zeros to the end of the number listed.

Column 9 10: Day High and Low. This indicates the price range in which the stock has traded throughout the day. In other words, these are the maximum and the minimum prices that people have paid for the stock.

Column 11: Close. The close is the last trading price recorded when the market closed on the day. If the closing price is more than 5% above or below the previous day’s close, the entire listing for that stock is bold-faced. Keep in mind, you are not guaranteed to get this price if you buy the stock the next day because the price is constantly changing, even after the exchange is closed for the day. The close is merely an indicator of past performance and, except in extreme circumstances, it serves as a ballpark of what you should expect to pay.

Column 12: Net Change.
This is the dollar value change in the stock price from the previous day’s closing price. When you hear about a stock being “up for the day,” it means the net change was positive.

Quotes on the Internet
Nowadays, it’s far more convenient for most people to get stock quotes off the internet. This method is superior because most sites update throughout the day and give you more information, news, charting and research.





Small Business Startup Guide #free #business #listing

#small business startup

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Quotes delayed at least 15 minutes. Market data provided by Interactive Data. ETF and Mutual Fund data provided by Morningstar, Inc. Dow Jones Terms Conditions: http://www.djindexes.com/mdsidx/html/tandc/indexestandcs.html. S P Index data is the property of Chicago Mercantile Exchange Inc. and its licensors. All rights reserved. Terms Conditions. Powered and implemented by Interactive Data Managed Solutions

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How To Start a Cleaning Business: Quick Start Guide (updated for 2016)

#cleaning business

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How to Start a Cleaning Business
(free quick-start guide)

A cleaning business can be extremely profitable, rewarding and flexible. The start-up costs are low, demand for cleaning services is increasing, and profit margins can be high.

In fact, there are many six and seven figure cleaning businesses operating in Australia today, and most of these businesses were created from nothing by someone in exactly the same position as you are today!

In this FREE guide, we ll show you how to replicate their success, get started quickly, and avoid the mistakes most businesses make.

Ready to learn how to start a cleaning business? Let s jump straight in

Step 1: What Type of Cleaning Business Should You Start?

Start with just one or two core services, and add more as you grow. This will keep things simple, help reduce your start-up costs (you only have to purchase one set of equipment and/or products) give you time to refine your systems and processes.

As you expand your business, you can add additional and complementary services quite easily and quickly.

Resist the temptation to be everything to everyone; remember specialists can charge more than generalists!

Questions to ask before starting your cleaning business

When choosing the services your business will provide, consider the following:

  • What are the training / licensing requirements (or recommendations)?
  • How much will professional grade equipment / cleaning products cost?
  • What interests you the most?
  • What is the demand for the service?
  • What is the lifetime value of a customer?

For many people, providing a domestic cleaning service is the ideal place to start. Start-up costs are very low, and demand is increasing every year as people look to outsource their home cleaning.

All you need to get started are some professional cleaning products, a few low-cost pieces of equipment public liability insurance and you are in business!

Because the start-up costs are low, it does mean that there can be more competition; however, if you follow our marketing tips you ll never have to worry about the competition!

If you wish to offer a more skilled niche cleaning service, you ll need to be willing to invest more money to purchase equipment, and time to acquire the necessary skills and qualifications.

For example, in order to start a professional carpet cleaning company you ll need a high quality portable or truck-mounted carpet cleaning machine (which will cost at least $10,000 and up to $100,000).

The higher investment costs does mean competition is lower and you can demand higher prices, which is why we recommend adding on these additional services once you have established your business ( have existing customers to sell to!).

Step 2: Start Your Own Business or Buy a Franchise?

There are advantages and disadvantages to both options. and at the end of the day it comes down to your personal preference and individual situation.

Start your own business and enjoy the freedom to create a business that meets your own financial and lifestyle goals (but make sure you get the right help support along the way!).





Sample business continuity plan template for SMBs: Free download and guide #business

#business continuity plan

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Sample business continuity plan template for SMBs: Free download and guide

For small- to medium-sized businesses (SMBs), the business continuity planning process contains several steps. These include: project initiation, risk assessment, business impact assessment, strategy development, business continuity plan development, business continuity plan testing and maintenance, emergency communications, awareness and training, and coordination with public authorities. This is comparable to the business continuity process found in larger organizations except for the fact that for SMBs, the business continuity planning process can be simplified, depending on the size and complexity of the organization.

For many SMBs, the above business continuity planning activities pose a formidable challenge, especially from the perspectives of time, money and resources. To make the process easier, SMBs have several options, such as business continuity planning tools and software, business continuity templates. checklists or consultants. Each of these options can create a plan and its associated elements, however, because of their simplicity, SMBs often use them to get something done quickly. And regrettably, after a plan has been developed, that’s the end of the process. Few SMBs invest in exercises to make sure their plans will work.

In this business continuity planning guide, we’ll try and simplify this process for SMBs. We’ll start off with a more or less standard sample business continuity plan template. Read this guide, and then download our free sample business continuity plan template for smaller businesses and you’ll be well on your way to developing a successful business continuity plan.

FREE DOWNLOAD: BUSINESS CONTINUITY TEMPLATE

To have develop a successful business continuity plan, we recommend the following steps:

  • Make sure you have the right information. Your business continuity plan doesn’t have to be hundreds of pages long. It just needs the right information, and that information should be current and accurate. A one-page plan with the right information can be more valuable than a voluminous document that nobody can use.
  • Go to www.ready.gov (part of the Federal emergency Management Agency site) and look at the emergency plan development information available at that site. The information at ready.gov can serve as an effective complement to the template we provide in this report.
  • Standards can provide a useful starting point. Almost two dozen business continuity standards are available worldwide. In the U.S. several options are currently in use: NFPA 1600 (the current U.S. national standard), BSI BS 25999 (the British standard) and FFIEC Business Continuity Handbook (used by the banking and finance sectors).
  • Limit content to actual disaster response actions.
  • Make it happen. Once the plan is complete, exercise it semiannually it to ensure that the documented procedures make sense in the sequence indicated.
  • Be flexible. A single template may not be universally applicable to all departments and/or locations in your organization.

Next, we’ll examine the structure and content of the template, indicating key issues to address and activities to perform.

  1. Initial data: If you have identified various people to contact in an incident, locate their contact information at the front of the plan (emergency notification contacts), so you won’t have to waste valuable seconds paging through a lengthy document.
  2. Revision control page: This page is located on the second page of the plan and it reflects your change management process.
  3. Purpose and scope: Provide details on these attributes, as well as assumptions, team descriptions, a list of terms, and other background information.
  4. Instructions for using the plan: Provide information about when and how the plan will be activated, including outage timeframes, who declares a disaster, and who should be contacted.
  5. Policy information: This is a good place to use standards documents as references.
  6. Emergency response and management: Specify situations in which the plan and response procedures are to be activated.
  7. Plan review and maintenance: Describe how often the plan is to be reviewed and updated, and by whom.
  8. Checklists and flow diagrams: Assuming a situation has occurred, have steps identified to address it; these can be in the form of checklists (useful to keep track of scheduled and completed tasks) and flow diagrams that provide a high-level view of response and recovery.
  9. Notification of incident affecting the site: Information needs to be gathered before officially declaring a disaster; this includes damage assessment data and first-hand reports from staff and first responders; convene meetings as soon as possible with key emergency team members to evaluate the facts before proceeding to a declaration.
  10. Decide on course of action: This section addresses actions to take when it becomes obvious that management needs to declare a disaster. A damage assessment can be initiated either before or after the declaration; it is up to company leadership.
  11. Business recovery phase: This section provides instructions on recovering operations, relocating to an alternate site and related activities.
  12. Appendixes: Detailed appendixes are provided at the end of the template; these include lists and contact details on all emergency teams, primary and alternate vendors, alternate work space locations, and other relevant information. It is very important to keep this information up to date.

The process of developing a business continuity plan for SMBs is generally a straightforward process. The keys to success include defining step-by-step response and recovery procedures, validating these activities through tests, and keeping the plan up to date.

This was first published in October 2010





Harvard Business Publishing – Business Information Guide – Subject Guides at Syracuse

#harvard business publishing

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Business Information Guide

PDF of step-by-step instructions on how to find HBR articles and case studies in Business Source Elite.

Significant reporting and analysis of management topics appear in the periodical Harvard Business Review . Syracuse University Libraries offers affiliated students, staff, and faculty full-text access to HBR articles and case studies online via the database Business Source Elite (which indexes HBR content back to 1922, with full-text article coverage from 1985 thru present).

Instructions for finding Harvard Business Review Articles Case Studies in Business Source Elite

NOTE: The case studies in HBR are short (around four pages each) and should not be confused with the premium Harvard Business Publishing case studies noted on this page under Harvard Case Studies.

Harvard Business Review 500
At the request of Harvard Business Publishing, EBSCO has made 500 of the most popular Harvard Business Review articles read only by disabling the printing, saving, and persistent linking functionality for these articles in Business Source Elite. All Business Source Elite subscribers (including SU Libraries) were offered the option to restore this basic functionality by paying an additional annual premium fee. When Syracuse University Libraries requested a quote from EBSCO to restore full access to the 500 HBR articles, we were presented with a significant five figure amount. SU Libraries is disinclined to pursue the option to restore full access to the HBR 500 by paying this premium. Not only is the price per article exorbitant, but more importantly, agreeing to such a fee in order to restore access to content for which we have already paid. could set a terrible precedent.

What matters and what we wish to emphasize is that, if HBP s new model catches on, having to essentially pay twice (or multiple times) for the same online content will erode the Libraries ability to provide other resources to the SU research community. In short, it s a zero-sum game when it comes to Libraries acquisitions that support research, and this development further adds to the costs of supporting scholarship. In declining to license with HBP under the proffered terms, the SU Libraries goal is to protect our ability to support research at SU to our utmost. While that may sound contradictory, at least in the short-term, in the long-term it most assuredly is not. To learn more about this, please see the blog post titled SU Libraries Stance on Restricted HBR Articles .

Harvard Business Review in Print

Print editions of the Harvard Business Review from 1922 to the present are available in Syracuse University Libraries’ print collection.

Harvard Case Studies

Harvard Business Publishing case studies cover all areas of management, business planning, marketing, accounting, finance, organizational behavior, entrepreneurship and more. The case studies range from 10 to 30 pages in length and often include an author provided guide, called a teaching note, on how to teach the case in the classroom.

These case studies should not be confused with the short case studies published in the Harvard Business Review and available in full text via SU Libraries’ database Business Source Elite.

Access to the Harvard Business Publishing case studies requires individual purchase of cases, including purchase of copyright permission in situations where multiple copies are desired. Harvard does not offer institutional subscriptions that permit an academic library to subscribe to these case studies.

  • Students and faculty visiting the HBP site can freely search and browse topics to identify case studies of interest
  • Access to the full-text case study PDFs requires individual purchase (often priced between $5 and $10 per case)
  • Options for student access to cases selected by faculty are available under a coursepack style access model (in some instances, students enrolled in such courses can receive purchase discounts on cases their faculty identify)
  • S.U. faculty interested in access (for themselves or their students) should explore detailed information about applying for Harvard Business Publishing’s Case Study “Educator Access”




How To Start An Online Business – The Ultimate Guide To Making

#start online business

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How to start a successful online business

PASSION IS NOT ENOUGH.

How do I get started?

Repeat after me:
PASSION IS NOT ENOUGH

Most “experts” teach you that once you find your passion, you’ll magically become wealthy.

I don’t have to tell you that this plan is missing a few vital steps, such as an actual plan. Before you invest your time and energy creating an online product, ask yourself these questions:

  • How do I know which idea will be most profitable?
  • Will people actually pay?
  • How do I bring in traffic and buyers?
  • What can I do to set my business on autopilot, so it runs on systems instead of on my (limited) time?

Step 2

Solve the right problem (it’s probably not what you’d expect)

I asked readers, “What excites you about starting an online business?” Over 1,000 readers responded with ME-FOCUSED responses about what they wanted from an online business.

OK, we all want something for our work, whether it’s extra money, more free time, or the ability to be our own boss and give ourselves vacation days when the weather’s nice.

But what about your customers?

Nobody will ever give you money to solve your problems. but they’ll love you and happily pay you if you help them solve theirs. And by focusing on them, you’ll immediately stand out in a sea of online businesses that are only looking out for themselves.

What would happen if you said, “I’m really good at helping my friends with their relationship problems. I don’t want to just help people 1-on-1…I want to help THOUSANDS of people.” Or “I love helping people get in shape. I want to help as many people get fit as possible.”

It’s a huge psychological shift.

Once you’ve identified something you believe in, you need to know what idea people will pay for, how much to charge, and how to sell it without being sleazy.

It starts with figuring out what kind of online business you want.

Which online business ideas work best?

When you’re starting an online business, it’s easy to get overwhelmed by tactical minutiae. Should you create software, a physical product, a coaching system, or something else? How do you choose the right software, create your website, figure out drop shipping, and accept payments?

But when you drop what doesn’t work I spent years figuring this part out you’re left with 6 main options for an online business. I’ve systematically tried them ALL over almost a decade, and I’ll let you know exactly which ones are good and bad.

Your 6 options for starting an online business are software (including apps), physical products, ads, affiliate marketing, coaching, and online courses. And they aren’t all created equal.

Coaching is the single-best way to start learning business skills.

Many people don’t even think they can launch an online business. Then hold themselves back by saying things like, “I’m not an expert at personal finance, finding a dream job, or [fill in the blank].”

“I don’t know anything people would pay for!”

Are you sure? Unless you’ve actually tested your idea, the answer is “no.”

“But Ramit, my idea’s too weird/dumb! Nobody would ever pay to learn about it.”

I used to think that, too, until I discovered how many other weird people are out there. Here are just 3 profitable courses I’ve seen in the past year:

  • Toilet Trained Cat. Train cats to use the toilet. Revenue from books and courses.
  • Hear and Play. Learn to play piano by ear, without sheet music or years of lessons. Revenue from courses.
  • The Ultimate Disney World Savings Guide. Vacation at Disney World for half price. Revenue from ebooks.

Do these seem like ideas for normal, successful products? Of course not. These people simply found something they’re good at, then tested the market to see if other people were willing to pay for their knowledge.





Usb Plug Wiring Diagram – Wire From Whatsapptricks #usb #pin #diagram,usb #connector


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Usb Plug Wiring Diagram

Disclaimer: We don’t host ANY of these image files. We never store the image file in our host. We just links to many other sites out there. If you need to remove any file, please contact original image uploader.

Usb Plug Wiring Diagram

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Opting Out of Unsolicited Credit Card Offers – The Checkout #consumer #report,


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Opting Out of Unsolicited Credit Card Offers

Stuck at home in the snow on Sunday, I decided to follow my own advice and check out one of my credit reports. I followed the normal process, visiting the Web site where people can get a free report from each of the three major credit bureaus annually. All went smoothly and, fortunately, there were no unpleasant surprises.

However, I have to admit that each time I download one of my credit reports, I’m always stunned by how many companies have contacted a credit bureau seeking information about me–“prescreening” my credit history to see if I qualify for a new credit card account or insurance policy. You don’t have to have a good credit history to get a prescreened offer; companies often ask for people who fit a certain criteria, and that could be for creditworthy people as well as those with lots of debt or late payments.

There is an easy way to eliminate a lot of these prescreened or prequalified offers. I haven’t taken advantage of this route because, as consumer reporter, I like to know what kinds of promotions are out there. But if you don’t want those offers coming in your mail, then you should consider “opting out.” You can do so by calling the toll-free number: 1-888-5-OPTOUT (1-888-567-8688) or visit the opt-out Web site. Both the telephone number and the Web site are operated by the major credit bureaus. You’ll be asked to provide certain personal information, including your home telephone number, Social Security number and date of birth. It’s all confidential. You’ll also be given a choice to opt out for five years or permanently.

Should you opt out? The Federal Trade Commission answers that and some other questions in a fact sheet. noting that you may want to continue receiving solicitations if you’re in the market for a new credit card or insurance. Prescreened offers can help you learn what’s available and sometimes the prescreened offers are more favorable than those made to the general public.

If you decide you want to opt out, it may take 60 days before the solicitations stop flooding your mailbox. But be forewarned: The only ones to be stopped are those that use your credit history. There will probably still be plenty of others–from charities, local merchants, professional and alumni groups, etc. In other words, your mailbox will probably never be empty.

Comments

Please email us to report offensive comments.

Thank you so much for that link. I must get 2-3 credit card offers a day.

Posted by: Ed | February 14, 2006 9:56 AM

Thanks for the link. I checked my credit report recently and I also received my FICO score. The score wasn’t bad but it could of been great. One of the negative comments was that I had too many inquiries into my credit history. Most were not initiated by me. Does that affect the interest rate I might be offered on a mortgage?

Posted by: Mindy | February 14, 2006 10:12 AM

Excellent, thanks for the tip. I tear up a dozen or so offers every month – the Capital One offers are most persistent, and annoying, because they actually offer, as an inducement to take the card, that they’ll stop sending me mailings. Flip that around and it’s a threat – either take the card, or you’ll never see an empty mailbox again.

Posted by: Robert | February 14, 2006 10:24 AM

I question how good this opt-out website actually works. Two years ago my wife and I utilized this website to permanently opt out of all pre-screened offers. Two years later we still get loads of prescreened offers, beyond even the alumni association credit careds, etc. I would say that doing this temporarily reduced our load of preapproved offers, but two years later, its right back where it was. It makes me wonder if the “opt out” is really just just a load of B.S.

Posted by: Josh | February 14, 2006 11:32 AM

I loved this article. This morning I looked at my 3 credit reports (still looking peachy :-),”permanently” removed my name from lists, and even signed up for DMA list removal. Thanks for this information.

Posted by: Queen A | February 14, 2006 12:04 PM

I have three adult children who still have the home address as their address of record. Often, I get the same credit offer, adressed to each of us, from the same company, arriving at the same time. While I wait for OPT OUT to take effect, here is an annoying way to GET SOME REVENGE. Open each offer, take out the postage prepaid envelope inside, stuff all of the contents into that envelope (including the original envelope) seal it, and mail it back to them! They get to pay 39 cents to get their junk back.

Posted by: Gary | February 14, 2006 12:31 PM

Thanks for the link to remove unsolicited credit card offers. My husband and I receive at least 10 offers a week. Apart from taking care of our problems, this link will also reduce paper wastage.

Another link for reducing junk mail is
www.stopjunkmail.org. We have just signed up, so I can’t vouch for how well it works, but its worth a try.

Posted by: Shilpi | February 14, 2006 2:20 PM

I did this several years ago, and it seems to “wear off” if you move. I need to do it again now that I have settled into a house, but as soon as my address would change, the offers would start showing again.

Posted by: Colette | February 14, 2006 3:37 PM

One gripe I have about the credit report site is that by the time you actually read the disclaimer for one of the reporting bureaus, your session has “timed out” and you aren’t able to continue with the request. But aren’t you supposed to read the disclaimer BEFORE checking the box that says you have read the disclaimer?

And they really should have the disclaimer in a bigger pop-up box or readable area. There are three lines of about 40 characters each. For a two-page disclaimer, that is a lot of scrolling.

My suggestion, now that I have had some experience, is to copy the disclaimer to a word processor for printing and immediately leave the site so that you can come back later and actually request the report.

Posted by: Robert | February 15, 2006 9:34 AM

I just got a new phone number and have not yet given it to anyone. I am getting telemarketing calls, but I just received a horrible one that was deceptive. The recording made it sound like this call was about an existing credit card, when I know it wasn’t. I could push 1 to talk to them or 3 to “end these notifications.” I pushed 3 and was immediately cut off. My point is that this phone call is like the “phishing” emails that might convince some people that this phone call is legit. Horrible practice.

