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

#business analyst

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

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

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

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

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

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

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

Me: See what?

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

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

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

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

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

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

What are Transferable Business Analyst Skills?

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

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

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

But What Business Analyst Qualifications Are Transferable?

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

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

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

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

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

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

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

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

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

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

Find Your Path Into a Business Analyst Career

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

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

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

Stay informed about new articles and course offerings.




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

#international business jobs

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What Can I Do with My International Business Major?

Overview

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

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

Skills

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

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

Where are Georgetown International Business Majors Now?

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

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





Business – What Should I Use as My Business Address? #buy #business

#business address

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What Should I Use as My Business Address?

Q: I m in the process of creating a business plan for a homebased business that I would like to start. I will be selling products like T-shirts and novelty items. But I have come to a point in the business plan that has me stumped. The problem is, I live in an apartment. What if a customer wishes to return an item that they purchased from me? How unprofessional would it be to have a return address listing an apartment?

A: You re right–creating a professional image from the get-go is important, and it can be particularly challenging for homebased entrepreneurs. Nowadays, people are much more accepting of the idea of operating a business from home, but it s taken some time for everyone to get past the stereotypical image of the homebased entrepreneur waltzing around the house in bunny slippers and making frequent visits to the refrigerator. Still, it pays to give yourself every advantage in starting a business, so it pays to look as professional as possible.

Deciding whether to use your home address for business purposes is a matter of what that address is. Something like 1114 Grove Ave. sounds perfectly fine, but, as you indicate, something like 1114 Grove Ave. Apt. 4, probably doesn t. Luckily, there are solutions. Since you ll evidently be doing some heavy shipping and perhaps dealing with returns, consider using a mail-receiving service, such as Mail Boxes Etc. These services provide you with a street address and a suite number rather than a post office box number (which some people perceive as questionable in itself). They ll also generally just save you a lot of headaches, handling everything from packing and shipping to package tracking. Shop around in your area for a service that s conveniently located to your house and reasonably priced.

You should also think about how you re going to handle mail on a daily basis. Set up a system, and stick to it. Otherwise, before long you ll find yourself buried in paperwork, with a long list of angry customers to deal with. Designate an area in your home office just for mail-related tasks, whether it s incoming or outgoing mail. In your case, it might be best to set up a large table where you can sort and process mail and prepare items for shipping. Don t just use your desk–with all the other business-related paperwork that goes along with running a home office, you don t want to mix and mingle. And pick a time when you ll be able to deal with mail every day–whenever it s most convenient and won t interfere with any other pressing activities.

When sorting through incoming mail, try to handle each piece of mail only once rather than looking at it and setting it aside to deal with later. Separate things into piles based on their priority–for example, items to be filed, items that need immediate action and items to be trashed. Then take care of each pile–and move on to something else.

In addition, consider setting up an e-mail account where customers can send you their inquiries electronically. This will cut down on excess mail and phone calls. Just remember to be diligent about checking your e-mail and responding to inquiries in a timely manner.

In time, you ll have your system down to a science and you ll be able to do it in your sleep. And that can only mean satisfied customers who will provide you with repeat business.

The opinions expressed in this column are those of the author, not of Entrepreneur.com. All answers are intended to be general in nature, without regard to specific geographical areas or circumstances, and should only be relied upon after consulting an appropriate expert, such as an attorney or accountant.





How can I report duplicate business pages? #business #reports

#business pages

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How can I report duplicate business pages?

A business location should be listed only once on Yelp. If a business has multiple locations, each individual location should be listed separately (although there may be exceptions – for example, a food truck that appears in different parts of town on different days can have a single business page). If you notice that there are multiple pages on Yelp for the same business location, you can let us know by submitting a report.

Yelpers Business Owners

From the website (www.yelp.com)

1. Find the business page
2. Click the Edit link:

3. Check the This is a duplicate of another business on Yelp box at the bottom
4. Provide your email if you’re not logged in to a user account
5. Provide a link to the duplicate business page(s) and any further information
6. Click Submit Changes

From an iPhone

1. Find the business page
2. Tap the More Options icon:

3. Tap Edit Business
4. In the Notes field, let our moderators know that the page is a duplicate
5. Tap Done
6. Tap Submit

From an Android

1. Find the business page
2. Tap the Overflow Menu:

3. Tap Edit Business
4. In the Notes field, let our moderators know that the page is a duplicate
5. Tap Done
6. Tap Submit





Why Should I Incorporate My Business or file an LLC? #small #business

#incorporating a business

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Why Incorporate ?

Choosing how a business is organized may be one of the most important decisions a business makes. Incorporation may be the wisest decision, but for some, it may be an unnecessary decision, and so each business should carefully assess the benefits (and challenges) of incorporation before moving forward. With that said, the greatest benefits to incorporation can be summarized into the 3Ls: Life, Liquidity, and Liability. Let’s start with Life.

Life

The best way to understand a corporation is to imagine it as a separate artificial person (with limited rights and privileges). Incorporating a business is essentially creating that separate person thereby making the business separate from the owner (in a sense, the business has a life of its own). As a separate entity, the corporation exists independent from the shareholders/owners and its employees. Regardless of what happens to the shareholders, or the directors, or the employees, the corporation itself continues to exist in perpetuity until a time the directors and shareholders decide to dissolve a corporation. In a sole proprietorship or general partnership where the owner(s) is the business, what affects the owner may affect the business. Any personal debt or liability of an owner or partner allows the creditor(s) to pursue the assets of the business whether or not the debt or liability has any relation to the business itself. Furthermore, personal bankruptcy of an owner or partner will directly impact a business by opening up its assets to any creditors the owner or partner is liable to. By incorporating a business. the personal finances of an owner or partner remains separate from the finances of the corporation and allows the business to continue without disruption. In the event of an unfortunate death of an owner or partner, the business is generally dissolved regardless of the wishes of the owner or partner(s). All of this could easily be avoided by incorporating the business as a separate entity.

Liquidity

As much as we believe that all owners of a business should remain forever committed to the success of the business, there may be times when an owner or partner will need to leave the business. Regardless of the reasons for leaving the business, incorporation allows the free transferability of interest from one person to another. Generally in a partnership, a partner cannot transfer his/her interest in a business to another without the express consent of all other partners. If a partner still decides to leave the partnership against the will of the other partners, the partnership is automatically dissolved. Incorporating a business removes this limitation by allowing shareholders/owners to freely transfer his/her interest to another without the unanimous consent of all other shareholders. Small businesses may see the restrictions against transferring shares as a good thing and may want to control how a shareholder may transfer his/her interest and to whom. Incorporation allows this flexibility as well. The free transferability of shares is a default rule, but by no means is it mandatory for all incorporated businesses. Businesses have the option to place restrictions on the transferability of certain shares and so even if this benefit of liquidity may be seen as a detriment to a business, incorporation lets the business decide whether or not to take advantage of this option. More importantly, unlike a partnership, incorporation prevents the ability of a minority shareholder from dissolving a business without cause.

Liability

One of the greatest benefits for incorporation is its limited liability against the shareholders. As mentioned above, any debt or liability against a specific shareholder remains separate from the corporation. Likewise, the inverse is similarly true. Any debt or liability against a corporation does not open the doors of shareholders’ assets to the creditor(s). The shareholder’s liability in any corporate debt or liability is limited to what the shareholder invested (unless there is fraud). In a sole proprietorship or general partnership, the owner(s) and/or general partners remain completely liable to any debt or liability placed against the business. If a business is unable to pay a debt, the creditor can attack the assets of an owner or partner until the debt is satisfied. In a corporation, a creditor can only attack to the extent the shareholder invested into the corporation (unless there is fraud). This allows the corporation to make business decisions without the risk of endangering the personal assets of its shareholders beyond what was invested. Risk is a necessary element to a successful business. Anything that minimizes the risk to investors makes the business more attractive, and so the limited liability of an incorporated business is quite valuable.

Taxes

The major detriment to incorporation is the taxes involved. In a sole proprietorship or partnership, the taxable income of the business flows directly to the owner and/or partners and are taxed based upon the individual’s income tax bracket. However, because the corporation is considered a separate entity, the taxable income of a corporation is taxed first under a corporate tax. If the corporation decides to distribute the remaining income to the shareholders, that income is taxed once more based upon the individual’s income tax bracket (essentially, a double-taxation). The marginal tax rate for a corporation can be significantly higher than the marginal tax rate for a sole proprietorship. Although this characteristic of incorporation may deter a business from incorporating, small businesses can avoid this double-taxation by taking advantage of the options given to a corporation by the states. Some options include incorporating as an S-corporation (see below) or filing as a Limited Liability Company (LLC) (see below). These options allow the taxable income to flow directly to the shareholders/members without being taxed twice, while at the same time, maintaining the benefits of incorporation. The 3Ls are important benefits, but not the only benefits. There’s also something psychologically beneficial about incorporating that goes beyond the number crunching and legal issues involved. Incorporation may seem to be a daunting task, but it is also an exciting moment in the life of a business. First conceived through an idea, a business can be birthed at the point of incorporation. No longer will it simply be an idea or something intangible, but an actual and existing entity. Sometimes this psychological step of seeing the business as something real will further motivate and inspire you to bring greater success to your business.

Reduced Chance of Tax Audit

Sole proprietors tend to be more likely to file incorrect returns (many are self-prepared). and tend to under report revenue or over report deductions. For these reasons, the IRS has audited a much higher percentage of sole proprietor tax filings than corporate filings in recent years. In tax year 2006, a Schedule C filer stood a 1 in 32 chance of being audited. For non-business filers, the odds were around 1 in 124. This means that sole proprietors are significantly more likely to be audited.

Build Credibility

Distinguishing yourself from the competition by establishing a professional identity helps increase credibility with your customers. Most businesses choose to incorporate a business to prove their legitimacy to both customers and suppliers. Adding “INC.” or “LLC” after your business name gives you the credibility and professionalism that many customers are looking for.

You could file all the necessary incorporation documents yourself. However, when you consider the time involved for filing, administering, and maintaining all the documents necessary to keep your business running legitimately. why would you? Let us help you get it done, so you can get back to business!

  • Forming a business with MyCorporation is a cost-effective way to protect personal assets and gain potential tax savings.
  • Our incorporation services start at just $69 (plus required government fees).
  • Lawyers charge, on an average, over $200 per hour. With our document filing services. you’ll know exactly what you are getting, and how much it costs from the very beginning.

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I want to be a dog walker #sell #my #business

#dog walking business

#

I want to be a dog walker. What will my salary be? Add to.

Job: Professional dog walker

Role: Dog walking is no day at the park. The role of a professional dog walker comes with a lot of responsibility, and requires relationship building with both pets and their owners. That is because dog walkers are often given access to their clients’ homes, and trusted with the care of their beloved animals. Doing so requires keeping a close eye on their pet at all times, which can be difficult when walking more than one dog at a time.

“I treat the dogs like my children,” said Jon Chaisson, the owner of Busters Dog Walking Co. in Toronto and chairman of Professional Dog Walkers Canada, a non-profit organization that provides resources for commercial dog walkers.

“When I go to the park, I’m making sure they’re not pooping [in inappropriate places], and if they are I’m picking it up, making sure they’re not misbehaving, doing inappropriate things. I have to watch out for things they’re not accustomed to, like some may not be friendly around smaller children, so I need to keep them away from smaller children.”

Salary. The salary of a dog walker will depend on how many clients they have, whether they are self-employed or work for a company, and the level of service they are providing. Dog walkers typically charge between $15 and $25 per dog a day for their services, and in an industry heavily dependent on word-of-mouth, salaries typically grow along with reputation.

As such, Mr. Chaisson predicts that starting salaries can be as low as $15,000 a year, as beginners often need to charge less in order to attract their first few clients. As they build their client base and renegotiate their fees, however, that salary can skyrocket with time.

“You can make $100,000 a year, but it’s a lot of work,” he said, adding that many well-established professional dog walkers make around $80,000 per year, but only if they’ve received positive references, built a large client base and are working as many hours as possible each day.

Education. While there are no educational requirements for commercial dog walkers, some municipalities enforce strict licensing standards. In the City of Toronto, for example, dog walkers need to obtain a $250 commercial dog walker permit in order to walk more than three dogs at a time (with a maximum of six), all of which must be on a leash unless in one of the city’s designated leash-free zones. Licensing laws vary between districts in Vancouver, where the price of a permit ranges from $350 in West Vancouver to $830 for a licence obtained in North Vancouver for businesses located outside of that district.

“It’s unique to big cities right now,” Mr. Chaisson said.

Obtaining a permit typically requires dog walkers to have liability insurance – at a cost of about $600 a year – and file taxes as registered businesses.

Dog walkers are also encouraged to get pet first aid and pet training certification, which can provide added credentials and allow them to charge more for their services, though it is not a requirement.

Job prospects: There is no shortage of dog lovers in Canada, many of whom need a little help taking care of their pets. The barrier to entry as a professional dog walker is quite low, but landing those first few clients can be difficult.

“It’s better if you can meet up with other dog walkers, start networking, and then they will refer people to you,” said Dianne Eibner, owner of Jog-a-Dog and founder of the Professional Dog Walkers Association International, which later became Professional Dog Walkers Canada. “That’s probably your best bet if you’re starting out; get to know other dog walkers who would be willing to refer you.”

Ms. Eibner adds that well-established dog walkers often reach their maximum capacity, and are typically willing to refer new clients to other dog walkers they trust.

Challenges: The biggest challenge dog walkers face in the great white north is undoubtedly the cold weather, which can make the job unbearable during the winter months.

“The winters can be hell, but you dress in layers and take the dogs out for shorter walks, because they do freeze as well,” Mr. Chaisson said.

Ms. Eibner, who is also the author of The Face in the Window – A Guide to Professional Dog Walking , adds that those who work as sole proprietors or run their own dog walking businesses also take on a lot of risk.

“It isn’t the most secure occupation,” she said. “If our client gets laid off from their work, we get laid off too.”

Why they do it: While the winter months make the outdoors the least pleasant aspect of the job, Mr. Chaisson says the opposite is true in summer. “You get to hang out in the sunshine all day while everybody else is stuck inside in their stuffy jobs,” he said.

Furthermore, since many professional dog walkers work as sole proprietors or owners of their own business, they often get to set their own hours and pay.

