Boost Your Real Estate Business With Smart Real Estate Management Software #business

#real estate business

#

Boost Your Real Estate Business With Smart Real Estate Management Software

Due to its eye popping attractions, glamorous lifestyle, and internationally acclaimed real estate, Dubai stands as being one of the strongest hubs for real estate agents. The ever-expanding construction projects in the UAE have brought rise to hundreds of real estate agencies that are focused on bringing a world-class experience to anyone buying property in the UAE.

Available real estate in areas such as Business Bay, Arabian Ranches, Dubai Marina, The Palm Jumeirah, Downtown Dubai, Al Warqaa, Jumeirah Lake Towers (JLT) and many others are being offered by real estate agents to not only those living in Dubai, but all over the world.

What are Real estate websites why are they used?

Real estate websites are known to provide a database of available property, villas, apartment, land, etc. to anyone seeking looking to purchase.

For real estate agents and brokers, it is becoming challenging to deal with the increasing traffic on their real estate websites. This has resulted in web development companies developing what is known as real estate management software. This software has been created to help manage the overwhelming records and data of property being offered on a relator’s website.

Some known property management software:

Many companies that work on web application development are hence developing property management software that is used by real estate agents to facilitate their business. AppFolio Property Manager, MRI Residential Management, Propertyware and roomMaster are some of such software that is widely used, more can be found here.

Benefits of Using Real Estate Management Software

Real estate management software provides a platform to manage properties, payments, accounting, selling record and all such utilities at one place no matter what platform you are accessing from (phone, tablet, PC). It provides you the tools that you need to manage your real estate.

It includes management tools that are helpful in managing your properties in less time thus allowing you to focus your time on revenue optimization by offering a self-automated process. They are designed to facilitate leasing, renting, and purchasing activities carried out in one place.

These platforms are also helpful in networking with thousands of property management companies, investors, real estate managers and others worldwide. This will help you to promote your property as well as enhance sales and attract more visitors to your business.

Real estate applications are used to help businesses become more organized while also increasing productivity. This software offers website integration, smart electronic payments, and online file management along with recurring transactions.

Property management software is also used to speed up the working process of property selling or renting by tracking multiple accounts. This process shortens the document processing time by offering maximum credibility to maintain data confidentially.

For real estate in Dubai, the property management software mentioned above is helpful in boosting your business with automatic and built-in features. At eTek Studio, our services offer web development in Dubai that also includes the designing and development of real estate management software.

Call us now to get your property management software professionally developed by eTek Studio.

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6 Smart Reasons to Get a Business Loan #business #plans

#getting a business loan

#

6 Smart Reasons to Get a Business Loan

Co-founder and CEO, Fundera

November 9, 2015

Spreading the word that you re considering a loan for your business can be met with all kinds of opinions. From general naysayers to cautionary anecdotes, everyone you meet will have a story as to what might happen if you take out a loan to start or expand your business venture.

While it s true that not every reason is a good reason to go into debt for your business, that doesn t mean that good reasons don t exist. If your business is ready to take a leap, but you don t have the working capital to do so, here are six reasons you might re-consider applying for a small business loan .

1. You re ready to expand your physical location.

Your cubicles are busting at the seams, and your new assistant had to set up shop in the kitchen. Sounds like you ve outgrown your initial office location. Or maybe you run a restaurant or retail store, and you have more customers in and out than you can fit inside your space.

This is great news! It likely means business is booming, and you re ready to expand. But just because your business is ready for expansion, doesn t mean you have the cash on hand to make it happen.

In these cases, you may need a term loan to finance your big move. Whether it s adding an additional location or picking up and moving, the up-front cost and change in overhead will be significant.

Before you commit, take steps to measure the potential change in revenue that could come from expanding your space. Could you cover your loan costs and still make a profit? Use a revenue forecast along with your existing balance sheet to see how the move would impact your bottom line. And if you re talking about a second retail location, research the area you want to set up shop to make sure it s a good fit for your target market.

2. You re building credit for the future.

If you re planning to apply for larger-scale financing for your business in the next few years, the case can be made for starting with a smaller, short-term loan in order to build your business credit.

Young businesses can often have a hard time qualifying for larger loans if both the business and the owners don t have a strong credit history to report. Taking out a smaller loan and making regular on-time payments will build your business s credit for the future.

This tactic may also help you build relationships with a specific lender, giving you a connection to go back to when you re ready for that bigger loan. Be careful here, though, and don t take on an early loan you can t afford. Even one late payment on your smaller loan could make your chances of qualifying for future funding even worse than if you d never applied for the small loan at all.

3. You need equipment for your business.

Purchasing equipment that can improve your business offering is typically a no brainer for financing. You need certain machinery, IT equipment or other tools to make your product or perform your service, and you need a loan to finance that equipment. Plus, if you take out equipment financing. the equipment itself can often serve as collateral for a loan — similarly to a car loan.

Before you take out an equipment loan, make sure you re separating the actual needs from the nice-to-haves when it comes to your bottom line. Yes, your employees probably would love a margarita machine. But unless you happen to be running a Mexican Cantina, that particular equipment may not be your business s best investment.

4. You want to purchase more inventory.

Inventory is one of the biggest expenses for any business. Similar to equipment purchases, you need to keep up with the demand by replenishing your inventory with plentiful and high-quality options. This can prove difficult at times when you need to purchase large amounts of inventory before seeing a return on the investment.

Especially if you have a seasonal business, there are times when you may need to purchase a large amount of inventory without the cash on hand to do so. Slow seasons precede holiday seasons or tourist seasons — necessitating a loan to purchase the inventory before making a profit off it.

In order to measure whether this would be a wise financial move for your business, create a sales projection based on past years sales around that same time. Calculate the cost of the debt and compare that number to your total projected sales to determine whether taking an inventory loan is a wise financial move. Keep in mind that sales figures can vary widely from year to year, so be conservative and consider multiple years of sales figures in your projection.

5. You ve found a business opportunity that outweighs the potential debt.

Every now and then, an opportunity falls into your lap that is just too good to pass up — or so it seems, at least. Maybe you have a chance to order inventory in bulk at a discount, or you found a steal on an expanded retail space. In these instances, determining the return on investment of the opportunity requires weighing the cost of the loan versus the revenue you stand to generate through the available opportunity.

Let s say for instance, you run a business where you get a commercial contract for $20,000. The trouble is, you don t have the equipment to complete the job. Purchasing the necessary equipment would cost you about $5,000. If you took out a two-year loan on the equipment, paying a total of $1,000 in interest, your profits would still be $14,000.

If the potential return on investment outweighs the debt, go for it! But be careful with your calculations. More than one entrepreneur has been guilty of underestimating true costs or overestimating profits as a product of over-enthusiasm. When you re weighing the pros and cons, it often helps to perform a revenue forecast to make sure you re basing your decisions on hard numbers rather than gut instinct.

6. Your business needs fresh talent.

When working at a startup or small business, you wear a lot of hats. But there comes a time when doing the bookkeeping, fundraising, marketing and customer service may start to wear on you — and your business. If your small team is doing too many things, something will eventually fall through the cracks and compromise your business model.

Some businesses choose to invest their money in their talent, believing that this is one way to keep their business competitive and innovative. This can be a great move, if there s a clear connection between the hiring decision and an increase in revenue. But if having an extra set of hands around helps you focus on the big picture, that alone may be worth the loan cost.

Regardless of the exact reason you re considering a business loan, the point is this: If, when all costs are factored in, taking out the loan is likely to improve your bottom line — go for it. If the connection between financing and a revenue increase is hazy, take a second look at whether taking out a loan is your best choice.

You want to be confident in your ability to pay back a business loan over time and to see your business succeed. Every business decision involves taking a risk. Ultimately, only you can decide whether that risk is worthwhile.





Professional Business Attire for Men – Elegant and Smart #top #business #schools

#business attire

#

Professional Business Attire for Men Elegant and Smart

Professional business attire for men

Professional business attire for men.

There are two kinds of a guy, the one who wants to look professional, whereas, the other category belongs to the ones who don t care much about their personal grooming. They don t like following business standards, rather, go for anything they like or see. But is it really OK? Well, I don t think so. To be a professional business man, there are certain code of conducts which you should follow. Like wearing a professional business man attire and considering each and every aspect of your personality in detail, as it is something which every business men should do in order to achieve the success you always desired of. Because in a modern era like this, not only your intellectual skills count, but the way you dress yourself carries an equal importance. So my today’s article would be on the importance of professional business men attire in ones wardrobe.

Professional business attire for Men More Elegant and Smart:

  • Look charming by your shirt and neck tie combo:

Professional business attire for men.

Usually guys are so immune to business men attire that they hardly know how to make a good neck tie knot. They don t even know how to make a perfect contrast with the shirt he is about to wear. Wearing a professional attire is not the only thing you have to consider but you have to be conscious about its color combination too. Remember, you shirt and tie must be of opposite intensities. Means if you are going to wear a light colored shirt, then you are required to pick a darker tone as far as your necktie is concerned.

Note: Do not go for the same color tones like brown shirt with a brown tie. It doesn t look good, I tell you.

Professional business attire for men.

Plain shirt and tie no doubt looks decent but your motto is not to look just decent. Go for something extra ordinary. So do remember that the check pattern tie are in fashion nowadays and your shirt against your tie must be line patterned. It gives a very sharp and beautiful combination.

Professional business attire for men.

Add another sophistication to your attire that is a well tailored coat with a pocket square. Your business men attire gets complete with your well tailored coat with fine cuts and a pocket square. Pocket square gives you that height of sophistication which adds stars to your personality.

Professional business attire for men.

Dress pants must not be so tight because it would give you very odd look. Ask your tailor to stictch t according to your measurement.

Business casual attire.

You must have a side part hair cut to look like a true professional. Your hairs cut matter because your office is not the place where you can go with long rough and messy hairs.

Professional business attire for men.

Wear a leather strap watch. Make your mind clear while purchasing a watch for your office attire that you watch must be in golden round dial and dark colored leather straps.

Professional business attire for men.

Your office attire needs a dress shoes in plain black or brown color. Black and brown color looks very decent and stylish. Make sure the cleanliness of your shoes before going to the office. Do not go in your suede shoes or desert shoes because it would spoil your image as soon as you enter into your office.

Professional business attire for men.

Carry a big decent brown or black colored bag which has enough capacity to hold all your documents and accessories. Do not go for small bags that look very odd and girlish.





Greece – Bulgaria: Call for innovative business ideas of young people (SMART

#innovative business ideas

#

European Territorial Cooperation is an Objective of the Cohesion Policy and provides a framework for the exchange of experiences among local and regional actors from across Europe

Development.

European Territorial Cooperation contributes in the transformation of the European regions into strong economic and social poles through the funding of common projects

The team.

Our officers are responsible for the management of five bilateral cross-border Programmes and the national coordination of the seven multilateral Programmes, Greece is participating in

Vision.

More growth and jobs for all regions of the European Union through the promotion of cross-border, transnational and interregional cooperation

Perspective.

European Territorial Cooperation Programmes enhance economic and social cohesion, encouraging balance development and promoting competitiveness

The Business Information and Consulting Centre – Sandanski announces a call for innovative ideas for start-up or development of business by young people with potential and interest in entrepreneurship, new technologies and innovation. The aim of the SMART START-UP competition is to encourage and motivate young people to generate innovative business ideas with potential for further development.