Posted by: Melissa | February 15, 2006 3:21 PM

Thanks for the article. A few points about it would make a good start at an educational/informative piece for our credit union members.

Posted by: Natasha | March 2, 2006 1:05 PM

Last week’s issue of ‘Time’ magazine (3/20/06) included an article in which they published the OptOutPrescreen.com URL. The site’s server has been out of action since. Must be millions of ‘Time’ readers who decided en masse to Opt Out.

Such is the power of the pen!

Posted by: Dan | March 22, 2006 8:06 PM

You are right on the money with this one. Well said!

Posted by: Oscar DeMaria | May 26, 2006 1:26 AM

Hi! http://www.insurance-top.com/company/ auto site insurance. compare car insurance, auto insurance, insurance car. from website .

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The comments to this entry are closed.


The Gate to Orihuela-Costa – Beaches in Orihuela Costa #orihuela-costa, #orihuela #costa,


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Das Tor zur Orihuela Costa

El Portal de Orihuela Costa – The Gate to Orihuela Costa

Orihuela Costa has 16 kilometres of coastline which varies from rugged coastline with crystal-clear water to fine white sandy beaches. These beaches are ideal for water-sports, fishing etc. or for just relaxing and enjoying the wonderful Orihuela Costa weather.

Orihuela Costa can boast some of the best beaches in Spain. Year after year Orihuela gets awarded with Q for Quality flags, which are internationally recognised as the highest award which can be given to beaches, meaning they have passed a multitude of tests and are among the best in the world.

The first beaches to be awarded with these Q flags are Cala Capitan, Cala las Estacas and Playa de la Glea. Orihuela Costa already holds four blue flags and eleven Qualitur flags, and is the resort to hold most flags in the whole of the Valencian Community.

WHAT IS Q FOR QUALITY? The Q award is the seal of Spanish Tourism Quality. Tourist products with the Q mark meet necessary quality requirements and clients demands. The Q denotes prestige, reliability, commitment and distinction. Its objective is to achieve recognition by consumers and tour operators. Establishments eligible for the Q for Quality Tourism designation in Spain are: hotels, restaurants, travel agencies, campsites, nature areas, tourist offices, convention bureaux, conference centres, beaches, golf courses, rural accommodation, ski resorts, regional tourist boards and active tourism centres.

Presentation of Orihuela Costa

Pictures of Orihuela Costa

Orihuela Costa – Punta Prima

This very attractive and popular beach is bordered on the north by the beach of N ufragos (Torrevieja) and on the south by Playa Flamenca.

The narrow cove beach is a favourite of the regular holiday-makers and is divided into two levels with a length of 170 meters by 14 wide and it is accessed by ramps and stairs. It is planned to install a lift this year which will facilitate access for the elderly and physically handicapped to the beach area. This will not only provide a much needed service but will hopefully assist in the gaining of a first Blue Flag for the beach next year.

This beach also boasts the full range of facilities that one would expect on an Orihuela Costa beach together with a bus stop and public telephone.

Orihuela Costa – Playa Flamenca

This popular and award winning beach has a length of 150 meters with an average width of 16 meters and there are no obstacles in accessing it.

This is an open beach of fine sand and it is extremely popular with bathers and sun-seekers alike. Bordered on the north by the beach at Punta Prima and south by La Zenia beach Playa Flamenca is one of the busiest beaches on the Orihuela Costa.

This beach has again been awarded the prized Blue Flag, acknowledging the constant attention the beach and its facilities receive from the town hall.

There are parking facilities, special access for handicapped people, telephone, play area, toilets and foot-washing facilities, a life-guard tower and a Red Cross station. There is also a bus stop and taxi rank. There is also a popular promenade and several walkways. Close to the beach are a number of popular restaurants where visitors can taste the traditional dishes of the area.


Opening Swiss Bank Account, page 9 #visit #singapore, #information #about #singapore, #singapore,


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by: Clint Jhonson. Making the wow currency is actually the most important task that has to be done by every online player; the Cheap wow accounts may the perfect solution for him because it is the easiest one when it comes to providing your virtual characte.

by: Michael John. The number of internet users has been increasing rapidly like wildfire. It is the fastest way to spread information to vast number of people. It has become a large market for companies and changed the way of doing business. The internet.

by: Amelie Mag. The priest character is possibly one of the most useful types you can have on your wow account. With its combination of healing and buff spells, the priest is always a welcome ally. Of course, things aren’t always easy for the priest wow.

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by: James Hennessy. What is e-gold?e-gold is an electronic currency, issued by e-gold Ltd – an offshore company – and 100% backed at all times by gold bullion. e-gold is integrated into an account based payment system that empowers you to use gold as money.

by: Jakob Jelling. The most important thing that you need to do in order to manage your checking account is simple: keep track of all of your transactions. This might be annoying if you end up writing a lot of small checks for small things, but in th.


Foundation Room @ House of Blues New Orleans: New Orleans Restaurants Review


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SEARCH: by place + food, budget, style, hotel, attraction, etc

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Coppola ‘Sofi A’ 2012 ($10.00)

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Budweiser ($6.00) Bud Light ($6.00) Coors Light ($6.00) Miller Lite ($6.00) Michelob Ultra ($6.00) Abita Amber ($6.00)

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Gulf Caught Fish citrus cucumber relish, crawfi sh boudin risotto, parsley butter ($34.00) Pan Roasted Chicken golden squash fritters, French horn mushrooms, ham hock jus ($27.00) Seared Diver Scallops caramelized apple-fennel risotto, black truffle vinaigrette ($34.00) New York Strip 14 ounce Angus, roasted fingerling potatoes, broccolini, demi-glace ($45.00) Shrimp Thai Curry* eggplant, cilantro, mint, toasted peanuts, served with jasmine rice ($34.00) Center Cut Filet 8 ounce Angus, brown butter mashed potato, charred Brussels sprouts, demi-glace ($46.00) BBQ Duck Breast sweet potato salad, mustard green slaw, black truffle jus ($34.00)

Disclaimer: Always check with the business for pricing and availability of menu items. SinglePlatform is not responsible for menu or pricing changes, but the information is believed to be accurate when posted. Listing of a menu does not mean that there is any affiliation, endorsement or sponsorship between SinglePlatform and the listed business.


DDR Memory RAM – DDR2 DDR3 MEMORY RAM PC3-8500 (DDR3-1066), PC3-10667 (DDR3-1333),


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DDR, DDR2 and DDR3 MEMORY RAM – Identify RAM Memory Modules
DDR: PC3200 400MHz, PC2700 333MHz and PC2100 266MHz.
DDR2: PC2-3200 400MHz, PC2-4200 533MHz, PC2-5300 667Mhz, PC-6400 800Mhz
DDR3: PC3-8500 (DDR3-1066), PC3-10667 (DDR3-1333), PC3-12800 (DDR3-1600), PC3-14900 (DDR3-1866), PC3-16000 (DDR3-2000)
DDR Memory Buying Information and Memory Guidelines

DDR memory. or Double Data Rate memory. is a new high performance type of memory that runs at twice the speed of normal SDRAM. This DDR SDRAM is ideally suited to the latest high performance processors to increase overall system speed. The latest is the DDR3 memory with high-speed data transfer compatible with latest Desktop Computers, Servers and Notebook Laptops

You will be able to find a wide variety of DDR, DDR2 and DDR3 memory chips. Buying through the internet has its own advantages as it gives you the chance to explore the different models and manufacturers and compare their prices without having to leave the comfort of your home. You can check to see which chip is compatible with your system through the services and tools offered by this site. In the end you can have your product delivered straight to your home with a guarantee that allows you to return the product if you are dissatisfied with it.

Not sure which DDR memory your system takes? Here are some tools to help you find compatible DDR Memory.

DDR Memory Selector

Scan your system to find exact RAM

Have a question on DDR Memory ?

Search your Computer or Laptop Model Name:

DDR3 is the next-generation, high-performance solution for CPU systems. DDR3 memory are twice as fast as today’s highest speed DDR2 memory products. Select your DDR3 Memory from the following.

High-Speed Best Price DDR3 Memory Upgrades

DDR2 Memory RAM
PC2 3200 400Mhz DDR2 Memory DIMM|PC2 4200 533Mhz DDR2 Memory DIMM|PC2 5300 667Mhz DDR2 Memory DIMM
PC2 6400 800Mhz DDR2 Memory DIMM
|PC2 3200 400Mhz Memory DDR2 SODIMM|PC2 4200 533Mhz Memory DDR2 SODIMM
PC2 5300 667Mhz Memory DDR2 SODIMM
| PC2 6400 800Mhz Memory DDR2 SODIMM

DDR2 introduces some new features which allow it to ramp up to much higher speeds (with correspondingly higher bandwidth) and higher memory densities, all the while using less power. DDR2 memory uses a new form factor, a 240 pin DIMM (Dual Inline Memory Module) which is *not* compatible with current DDR memory slots. Upcoming chipsets by Intel and other manufacturers will support DDR2 specifically, and are not backwards compatible.

PC2 3200 400Mhz 240 Pin DDR2 Memory DIMM


How to Pass Pathophysiology in Nursing School #pathophysiology, #how #to #pass, #study


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How to Pass Pathophysiology in Nursing School | What is Pathophysiology?

Nursing students will take a nursing class in college called Pathophysiology to help them understand how to restore the body after it suffers from a number of possible abnormalities that lead to diseases. Many nursing students find pathophysiology difficult and that is takes good study habits to successfully pass the class.

Nurses ensure that patients remain healthy. When patients enter hospitals and clinics, nurses must identify their medical conditions and treat them accordingly. Some diseases can be prevented and those that cannot are managed by nursing professionals so that patients can be restored back to good health.

What is Pathophysiology?

The area of pathophysiology refers to the scientific study of disease or abnormal processes. Any ailment of the body that disturbs its normal physiological processes is the study of pathophysiology. The process involves looking for specific malfunctions that cause or come from disease. Nurses use pathophysiology every time they come in contact with a patient. Nurses must have an exceptional level of skill in this area since what is considered a healthy function or structure in one patient may not necessarily be considered healthy in another patient.

Nursing students take a pathophysiology course in college to prepare them to identify these abnormalities. Courses are available from accredited colleges or universities, and students can take this course completely online or on campus. The course consists of cases studies, visual aids, assessment scales, simulations, tests, and other tools.

The main objectives of pathophysiology courses are as follows:

  • Use critical thinking to understand the pathophysiologic principles for nursing
  • Analyze and explain the effects of diseases processes at the systemic and cellular levels
  • Discuss the various variables that affect the healing of the organ and tissue systems
  • Analyze the environmental risks of the progression and development of certain diseases
  • Explain how compensatory mechanisms respond to physiologic alterations
  • Compare and contrast the effects of culture, ethics, and genetics have on disease progression, treatment, health promotion, and disease prevention.
  • Critique diagnostic testing and determine its relationship to signs and symptoms

How Nurses Use Pathophysiology on the Job

Nurses use pathophysiology to understand the progression of disease in order to identify the disease and implement treatment options for their patients. Nurses use the information that they find to identify the next course of the disease so that they can provide their patient’s with the appropriate care they need. The medical procedures and medications that nurses administer to patients depend greatly on the nature of the disease.

Nurses also use pathophysiology to care for their terminally ill patients. Caring for patients as their lives near the end is just as important as caring for patients who are not terminally ill. Nurses have to be able to identify the signs that their patients display in their final days. Nurses have the responsibility to provide care that helps patients experience the upmost comfort as they reach their final days of life.

It is very important that nurses gain a significant amount of exposure to a diverse number of patients because diseases tend to manifest differently in every person. What is normal for one patient may not be normal for the next patient. Lack of exposure to diverse medical diseases may lead to erroneous or missed diagnosis.

How to Pass Pathophysiology Great Study Guide

As stated at the beginning of this article, Pathophysiology is one of the courses nursing students have trouble passing. This is due to the fact there is so much material to cover in such a short time as a single semester. Buying a good study guide is essential for passing Pathophysiology.

A study guide can help break down what material you need to study and what is likely to be asked on a test. A great study guide recommended by many nursing schools is by Mary Ann Hogan called Prentice Hall Reviews Rationales: Pathophysiology . Here is what it looks like:

Tips on How to Study for Pathophysiology in Nursing School

Pathophysiology is one of the hardest courses that nursing students will take in nursing school. Here are a few suggestions that can help nursing students meet success in this course.

  • Read and reread the material as much as possible. The best way to memorize the information for this course is to go over it repeatedly. Also, read the chapter summaries and introductions to help to get a better understanding of the content.
  • Utilize professors as needed. Use the professor as an expert resource to help clarify any information that is not clear. Ask questions immediately to prevent a halt in studying. Students should pay close attention during the lectures because the professor may provide extra information to help with the test.
  • Make flashcards. Nursing students can write information pertaining to drugs and their side effects, interactions, and uses on flashcards.
  • Pay close attention to wording on the test. Words like never, always, none, all, and should may help students identify the correct answers on the test. Read each question and answer carefully before making a selection.

Nurses have a wealth of information that they must know in order to help their patients. It is important to understand how a disease affects a specific individual before a specific treatment can be administered to help the patients prolong their lives. Exposure to an abundance of people and diseases is what makes the skills learned in the pathophysiology course so valuable.


Family members in Spanish #spanish, #notes, #guide, #reference, #vocabulary, #lists, #examples, #family,


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Family Members

Immediate Family members in Spanish

Children will often call their father papá and their mother mamá . When saying or writing these words in Spanish, remember to put the accent on the final syllable or you will be saying another word. See what we wrote about this here: Dad, Pope or Potato – Papa Papá

The generic name for parents in Spanish is padres . Don’t use Parientes which means relatives .

  • Mis padres viven en España. (My parents live in Spain)
  • Tengo parientes en Francia. (I have relatives in France)

The generic name for brothers and sisters in Spanish is hermanos . You don’t need to say hermanos y hermanas as we do in English because the word hermanos includes them both.

Relatives and Extended Family in Spanish

tatarabuelo: great great grandfather
tatarabuela: great great grandmother
bisabuelo: great grandfather
bisabuela: great grandmother
abuelos: grandparents
abuelo: grandfather
abuela: grandmother
nietos: grandchildren
nieto: grandson
nieta: granddaughter
bisnieto: great grandson
bisnieta: great granddaughter

The generic name for uncles and aunts in Spanish is tios . You don’t need to say tios y tias as we do in English because the word tios includes them both. The same rule applies for nephews and nieces (sobrinos ).

The In-Laws in Spanish

The in-laws are the members of the family of your spouse (the person you are married to) or via a marriage in your family:

The Family Mix

In some countries a person gets married more than once. These are the terms used to describe the new members of the family when someone gets remarried.

Sometimes one of your parents gets married again and they have more children. One of the parents of these children is your biological father/mother. These children are your:

medio hermano: half-brother
medio hermana: half-sister

Family Members in Spanish Relationship Chart

Next Activities

Try our games to practice this vocabulary about family members: Juego 1 – Juego 2

We have another game with an image of a family tree where you need to choose the correct relationship between different members of that family.

Ver nuestra información en español acerca de los Miembros de la familia.

If you found this Spanish Vocabulary about Members of the Family useful, let others know about it:

Spanish Reading Passages

Improve your Spanish with our reading passages. There are different topics for beginner to advanced level students. There is also a special section for Spanish teachers.

Spanish Verb Lists

A list of common verbs in Spanish with their conjugation in different tenses and example sentences. There are also interactive games to practice each verb.


EMA Crossover signal with Stochastic colored – channel trading system for binary


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EMA Crossover signal with Stochastic colored – channel trading system for binary options

The basis of trading strategy for binary options EMA Crossover signal with Stochastic colored laid tactic to rebound from the border of the channel with the confirmation of other indicators .

Characteristics of EMA Crossover signal with Stochastic colored
  • Platform: Metatrader4
  • Asset: Any currency pair, any indices, any stocks and any commodities
  • Trading Time: European and American sessions
  • Timeframe: M15 or higher
  • Expiry: 1 candles (for M15 – 15 min, and so forth)
  • Recommended broker: uTrader. 24option
The list of indicators used
  1. Bands – oscillator, which is based on the indicator Bollinger Bands. Indicates trading channel
  2. Color Stochastic v1.04 – a modification of the standard indicator Stochastic. Implemented as a filter
  3. EMA_Cross – arrows indicator based on the intersection of the exponential moving averages. It serves as a source of trading signals
Installing of indicators and template of EMA Crossover signal with Stochastic colored
  1. Unpack the archive with templates and indicators.
  2. Copy folders MQL4 and templates to the folder Files/Open Data Folder .
  3. Restart the terminal.
  4. Open the desired graph of the currency pair.
  5. Set the template EMA Crossover signal with Stochastic colored .
  6. Switch to the TF M15 or higher, of your choice.
Rules of trade by EMA Crossover signal with Stochastic colored
  1. Price touched or broken through the lower bound of the channel
  2. On the chart appeared up arrow
  3. Color Stochastic Indicator painted green bar
  1. Price touched or broken through the upper bound of the channel
  2. On the chart appeared down arrow
  3. Color Stochastic Indicator painted red bar

In fact, the trading strategy for the binary options EMA Crossover signal with Stochastic colored it is signals of one arrows indicator (EMA_Cross), filtered by two other indicators. In such a format strategy is applicable to trade binary options, but it can give many false signals in trading on Forex. It is possible and even the recommended optimize a trading strategy through the introduction of special indicators for binary options .

For the ordinary course of trade on Forex, in my opinion, must enter additional filter, for example, the indicator ATR, which will significantly reduce the number of erroneous inputs.

Very important! For a successful trade with EMA Crossover signal with Stochastic colored requires broker that does not create delays in the opening positions and has a zero spread. That is a broker 24option . In addition, 24option regulated by CySEC. MiFID. CRFIN and is an official partner of football clubs Juventus and Olympique Lyonnais:

In the archive EMA_Crossover_signal_with_Stochastic_colored.rar:

  • Bands.mq4
  • Color Stochastic v1.04.ex4
  • Color EMA_Cross__SES__BDv8_12_31.ex4
  • EMA_Cross__SES__BDv8_12_31.mq4
  • EMA Crossover signal with Stochastic colored.tpl

Free Download EMA Crossover signal with Stochastic colored

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Put a price tag on your business: A guide to business valuation

#business valuation

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Put a price tag on your business: A guide to business valuation

If you want to sell all or part of your business, you need to have an idea of its value. This information will help you understand the different approaches to business valuation, but you may want to seek professional guidance and advice. Prospective investors will also assess its value when they consider your proposal.

The process of determining the value is called valuation. You and the buyer or investor need to determine what you feel is an appropriate business valuation because it will be the basis for negotiating:

  • How much of your business the investor or buyer will purchase
  • How much the buyer or investor will pay (the price of the business or of its shares)
  • The return the buyer or investor can expect to earn

Ways of valuing a business

Valuation is not an exact science, and there are different ways of valuing a business. Each of these methods is based on different assumptions and financial information, which typically results in a different value for each method. For instance, you could base a valuation on the assets of a business (how much it owns) or by taking into account projected revenues or cash flows. Investors generally prefer methods based on cash flows. It s important to know about a variety of methods because they can be useful as benchmarks to check the validity of the value and the price you determine.