“I’m able to work only three or four hours a day, and get a full day’s pay,” Mr. Chaisson said. “For six hours a day you can be making upwards of $80,000 to $100,000 [a year] if you really want to put work into it.”

Ms. Eibner adds that most dog walkers simply love spending their time caring for and playing with dogs.

“I love my job, I love hanging out with dogs,” she said. “It’s almost not like a job, but I treat it like a job – you have to on the business end of it – but other times I’m rolling around on the ground with them, that’s the part I enjoy.”

Misconceptions: Mr. Chaisson says that many people believe it’s an easy job, failing to comprehend the level of responsibility that comes with the role.

“You have to be fully aware that these are other people’s property,” he said. “It’s like a daycare; you constantly have to watch over the dogs as if they were your own.”

Ms. Eibner adds that some dog walkers have given the rest a bad name, and that people make assumptions based on a few bad apples.

“Unfortunately, there have been such incidents where a dog walker has caused problems for other people and park users,” she said. “It’s not pleasant when we are deemed guilty by association if or when one dog walker is seen not picking up after their dogs.”

Want to read more stories from our Salaries Series? Find more here .

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How can I report duplicate business pages? #franchise #business

#business pages

#

How can I report duplicate business pages?

A business location should be listed only once on Yelp. If a business has multiple locations, each individual location should be listed separately (although there may be exceptions – for example, a food truck that appears in different parts of town on different days can have a single business page). If you notice that there are multiple pages on Yelp for the same business location, you can let us know by submitting a report.

Yelpers Business Owners

From the website (www.yelp.com)

1. Find the business page
2. Click the Edit link:

3. Check the This is a duplicate of another business on Yelp box at the bottom
4. Provide your email if you’re not logged in to a user account
5. Provide a link to the duplicate business page(s) and any further information
6. Click Submit Changes

From an iPhone

1. Find the business page
2. Tap the More Options icon:

3. Tap Edit Business
4. In the Notes field, let our moderators know that the page is a duplicate
5. Tap Done
6. Tap Submit

From an Android

1. Find the business page
2. Tap the Overflow Menu:

3. Tap Edit Business
4. In the Notes field, let our moderators know that the page is a duplicate
5. Tap Done
6. Tap Submit





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

#franchise loans

#

Franchise Banks

whichfranchise Finance

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

Enquire about funding a franchise

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

Funding a franchise advice

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

Franchise business plan

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

IN ASSOCIATION WITH

Find out how much money you can borrow

Ask the finance expert

Richard Holden – Lloyds Bank

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

Cost of a franchise

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

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

How to approach a bank for finance

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





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

#franchise loans

#

Franchise Banks

whichfranchise Finance

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

Enquire about funding a franchise

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

Funding a franchise advice

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

Franchise business plan

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

IN ASSOCIATION WITH

Find out how much money you can borrow

Ask the finance expert

Richard Holden – Lloyds Bank

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

Cost of a franchise

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

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

How to approach a bank for finance

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





I – m Too Busy! #cool #business #names

#busy

#

TRANSFORMING PERFORMANCE

TRANSFORMING PERFORMANCE

TRANSFORMING PERFORMANCE

I m Too Busy!

Have you found yourself saying ‘I’m Too Busy’ recently. I mean it happens to everyone right? There genuinely are times where you have too much to do and find yourself suddenly realising it is 4.30pm and you haven’t stopped for lunch, or it’s 9pm and you can’t finish for another few hours yet.

However, I do believe that often ‘too busy’ is a myth we create in our own minds. It is all about priorities, and taking a longer term approach. For example, I was speaking to someone last week who was ‘too busy’ and an hour later they popped up on Facebook for 20 minutes taking about something and nothing (non business related). The same person later in the day was tweeting about Pokémon Go hunting.

If you have time for Pokémon then great (and actually it is a genius idea for getting kids off their Xboxes and doing some exercise – going round the streets on a Pokémon hunt). However, in some cases Pokémon has literally taken over people’s lives – there have been reports of people crashing their cars, breaking into houses and walking into rough seas, while chasing Pokémon.

You might think it is really stupid to let Pokémon take over your life in a way that threatens your health but maybe your business is YOUR Pokémon? Maybe your business is taking over your life. You might be looking at Pokémon and thinking – Why? Your husband/wife/partner/kids/family member or friends might be looking at you over-working in your business and think Why?

Are you in the position where you are not making your boat go faster despite all your hard work, where the only thing going faster is your life. Would you like to know how to get your business running as brilliantly as Nintendo (50% rise in share price in a week is not bad!).

What you will get

  • 30 minutes devoted to working ON and not IN your business
  • At least 2 ideas you can take away and implement immediately
  • A clear plan of what to do next to delete some ‘busyness’ and be more effective in your business

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

    #franchise loans

    #

    Franchise Banks

    whichfranchise Finance

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

    Enquire about funding a franchise

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

    Funding a franchise advice

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

    Franchise business plan

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

    IN ASSOCIATION WITH

    Find out how much money you can borrow

    Ask the finance expert

    Richard Holden – Lloyds Bank

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

    Cost of a franchise

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

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

    How to approach a bank for finance

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





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

    #business analyst

    #

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

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

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

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

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

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

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

    Me: See what?

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

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

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

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

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

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

    What are Transferable Business Analyst Skills?

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

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

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

    But What Business Analyst Qualifications Are Transferable?

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

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

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

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

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

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

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

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

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

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

    Find Your Path Into a Business Analyst Career

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

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

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

    Stay informed about new articles and course offerings.




    What type of accounts should I use for ATM businesses cash flow?

    #atm business

    #

    Back to search results

    What type of accounts should I use for ATM businesses cash flow ?

    I use the cash accrual accounting style for my ATM business. I cycle cash through my ATM’s that I have entered into my QB as owners equity originally. I am wanting to balance the checking account. When that money cycles back through to my bank account and gets electronically deposited what is it considered? Is it an “other assett” or what? Then when I withdrawl to load machines again what type of account should I use for the withdrawls, a “short term liability” account? I really need some clearity.

    You might say the cash is my reaccuring supplies.

    Why do you want to report this?

    I think I am tracking with Mistyblue. I have the income account for the surcharge fees that users of the machine owe me. The expense account for any fees for the particular bank where my money is cycled through. But what about the ST liability account. are you saying use this account type for the electronic deposits from user’s of my machine’s back to my account and use it for my withdrawls to load back into my machine. I thought I would need a “plus” and a “minus” sort of set up with the accounts?

    Recommended Answer

    2 people found this helpful

    This is how I have done this: I’ve set up a bank account for the ATM in qb as well a income account and I used a short term liability account. Of course a bank service charge account for the ATM.

    The short term liability account is the cycle account (withdraw and well as put back) – The income part I separate to its own income account. This way tracking income, expense, and your main cycle account. Which bottom line each rec balances. Note: I would check as well with your accountant on according to your area on sales tax requirements.

    Was this answer helpful? Yes No

    I think I am tracking with Mistyblue. I have the income account for the surcharge fees that users of the machine owe me. The expense account for any fees for the particular bank where my money is cycled through. But what about the ST liability account. are you saying use this account type for the electronic deposits from user’s of my machine’s back to my account and use it for my withdrawls to load back into my machine. I thought I would need a “plus” and a “minus” sort of set up with the accounts?

    1 additional answer

    No answers have been posted

    This post has been closed and is not open for comments or answers.

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    People come to QuickBooks Learn Support for help and answers we want to let them know that we’re here to listen and share our knowledge. We do that with the style and format of our responses. Here are five guidelines:

    1. Keep it conversational. When answering questions, write like you speak. Imagine you’re explaining something to a trusted friend, using simple, everyday language. Avoid jargon and technical terms when possible. When no other word will do, explain technical terms in plain English.
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    Ask your question to the community. Most questions get a response in about a day.

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

    #business partner

    #

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

    CEO Founder, Deborah Mitchell Media Associates

    September 24, 2014

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

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

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

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

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

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

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

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





    How Does a Bail Bond Work? Texas Bail Bonds #can #i #bail


    #

    How Does a Bail Bond Work?

    When an individual is arrested for a crime in the State of Texas, typically that person will be taken to a local law enforcement station for booking, prior to incarceration in a station lock-up or county jail. Once arrested and booked, the defendant has several options for release pending the conclusion of his or her case. Bail is designed to guarantee the appearance of a defendant in court at the time directed by the judge.

    What are the release options if someone is arrested?

    There are three basic release options available. The three options are:

    An alternative to cash bail is a surety bond. This process involves a contractual undertaking guaranteed by an admitted insurance company having adequate assets to satisfy the face value of the bond. The bail agent guarantees to the court that they will pay the bond forfeiture if a defendant fails to appear for their scheduled court appearances. The bail agent’s guarantee is made through a surety company and/or by pledging property owned by the bail agent.

    For this service, the defendant is charged a premium. By involving the family and friends of a defendant, as well as through the acceptance of collateral, the bail agent can be reasonably assured that the defendant released on a surety bond will appear at all of his/her court appearances.

    After this procedure is completed, the bail agent will post a bond for the full bail amount, financially guaranteeing the defendant s return to court as scheduled.

    With money on the line, the bail agent has a financial interest in supervising bailees and ensuring that they appear in court each and every time the court orders them to appear. If the defendant does not appear in court (skips), the bail agent has time and the financial incentive to find the defendant and bring him/her to court.

    Cash bail means a person must give the court or jail the total amount of the bail in cash. The cash will be held by the court until the defendant appears at all of his/her court cases and the case is concluded. Full cash bonds provide a powerful incentive for the defendant to appear in court. If the defendant appears for all of his/her scheduled court appearances, the cash bail should be returned.

    Release on Own Recognizance (O.R.)

    Another method of release pending trial is through a pre-trial release program administered by the county or a law enforcement agency. Usually, the employees of these programs interview defendants in custody and make recommendations to the court regarding the release of individuals on their own recognizance (i.e. without any financial security to ensure the defendant s return).

    The interview process is often conducted over the telephone, usually with little inquiry into the defendant s background. The interview process attempts to determine whether the detainee is likely to appear in court. There is usually no verification of information provided by the defendant. Since no money, property, or bond is posted to secure the defendant s appearance in court, he/she faces no personal economic hardship from the conscious decision not to appear in court.

    How much does a bail bond (surety bond) cost?

    In Texas, the bail premium, or fee, is typically 10 percent (subject to a minimum premium and underwriting criteria) of the full bail amount. For example, if the bail amount is $10,000, the premium charged is $1,000.

    How much of the premium will I get back?

    Typically the 10 percent premium is fully earned once the bail bond is posted with a jail or court. That is how bail agents and their surety companies make their money and pay their bills.

    Collateral is anything of value used to financially secure a bail bond.

    What can be used as collateral?

    Some examples of collateral include credit cards, houses, cars, boats, jewelry, or electronic equipment (you get the idea).

    When will collateral be returned?

    Collateral is usually returned when the court has finished with the defendant’s case(s), exonerating the bail bond(s), and when all fees have been paid.

    How long does it take to be released from jail?

    There are two types of jails city jails and county jails.

    City jails are operated by city police departments and county jails are operated by the county sheriff. After a defendant is booked into a city jail (i.e. fingerprinted, photographed, warrants checked, etc.), it typically takes anywhere from 15 minutes to 1 hour to be released on bail.

    After a defendant is booked into a county jail, it usually takes anywhere from 2 to 8 hours and up to 24 hours to be released on bail. We wish we could speed up the process but the city and county jails operate at their own pace. Texas Bail Bonds does everything possible to expedite the defendant s release. Let us assure you we will be by your side every step of the way.

    24 comments on How Does a Bail Bond Work?

    joann vidales says:


    Do I Need Commercial Auto Coverage? #i #need #auto #insurance


    #

    Do I Need Commercial Auto Coverage?

    Updated June 03, 2016

    Does your business need commercial auto coverage. Like many small business owners, you may assume that your personal auto policy affords all the coverage you need. You may also believe that your policy will protect you if you are involved in an accident while driving a vehicle you use for business. As this article will explain, you could find out the hard way that your assumptions are wrong.

    Not Designed for Businesses

    A personal auto policy is designed to cover individuals, not business entities.

    It typically defines insured as the individual named in the declarations and that person s spouse and family members. Obviously, the terms spouse and family member s are not relevant to a business entity other than a sole proprietorship. Note that if your business is a sole proprietorship, you can insure your family members under a business policy via the Named Individual Insured Endorsement.

    Business Exclusions

    Another problem with personal auto policies is that they exclude business-related risks. Here are some exclusions that are commonly found in personal auto policies:

    • Commercial Auto Exclusion Many policies exclude the use of a vehicle by someone employed or engaged in a business other than farming or ranching. This exclusion doesn t apply to a private passenger vehicle or to a small pickup or van not used for delivering or transporting goods and materials. Generally, a truck or van is small if it has a gross vehicle weight under 10,000 pounds. The upshot of this exclusion is that you need commercial auto coverage if you own a vehicle larger than 10,000 pounds. You also need this coverage if you use any size vehicle for delivery purposes or for transporting property.
    • Auto Business Exclusion This exclusion applies to autos used in a business that involves selling, repairing, parking, storing or servicing autos. Examples are a dealership and a repair shop. If you use any vehicles is this type of business, you need commercial auto insurance.
    • Livery Exclusion Virtually all personal policies exclude the use of an auto (truck or private passenger type) for transporting people or property for a charge. Examples are taxis and autos used to deliver pizza or packages. This exclusion also applies to vehicles used in rideshare businesses like Uber and Lyft.

    The commercial auto exclusion is open to interpretation. However, if you use a small truck or van for making deliveries to customers or for hauling tools to a job site, you should seriously consider purchasing a commercial policy.

    Other Limitations

    There are other aspects of personal auto policies that make them unsuitable for insuring a business. Here are some of them:

    • No Automatic Coverage A personal auto policy limits coverage to vehicles listed in a schedule. It affords very limited coverage for vehicles you acquire during the policy period. In contrast, a business auto policy can automatically cover any vehicle you obtain during the policy period.
    • Limited Hired Auto Coverag e Under a typical personal auto policy, rental vehicles are covered for physical damage only if you have purchased physical damage coverage for autos you own. Under a business auto policy, you can purchase physical damage coverage for hired autos only. A business policy also covers loss of use expenses and transportation expenses. Most personal policies don t include these coverages.
    • Less Flexibility A personal auto policy lacks the flexibility of a commercial policy. A business policy can be tailored to meet your needs through the use of covered auto symbols and endorsements .