Detailed information concerning the conditions, deadlines and required documents for application can be found here

Please note that the deadline for submission of business ideas is: 29.05.2015, 17:00

This initiative is carried out within the framework of the Project SMART SPECIALIZATION

Events calendar


European Territorial Cooperation Programmes are co-funded by European Union and National Funds of the countries participating in them

Navigate:

Register in Newsletter:

Copyright 2007 – 2016 Interreg
Freelance Web Design and Web Marketing services





6 Smart Reasons to Get a Business Loan #franchising #your #business

#getting a business loan

#

6 Smart Reasons to Get a Business Loan

Co-founder and CEO, Fundera

November 9, 2015

Spreading the word that you re considering a loan for your business can be met with all kinds of opinions. From general naysayers to cautionary anecdotes, everyone you meet will have a story as to what might happen if you take out a loan to start or expand your business venture.

While it s true that not every reason is a good reason to go into debt for your business, that doesn t mean that good reasons don t exist. If your business is ready to take a leap, but you don t have the working capital to do so, here are six reasons you might re-consider applying for a small business loan .

1. You re ready to expand your physical location.

Your cubicles are busting at the seams, and your new assistant had to set up shop in the kitchen. Sounds like you ve outgrown your initial office location. Or maybe you run a restaurant or retail store, and you have more customers in and out than you can fit inside your space.

This is great news! It likely means business is booming, and you re ready to expand. But just because your business is ready for expansion, doesn t mean you have the cash on hand to make it happen.

In these cases, you may need a term loan to finance your big move. Whether it s adding an additional location or picking up and moving, the up-front cost and change in overhead will be significant.

Before you commit, take steps to measure the potential change in revenue that could come from expanding your space. Could you cover your loan costs and still make a profit? Use a revenue forecast along with your existing balance sheet to see how the move would impact your bottom line. And if you re talking about a second retail location, research the area you want to set up shop to make sure it s a good fit for your target market.

2. You re building credit for the future.

If you re planning to apply for larger-scale financing for your business in the next few years, the case can be made for starting with a smaller, short-term loan in order to build your business credit.

Young businesses can often have a hard time qualifying for larger loans if both the business and the owners don t have a strong credit history to report. Taking out a smaller loan and making regular on-time payments will build your business s credit for the future.

This tactic may also help you build relationships with a specific lender, giving you a connection to go back to when you re ready for that bigger loan. Be careful here, though, and don t take on an early loan you can t afford. Even one late payment on your smaller loan could make your chances of qualifying for future funding even worse than if you d never applied for the small loan at all.

3. You need equipment for your business.

Purchasing equipment that can improve your business offering is typically a no brainer for financing. You need certain machinery, IT equipment or other tools to make your product or perform your service, and you need a loan to finance that equipment. Plus, if you take out equipment financing. the equipment itself can often serve as collateral for a loan — similarly to a car loan.

Before you take out an equipment loan, make sure you re separating the actual needs from the nice-to-haves when it comes to your bottom line. Yes, your employees probably would love a margarita machine. But unless you happen to be running a Mexican Cantina, that particular equipment may not be your business s best investment.

4. You want to purchase more inventory.

Inventory is one of the biggest expenses for any business. Similar to equipment purchases, you need to keep up with the demand by replenishing your inventory with plentiful and high-quality options. This can prove difficult at times when you need to purchase large amounts of inventory before seeing a return on the investment.

Especially if you have a seasonal business, there are times when you may need to purchase a large amount of inventory without the cash on hand to do so. Slow seasons precede holiday seasons or tourist seasons — necessitating a loan to purchase the inventory before making a profit off it.

In order to measure whether this would be a wise financial move for your business, create a sales projection based on past years sales around that same time. Calculate the cost of the debt and compare that number to your total projected sales to determine whether taking an inventory loan is a wise financial move. Keep in mind that sales figures can vary widely from year to year, so be conservative and consider multiple years of sales figures in your projection.

5. You ve found a business opportunity that outweighs the potential debt.

Every now and then, an opportunity falls into your lap that is just too good to pass up — or so it seems, at least. Maybe you have a chance to order inventory in bulk at a discount, or you found a steal on an expanded retail space. In these instances, determining the return on investment of the opportunity requires weighing the cost of the loan versus the revenue you stand to generate through the available opportunity.

Let s say for instance, you run a business where you get a commercial contract for $20,000. The trouble is, you don t have the equipment to complete the job. Purchasing the necessary equipment would cost you about $5,000. If you took out a two-year loan on the equipment, paying a total of $1,000 in interest, your profits would still be $14,000.

If the potential return on investment outweighs the debt, go for it! But be careful with your calculations. More than one entrepreneur has been guilty of underestimating true costs or overestimating profits as a product of over-enthusiasm. When you re weighing the pros and cons, it often helps to perform a revenue forecast to make sure you re basing your decisions on hard numbers rather than gut instinct.

6. Your business needs fresh talent.

When working at a startup or small business, you wear a lot of hats. But there comes a time when doing the bookkeeping, fundraising, marketing and customer service may start to wear on you — and your business. If your small team is doing too many things, something will eventually fall through the cracks and compromise your business model.

Some businesses choose to invest their money in their talent, believing that this is one way to keep their business competitive and innovative. This can be a great move, if there s a clear connection between the hiring decision and an increase in revenue. But if having an extra set of hands around helps you focus on the big picture, that alone may be worth the loan cost.

Regardless of the exact reason you re considering a business loan, the point is this: If, when all costs are factored in, taking out the loan is likely to improve your bottom line — go for it. If the connection between financing and a revenue increase is hazy, take a second look at whether taking out a loan is your best choice.

You want to be confident in your ability to pay back a business loan over time and to see your business succeed. Every business decision involves taking a risk. Ultimately, only you can decide whether that risk is worthwhile.





Greece – Bulgaria: Call for innovative business ideas of young people (SMART

#innovative business ideas

#

European Territorial Cooperation is an Objective of the Cohesion Policy and provides a framework for the exchange of experiences among local and regional actors from across Europe

Development.

European Territorial Cooperation contributes in the transformation of the European regions into strong economic and social poles through the funding of common projects

The team.

Our officers are responsible for the management of five bilateral cross-border Programmes and the national coordination of the seven multilateral Programmes, Greece is participating in

Vision.

More growth and jobs for all regions of the European Union through the promotion of cross-border, transnational and interregional cooperation

Perspective.

European Territorial Cooperation Programmes enhance economic and social cohesion, encouraging balance development and promoting competitiveness

The Business Information and Consulting Centre – Sandanski announces a call for innovative ideas for start-up or development of business by young people with potential and interest in entrepreneurship, new technologies and innovation. The aim of the SMART START-UP competition is to encourage and motivate young people to generate innovative business ideas with potential for further development.

Detailed information concerning the conditions, deadlines and required documents for application can be found here

Please note that the deadline for submission of business ideas is: 29.05.2015, 17:00

This initiative is carried out within the framework of the Project SMART SPECIALIZATION

Events calendar


European Territorial Cooperation Programmes are co-funded by European Union and National Funds of the countries participating in them

Navigate:

Register in Newsletter:

Copyright 2007 – 2016 Interreg
Freelance Web Design and Web Marketing services





Laser Alignment Top Gun Website #rotalign #pro #rental,optalign #plus #rental,rotalign #ultra #rental,rotalign


#

The M3 Bracket System allows Measurement of Positional Change (i.e. Thermal Growth Dynamic Movement) using your existing Rotalign . Rotalign Pro. Rotalign Ultra. Optalign Plus, Aligneo , Optalign smart. smartALIGN . Masterlign Masterlign Basic. We are offering one new set, which currently sells for well over $5,000.00, at a closeout price of only $3,200.00 US.

New M3 Bracket System for sale – $3,200.00 US. Note that Rotalign sensors and the LT 300 Alignment Simulator that the M3 Bracket set is mounted on are not part of the sale. Please click on picture to enlarge.

Bev and I have not been active in new laser sales since 2007 and no longer need our Show Display which we used at Industrial Shows and meetings. This Show Display is a quality reversible, maroon / blue, display which is very portable and can be set up free standing including storage which is underneath the built in table (see the second picture). The upper half of the display separates and can also be set up by itself on a 10′ table. The Show Display ships in four cases by UPS, FedEX but we carried the Show Display to shows and meetings in the back of one of our trucks or our van.

The backlit Header / Banner part of the display can be easily changed by your local sign shop to whatever you need – a Company Name. Church Name or Organization name. The various packard wording you see on the display are for the Pr ftechnik AG products that we had been selling but they can also easily be changed by your local sign shop. If interested, please contact us by email with your best reasonable offer as our Show Display package will be sold soon.

_____________________ _________________ _____________________

In 2007, after 40 years of heavy travel, we changed the pace and the direction of what we do, and look forward to working with our customers to provide:

Laser shaft alignment system Rentals
Used laser shaft alignment systems buy sell
Shim Sets replacement Shim Packs

Sonic Belt Tension Meters
Alignment related tools

We had worked with Ludeca for 21 years covering the Carolinas, Georgia and Eastern Tennessee resigned on June 4th 2007 and ceased our representation as of July 3, 2007.

We have continued to take care of our customers, as we have for 44 years, with technical support including after hours,laser rentals and shims. When you need assistance please call Norm or Bev Voelzow at 704-233-9222 or send us an email !

_____________________ _________________ _____________________

Top Gun . when used with Laser Shaft Alignment, is a registered trademark of Voelzow Company, Inc.

Welcome to our Laser Alignment Top Gun Site. This site is for Shaft Alignment professionals and others who are interested in Laser Shaft Alignment. Our site contains tips, tools and information useful in the field of Laser Shaft Alignment and shaft alignment in general. We conduct training classes for all Rotalign Laser Shaft Alignment systems, all Optalign systems, smartALIGN , Aligneo , pocketALIGN and Masterlign systems in the Southeastern US schedule permitting. Each of our trainers has over 20 years experience in alignment and Laser Shaft Alignment!

We have many rental Rotalign Ultra, Rotalign Pro, Rotalign Standard, Optalign smart, Optalign Plus and Aligneo shaft alignment systems, and have many of the special brackets that you may need also! Find out late in the day that you need to rent a laser for an alignment tomorrow call us as we ship the same day on orders received as late as 6:30 pm Eastern Standard Time!

We are located in rural North Carolina near the towns of Wingate and Marshville (where Randy Travis is from) about 40 miles Southeast of Charlotte not far from RaceCar City or the Charlotte Motor Speedway (Lowe’s now). We rent laser systems, ship SS shim products and all of our other products anywhere in the US. If you are at a Paper Mill, Power Plant, Fiber Plant, Steel Mill, Chemical Plant, Petrochemical Plant or Pipeline – you most probably have a Laser Shaft Alignment system! If you need to rent an additional laser for an outage please give us a call at 704-233-9222 or send us an email !

We are very confident that the information you find on these pages, especially our Laser Tips section, will be a help to you when doing your next alignment. If you have a question, want to make a suggestion, or want to correspond with us, please use the email link or Request Form near the bottom of this page. We welcome your suggestions and questions 24/7!

Have a Great Day! (We are Still Here!)

Voelzow Company, Inc.
4804 Lawyers Road East
Wingate, NC 28174

All text, graphic and photograph files are Copyright Voelzow Company, Inc. – Wingate, North Carolina USA. Reference the Digital Millennium Copyright Act Of 1998.

Top Gun . when used with Laser Shaft Alignment, is a registered trademark of Voelzow Company, Inc Wingate, North Carolina USA.