Earnings and cash flow-based methods:

  • Discounted cash flow
  • Going-concern value

Discounted cash flow

From the investor s perspective, this is usually the most accurate and effective way to estimate a business value because it is based on future cash flows. These cash flow figures reflect the amount of money that is estimated to come into the business and will ultimately determine the investor s return on investment. The discounted cash flow method is used to answer three critical questions:

  • Value: How much is your business worth today, based on what it will earn in the future?
  • Rate of return: What is the buyer s or investor s expected rate of return, given the amount invested and your business financial projections?
  • Equity share: How much equity will the buyer or investor receive for their investment?

The discounted-cash-flow method is often preferred because it can be more accurate than other methods. Its accuracy and complexity are due to the fact that it:

  • Uses cash flows: It takes into account the projected ups and downs of revenue over a period of time.
  • Discounts the cash flows: It adjusts the cash flows by a rate that is acceptable to the investor to account for risk and the time the investor must wait for a return.
How it works

In this method, cash flow predictions are discounted, or reduced, to adjust for the risk the investor faces and to make up for the fact that the investor could invest their money in something else.

Investors are looking to be compensated for their risk, and their benchmark rate or “discount rate” will adjust for the value of money over time. They will choose a discount rate and compare your proposal against that rate.

Advantages and disadvantages

The discounted cash flow method allows values to be estimated even when your cash flow is fluctuating. A start-up or new venture may expect to lose money in the first years and then make money in later years. These changes in cash flow are taken into account by the discounted cash flow method.

If you use this method, keep in mind that:

  • Its accuracy depends on the accuracy of your cash flow projections. That is why your financial data and assumptions are critical.
  • It is a complex process, so you may require professional guidance.
  • It can give you detailed estimates, but it is important to remember that business valuation is not an exact science your numbers will be based on assumptions and predictions of future performance.
Value: How much is your business worth today?

Let s say financiers are considering an investment in your business, but plan to take their money out in five years. To them, your business is worth today what it can earn during those five years, plus their share of the value of the business at the end of the five years. However, future cash flow numbers and the future value of the business are unknown. The discounted cash flow method applies adjustments or “discounts” to account for those unknowns.

Using this method, the value is the total of the cash flows, adjusted or discounted, plus the value remaining (or residual value), also discounted.

Rate of return: What rate of return will the investor expect?

Investors want to calculate their rate of return. To do that they must compare the amount of the investment to the amount they will earn at the end of the investment period. But how can they know what they will earn in the future? Again, they must use the discounted cash flow projections to estimate the future value of their investment. To do so, they will need to:

  • Estimate the cash flow in the final year
  • Estimate the value of the business based on the cash flow
  • Calculate the final value of their share in the business
  • Determine their rate of return
Value, return and exit strategy

The method used to calculate values and rates of return depends on the specific exit strategy used. Commonly-used methods include going-concern value, book value, and liquidation value.

Going-concern value

The going-concern value method calculates your business value based on its capacity to produce a stream of cash flow in the future. The greater the cash flow your business generates in the future, the higher your business value today.

How it works

The going concern value, like discounted cash flow, compares the current investment to the future receipts (cash inflows). This method uses the revenues of previous years to project future revenues, and it assumes those revenues will not change.

Book Value

This value is the net worth, or shareholders equity, of your business as shown in its financial statements. At its most simplified, subtracting your liabilities from your assets will give you your business net worth or book value. Book value can be described as the historical value of an asset that, at a given time (the day it was purchased), represented the economic or market value of the asset, less its accumulated depreciation.

How it works

To determine the book value, subtract your liabilities from the value of your assets. The difference gives you your net worth or shareholders equity. In practice, book value is seldom used in the process of securing venture capital, although it can be a realistic approach to measuring a small business net worth.

Liquidation value

A liquidation value is assigned to a business being sold in order to satisfy its creditors. Tangible assets, such as land, usually have a liquidation value close to their market value. Inventories and accounts receivable, on the other hand, are usually valued at less than what is shown in the books.

How it works

To determine the liquidation value, all assets are assigned distressed values, and all debts are totalled at book value. Most assets sold under duress are discounted from their fair market value. The difference between the distressed value of the assets and the actual or book value of the liabilities is referred to as the liquidation value.

The liquidation value doesn t reflect the real worth of an asset or a business; in most cases, it is substantially less than the market and book values. This method is typically used only if a business is in serious financial trouble.

Should I seek a financial advisor for help with valuation?

Business valuation is a complex task, and a financial advisor with experience in business valuation can be an invaluable asset.

A professional valuator can:

  • Provide the experience needed to accurately determine the value of your business
  • Offer an objective view of your business worth
  • Give investors more confidence in the credibility of your valuation

Conclusion

There is a saying in the venture capital industry: “The value of a business is only what someone is willing to pay for it.” In other words, the market, and your ability to attract investors and negotiate with them will determine the value or selling price.

Remember that many factors affect the value of your business. Seeking professional assistance can help you calculate an accurate value for your business.

Learn how to determine the value of your business and find ways to increase it.

What is a fair price to pay for a business? Read this article to learn how to estimate the value of a business.

Enlist the help of an expert who can quantify the worth of all, or part, of your business or its securities.

Was this information useful?





Guide to Majors in Business Management #business #card #holder

#business management degree

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Guide to Majors in Business Management

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Business management is a versatile field that offers opportunities for individuals with a variety of interests and skills. Talented business managers are in demand and may remain so as the global business environment becomes more complex.

If you get along well with people, have an interest in business and technology, and have excellent communication skills, you could be a good fit for a career in this field. The ability to think critically and a willingness to work independently are important factors in determining success in business management. In addition, an enjoyment of solving complex problems and an understanding of complicated financial data are helpful.

This guide to majors in business management will give you in-depth information about careers and degrees in business management, including what you ll learn, the expectations and requirements of a business management career, and what it may take to succeed.

What is Business Management?

Business management is the process of developing the strategies, plans, procedures and policies that guide a business on both a day-to-day and long-term basis. It involves coordinating human, financial and material resources to achieve organizational objectives.

Whether you re interested in becoming an entrepreneur and launching your own business or joining a Fortune 500 firm and starting your climb up the corporate ladder, it s imperative to start your path to your business management career with a strong educational foundation.

What Will I Learn by Obtaining a Business Management Degree?

Majoring in business management offers a broad foundation in business basics such as accounting, budgeting, marketing, planning, hiring and leadership. When pursuing an advanced degree, you may choose to specialize in any of these areas, as well as in human resources, healthcare management or computer information systems.

Working in teams is a mainstay of business management education and a valuable way to prepare for the real world. Your coursework may include accounting, finance, business law, economics, statistics, principles of management, organizational development and human relations. Through your business management classes, you ll be honing your problem solving, critical thinking, forecasting, project management and entrepreneurial abilities.

Requirements to Earn a Business Management Degree

Because business management is such a versatile career, you can choose the educational path that best prepares you to achieve your career goals.

Associate s Degree

Earning a two-year associate s degree in business administration or business management can offer opportunities to break into the business world. Advancement often requires a bachelor s degree, which can be pursued while working in the field.

Bachelor s Degree

A four-year bachelor s degree, such as a BA in Business Administration Management. may open the door to additional career options, since employers hiring for business management positions usually require a bachelor s degree at minimum. Additional education, professional certification or an advanced degree may be required to advance your career. Those interested in human resources may want to consider a Human Resources Administration minor. which could make you a stronger candidate for HR jobs.

Master s Degree

For top-level positions, employers may prefer candidates with advanced degrees. With an MBA in Management. an MBA in Marketing. or an MBA in Healthcare Management. you could be positioned to compete for senior-level jobs. An advanced degree typically takes an additional one to two years beyond the bachelor s level.

Some employers may offer tuition assistance to help you obtain a master s degree while establishing yourself in your career.

Career Opportunities in Business Management

Business management career opportunities vary in level of responsibility, salary expectations, and education and preparation required.

  • An associate s degree may qualify you for labor relations specialist, office manager or administrative specialist jobs.
  • Positions such as business analyst. account executive, HR manager and management consultant typically require a four-year degree, such as a BA in Business Administration Management.
  • You could qualify for executive-level positions, such as chief executive officer. senior management consultant, director of operations or brand manager. with an advanced degree, such as an MBA in Management or an MBA in Marketing.

Additional potential careers include management analyst, retail store manager, hospitality manager, human resources administrator and small business manager. Business management can be applied in areas such as organizational behavior, human resources, operations and strategic planning. You can work in a variety of industries, including manufacturing, medical and health, charities, hotels, government, chemical, computer and information systems, fashion, grocery, advertising and promotions, utilities and construction.

Opportunities exist in the public, private and nonprofit sectors.

With a field as varied and open-ended as business management, consider your strengths when selecting a specialization. If you enjoy dealing with people one-on-one, human resources may be a good fit. An entrepreneurial focus is suitable if you are planning on starting your own business. It is critical to research specific management roles to select a path that suits your interests.

Expectations for a Business Management Career

Business management majors can expect to see solid employment growth across a variety of industries in the coming years, according to federal projections. Potential salary ranges for business management professionals will vary according to several factors, including the specific industry, regional market conditions, and a candidate s educational qualifications and employment history.

As of May 2015, the U.S. Bureau of Labor Statistics (BLS) reported average annual wages for the following management roles nationwide:

*Please note that the hyperlinks remain updated, so the most recent salary information will be found by clicking on the job title. This information is updated every one to two years by the BLS.

Your professional responsibilities may include supervising staff, analyzing data, planning operations and making crucial business decisions. Business managers may take care of day-to-day tasks such as hiring, training, purchasing and quality control in smaller firms. For larger organizations, formulating policy, planning for resource needs, setting overall direction and implementing strategies are some of the tasks often required of business managers.

Because salaries vary depending on the specific position, as well as location, education and experience, prospective students are encouraged to conduct independent research to determine actual earning potential.

Training, Other Qualifications and Advancement in Business Management

Business management professionals need a wide variety of up-to-date business expertise to succeed and advance in their careers. Additional requirements will vary according to each individual position, but employers generally seek strong decision-making and organizational ability. Candidates for a career in business management must develop outstanding interpersonal and communication expertise, as well as creative problem-solving ability.

After obtaining work experience, an advanced degree such as an MBA or both, business professionals may advance to positions with more responsibility and higher pay. Some graduates may pursue further study in finance, human resources, marketing, international business or computing to develop their expertise in a business specialization. For instance, labor relations specialists may be promoted to human resources directors; department managers may become operations managers; management consultants may be promoted to chief financial officers. As a business management major, you could find yourself positioned for opportunities throughout your career, up to and including the executive suite.

Business Management Majors Offer Versatility and Opportunity

If you re interested in making a difference in the exciting world of business, earning a business management or business administration degree is a great place to begin. A business management major provides the broad knowledge employers need, while giving you the option to specialize in many interesting and rewarding areas.

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Harvard Business Publishing – Business Information Guide – Subject Guides at Syracuse

#harvard business publishing

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Business Information Guide

PDF of step-by-step instructions on how to find HBR articles and case studies in Business Source Elite.

Significant reporting and analysis of management topics appear in the periodical Harvard Business Review . Syracuse University Libraries offers affiliated students, staff, and faculty full-text access to HBR articles and case studies online via the database Business Source Elite (which indexes HBR content back to 1922, with full-text article coverage from 1985 thru present).

Instructions for finding Harvard Business Review Articles Case Studies in Business Source Elite

NOTE: The case studies in HBR are short (around four pages each) and should not be confused with the premium Harvard Business Publishing case studies noted on this page under Harvard Case Studies.

Harvard Business Review 500
At the request of Harvard Business Publishing, EBSCO has made 500 of the most popular Harvard Business Review articles read only by disabling the printing, saving, and persistent linking functionality for these articles in Business Source Elite. All Business Source Elite subscribers (including SU Libraries) were offered the option to restore this basic functionality by paying an additional annual premium fee. When Syracuse University Libraries requested a quote from EBSCO to restore full access to the 500 HBR articles, we were presented with a significant five figure amount. SU Libraries is disinclined to pursue the option to restore full access to the HBR 500 by paying this premium. Not only is the price per article exorbitant, but more importantly, agreeing to such a fee in order to restore access to content for which we have already paid. could set a terrible precedent.

What matters and what we wish to emphasize is that, if HBP s new model catches on, having to essentially pay twice (or multiple times) for the same online content will erode the Libraries ability to provide other resources to the SU research community. In short, it s a zero-sum game when it comes to Libraries acquisitions that support research, and this development further adds to the costs of supporting scholarship. In declining to license with HBP under the proffered terms, the SU Libraries goal is to protect our ability to support research at SU to our utmost. While that may sound contradictory, at least in the short-term, in the long-term it most assuredly is not. To learn more about this, please see the blog post titled SU Libraries Stance on Restricted HBR Articles .

Harvard Business Review in Print

Print editions of the Harvard Business Review from 1922 to the present are available in Syracuse University Libraries’ print collection.

Harvard Case Studies

Harvard Business Publishing case studies cover all areas of management, business planning, marketing, accounting, finance, organizational behavior, entrepreneurship and more. The case studies range from 10 to 30 pages in length and often include an author provided guide, called a teaching note, on how to teach the case in the classroom.

These case studies should not be confused with the short case studies published in the Harvard Business Review and available in full text via SU Libraries’ database Business Source Elite.

Access to the Harvard Business Publishing case studies requires individual purchase of cases, including purchase of copyright permission in situations where multiple copies are desired. Harvard does not offer institutional subscriptions that permit an academic library to subscribe to these case studies.

  • Students and faculty visiting the HBP site can freely search and browse topics to identify case studies of interest
  • Access to the full-text case study PDFs requires individual purchase (often priced between $5 and $10 per case)
  • Options for student access to cases selected by faculty are available under a coursepack style access model (in some instances, students enrolled in such courses can receive purchase discounts on cases their faculty identify)
  • S.U. faculty interested in access (for themselves or their students) should explore detailed information about applying for Harvard Business Publishing’s Case Study “Educator Access”




The Beginner – s Guide to Different Types of Business Degrees #lucrative

#business degree

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The Beginner s Guide to Different Types of Business Degrees

Take a look around your home. Nearly every item you own has an entire industry based around it, and each of those industries has multiple business functions within them. Because of this complexity, there is a huge variety in the different types of business degrees available to you.

With so many specializations within business degree programs, it can be a bit daunting when trying to decide which best fits your interests or career aspirations. To help you decipher the diversity, we broke down a list of some of the most common types of business degrees, the courses to expect and some examples of the jobs you can do with them.

Keep reading to get acclimated with 15 facets of the business field and start to get a feel for which area appeals to you.

15 Types of business degrees to consider

Accounting

Overview. Love numbers? Have an eye for detail? When studying accounting you will develop your understanding of generally accepted accounting principles, tax law, the process of managing financial documents and how it impacts business operations. The accounting field has several potential career paths and this degree will equip you to pursue different types of accounting, audit or tax-related positions within a variety of organizations.

COMMON COURSE SUBJECTS:

Advertising

Overview. Think you have the creativity to develop an ad that cuts through the clutter and sticks in the mind of a potential customer? With an advertising degree you ll learn how to make a message stand out from the crowd by learning about what makes an audience tick and how to best reach them. This is a great choice if you re looking for a way to leverage your creative ability in the world business.

COMMON COURSE SUBJECTS:

POTENTIAL JOB TITLES:

Business management

Overview: There s a lot to learn about managing a business or department. A business management degree will give you a solid comprehensive foundation in important business areas like accounting, sales, operations and organizational leadership. You ll also be better equipped to manage and lead a team of people, which is beneficial if you have hopes of advancing your career into leadership positions.

COMMON COURSE SUBJECTS:

POTENTIAL JOB TITLES:

Economics

Overview. If you choose to study economics, you can expect to learn about economic principles and theory, including the use of math and data analysis. An economics degree can help prepare you for analyzing and forecasting economic trends in order to improve business operations and performance.

COMMON COURSE SUBJECTS:

POTENTIAL JOB TITLES:

Entrepreneurship

Overview. If you want to start, build and manage a business of your own, an entrepreneurship degree can help you to develop the necessary skills to succeed. However, don t be fooled into thinking this degree is only for aspiring business owners. Most of the principles and courses can be applied in any business setting.

COMMON COURSE SUBJECTS:

POTENTIAL JOB TITLES:

Finance

Overview. If you choose to study finance. you ll learn a broad range of concepts and skills including financial analysis, economics, statistics and portfolio management. Majoring in finance will help you pursue opportunities in finance sectors as well as accounting or investment areas.

COMMON COURSE SUBJECTS:

POTENTIAL JOB TITLES:

Healthcare management

Overview. It takes a lot of business acumen to keep a healthcare facility running smoothly and profitably. This major prepares you for providing business management leadership strategies designed to address the unique challenges and intricacies within the growing healthcare industry. You will learn about many of the proven management techniques with a focus on the nuances found within the healthcare industry.

COMMON COURSE SUBJECTS:

POTENTIAL JOB TITLES:

Health services manager

Patient care associate

Hospitality management

Overview. If you have a passion for working with people and a knack for making sure everyone is taken care of, then a hospitality management degree may be right for you. Hotels, event venues and other similar establishments have unique management needs that are different than other businesses. Utilizing a variety of management and communications skills is important for making sure operations run smoothly and guests leave happy.

COMMON COURSE SUBJECTS:

Human resources

Overview. This field is all about people. Whether it s helping employees with navigating benefits enrollment or helping secure the top talent needed for business growth, this field relies on impeccable interpersonal skills. With a human resources (HR) degree. you will learn the skills necessary for managing business and labor practices in addition to learning about organizational development, resources planning and training.

COMMON COURSE SUBJECTS:

POTENTIAL JOB TITLES:

International business

Overview. International business focuses on you guessed it global business organizations. Multinational corporations need employees who are well-suited to deal with the unique challenges presented by doing business across multiple countries.

COMMON COURSE SUBJECTS:

POTENTIAL JOB TITLES:

Supply chain analyst

Business development specialist

Marketing

Overview. Want to help grow and maintain a business by attracting and retaining customers? This is a great option. By majoring in marketing. you ll be focused on learning the fundamentals of areas such as market research, communication and marketing strategies. The marketing department of a business helps accomplish tasks such as product promotion or consumer research in order to achieve business goals like increasing sales, building brand awareness and improving customer retention.

COMMON COURSE SUBJECTS:

Statistics

Overview. We live in an era where more data is being collected by businesses than ever before. But what good is that data if there s no one around to collect, organize and make sense of it all? Statisticians are trained in the collection, organization, analysis and interpretation of numbered data sets. They use these skills to help improve the decision-making ability of businesses by uncovering and planning for trends or patterns on which to act.

COMMON COURSE SUBJECTS:

POTENTIAL JOB TITLES:

Supply chain management

Overview: Ever wonder how the products you order online ends up on your doorstep within days? To steal a line from UPS: That s logistics! A supply chain management degree will prepare you to handle the intricacies of managing a global supply chain (and all of the moving parts that come with it) to ensure a business operations are running efficiently.

COMMON COURSE SUBJECTS:

POTENTIAL JOB TITLES:

Supply chain risk

Choose your business career path

Now that you have a better understanding of the different types of business degrees and the career opportunities associated with each, it s time for you to do some self-evaluation. Do any of the specializations above match your skills and interests? Going forward, your best bet is to find a few areas that appeal to you and dig deeper to learn more about the ins and outs of each focus-area.

For more information about specific business-related career fields, download theBusiness Career Outlook guide.

AUTHOR S NOTE: This article was originally published in October 2013. It has since been updated to include information relevant to 2016.

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.