    Underwriting Rules

    Besides the policy provisions themselves, you also need to consider your insurer s stance on insuring business risks. Each insurer has its own rules. You need to be aware of them before you buy a policy. not after you ve had an accident. Your insurer may be agreeable to covering some types of business-use autos but not others.

    Note that most personal auto insurers will not issue a policy covering autos registered to a business (other than a sole proprietorship). If your vehicles are registered in the name of a corporation, partnership or other type of business entity, you will need to purchase commercial auto coverage.

    Inadequate Limits

    Finally, most personal auto policies do not provide a liability limit that is adequate for a business. The maximum limit available from a personal auto insurer is typically $500,000.

    Commercial auto insurers, on the other hand, readily provide a $1,000,000 auto liability limit. Don t skimp on liability insurance! It is money well spent. A single accident involving a serious bodily injury could result in a huge liability claim against you. If you don t have adequate liability insurance, one claim could put your firm out of business.


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


    #

    Lab Technician: How Do I Become a Laboratory Tech?

    Should I Become a Lab Technician?

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

    Find schools that offer these popular programs

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

    Career Requirements

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

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

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

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

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

  • Home security on iphone #apple, #apple #inc, #iphone, #ipad, #ipod #touch, #ipod


    #

    Apple halts returns & exchanges in Hong Kong ahead of ‘iPhone 8’ launch

    Apple Hong Kong has stopped accepting most returns and exchanges for online orders made on or after August 15, in what’s likely a preeemptive measure against scalpers ahead of this fall’s launch of the “iPhone 8,” “iPhone 7s,” and “iPhone 7s Plus.”

    Tuesday, August 15, 2017 11:07 AM

    Apple to borrow again with company’s first-ever Canadian dollar bond

    Tuesday, August 15, 2017 10:31 AM

    Apple’s iPhone loses out in new contactless payment support for Beijing public transit

    Tuesday, August 15, 2017 9:28 AM

    Report corroborates fall Apple Watch refresh with LTE connectivity, same design

    Tuesday, August 15, 2017 8:42 AM

    Latest iOS 11 beta contains new Maps icon featuring Apple Park, updated App Store icon

    Monday, August 14, 2017 5:51 PM

    LTE Apple Watch will keep current form factor, be offered alongside standard versions

    Monday, August 14, 2017 4:52 PM

    Google could pay Apple up to $3B to hold default search status on iPhones

    Monday, August 14, 2017 4:41 PM

    Sony previews new XAV-AX200 receiver with Apple CarPlay support

    Monday, August 14, 2017 3:55 PM

    Apple Deals: 15″ MacBook Pro with Touch Bar for $1,899 ($500 off); $299 9.7″ iPads; 10.5″ iPad Pros for $599 ($50 off) with no tax in 48 states

    Monday, August 14, 2017 3:41 PM

    Swift creator Chris Lattner moving to Google Brain’s artificial intelligence effort

    Monday, August 14, 2017 3:40 PM

    Killer Deals: Save $70 to $250 instantly on Apple’s Mid 2017 MacBook Pros, plus no tax in 48 states

    Wednesday, July 5, 2017 4:00 PM

    Apple, Aetna, major hospital chains allegedly teaming up for customer discounts on Apple Watch

    Monday, August 14, 2017 1:41 PM

    Apple HomePod manufacturer Inventec warns of limited quantities available at Dec. launch

    Monday, August 14, 2017 1:28 PM

    Apple seeds sixth developer betas of iOS 11, tvOS 11, watchOS 4 & macOS High Sierra [u]

    Monday, August 14, 2017 1:20 PM

    Leaked Microsoft memo points to high initial return rates for Surface Book & Surface Pro 4

    Monday, August 14, 2017 1:10 PM

    Giveaway: Enter to win a cord-cutting package complete with a lifetime Plex Pass

    Monday, August 14, 2017 12:12 PM

    Apple says more Smart Connector products for iPad Pro are coming

    Monday, August 14, 2017 11:41 AM

    Chinese government sets up committee to watch over Apple’s new iCloud data center

    Monday, August 14, 2017 11:32 AM

    TSMC in mass production of 10nm ‘A11’ chips for Apple’s ‘iPhone 8’

    Monday, August 14, 2017 10:50 AM

    Latest Price Drops: 256GB 9.7″ iPad Pro for $599 ($200 off); iMacs from $929; $350-$1,000 off Touch Bar MacBook Pros with no tax in 48 states

    Monday, August 14, 2017 6:30 PM

    Google refuses comment on ‘aggressive deployment’ of Android spyware app in Play store

    Monday, August 14, 2017 10:16 AM

    Read More


    How Much Can I Afford To Pay For A New House #how


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    How Much Can I Afford To Pay For A New House?

    Use this affordability calculator to decide how much house you can afford. Enter your income, debts and down payment and the calculator can determine the amount you can afford to pay for a house, based on the conventional mortgage limit for your debt-to-income ratio. Move the slider to estimate a payment and purchase price that works best with your budget and financial goals .

    How Much House Can I Afford – Help

    Debt-To-Income Ratio Your debt-to-income ratio may be used to determine: the loan programs that you qualify for; the maximum mortgage amount you qualify for; and how much you can can afford to pay for a home. It is an important measure of risk used by mortgage lenders. One common type of debt-to-income ratio excludes your mortgage payment from calculation. Another includes your prospective mortgage payment along with all other required debt payments. The ratio used by the affordability calculator includes recurring payments on your debt and your housing payment, including principal, interest, taxes, hazard insurance, mortgage insurance and homeowners association dues. It is generally limited to 36% for conventional loans and 43% for FHA loans. These guidelines are subject to change. Also, some lenders may consider compensating factors in allowing higher debt-to-income ratios. Down Payment The amount you can comfortably spend up-front when buying your new home to make up the difference between the purchase price of the home and your mortgage amount. Lenders may require that you have at least a minimum amount of cash reserves after making the down payment. HOA Dues Your Homeowners Association dues, if any, will be included in calculating your debt-to-income ratio which helps lenders determine the maximum mortgage loan amount you qualify for. Homeowner’s Insurance Your insurance premium will be included in your debt-to-income ratio which lenders use to help determine the maximum mortgage loan amount you qualify for. Income Your gross income before taxes and deductions. It may include wages, salary, alimony, child support, retirement and certain other income. Lenders may make adjustments to determine the amount of stable and continuous income that will be available to you and your spouse for loan qualifying purposes. Interest The portion of your mortgage payment that is due to the interest rate being applied to the principal balance. The Total Interest for a mortgage is the sum of all interest paid over the life of a loan. Interest Rate The percentage of the principal balance of your mortgage that determines how much interest you must pay. The interest rate on your mortgage may change or remain the same depending on the type of loan you have. Monthly Debts Your recurring monthly payments on revolving and installment debt including car loans, personal loans, student loans, credit card balances. Principal The portion of your mortgage payment that is used to pay down the current balance of your mortgage. The principal balance represents how much you owe on the mortgage. Private Mortgage Insurance (PMI) Lenders often require borrowers to pay Private Mortgage Insurance (PMI) on mortgages with a loan-to-value ratio of more than 80%. PMI insures the lender in the event of a borrower default. Making a down payment of 20% or more of the purchase price of your home is one way you may be able to avoid being required to pay mortgage insurance. Property Taxes The property taxes on your home are included in the calculation of your debt-to-income ratio and in determining the maximum mortgage loan amount you qualify for. Taxes and Insurance Mortgage lenders generally require that taxes and insurance be included in a borrower’s mortgage payments. These payments may be for property taxes, homeowner’s/hazard insurance, and mortgage insurance. Other required payments may include homeowners’ association dues. Term The amortization term is one of the key factors that determine your required mortgage payment. Your required mortgage payment for fully amortizing mortgages is the amount that would result in the mortgage being closest to being paid off by the end of the amortization term. Longer amortization terms result in lower required mortgage payments for fully amortizating mortgages, all other things being equal.

    2016 MyHomeLoanTools.com. All rights reserved.


    What salary should I expect with a business management degree? #business #manager

    #business management salary

    #

    What salary should I expect with a business management degree?

    What salary should I expect with a business management degree?

    Sure, sometimes guys pass you up in salary, and maybe it s a lesser player, but it s all based on what a team has as far as value in that person. Brett Favre

    Okay, so let s face it, this is one of the first questions a degree seeker wants to know the answer to I mean, you wouldn t want to work for peanuts, so let s check out some figures together. Of course, the salary levels vary greatly with a business management degree depending on the type of business managing you are looking to go into. You also will want to consider the bachelors vs. masters degree as well but we will delve into both.

    According to a 2010 assessment by the U.S. Bureau of Labor Statistics, a business management degree can earn you anywhere from $40,000 to over $100,000, again, depending on your field of choice as well as location, education and experience. This link will give you an idea of what your degree can help you to accomplish in a variety of different management positions.

    Of course, when choosing a career to pursue, we all know that there is no substitute for actually enjoying your job, so salary aside, choosing to obtain a business management degree will open up a lot of opportunities that will ultimately be a satisfying fit to your lifestyle.

    In terms of starting salaries, a business administration degree is one of the more lucrative majors. Students pursuing this major has the chances of becoming executives and CEOs of major corporations and even becoming the president of their own someday.

    Oftentimes a graduates with this degree will decide to continue their education and get their masters in BA.

    Let me touch on the master s degree decision for just a second, according to the U.S. Bureau of Labor Statistics, a master s degree can greatly enhance your chances of landing that dream job not to mention, boost your salary AND they predict that jobs requiring a masters degree is expected to grow by 22% between now and the year 2020. More and more employers are looking for that special candidate that stands out amongst the rest and has that extra education needed to be a high end, successful manager. Obtaining a master s in business administration degree will allow you to command a six figure start to your career.

    Browse our Resources





    Cars, SUVs, Hybrids, Minivans – Crossovers, Kia, kia i.#Kia #i


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    The Kia Soul, Sorento, Forte, Cadenza and Niro are the “Highest Ranked Large Car, Compact Car, Small SUV, Midsize SUV, and Compact Multi-Purpose Vehicle in Initial Quality.”

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    A Smarter Kind of Crossover.

    Meet the all-new 2017 Niro. Kia s first-dedicated hybrid crossover that delivers perfectly-proportioned utility, dynamic performance, and an impressive EPA-est. 50 mpg* combined. It s a whole new breed of crossover that pushes the limits of what a hybrid can be.

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    Need Private Student Loan Forgiveness? Try These 5 Options Instead #i #need


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    Need Private Student Loan Forgiveness? Try These 5 Options Instead

    College debt has reached an all-time high. The U.S. now has $1.44 trillion in student loan debt. with a delinquency rate of 11.2 percent.

    We’re not just talking about federal student loans. As of 2015, total private student loan debt amounted to $7.8 billion .

    The problem is, private student loans often have higher interest rates than federal student loans. And there are a lot fewer private student loan repayment plans – and no forgiveness programs.

    Although private student loan forgiveness programs don’t exist, you have options. Here’s what you can do if you have private student loans and need to find some breathing room.

    What to do if you need private student loan forgiveness

    1. Talk to your lender

    The first thing you need to do if you’re struggling with your private student loans is contact your lender. Every lender is different, so it is important to explore your options with yours.

    Your lender likely doesn t offer private student loan forgiveness. But they might still be able to help you.

    For example, many top student loan refinancing companies offer either deferment or forbearance. These options enable you to temporarily postpone your payments, giving you some breathing room while also helping you avoid delinquency.

    However, you can only be in deferment or forbearance for a limited amount of time, which will vary based on your lender.

    If you’re struggling with repayment and looking for private student loan forgiveness, it s crucial that you contact your lender and don t just abandon your payments.

    Abandoning your payments will seriously hurt your credit. And that can make it difficult for you to obtain new credit in the future.

    2. Refinance your student loans

    Refinancing private student loans can make it easier to manage your monthly payments.

    Through student loan refinancing, you can consolidate all of your loans. If you qualify for a better interest rate than you have now, you can decrease your monthly payments.

    Some refinancing lenders have other ways they can help borrowers. For example, some lenders – such as SoFi – offer extra perks such as unemployment protection. This program not only helps you temporarily suspend your payments if you become involuntarily unemployed, it also gives you access to career advisory services via SoFi.

    If you’re interested in exploring refinancing as an option, you can find several refinancing lenders on our student loan consolidation and refinancing page .

    3. Optimize your federal loans (if you have them)

    While private student loan forgiveness programs aren’t a reality right now, that’s not to say you can’t get some help if you have both private and federal loans.

    Federal loans come with a variety of repayment options to help when times are tough. You can utilize these options to ease the burden of your federal loan monthly payments and free up more cash. Hopefully, this will make it easier for you to pay down your private student loans.

    Paying down more of your private student loans first also follows the debt avalanche payoff method. Here’s how it works:

    • The debt avalanche method advises targeting high-interest rate debt first.
    • All extra payments should go to that debt while the lower interest rate debt gets minimum payments.
    • Once your target account is paid off, apply its payments on top of your next target account’s minimum.
    • Do this repeatedly until all of your debt accounts are paid off.

    This plan works because it reduces the debt that costs you the most money first. It also creates momentum – as one account is paid off, you roll over its payments to another account. Suddenly that next account will be paid off a lot faster, and so on.

    Now, here’s how that applies to your student loans:

    • If you’re either struggling to make all your payments or have nothing left to pay extra, you can use an income-driven repayment plan to reduce your federal loan monthly payments.
    • Apply the difference that you were paying on your federal loans before the income-driven repayment plan to your private student loans.
    • You’ll stay current on your federal loans by paying the minimum due per the income-driven repayment plan, while also eliminating your high-interest private student loans faster.

    Since private student loans tend to come with a higher interest rate. targeting them first lines up with the debt avalanche method nicely.

    4. Look for updates on private student loan forgiveness

    Student loan debt is an ever-changing arena. The laws governing collections on student loans can change as quickly as administrations do. That s why it’s important to stay on top of news as it comes out.

    Right now there are no moves from the current administration to add any private student loan forgiveness programs. In fact, there are more proposals to reduce benefits for student loan borrowers than there are to add any.