Note: We have not given anyone or any company permission to use any text from our website on their website or in printed material or for use on an auction site listing etc!

Optalign , Rotalign , smartALIGN , Aligneo and Eddytherm are registered trademarks of Pr ftechnik Alignment Systems GmbH of Munich (Ismaning), Germany the Inventors of laser shaft alignment Visit .


Home Security #home #security #system, #home #security #lafayette #la, #security #systems, #home


#

HOME SECURITY SYSTEMS

SECURITY CAMERAS

Video surveillance is a strong security solution for both home and business owners.

Keep an eye on your children, babysitters, elderly relatives, pets, housekeepers, contractors and other service employees, package deliveries, and more.

Monitor vulnerable spots like front and back entrances, patios, pool areas, storage sheds and others.

Business owners can keep an eye on the premises and watch for suspicious customer or employee activity, reducing fraud, administrative error, and money theft.

When Acadian Total Security installs strategically placed video cameras and connects them to your home security system, you can view live, streaming video or receive real-time alerts of important events when they occur. Be notified as soon as our cameras detect motion.

While there are many security cameras on the market, the benefit of cameras from Acadian Total Security is in the monitoring. If a security threat is present, our certified video analysts respond right away and dispatch the proper authorities if necessary. Learn More

BUSINESS SECURITY

Your finger is always on the pulse of your business. Think you forgot to lock the door to a restricted area? Just reach for your smartphone and check. You can keep an eye on your employees in the front of the store or supervise a delivery via your smart phone or tablet while you’re away.

Acadian Total Security has complete business security options to cover all aspects of your company. We can equip you with burglary protection, loss prevention, fire and carbon monoxide detection, video surveillance and analytics, access control systems, panic and holdup alert systems, remote audio communication devices, video patrols, energy automation and GPS fleet management.

Our expert video monitoring analysts remotely keep watch on your business through virtual guard patrols, video verification, and talk-down or two-way audio. You receive video analytics and hosted video storage. Learn More

GPS FLEET MANAGEMENT

With Acadian Total Security’s fleet management systems you can track vehicle location, speed, usage, and hours of service for any size fleet.

Increase productivity, optimize efficiency, provide driver safety solutions, track eLog, DVIR and hours of service, have flexible technology and offer driver compliance solutions.

Keep your business’ fleet in compliance with regulations, whether you’re a local business or large logistics company.

MEDICAL ALERT SYSTEMS

Acadian Total Security has provided Acadian On Call medical alerts since 1991, giving thousands of seniors freedom and independence while keeping them safe and connected.

Acadian On Call is designed to deliver the help you need, as fast as possible. One press of the pendant or wristband will initiate a call to one of our three certified monitoring centers. Your call will be handled by a certified Emergency Medical Dispatcher who will dispatch EMS responders, if needed, and notify your designated personal contacts.

Our latest medical alert devices include technology like fall detection, which can automatically call our monitoring center without the user pressing the button. Our GPS mobile medical alert goes anywhere you do. In an emergency, our Emergency Medical Dispatchers can determine your location and dispatch the appropriate responders, if necessary.

Get Your Free Quote Today. 1-855-222-3426

(855) 222-3426

Recommend Us Refer-a-Friend

© 2017 Acadian Total Security. All rights reserved.


Overview – FAO – Food and Agriculture Organization of the United Nations


#

FAO.org

Climate-smart agriculture

Climate-Smart Agriculture (CSA) is an approach to help the people who manage agricultural systems respond effectively to climate change. The CSA approach pursues the triple objectives of sustainably increasing productivity and incomes, adapting to climate change and reducing greenhouse gas emissions where possible. This does not imply that every practice applied in every location should produce “triple wins”. Rather the CSA approach seeks to reduce trade-offs and promote synergies by taking these objectives into consideration to inform decisions from the local to the global scales and over short and long time horizons, to derive locally-acceptable solutions.

The majority of the world’s poor live in rural areas and agriculture is their most important income source. Developing the potential to increase the productivity and incomes from smallholder crop, livestock, fish and forest production systems will be the key to achieving global food security over the next twenty years. Climate change is expected to hit developing countries the hardest. Its effects include higher temperatures, changes in precipitation patterns, rising sea levels and more frequent extreme weather events. All of these pose risks for agriculture, food and water supplies. Resilience is therefore a predominant concern. Agriculture is a major source of greenhouse gas emissions. Mitigation can often be a significant co-benefit of actions to strengthen adaptation and enhance food security, and thus mitigation action compatible with national development priorities for agriculture is an important aspect of CSA.

The CSA Approach

CSA is not a set of practices that can be universally applied, but rather an approach that involves different elements embedded in local contexts. CSA relates to actions both on-farm and beyond the farm, and incorporates technologies, policies, institutions and investment.

Different elements of climate-smart agricultural systems include:

  • Management of farms, crops, livestock, aquaculture and capture fisheries to balance near-term food security and livelihoods needs with priorities for adaptation and mitigation.
  • Ecosystem and landscape management to conserve ecosystem services that are important for food security, agricultural development, adaptation and mitigation.
  • Services for farmers and land managers to enable better management of climate risks/impacts and mitigation actions.
  • Changes in the wider food system including demand-side measures and value chain interventions that enhance the benefits of CSA.

Actions to implement a CSA approach include:

1. Expanding the evidence base:

The evidence base is made up of the current and projected effects of climate change in a country, identifying key vulnerabilities in the agricultural sector and for food security, agriculture and the identification of effective adaptation options. It includes estimates of the potential reduction in greenhouse gas emissions (or increased carbon sequestration) generated by adaptation strategies, information on costs and barriers to the adoption of different practices, issues related to the sustainability of production systems and the required policy and institutional responses to overcome them.

2. Supporting enabling policy frameworks:

The approach supports the development of relevant policies, plans, investments and coordination across processes and institutions responsible for agriculture, climate change, food security and land use.

3. Strengthening national and local institutions:

Strong local institutions to empower, enable and motivate farmers are essential. In some cases, efforts also need to be made in building the capacity of national policy makers to participate in international policy fora on climate change and agriculture, and reinforce their engagement with local government authorities.

4. Enhancing financing options:

Innovative financing mechanisms that link and blend climate and agricultural finance and investments from public and private sectors are a key means of implementing CSA. New climate financing instruments such as the Green Climate Fund are currently under development and could be a way of spurring sustainable agricultural development. Strong and all-encompassing Nationally Appropriate Mitigation Actions (NAMAs) and National Adaptation Plans (NAPs) are key national policy instruments important in creating links to national and international sources of finance. National sector budgets and ODA will continue to be the main sources of funding, climate integration into sector planning and budgeting is therefore a prerequisite for successfully addressing climate change.

5. Implementing practices at field level

Farmers are the primary custodians of knowledge about their environment, agro-ecosystems, crops, livestock, and local climatic patterns. Adapting to CSA must be related to local farmers’ knowledge, requirements and priorities. Local projects and institutions support farmers to identify suitable climate-smart options that can be easily adopted and implemented. This, for example has been done through Farmer Field Schools in the United Republic of Tanzania.

Key facts

  • Increase in the frequency and intensity of extreme events is already evident; drought, heavy rainfall and flooding.
  • Following drought, agriculture absorbs up to 84 percent of all economic impacts.
  • Sea level rise and reduced river flow cause increased saltwater intrusion in deltas and estuaries threatening aquaculture.
  • While global emissions from deforestation dropped, emissions from forest degradation (logging, fires etc.) increased from 0.4 to 1.0 Gt CO2 per year between 1990 and 2015.
  • Long-term conversion of grassland and forestland to cropland (and grazing lands) has resulted in global losses of soil carbon.
  • Himalayan snow and ice that provide vast amounts of water for agriculture in Asia are expected to decline by 20 percent by 2030.
  • Agriculture sectors in developing countries absorb 22% (approx.) of economic impact caused by medium/ large scale natural hazards and disasters. Integrating adaptation efforts and finance into these sectors is critical.
  • Adaptation through changes in food production management – especially planting dates, cultivar choice and irrigation have the estimated potential to increase yields by an average of 7-15%.
  • Trade policy must be aligned with climate objectives and ensure that open trade plays its role as an adaptation mechanism without impeding mitigation objectives.

  • Where to Find Smart Short-Term Business Loans #stock #market #websites

    #short term business loans

    #

    Credit Cards

    Banking

    Investing

    Mortgages

    Loans

    Insurance

    Credit Cards

    Banking

    Investing

    Mortgages

    Loans

    Insurance

    Where to Find Smart Short-Term Business Loans

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

    Short-term business loans can get you the funds you need to overcome cash flow gaps, handle emergencies and unexpected expenses or finance a small expansion.

    These loans and lines of credit typically come in amounts from $5,000 to $250,000, carry short repayment terms of a few months to several years, have looser qualifications than long-term loans and provide cash quickly.

    Because short-term business loans generally have high borrowing costs, the smartest approach is to choose financing with the lowest annual percentage rate you can qualify for. Lines of credit are more flexible and generally have shorter repayment periods, while loans tend to offer a longer term.

    Repaying a short-term business loan on time can help you qualify for a long-term business loan in the future. Long-term loans typically come in amounts from $250,000 to $1 million or more, are less expensive and have a repayment period of five to 15 years or longer, making them better suited to a real estate purchase, business acquisition or debt refinancing.

    Short-term lines of credit: Kabbage and Dealstruck

    With Kabbage’s line of credit, you borrow only the money you need and pay fees just on the money you borrow. That flexibility makes it a better option for managing cash flow than for a larger expense such as an expansion. You repay each draw on the line of credit over six or 12 months.

    It’s also fairly easy to qualify (take a look at minimum qualifications below) and a good option for borrowers with bad credit. Although Kabbage does check your credit scores, it doesn’t weigh them as heavily as other factors, such as your average monthly revenue.

    The pitfalls of short-term business loans

    Of course, there are a few disadvantages to short-term business loans that small-business owners should keep in mind:

    Higher cost: They typically carry a higher APR — the total annual cost of borrowing, including all fees and interest — than long-term loans. That’s due to their shorter repayment period, faster funding, looser qualifications (lower credit score and revenue requirements) and the fact that many are unsecured business loans. which don’t require collateral.

    More frequent repayments: Lenders may require you to make loan payments daily or weekly as opposed to monthly. Although these payments are smaller, they can be an issue for businesses that have uneven sales or those that don’t always hold much cash in a bank account. You’ll have to make sure you have enough money in your account to make the payments at all times, or you’ll risk incurring fees or defaulting on the loan.

    Risk of debt trap: The speed and ease of short-term business loans can become addictive. Instead of repaying the debt in full, business owners may be enticed to refinance and roll over the debt into a new loan. But this can result in a debt trap: continual refinancing just to keep up with payments. This is a common issue with merchant cash advances. a costly form of short-term financing that can carry an APR over 300%. If you have several high-interest small-business loans, business debt consolidation may be the solution you need.

    Find and compare the best small-business loans

    NerdWallet has created a comparison tool of the best small-business loans to meet your needs and goals. We gauged lender trustworthiness, market scope and user experience, among other factors, and arranged them by categories that include your revenue and how long you’ve been in business.

    This article was updated June 21, 2016. It was originally published Jan. 12, 2016.

    To get more information about funding options and compare them for your small business, visit NerdWallet’s small-business loans tool. For free, personalized answers to questions about financing your business, visit the Small Business section of NerdWallet’s Ask an Advisor page.