Will is a Content Marketing Specialist at Collegis Education. He researches and writes student-focused articles on a variety of topics for Rasmussen College. He is passionate about learning and enjoys writing engaging content to help current and future students on their path to a rewarding education.

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Business Checking Fees: A Beginner’s Guide #find #business

#free business checking

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Credit Cards

Banking

Investing

Mortgages

Loans

Insurance

Credit Cards

Banking

Investing

Mortgages

Loans

Insurance

Many of the offers appearing on this site are from advertisers who compensate us to be listed on our site.

The results of our “banking comparison tool” are based on objective, quantitative and qualitative analysis of the banking products’ attributes and are not affected by compensation.

Compensation may impact which products we review and write about and how and where they appear on this site including, for example, the order in which they appear.

Any evaluation, advice, opinion or guidance provided by us or editorialized by us within this website such as bank reviews, product reviews or editorial content is in no way affected by or based upon compensation from our advertisers.

Additionally, our star ratings are a mix of user feedback and NerdWallet’s independent evaluation which are independent of compensation.

For a list of all of our advertising partners, click here

Business Checking Fees: A Beginner’s Guide

You can trust that we maintain strict editorial integrity in our writing and assessments; however, we receive compensation when you click on links to products from our partners and get approved. Here’s how we make money .

Business checking accounts differ markedly from personal checking, and the fees can be far more complicated. But if you understand the basics of business checking fees, your company might be able to minimize or avoid them altogether.

Here’s a look at three of the most common fees.

Monthly service fee

What it is: A charge that occurs each month the account is open.

How much it is: The nation s largest banks typically charge $8 to $12 a month.

You can also select a business bank account at a bank where you meet the average balance requirement to waive the monthly fee. A typical bank requires an average daily balance of about $1,500 to avoid this charge. Some banks will also waive the fee if you meet other conditions, such as making a minimum number of debit or credit card card purchases each month.

Excess transaction fee

What it is: A fee for each transaction you make over a monthly maximum.

How much it is: At the 10 largest banks, fees range up to 75 cents per transaction.

How to avoid it: Come up with a ballpark number of transactions your small business will make each month. These include checks you write, debit card transactions and ATM deposits. Then look for a bank account that allows that number of transactions without charging extra fees.

Most of the top 10 U.S. banks by deposits have a 200-transaction limit on their basic business checking accounts before fees are charged. At banks that offer business checking accounts with no monthly fee, the transaction limit tends to be lower, often around 100.

Cash handling fee

What it is: You can deposit only a certain amount of cash at many banks. After that, you’ll be charged a fee to process all those bills and coins.

How much it is: Usually about 20 cents to 30 cents for each $100 you deposit above the cash handling limit.

How can I avoid it? Estimate how much cash you’ll deposit each month. Then choose a checking account with a higher cash handling limit.

You ll have an easier time avoiding fees if your small business doesn t have a ton of cash transactions. But if you do handle a lot of cash — you own a restaurant or a convenience store, for example — you could lower your costs by shopping around.

Say you own a deli and expect to deposit about $10,500 in cash each month:

  • Option 1: Bank A allows up to $7,500 in cash deposits a month and charges 30 cents for every additional $100 you deposit during a statement period. You re $3,000 over the cash deposit limit. Since you’re charged 30 cents for each $100, you’d multiply 30 cents by 30. Your cash handling fee would be $9 for the statement period.
  • Option 2: Bank B allows $5,000 in cash deposits and charges 25 cents for every additional $100 you deposit during its statement cycle. You have $5,500 in excess cash deposits. Since you’re charged 25 cents for each $100, you’d multiply 25 cents by 55. That’s a cash handling fee of $13.75 for the statement cycle.

Reducing your business checking fees can be an easy way to help your company cut costs. To learn more, check out NerdWallet’s small business checking primer .

This article was updated June 28, 2016.

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Best Psychics & Mediums By Psychic Medium Researcher Bob Olson #psychic, #medium,


#

Welcome to the home of psychic medium researcher Bob Olson’s.

Genuine Legitimate Psychics Mediums List

On this site, author of Answers About The Afterlife and The Magic Mala. host of Afterlife TV, and former skeptic private investigator Bob Olson reveals to you a list of the most gifted psychics and mediums he has tested as legitimate! He calls it his “Genuine Legitimate Psychic Mediums List .” These are the psychics and mediums he has personally vetted using his 15-point test. Since 1999, Bob has tested hundreds of psychics and mediums from around the globe. Some readings were lacking, some good, and some were absolutely extraordinary. The people listed on this site fall into the extraordinary category.

There really are people who can communicate with your loved ones in spirit. They are known as “mediums” or “psychic mediums”. There also really are people who can intuitively read your energy, such as your aura or Universal energy. They are known as “psychics” or “intuitives.” Psychics help people to find clarity and direction in life, while mediums typically focus their readings on communicating with spirits or spirit guides. It’s not uncommon, however, that mediums sprinkle some psychic messages and psychics sprinkle some mediumship into their readings.

Bob Olson is a former private investigator who has researched psychics psychic mediums for over 15 years. He is also the author of Answers about the Afterlife: A Private Investigator’s 15-Year Research Unlocks the Mysteries of Life after Death and The Magic Mala: A Story That Changes Lives. Once a cynical skeptic, Bob met his first genuine and legitimate psychic medium in January of 1999. The medium conveyed messages from Bob’s deceased father and grandmother that were undeniably accurate, including details such as names, dates and information about his life that this stranger (the psychic medium) could never have known. This spirit-to-medium reading opened Bob’s skeptical mind to new possibilities, and he has consequently spent the past 14 years studying and investigating psychics, mediums and life after death. Bob Olson is the only psychic, medium afterlife expert who is not a psychic or medium himself. If you’re a talk show host or TV/documentary producer, visit the Info For Media page.

Bob Olson’s Pledge to You

“My pledge to you is that I have personally tested each psychic and medium on my “Genuine Legitimate Psychic Mediums List .” I have developed a 15-point test that allows me to determine if a psychic or medium is legitimately gifted while they give me a private reading. And while I cannot promise that you’ll have the same level of experience in your reading as I did in mine — since there are many subjective factors that determine a successful reading (like your personal reading preferences expectations) — I can promise that each psychic and medium listed has proven to me that they are extraordinarily gifted and has the ability to give you a reading so powerful that it can change your life.”

Bob Olson, BestPsychicMediums.com, BestPsychicDirectory.com AfterlifeTV.com

The Intent Behind Bob s Work

“My mission on this site, Best Psychic Mediums, is to help you locate legitimately gifted psychics and mediums. I want you to experience the blessing of communicating with your deceased loved ones, which is the role of mediums. And when your own intuitive connection seems clouded, I want to safely lead you to insightful readings that give you the direction you need, which is the role of psychics.

“I’m motivated by the idea of helping people feel the inner peace that comes with “knowing” we survive death. I want to comfort the grieving by helping them connect with their loved ones in spirit, and to help them know this connection is always there. I want everyone to know–not just believe–that death is not to be feared, but rather, the spiritual realm is our true home, which is free of all human suffering and filled only with the love joy of the divine.”

Bob Olson, Psychic Medium Researcher
Afterlife Investigator since 1999

Important Scam Notice

People need to be careful of greedy scam artists who are pretending to be psychics or mediums. These frauds are good at deceiving people, especially those grieving and desperate to make contact with their deceased loved ones. Read More


PassGuide – Leading source of IT Certification Exam Learning #passguide,it #certification,it #exam,training


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Set the duration of Practice and Virtual tests, assign a passing score percentage, and select the questions – and even the order of the questions AND answers!

Review Your Questions and Answers

Review any or all of your questions and answers before and after submitting your exam.

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Select only questions containing certain keywords? Drill down to the core of the actual exams and focus with laser-like precision on the areas you need help in the most.

Understand the Questions and Answers

Understand your results quickly with basic color coded review. Incorrect answers display in red, with correct answers to all questions in green.

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How To Start An Online Business – The Ultimate Guide To Making

#start online business

#

How to start a successful online business

PASSION IS NOT ENOUGH.

How do I get started?

Repeat after me:
PASSION IS NOT ENOUGH

Most “experts” teach you that once you find your passion, you’ll magically become wealthy.

I don’t have to tell you that this plan is missing a few vital steps, such as an actual plan. Before you invest your time and energy creating an online product, ask yourself these questions:

  • How do I know which idea will be most profitable?
  • Will people actually pay?
  • How do I bring in traffic and buyers?
  • What can I do to set my business on autopilot, so it runs on systems instead of on my (limited) time?

Step 2

Solve the right problem (it’s probably not what you’d expect)

I asked readers, “What excites you about starting an online business?” Over 1,000 readers responded with ME-FOCUSED responses about what they wanted from an online business.

OK, we all want something for our work, whether it’s extra money, more free time, or the ability to be our own boss and give ourselves vacation days when the weather’s nice.

But what about your customers?

Nobody will ever give you money to solve your problems. but they’ll love you and happily pay you if you help them solve theirs. And by focusing on them, you’ll immediately stand out in a sea of online businesses that are only looking out for themselves.

What would happen if you said, “I’m really good at helping my friends with their relationship problems. I don’t want to just help people 1-on-1…I want to help THOUSANDS of people.” Or “I love helping people get in shape. I want to help as many people get fit as possible.”

It’s a huge psychological shift.

Once you’ve identified something you believe in, you need to know what idea people will pay for, how much to charge, and how to sell it without being sleazy.

It starts with figuring out what kind of online business you want.

Which online business ideas work best?

When you’re starting an online business, it’s easy to get overwhelmed by tactical minutiae. Should you create software, a physical product, a coaching system, or something else? How do you choose the right software, create your website, figure out drop shipping, and accept payments?

But when you drop what doesn’t work I spent years figuring this part out you’re left with 6 main options for an online business. I’ve systematically tried them ALL over almost a decade, and I’ll let you know exactly which ones are good and bad.

Your 6 options for starting an online business are software (including apps), physical products, ads, affiliate marketing, coaching, and online courses. And they aren’t all created equal.

Coaching is the single-best way to start learning business skills.

Many people don’t even think they can launch an online business. Then hold themselves back by saying things like, “I’m not an expert at personal finance, finding a dream job, or [fill in the blank].”

“I don’t know anything people would pay for!”

Are you sure? Unless you’ve actually tested your idea, the answer is “no.”

“But Ramit, my idea’s too weird/dumb! Nobody would ever pay to learn about it.”

I used to think that, too, until I discovered how many other weird people are out there. Here are just 3 profitable courses I’ve seen in the past year:

  • Toilet Trained Cat. Train cats to use the toilet. Revenue from books and courses.
  • Hear and Play. Learn to play piano by ear, without sheet music or years of lessons. Revenue from courses.
  • The Ultimate Disney World Savings Guide. Vacation at Disney World for half price. Revenue from ebooks.

Do these seem like ideas for normal, successful products? Of course not. These people simply found something they’re good at, then tested the market to see if other people were willing to pay for their knowledge.





Communications Guide: How to Improve Your Communication Skills #business #licence

#business communication skills

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A Crash Course in Communication Need a quick refresher on effective interpersonal interaction? Two communication experts offer 12 steps to smoother conversations. Lost in Translation Thanks to e-mail, BlackBerrys, and text messaging, the face-to-face encounter is becoming a dying art. Here’s why you should revive it. The Power of Listening How does an old-line manufacturer in a stagnant industry manage to grow 25% a year for 10 years? By taking its employees seriously. Do as I Say: Quick Tips for Masterful Communication Tired of doing all the talking and not having your message get through to your staff? Try these suggestions to improve your leadership communication skills. Just Listen to Yourself Tape yourself to better understand your communications style. Powerful Questions Can Have a Powerful Effect Questions can be one of the most effective communication tools available to us. Do you use questions enough in your day-to-day interactions? When Do You Lie? Strategies For More Authentic, Respectful Communication Lies come in all shapes, sizes and colors. (Ever heard of flat-out, teensy or white lies?) This article focuses on when it’s appropriate, if at all, to lie. 10 Tips for Communicating Change Transition is inevitable, but exactly what you say and how you say it can make a major impact on how change is handled in your company. How to Motivate Employees Kevin Plank, founder of Under Armour, says it is vital to maintain regular face-to-face communication with employees even as a company expands. The 4-1-1 On Constructive Criticism Being critical is easy, and offering criticism seems easier still. Yet constructive criticism – – the more refined and effective brand of critical feedback – – is like an art. Lost in the Translation Tips on communicating with employees who don’t speak English.
How to Say You’re Sorry Apologizing is part of doing business. But do it wrong, and you’ll really be sorry. Tips on Becoming a Good Conversationalist In this excerpt from How to Work a Room: The Ultimate Guide to Savvy Socializing in Person and Online learn tips for becoming a talk target — someone with whom it is easy to make conversation.
10 Tips for Successful Networking Keith Ferrazzi needs two PalmPilots to keep track of all his contacts, people like Bill Clinton and Michael Milken. But there’s far more to cracking the inner circle of the power elite than just taking names.

Powerful Presentations Small-business columnist Rhonda Abrams shares nine strategies for giving powerful presentations. Reinventing the PowerPoint New tech tools to liven your tired old PowerPoint presentations–and give your online marketing efforts a boost. Perfecting Your Pitch Check out these tips from entrepreneurs and business experts on creating pitches that can help you raise capital. More Power Than Point PowerPoint (or “presentation software”) has become the lingua franca of American business. It’s also become the problem with American business. Best of the Net: Power Brokers When it comes to presentation software, most users agree there’s one clear standard. We’ve found some Web-based resources to help you make your point. Captivate Audiences with Powerful Presentations Do you want your speeches to pack a punch? Professional speaker and speech consultant Patricia Fripp offers ideas on humor, movement, and vocal techniques. Short and Sweet: Mastering Quick Presentations Called on to make a brief speech? Professional speaker and speech coach Patricia Fripp offers tips for saying what you want, short and sweet. Present Before You Propose Improve your presentation by saving handouts until the end. Finding the Perfect Pitch Watch three rookies gear up for the investor presentation of a lifetime. The Seven Habits of Highly Effective Presenters Entrepreneurs learn pretty quickly that making a verbal pitch to investors is very different from submitting a written business plan. Here are seven good practices gleaned from a venture-capital boot camp. Elements of a Winning Pitch A presentation to potential investors in your business — to family, friends, or angels — should include most of these elements.

Escape From Meeting Hell It’s time for another soul-sapping, oxygen-depriving, time-wasting, mind-numbing company meeting. Or is it? We offer 15 clever solutions to the problems with most meetings. Meetings Go Virtual Web conferencing and other collaboration technologies — tools that help people work with one another through their computers — have become more available and affordable. This is a boon for smaller companies whose only previous collaboration option was to gather workers in a room with coffee, donuts and a whiteboard. Meetings 101: Was That a Good Meeting, or a Bad One? Five simple factors that help ensure every meeting is a good meeting. Tools for Boosting Communication Effectiveness Tips on how to boost the effectiveness of communication in meetings, during change initiatives, and in interviews. Advice on Getting the Most Out of Meetings Keith Lamb shares some advice on getting the most out of your meetings. Cure the Sick-Meeting Ills Ineffective meetings may be wasting time and lowering morale. Two communication experts offer seven strategies for dramatically improving your meetings. How to Manage Meetings More Effectively A look at companies that hold unique meetings for developing products, building camaraderie, generating ideas, and reviewing employees’ needs and achievements.

Writing and Organizing a Winning Speech Public speaker and speech consultant Patricia Fripp suggests following one of two basic outlines for your speech. She also offers speechwriting tips. Polishing and Rehearsing for a Perfect Presentation You’ve written a speech, but there’s still work to do before delivering it. Patricia Fripp gives six suggestions for making sure your speech hits home along with several ideas on effective rehearsing. Deliver a Stellar Speech Powerful presentations happen when you check out the room in advance and work to connect with the audience when talking. Patricia Fripp offers ideas for ensuring that what you say is a smashing success. No More Pre-Speech Jitters From virtual reality therapy to positive visualization, we’ve got relaxation techniques to help offset your fears of public speaking. Free Speech Preparing for a big speech? Resources on the Web can help.

Work through Writer’s Block Need help working through some written projects? Two communication experts offer eight tips for clear and effective writing. Writing Well on the Web Content is king. Here are easy ways to make your website more reader-friendly. Polish Your Prose Poor grammar and punctuation in proposals and reports could cost you business. How to Blog The trick, say experts and longtime bloggers, is restraint. “For marketers, it’s about being more authentic, which is so ironic,” says one analyst.
How to Drive Traffic to Your Company’s Blog Driving traffic to your small business’ corporate blog takes equal parts old-fashioned marketing and contemporary Web tools.

Troubleshooting

Are You Assertive or Aggressive? Assertiveness is the skill that tops the list for success or failure in any workplace situation. Learn how to be more assertive — not aggressive — and apply it to your interactions. Get Your Point Across without Being Rude Is your communication style a little rough around the edges? Here are five techniques for saying what you mean without making enemies in the process. Communicating When People Leave You Speechless Improved communication is a nice idea, but can it work in the real world? Take a look at these real-life business issues and suggestions for better communication that may lead to better business.





Top 10 UK Universities for Business – Management Studies 2017 – Complete

#business colleges

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Top 10 UK Universities for Business Management Studies 2017

The Complete University Guide’s 2017 subject league tables rank institutions by Entry Standards, Student Satisfaction, Research Quality, Research Intensity and Graduate Prospects.

A degree in a Business Management Studies course has a number of benefits and it’s easy to see why prospective students choose this route. Heart set on business but at a loose end? Our countdown of the top 10 universities for Business Management Studies may help:

10. University College London

2016 marked UCL ‘s first appearance in the Business Management Studies top 10, and this year has seen them continue that stellar form. Just look at its Graduate Prospects score – a whopping 81%. UCL School of Management offers some of the most up to date programmes out there, incorporating learning activities and industrial experiences to develop commercial competencies.





Gear, Software – Other Products Guide – Photography Concentrate #business #funding

#photography business

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Gear, Software Other Products Guide

A photographer needs a camera. But which one will work best for what you hope to achieve? And how about all of those software and app options that will help take your photos to the next level, and keep your business organized and efficient. And then there are the scanners, printers and photobooks that ll take your photos off the screen and put them into the hands of you and your clients. Across the board, there are an overwhelming number of options. Finding the right ones can make your head spin!

Well, the good news is that the tools don t matter nearly as much as the photographer. What really makes for great photos is you! But you still need some equipment to get you there, so check out thesearticles to help make gear, software and printing decisions a little simpler!

Gear

If you’re looking to learn how to take control over your camera, check out our tutorial Extremely Essential Camera Skills. It mixes text, video, illustrations and sample photos to help you get confident with your camera, super fast!

Software Apps

Need some help finding your way around Lightroom? Check out our tutorial, Super Photo Editing Skills. which uses video to show you how to navigate Lightroom 4, easily. Awesome!

Albums, Printers Scanners

Looking to sharpen your album design skills? Check out our tutorial, Awesome Album Design Skills. which uses videos and handy guides to teach you all you need to know to create beautiful albums in InDesign.

FREE Lightroom Presets! Yes!

Want to see how quick and easy it is to make stunning edits to your photos using Lightroom? Sign up for our free club and you’ll get a ton of high quality presets, totally free. Put your email in the form below and let’s get started!

About Rob + Lauren

We are two photographers who are obsessed with the magic of photography. We like it so much, in fact, that we want to help other people do it, so they can be super happy too.