    That said, until a law is on the books, there’s still hope for positive change. And as a constituent, you have a right to contact your local representatives about laws that are up for a vote.

    5. Find new ways to increase your income

    This option has nothing to do with private student loan forgiveness – but it’s worth mentioning because of the sheer impact it can have on your student loan repayment.

    If you know you’re not eligible for a raise or think you don’t have time to work more, consider looking into side hustles .

    Let’s say you earn $400 extra per month for some freelance work and apply it directly to your student loan payments. Here s how much of a difference that would make:

    • If your loan balance is currently $35,000 and your interest rate is 5.00%, one extra $400 payment will save you $243 and take one month off the life of your loan.
    • If you made that extra $400 payment from your side income each month for one year, you’ll save $2,657 on your debt overall and pay it off 19 months early.

    Finding ways to increase your income can change the game on your finances. And that extra income could be the push you needed to make ends meet or get ahead.

    Think about it this way: If you find the right side hustle, you can do more than earn extra money. You can also build your skills and network. And that can help increase your chances of success and income potential as you go.

    Talking to your lender is your best bet

    Knowing that federal student loans offer forgiveness options that private student loans don’t is frustrating, to say the least. But don’t let that frustration keep you from seeking help when you need it.

    Of all the options listed above, talking to your lender can by far be one of the most effective. Financial attorney and author of Life Debt , Leslie H. Tayne of Tayne Law Group P.C.. explained this in more detail:

    “First I would recommend speaking with your loan provider. While they won’t forgive your student loans just by asking, they may be willing to lower your monthly bill or work out a payment option that works for you.”

    Choosing not to speak with your lender when you need to will only lead to more problems. Delinquencies and default will damage your credit for years to come. And bankruptcy won’t likely be a backup plan you can count on.

    “Unfortunately, graduates believe bankruptcy is a viable option for throwing away their student loans,” said Tayne. “The truth is unless you have an extreme hardship, it’s going to be near impossible to discharge your student loans through bankruptcy.”

    If you fear you won’t be able to sustain your monthly payments any longer, contact your lender. They ll tell you what options might be available to you. That will be your best chance at taking charge of your private student loans before they take charge of you.

    Interested in refinancing student loans?

    Here are the top 6 lenders of 2017!


    True Value Solar – Solar Panels, should i get solar panels.#Should #i


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    Should i get solar panels

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    8 facts all buyers should know.

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    Why choose true value solar?

    We are Australia’s largest solar experts

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    Have you ever wondered how much you could save with solar? To give you a better idea of what solar can do for you – we’ve developed our simple, easy-to-use savings calculator.


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


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    How Much Car Insurance Do You Really Need

    Continue Reading Below

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

    What insurance is required?

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

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

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

    Continue Reading Below

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

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

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

    Are there any other musts?

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

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

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

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

    Car insurance rules of thumb

    Factors to consider when evaluating your car insurance needs:

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

    To help decide how much to spend on coverage:

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

    Source: Insurance industry experts.

    How about comprehensive, collision?

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

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

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

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

    Do I want other add-ons?

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

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

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

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

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

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

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

    Copyright 2014, Bankrate Inc.


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


    #

    what do i need to apply for a home loan

    Home Loan Eligibility & Documentation

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

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

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

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

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

    Offline Modes

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

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

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

  • What percentage of property value can be funded?

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

  • What does 10 years fixed rate of interest mean?

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

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

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

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

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


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


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

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

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

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

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

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

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

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

    Frequently Asked Questions?

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

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

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

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

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

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

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

    Create New Website?

    Build your website in 4 easy steps:

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

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

    #international business jobs

    #

    What Can I Do with My International Business Major?

    Overview

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

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

    Skills

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

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

    Where are Georgetown International Business Majors Now?

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

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





    Secretly swiped: Your account numbers taken out of thin air #secretly #swiped,hackers,mobile


    #

    Secretly swiped: Your account numbers taken out of thin air

    Monday, February 09, 2015

    The ABC7 I-Team reveals the mobile technology that hackers can use to steal credit and debit numbers from you while you’re in public. The cards at risk are enabled with radio technology that allows you to “wave and pay.”

    It may be convenient, but there are also remote tools that thieves can use to steal information from those cards. The I-Team tested a device that can “secretly swipe” while you are standing in line to pay, on an escalator, or in a crowded spot.

    “I would walk up to you and I might stand like this on the train, Ok and boom, I have your credit card,” said David Bryan.

    Bryan, a security specialist at Chicago’s Trustwave, used a device in his backpack to read account numbers and expiration dates – all from cards which I think are safely tucked away in my wallet.

    “They have everything in just a few seconds,” Bryan said. “The card sends data back to the device, right. So that means it’s wireless, so if it’s wireless, it can be read through clothing.”

    The equipment is easily found online but only works on cards with this wireless symbol or cards enabled with “Radio Frequency ID”. “Near Field Communications”, “Blink” or “Paypass” technology. As you can see, the device only has to get within 6 inches of the card. Shoppers found it unsettling.

    “I don’t know what to say, I am speechless,” said Kay Bragg, a shopper.

    “I’m shocked,” said shopper Susan Sherman. ” I think that’s how some people picked up my debit card number.”

    And we did it again, attaching the equipment to a laptop.

    “From a distance away, I can still read your card right through the wallet,” Bryan said. “I have all of your numbers.”

    Spokespeople representing the Near Field Communications System and MasterCard say that the 3-digit code on the back of the card is usually needed for purchases, and that code can’t be read by the device.

    But other fraud experts tell the I-Team that there are other devices which can put card numbers and expiration dates on another “dummy” card which can be used at stores without that 3-digit code, and that some internet and phone transactions may not require it.

    “So you don’t have to worry about having the CVV or other pieces of information,” Bryan said.

    Then we used it on my CTA Ventra card, which can also be activated as a debit card. Our security expert accessed my account number and expiration date.

    “And the last four is 7995,” Bryan said.

    A CTA spokesperson said that the numbers can’t be used to ride the transit system, and also pointed out that the gadget can’t get your 3 digit debit card code on the back. And they said that a Ventra card “has the same industry-standard security protections that millions of credit and debit bank cards across the country (have) to prevent fraud.”

    To fight back, you can buy special wallets and even cheap sleeves that block the radio frequency. You can also use foil.

    You should also keep your eyes out for card readers planted by a store’s register.

    “It could be a device stuck under the counter, it could be an overlay on credit card reader,” Bryan said.

    “I am very impressed by it. It also frightens me a great deal,” said Keith Ricker, a shopper.

    Most cards – including MasterCard, Visa, and banks – have policies that say you’re not liable for fraudulent transactions. But it can take several days or weeks sometimes to get money back which has been stolen from your checking or debit card. A Chase Bank spokesperson told the I-Team it’s actually now discontinuing the use of that radio technology on future cards.

    Some security specialists also recommend Apple Pay, which they say is a secure alternative to paying since your actual card numbers are not stored on your iPhone.


    How can I report duplicate business pages? #stockmarket #today

    #business pages

    #

    How can I report duplicate business pages?

    A business location should be listed only once on Yelp. If a business has multiple locations, each individual location should be listed separately (although there may be exceptions – for example, a food truck that appears in different parts of town on different days can have a single business page). If you notice that there are multiple pages on Yelp for the same business location, you can let us know by submitting a report.

    Yelpers Business Owners

    From the website (www.yelp.com)

    1. Find the business page
    2. Click the Edit link:

    3. Check the This is a duplicate of another business on Yelp box at the bottom
    4. Provide your email if you’re not logged in to a user account
    5. Provide a link to the duplicate business page(s) and any further information
    6. Click Submit Changes

    From an iPhone

    1. Find the business page
    2. Tap the More Options icon:

    3. Tap Edit Business
    4. In the Notes field, let our moderators know that the page is a duplicate
    5. Tap Done
    6. Tap Submit

    From an Android

    1. Find the business page
    2. Tap the Overflow Menu:

    3. Tap Edit Business
    4. In the Notes field, let our moderators know that the page is a duplicate
    5. Tap Done
    6. Tap Submit





    Cell Tower Income, Guide to Putting a Cell Tower on Your Property


    #

    Cell Tower Income
    Secrets To Going Green:

    How to determine if your site favors cell tower development.

    By Steve Kazella

    Cell tower income is the best way that you can go green. Sorry Mr. Gore. With all the extra cell tower rental income that you’ll have coming in you can spend all the extra time you have saving the planet. But before that happens, you need to successfully negotiate a cell phone tower lease agreement. Probably a good idea to speak with a Telecom Lease Genius at our company.

    But seriously, so many of our visitors contact us about putting a cell tower on property that they own or ask us how to get a cell site on their building on land. You know who you are, the person who called our toll free number 20 times after they pressed “Option-1” .

    I want a cell tower on my property as much as anyone else but obviously not every site is going to work from a number of different perspectives. Therefore we’ve put together a brief cell tower site selection guide below. Gathering the following information and meeting these criteria will improve your chances of generating cell tower income on your site.

    Cell Tower Income 101:

    1. Assess if your site is a good site from a coverage perspective. Is the nearest cell tower a minimum of 1-mile away (not including rooftop sites)?
  • Is my building property blocked by other buildings or trees, or would the antennas have a clear line of site? Most trees are about 50-70′ high and the antennas need to see over them.
  • Is your property in a flood zone, wetlands, preserved farmland, state land, historical preservation, contaminated site, endangered animal habitat, FAA flight path or other classification? Then it’s probably going to be rejected.
  • Commercial, Industrial and Retail and Agricultural zoned parcels are favorable to residential zoned properties unless no other choices exist.
  • Look around. Is your property on a higher or lower elevation than the surrounding areas. Most RF Engineers prefer the higher sites for selection.
  • Does your property have at least 2,000 square feet of available ground space for a tower and equipment cabinets.
  • Does your rooftop and basement have a combined available 2,000 square feet of available space for storing equipment?
  • Find out the building height (AGL = Above Ground Level) of your roof. Figure our the height of your rooftop. Rooftops that are 30 to 75 high or about 3 floor to 7 floors that have flat rooftops ar usually the best.
  • Perhaps you own a factory with a smokestack or a farm with a tall grain silo that is high enough, or you are a municipality with a water tower? These also make good sites.
  • Find out the coordinates for your site. This is an important step. By putting this information in front of the right people at the cellular carriers it will help them plot exactly where you are located. A place for getting this information is Google Earth which is free to install on your computer. Plot your property address and Google Earth will take you there and put a “cross-hair” on your location. Then in the top left corner of your Google earth window you will see a yellow “Thumbtack”. Click that and the a window will open on the left side of your screen giving you your exact coordinates:

    41˚ 3’ 38.54”N
    73˚ 56’ 55.51”W

  • Next, you’ll want to determine the elevation of your location. Find out the approximate ground elevation (AMSL = Above Mean Sea Level) by going to a website called “TerraServer”
  • TerraServer is a great resource where you can plot your address and see what the topographical map shows as your elevation. The brown lines will show a number, which is how many feet you are above sea level.

    The coordinates, height and elevation will give most radio frequency engineer the information that they need to see what a tower at 150′, 125′ or 100′ would cover for them.

    There you go. Congratulations. You now know more than 99% of Americans who do not have a cell tower on their property, and virtually every wireless lease consultant in San Deigo, California.

    OK, What next to generate cell tower income?

    Even with all of the information that you have, most of you probably still don’t know where to start or are simply too busy to invest a lot of time into promoting your site.

    If you feel that your property would be a favorable site for wireless development you should search your local Google directory for a “Cell Tower Site Acquisition” company in your state or metropolitan area. These people know the Real Estate Managers at the carriers closest to where you live.

    If you already have a cell tower on your property and you are looking to generate additional income, find out more about Tower Genius and how we can maximize the profitability of your tower lease or rooftop cell phone antenna site, and generate substantial cell tower income on your property. Talk to one of our cellular tower lease consultants today about generating rooftop cell tower income.


    What can i do with a communication degree #what #can #i #do


    #

    Signbank

    Welcome to Auslan Signbank

    Auslan Signbank is a language resources site for Auslan (Australian Sign Language). Auslan is the language of the deaf community in Australia. Here you will find:

    • a dictionary
    • ability to search for signs related to medical and health topics
    • ability to search for signs related to educational and teaching topics
    • videos of deaf people using the listed Auslan signs
    • information on the deaf community in Australia
    • links to Auslan classes

    Users of Auslan—deaf people, deaf students, sign language interpreters, students of Auslan, or a parents of deaf children—are invited to provide feedback to help improve the dictionary, using the links provided. Auslan is growing and changing all the time.

    We apologise for the poor quality of some of the video clips and the slow download speeds currently found in Auslan Signbank.

    However, we are pleased to announce that financial support has recently become available from the AMP Tomorrow Fund (grant to Trevor Johnston), the Ian Potter Foundation (grant to Adam Schembri) and the Australian Research Council (grant to Trevor Johnston and Adam Schembri) that means we are now able to address these problems.

    For example, the videos in Auslan Signbank are being refilmed in high resolution and will be replaced between now and December 2015. They will be able to be viewed at normal speed or in slow motion. The Auslan Signbank site (a dictionary of Auslan) is also being expanded to include the video clips and basic mutli-media annotation files from the Auslan Corpus (a collection of videos showing deaf Australians using Auslan as they tell stories and have natural informal conversations).

    We hope this new site will be completed by January 2016.

    We also hope to include on this site video clips of all of the examples used in the text-book on Auslan, e.g. how to make questions, statements, orders and requests, etc. ( Johnston, T. Schembri, A. 2007. Australian Sign Language (Auslan): An introduction to sign language linguistics. Cambridge: Cambridge University Press).

    No copying or linking (except to the BSL SignBank website) without the prior written permission of UCL.

    View the Full Version of this site.


    What salary should I expect with a business management degree? #business #news

    #business management salary

    #

    What salary should I expect with a business management degree?

    What salary should I expect with a business management degree?

    Sure, sometimes guys pass you up in salary, and maybe it s a lesser player, but it s all based on what a team has as far as value in that person. Brett Favre

    Okay, so let s face it, this is one of the first questions a degree seeker wants to know the answer to I mean, you wouldn t want to work for peanuts, so let s check out some figures together. Of course, the salary levels vary greatly with a business management degree depending on the type of business managing you are looking to go into. You also will want to consider the bachelors vs. masters degree as well but we will delve into both.