    You may also like

    Lender reviews

    See how different lenders stack up in NerdWallet’s expert reviews

    We want to hear from you and encourage a lively discussion among our users. Please help us keep our site clean and safe by following our posting guidelines. and avoid disclosing personal or sensitive information such as bank account or phone numbers. Any comments posted under NerdWallet’s official account are not reviewed or endorsed by representatives of financial institutions affiliated with the reviewed products, unless explicitly stated otherwise.

    2016 NerdWallet, Inc. All Rights Reserved

    Disclaimer: NerdWallet strives to keep its information accurate and up to date. This information may be different than what you see when you visit a financial institution, service provider or specific product’s site. All financial products, shopping products and services are presented without warranty. When evaluating offers, please review the financial institution’s Terms and Conditions. Pre-qualified offers are not binding. If you find discrepancies with your credit score or information from your credit report, please contact TransUnion® directly.

    Additionally, this site may be compensated through third party advertisers. However, the results of our comparison tools, blog content and editorial reviews are based on objective analysis. For more information, please see our Advertiser Disclosure .





    Where to Find Smart Short-Term Business Loans #business #cards #designs

    #short term business loans

    #

    Credit Cards

    Banking

    Investing

    Mortgages

    Loans

    Insurance

    Credit Cards

    Banking

    Investing

    Mortgages

    Loans

    Insurance

    Where to Find Smart Short-Term Business Loans

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

    Short-term business loans can get you the funds you need to overcome cash flow gaps, handle emergencies and unexpected expenses or finance a small expansion.

    These loans and lines of credit typically come in amounts from $5,000 to $250,000, carry short repayment terms of a few months to several years, have looser qualifications than long-term loans and provide cash quickly.

    Because short-term business loans generally have high borrowing costs, the smartest approach is to choose financing with the lowest annual percentage rate you can qualify for. Lines of credit are more flexible and generally have shorter repayment periods, while loans tend to offer a longer term.

    Repaying a short-term business loan on time can help you qualify for a long-term business loan in the future. Long-term loans typically come in amounts from $250,000 to $1 million or more, are less expensive and have a repayment period of five to 15 years or longer, making them better suited to a real estate purchase, business acquisition or debt refinancing.

    Short-term lines of credit: Kabbage and Dealstruck

    With Kabbage’s line of credit, you borrow only the money you need and pay fees just on the money you borrow. That flexibility makes it a better option for managing cash flow than for a larger expense such as an expansion. You repay each draw on the line of credit over six or 12 months.

    It’s also fairly easy to qualify (take a look at minimum qualifications below) and a good option for borrowers with bad credit. Although Kabbage does check your credit scores, it doesn’t weigh them as heavily as other factors, such as your average monthly revenue.

    The pitfalls of short-term business loans

    Of course, there are a few disadvantages to short-term business loans that small-business owners should keep in mind:

    Higher cost: They typically carry a higher APR — the total annual cost of borrowing, including all fees and interest — than long-term loans. That’s due to their shorter repayment period, faster funding, looser qualifications (lower credit score and revenue requirements) and the fact that many are unsecured business loans. which don’t require collateral.

    More frequent repayments: Lenders may require you to make loan payments daily or weekly as opposed to monthly. Although these payments are smaller, they can be an issue for businesses that have uneven sales or those that don’t always hold much cash in a bank account. You’ll have to make sure you have enough money in your account to make the payments at all times, or you’ll risk incurring fees or defaulting on the loan.

    Risk of debt trap: The speed and ease of short-term business loans can become addictive. Instead of repaying the debt in full, business owners may be enticed to refinance and roll over the debt into a new loan. But this can result in a debt trap: continual refinancing just to keep up with payments. This is a common issue with merchant cash advances. a costly form of short-term financing that can carry an APR over 300%. If you have several high-interest small-business loans, business debt consolidation may be the solution you need.

    Find and compare the best small-business loans

    NerdWallet has created a comparison tool of the best small-business loans to meet your needs and goals. We gauged lender trustworthiness, market scope and user experience, among other factors, and arranged them by categories that include your revenue and how long you’ve been in business.

    This article was updated June 21, 2016. It was originally published Jan. 12, 2016.

    To get more information about funding options and compare them for your small business, visit NerdWallet’s small-business loans tool. For free, personalized answers to questions about financing your business, visit the Small Business section of NerdWallet’s Ask an Advisor page.

    You may also like

    Lender reviews

    See how different lenders stack up in NerdWallet’s expert reviews

    We want to hear from you and encourage a lively discussion among our users. Please help us keep our site clean and safe by following our posting guidelines. and avoid disclosing personal or sensitive information such as bank account or phone numbers. Any comments posted under NerdWallet’s official account are not reviewed or endorsed by representatives of financial institutions affiliated with the reviewed products, unless explicitly stated otherwise.

    2016 NerdWallet, Inc. All Rights Reserved

    Disclaimer: NerdWallet strives to keep its information accurate and up to date. This information may be different than what you see when you visit a financial institution, service provider or specific product’s site. All financial products, shopping products and services are presented without warranty. When evaluating offers, please review the financial institution’s Terms and Conditions. Pre-qualified offers are not binding. If you find discrepancies with your credit score or information from your credit report, please contact TransUnion® directly.

    Additionally, this site may be compensated through third party advertisers. However, the results of our comparison tools, blog content and editorial reviews are based on objective analysis. For more information, please see our Advertiser Disclosure .





    Greece – Bulgaria: Call for innovative business ideas of young people (SMART

    #innovative business ideas

    #

    European Territorial Cooperation is an Objective of the Cohesion Policy and provides a framework for the exchange of experiences among local and regional actors from across Europe

    Development.

    European Territorial Cooperation contributes in the transformation of the European regions into strong economic and social poles through the funding of common projects

    The team.

    Our officers are responsible for the management of five bilateral cross-border Programmes and the national coordination of the seven multilateral Programmes, Greece is participating in

    Vision.

    More growth and jobs for all regions of the European Union through the promotion of cross-border, transnational and interregional cooperation

    Perspective.

    European Territorial Cooperation Programmes enhance economic and social cohesion, encouraging balance development and promoting competitiveness

    The Business Information and Consulting Centre – Sandanski announces a call for innovative ideas for start-up or development of business by young people with potential and interest in entrepreneurship, new technologies and innovation. The aim of the SMART START-UP competition is to encourage and motivate young people to generate innovative business ideas with potential for further development.

    Detailed information concerning the conditions, deadlines and required documents for application can be found here

    Please note that the deadline for submission of business ideas is: 29.05.2015, 17:00

    This initiative is carried out within the framework of the Project SMART SPECIALIZATION

    Events calendar


    European Territorial Cooperation Programmes are co-funded by European Union and National Funds of the countries participating in them

    Navigate:

    Register in Newsletter:

    Copyright 2007 – 2016 Interreg
    Freelance Web Design and Web Marketing services





    6 Smart Budgeting Tips for Small Business Owners #business #card #holders

    #small business tips

    #

    6 Smart Budgeting Tips for Small Business Owners

    If you run a small business, it s likely that you re operating on a relatively limited budget. Whether you bootstrapped your business or are trying to pay back loans you took out to cover your startup costs, it s in your best interest to conserve money wherever you can.

    Without a thorough budget plan, however, it can be difficult to track and manage your finances. This is especially true for any unexpected business expenses that may come up, as they often do. A 2015 survey by small business credit provider Headway Capital found that although 57 percent of small business owners anticipated growth this year, nearly 19 percent were concerned about how unexpected expenses would impact their business.

    If you want to keep your business operating in the black, you ll need to account for both fixed and unplanned costs, and then create and stick to a solid budget. Experts offered their advice for small business owners looking to keep their finances in order. [4 Tips for Reducing Startup Costs]

    Define and understand your risks

    Every business venture has a certain degree of risk involved, and all of those risks have the potential for a financial impact on your company. Paul Cho, managing director of Headway Capital, said that small business owners need to consider their long- and short-term risks to accurately plan for their financial future.

    How will changes in minimum wage or health care requirements impact your workforce? Cho said. Do you operate in a geography at high risk of a natural disaster? Do you rely heavily on seasonal workers? Understanding the potential risks facing you on a short- and long-term basis is important for all small businesses. Once you ve mapped out the threats to productivity, a clearer picture can be built around emergency planning, insurance needs, etc.

    Overestimate your expenses

    If your business operates on a project-to-project basis, you know that every client is different and no two projects will turn out exactly the same. This means that often, you can t predict when something is going to go over budget.

    Every project seems to have a one-time cost that was never anticipated, said James Ontra, CEO of presentation management company Shufflrr. It usually is that one unique extra item [that is] necessary to the job, but [was] not anticipated when bidding the job.

    For this reason, Ontra advised budgeting slightly above your anticipated line-item costs, no matter what, so that if you do go over, you won t be fully unprepared.

    I go by the cost-moon-stars theory, he said. If you think it will cost the moon, expect to pay the stars.

    Pay attention to your sales cycle

    Many businesses go through busy and slow periods over the course of the year. If your company has an off-season , you ll need to account for your expenses during that time. Cho also suggested using your slower periods to think of ways to plan ahead for your next sales boom.

    There is much to be learned from your sales cycles, he said. Use your downtime to ramp up your marketing efforts while preventing profit generation from screeching to a halt. In order to keep your company thriving and the revenue coming in, you will have to identify how to market to your customers in new and creative ways.

    Plan for large purchases carefully and early

    Some large business expenses occur when you least expect them a piece of equipment breaks and needs to be replaced or your delivery van needs a costly repair, for instance. However, planned expenses like store renovations or a new software system should be carefully timed and budgeted to avoid a huge financial burden on your business.

    Substantial business changes need to be timed carefully, balancing the risk with the reward and done with a full understanding of the financial landscape you re operating within, Cho told Business News Daily. An up-to-date budget and data-driven financial projections are important components that help guide when to make large investments in your business.

    Remember that time is money, too

    One of the biggest mistakes small businesses make is forgetting to incorporate their time into a budget plan. Ontra reminded business owners that time is money, especially when working with people who are paid for their time.

    Timing underestimation directly increases costs, Ontra said. For us, the biggest underestimation is allotting time for client feedback. It is a Herculean effort sometimes to meet a deadline with lots of people focused on a single task. Then, the client needs to give feedback for us to proceed. If the client is distracted with other issues, feedback planned for a three-day turnaround, can become a week or longer. Not only do you start to lose time to the delivery schedule, your team also loses momentum as their collective thought shifts focus to another project.

    Ontra recommended treating your time like your money, and set external deadlines later than when you think the project will actually be done.

    If you believe the project will finish on Friday, promise delivery on Monday, he said. So, if you finish on Friday, deliver the work early and become a star. If for some reason time runs over, deliver on Monday and you are still a success.

    Constantly revisit your budget

    Your budget will never be static or consistent it will change and evolve along with your business, and you ll need to keep adjusting it based on your growth and profit patterns. Cho suggested revising your monthly and annual budgets regularly to get a clearer, updated picture of your business finances.

    Regularly revisiting your budget will help you better control financial decisions because you will know exactly what you can afford to spend versus how much you are projecting to make, Cho said. Take into account market trends from the previous year to help you determine what this year may look like. Once you have a clear understanding of your business s budgetary needs, you can accurately forecast what can be set aside for an emergency fund or unexpected costs.

    Nicole Fallon Taylor

    Nicole received her Bachelor s degree in Media, Culture and Communication from New York University. She began freelancing for Business News Daily in 2010 and joined the team as a staff writer three years later. She currently serves as the assistant editor. Reach her by email. or follow her on Twitter .