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Free PCI Compliance #free #pci #compliance,pci #compliant #free,merchant #processors, #fees,pci #compliance #guide,


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Free PCI Compliance. why becoming PCI Compliant matters

PCI Free provides free compliance solutions and resources. Merchants and business owners can save time and money with free PCI compliant merchant solutions.

If your business accepts or processes payment cards, it must comply with the PCI DSS (Payment Card Industry Data Security Standards). All businesses and merchants that store, process and or transmit card holder information are now required to be PCI compliant.

PCI DSS is a set of requirements for enhancing data security. This originally began as individual programs from Visa, MasterCard, American Express, Discover, and JCB. To facilitate the broad adoption of consistent data security measures Visa, MasterCard, American Express, Discover, and JCB aligned their individual policies to release the Payment Card Industry Data Security Standards .

Is PCI Compliance just another profit center for my merchant processor?

Many believe that the new PCI compliance standards are little more than new revenue stream for merchant processors. Most small business owners and merchants have little information about the process and as a result wind up paying inflated PCI compliance fees. Merchant processors have been charging up to 300.00. Completing a form is frequently all that is required for many merchants to meet the standards, charging small businesses $300.00 for nothing more than completing a form is excessive, to say the least.

Smart business owners become PCI Compliant

In today’s economy, merchants and small business owners are required to thoroughly evaluate operating costs, merchant processing fees is an area frequently overlooked. Evaluating and comparing merchant processing solutions including fees for services such as ours for your business can be well worth the time it takes and result in considerable savings for your company.

Small Business Compliance Guide Self Assessment Questionnaire (SAQ) Merchants

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Guide to Majors in Business Management #online #business #ideas

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Guide to Majors in Business Management

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Business management is a versatile field that offers opportunities for individuals with a variety of interests and skills. Talented business managers are in demand and may remain so as the global business environment becomes more complex.

If you get along well with people, have an interest in business and technology, and have excellent communication skills, you could be a good fit for a career in this field. The ability to think critically and a willingness to work independently are important factors in determining success in business management. In addition, an enjoyment of solving complex problems and an understanding of complicated financial data are helpful.

This guide to majors in business management will give you in-depth information about careers and degrees in business management, including what you ll learn, the expectations and requirements of a business management career, and what it may take to succeed.

What is Business Management?

Business management is the process of developing the strategies, plans, procedures and policies that guide a business on both a day-to-day and long-term basis. It involves coordinating human, financial and material resources to achieve organizational objectives.

Whether you re interested in becoming an entrepreneur and launching your own business or joining a Fortune 500 firm and starting your climb up the corporate ladder, it s imperative to start your path to your business management career with a strong educational foundation.

What Will I Learn by Obtaining a Business Management Degree?

Majoring in business management offers a broad foundation in business basics such as accounting, budgeting, marketing, planning, hiring and leadership. When pursuing an advanced degree, you may choose to specialize in any of these areas, as well as in human resources, healthcare management or computer information systems.

Working in teams is a mainstay of business management education and a valuable way to prepare for the real world. Your coursework may include accounting, finance, business law, economics, statistics, principles of management, organizational development and human relations. Through your business management classes, you ll be honing your problem solving, critical thinking, forecasting, project management and entrepreneurial abilities.

Requirements to Earn a Business Management Degree

Because business management is such a versatile career, you can choose the educational path that best prepares you to achieve your career goals.

Associate s Degree

Earning a two-year associate s degree in business administration or business management can offer opportunities to break into the business world. Advancement often requires a bachelor s degree, which can be pursued while working in the field.

Bachelor s Degree

A four-year bachelor s degree, such as a BA in Business Administration Management. may open the door to additional career options, since employers hiring for business management positions usually require a bachelor s degree at minimum. Additional education, professional certification or an advanced degree may be required to advance your career. Those interested in human resources may want to consider a Human Resources Administration minor. which could make you a stronger candidate for HR jobs.

Master s Degree

For top-level positions, employers may prefer candidates with advanced degrees. With an MBA in Management. an MBA in Marketing. or an MBA in Healthcare Management. you could be positioned to compete for senior-level jobs. An advanced degree typically takes an additional one to two years beyond the bachelor s level.

Some employers may offer tuition assistance to help you obtain a master s degree while establishing yourself in your career.

Career Opportunities in Business Management

Business management career opportunities vary in level of responsibility, salary expectations, and education and preparation required.

  • An associate s degree may qualify you for labor relations specialist, office manager or administrative specialist jobs.
  • Positions such as business analyst. account executive, HR manager and management consultant typically require a four-year degree, such as a BA in Business Administration Management.
  • You could qualify for executive-level positions, such as chief executive officer. senior management consultant, director of operations or brand manager. with an advanced degree, such as an MBA in Management or an MBA in Marketing.

Additional potential careers include management analyst, retail store manager, hospitality manager, human resources administrator and small business manager. Business management can be applied in areas such as organizational behavior, human resources, operations and strategic planning. You can work in a variety of industries, including manufacturing, medical and health, charities, hotels, government, chemical, computer and information systems, fashion, grocery, advertising and promotions, utilities and construction.

Opportunities exist in the public, private and nonprofit sectors.

With a field as varied and open-ended as business management, consider your strengths when selecting a specialization. If you enjoy dealing with people one-on-one, human resources may be a good fit. An entrepreneurial focus is suitable if you are planning on starting your own business. It is critical to research specific management roles to select a path that suits your interests.

Expectations for a Business Management Career

Business management majors can expect to see solid employment growth across a variety of industries in the coming years, according to federal projections. Potential salary ranges for business management professionals will vary according to several factors, including the specific industry, regional market conditions, and a candidate s educational qualifications and employment history.

As of May 2015, the U.S. Bureau of Labor Statistics (BLS) reported average annual wages for the following management roles nationwide:

*Please note that the hyperlinks remain updated, so the most recent salary information will be found by clicking on the job title. This information is updated every one to two years by the BLS.

Your professional responsibilities may include supervising staff, analyzing data, planning operations and making crucial business decisions. Business managers may take care of day-to-day tasks such as hiring, training, purchasing and quality control in smaller firms. For larger organizations, formulating policy, planning for resource needs, setting overall direction and implementing strategies are some of the tasks often required of business managers.

Because salaries vary depending on the specific position, as well as location, education and experience, prospective students are encouraged to conduct independent research to determine actual earning potential.

Training, Other Qualifications and Advancement in Business Management

Business management professionals need a wide variety of up-to-date business expertise to succeed and advance in their careers. Additional requirements will vary according to each individual position, but employers generally seek strong decision-making and organizational ability. Candidates for a career in business management must develop outstanding interpersonal and communication expertise, as well as creative problem-solving ability.

After obtaining work experience, an advanced degree such as an MBA or both, business professionals may advance to positions with more responsibility and higher pay. Some graduates may pursue further study in finance, human resources, marketing, international business or computing to develop their expertise in a business specialization. For instance, labor relations specialists may be promoted to human resources directors; department managers may become operations managers; management consultants may be promoted to chief financial officers. As a business management major, you could find yourself positioned for opportunities throughout your career, up to and including the executive suite.

Business Management Majors Offer Versatility and Opportunity

If you re interested in making a difference in the exciting world of business, earning a business management or business administration degree is a great place to begin. A business management major provides the broad knowledge employers need, while giving you the option to specialize in many interesting and rewarding areas.

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Candle Making Business Start-Up Guide #business #portal

#candle making business

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Candle Making Business Start-Up Guide

Founding and operating a candle making business makes you both an artisan and an entrepreneur. Are you ready to put your creative skills and business savvy to work to grab a piece of that market? This start up guide provides both the steps and resources needed to launch a candle making business.

Define Your Product Line

Decide what kind of candles you want to make and sell. Your designs are limited only by your creativity and materials, but do yourself a favor and start with a limited product line. A few options include:

  • Candles made into custom shapes, like animals or sports figures
  • Church candles, with colors to match the liturgical seasons
  • Candles with embedded jewels or other treats
  • Unity candles, for use in wedding centerpieces
  • “Good luck” candles

You can also distinguish your product line based on the materials you choose.

  • Make your candles from beeswax, soy wax, paraffin, or gel.
  • Embed ribbons for wicks, inserting them either upright in tall candles, or lengthwise in shallow candles.
  • Make container candles, using barware, antique glassware, shells, or decorative tins.
  • Develop a scent that is all your own.
  • Create specialized colors.

Learn which candles are your best sellers, and expand your product line from there. Whatever design choices you make, be sure to write down all your recipes and formulas. You will need to be able to reproduce your winners to precise specifications.

Set Up Your Workspace

You will need a heat source that does not rely on open flame, a well-lighted workspace, room to set up an assembly process, and adequate storage space for your supplies. You will also need a climate controlled environment for storing your finished candles, as well as an area designated for packaging.

Be sure to purchase the correct type of fire extinguishers, or a fire-suppression system. Hot wax is volatile, and an accidental spill can quickly become a consuming blaze!

Stay Safe and Legal

Become knowledgeable about your city’s zoning laws as you plan your workspace, and stay legal. Because you are working with flammable materials, extra caution is advised. Research your city fire codes, obtain all necessary permits, and speak with your insurance representative. If you should have a fire and authorities determine that your business was operating outside the law, your liability could be great.

Make a List of Supplies

As an accomplished candle maker you may already have a number of your supplies on hand, but you will still need stock up on quantities. Consider the following shopping list of supplies and adapt it as needed.

  • Double boiler
  • Wax
  • Wicks
  • Molds
  • Dyes
  • Fragrances
  • Additives
  • Luster spray
  • A scale
  • Measuring instruments
  • Thermometer
  • Leak-proof containers for candles
  • Packaging materials

Identify and Select Supply Vendors

At first you may elect to purchase your supplies from a local hobby store. As your business grows, however, you will want to seek out quality wholesale vendors. Placing larger orders with select vendors is generally a more cost-effective way to procure supplies.

You will also find that vendors’ new offerings are good indicator of industry trends. Your vendor should also be able to provide the quantities you need, in the timeframe you require. Popular candle making suppliers include:

  • Candlechem offers a broad range of products including seamless molds, braided wicks, warning labels, and more.
  • Candle Making Supplies carries a wide range of waxes, containers, and molds. The company is also known for its palette pricing.

Gain Industry Expertise

Your customers -particularly those who are resellers- will look at you as an expert in the candle manufacturing industry. They will feel more comfortable buying from you, and consequently become more loyal, when they perceive that you “know your stuff.” They will be eager to hear about product trends, fresh marketing ideas, environmental efficiencies, and more. The following organizations can help you to stay on top of industry knowledge.

  • Candle Cauldron has recipes, tips for throwing candle parties, formulas for figuring candle burn times and many other tricks of the trade.
  • The International Guild of Candle Artisans offers information, a gallery of amazing candles, safety tips and a suppliers index.
  • The National Candle Association is a wonderful membership organization devoted to the art and safe use of candles in the home.

Establish Your Business

Just as some aspects of your business relate specifically to product creation, other facets are common across all types of businesses. A few of the steps to starting a small business include:

  • Naming your business
  • Selecting a legal structure
  • Registering your business with both the state and IRS
  • Establishing accounting practices
  • Buying business insurance

Write Your Business Plan

Writing a good business plan is the linchpin to establishing almost any successful small business. You will need to include market research and financial statements, as well as organizing and formatting your plan in a manner that is familiar to potential lenders and investors.

A solid marketing strategy and advertising plan are critical components of any good business plan. Sometimes the marketing plan is written as a component within the business plan, and sometimes it’s a separate document. Be sure to include details, such as the types of media advertising channels you plan to use.

Budget and Finance

It’s no surprise that start-up budgets for candle making businesses vary. Shoestring Profits estimates that you will need an initial investment of only $200-$300, while Entrepreneur suggests a starting budget of $2,000.

Many people fund small start-up businesses out of their own savings or take an advance on an existing credit card. Others seek out investors, lines of credit, government loans. or grants.

Pricing

Once you have accounted for all your expenses and know exactly how much it costs to produce each candle, you will be able to set your sale price. A good rule of thumb is to double your costs and charge that amount to your wholesale or bulk customers. For direct sales you will want to triple your cost.

Check your competitors’ pricing to determine whether your prices are competitive. If your prices are significantly lower, you may want to adjust them upward. If they are slightly higher, you’ll need to explain why your products are worth more. Perhaps your candles burn longer, or cleaner, or feature some other property that your is unique to your brand. People value what they pay for, but your marketing must help them to justify the expense.

Work Smart

Small business owners routinely wear a lot of hats, but no one can be all things to all people. Seek outside help when you need it; build it into your budget, and incorporate it into your pricing structure. It’s okay to hire an accountant or contract with someone to build and maintain your website. That isn’t working less; it’s working smart.

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How To Start An Online Business – The Ultimate Guide To Making

#start online business

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How to start a successful online business

PASSION IS NOT ENOUGH.

How do I get started?

Repeat after me:
PASSION IS NOT ENOUGH

Most “experts” teach you that once you find your passion, you’ll magically become wealthy.

I don’t have to tell you that this plan is missing a few vital steps, such as an actual plan. Before you invest your time and energy creating an online product, ask yourself these questions:

  • How do I know which idea will be most profitable?
  • Will people actually pay?
  • How do I bring in traffic and buyers?
  • What can I do to set my business on autopilot, so it runs on systems instead of on my (limited) time?

Step 2

Solve the right problem (it’s probably not what you’d expect)

I asked readers, “What excites you about starting an online business?” Over 1,000 readers responded with ME-FOCUSED responses about what they wanted from an online business.

OK, we all want something for our work, whether it’s extra money, more free time, or the ability to be our own boss and give ourselves vacation days when the weather’s nice.

But what about your customers?

Nobody will ever give you money to solve your problems. but they’ll love you and happily pay you if you help them solve theirs. And by focusing on them, you’ll immediately stand out in a sea of online businesses that are only looking out for themselves.

What would happen if you said, “I’m really good at helping my friends with their relationship problems. I don’t want to just help people 1-on-1…I want to help THOUSANDS of people.” Or “I love helping people get in shape. I want to help as many people get fit as possible.”

It’s a huge psychological shift.

Once you’ve identified something you believe in, you need to know what idea people will pay for, how much to charge, and how to sell it without being sleazy.

It starts with figuring out what kind of online business you want.

Which online business ideas work best?

When you’re starting an online business, it’s easy to get overwhelmed by tactical minutiae. Should you create software, a physical product, a coaching system, or something else? How do you choose the right software, create your website, figure out drop shipping, and accept payments?

But when you drop what doesn’t work I spent years figuring this part out you’re left with 6 main options for an online business. I’ve systematically tried them ALL over almost a decade, and I’ll let you know exactly which ones are good and bad.

Your 6 options for starting an online business are software (including apps), physical products, ads, affiliate marketing, coaching, and online courses. And they aren’t all created equal.

Coaching is the single-best way to start learning business skills.

Many people don’t even think they can launch an online business. Then hold themselves back by saying things like, “I’m not an expert at personal finance, finding a dream job, or [fill in the blank].”

“I don’t know anything people would pay for!”

Are you sure? Unless you’ve actually tested your idea, the answer is “no.”

“But Ramit, my idea’s too weird/dumb! Nobody would ever pay to learn about it.”

I used to think that, too, until I discovered how many other weird people are out there. Here are just 3 profitable courses I’ve seen in the past year:

  • Toilet Trained Cat. Train cats to use the toilet. Revenue from books and courses.
  • Hear and Play. Learn to play piano by ear, without sheet music or years of lessons. Revenue from courses.
  • The Ultimate Disney World Savings Guide. Vacation at Disney World for half price. Revenue from ebooks.

Do these seem like ideas for normal, successful products? Of course not. These people simply found something they’re good at, then tested the market to see if other people were willing to pay for their knowledge.





Communications Guide: How to Improve Your Communication Skills #business #tax #software

#business communication skills

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A Crash Course in Communication Need a quick refresher on effective interpersonal interaction? Two communication experts offer 12 steps to smoother conversations. Lost in Translation Thanks to e-mail, BlackBerrys, and text messaging, the face-to-face encounter is becoming a dying art. Here’s why you should revive it. The Power of Listening How does an old-line manufacturer in a stagnant industry manage to grow 25% a year for 10 years? By taking its employees seriously. Do as I Say: Quick Tips for Masterful Communication Tired of doing all the talking and not having your message get through to your staff? Try these suggestions to improve your leadership communication skills. Just Listen to Yourself Tape yourself to better understand your communications style. Powerful Questions Can Have a Powerful Effect Questions can be one of the most effective communication tools available to us. Do you use questions enough in your day-to-day interactions? When Do You Lie? Strategies For More Authentic, Respectful Communication Lies come in all shapes, sizes and colors. (Ever heard of flat-out, teensy or white lies?) This article focuses on when it’s appropriate, if at all, to lie. 10 Tips for Communicating Change Transition is inevitable, but exactly what you say and how you say it can make a major impact on how change is handled in your company. How to Motivate Employees Kevin Plank, founder of Under Armour, says it is vital to maintain regular face-to-face communication with employees even as a company expands. The 4-1-1 On Constructive Criticism Being critical is easy, and offering criticism seems easier still. Yet constructive criticism – – the more refined and effective brand of critical feedback – – is like an art. Lost in the Translation Tips on communicating with employees who don’t speak English.
How to Say You’re Sorry Apologizing is part of doing business. But do it wrong, and you’ll really be sorry. Tips on Becoming a Good Conversationalist In this excerpt from How to Work a Room: The Ultimate Guide to Savvy Socializing in Person and Online learn tips for becoming a talk target — someone with whom it is easy to make conversation.
10 Tips for Successful Networking Keith Ferrazzi needs two PalmPilots to keep track of all his contacts, people like Bill Clinton and Michael Milken. But there’s far more to cracking the inner circle of the power elite than just taking names.

Powerful Presentations Small-business columnist Rhonda Abrams shares nine strategies for giving powerful presentations. Reinventing the PowerPoint New tech tools to liven your tired old PowerPoint presentations–and give your online marketing efforts a boost. Perfecting Your Pitch Check out these tips from entrepreneurs and business experts on creating pitches that can help you raise capital. More Power Than Point PowerPoint (or “presentation software”) has become the lingua franca of American business. It’s also become the problem with American business. Best of the Net: Power Brokers When it comes to presentation software, most users agree there’s one clear standard. We’ve found some Web-based resources to help you make your point. Captivate Audiences with Powerful Presentations Do you want your speeches to pack a punch? Professional speaker and speech consultant Patricia Fripp offers ideas on humor, movement, and vocal techniques. Short and Sweet: Mastering Quick Presentations Called on to make a brief speech? Professional speaker and speech coach Patricia Fripp offers tips for saying what you want, short and sweet. Present Before You Propose Improve your presentation by saving handouts until the end. Finding the Perfect Pitch Watch three rookies gear up for the investor presentation of a lifetime. The Seven Habits of Highly Effective Presenters Entrepreneurs learn pretty quickly that making a verbal pitch to investors is very different from submitting a written business plan. Here are seven good practices gleaned from a venture-capital boot camp. Elements of a Winning Pitch A presentation to potential investors in your business — to family, friends, or angels — should include most of these elements.