    According to a 2010 assessment by the U.S. Bureau of Labor Statistics, a business management degree can earn you anywhere from $40,000 to over $100,000, again, depending on your field of choice as well as location, education and experience. This link will give you an idea of what your degree can help you to accomplish in a variety of different management positions.

    Of course, when choosing a career to pursue, we all know that there is no substitute for actually enjoying your job, so salary aside, choosing to obtain a business management degree will open up a lot of opportunities that will ultimately be a satisfying fit to your lifestyle.

    In terms of starting salaries, a business administration degree is one of the more lucrative majors. Students pursuing this major has the chances of becoming executives and CEOs of major corporations and even becoming the president of their own someday.

    Oftentimes a graduates with this degree will decide to continue their education and get their masters in BA.

    Let me touch on the master s degree decision for just a second, according to the U.S. Bureau of Labor Statistics, a master s degree can greatly enhance your chances of landing that dream job not to mention, boost your salary AND they predict that jobs requiring a masters degree is expected to grow by 22% between now and the year 2020. More and more employers are looking for that special candidate that stands out amongst the rest and has that extra education needed to be a high end, successful manager. Obtaining a master s in business administration degree will allow you to command a six figure start to your career.

    Browse our Resources





    Where Can I Find Miami Nursing Schools? #nursing #schools #in #miami, #where


    #

    Where Can I Find Miami Nursing Schools?

    Learn about nursing schools in Miami, Florida. See degree options, program requirements and courses, and discover what unique educational experiences each school can offer. Schools offering Nursing degrees can also be found in these popular choices.

    In the Miami area, there are many associate’s, bachelor’s, and master’s degree programs in nursing available. This article looks at programs at four schools. Continue reading to see how each school presents its curriculum and what specializations are offered.

    What You Need to Know

    If you’re interesting in a career as a registered nurse, you could begin working in the field after earning an associate’s degree at a community college. These programs take about two years to complete and include general education requirements in addition to the nursing courses.

    Bachelor’s degree programs are also available in different forms. Some are designed to help nurses with an associate’s degree earn their bachelor’s for advancement at work. Others are for students fresh out of high school or for those with a degree in another field.

    If you’re considering supervising other nurses, working as a nurse practitioner or teaching in a nursing program, you might consider a master’s degree. These programs take between 1.5 and 2.5 years to complete, depending on your focus.

    Nursing Associate’s Degree Programs in Miami

    City College – Miami

    You can earn an associate’s degree in nursing at City College’s Miami or Fort Lauderdale campuses. In this program, you’ll master technical nursing skills, including setting intravenous lines and administering medication. The program is based on holistic care and promotion of wellness and emphasizes cultural sensitivity. You’ll learn through classroom courses in general nursing as well as specialties such as obstetric and pediatric nursing. Hands-on experience at local health care facilities, supervised by registered nurses in these specialty areas, is meant to enhance your education.

    • Program Name: Associate of Science in Nursing
    • Program Length: 2+ years
    • Tuition and Fees: $13,068 per year (2015-2016)
    • Requirements: Score of at least 11 on the Test of Adult Basic Education (TABE); passing score on Kaplan Admissions Exam in science, reading, math and writing; required immunizations and physical exam; personal health insurance; criminal background check
    • School Type: 4-year, primarily associate’s, private, not-for-profit; 263 undergraduates

    Miami Dade College

    Miami Dade College offers several options to earn an associate’s degree in nursing. If you have no previous health care education, you must enroll in the generic program. If you hold a license or certification in certain health care professions, such as practical nursing, you can earn a degree through the bridge program. If you already have a bachelor’s degree and want to earn your nursing associate’s in just three semesters, you can enroll in the accelerated program. The generic and bridge programs are offered both on a full- and part-time basis. Coursework in all these programs includes classes and clinical experience in local health care facilities. All three programs are taught at the Medical Center and the Homestead campuses, and the generic option is also offered at Baptist Hospital.

    • Program Name: Associate in Science in Nursing
    • Program Length: Generic, 2 years; bridge, 1.5 years full-time or 3 years part-time; accelerated, 1.5 years
    • Tuition and Fees: $2,834 per year for in-state students; $9,661 per year for out-of-state students (2015-2016)
    • Prerequisites: English composition, critical thinking and ethics, algebra, speech, growth and development, human anatomy and physiology, chemistry for health sciences, microbiology, introduction to microcomputers
    • Requirements: Bridge program: certification or licensure as a paramedic, respiratory therapist, military medic, practical nurse or medical assistant; accelerated program: bachelor’s degree in any subject
    • School Type: 4-year, primarily associate’s, public; 66,046 undergraduates

    Nursing Bachelor’s Degree Programs in Miami

    Barry University

    Barry University offers a traditional BSN as well as an accelerated option if you already hold a bachelor’s degree that’s not in nursing. There is an RN-to-BSN program that trains students with an associate’s degree or diploma in nursing and a program for licensed practical nurses who want to earn a bachelor’s degree. You’ll learn nursing skills and theory in a program that emphasizes care based on a Judeo-Christian philosophy. Miami is one of the nation’s most culturally diverse areas, and you’ll work with members of many of these communities in your training.

    • Program Name: Bachelor of Science in Nursing (BSN)
    • Program Length: Traditional option, 2 years; accelerated option, RN-to-BSN, 15 months (after admission to nursing program)
    • Tuition and Fees: $28,800 per year (2015-2016)
    • Requirements: Minimum 3.2 cumulative GPA; minimum grade of ‘C’ in all liberal arts courses, science courses and therapeutic nutrition, plus courses in developmental psychology and probability statistics
    • School Type: 4-year, private not-for-profit; 3,996 undergraduates, 4,522 graduate students

    University of Miami

    At the University of Miami, you’ll earn your degree while using modern facilities and the latest technology at the International Academy of Clinical Simulation. This emphasis on technology extends to the classrooms and computer labs. You’ll gain experience working with real patients at local health care facilities. The School of Nursing and Health Studies is one of the few nursing schools in the country that admits freshmen. Several degree options are offered. You can pursue a traditional BSN if you have no previous health care education. If you hold a bachelor’s or higher degree in another subject, you can earn your BSN through an accelerated program. Registered nurses with a diploma or associate’s degree can enter the RN-to-BSN program.

    • Program Name: Bachelor of Science in Nursing
    • Program Length: Traditional program, 4 years; RN-to-BSN, 3 semesters; accelerated BSN, 1 year
    • Tuition: $45,724 per year (2015-2016)
    • Requirements: Must be a registered nurse with a diploma or associate’s degree, RN-to-BSN program; must have a baccalaureate degree, accelerated BSN
    • School Type: 4-year, private, not-for-profit; 11,175 undergraduates, 5,499 graduate students

    Nursing Master’s Degree Programs in Miami

    Barry University

    Barry University’s MSN program can train you for leadership roles in several areas. The executive leadership program teaches nurses the analytical and organizational skills to be administrators. In the educator specialty program, you’ll learn about research and scholarly writing as well as teaching in the classroom and in a workplace setting. If you want to become a nurse practitioner, you can choose from family nurse and acute care specialty programs that meet national nurse practitioner standards.

    • Program Name: Master of Science in Nursing (MSN)
    • Specializations: Executive leadership, educator, acute care nurse practitioner, family nurse practitioner
    • Program Length: Acute care and family nurse practitioner, 3 years; executive leadership and nurse educator, 2.5 years
    • Tuition and Fees: $17,820 per year (2015-2016)
    • Requirements: BSN or a bachelor’s degree in another field; Florida nursing license
    • School Type: 4-year, private, not-for-profit; 3,996 undergraduates, 4,522 graduate students

    University of Miami

    A master’s degree program at the University of Miami’s School of Nursing and Health Sciences can train you as an advanced practice nurse. Your lecture classes will be held at the Coral Gables campus and the downtown Miami medical campus. You’ll gain clinical experience through the university health system and other health care facilities in the area. Many programs offer full-time and part-time programs of study to accommodate working nurses.

    • Program Name: Master of Science in Nursing
    • Specializations: Nurse anesthesia, acute care/adult nurse practitioner, family nurse practitioner, nurse midwifery, nurse education
    • Program Length: Nurse anesthesia, 2.5 years; acute care/adult nurse practitioner, family nurse practitioner, 1 or 2 years; nurse midwifery, 1.5 years; nurse education, just over 1.5 years
    • Tuition and Fees: $34,248 per year (2015-2016)
    • Prerequisites: Bachelor’s degree (BSN preferred); introductory statistics course
    • School Type: 4-year, private, not-for-profit; 11,175 undergraduates, 5,499 graduate students

    To summarize, for those in the Miami area looking for a nursing program, there are degrees available from associate’s to master’s, depending on the student’s experience level and ultimate career goals.

    To continue researching, browse degree options below for course curriculum, prerequisites and financial aid information. Or, learn more about the subject by reading the related articles below:


    What type of accounts should I use for ATM businesses cash flow?

    #atm business

    #

    Back to search results

    What type of accounts should I use for ATM businesses cash flow ?

    I use the cash accrual accounting style for my ATM business. I cycle cash through my ATM’s that I have entered into my QB as owners equity originally. I am wanting to balance the checking account. When that money cycles back through to my bank account and gets electronically deposited what is it considered? Is it an “other assett” or what? Then when I withdrawl to load machines again what type of account should I use for the withdrawls, a “short term liability” account? I really need some clearity.

    You might say the cash is my reaccuring supplies.

    Why do you want to report this?

    I think I am tracking with Mistyblue. I have the income account for the surcharge fees that users of the machine owe me. The expense account for any fees for the particular bank where my money is cycled through. But what about the ST liability account. are you saying use this account type for the electronic deposits from user’s of my machine’s back to my account and use it for my withdrawls to load back into my machine. I thought I would need a “plus” and a “minus” sort of set up with the accounts?

    Recommended Answer

    2 people found this helpful

    This is how I have done this: I’ve set up a bank account for the ATM in qb as well a income account and I used a short term liability account. Of course a bank service charge account for the ATM.

    The short term liability account is the cycle account (withdraw and well as put back) – The income part I separate to its own income account. This way tracking income, expense, and your main cycle account. Which bottom line each rec balances. Note: I would check as well with your accountant on according to your area on sales tax requirements.

    Was this answer helpful? Yes No

    I think I am tracking with Mistyblue. I have the income account for the surcharge fees that users of the machine owe me. The expense account for any fees for the particular bank where my money is cycled through. But what about the ST liability account. are you saying use this account type for the electronic deposits from user’s of my machine’s back to my account and use it for my withdrawls to load back into my machine. I thought I would need a “plus” and a “minus” sort of set up with the accounts?

    1 additional answer

    No answers have been posted

    This post has been closed and is not open for comments or answers.

    More Actions

    People come to QuickBooks Learn Support for help and answers we want to let them know that we’re here to listen and share our knowledge. We do that with the style and format of our responses. Here are five guidelines:

    1. Keep it conversational. When answering questions, write like you speak. Imagine you’re explaining something to a trusted friend, using simple, everyday language. Avoid jargon and technical terms when possible. When no other word will do, explain technical terms in plain English.
    2. Be clear and state the answer right up front. Ask yourself what specific information the person really needs and then provide it. Stick to the topic and avoid unnecessary details. Break information down into a numbered or bulleted list and highlight the most important details in bold.
    3. Be concise. Aim for no more than two short sentences in a paragraph, and try to keep paragraphs to two lines. A wall of text can look intimidating and many won’t read it, so break it up. It’s okay to link to other resources for more details, but avoid giving answers that contain little more than a link.
    4. Be a good listener. When people post very general questions, take a second to try to understand what they’re really looking for. Then, provide a response that guides them to the best possible outcome.
    5. Be encouraging and positive. Look for ways to eliminate uncertainty by anticipating people’s concerns. Make it apparent that we really like helping them achieve positive outcomes.
    Do you still have a question?

    Ask your question to the community. Most questions get a response in about a day.

    Back to search results





    How can I report duplicate business pages? #start #up #business #loan

    #business pages

    #

    How can I report duplicate business pages?

    A business location should be listed only once on Yelp. If a business has multiple locations, each individual location should be listed separately (although there may be exceptions – for example, a food truck that appears in different parts of town on different days can have a single business page). If you notice that there are multiple pages on Yelp for the same business location, you can let us know by submitting a report.

    Yelpers Business Owners

    From the website (www.yelp.com)

    1. Find the business page
    2. Click the Edit link:

    3. Check the This is a duplicate of another business on Yelp box at the bottom
    4. Provide your email if you’re not logged in to a user account
    5. Provide a link to the duplicate business page(s) and any further information
    6. Click Submit Changes

    From an iPhone

    1. Find the business page
    2. Tap the More Options icon:

    3. Tap Edit Business
    4. In the Notes field, let our moderators know that the page is a duplicate
    5. Tap Done
    6. Tap Submit

    From an Android

    1. Find the business page
    2. Tap the Overflow Menu:

    3. Tap Edit Business
    4. In the Notes field, let our moderators know that the page is a duplicate
    5. Tap Done
    6. Tap Submit





    What can I do with a business and management studies degree? #cool

    #business management degree

    #

    Business and management studies

    The skills you gain on a business and management studies degree will allow you to start contributing to your employer’s organisation quickly and effectively

    Job options

    Jobs directly related to your degree include:

    Jobs where your degree would be useful include:

    Remember that many employers accept applications from graduates with any degree subject, so don’t restrict your thinking to the jobs listed here.

    Related case studies

    Head of marketing

    Work experience

    A business and management studies degree prepares you for a career in business, which may stretch across any sector or industry. Your career options are therefore varied. Try to decide on the area you want to work in and aim to get relevant work experience.

    You can gain work experience at university through extracurricular activities such as club membership or taking a role on a society that will develop your team-building, business or finance skills. You could also try to get a part-time job in an area related to your chosen career. Something that provides commercial skills or gives you knowledge in business functions and how organisations operate will be helpful.

    Search for placements and find out more about work experience and internships .

    Advertisement

    Typical employers

    Industries as diverse as chemicals, utilities, fashion, health, grocery and construction all require functional managers with a clear understanding of systems, efficiency and operational issues. Opportunities exist in management and analysis roles with employers in the private, public and voluntary sectors.