    You May Also like

    What is Zero-based Budgeting?

  • Organization is Key to Managing Business Finances

  • Don t Burn Through Your IT Budget: 5 Ways to Save Money





  • Internet security for Windows – ESET #eset #smart #security #update


    #

    ESET Internet Security

    Award-winning antivirus for Windows

    Proactive protection against all types of online and offline threats with Antivirus and Antispyware. Stay safe from viruses and spyware

    Receive free support by email or telephone in your local language, wherever you are. Enjoy free support

    Automatically secures transactions on internet banking sites, and helps to protect you on online payment gateways. Bank and shop online more safely

    Personal Firewall prevents hackers from gaining access to your computer and keeps you invisible when you use public Wi-Fi. Stop hackers from accessing your PC

    Block unwanted internet content by categories or individual websites and keep your kids safe online with Parental Control. Keep your kids safe online

    Get an alert when anyone tries to access your webcam, and check your home router for vulnerabilities. Safer webcam and home router

    Safely store, generate and prefill your passwords, and encrypt your files and removable media (USB keys). Safely store passwords, and encrypt your data

    Includes protection for smartphones and tablets. Secure your smartphones and tablets

    Mix and match security protection for up to 3 or 5 devices Protect all of your devices

    Award-winning antivirus for Windows

    All-round internet security for Windows

    Proactive protection against all types of online and offline threats with Antivirus and Antispyware. Stay safe from viruses and spyware

    Receive free support by email or telephone in your local language, wherever you are. Enjoy free support

    Automatically secures transactions on internet banking sites, and helps to protect you on online payment gateways. Bank and shop online more safely

    Personal Firewall prevents hackers from gaining access to your computer and keeps you invisible when you use public Wi-Fi. Stop hackers from accessing your PC

    Block unwanted internet content by categories or individual websites and keep your kids safe online with Parental Control. Keep your kids safe online

    Get an alert when anyone tries to access your webcam, and check your home router for vulnerabilities. Safer webcam and home router

    Safely store, generate and prefill your passwords, and encrypt your files and removable media (USB keys). Safely store passwords, and encrypt your data

    Includes protection for smartphones and tablets. Secure your smartphones and tablets

    Mix and match security protection for up to 3 or 5 devices Protect all of your devices

    All-round internet security for Windows

    One security pack for all your devices

    Proactive protection against all types of online and offline threats with Antivirus and Antispyware. Stay safe from viruses and spyware

    Receive free support by email or telephone in your local language, wherever you are. Enjoy free support

    Automatically secures transactions on internet banking sites, and helps to protect you on online payment gateways. Bank and shop online more safely

    Personal Firewall prevents hackers from gaining access to your computer and keeps you invisible when you use public Wi-Fi. Stop hackers from accessing your PC

    Block unwanted internet content by categories or individual websites and keep your kids safe online with Parental Control. Keep your kids safe online

    Get an alert when anyone tries to access your webcam, and check your home router for vulnerabilities. Safer webcam and home router

    Safely store, generate and prefill your passwords, and encrypt your files and removable media (USB keys). Safely store passwords, and encrypt your data

    Includes protection for smartphones and tablets. Secure your smartphones and tablets

    Mix and match security protection for up to 3 or 5 devices Protect all of your devices

    One security pack for all your devices

    Premium internet security for Windows

    Proactive protection against all types of online and offline threats with Antivirus and Antispyware. Stay safe from viruses and spyware

    Receive free support by email or telephone in your local language, wherever you are. Enjoy free support

    Automatically secures transactions on internet banking sites, and helps to protect you on online payment gateways. Bank and shop online more safely

    Personal Firewall prevents hackers from gaining access to your computer and keeps you invisible when you use public Wi-Fi. Stop hackers from accessing your PC

    Block unwanted internet content by categories or individual websites and keep your kids safe online with Parental Control. Keep your kids safe online

    Get an alert when anyone tries to access your webcam, and check your home router for vulnerabilities. Safer webcam and home router

    Safely store, generate and prefill your passwords, and encrypt your files and removable media (USB keys). Safely store passwords, and encrypt your data

    Includes protection for smartphones and tablets. Secure your smartphones and tablets

    Mix and match security protection for up to 3 or 5 devices Protect all of your devices

    Premium internet security for Windows


    The World – s Coolest Business Card Holder – Smart Armor Tech

    #business card holder

    #

    The World s Coolest Business Card Holder

    Business card holders – who really puts a lot of thought into these? Well, people who work in offices certainly do. Patrick Bateman most certainly does. If you are in a sales capacity, I can’t imagine you not keeping a few business cards always at the ready. There are even professions that are essentially a part of sales that some employees don’t know. If you are in a customer facing position, or are adept at speaking persuasively to strangers you meet at the grocery store about the product or service your company provides, you are in sales! So that means that even you need to start carrying some business cards.

    If you are going to carry business cards, you will need a good place to keep them. A wallet is not adequate for carrying a large number of business cards, not to mention that wallets are often very hard on whatever is placed within them. Your beautiful business cards will have folded corners, lint, and ink smudges pretty soon. Business card boxes are the way to go.

    There are tons of styles to consider when buying a business card holder for men or women. The Best Wallet 2015 website has a great updated list for some of the world’s coolest business card holders. The styles range from soft to hard, leather to metal, and all are sleek and stylish in their own way. We are biased, but we think the Smart Armor Safe would make the best business card holder for men. It’s tough enough to protect your business cards, and opens up via Bluetooth for a cool and dramatic presentation!

    So, have you checked the business card holder list? http://bestwallet2015.com/beautiful-best-business-card-holder-for-men/
    Which is your favorite and what qualities do you look for in a business card holder? Please comment below.

    Share This Story, Choose Your Platform!

    Leave A Comment Cancel reply

    What is Smart Armor®?

    Smart Armor® is an IOT company that provides Bluetooth enabled micro-locking systems integrated into valuable physical objects controlled via mobile device.

    Our Products





    6 Smart Reasons to Get a Business Loan #business #loan #interest #rates

    #getting a business loan

    #

    6 Smart Reasons to Get a Business Loan

    Co-founder and CEO, Fundera

    November 9, 2015

    Spreading the word that you re considering a loan for your business can be met with all kinds of opinions. From general naysayers to cautionary anecdotes, everyone you meet will have a story as to what might happen if you take out a loan to start or expand your business venture.

    While it s true that not every reason is a good reason to go into debt for your business, that doesn t mean that good reasons don t exist. If your business is ready to take a leap, but you don t have the working capital to do so, here are six reasons you might re-consider applying for a small business loan .

    1. You re ready to expand your physical location.

    Your cubicles are busting at the seams, and your new assistant had to set up shop in the kitchen. Sounds like you ve outgrown your initial office location. Or maybe you run a restaurant or retail store, and you have more customers in and out than you can fit inside your space.

    This is great news! It likely means business is booming, and you re ready to expand. But just because your business is ready for expansion, doesn t mean you have the cash on hand to make it happen.

    In these cases, you may need a term loan to finance your big move. Whether it s adding an additional location or picking up and moving, the up-front cost and change in overhead will be significant.

    Before you commit, take steps to measure the potential change in revenue that could come from expanding your space. Could you cover your loan costs and still make a profit? Use a revenue forecast along with your existing balance sheet to see how the move would impact your bottom line. And if you re talking about a second retail location, research the area you want to set up shop to make sure it s a good fit for your target market.

    2. You re building credit for the future.

    If you re planning to apply for larger-scale financing for your business in the next few years, the case can be made for starting with a smaller, short-term loan in order to build your business credit.

    Young businesses can often have a hard time qualifying for larger loans if both the business and the owners don t have a strong credit history to report. Taking out a smaller loan and making regular on-time payments will build your business s credit for the future.

    This tactic may also help you build relationships with a specific lender, giving you a connection to go back to when you re ready for that bigger loan. Be careful here, though, and don t take on an early loan you can t afford. Even one late payment on your smaller loan could make your chances of qualifying for future funding even worse than if you d never applied for the small loan at all.

    3. You need equipment for your business.

    Purchasing equipment that can improve your business offering is typically a no brainer for financing. You need certain machinery, IT equipment or other tools to make your product or perform your service, and you need a loan to finance that equipment. Plus, if you take out equipment financing. the equipment itself can often serve as collateral for a loan — similarly to a car loan.

    Before you take out an equipment loan, make sure you re separating the actual needs from the nice-to-haves when it comes to your bottom line. Yes, your employees probably would love a margarita machine. But unless you happen to be running a Mexican Cantina, that particular equipment may not be your business s best investment.

    4. You want to purchase more inventory.

    Inventory is one of the biggest expenses for any business. Similar to equipment purchases, you need to keep up with the demand by replenishing your inventory with plentiful and high-quality options. This can prove difficult at times when you need to purchase large amounts of inventory before seeing a return on the investment.

    Especially if you have a seasonal business, there are times when you may need to purchase a large amount of inventory without the cash on hand to do so. Slow seasons precede holiday seasons or tourist seasons — necessitating a loan to purchase the inventory before making a profit off it.

    In order to measure whether this would be a wise financial move for your business, create a sales projection based on past years sales around that same time. Calculate the cost of the debt and compare that number to your total projected sales to determine whether taking an inventory loan is a wise financial move. Keep in mind that sales figures can vary widely from year to year, so be conservative and consider multiple years of sales figures in your projection.

    5. You ve found a business opportunity that outweighs the potential debt.

    Every now and then, an opportunity falls into your lap that is just too good to pass up — or so it seems, at least. Maybe you have a chance to order inventory in bulk at a discount, or you found a steal on an expanded retail space. In these instances, determining the return on investment of the opportunity requires weighing the cost of the loan versus the revenue you stand to generate through the available opportunity.

    Let s say for instance, you run a business where you get a commercial contract for $20,000. The trouble is, you don t have the equipment to complete the job. Purchasing the necessary equipment would cost you about $5,000. If you took out a two-year loan on the equipment, paying a total of $1,000 in interest, your profits would still be $14,000.

    If the potential return on investment outweighs the debt, go for it! But be careful with your calculations. More than one entrepreneur has been guilty of underestimating true costs or overestimating profits as a product of over-enthusiasm. When you re weighing the pros and cons, it often helps to perform a revenue forecast to make sure you re basing your decisions on hard numbers rather than gut instinct.

    6. Your business needs fresh talent.

    When working at a startup or small business, you wear a lot of hats. But there comes a time when doing the bookkeeping, fundraising, marketing and customer service may start to wear on you — and your business. If your small team is doing too many things, something will eventually fall through the cracks and compromise your business model.

    Some businesses choose to invest their money in their talent, believing that this is one way to keep their business competitive and innovative. This can be a great move, if there s a clear connection between the hiring decision and an increase in revenue. But if having an extra set of hands around helps you focus on the big picture, that alone may be worth the loan cost.

    Regardless of the exact reason you re considering a business loan, the point is this: If, when all costs are factored in, taking out the loan is likely to improve your bottom line — go for it. If the connection between financing and a revenue increase is hazy, take a second look at whether taking out a loan is your best choice.

    You want to be confident in your ability to pay back a business loan over time and to see your business succeed. Every business decision involves taking a risk. Ultimately, only you can decide whether that risk is worthwhile.