Escape From Meeting Hell It’s time for another soul-sapping, oxygen-depriving, time-wasting, mind-numbing company meeting. Or is it? We offer 15 clever solutions to the problems with most meetings. Meetings Go Virtual Web conferencing and other collaboration technologies — tools that help people work with one another through their computers — have become more available and affordable. This is a boon for smaller companies whose only previous collaboration option was to gather workers in a room with coffee, donuts and a whiteboard. Meetings 101: Was That a Good Meeting, or a Bad One? Five simple factors that help ensure every meeting is a good meeting. Tools for Boosting Communication Effectiveness Tips on how to boost the effectiveness of communication in meetings, during change initiatives, and in interviews. Advice on Getting the Most Out of Meetings Keith Lamb shares some advice on getting the most out of your meetings. Cure the Sick-Meeting Ills Ineffective meetings may be wasting time and lowering morale. Two communication experts offer seven strategies for dramatically improving your meetings. How to Manage Meetings More Effectively A look at companies that hold unique meetings for developing products, building camaraderie, generating ideas, and reviewing employees’ needs and achievements.

Writing and Organizing a Winning Speech Public speaker and speech consultant Patricia Fripp suggests following one of two basic outlines for your speech. She also offers speechwriting tips. Polishing and Rehearsing for a Perfect Presentation You’ve written a speech, but there’s still work to do before delivering it. Patricia Fripp gives six suggestions for making sure your speech hits home along with several ideas on effective rehearsing. Deliver a Stellar Speech Powerful presentations happen when you check out the room in advance and work to connect with the audience when talking. Patricia Fripp offers ideas for ensuring that what you say is a smashing success. No More Pre-Speech Jitters From virtual reality therapy to positive visualization, we’ve got relaxation techniques to help offset your fears of public speaking. Free Speech Preparing for a big speech? Resources on the Web can help.

Work through Writer’s Block Need help working through some written projects? Two communication experts offer eight tips for clear and effective writing. Writing Well on the Web Content is king. Here are easy ways to make your website more reader-friendly. Polish Your Prose Poor grammar and punctuation in proposals and reports could cost you business. How to Blog The trick, say experts and longtime bloggers, is restraint. “For marketers, it’s about being more authentic, which is so ironic,” says one analyst.
How to Drive Traffic to Your Company’s Blog Driving traffic to your small business’ corporate blog takes equal parts old-fashioned marketing and contemporary Web tools.

Troubleshooting

Are You Assertive or Aggressive? Assertiveness is the skill that tops the list for success or failure in any workplace situation. Learn how to be more assertive — not aggressive — and apply it to your interactions. Get Your Point Across without Being Rude Is your communication style a little rough around the edges? Here are five techniques for saying what you mean without making enemies in the process. Communicating When People Leave You Speechless Improved communication is a nice idea, but can it work in the real world? Take a look at these real-life business issues and suggestions for better communication that may lead to better business.





Guide to Starting a Side Business #good #business #ideas

#side business ideas

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Guide to Starting a Side Business

Starting a side business can be a great option for anyone looking to diversify their income or start the process of taking their side business ideas and turning them into a full-time venture. Some of the best side business ideas can even be done from home.

There are so many opportunities to build a side business from home or otherwise, but make sure you’re starting a business with the right idea. From event planning to lawn care, there are plenty of ways to build a business while tapping into your passion. Local industry groups and networking meet-ups can be a fantastic way to meet other like-minded business owners as you refine your idea, research the market you’re breaking into, and scope out the competition.

Once you’re ready for launch, don’t neglect these networks. There may be many challenges to starting a side business. but chances are other small business owners around you have gone through similar situations and can offer advice. Of course, joining a small business association can be a great way to access resources and members-only savings while meeting small business owners in other industries to exchange ideas with.

Take a Hard Look at Your Time

Having a great idea for a side business or home-based business is just the start. It’s worth taking a good hard look at your time, resources, and plans for the future before jumping in and opening up that etsy shop or online service. You may be planning around a family or a full-time job, or you may be jumping into a new field where you don’t have much experience.

The first step is to evaluate your time and current time management skills. Especially if you have a family, balancing a side business can be challenging. You’ll need to set up a system for managing your time effectively and find the tools that work best for you.

Starting a side business while you’re still employed is a tricky balance, as you’ll have to put your job first at least for the foreseeable future. These tips can help you figure out strategies to build your side business without sacrificing your day job .

Cross Your T’s and Dot Your I’s

There is a whole range of legal and financial requirements that go into starting a business, even a small side business. From registering a business name to getting a tax number, it’s worth spending some time up front on getting these kinds of administrative tasks done.

At the very least, you may want to set up a separate account for all transactions related to your side business. It doesn’t necessarily have to be a business account to start with, but it should be clearly separated from your personal accounts. Save yourself and your accountant headaches and burdensome tax bills later on, and set up a record keeping system that’s effective right from the start. Getting an accountant is also a good step, if you don’t already have one.

You may want to take into account home office deductions in your planning, as well, if you set up a home office: even if it’s somewhere unconventional. Meeting space can be an issue for home-based businesses, so planning an alternative meeting space or getting your home set up for a professional meeting in advance will help mitigate stress.

Deal with regulations

Yes, there are far too many regulations on small businesses. And NFIB is fighting to change that. But in the meantime, compliance with zoning laws, industry-specific regulations, and other rules needs to be taken seriously.

If you’re running your business out of your house, there’s a good chance you’re subject to zoning restrictions. Fifty-two percent of businesses that are based at home will be. Make sure you check your local authorities’ rules, look at ordinances, and ensure that you won’t face restrictions from your local homeowners association or landlord. Everything from land use to signage, if you eventually put some up, can be an issue.

When all that’s complete, it’s worth checking in with your neighbours: especially if your idea for a side business will have people coming to your home, or if there may be noise. Think of it as a chance to inform and educate. You could earn a few early customers by being clear from the beginning, which is preferable to creating enemies once your side business takes off.

Get the Word Out When You’re Ready to Launch

When you’re passionate about your side business, talking it up to potential clients or customers can be a breeze – but getting your name out there still takes a lot of work! Depending on your skills and interests, you may be able to take on most of the marketing for your small business .

You don’t have to be doing everything at once, either. Maybe your business is best on one or two social media channels, or you get customers exclusively through networking and word of mouth. It’s worth checking out what your competition is doing to see if there are any gaps you can fill or audiences that are underserved. As with most of the other initial stages of starting a side business, research is key here.

Most of these initial steps to starting a side business come down to research and self-reflection: knowing what you want out of your new business, what your audience will want, and what time and resources you can realistically devote to your business as you start it off. If you’re ready to take your side business ideas to the next level, get planning. NFIB offers many resources for learning about different aspects of running a small business. Once you’re confident in your idea and plan, you should be set up for success.

Grow Your Business With NFIB

NFIB members receive valuable business advice on topics like healthcare, marketing and taxes.





Understanding Car Financing #vehicle #financing, #car #financing, #car #loan #guide, #vehicle #loan


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Understanding Car Financing

Understanding Car Financing

Generally, most people don’t purchase vehicles outright; they finance them, meaning, they get a loan from one of a variety of lenders and pay off that loan over a designated period of time.

Auto Loan Basics

Financing a new or used vehicle with a dealership, bank. or credit union is common (skip down to Auto Loan Financing Options for more details), but exactly what goes into determining your car loan?

Simply put, you can expect potential lenders to look at:

  • Your credit score —People with higher credit scores are more likely to get better auto loans (or, in some cases, get auto loans at all).
  • Your ratio of debt to income —Your debt-to-income ratio is how much money you owe in debt compared to the amount of money you earn.
  • The size of the loan and the down payment —Typically, a larger down payment lowers the size of the loan, and helps you get lower loan payments, too.
  • The length of the loan —For how many months do you want to finance your vehicle? This can determine the amount of your monthly vehicle payments.
  • The age of the vehicle —Often, you’re more likely to get a better auto loan rate for a new vehicle than you are for a used one; this is because if you default on the loan for a new vehicle, it will still have a higher resale value.

Auto Loan Financing Options

Many buyers—especially those purchasing their first vehicle from an auto dealer—believe getting a loan with the dealership is their only option; while this is a common option, it isn’t the only one .

Below are several ways buyers can obtain car loans, along with a few of the advantages and disadvantages of working with each type of auto lender.

Dealerships

Again, it’s common to finance a vehicle with the help of a dealership; in fact, it’s probably the most convenient option. Once you decide on a vehicle, you can both buy and finance it in one day .

Your dealer will arrange all of your auto loan financing requirements for you. Plus, you might get better financing rates than you would with another lender if the dealership is trying to get rid of its end-of-the-year inventory.

However, “convenient” doesn’t always mean “best”—at least not for all buyers. For example, financing a vehicle with a dealership sometimes means more expensive interest rates (especially if you have a less-than-stellar credit score), additional and often unnecessary fees, and working with third-party lenders with whom you don’t already have a relationship.

Manufacturers

Generally, getting a car loan through a vehicle manufacturer means working with the dealership to take advantage of special financing deals offered by the manufacturer itself and not the dealership. Sometimes, you’ll see commercials and other advertisements for manufacturer financing offers, or your car salesperson will tell you about them. Of course, it’s always wise to ask about these offers, too.

Although manufacturer financing deals can get you low financing rates, they’re usually only available to people with excellent credit scores .

Banks

For many, getting a car finance loan from a bank is the best option—especially if you work with a bank with which you already have a relationship. Getting a bank auto loan means you’ll already know how much you can afford before you start shopping for your car. Oftentimes, a bank can negotiate lower interest rates and shorter loan terms .

Perhaps the only downside to getting auto loans from banks is having to make the extra trip before visiting the car dealership; however, if you can get better loan and interest rates, it may be worth it.

Credit Unions

Working with a credit union is similar to working with a bank; in fact, some people use credit unions for all their banking needs. Just like working with banks, getting an auto loan from a credit union means you know your financial terms and conditions upfront. before you even step foot on the car lot.

However, even though credit unions generally offer lower loan rates than do banks, there are occasions when credit union interests rates may be higher. Be sure you fully understand the loan interest you’ll have to pay before you sign the dotted line.

Online Auto Financing

Online auto financing is becoming increasingly popular. Similar to working with your bank or credit union, working with an online auto financing company can help you do everything from completing the car loan application to getting pre-approved for your loan. Plus, because it generally costs less to do business online, online finance companies might offer even lower rates than traditional banks and credit unions .

Getting Pre-Approved Car Loans

Car loans with dealerships or manufacturers take place at the dealership, generally after you’ve decided on a vehicle. Working with a dealership or manufacturer can puts you on the spot, leaving room for finding out your interest rates are too high, your credit score isn’t up to par, or worse, you don’t qualify for a loan at all.

Getting a pre-approved car loan is beneficial because you walk onto the car lot knowing exactly how much money you can afford to spend, making it much easier to shop within your budget. You’ve already been approved for the loan, and you know the exact terms and conditions of the loan.

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Trust is everything, creative team led by a highly experienced senior SEO


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We believe it’s best to do one thing really, really well.

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Which strategy is best for your business can be started by asking the questions what does success look like , what are you trying to achieve, what is your revenue target, is organic search or traffic from social media channels adequate to generate the necessary conversions? We then translate these aspirations into search traffic numbers and a strategy to achieve them. More.

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Put a price tag on your business: A guide to business valuation

#business valuation

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Put a price tag on your business: A guide to business valuation

If you want to sell all or part of your business, you need to have an idea of its value. This information will help you understand the different approaches to business valuation, but you may want to seek professional guidance and advice. Prospective investors will also assess its value when they consider your proposal.

The process of determining the value is called valuation. You and the buyer or investor need to determine what you feel is an appropriate business valuation because it will be the basis for negotiating:

  • How much of your business the investor or buyer will purchase
  • How much the buyer or investor will pay (the price of the business or of its shares)
  • The return the buyer or investor can expect to earn

Ways of valuing a business

Valuation is not an exact science, and there are different ways of valuing a business. Each of these methods is based on different assumptions and financial information, which typically results in a different value for each method. For instance, you could base a valuation on the assets of a business (how much it owns) or by taking into account projected revenues or cash flows. Investors generally prefer methods based on cash flows. It s important to know about a variety of methods because they can be useful as benchmarks to check the validity of the value and the price you determine.

Earnings and cash flow-based methods:

  • Discounted cash flow
  • Going-concern value

Discounted cash flow

From the investor s perspective, this is usually the most accurate and effective way to estimate a business value because it is based on future cash flows. These cash flow figures reflect the amount of money that is estimated to come into the business and will ultimately determine the investor s return on investment. The discounted cash flow method is used to answer three critical questions:

  • Value: How much is your business worth today, based on what it will earn in the future?
  • Rate of return: What is the buyer s or investor s expected rate of return, given the amount invested and your business financial projections?
  • Equity share: How much equity will the buyer or investor receive for their investment?

The discounted-cash-flow method is often preferred because it can be more accurate than other methods. Its accuracy and complexity are due to the fact that it:

  • Uses cash flows: It takes into account the projected ups and downs of revenue over a period of time.
  • Discounts the cash flows: It adjusts the cash flows by a rate that is acceptable to the investor to account for risk and the time the investor must wait for a return.
How it works

In this method, cash flow predictions are discounted, or reduced, to adjust for the risk the investor faces and to make up for the fact that the investor could invest their money in something else.

Investors are looking to be compensated for their risk, and their benchmark rate or “discount rate” will adjust for the value of money over time. They will choose a discount rate and compare your proposal against that rate.

Advantages and disadvantages

The discounted cash flow method allows values to be estimated even when your cash flow is fluctuating. A start-up or new venture may expect to lose money in the first years and then make money in later years. These changes in cash flow are taken into account by the discounted cash flow method.

If you use this method, keep in mind that:

  • Its accuracy depends on the accuracy of your cash flow projections. That is why your financial data and assumptions are critical.
  • It is a complex process, so you may require professional guidance.
  • It can give you detailed estimates, but it is important to remember that business valuation is not an exact science your numbers will be based on assumptions and predictions of future performance.
Value: How much is your business worth today?

Let s say financiers are considering an investment in your business, but plan to take their money out in five years. To them, your business is worth today what it can earn during those five years, plus their share of the value of the business at the end of the five years. However, future cash flow numbers and the future value of the business are unknown. The discounted cash flow method applies adjustments or “discounts” to account for those unknowns.

Using this method, the value is the total of the cash flows, adjusted or discounted, plus the value remaining (or residual value), also discounted.

Rate of return: What rate of return will the investor expect?

Investors want to calculate their rate of return. To do that they must compare the amount of the investment to the amount they will earn at the end of the investment period. But how can they know what they will earn in the future? Again, they must use the discounted cash flow projections to estimate the future value of their investment. To do so, they will need to:

  • Estimate the cash flow in the final year
  • Estimate the value of the business based on the cash flow
  • Calculate the final value of their share in the business
  • Determine their rate of return
Value, return and exit strategy

The method used to calculate values and rates of return depends on the specific exit strategy used. Commonly-used methods include going-concern value, book value, and liquidation value.

Going-concern value

The going-concern value method calculates your business value based on its capacity to produce a stream of cash flow in the future. The greater the cash flow your business generates in the future, the higher your business value today.

How it works

The going concern value, like discounted cash flow, compares the current investment to the future receipts (cash inflows). This method uses the revenues of previous years to project future revenues, and it assumes those revenues will not change.

Book Value

This value is the net worth, or shareholders equity, of your business as shown in its financial statements. At its most simplified, subtracting your liabilities from your assets will give you your business net worth or book value. Book value can be described as the historical value of an asset that, at a given time (the day it was purchased), represented the economic or market value of the asset, less its accumulated depreciation.

How it works

To determine the book value, subtract your liabilities from the value of your assets. The difference gives you your net worth or shareholders equity. In practice, book value is seldom used in the process of securing venture capital, although it can be a realistic approach to measuring a small business net worth.

Liquidation value

A liquidation value is assigned to a business being sold in order to satisfy its creditors. Tangible assets, such as land, usually have a liquidation value close to their market value. Inventories and accounts receivable, on the other hand, are usually valued at less than what is shown in the books.

How it works

To determine the liquidation value, all assets are assigned distressed values, and all debts are totalled at book value. Most assets sold under duress are discounted from their fair market value. The difference between the distressed value of the assets and the actual or book value of the liabilities is referred to as the liquidation value.

The liquidation value doesn t reflect the real worth of an asset or a business; in most cases, it is substantially less than the market and book values. This method is typically used only if a business is in serious financial trouble.

Should I seek a financial advisor for help with valuation?

Business valuation is a complex task, and a financial advisor with experience in business valuation can be an invaluable asset.

A professional valuator can:

  • Provide the experience needed to accurately determine the value of your business
  • Offer an objective view of your business worth
  • Give investors more confidence in the credibility of your valuation

Conclusion

There is a saying in the venture capital industry: “The value of a business is only what someone is willing to pay for it.” In other words, the market, and your ability to attract investors and negotiate with them will determine the value or selling price.

Remember that many factors affect the value of your business. Seeking professional assistance can help you calculate an accurate value for your business.

Learn how to determine the value of your business and find ways to increase it.

What is a fair price to pay for a business? Read this article to learn how to estimate the value of a business.

Enlist the help of an expert who can quantify the worth of all, or part, of your business or its securities.

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Stock Market Reporting – Complete Guide To Corporate Finance #free #business #software

#stock market report

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Stock Market Reporting

One of the primary tools for reporting stock market activity is the ticker tape. You’ve seen them on business programs or financial news networks: a flashing series of baffling letters, arrows and numbers scrolling along the bottom of your TV screen. (For a short history of the letters, read The Evolution Of Ticker Symbols and Wall Street History: Windows 1.0 And Ticker- Tape Parades .)

While many people simply block out the ticker tape. others use it to stay on top of market sentiment and track the activity of certain stocks. But what exactly is that cryptic script reeling by? It obviously tells us something about stocks and the markets, but how does one understand the ticker tape and use it to his or her advantage?

Brief History
Firstly, a tick is any movement, up or down, however small, in the price of a security. Hence, a ticker tape automatically records each transaction that occurs on the exchange floor, including trading volume. onto a narrow strip of paper, or tape.

The first ticker tape was developed in 1867, following the advent of the telegraph machine, which allowed for information to be printed in easy-to-read scripts. During the late 19 th century, most brokers who traded at the New York Stock Exchange (NYSE) kept an office near it to ensure they were getting a steady supply of the tape and thus the most recent transaction figures of stocks. These latest quotes were delivered by messengers, or “pad shovers,” who ran a circuit between the trading floor and brokers’ offices. The shorter the distance between the trading floor and the brokerage, the more up-to-date the quotes were.

Ticker-tape machines introduced in 1930 and 1964 were twice as fast as their predecessors, but they still had about a 15-20 minute delay between the time of a transaction and the time it was recorded. It wasn’t until 1996 that a real-time electronic ticker was launched. It is these up-to-the-minute transaction figures – namely price and volume – that we see today on TV news shows, financial wires and websites. And while the actual tape has been done away with, it has retained the name. (See How Has The Stock Market C hanged? to learn more about the evolution of trading.)

Due to the nature of the markets, investors from all corners of the globe are trading a variety of stocks in different lots and blocks at any given time. Therefore what you see one minute on a ticker could change the next, particularly for those stocks with high trading volume, and it could be some time before you see your ticker symbol appear again with the latest trading activity.

Reading the Ticker Tape
Here’s an example of a quote shown on a typical ticker tape:

Throughout the trading day, these quotes will continually scroll across the screen of financial channels or wires, showing current, or slightly delayed, data. In most cases the ticker will quote only stocks of one exchange, but it is common to see the numbers of two exchanges scrolling across the screen.

You can tell where a stock trades by looking at the number of letters in the stock symbol. If the symbol has three letters, the stock likely trades on the NYSE or American Stock Exchange (AMEX). A four-letter symbol indicates the stock likely trades on the Nasdaq. Some Nasdaq stocks have five letters, which usually means the stock is foreign. This is designated by an ‘F’ or ‘Y’ at the end of the stock symbol. To learn more, see Why do some stock symbols have three letters while others have four?