    Graduate training schemes offered by large employers frequently focus on commercial roles. Many give experience in several departments but others encourage specialisation from the outset.

    Skills for your CV

    Studying for a business and management studies degree allows you to develop a broad understanding of business organisations and provides you with subject-specific knowledge in areas such as markets, customers, finance, operations, communication, information technology and business policy and strategy. Business issues are often addressed at a European and international level.

    You will gain a number of transferable skills on your course including:

    • an understanding of organisational behaviour and structure;
    • analytical and critical thinking;
    • a creative approach to problem solving;
    • decision-making;
    • persuasive written and oral communication;
    • numeracy and the ability to research, interpret and use business and financial data;
    • self-reliance, initiative and the ability to manage time, projects and resources;
    • appreciation of the causes and effects of economic and other external changes.

    Further study

    Some graduates choose to undertake further study in subjects such as marketing, finance, human resources, computing/ICT and international business management in order to develop their expertise in a particular area of business. Studying for an MBA is another option.

    Those combining study with a job often work towards a professional qualification, usually supported by their employer. Professional qualifications popular with business studies graduates are provided by organisations such as the:

    Other options for further study include the Graduate Diploma in Law (GDL) for conversion to law.

    For more information on further study and to find a course that interests you, see Masters degrees and search postgraduate courses .

    What do business studies graduates do?

    Marketing associate professional is the top occupation held by business and management graduates employed in the UK six months after graduation. Finance, HR and sales professions also feature in the top ten.

    More than 10% of graduates go on to further study or combine further study with work.





    What type of accounts should I use for ATM businesses cash flow?

    #atm business

    #

    Back to search results

    What type of accounts should I use for ATM businesses cash flow ?

    I use the cash accrual accounting style for my ATM business. I cycle cash through my ATM’s that I have entered into my QB as owners equity originally. I am wanting to balance the checking account. When that money cycles back through to my bank account and gets electronically deposited what is it considered? Is it an “other assett” or what? Then when I withdrawl to load machines again what type of account should I use for the withdrawls, a “short term liability” account? I really need some clearity.

    You might say the cash is my reaccuring supplies.

    Why do you want to report this?

    I think I am tracking with Mistyblue. I have the income account for the surcharge fees that users of the machine owe me. The expense account for any fees for the particular bank where my money is cycled through. But what about the ST liability account. are you saying use this account type for the electronic deposits from user’s of my machine’s back to my account and use it for my withdrawls to load back into my machine. I thought I would need a “plus” and a “minus” sort of set up with the accounts?

    Recommended Answer

    2 people found this helpful

    This is how I have done this: I’ve set up a bank account for the ATM in qb as well a income account and I used a short term liability account. Of course a bank service charge account for the ATM.

    The short term liability account is the cycle account (withdraw and well as put back) – The income part I separate to its own income account. This way tracking income, expense, and your main cycle account. Which bottom line each rec balances. Note: I would check as well with your accountant on according to your area on sales tax requirements.

    Was this answer helpful? Yes No

    I think I am tracking with Mistyblue. I have the income account for the surcharge fees that users of the machine owe me. The expense account for any fees for the particular bank where my money is cycled through. But what about the ST liability account. are you saying use this account type for the electronic deposits from user’s of my machine’s back to my account and use it for my withdrawls to load back into my machine. I thought I would need a “plus” and a “minus” sort of set up with the accounts?

    1 additional answer

    No answers have been posted

    This post has been closed and is not open for comments or answers.

    More Actions

    People come to QuickBooks Learn Support for help and answers we want to let them know that we’re here to listen and share our knowledge. We do that with the style and format of our responses. Here are five guidelines:

    1. Keep it conversational. When answering questions, write like you speak. Imagine you’re explaining something to a trusted friend, using simple, everyday language. Avoid jargon and technical terms when possible. When no other word will do, explain technical terms in plain English.
    2. Be clear and state the answer right up front. Ask yourself what specific information the person really needs and then provide it. Stick to the topic and avoid unnecessary details. Break information down into a numbered or bulleted list and highlight the most important details in bold.
    3. Be concise. Aim for no more than two short sentences in a paragraph, and try to keep paragraphs to two lines. A wall of text can look intimidating and many won’t read it, so break it up. It’s okay to link to other resources for more details, but avoid giving answers that contain little more than a link.
    4. Be a good listener. When people post very general questions, take a second to try to understand what they’re really looking for. Then, provide a response that guides them to the best possible outcome.
    5. Be encouraging and positive. Look for ways to eliminate uncertainty by anticipating people’s concerns. Make it apparent that we really like helping them achieve positive outcomes.
    Do you still have a question?

    Ask your question to the community. Most questions get a response in about a day.

    Back to search results





    What salary should I expect with a business management degree? #business #account

    #business management salary

    #

    What salary should I expect with a business management degree?

    What salary should I expect with a business management degree?

    Sure, sometimes guys pass you up in salary, and maybe it s a lesser player, but it s all based on what a team has as far as value in that person. Brett Favre

    Okay, so let s face it, this is one of the first questions a degree seeker wants to know the answer to I mean, you wouldn t want to work for peanuts, so let s check out some figures together. Of course, the salary levels vary greatly with a business management degree depending on the type of business managing you are looking to go into. You also will want to consider the bachelors vs. masters degree as well but we will delve into both.

    According to a 2010 assessment by the U.S. Bureau of Labor Statistics, a business management degree can earn you anywhere from $40,000 to over $100,000, again, depending on your field of choice as well as location, education and experience. This link will give you an idea of what your degree can help you to accomplish in a variety of different management positions.

    Of course, when choosing a career to pursue, we all know that there is no substitute for actually enjoying your job, so salary aside, choosing to obtain a business management degree will open up a lot of opportunities that will ultimately be a satisfying fit to your lifestyle.

    In terms of starting salaries, a business administration degree is one of the more lucrative majors. Students pursuing this major has the chances of becoming executives and CEOs of major corporations and even becoming the president of their own someday.

    Oftentimes a graduates with this degree will decide to continue their education and get their masters in BA.

    Let me touch on the master s degree decision for just a second, according to the U.S. Bureau of Labor Statistics, a master s degree can greatly enhance your chances of landing that dream job not to mention, boost your salary AND they predict that jobs requiring a masters degree is expected to grow by 22% between now and the year 2020. More and more employers are looking for that special candidate that stands out amongst the rest and has that extra education needed to be a high end, successful manager. Obtaining a master s in business administration degree will allow you to command a six figure start to your career.

    Browse our Resources





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

    #international business jobs

    #

    What Can I Do with My International Business Major?

    Overview

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

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

    Skills

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

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

    Where are Georgetown International Business Majors Now?

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

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





    Can You Buy Ammo Online – Laws for Buying Ammunition #bulk #ammo,buy


    #

    No FFL / FOID faxing or uploading required to buy ammo in most states!

    Can you buy ammo online? Of course you can! Buying ammo online is something some people avoid because they are not familiar with the ammunition laws in their area. However, as long as you known the laws in your jurisdiction, buying ammo online can be a great way to buy hard to find ammunition at great prices. The next time you find yourself asking “Can I buy ammo online?”, simply check this page for information on federal, state and local laws on shipping ammunition while ordering online.

    Buy Ammo Online

    Ready to buy ammunition online? If you already know your local ammo laws you can go directly to our ammunition store. If not, please review our Shipping Returns. Frequently Asked Questions. this page, and agree to the Terms and Conditions at checkout to buy online from Ammunition Store! Only residents in the restricted areas below will need to send the required credentials via fax or e-mail before our products can be shipped. For more information on guns and ammunition laws in your state, visit the NRA-ILA state laws page.

    AGE RESTRICTIONS: You must be 21 years of age to purchase handgun ammunition and at least 18 years of age to purchase rifle ammunition.

    PLEASE TAKE THE TIME TO DOUBLE CHECK YOUR STATE / LOCAL LAWS

    Any order placed that does not meet these legal requirements will be automatically canceled and refunded minus a 4% fee. Why you ask? If you place an order online we get charged a fee by the credit card companies for the transaction, we will not absorb this cost due to people not knowing their state laws.

    Federal Magazine and Ammunition Shipping Restrictions

    18 USC 922

    (g) It shall be unlawful for any person

    (1) who has been convicted in any court of, a crime punishable by imprisonment for a term exceeding one year;

    (2) who is a fugitive from justice;

    (3) who is an unlawful user of or addicted to any controlled substance (as defined in section 102 of the Controlled Substances Act ( 21 U.S.C. 802 ));

    (4) who has been adjudicated as a mental defective or who has been committed to a mental institution;

    (5) who, being an alien

    (A) is illegally or unlawfully in the United States; or

    (B) except as provided in subsection (y)(2), has been admitted to the United States under a nonimmigrant visa (as that term is defined in section 101(a)(26) of the Immigration and Nationality Act ( 8 U.S.C. 1101 (a)(26) ));

    (6) who has been discharged from the Armed Forces under dishonorable conditions;

    (7) who, having been a citizen of the United States, has renounced his citizenship;

    (8) who is subject to a court order that

    (A) was issued after a hearing of which such person received actual notice, and at which such person had an opportunity to participate;

    (B) restrains such person from harassing, stalking, or threatening an intimate partner of such person or child of such intimate partner or person, or engaging in other conduct that would place an intimate partner in reasonable fear of bodily injury to the partner or child; and

    (i) includes a finding that such person represents a credible threat to the physical safety of such intimate partner or child; or

    (ii) by its terms explicitly prohibits the use, attempted use, or threatened use of physical force against such intimate partner or child that would reasonably be expected to cause bodily injury; or

    (9) who has been convicted in any court of a misdemeanor crime of domestic violence, to ship or transport in interstate or foreign commerce, or possess in or affecting commerce, any firearm or ammunition; or to receive any firearm or ammunition which has been shipped or transported in interstate or foreign commerce.

    (n) It shall be unlawful for any person who is under indictment for a crime punishable by imprisonment for a term exceeding one year to ship or transport in interstate or foreign commerce any firearm or ammunition or receive any firearm or ammunition which has been shipped or transported in interstate or foreign commerce.

    No .50 BMG caliber ammo. No armor piercing ammo.

    Any ammo component such as cases, primers, powder or bullets is considered to be “ammunition” in Washington DC and thus requires a license as well.

    Buying Ammo Online

    Buying ammo online with us is an extremely easy process that can save you money on the ammo you need. We do have a few tips to make buying your ammunition online as simple as possible, and also to guarantee that every customer is completely satisfied with their purchase with us.

    Tips for Buying Ammunition Online:

    • Make sure that if you are buying primers online that you add the associated hazmat fee to your order. We cannot ship your order without charging this fee as this is a federally mandated charge. It is also not possible to return primers as no carrier will accept a haz-mat return. Make sure to double check your order before submitting it.
    • When submitting your online ammo order, be sure to leave any special shipping requests that you may have in the comments section of the order page. This could include if you would like your shipment in a plain, unmarked box and other things like which door you would prefer the package to be left at.
    • Our website is capable of processing online ammunition orders of up to 776 pounds. If your order is 776 pounds or more, please call to place it. We are able to accommodate freight shipments by the pallet if necessary.
    • Shipping charges are NON-REFUNDABLE. If you provide us with an invalid shipping address on your order, and the merchandise gets returned to us, we will refund the cost of the item however shipping charges will not be refunded. Please verify your shipping address with UPS before ordering. Also, please note there is a 15% restocking fee on all returned items.

    Why Buy Ammunition Online?

    A lot of people avoid buying ammo online because they don’t realize how easy it is to buy online. Either that or maybe they are just old school and don’t know how to use a computer. The truth is though, that when you buy ammo online you save yourself time and money. Here’s why:

    • You will likely find that you have a much better selection when you decide to buy ammunition online.
    • If you buy ammo online, you can usually get a much better deal.
    • Find hard to find ammo in bulk. We offer military surplus, bulk ammo, all at affordable prices.
    • Buy ammunition from the comfort of your home.
    • Check ammunition stock levels in our store from your computer, tablet, even your phone. Never drive down to the ammo store hoping they got those hard-to-find rounds in you’ve been looking for for months.

    Ammunitionstore.com


    Business – What Should I Use as My Business Address? #business #quiz

    #business address

    #

    What Should I Use as My Business Address?

    Q: I m in the process of creating a business plan for a homebased business that I would like to start. I will be selling products like T-shirts and novelty items. But I have come to a point in the business plan that has me stumped. The problem is, I live in an apartment. What if a customer wishes to return an item that they purchased from me? How unprofessional would it be to have a return address listing an apartment?

    A: You re right–creating a professional image from the get-go is important, and it can be particularly challenging for homebased entrepreneurs. Nowadays, people are much more accepting of the idea of operating a business from home, but it s taken some time for everyone to get past the stereotypical image of the homebased entrepreneur waltzing around the house in bunny slippers and making frequent visits to the refrigerator. Still, it pays to give yourself every advantage in starting a business, so it pays to look as professional as possible.

    Deciding whether to use your home address for business purposes is a matter of what that address is. Something like 1114 Grove Ave. sounds perfectly fine, but, as you indicate, something like 1114 Grove Ave. Apt. 4, probably doesn t. Luckily, there are solutions. Since you ll evidently be doing some heavy shipping and perhaps dealing with returns, consider using a mail-receiving service, such as Mail Boxes Etc. These services provide you with a street address and a suite number rather than a post office box number (which some people perceive as questionable in itself). They ll also generally just save you a lot of headaches, handling everything from packing and shipping to package tracking. Shop around in your area for a service that s conveniently located to your house and reasonably priced.

    You should also think about how you re going to handle mail on a daily basis. Set up a system, and stick to it. Otherwise, before long you ll find yourself buried in paperwork, with a long list of angry customers to deal with. Designate an area in your home office just for mail-related tasks, whether it s incoming or outgoing mail. In your case, it might be best to set up a large table where you can sort and process mail and prepare items for shipping. Don t just use your desk–with all the other business-related paperwork that goes along with running a home office, you don t want to mix and mingle. And pick a time when you ll be able to deal with mail every day–whenever it s most convenient and won t interfere with any other pressing activities.

    When sorting through incoming mail, try to handle each piece of mail only once rather than looking at it and setting it aside to deal with later. Separate things into piles based on their priority–for example, items to be filed, items that need immediate action and items to be trashed. Then take care of each pile–and move on to something else.