    Where to Find Smart Short-Term Business Loans #green #business

    #short term business loans

    #

    Credit Cards

    Banking

    Investing

    Mortgages

    Loans

    Insurance

    Credit Cards

    Banking

    Investing

    Mortgages

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    Where to Find Smart Short-Term Business Loans

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

    Short-term business loans can get you the funds you need to overcome cash flow gaps, handle emergencies and unexpected expenses or finance a small expansion.

    These loans and lines of credit typically come in amounts from $5,000 to $250,000, carry short repayment terms of a few months to several years, have looser qualifications than long-term loans and provide cash quickly.

    Because short-term business loans generally have high borrowing costs, the smartest approach is to choose financing with the lowest annual percentage rate you can qualify for. Lines of credit are more flexible and generally have shorter repayment periods, while loans tend to offer a longer term.

    Repaying a short-term business loan on time can help you qualify for a long-term business loan in the future. Long-term loans typically come in amounts from $250,000 to $1 million or more, are less expensive and have a repayment period of five to 15 years or longer, making them better suited to a real estate purchase, business acquisition or debt refinancing.

    Short-term lines of credit: Kabbage and Dealstruck

    With Kabbage’s line of credit, you borrow only the money you need and pay fees just on the money you borrow. That flexibility makes it a better option for managing cash flow than for a larger expense such as an expansion. You repay each draw on the line of credit over six or 12 months.

    It’s also fairly easy to qualify (take a look at minimum qualifications below) and a good option for borrowers with bad credit. Although Kabbage does check your credit scores, it doesn’t weigh them as heavily as other factors, such as your average monthly revenue.

    The pitfalls of short-term business loans

    Of course, there are a few disadvantages to short-term business loans that small-business owners should keep in mind:

    Higher cost: They typically carry a higher APR — the total annual cost of borrowing, including all fees and interest — than long-term loans. That’s due to their shorter repayment period, faster funding, looser qualifications (lower credit score and revenue requirements) and the fact that many are unsecured business loans. which don’t require collateral.

    More frequent repayments: Lenders may require you to make loan payments daily or weekly as opposed to monthly. Although these payments are smaller, they can be an issue for businesses that have uneven sales or those that don’t always hold much cash in a bank account. You’ll have to make sure you have enough money in your account to make the payments at all times, or you’ll risk incurring fees or defaulting on the loan.

    Risk of debt trap: The speed and ease of short-term business loans can become addictive. Instead of repaying the debt in full, business owners may be enticed to refinance and roll over the debt into a new loan. But this can result in a debt trap: continual refinancing just to keep up with payments. This is a common issue with merchant cash advances. a costly form of short-term financing that can carry an APR over 300%. If you have several high-interest small-business loans, business debt consolidation may be the solution you need.

    Find and compare the best small-business loans

    NerdWallet has created a comparison tool of the best small-business loans to meet your needs and goals. We gauged lender trustworthiness, market scope and user experience, among other factors, and arranged them by categories that include your revenue and how long you’ve been in business.

    This article was updated June 21, 2016. It was originally published Jan. 12, 2016.

    To get more information about funding options and compare them for your small business, visit NerdWallet’s small-business loans tool. For free, personalized answers to questions about financing your business, visit the Small Business section of NerdWallet’s Ask an Advisor page.

    You may also like

    Lender reviews

    See how different lenders stack up in NerdWallet’s expert reviews

    We want to hear from you and encourage a lively discussion among our users. Please help us keep our site clean and safe by following our posting guidelines. and avoid disclosing personal or sensitive information such as bank account or phone numbers. Any comments posted under NerdWallet’s official account are not reviewed or endorsed by representatives of financial institutions affiliated with the reviewed products, unless explicitly stated otherwise.

    2016 NerdWallet, Inc. All Rights Reserved

    Disclaimer: NerdWallet strives to keep its information accurate and up to date. This information may be different than what you see when you visit a financial institution, service provider or specific product’s site. All financial products, shopping products and services are presented without warranty. When evaluating offers, please review the financial institution’s Terms and Conditions. Pre-qualified offers are not binding. If you find discrepancies with your credit score or information from your credit report, please contact TransUnion® directly.

    Additionally, this site may be compensated through third party advertisers. However, the results of our comparison tools, blog content and editorial reviews are based on objective analysis. For more information, please see our Advertiser Disclosure .





    Where to Find Smart Short-Term Business Loans #home #business #opportunity

    #short term business loans

    #

    Credit Cards

    Banking

    Investing

    Mortgages

    Loans

    Insurance

    Credit Cards

    Banking

    Investing

    Mortgages

    Loans

    Insurance

    Where to Find Smart Short-Term Business Loans

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

    Short-term business loans can get you the funds you need to overcome cash flow gaps, handle emergencies and unexpected expenses or finance a small expansion.

    These loans and lines of credit typically come in amounts from $5,000 to $250,000, carry short repayment terms of a few months to several years, have looser qualifications than long-term loans and provide cash quickly.

    Because short-term business loans generally have high borrowing costs, the smartest approach is to choose financing with the lowest annual percentage rate you can qualify for. Lines of credit are more flexible and generally have shorter repayment periods, while loans tend to offer a longer term.

    Repaying a short-term business loan on time can help you qualify for a long-term business loan in the future. Long-term loans typically come in amounts from $250,000 to $1 million or more, are less expensive and have a repayment period of five to 15 years or longer, making them better suited to a real estate purchase, business acquisition or debt refinancing.

    Short-term lines of credit: Kabbage and Dealstruck

    With Kabbage’s line of credit, you borrow only the money you need and pay fees just on the money you borrow. That flexibility makes it a better option for managing cash flow than for a larger expense such as an expansion. You repay each draw on the line of credit over six or 12 months.

    It’s also fairly easy to qualify (take a look at minimum qualifications below) and a good option for borrowers with bad credit. Although Kabbage does check your credit scores, it doesn’t weigh them as heavily as other factors, such as your average monthly revenue.

    The pitfalls of short-term business loans

    Of course, there are a few disadvantages to short-term business loans that small-business owners should keep in mind:

    Higher cost: They typically carry a higher APR — the total annual cost of borrowing, including all fees and interest — than long-term loans. That’s due to their shorter repayment period, faster funding, looser qualifications (lower credit score and revenue requirements) and the fact that many are unsecured business loans. which don’t require collateral.

    More frequent repayments: Lenders may require you to make loan payments daily or weekly as opposed to monthly. Although these payments are smaller, they can be an issue for businesses that have uneven sales or those that don’t always hold much cash in a bank account. You’ll have to make sure you have enough money in your account to make the payments at all times, or you’ll risk incurring fees or defaulting on the loan.

    Risk of debt trap: The speed and ease of short-term business loans can become addictive. Instead of repaying the debt in full, business owners may be enticed to refinance and roll over the debt into a new loan. But this can result in a debt trap: continual refinancing just to keep up with payments. This is a common issue with merchant cash advances. a costly form of short-term financing that can carry an APR over 300%. If you have several high-interest small-business loans, business debt consolidation may be the solution you need.

    Find and compare the best small-business loans

    NerdWallet has created a comparison tool of the best small-business loans to meet your needs and goals. We gauged lender trustworthiness, market scope and user experience, among other factors, and arranged them by categories that include your revenue and how long you’ve been in business.

    This article was updated June 21, 2016. It was originally published Jan. 12, 2016.

    To get more information about funding options and compare them for your small business, visit NerdWallet’s small-business loans tool. For free, personalized answers to questions about financing your business, visit the Small Business section of NerdWallet’s Ask an Advisor page.

    You may also like

    Lender reviews

    See how different lenders stack up in NerdWallet’s expert reviews

    We want to hear from you and encourage a lively discussion among our users. Please help us keep our site clean and safe by following our posting guidelines. and avoid disclosing personal or sensitive information such as bank account or phone numbers. Any comments posted under NerdWallet’s official account are not reviewed or endorsed by representatives of financial institutions affiliated with the reviewed products, unless explicitly stated otherwise.

    2016 NerdWallet, Inc. All Rights Reserved

    Disclaimer: NerdWallet strives to keep its information accurate and up to date. This information may be different than what you see when you visit a financial institution, service provider or specific product’s site. All financial products, shopping products and services are presented without warranty. When evaluating offers, please review the financial institution’s Terms and Conditions. Pre-qualified offers are not binding. If you find discrepancies with your credit score or information from your credit report, please contact TransUnion® directly.

    Additionally, this site may be compensated through third party advertisers. However, the results of our comparison tools, blog content and editorial reviews are based on objective analysis. For more information, please see our Advertiser Disclosure .





    The World – s Coolest Business Card Holder – Smart Armor Tech

    #business card holder

    #

    The World s Coolest Business Card Holder

    Business card holders – who really puts a lot of thought into these? Well, people who work in offices certainly do. Patrick Bateman most certainly does. If you are in a sales capacity, I can’t imagine you not keeping a few business cards always at the ready. There are even professions that are essentially a part of sales that some employees don’t know. If you are in a customer facing position, or are adept at speaking persuasively to strangers you meet at the grocery store about the product or service your company provides, you are in sales! So that means that even you need to start carrying some business cards.

    If you are going to carry business cards, you will need a good place to keep them. A wallet is not adequate for carrying a large number of business cards, not to mention that wallets are often very hard on whatever is placed within them. Your beautiful business cards will have folded corners, lint, and ink smudges pretty soon. Business card boxes are the way to go.

    There are tons of styles to consider when buying a business card holder for men or women. The Best Wallet 2015 website has a great updated list for some of the world’s coolest business card holders. The styles range from soft to hard, leather to metal, and all are sleek and stylish in their own way. We are biased, but we think the Smart Armor Safe would make the best business card holder for men. It’s tough enough to protect your business cards, and opens up via Bluetooth for a cool and dramatic presentation!

    So, have you checked the business card holder list? http://bestwallet2015.com/beautiful-best-business-card-holder-for-men/
    Which is your favorite and what qualities do you look for in a business card holder? Please comment below.

    Share This Story, Choose Your Platform!

    Leave A Comment Cancel reply

    What is Smart Armor®?

    Smart Armor® is an IOT company that provides Bluetooth enabled micro-locking systems integrated into valuable physical objects controlled via mobile device.

    Our Products





    Boost Your Real Estate Business With Smart Real Estate Management Software #start

    #real estate business

    #

    Boost Your Real Estate Business With Smart Real Estate Management Software

    Due to its eye popping attractions, glamorous lifestyle, and internationally acclaimed real estate, Dubai stands as being one of the strongest hubs for real estate agents. The ever-expanding construction projects in the UAE have brought rise to hundreds of real estate agencies that are focused on bringing a world-class experience to anyone buying property in the UAE.

    Available real estate in areas such as Business Bay, Arabian Ranches, Dubai Marina, The Palm Jumeirah, Downtown Dubai, Al Warqaa, Jumeirah Lake Towers (JLT) and many others are being offered by real estate agents to not only those living in Dubai, but all over the world.

    What are Real estate websites why are they used?

    Real estate websites are known to provide a database of available property, villas, apartment, land, etc. to anyone seeking looking to purchase.

    For real estate agents and brokers, it is becoming challenging to deal with the increasing traffic on their real estate websites. This has resulted in web development companies developing what is known as real estate management software. This software has been created to help manage the overwhelming records and data of property being offered on a relator’s website.

    Some known property management software:

    Many companies that work on web application development are hence developing property management software that is used by real estate agents to facilitate their business. AppFolio Property Manager, MRI Residential Management, Propertyware and roomMaster are some of such software that is widely used, more can be found here.