On many tickers, colors are also used to indicate how the stock is trading. Here is the color scheme most TV networks use:

Green indicates the stock is trading higher than the previous day\’s close.
Red indicates the stock is trading lower than the previous day\’s close.
Blue or white means the stock is unchanged from the previous closing price.

Before 2001, stocks were quoted as a fraction, but with the emergence of decimalization all stocks on the NYSE and Nasdaq trade as decimals. The advantage to investors and traders is that decimalization allows investors to enter orders to the penny (as opposed to fractions like 1/16).

Which Quotes Get Priority?
There are literally millions of trades executed on more than 10,000 different stocks each and every day. As you can imagine, it’s impossible to report every single trade on the ticker tape. Quotes are selected according to several factors, including the stocks’ volume, price change, how widely they are held and if there is significant news surrounding the companies.

For example, a stock that trades 10 million shares a day will appear more times on the ticker tape than a small stock that trades 50,000 shares a day. Or if a smaller company not usually featured on the ticker has some ground-breaking news, it will likely be added to the ticker. The only times the quotes are shown in predetermined order are before the trading day starts and after it has finished. At those times, the ticker simply displays the last quote for all stocks in alphabetical order.

Constantly watching a ticker tape is not the best way to stay informed about the markets, but many believe it can provide some insight. Tick indicators are used to easily identify those stocks whose last trade was either an uptick or a downtick. This is used as an indicator of market sentiment for determining the market’s trend.

So next time you’re watching TV or surfing a website with a ticker, you’ll understand what all those numbers and symbols scrolling across your screen really mean. Just remember that it can be near impossible to see the exact price and volume at the precise moment it is being traded. Think of a ticker tape as providing you with a general picture of a stock’s “current” activity.

Stock tables are another source of stock market reporting. Open any financial paper and you will see stock quotes that look something like the image below. In this section, we’ll explain how to make sense of these tables so that you can use the information to your advantage.

Let’s take a look at the stock/quotes table:

Columns 1 2: 52-Week High and Low. These are the highest and lowest prices at which a stock has traded over the past 52 weeks (one year). This typically does not include the previous day’s trading.

Column 3: Company Name and Type of Stock. This column lists the name of the company. If there are no special symbols or letters following the name, it is common stoc k. Different symbols imply different classes of shares. For example, “pf” means the shares are preferred stock.

Column 4: Ticker Symbol. This is the unique alphabetic name which identifies the stock. If you watch financial TV, the ticker tape will quote the latest prices alongside this symbol. If you are looking for stock quotes online, you always search for a company by the ticker symbol. If you don’t know a particular company’s ticker symbol, you can search for it at sites like Investopedia.

Column 5: Dividend Per Share. This indicates the annual dividend payment per share. If this space is blank, the company does not currently pay out dividends.

Column 6: Dividend Yield . This is the percentage return on the dividend. Dividend yield is calculated as annual dividends per share divided by price per share.

Column 7: Price/Earnings Ratio (P/E ratio). This is calculated by dividing the current stock price by earnings per share from the last four quarters. (For more on how to interpret this, see Understand The P/E Ratio .)

Column 8: Trading Volume . This figure shows the total number of shares traded for the day, listed in hundreds. To get the actual number traded, add two zeros to the end of the number listed.

Column 9 10: Day High and Low. This indicates the price range in which the stock has traded throughout the day. In other words, these are the maximum and the minimum prices that people have paid for the stock.

Column 11: Close. The close is the last trading price recorded when the market closed on the day. If the closing price is more than 5% above or below the previous day’s close, the entire listing for that stock is bold-faced. Keep in mind, you are not guaranteed to get this price if you buy the stock the next day because the price is constantly changing, even after the exchange is closed for the day. The close is merely an indicator of past performance and, except in extreme circumstances, it serves as a ballpark of what you should expect to pay.

Column 12: Net Change.
This is the dollar value change in the stock price from the previous day’s closing price. When you hear about a stock being “up for the day,” it means the net change was positive.

Quotes on the Internet
Nowadays, it’s far more convenient for most people to get stock quotes off the internet. This method is superior because most sites update throughout the day and give you more information, news, charting and research.





Online Course: Hotel Management 101 – CEU Certificate #online #hospitality #management #certificate,


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Hotel Management 101

Course Description

Hotel Management will provide a realistic look at every major portion of the hotel business which will help anyone planning or currently pursuing one of the many different career opportunities available in this burgeoning and dynamic industry.

A great hotel manager leads by example. Like any business intent on survival and success, the hospitality industry requires insight into the financial aspect of every facet and every detail. Hotel Management is a course for those who wish to enjoy both personal and professional success in the hospitality industry; and need to have a more than casual understanding of the business and financial operations of the industry.

Hotels and motels are not only places where a guest can obtain tasty food and comfortable lodging, they are an integral part of community life, with facilities for meetings, entertainment, and personal services. The career choices for a person seeking a job in the hospitality industry are vast: guest service manager, head chef, front office clerk, security officer, banquet manager, bookkeeper, concierge and many more opportunities that can be personally satisfying and financially rewarding. Renewed business travel, and domestic and foreign tourism will boost employment growth of lodging managers in full-service hotels.

Additional demands for managers are expected in suite hotels. Business customers are willing to pay more for rooms with kitchens and suites that are spacious enough to conduct small meetings in. Other trainee and managerial opportunities will be available in large full-service hotels offering restaurants, fitness centers, ample meeting rooms and play areas for children, among other amenities.

The hospitality industry offers today’s young men and women an interesting and exciting career. Management of a hotel or restaurant calls for a wide range of capabilities. For those wishing a rewarding and challenging life of service to others, a future in the hospitality field should be seriously considered.

Lesson 1: History and Profile of the Hospitality Industry

This lesson describes the evolution of the hotel, the different types, and the managerial aspects.

  • Lesson 2: Setting Goals and Objectives

    This lesson describes a manager’s duties, job opportunities, and educational programs and financial aid available.

  • Lesson 3: Managing People

    This lesson describes the different job positions in the hotel, managerial duties, and sales and marketing techniques.

  • Lesson 4: Invest Time In Your Personnel

    This lesson discusses interviewing, training, and motivational aspects when hiring employees.

  • Lesson 5: The Reservation Experience

    This lesson covers reservations, customer special requests, travel agencies, and cancellations.

  • Lesson 6: Guest Accounting Practices

    This lesson describes the different methods of payment, credit limits, and the special needs of a casino hotel.

  • Lesson 7: Managing Guest Services

    This lesson addresses guest amenities, room rates, and preventing problems.

  • Lesson 8: Food and Beverage Management

    This lesson covers everything from planning menus and cooks to meeting and convention planning.

  • Lesson 9: Hotel Environment

    This lesson deals with staff issues and hotel security.

  • Lesson 10: How Outstanding Managers Beat Work Overload

    This lesson explains how to separate work from home life, and which area you would be most comfortable in the hotel management.

  • Additional Course Information

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

    Course Title: Hotel Management 101

    Course Number: 33024

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

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

    • Describe the history and profile of the hospitality industry.
    • Know setting goals and objectives.
    • Describe managing people.
    • Know the reservation experience.
    • Know guest accounting practices.
    • Describe managing guest services.
    • Describe food and beverage management.
    • Describe the hotel environment.
    • Describe how outstanding managers beat work overload, and
    • Demonstrate mastery of lesson content at levels of 70% or higher.

    Student Testimonials

    • “I have nothing to say about only that it was good.” — Dorothy G.
    • “A good source of information for a long term employee or for a new trainee.” — Magaly D.
    • “Thanks for your help! It was a great experience.” — Melissa M.
    • “All, even though it was challenging, but I needed to experience that. Thank you so much for being my instructor it was great working with you.” — Nontokozo G.

    Related Courses


    The Ultimate Small Business Startup Guide #small #business #startup #guide


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    Primary Menu

    The Ultimate Small Business Startup Guide

    Small Business Startup Guide

    If you ve taken my free mini course on How To Create A Profitable Online Store in 5 Easy Steps. you re probably excited and raring to launch your own online business. Now is the time to take that enthusiasm and make it into a reality!

    It s important to ride this initial wave of energy because most would be entrepreneurs start out strong but often fail to follow through with their business ideas. Sometimes they lack confidence. Sometimes they lack the finances. But more often than not, most entrepreneurs never get started because they are intimidated by the whole process.

    Let s face it, not everyone has an MBA. Not everyone is educated in the mechanics of starting a business. But the good news is that launching an online business is not rocket science by any means. In fact, my wife and I launched our online store without having any prior experience at all!

    The purpose of the Ultimate Small Business Startup Guide is to help guide you through all of the red tape that the government imposes on every small business. Choosing a viable business idea and executing is the hardest part about creating a successful business. Clearing all of the bureaucratic hurdles and getting past all of the government red tape is the easy part, but it can be intimidating.

    By reading this guide, you ll hopefully realize that all of the rules and regulations are not that big of a deal. Start now by reading The Ultimate Small Business Guide beginning with the introduction.

    Create A Profitable Online Store!

    A completely FREE mini course on how to develop a niche ecommerce website in 5 easy steps! Learn how to find products to sell and setup your online store.

    Get the free course now!


    Sample business continuity plan template for SMBs: Free download and guide #business

    #business continuity plan

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    Sample business continuity plan template for SMBs: Free download and guide

    For small- to medium-sized businesses (SMBs), the business continuity planning process contains several steps. These include: project initiation, risk assessment, business impact assessment, strategy development, business continuity plan development, business continuity plan testing and maintenance, emergency communications, awareness and training, and coordination with public authorities. This is comparable to the business continuity process found in larger organizations except for the fact that for SMBs, the business continuity planning process can be simplified, depending on the size and complexity of the organization.

    For many SMBs, the above business continuity planning activities pose a formidable challenge, especially from the perspectives of time, money and resources. To make the process easier, SMBs have several options, such as business continuity planning tools and software, business continuity templates. checklists or consultants. Each of these options can create a plan and its associated elements, however, because of their simplicity, SMBs often use them to get something done quickly. And regrettably, after a plan has been developed, that’s the end of the process. Few SMBs invest in exercises to make sure their plans will work.

    In this business continuity planning guide, we’ll try and simplify this process for SMBs. We’ll start off with a more or less standard sample business continuity plan template. Read this guide, and then download our free sample business continuity plan template for smaller businesses and you’ll be well on your way to developing a successful business continuity plan.

    FREE DOWNLOAD: BUSINESS CONTINUITY TEMPLATE

    To have develop a successful business continuity plan, we recommend the following steps:

    • Make sure you have the right information. Your business continuity plan doesn’t have to be hundreds of pages long. It just needs the right information, and that information should be current and accurate. A one-page plan with the right information can be more valuable than a voluminous document that nobody can use.
    • Go to www.ready.gov (part of the Federal emergency Management Agency site) and look at the emergency plan development information available at that site. The information at ready.gov can serve as an effective complement to the template we provide in this report.
    • Standards can provide a useful starting point. Almost two dozen business continuity standards are available worldwide. In the U.S. several options are currently in use: NFPA 1600 (the current U.S. national standard), BSI BS 25999 (the British standard) and FFIEC Business Continuity Handbook (used by the banking and finance sectors).
    • Limit content to actual disaster response actions.
    • Make it happen. Once the plan is complete, exercise it semiannually it to ensure that the documented procedures make sense in the sequence indicated.
    • Be flexible. A single template may not be universally applicable to all departments and/or locations in your organization.

    Next, we’ll examine the structure and content of the template, indicating key issues to address and activities to perform.

    1. Initial data: If you have identified various people to contact in an incident, locate their contact information at the front of the plan (emergency notification contacts), so you won’t have to waste valuable seconds paging through a lengthy document.
    2. Revision control page: This page is located on the second page of the plan and it reflects your change management process.
    3. Purpose and scope: Provide details on these attributes, as well as assumptions, team descriptions, a list of terms, and other background information.
    4. Instructions for using the plan: Provide information about when and how the plan will be activated, including outage timeframes, who declares a disaster, and who should be contacted.
    5. Policy information: This is a good place to use standards documents as references.
    6. Emergency response and management: Specify situations in which the plan and response procedures are to be activated.
    7. Plan review and maintenance: Describe how often the plan is to be reviewed and updated, and by whom.
    8. Checklists and flow diagrams: Assuming a situation has occurred, have steps identified to address it; these can be in the form of checklists (useful to keep track of scheduled and completed tasks) and flow diagrams that provide a high-level view of response and recovery.
    9. Notification of incident affecting the site: Information needs to be gathered before officially declaring a disaster; this includes damage assessment data and first-hand reports from staff and first responders; convene meetings as soon as possible with key emergency team members to evaluate the facts before proceeding to a declaration.
    10. Decide on course of action: This section addresses actions to take when it becomes obvious that management needs to declare a disaster. A damage assessment can be initiated either before or after the declaration; it is up to company leadership.
    11. Business recovery phase: This section provides instructions on recovering operations, relocating to an alternate site and related activities.
    12. Appendixes: Detailed appendixes are provided at the end of the template; these include lists and contact details on all emergency teams, primary and alternate vendors, alternate work space locations, and other relevant information. It is very important to keep this information up to date.

    The process of developing a business continuity plan for SMBs is generally a straightforward process. The keys to success include defining step-by-step response and recovery procedures, validating these activities through tests, and keeping the plan up to date.

    This was first published in October 2010





    Using a business continuity plan template: A free business continuity template and

    #business continuity plan

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    Using a business continuity plan template: A free business continuity template and guide

    FREE DOWNLOAD:

    SearchDisasterRecovery’s business continuity template

    For many professionals, these steps present a formidable challenge. To make the process easier, people seek out alternatives, such as software, templates, checklists, or consultants. While each of these options can build a plan and its associated program elements, too often these tools are used to get something done quickly. Typically, the process involves some data gathering and interviewing, followed by a fill-in-the-blanks process that somehow magically creates a finished product.

    SearchDisasterRecovery.com has created a free downloadable business continuity template to assist you in your business continuity planning. Download and print out our template, and then read the step-by-step guide below to create a successful business continuity plan .

    A GUIDE TO USING OUR BUSINESS CONTINUITY TEMPLATE

    Here’s a look a the structure and content of the template, indicating key issues to address and activities to perform.

    • Initial data: If you have identified various people to contact in an incident, locate their contact information at the front of the plan, so you won’t have to waste valuable seconds paging through a lengthy document.
    • Revision management: Have a page that reflects your change management process.
    • Purpose and scope (Sections 1.1 through 1.6): Provide details on these attributes, as well as assumptions, team descriptions, a list of terms, and other background information.
    • How to use the plan (Sections 1.7.1 through 1.7.4): Provide information on circumstances under which the plan will be activated, including outage time frames, who declares a disaster, and who should be contacted on this situation.
    • Provide policy information (Section 1.7.5): this is a good place to use standards documents as references.
    • Emergency response and management (Section 1.7.6): Specify situations in which the plan is to be activated and response procedures.
    • Use step-by-step procedures (Sections 1.7.7 through 1.7.10): These are easier to follow than broad general statements such as relocate to alternate building that require considerable details to work properly.
    • Describe how often the plan is to be reviewed and updated, and by whom (Section 1.8).
    • Assuming a situation has occurred, Section 2 provides steps to take to address it; these can be in the form of checklists (useful to keep track of scheduled and completed tasks) and flow diagrams that provide a high-level view of response and recovery.
    • Information needs to be gathered before officially declaring a disaster; this includes damage assessment data and first-hand reports from staff and first responders; convene meetings as needed with key emergency team members to evaluate the facts before proceeding to a declaration.
    • Section 3 addresses actions to take when it becomes obvious that management needs to declare a disaster. A damage assessment can be initiated either before or after the declaration; it is up to company management.
    • Section 4 provides detailed instructions on recovering operations, relocating to an alternate site and related activities.
    • Detailed appendices are provided in Section 5; these include lists and contact details on all emergency teams, primary and alternate vendors, alternate work space locations. and other relevant information. It is very important to keep this information up to date.
    • Additional forms can be found in Appendix 5.7; these should be developed in advance, validated by exercising (as is the entire plan) and kept in a ready-to-use format.

    GENERAL BUSINESS CONTINUITY PLANNING TIPS

    Here’s a checklist of things to keep in mind during business continuity planning:

    • Take the process seriously. If you want to protect your business from unplanned events that could disrupt operations, create a plan. It doesn’t have to be hundreds of pages long. It just needs the right information, and that information should be current and accurate.
    • Use disaster recovery/business continuity standards as a starting point. Almost two dozen business continuity standards are available worldwide. In the U.S. several options are currently in use:
      1. NFPA 1600 (the current U.S. national standard)
      2. BSI BS 25999 (the British standard)
      3. FFIEC Business Continuity Handbook (used by the banking and finance sectors)
      4. DRII/DRJ Generally Accepted Principles (GAP)
    • Keep it simple. Less can definitely be more in this situation, unless the user is primarily a technology-based group, such as IT.
    • Limit content to actual disaster response actions. Assuming you are creating a plan to respond to specific incidents, include only the information needed for the response and subsequent recovery.
    • Make it happen. Once the business continuity plan is complete, exercise it to ensure that the documented procedures make sense in the sequence indicated.
    • Be flexible. A single template may not be universally applicable to all department and/or locations in your organization; consider other templates, software or consultants.

    The keys to a creating a successful business continuity plan are to define step-by-step procedures for response and recovery, validate these activities through periodic exercising, and maintain the plan and its various components up to date.

    More business continuity template resources

    About this author:
    Paul F. Kirvan, FBCI, CBCP, CISSP, has more than 20 years experience in business continuity management as a consultant, author and educator. He is also secretary of the Business Continuity Institute USA Chapter.

    This was first published in April 2009





    Guide to Majors in Business Management #turnkey #business

    #business management degree

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    Guide to Majors in Business Management

    Share

    Business management is a versatile field that offers opportunities for individuals with a variety of interests and skills. Talented business managers are in demand and may remain so as the global business environment becomes more complex.

    If you get along well with people, have an interest in business and technology, and have excellent communication skills, you could be a good fit for a career in this field. The ability to think critically and a willingness to work independently are important factors in determining success in business management. In addition, an enjoyment of solving complex problems and an understanding of complicated financial data are helpful.

    This guide to majors in business management will give you in-depth information about careers and degrees in business management, including what you ll learn, the expectations and requirements of a business management career, and what it may take to succeed.

    What is Business Management?

    Business management is the process of developing the strategies, plans, procedures and policies that guide a business on both a day-to-day and long-term basis. It involves coordinating human, financial and material resources to achieve organizational objectives.

    Whether you re interested in becoming an entrepreneur and launching your own business or joining a Fortune 500 firm and starting your climb up the corporate ladder, it s imperative to start your path to your business management career with a strong educational foundation.

    What Will I Learn by Obtaining a Business Management Degree?

    Majoring in business management offers a broad foundation in business basics such as accounting, budgeting, marketing, planning, hiring and leadership. When pursuing an advanced degree, you may choose to specialize in any of these areas, as well as in human resources, healthcare management or computer information systems.

    Working in teams is a mainstay of business management education and a valuable way to prepare for the real world. Your coursework may include accounting, finance, business law, economics, statistics, principles of management, organizational development and human relations. Through your business management classes, you ll be honing your problem solving, critical thinking, forecasting, project management and entrepreneurial abilities.