    In addition, consider setting up an e-mail account where customers can send you their inquiries electronically. This will cut down on excess mail and phone calls. Just remember to be diligent about checking your e-mail and responding to inquiries in a timely manner.

    In time, you ll have your system down to a science and you ll be able to do it in your sleep. And that can only mean satisfied customers who will provide you with repeat business.

    The opinions expressed in this column are those of the author, not of Entrepreneur.com. All answers are intended to be general in nature, without regard to specific geographical areas or circumstances, and should only be relied upon after consulting an appropriate expert, such as an attorney or accountant.





    2016 Chevrolet Malibu vs #2016 #chevrolet #malibu #lt #vs. #2016 #honda #accord


    #

    2016 Chevrolet Malibu vs. 2016 Honda Accord, 2016 Mazda 6, 2016 Toyota Camry

    From the April 2016 issue

    Let s start the proceedings with a couple of toasts. First, here s to the ancient Chumash Indians, the name of whose little creekside California hamlet of Humaliwo got boiled down by the tongues of the conquering Spanish into the word Malibu. And here s to the widow Rhoda May Knight Rindge, or May to her friends. The last owner of the 17,000-acre Rancho Malibu, she battled the burgeoning Los Angeles County to stop its plans for a coastal road through her property. But back in 1919, L.A. got what L.A. wanted, and the Pacific Coast Highway was born as the Roosevelt Highway. Luckily, Rindge did not live to see the banks of her beloved Malibu Creek developed with outlets for Starbucks and Yogasmoga. Nor, indeed, did she live to see the mid-size Chevy Chevelle that took the rancho s name in 1964.

    Why all the fuss over Malibu in this test of four mid-size sedans? No particular reason, except that we decided to take the new Malibu and its most formidable competitors to Rindge s old, sunny seaside homestead, where the miles of good road are today outnumbered only by the suntanned utopians carrying their teacup Maltipoos.

    Radically redesigned this year, the Chevy Maltipoo, er, Malibu has its name written on the front doors in widely spaced movie-theater-marquis letters, as if a David Lean epic is about to open. To keep the prices real, we opted for the base engines on all the cars in this test. While the others here have conventionally breathing four-cylinder engines displacing 2.4 to 2.5 liters, the Malibu goes turbo right off the bat with a blown 1.5-liter. Our LT is a couple of steps up from the bottom, and as equipped is the most expensive car here at $27,940. However, knock off the $1150 sunroof that we opened just once, to make sure it did open, and the Malibu would be the second-cheapest car in this test.

    We re always extolling the Honda Accord. and its near-perennial status as a 10Best winner ensures its place in this test as the high castle for everyone else to throw rocks at. The version to buy is the Sport manual, but as this is a slush-only test, we took this opportunity to live for a while with the optional continuously variable transmission. A CVT is as far as you can possibly get from a manual unless your car has hydrostatic drive. The Accord doesn t, but it does offer a Sensing package with a bunch of anti-collision systems that add a grand to the price. Even so, at $26,900, this Accord Sport represents the second-lowest price.

    Mazda s 6 is always a sales underdog, a brand-B pick that is still built in Japan and still living in the shadows of giants. More than seven Toyota Camrys get sold for every Mazda 6. But the 6 is a former comparo winner and 10Best awardee. If the Malibu is to earn space on the zestier side of the family-car menu, it s the 6 that it will have to contend with. The current 6 debuted in 2014 but got an update for 2016 that includes a fancier interior. Of the three trim levels available, our Touring is the middle one, with a 184-hp 2.5-liter four and a six-speed automatic. Our sleek test car arrived with just one option: $300 Soul Red paint.

    And speaking of the big C, here comes the sales champ, natty in a swish blue robe and rolling on 18-inch aluminum wheels with black accents. This Lawrence Welk of Toyota Camrys ouch, okay, maybe this Lady Gaga of Camrys is an SE, with the wheels, Blue Streak Metallic paint, and blue seats and blue-glowing gauges (you gotta really like blue) that are all tossed in with the $1875 Special Edition package. If you don t fancy blue, pearl white is also available. Our one option, an entertainment-and-navigation suite, costs $525.

    Thus, the Malibu must contend with two market giants in the Accord and Camry and a left-field challenger in the 6. The hugely competitive mid-size segment is home to scores of other entries. But we ve bypassed the Sweet 16 and gone straight to the Final Four. Some of the slighted competitors will get a chance in the future to face the winner of this comparo, so we d better get on with the business of picking one.


    I b e w local #i #b #e #w #local


    #

    Welcome to the Official Website of IBEW LU #325

    We are very pleased you chose to visit our website.

    Local 325 is an organization run by the members and for the members. We are a union with a clear record of dedication to the basic principles of organized labor. We supply skilled electricians to contractors in five different counties, and the pride and workmanship is evident in every project we complete.

    Here at Local 325 some of our main objectives include, settling disputes between employers and employees, assisting each other in sickness or distress, securing employment, securing adequate pay for our work, and seeking security for the individual. Our objectives allow peace of mind for our members (and their families).

    The apprenticeship program here at Local 325 is a New York State five-year program. It includes on-the-job training, as well as hours of classroom/lab instruction in all aspects of the electrical trade. Upgraded courses in new codes and technologies are constantly being incorporated into the classrooms. Our members become well trained in all aspects of the electrical construction industry, which make them very desirable as employees.

    If you are an experienced electrician and would like to know more about career development and other benefits of union membership, you are invited to contact us by mail, phone, fax or email.

    If you are new to the electrical industry and are interested in working in the electrical industry and you are a high school graduate (or have a GED) then we invite you to contact us to find out how you can receive the classroom and job training you need to become an IBEW certified electrician.

    Why Choose IBEW Electricians

    Highly Skilled Craftsman
    Work Done On Time, On Budget

    The heart of training is our Joint Apprenticeship and Training Program (JATC), a regimented training program that assures competency in the standardized skills needed to be an electrician.

    Trained In Latest Technologies
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    I want to be a dog walker #business #card #printers

    #dog walking business

    #

    I want to be a dog walker. What will my salary be? Add to.

    Job: Professional dog walker

    Role: Dog walking is no day at the park. The role of a professional dog walker comes with a lot of responsibility, and requires relationship building with both pets and their owners. That is because dog walkers are often given access to their clients’ homes, and trusted with the care of their beloved animals. Doing so requires keeping a close eye on their pet at all times, which can be difficult when walking more than one dog at a time.

    “I treat the dogs like my children,” said Jon Chaisson, the owner of Busters Dog Walking Co. in Toronto and chairman of Professional Dog Walkers Canada, a non-profit organization that provides resources for commercial dog walkers.

    “When I go to the park, I’m making sure they’re not pooping [in inappropriate places], and if they are I’m picking it up, making sure they’re not misbehaving, doing inappropriate things. I have to watch out for things they’re not accustomed to, like some may not be friendly around smaller children, so I need to keep them away from smaller children.”

    Salary. The salary of a dog walker will depend on how many clients they have, whether they are self-employed or work for a company, and the level of service they are providing. Dog walkers typically charge between $15 and $25 per dog a day for their services, and in an industry heavily dependent on word-of-mouth, salaries typically grow along with reputation.

    As such, Mr. Chaisson predicts that starting salaries can be as low as $15,000 a year, as beginners often need to charge less in order to attract their first few clients. As they build their client base and renegotiate their fees, however, that salary can skyrocket with time.

    “You can make $100,000 a year, but it’s a lot of work,” he said, adding that many well-established professional dog walkers make around $80,000 per year, but only if they’ve received positive references, built a large client base and are working as many hours as possible each day.

    Education. While there are no educational requirements for commercial dog walkers, some municipalities enforce strict licensing standards. In the City of Toronto, for example, dog walkers need to obtain a $250 commercial dog walker permit in order to walk more than three dogs at a time (with a maximum of six), all of which must be on a leash unless in one of the city’s designated leash-free zones. Licensing laws vary between districts in Vancouver, where the price of a permit ranges from $350 in West Vancouver to $830 for a licence obtained in North Vancouver for businesses located outside of that district.

    “It’s unique to big cities right now,” Mr. Chaisson said.

    Obtaining a permit typically requires dog walkers to have liability insurance – at a cost of about $600 a year – and file taxes as registered businesses.

    Dog walkers are also encouraged to get pet first aid and pet training certification, which can provide added credentials and allow them to charge more for their services, though it is not a requirement.

    Job prospects: There is no shortage of dog lovers in Canada, many of whom need a little help taking care of their pets. The barrier to entry as a professional dog walker is quite low, but landing those first few clients can be difficult.

    “It’s better if you can meet up with other dog walkers, start networking, and then they will refer people to you,” said Dianne Eibner, owner of Jog-a-Dog and founder of the Professional Dog Walkers Association International, which later became Professional Dog Walkers Canada. “That’s probably your best bet if you’re starting out; get to know other dog walkers who would be willing to refer you.”

    Ms. Eibner adds that well-established dog walkers often reach their maximum capacity, and are typically willing to refer new clients to other dog walkers they trust.

    Challenges: The biggest challenge dog walkers face in the great white north is undoubtedly the cold weather, which can make the job unbearable during the winter months.

    “The winters can be hell, but you dress in layers and take the dogs out for shorter walks, because they do freeze as well,” Mr. Chaisson said.

    Ms. Eibner, who is also the author of The Face in the Window – A Guide to Professional Dog Walking , adds that those who work as sole proprietors or run their own dog walking businesses also take on a lot of risk.

    “It isn’t the most secure occupation,” she said. “If our client gets laid off from their work, we get laid off too.”

    Why they do it: While the winter months make the outdoors the least pleasant aspect of the job, Mr. Chaisson says the opposite is true in summer. “You get to hang out in the sunshine all day while everybody else is stuck inside in their stuffy jobs,” he said.

    Furthermore, since many professional dog walkers work as sole proprietors or owners of their own business, they often get to set their own hours and pay.

    “I’m able to work only three or four hours a day, and get a full day’s pay,” Mr. Chaisson said. “For six hours a day you can be making upwards of $80,000 to $100,000 [a year] if you really want to put work into it.”

    Ms. Eibner adds that most dog walkers simply love spending their time caring for and playing with dogs.

    “I love my job, I love hanging out with dogs,” she said. “It’s almost not like a job, but I treat it like a job – you have to on the business end of it – but other times I’m rolling around on the ground with them, that’s the part I enjoy.”

    Misconceptions: Mr. Chaisson says that many people believe it’s an easy job, failing to comprehend the level of responsibility that comes with the role.

    “You have to be fully aware that these are other people’s property,” he said. “It’s like a daycare; you constantly have to watch over the dogs as if they were your own.”

    Ms. Eibner adds that some dog walkers have given the rest a bad name, and that people make assumptions based on a few bad apples.

    “Unfortunately, there have been such incidents where a dog walker has caused problems for other people and park users,” she said. “It’s not pleasant when we are deemed guilty by association if or when one dog walker is seen not picking up after their dogs.”

    Want to read more stories from our Salaries Series? Find more here .

    Restrictions

    Thomson Reuters 2012.

    All rights reserved. Republication or redistribution of Thomson Reuters content, including by framing or similar means, is prohibited without the prior written consent of Thomson Reuters. Thomson Reuters is not liable for any errors or delays in Thomson Reuters content, or for any actions taken in reliance on such content. ‘Thomson Reuters’ and the Thomson Reuters logo are trademarks of Thomson Reuters and its affiliated companies.

    Selected data supplied by Thomson Reuters. Thomson Reuters Limited. Click for Restrictions .

    Copyright 2016 The Globe and Mail Inc. All Rights Reserved.

    444 Front St. W. Toronto. ON Canada M5V 2S9
    Phillip Crawley, Publisher

    Add to Watchlist

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    What type of accounts should I use for ATM businesses cash flow?

    #atm business

    #

    Back to search results

    What type of accounts should I use for ATM businesses cash flow ?

    I use the cash accrual accounting style for my ATM business. I cycle cash through my ATM’s that I have entered into my QB as owners equity originally. I am wanting to balance the checking account. When that money cycles back through to my bank account and gets electronically deposited what is it considered? Is it an “other assett” or what? Then when I withdrawl to load machines again what type of account should I use for the withdrawls, a “short term liability” account? I really need some clearity.

    You might say the cash is my reaccuring supplies.

    Why do you want to report this?

    I think I am tracking with Mistyblue. I have the income account for the surcharge fees that users of the machine owe me. The expense account for any fees for the particular bank where my money is cycled through. But what about the ST liability account. are you saying use this account type for the electronic deposits from user’s of my machine’s back to my account and use it for my withdrawls to load back into my machine. I thought I would need a “plus” and a “minus” sort of set up with the accounts?

    Recommended Answer

    2 people found this helpful

    This is how I have done this: I’ve set up a bank account for the ATM in qb as well a income account and I used a short term liability account. Of course a bank service charge account for the ATM.

    The short term liability account is the cycle account (withdraw and well as put back) – The income part I separate to its own income account. This way tracking income, expense, and your main cycle account. Which bottom line each rec balances. Note: I would check as well with your accountant on according to your area on sales tax requirements.

    Was this answer helpful? Yes No

    I think I am tracking with Mistyblue. I have the income account for the surcharge fees that users of the machine owe me. The expense account for any fees for the particular bank where my money is cycled through. But what about the ST liability account. are you saying use this account type for the electronic deposits from user’s of my machine’s back to my account and use it for my withdrawls to load back into my machine. I thought I would need a “plus” and a “minus” sort of set up with the accounts?

    1 additional answer

    No answers have been posted

    This post has been closed and is not open for comments or answers.

    More Actions

    People come to QuickBooks Learn Support for help and answers we want to let them know that we’re here to listen and share our knowledge. We do that with the style and format of our responses. Here are five guidelines:

    1. Keep it conversational. When answering questions, write like you speak. Imagine you’re explaining something to a trusted friend, using simple, everyday language. Avoid jargon and technical terms when possible. When no other word will do, explain technical terms in plain English.
    2. Be clear and state the answer right up front. Ask yourself what specific information the person really needs and then provide it. Stick to the topic and avoid unnecessary details. Break information down into a numbered or bulleted list and highlight the most important details in bold.
    3. Be concise. Aim for no more than two short sentences in a paragraph, and try to keep paragraphs to two lines. A wall of text can look intimidating and many won’t read it, so break it up. It’s okay to link to other resources for more details, but avoid giving answers that contain little more than a link.
    4. Be a good listener. When people post very general questions, take a second to try to understand what they’re really looking for. Then, provide a response that guides them to the best possible outcome.
    5. Be encouraging and positive. Look for ways to eliminate uncertainty by anticipating people’s concerns. Make it apparent that we really like helping them achieve positive outcomes.
    Do you still have a question?