    Benefits of Using Real Estate Management Software

    Real estate management software provides a platform to manage properties, payments, accounting, selling record and all such utilities at one place no matter what platform you are accessing from (phone, tablet, PC). It provides you the tools that you need to manage your real estate.

    It includes management tools that are helpful in managing your properties in less time thus allowing you to focus your time on revenue optimization by offering a self-automated process. They are designed to facilitate leasing, renting, and purchasing activities carried out in one place.

    These platforms are also helpful in networking with thousands of property management companies, investors, real estate managers and others worldwide. This will help you to promote your property as well as enhance sales and attract more visitors to your business.

    Real estate applications are used to help businesses become more organized while also increasing productivity. This software offers website integration, smart electronic payments, and online file management along with recurring transactions.

    Property management software is also used to speed up the working process of property selling or renting by tracking multiple accounts. This process shortens the document processing time by offering maximum credibility to maintain data confidentially.

    For real estate in Dubai, the property management software mentioned above is helpful in boosting your business with automatic and built-in features. At eTek Studio, our services offer web development in Dubai that also includes the designing and development of real estate management software.

    Call us now to get your property management software professionally developed by eTek Studio.

    Submit your comments Cancel reply





    Boost Your Real Estate Business With Smart Real Estate Management Software #financing

    #real estate business

    #

    Boost Your Real Estate Business With Smart Real Estate Management Software

    Due to its eye popping attractions, glamorous lifestyle, and internationally acclaimed real estate, Dubai stands as being one of the strongest hubs for real estate agents. The ever-expanding construction projects in the UAE have brought rise to hundreds of real estate agencies that are focused on bringing a world-class experience to anyone buying property in the UAE.

    Available real estate in areas such as Business Bay, Arabian Ranches, Dubai Marina, The Palm Jumeirah, Downtown Dubai, Al Warqaa, Jumeirah Lake Towers (JLT) and many others are being offered by real estate agents to not only those living in Dubai, but all over the world.

    What are Real estate websites why are they used?

    Real estate websites are known to provide a database of available property, villas, apartment, land, etc. to anyone seeking looking to purchase.

    For real estate agents and brokers, it is becoming challenging to deal with the increasing traffic on their real estate websites. This has resulted in web development companies developing what is known as real estate management software. This software has been created to help manage the overwhelming records and data of property being offered on a relator’s website.

    Some known property management software:

    Many companies that work on web application development are hence developing property management software that is used by real estate agents to facilitate their business. AppFolio Property Manager, MRI Residential Management, Propertyware and roomMaster are some of such software that is widely used, more can be found here.

    Benefits of Using Real Estate Management Software

    Real estate management software provides a platform to manage properties, payments, accounting, selling record and all such utilities at one place no matter what platform you are accessing from (phone, tablet, PC). It provides you the tools that you need to manage your real estate.

    It includes management tools that are helpful in managing your properties in less time thus allowing you to focus your time on revenue optimization by offering a self-automated process. They are designed to facilitate leasing, renting, and purchasing activities carried out in one place.

    These platforms are also helpful in networking with thousands of property management companies, investors, real estate managers and others worldwide. This will help you to promote your property as well as enhance sales and attract more visitors to your business.

    Real estate applications are used to help businesses become more organized while also increasing productivity. This software offers website integration, smart electronic payments, and online file management along with recurring transactions.

    Property management software is also used to speed up the working process of property selling or renting by tracking multiple accounts. This process shortens the document processing time by offering maximum credibility to maintain data confidentially.

    For real estate in Dubai, the property management software mentioned above is helpful in boosting your business with automatic and built-in features. At eTek Studio, our services offer web development in Dubai that also includes the designing and development of real estate management software.

    Call us now to get your property management software professionally developed by eTek Studio.

    Submit your comments Cancel reply





    Professional Business Attire for Men – Elegant and Smart #business #continuity

    #business attire

    #

    Professional Business Attire for Men Elegant and Smart

    Professional business attire for men

    Professional business attire for men.

    There are two kinds of a guy, the one who wants to look professional, whereas, the other category belongs to the ones who don t care much about their personal grooming. They don t like following business standards, rather, go for anything they like or see. But is it really OK? Well, I don t think so. To be a professional business man, there are certain code of conducts which you should follow. Like wearing a professional business man attire and considering each and every aspect of your personality in detail, as it is something which every business men should do in order to achieve the success you always desired of. Because in a modern era like this, not only your intellectual skills count, but the way you dress yourself carries an equal importance. So my today’s article would be on the importance of professional business men attire in ones wardrobe.

    Professional business attire for Men More Elegant and Smart:

    • Look charming by your shirt and neck tie combo:

    Professional business attire for men.

    Usually guys are so immune to business men attire that they hardly know how to make a good neck tie knot. They don t even know how to make a perfect contrast with the shirt he is about to wear. Wearing a professional attire is not the only thing you have to consider but you have to be conscious about its color combination too. Remember, you shirt and tie must be of opposite intensities. Means if you are going to wear a light colored shirt, then you are required to pick a darker tone as far as your necktie is concerned.

    Note: Do not go for the same color tones like brown shirt with a brown tie. It doesn t look good, I tell you.

    Professional business attire for men.

    Plain shirt and tie no doubt looks decent but your motto is not to look just decent. Go for something extra ordinary. So do remember that the check pattern tie are in fashion nowadays and your shirt against your tie must be line patterned. It gives a very sharp and beautiful combination.

    Professional business attire for men.

    Add another sophistication to your attire that is a well tailored coat with a pocket square. Your business men attire gets complete with your well tailored coat with fine cuts and a pocket square. Pocket square gives you that height of sophistication which adds stars to your personality.

    Professional business attire for men.

    Dress pants must not be so tight because it would give you very odd look. Ask your tailor to stictch t according to your measurement.

    Business casual attire.

    You must have a side part hair cut to look like a true professional. Your hairs cut matter because your office is not the place where you can go with long rough and messy hairs.

    Professional business attire for men.

    Wear a leather strap watch. Make your mind clear while purchasing a watch for your office attire that you watch must be in golden round dial and dark colored leather straps.

    Professional business attire for men.

    Your office attire needs a dress shoes in plain black or brown color. Black and brown color looks very decent and stylish. Make sure the cleanliness of your shoes before going to the office. Do not go in your suede shoes or desert shoes because it would spoil your image as soon as you enter into your office.

    Professional business attire for men.

    Carry a big decent brown or black colored bag which has enough capacity to hold all your documents and accessories. Do not go for small bags that look very odd and girlish.





    How to use the SBA for business acquisition financing – Smart Business

    #business acquisition loan

    #

    How to use the SBA for business acquisition financing

    Most businesses have intangible assets that are difficult to value and nearly impossible to collateralize. You will hear terms like “blue sky” or “goodwill” to describe these assets.

    Due to the more flexible collateralization standards associated with U.S. Small Business Administration (SBA) loans, these assets can be financed along with the more tangible assets that are a part of the business acquisition. This is just one reason why a business owner should consider an SBA loan for a change of ownership or business acquisition, over a conventional loan.

    Smart Business spoke with Romona Davis, vice president of SBA Commercial Lending at Ridgestone Bank. about the advantages of utilizing the SBA for business acquisition financing.

    Beyond flexible collateralization standards, why else are SBA loans more attractive?

    Conventional loans for business acquisitions are based on a three- or five-year term. This can make it tough for the business to meet the debt service requirements of most lenders. Utilizing an SBA loan, the acquisition can be stretched out over seven or even 10 years. This lowers the payments and makes it easier for the borrower to hit the debt service targets of the lender.

    Stretching out the amortization of the loan also frees up additional cash flow for the new owner of the business. He or she may then use that cash flow to invest in marketing, implementation of new initiatives or adding a product line. Cash flow is king.

    In addition, long-term amortization can help with the ebbs and flows of business that inevitably arise. If you are in a downslope when a three-year conventional loan becomes due, the bank might put you in forbearance or impose monthly renewal fees. With the SBA, you have something in place long term.

    Is seller financing sometimes involved in a business acquisition?

    Yes, quite often. With SBA financing of a business acquisition, a seller’s note can be used as a portion of the required equity injection.

    Typically, lenders in a business acquisition scenario prefer a 25 percent equity injection from the borrower. This can be a tough requirement for many borrowers. If the seller agrees to hold back a note, and it is structured correctly, that note can be counted as part of the borrower’s equity injection, thus making it easier to come up with the needed equity.

    Also, the sellers are often sole proprietors or family businesses and they want to see their legacy carried forward. Keeping the seller engaged assists the buyer in making the transition and assures the bank there is a team in place that can make it longer term.

    What was the change the SBA made to its ownership rules and why?

    The SBA removed the liquidity requirement a few years back. Without that requirement, the SBA made it possible for businesses with owners who have strong liquidity to obtain financing through an SBA loan. Removing the liquidity requirement allows borrowers who may not have good liquidity to bring an equity partner who has liquidity to the table to help them get an approval.

    The reason the SBA made this change was to provide borrowers more flexibility in how they can structure their business when they seek SBA financing.

    When business owners use an SBA loan for a business acquisition, what do they need to understand about the lending process?

    Business acquisition loans are complex. Anyone who is considering utilizing bank financing for a business acquisition should engage his or her banker early in the process. Ideally, before you even start negotiating with the seller.

    Your banker can advise you on areas where you can be flexible in negotiation and areas where you need to be less flexible. He or she also can alert the buyer to some of the pitfalls to avoid.

    Since a lot of information will be needed from both parties, the sooner documents are provided, the easier the process becomes. Also, be sure there is open and honest communication from the start. Don’t leave any surprises to the end, or your financing can be delayed or compromised.

    Always make sure you are dealing with a lender who has SBA experience and a bank that is a preferred lending partner with the SBA.

    Equal Housing Lender. Member FDIC

    Insights Banking Finance is brought to you by Ridgestone Bank

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    Where to Find Smart Short-Term Business Loans #ideas #to #start #a #business

    #short term business loans

    #

    Credit Cards

    Banking

    Investing

    Mortgages

    Loans

    Insurance

    Credit Cards

    Banking

    Investing

    Mortgages

    Loans

    Insurance

    Where to Find Smart Short-Term Business Loans

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

    Short-term business loans can get you the funds you need to overcome cash flow gaps, handle emergencies and unexpected expenses or finance a small expansion.

    These loans and lines of credit typically come in amounts from $5,000 to $250,000, carry short repayment terms of a few months to several years, have looser qualifications than long-term loans and provide cash quickly.

    Because short-term business loans generally have high borrowing costs, the smartest approach is to choose financing with the lowest annual percentage rate you can qualify for. Lines of credit are more flexible and generally have shorter repayment periods, while loans tend to offer a longer term.

    Repaying a short-term business loan on time can help you qualify for a long-term business loan in the future. Long-term loans typically come in amounts from $250,000 to $1 million or more, are less expensive and have a repayment period of five to 15 years or longer, making them better suited to a real estate purchase, business acquisition or debt refinancing.

    Short-term lines of credit: Kabbage and Dealstruck

    With Kabbage’s line of credit, you borrow only the money you need and pay fees just on the money you borrow. That flexibility makes it a better option for managing cash flow than for a larger expense such as an expansion. You repay each draw on the line of credit over six or 12 months.

    It’s also fairly easy to qualify (take a look at minimum qualifications below) and a good option for borrowers with bad credit. Although Kabbage does check your credit scores, it doesn’t weigh them as heavily as other factors, such as your average monthly revenue.