    Requirements to Earn a Business Management Degree

    Because business management is such a versatile career, you can choose the educational path that best prepares you to achieve your career goals.

    Associate s Degree

    Earning a two-year associate s degree in business administration or business management can offer opportunities to break into the business world. Advancement often requires a bachelor s degree, which can be pursued while working in the field.

    Bachelor s Degree

    A four-year bachelor s degree, such as a BA in Business Administration Management. may open the door to additional career options, since employers hiring for business management positions usually require a bachelor s degree at minimum. Additional education, professional certification or an advanced degree may be required to advance your career. Those interested in human resources may want to consider a Human Resources Administration minor. which could make you a stronger candidate for HR jobs.

    Master s Degree

    For top-level positions, employers may prefer candidates with advanced degrees. With an MBA in Management. an MBA in Marketing. or an MBA in Healthcare Management. you could be positioned to compete for senior-level jobs. An advanced degree typically takes an additional one to two years beyond the bachelor s level.

    Some employers may offer tuition assistance to help you obtain a master s degree while establishing yourself in your career.

    Career Opportunities in Business Management

    Business management career opportunities vary in level of responsibility, salary expectations, and education and preparation required.

    • An associate s degree may qualify you for labor relations specialist, office manager or administrative specialist jobs.
    • Positions such as business analyst. account executive, HR manager and management consultant typically require a four-year degree, such as a BA in Business Administration Management.
    • You could qualify for executive-level positions, such as chief executive officer. senior management consultant, director of operations or brand manager. with an advanced degree, such as an MBA in Management or an MBA in Marketing.

    Additional potential careers include management analyst, retail store manager, hospitality manager, human resources administrator and small business manager. Business management can be applied in areas such as organizational behavior, human resources, operations and strategic planning. You can work in a variety of industries, including manufacturing, medical and health, charities, hotels, government, chemical, computer and information systems, fashion, grocery, advertising and promotions, utilities and construction.

    Opportunities exist in the public, private and nonprofit sectors.

    With a field as varied and open-ended as business management, consider your strengths when selecting a specialization. If you enjoy dealing with people one-on-one, human resources may be a good fit. An entrepreneurial focus is suitable if you are planning on starting your own business. It is critical to research specific management roles to select a path that suits your interests.

    Expectations for a Business Management Career

    Business management majors can expect to see solid employment growth across a variety of industries in the coming years, according to federal projections. Potential salary ranges for business management professionals will vary according to several factors, including the specific industry, regional market conditions, and a candidate s educational qualifications and employment history.

    As of May 2015, the U.S. Bureau of Labor Statistics (BLS) reported average annual wages for the following management roles nationwide:

    *Please note that the hyperlinks remain updated, so the most recent salary information will be found by clicking on the job title. This information is updated every one to two years by the BLS.

    Your professional responsibilities may include supervising staff, analyzing data, planning operations and making crucial business decisions. Business managers may take care of day-to-day tasks such as hiring, training, purchasing and quality control in smaller firms. For larger organizations, formulating policy, planning for resource needs, setting overall direction and implementing strategies are some of the tasks often required of business managers.

    Because salaries vary depending on the specific position, as well as location, education and experience, prospective students are encouraged to conduct independent research to determine actual earning potential.

    Training, Other Qualifications and Advancement in Business Management

    Business management professionals need a wide variety of up-to-date business expertise to succeed and advance in their careers. Additional requirements will vary according to each individual position, but employers generally seek strong decision-making and organizational ability. Candidates for a career in business management must develop outstanding interpersonal and communication expertise, as well as creative problem-solving ability.

    After obtaining work experience, an advanced degree such as an MBA or both, business professionals may advance to positions with more responsibility and higher pay. Some graduates may pursue further study in finance, human resources, marketing, international business or computing to develop their expertise in a business specialization. For instance, labor relations specialists may be promoted to human resources directors; department managers may become operations managers; management consultants may be promoted to chief financial officers. As a business management major, you could find yourself positioned for opportunities throughout your career, up to and including the executive suite.

    Business Management Majors Offer Versatility and Opportunity

    If you re interested in making a difference in the exciting world of business, earning a business management or business administration degree is a great place to begin. A business management major provides the broad knowledge employers need, while giving you the option to specialize in many interesting and rewarding areas.

    Related Articles





    Online Course: Abnormal Psychology 101 #abnormal #psychology #online #course, #online #course #class


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    Abnormal Psychology 101

    Course Description

    Abnormal Psychology is a highly complex and fascinating field of study. The modern psychological community has made tremendous strides in better understanding, diagnosing and treating abnormal disorders of the mind compared to centuries and even decades ago. While there is still much stigma attached to this branch of mental illness, it is less so than in the past. This course will introduce you to the many faces of abnormal psychology. It will discuss old and new ideas surrounding this branch of psychology and will offer general information about how abnormal psychologists and psychiatrists identify and treat these types of mental illnesses.

    There are fifteen comprehensive lessons written in an easy to follow, informative manner. The end of each lesson will provide you with multiple summary review questions as well as an assignment so that you may effectively test your new found knowledge. We encourage you to use these self-test questions to determine whether you are ready to move on to the next lesson or if you should review portions of the preceding lesson before taking the next step. Do not rush yourself. Take the time to read all portions of the lessons and complete the exercises and self-tests.

    There is a comprehensive bibliography at the end of the course which lists all texts and Web sites used as reference materials in the creation of this course. It is a valuable resource in finding more in-depth information on specific topics that are beyond the scope of this course.

    Whether you are considering an education or a career in abnormal psychology or if you are simply interested in learning more about this fascinating field of study, this course will introduce you to a better understanding of the intricacies of the human mind and the ever evolving study of Abnormal Psychology.

    Lesson 1: Introduction to Abnormal Psychology

    This lesson will provide information about these topics, so that you have a clear idea of what abnormal psychology is, and how it differs from other branches in the field.

  • Lesson 2: History of Abnormal Psychology

    Views, treatment, and understanding of mental illness has changed drastically throughout the ages.

  • Lesson 3: Overview of Abnormal Psychology Types

    This lesson will introduce you to the major categories of mental and emotional illnesses. You will be briefly introduced to definitions, symptoms, and some causes of the most common mental and emotional illnesses.

  • Lesson 4: Anxiety Disorders Up Close

    In this lesson, you will be given definitions of the many sub-categories, or sub-types, of anxiety disorder.

  • Lesson 5: Eating Disorders Up Close

    In this lesson, you will be given definitions of the sub-categories of eating disorder.

  • Lesson 6: Mood Disorders Up Close

    In this lesson, you will be given definitions of the sub-categories of mood disorder.

  • Lesson 7: Personality Disorders Up Close

    In this lesson, you will be given definitions of the many sub-categories of personality disorder.

  • Lesson 8: Schizophrenia Up Close

    Since schizophrenia does not have any sub-types, in this lesson you will learn more about schizophrenia.

  • Lesson 9: Sexual Disorders Up Close

    In this lesson, you will be given definitions of the many sub-categories of sexual disorder.

  • Lesson 10: Delusional Disorders Up Close

    In this lesson, you will be given definitions of the many sub-categories of delusional disorder.

  • Lesson 11: Substance Abuse Disorders Up Close

    In this lesson, you will be given definitions of the sub-categories of substance abuse disorder.

  • Lesson 12: Dissociative Disorders Up Close

    In this lesson, you will be given definitions of the sub-categories of dissociative disorder.

  • Lesson 13: The Personal Impact of Living with Mental Illness

    Living with a mental illness is, indeed, a very difficult and stressful prospect.

  • Lesson 14: Treatment Options for Abnormal Mental Illnesses

    The use of diet, exercise, and supplements has gained in popularity in recent years. It has been shown to help with mental illness, and the only side effects are a healthier mind and body.

  • Lesson 15: New Discoveries and Hope in Identification and Treatment

    New research shows that those with mental illness have different brain chemistry and genes than those who do not. These findings are helping scientists discover new ways to treat, and cure, a large variety of disorders.

  • Lesson 16: In Closing

    The first step to getting help is admitting there is a problem, and then seeking assistance in treating the problem. Bibliography and websites.

  • Additional Course Information

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

    Course Title: Abnormal Psychology 101

    Course Number: 7550522

    Learning Outcomes

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

    • Describe what abnormal psychology is.
    • Know the history of abnormal psychology.
    • Recognize abnormal psychology types.
    • Identify anxiety disorders up close.
    • Identify eating disorders up close.
    • Identify mood disorders up close.
    • Identify personality disorders up close.
    • Identify schizophrenia up close.
    • Identify sexual disorders up close.
    • Identify delusional disorders up close.
    • Describe substance abuse disorders up close.
    • Describe dissociative disorders up close.
    • Know the personal impact of living with mental illness.
    • Identify treatment options for abnormal mental illnesses.
    • Recognize new discoveries and hope in identification and treatment, and
    • Demonstrate mastery of lesson content at levels of 70% or higher.

    Student Testimonials

    • “I loved working with the instructor. He was present with me throughout the course. He gave me feedback that truly challenged me and changed my approach to studying and delivering my findings in the exams. Being out of school for over 25 years, it was nice to have his feedback put simply, yet directly.” — Lisa M.
    • “Original Course, complex subject made easy. Informative material, easily presented. Instructor very prepared, present and kind.” — Barbara Z.
    • “I found the explanation and breakdown of the disorders to be very helpful. Although I had previously taken a Psychology class, I enjoyed learning further information about the abnormalities of the mind, how they work and ways to treat them. The most helpful part, however, was learning of these disorders, information about them and treatment. I have encountered people in my life with bipolar disorder, as well as clinical depression. I have never quite understood the disorders or what their treatment options. Now I can finally understand and carry a conversation with them regarding their condition.” — Marianna P.
    • “I enjoyed the whole course very much. I have no faults. A great instructor and would definitely like to do another course with him in the near future.” — Sarah P.
    • “I enjoyed the whole course and have learned so much from it.” — Janice S.
    • “I work in Detentions and am a Crisis negotiator so I found all of it quite helpful especially since most of the Mental Health Beds have gone away in Colorado and we are seeing more Mental Health in the Jails.” — Cheryl G.
    • “Good and courteous instructor and patient. ” — Manfredt C.
    • View More Testimonials.

    Related Courses


    How To Start An Online Business – The Ultimate Guide To Making

    #start online business

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    How to start a successful online business

    PASSION IS NOT ENOUGH.

    How do I get started?

    Repeat after me:
    PASSION IS NOT ENOUGH

    Most “experts” teach you that once you find your passion, you’ll magically become wealthy.

    I don’t have to tell you that this plan is missing a few vital steps, such as an actual plan. Before you invest your time and energy creating an online product, ask yourself these questions:

    • How do I know which idea will be most profitable?
    • Will people actually pay?
    • How do I bring in traffic and buyers?
    • What can I do to set my business on autopilot, so it runs on systems instead of on my (limited) time?

    Step 2

    Solve the right problem (it’s probably not what you’d expect)

    I asked readers, “What excites you about starting an online business?” Over 1,000 readers responded with ME-FOCUSED responses about what they wanted from an online business.

    OK, we all want something for our work, whether it’s extra money, more free time, or the ability to be our own boss and give ourselves vacation days when the weather’s nice.

    But what about your customers?

    Nobody will ever give you money to solve your problems. but they’ll love you and happily pay you if you help them solve theirs. And by focusing on them, you’ll immediately stand out in a sea of online businesses that are only looking out for themselves.

    What would happen if you said, “I’m really good at helping my friends with their relationship problems. I don’t want to just help people 1-on-1…I want to help THOUSANDS of people.” Or “I love helping people get in shape. I want to help as many people get fit as possible.”

    It’s a huge psychological shift.

    Once you’ve identified something you believe in, you need to know what idea people will pay for, how much to charge, and how to sell it without being sleazy.

    It starts with figuring out what kind of online business you want.

    Which online business ideas work best?

    When you’re starting an online business, it’s easy to get overwhelmed by tactical minutiae. Should you create software, a physical product, a coaching system, or something else? How do you choose the right software, create your website, figure out drop shipping, and accept payments?

    But when you drop what doesn’t work I spent years figuring this part out you’re left with 6 main options for an online business. I’ve systematically tried them ALL over almost a decade, and I’ll let you know exactly which ones are good and bad.

    Your 6 options for starting an online business are software (including apps), physical products, ads, affiliate marketing, coaching, and online courses. And they aren’t all created equal.

    Coaching is the single-best way to start learning business skills.

    Many people don’t even think they can launch an online business. Then hold themselves back by saying things like, “I’m not an expert at personal finance, finding a dream job, or [fill in the blank].”

    “I don’t know anything people would pay for!”

    Are you sure? Unless you’ve actually tested your idea, the answer is “no.”

    “But Ramit, my idea’s too weird/dumb! Nobody would ever pay to learn about it.”

    I used to think that, too, until I discovered how many other weird people are out there. Here are just 3 profitable courses I’ve seen in the past year:

    • Toilet Trained Cat. Train cats to use the toilet. Revenue from books and courses.
    • Hear and Play. Learn to play piano by ear, without sheet music or years of lessons. Revenue from courses.
    • The Ultimate Disney World Savings Guide. Vacation at Disney World for half price. Revenue from ebooks.

    Do these seem like ideas for normal, successful products? Of course not. These people simply found something they’re good at, then tested the market to see if other people were willing to pay for their knowledge.





    Communications Guide: How to Improve Your Communication Skills #business #news #articles

    #business communication skills

    #

    A Crash Course in Communication Need a quick refresher on effective interpersonal interaction? Two communication experts offer 12 steps to smoother conversations. Lost in Translation Thanks to e-mail, BlackBerrys, and text messaging, the face-to-face encounter is becoming a dying art. Here’s why you should revive it. The Power of Listening How does an old-line manufacturer in a stagnant industry manage to grow 25% a year for 10 years? By taking its employees seriously. Do as I Say: Quick Tips for Masterful Communication Tired of doing all the talking and not having your message get through to your staff? Try these suggestions to improve your leadership communication skills. Just Listen to Yourself Tape yourself to better understand your communications style. Powerful Questions Can Have a Powerful Effect Questions can be one of the most effective communication tools available to us. Do you use questions enough in your day-to-day interactions? When Do You Lie? Strategies For More Authentic, Respectful Communication Lies come in all shapes, sizes and colors. (Ever heard of flat-out, teensy or white lies?) This article focuses on when it’s appropriate, if at all, to lie. 10 Tips for Communicating Change Transition is inevitable, but exactly what you say and how you say it can make a major impact on how change is handled in your company. How to Motivate Employees Kevin Plank, founder of Under Armour, says it is vital to maintain regular face-to-face communication with employees even as a company expands. The 4-1-1 On Constructive Criticism Being critical is easy, and offering criticism seems easier still. Yet constructive criticism – – the more refined and effective brand of critical feedback – – is like an art. Lost in the Translation Tips on communicating with employees who don’t speak English.
    How to Say You’re Sorry Apologizing is part of doing business. But do it wrong, and you’ll really be sorry. Tips on Becoming a Good Conversationalist In this excerpt from How to Work a Room: The Ultimate Guide to Savvy Socializing in Person and Online learn tips for becoming a talk target — someone with whom it is easy to make conversation.
    10 Tips for Successful Networking Keith Ferrazzi needs two PalmPilots to keep track of all his contacts, people like Bill Clinton and Michael Milken. But there’s far more to cracking the inner circle of the power elite than just taking names.

    Powerful Presentations Small-business columnist Rhonda Abrams shares nine strategies for giving powerful presentations. Reinventing the PowerPoint New tech tools to liven your tired old PowerPoint presentations–and give your online marketing efforts a boost. Perfecting Your Pitch Check out these tips from entrepreneurs and business experts on creating pitches that can help you raise capital. More Power Than Point PowerPoint (or “presentation software”) has become the lingua franca of American business. It’s also become the problem with American business. Best of the Net: Power Brokers When it comes to presentation software, most users agree there’s one clear standard. We’ve found some Web-based resources to help you make your point. Captivate Audiences with Powerful Presentations Do you want your speeches to pack a punch? Professional speaker and speech consultant Patricia Fripp offers ideas on humor, movement, and vocal techniques. Short and Sweet: Mastering Quick Presentations Called on to make a brief speech? Professional speaker and speech coach Patricia Fripp offers tips for saying what you want, short and sweet. Present Before You Propose Improve your presentation by saving handouts until the end. Finding the Perfect Pitch Watch three rookies gear up for the investor presentation of a lifetime. The Seven Habits of Highly Effective Presenters Entrepreneurs learn pretty quickly that making a verbal pitch to investors is very different from submitting a written business plan. Here are seven good practices gleaned from a venture-capital boot camp. Elements of a Winning Pitch A presentation to potential investors in your business — to family, friends, or angels — should include most of these elements.

    Escape From Meeting Hell It’s time for another soul-sapping, oxygen-depriving, time-wasting, mind-numbing company meeting. Or is it? We offer 15 clever solutions to the problems with most meetings. Meetings Go Virtual Web conferencing and other collaboration technologies — tools that help people work with one another through their computers — have become more available and affordable. This is a boon for smaller companies whose only previous collaboration option was to gather workers in a room with coffee, donuts and a whiteboard. Meetings 101: Was That a Good Meeting, or a Bad One? Five simple factors that help ensure every meeting is a good meeting. Tools for Boosting Communication Effectiveness Tips on how to boost the effectiveness of communication in meetings, during change initiatives, and in interviews. Advice on Getting the Most Out of Meetings Keith Lamb shares some advice on getting the most out of your meetings. Cure the Sick-Meeting Ills Ineffective meetings may be wasting time and lowering morale. Two communication experts offer seven strategies for dramatically improving your meetings. How to Manage Meetings More Effectively A look at companies that hold unique meetings for developing products, building camaraderie, generating ideas, and reviewing employees’ needs and achievements.

    Writing and Organizing a Winning Speech Public speaker and speech consultant Patricia Fripp suggests following one of two basic outlines for your speech. She also offers speechwriting tips. Polishing and Rehearsing for a Perfect Presentation You’ve written a speech, but there’s still work to do before delivering it. Patricia Fripp gives six suggestions for making sure your speech hits home along with several ideas on effective rehearsing. Deliver a Stellar Speech Powerful presentations happen when you check out the room in advance and work to connect with the audience when talking. Patricia Fripp offers ideas for ensuring that what you say is a smashing success. No More Pre-Speech Jitters From virtual reality therapy to positive visualization, we’ve got relaxation techniques to help offset your fears of public speaking. Free Speech Preparing for a big speech? Resources on the Web can help.

    Work through Writer’s Block Need help working through some written projects? Two communication experts offer eight tips for clear and effective writing. Writing Well on the Web Content is king. Here are easy ways to make your website more reader-friendly. Polish Your Prose Poor grammar and punctuation in proposals and reports could cost you business. How to Blog The trick, say experts and longtime bloggers, is restraint. “For marketers, it’s about being more authentic, which is so ironic,” says one analyst.
    How to Drive Traffic to Your Company’s Blog Driving traffic to your small business’ corporate blog takes equal parts old-fashioned marketing and contemporary Web tools.

    Troubleshooting

    Are You Assertive or Aggressive? Assertiveness is the skill that tops the list for success or failure in any workplace situation. Learn how to be more assertive — not aggressive — and apply it to your interactions. Get Your Point Across without Being Rude Is your communication style a little rough around the edges? Here are five techniques for saying what you mean without making enemies in the process. Communicating When People Leave You Speechless Improved communication is a nice idea, but can it work in the real world? Take a look at these real-life business issues and suggestions for better communication that may lead to better business.