    Ask your question to the community. Most questions get a response in about a day.

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    Law Schools – Careers #should #i #be #a #lawyer


    How to Become a Lawyer: Law Schools & Careers

    Prospective lawyers must undertake a series of steps to practice law, including completion of undergraduate and graduate degrees, examinations and licensing processes. Prior to embarking in this journey, those interested should ask themselves why they want to become a lawyer and if they are willing to commit several years to studying law in order to do so. For those who answer affirmatively, the following guide outlines the various academic, skill building, and licensing steps required to begin a career practicing law.

    How to Become a Lawyer

    Complete a Bachelor’s Degree Program

    A bachelor’s degree is the minimum educational requirement for admission to law school. No singular field of study is recommended by the American Bar Association at this level. In fact, the ABA notes that students gain admission to law school from nearly every area of study, ranging from political science to mathematics. Common undergraduate majors for prelaw students include English, political science, economics, business, philosophy, and journalism.

    “In 2014 the median earnings of young adults with a bachelor’s degree ($49,900) were 66 percent higher than the medan earnings of young adult hig school completers ($30,000).” – National Center of Education Statistics

    Pass the Law School Admission Test

    Along with an undergraduate degree, the Law School Admission Test (LSAT) is a core component of the law school admissions process. Admissions officers use scores from the LSAT as an objective measure to assess the knowledge and quality of applicants. The examination includes five multiple-choice question sections and an unscored writing sample. The LSAT measures candidates’ skills in critical areas of future legal work, including reading comprehension, information management, analysis and critical thinking, reasoning, and argumentation.

    Identify Law Schools and Complete Applications

    After finishing an undergraduate degree, some students choose to forego further education, while others gain professional experience in other fields prior to enrolling in law school. Regardless of the timing, prospective students should only consider law schools accredited by the American Bar Association. In addition to overall GPA, undergraduate coursework, and LSAT scores, other admission factors may include community service, organizational affiliations, and recommendation letters from educators, alumni or legal professionals. The Law School Admission Council is a great resource for students in the research phase of the law school application process.

    Earn a Juris Doctor Degree

    The Juris Doctor (JD) is the nationally recognized degree for practicing law in the United States and is currently offered by 205 ABA-accredited law schools. Prospective students should have knowledge of the faculty, areas of study, tuition, and curriculum prior to applying. There are numerous specialties within legal practice and students should select a program that offers a focused curriculum in their area of interest. For example, students may choose to concentrate in areas of real estate, property, criminal, environmental, tax, or family law. Typically students can complete their Juris Doctor in three years of full-time study.

    Pass the Bar Examination

    Most states require lawyers to graduate from an ABA-approved law school and pass the state bar examination prior to qualifying in that state. Although each state sets its own testing guidelines, the bar exam is commonly a two day process: day one is spent completing the Multistate Bar Examination while day two focuses on writing examinations covering various legal matters. In addition to the bar examination, the state board of bar examiners also consider the candidate’s educational background, competence, character, and ability to represent others in legal matters prior to offering full legal licensure.

    Advance Your Career

    There are many opportunities for lawyers to advance their careers. Freshman lawyers generally start out as associates, working closely with seasoned lawyers to hone their craft. After several years of successful practice, attorneys may rise to become partners in a firm while others may choose to open their own law office. Some may move beyond practicing law and become a judge or shift into public positions. Lawyers may also pursue further education at both the master’s and doctoral levels. The Master of Law (LLM) and Doctor of Philosophy (PhD) are two common choices for lawyers interested in careers involving research and academic scholarship.

    What Does a Lawyer Do?

    The work of a lawyer is broad in scope as there is no singular occupation designated to the title. A spectrum of options is available, allowing legal professionals to pursue opportunities in corporate, private, government and international settings. In all cases, lawyers are well-trained advisors to their clients, providing support in a variety of legal matters, civil or criminal.

    As advisors, lawyers represent clients in both legal issues and disputes. In doing so, lawyers conduct case law research, participate in formal hearings, draft and file legal documents, represent clients in a courtroom and provide general advice. As an example of the diversity within the field, lawyers may prepare mortgage papers, draft and file will and trust documents, defend a client in a criminal trial, or conduct research in international shipping disputes, all within a standard workweek. Lawyers often practice in a number of areas, including tax law, intellectual property, corporate law, criminal law, litigation, family law and environmental law.

    Lawyer Salaries

    The Bureau of Labor Statistics (BLS) reports that the median annual wage for lawyers was about $114,970 in 2014, with the top 10 percent of earners taking home more than $187,199 per year. Those working in state and local government tend to earn less while lawyers specializing in financial and insurance law are in the top bracket.

    Prospective lawyers considering where to practice law should also be aware that in 25 states, the annual salaries surpassed the national average. The District of Columbia topped this list in 2014, with lawyers taking home nearly $169,000. Below is a list of the top ten paying states for lawyers in 2014 according to the BLS.

    2014 Average Salary


    I want to be a dog walker #china #business

    #dog walking business

    #

    I want to be a dog walker. What will my salary be? Add to.

    Job: Professional dog walker

    Role: Dog walking is no day at the park. The role of a professional dog walker comes with a lot of responsibility, and requires relationship building with both pets and their owners. That is because dog walkers are often given access to their clients’ homes, and trusted with the care of their beloved animals. Doing so requires keeping a close eye on their pet at all times, which can be difficult when walking more than one dog at a time.

    “I treat the dogs like my children,” said Jon Chaisson, the owner of Busters Dog Walking Co. in Toronto and chairman of Professional Dog Walkers Canada, a non-profit organization that provides resources for commercial dog walkers.

    “When I go to the park, I’m making sure they’re not pooping [in inappropriate places], and if they are I’m picking it up, making sure they’re not misbehaving, doing inappropriate things. I have to watch out for things they’re not accustomed to, like some may not be friendly around smaller children, so I need to keep them away from smaller children.”

    Salary. The salary of a dog walker will depend on how many clients they have, whether they are self-employed or work for a company, and the level of service they are providing. Dog walkers typically charge between $15 and $25 per dog a day for their services, and in an industry heavily dependent on word-of-mouth, salaries typically grow along with reputation.

    As such, Mr. Chaisson predicts that starting salaries can be as low as $15,000 a year, as beginners often need to charge less in order to attract their first few clients. As they build their client base and renegotiate their fees, however, that salary can skyrocket with time.

    “You can make $100,000 a year, but it’s a lot of work,” he said, adding that many well-established professional dog walkers make around $80,000 per year, but only if they’ve received positive references, built a large client base and are working as many hours as possible each day.

    Education. While there are no educational requirements for commercial dog walkers, some municipalities enforce strict licensing standards. In the City of Toronto, for example, dog walkers need to obtain a $250 commercial dog walker permit in order to walk more than three dogs at a time (with a maximum of six), all of which must be on a leash unless in one of the city’s designated leash-free zones. Licensing laws vary between districts in Vancouver, where the price of a permit ranges from $350 in West Vancouver to $830 for a licence obtained in North Vancouver for businesses located outside of that district.

    “It’s unique to big cities right now,” Mr. Chaisson said.

    Obtaining a permit typically requires dog walkers to have liability insurance – at a cost of about $600 a year – and file taxes as registered businesses.

    Dog walkers are also encouraged to get pet first aid and pet training certification, which can provide added credentials and allow them to charge more for their services, though it is not a requirement.

    Job prospects: There is no shortage of dog lovers in Canada, many of whom need a little help taking care of their pets. The barrier to entry as a professional dog walker is quite low, but landing those first few clients can be difficult.

    “It’s better if you can meet up with other dog walkers, start networking, and then they will refer people to you,” said Dianne Eibner, owner of Jog-a-Dog and founder of the Professional Dog Walkers Association International, which later became Professional Dog Walkers Canada. “That’s probably your best bet if you’re starting out; get to know other dog walkers who would be willing to refer you.”

    Ms. Eibner adds that well-established dog walkers often reach their maximum capacity, and are typically willing to refer new clients to other dog walkers they trust.

    Challenges: The biggest challenge dog walkers face in the great white north is undoubtedly the cold weather, which can make the job unbearable during the winter months.

    “The winters can be hell, but you dress in layers and take the dogs out for shorter walks, because they do freeze as well,” Mr. Chaisson said.

    Ms. Eibner, who is also the author of The Face in the Window – A Guide to Professional Dog Walking , adds that those who work as sole proprietors or run their own dog walking businesses also take on a lot of risk.

    “It isn’t the most secure occupation,” she said. “If our client gets laid off from their work, we get laid off too.”

    Why they do it: While the winter months make the outdoors the least pleasant aspect of the job, Mr. Chaisson says the opposite is true in summer. “You get to hang out in the sunshine all day while everybody else is stuck inside in their stuffy jobs,” he said.

    Furthermore, since many professional dog walkers work as sole proprietors or owners of their own business, they often get to set their own hours and pay.

    “I’m able to work only three or four hours a day, and get a full day’s pay,” Mr. Chaisson said. “For six hours a day you can be making upwards of $80,000 to $100,000 [a year] if you really want to put work into it.”

    Ms. Eibner adds that most dog walkers simply love spending their time caring for and playing with dogs.

    “I love my job, I love hanging out with dogs,” she said. “It’s almost not like a job, but I treat it like a job – you have to on the business end of it – but other times I’m rolling around on the ground with them, that’s the part I enjoy.”

    Misconceptions: Mr. Chaisson says that many people believe it’s an easy job, failing to comprehend the level of responsibility that comes with the role.

    “You have to be fully aware that these are other people’s property,” he said. “It’s like a daycare; you constantly have to watch over the dogs as if they were your own.”

    Ms. Eibner adds that some dog walkers have given the rest a bad name, and that people make assumptions based on a few bad apples.

    “Unfortunately, there have been such incidents where a dog walker has caused problems for other people and park users,” she said. “It’s not pleasant when we are deemed guilty by association if or when one dog walker is seen not picking up after their dogs.”

    Want to read more stories from our Salaries Series? Find more here .

    Restrictions

    Thomson Reuters 2012.

    All rights reserved. Republication or redistribution of Thomson Reuters content, including by framing or similar means, is prohibited without the prior written consent of Thomson Reuters. Thomson Reuters is not liable for any errors or delays in Thomson Reuters content, or for any actions taken in reliance on such content. ‘Thomson Reuters’ and the Thomson Reuters logo are trademarks of Thomson Reuters and its affiliated companies.

    Selected data supplied by Thomson Reuters. Thomson Reuters Limited. Click for Restrictions .

    Copyright 2016 The Globe and Mail Inc. All Rights Reserved.

    444 Front St. W. Toronto. ON Canada M5V 2S9
    Phillip Crawley, Publisher

    Add to Watchlist

    We’ve run into a glitch. Please try again later.

    We’ve run into a glitch. Please try again later.

    Customize your reading font





    What type of accounts should I use for ATM businesses cash flow?

    #atm business

    #

    Back to search results

    What type of accounts should I use for ATM businesses cash flow ?

    I use the cash accrual accounting style for my ATM business. I cycle cash through my ATM’s that I have entered into my QB as owners equity originally. I am wanting to balance the checking account. When that money cycles back through to my bank account and gets electronically deposited what is it considered? Is it an “other assett” or what? Then when I withdrawl to load machines again what type of account should I use for the withdrawls, a “short term liability” account? I really need some clearity.

    You might say the cash is my reaccuring supplies.

    Why do you want to report this?

    I think I am tracking with Mistyblue. I have the income account for the surcharge fees that users of the machine owe me. The expense account for any fees for the particular bank where my money is cycled through. But what about the ST liability account. are you saying use this account type for the electronic deposits from user’s of my machine’s back to my account and use it for my withdrawls to load back into my machine. I thought I would need a “plus” and a “minus” sort of set up with the accounts?

    Recommended Answer

    2 people found this helpful

    This is how I have done this: I’ve set up a bank account for the ATM in qb as well a income account and I used a short term liability account. Of course a bank service charge account for the ATM.

    The short term liability account is the cycle account (withdraw and well as put back) – The income part I separate to its own income account. This way tracking income, expense, and your main cycle account. Which bottom line each rec balances. Note: I would check as well with your accountant on according to your area on sales tax requirements.

    Was this answer helpful? Yes No

    I think I am tracking with Mistyblue. I have the income account for the surcharge fees that users of the machine owe me. The expense account for any fees for the particular bank where my money is cycled through. But what about the ST liability account. are you saying use this account type for the electronic deposits from user’s of my machine’s back to my account and use it for my withdrawls to load back into my machine. I thought I would need a “plus” and a “minus” sort of set up with the accounts?

    1 additional answer

    No answers have been posted

    This post has been closed and is not open for comments or answers.

    More Actions

    People come to QuickBooks Learn Support for help and answers we want to let them know that we’re here to listen and share our knowledge. We do that with the style and format of our responses. Here are five guidelines:

    1. Keep it conversational. When answering questions, write like you speak. Imagine you’re explaining something to a trusted friend, using simple, everyday language. Avoid jargon and technical terms when possible. When no other word will do, explain technical terms in plain English.
    2. Be clear and state the answer right up front. Ask yourself what specific information the person really needs and then provide it. Stick to the topic and avoid unnecessary details. Break information down into a numbered or bulleted list and highlight the most important details in bold.
    3. Be concise. Aim for no more than two short sentences in a paragraph, and try to keep paragraphs to two lines. A wall of text can look intimidating and many won’t read it, so break it up. It’s okay to link to other resources for more details, but avoid giving answers that contain little more than a link.
    4. Be a good listener. When people post very general questions, take a second to try to understand what they’re really looking for. Then, provide a response that guides them to the best possible outcome.
    5. Be encouraging and positive. Look for ways to eliminate uncertainty by anticipating people’s concerns. Make it apparent that we really like helping them achieve positive outcomes.
    Do you still have a question?

    Ask your question to the community. Most questions get a response in about a day.

    Back to search results