    The pitfalls of short-term business loans

    Of course, there are a few disadvantages to short-term business loans that small-business owners should keep in mind:

    Higher cost: They typically carry a higher APR — the total annual cost of borrowing, including all fees and interest — than long-term loans. That’s due to their shorter repayment period, faster funding, looser qualifications (lower credit score and revenue requirements) and the fact that many are unsecured business loans. which don’t require collateral.

    More frequent repayments: Lenders may require you to make loan payments daily or weekly as opposed to monthly. Although these payments are smaller, they can be an issue for businesses that have uneven sales or those that don’t always hold much cash in a bank account. You’ll have to make sure you have enough money in your account to make the payments at all times, or you’ll risk incurring fees or defaulting on the loan.

    Risk of debt trap: The speed and ease of short-term business loans can become addictive. Instead of repaying the debt in full, business owners may be enticed to refinance and roll over the debt into a new loan. But this can result in a debt trap: continual refinancing just to keep up with payments. This is a common issue with merchant cash advances. a costly form of short-term financing that can carry an APR over 300%. If you have several high-interest small-business loans, business debt consolidation may be the solution you need.

    Find and compare the best small-business loans

    NerdWallet has created a comparison tool of the best small-business loans to meet your needs and goals. We gauged lender trustworthiness, market scope and user experience, among other factors, and arranged them by categories that include your revenue and how long you’ve been in business.

    This article was updated June 21, 2016. It was originally published Jan. 12, 2016.

    To get more information about funding options and compare them for your small business, visit NerdWallet’s small-business loans tool. For free, personalized answers to questions about financing your business, visit the Small Business section of NerdWallet’s Ask an Advisor page.

    You may also like

    Lender reviews

    See how different lenders stack up in NerdWallet’s expert reviews

    We want to hear from you and encourage a lively discussion among our users. Please help us keep our site clean and safe by following our posting guidelines. and avoid disclosing personal or sensitive information such as bank account or phone numbers. Any comments posted under NerdWallet’s official account are not reviewed or endorsed by representatives of financial institutions affiliated with the reviewed products, unless explicitly stated otherwise.

    2016 NerdWallet, Inc. All Rights Reserved

    Disclaimer: NerdWallet strives to keep its information accurate and up to date. This information may be different than what you see when you visit a financial institution, service provider or specific product’s site. All financial products, shopping products and services are presented without warranty. When evaluating offers, please review the financial institution’s Terms and Conditions. Pre-qualified offers are not binding. If you find discrepancies with your credit score or information from your credit report, please contact TransUnion® directly.

    Additionally, this site may be compensated through third party advertisers. However, the results of our comparison tools, blog content and editorial reviews are based on objective analysis. For more information, please see our Advertiser Disclosure .





    Greece – Bulgaria: Call for innovative business ideas of young people (SMART

    #innovative business ideas

    #

    European Territorial Cooperation is an Objective of the Cohesion Policy and provides a framework for the exchange of experiences among local and regional actors from across Europe

    Development.

    European Territorial Cooperation contributes in the transformation of the European regions into strong economic and social poles through the funding of common projects

    The team.

    Our officers are responsible for the management of five bilateral cross-border Programmes and the national coordination of the seven multilateral Programmes, Greece is participating in

    Vision.

    More growth and jobs for all regions of the European Union through the promotion of cross-border, transnational and interregional cooperation

    Perspective.

    European Territorial Cooperation Programmes enhance economic and social cohesion, encouraging balance development and promoting competitiveness

    The Business Information and Consulting Centre – Sandanski announces a call for innovative ideas for start-up or development of business by young people with potential and interest in entrepreneurship, new technologies and innovation. The aim of the SMART START-UP competition is to encourage and motivate young people to generate innovative business ideas with potential for further development.

    Detailed information concerning the conditions, deadlines and required documents for application can be found here

    Please note that the deadline for submission of business ideas is: 29.05.2015, 17:00

    This initiative is carried out within the framework of the Project SMART SPECIALIZATION

    Events calendar


    European Territorial Cooperation Programmes are co-funded by European Union and National Funds of the countries participating in them

    Navigate:

    Register in Newsletter:

    Copyright 2007 – 2016 Interreg
    Freelance Web Design and Web Marketing services





    Boost Your Real Estate Business With Smart Real Estate Management Software #loans

    #real estate business

    #

    Boost Your Real Estate Business With Smart Real Estate Management Software

    Due to its eye popping attractions, glamorous lifestyle, and internationally acclaimed real estate, Dubai stands as being one of the strongest hubs for real estate agents. The ever-expanding construction projects in the UAE have brought rise to hundreds of real estate agencies that are focused on bringing a world-class experience to anyone buying property in the UAE.

    Available real estate in areas such as Business Bay, Arabian Ranches, Dubai Marina, The Palm Jumeirah, Downtown Dubai, Al Warqaa, Jumeirah Lake Towers (JLT) and many others are being offered by real estate agents to not only those living in Dubai, but all over the world.

    What are Real estate websites why are they used?

    Real estate websites are known to provide a database of available property, villas, apartment, land, etc. to anyone seeking looking to purchase.

    For real estate agents and brokers, it is becoming challenging to deal with the increasing traffic on their real estate websites. This has resulted in web development companies developing what is known as real estate management software. This software has been created to help manage the overwhelming records and data of property being offered on a relator’s website.

    Some known property management software:

    Many companies that work on web application development are hence developing property management software that is used by real estate agents to facilitate their business. AppFolio Property Manager, MRI Residential Management, Propertyware and roomMaster are some of such software that is widely used, more can be found here.

    Benefits of Using Real Estate Management Software

    Real estate management software provides a platform to manage properties, payments, accounting, selling record and all such utilities at one place no matter what platform you are accessing from (phone, tablet, PC). It provides you the tools that you need to manage your real estate.

    It includes management tools that are helpful in managing your properties in less time thus allowing you to focus your time on revenue optimization by offering a self-automated process. They are designed to facilitate leasing, renting, and purchasing activities carried out in one place.

    These platforms are also helpful in networking with thousands of property management companies, investors, real estate managers and others worldwide. This will help you to promote your property as well as enhance sales and attract more visitors to your business.

    Real estate applications are used to help businesses become more organized while also increasing productivity. This software offers website integration, smart electronic payments, and online file management along with recurring transactions.

    Property management software is also used to speed up the working process of property selling or renting by tracking multiple accounts. This process shortens the document processing time by offering maximum credibility to maintain data confidentially.

    For real estate in Dubai, the property management software mentioned above is helpful in boosting your business with automatic and built-in features. At eTek Studio, our services offer web development in Dubai that also includes the designing and development of real estate management software.

    Call us now to get your property management software professionally developed by eTek Studio.

    Submit your comments Cancel reply





    How to use the SBA for business acquisition financing – Smart Business

    #business acquisition loan

    #

    How to use the SBA for business acquisition financing

    Most businesses have intangible assets that are difficult to value and nearly impossible to collateralize. You will hear terms like “blue sky” or “goodwill” to describe these assets.

    Due to the more flexible collateralization standards associated with U.S. Small Business Administration (SBA) loans, these assets can be financed along with the more tangible assets that are a part of the business acquisition. This is just one reason why a business owner should consider an SBA loan for a change of ownership or business acquisition, over a conventional loan.

    Smart Business spoke with Romona Davis, vice president of SBA Commercial Lending at Ridgestone Bank. about the advantages of utilizing the SBA for business acquisition financing.

    Beyond flexible collateralization standards, why else are SBA loans more attractive?

    Conventional loans for business acquisitions are based on a three- or five-year term. This can make it tough for the business to meet the debt service requirements of most lenders. Utilizing an SBA loan, the acquisition can be stretched out over seven or even 10 years. This lowers the payments and makes it easier for the borrower to hit the debt service targets of the lender.

    Stretching out the amortization of the loan also frees up additional cash flow for the new owner of the business. He or she may then use that cash flow to invest in marketing, implementation of new initiatives or adding a product line. Cash flow is king.

    In addition, long-term amortization can help with the ebbs and flows of business that inevitably arise. If you are in a downslope when a three-year conventional loan becomes due, the bank might put you in forbearance or impose monthly renewal fees. With the SBA, you have something in place long term.

    Is seller financing sometimes involved in a business acquisition?

    Yes, quite often. With SBA financing of a business acquisition, a seller’s note can be used as a portion of the required equity injection.

    Typically, lenders in a business acquisition scenario prefer a 25 percent equity injection from the borrower. This can be a tough requirement for many borrowers. If the seller agrees to hold back a note, and it is structured correctly, that note can be counted as part of the borrower’s equity injection, thus making it easier to come up with the needed equity.

    Also, the sellers are often sole proprietors or family businesses and they want to see their legacy carried forward. Keeping the seller engaged assists the buyer in making the transition and assures the bank there is a team in place that can make it longer term.

    What was the change the SBA made to its ownership rules and why?

    The SBA removed the liquidity requirement a few years back. Without that requirement, the SBA made it possible for businesses with owners who have strong liquidity to obtain financing through an SBA loan. Removing the liquidity requirement allows borrowers who may not have good liquidity to bring an equity partner who has liquidity to the table to help them get an approval.

    The reason the SBA made this change was to provide borrowers more flexibility in how they can structure their business when they seek SBA financing.

    When business owners use an SBA loan for a business acquisition, what do they need to understand about the lending process?

    Business acquisition loans are complex. Anyone who is considering utilizing bank financing for a business acquisition should engage his or her banker early in the process. Ideally, before you even start negotiating with the seller.

    Your banker can advise you on areas where you can be flexible in negotiation and areas where you need to be less flexible. He or she also can alert the buyer to some of the pitfalls to avoid.

    Since a lot of information will be needed from both parties, the sooner documents are provided, the easier the process becomes. Also, be sure there is open and honest communication from the start. Don’t leave any surprises to the end, or your financing can be delayed or compromised.

    Always make sure you are dealing with a lender who has SBA experience and a bank that is a preferred lending partner with the SBA.

    Equal Housing Lender. Member FDIC

    Insights Banking Finance is brought to you by Ridgestone Bank

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    Where to Find Smart Short-Term Business Loans #stock #market #news #today

    #short term business loans

    #

    Credit Cards

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    Credit Cards

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    Where to Find Smart Short-Term Business Loans

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

    Short-term business loans can get you the funds you need to overcome cash flow gaps, handle emergencies and unexpected expenses or finance a small expansion.

    These loans and lines of credit typically come in amounts from $5,000 to $250,000, carry short repayment terms of a few months to several years, have looser qualifications than long-term loans and provide cash quickly.

    Because short-term business loans generally have high borrowing costs, the smartest approach is to choose financing with the lowest annual percentage rate you can qualify for. Lines of credit are more flexible and generally have shorter repayment periods, while loans tend to offer a longer term.

    Repaying a short-term business loan on time can help you qualify for a long-term business loan in the future. Long-term loans typically come in amounts from $250,000 to $1 million or more, are less expensive and have a repayment period of five to 15 years or longer, making them better suited to a real estate purchase, business acquisition or debt refinancing.

    Short-term lines of credit: Kabbage and Dealstruck

    With Kabbage’s line of credit, you borrow only the money you need and pay fees just on the money you borrow. That flexibility makes it a better option for managing cash flow than for a larger expense such as an expansion. You repay each draw on the line of credit over six or 12 months.

    It’s also fairly easy to qualify (take a look at minimum qualifications below) and a good option for borrowers with bad credit. Although Kabbage does check your credit scores, it doesn’t weigh them as heavily as other factors, such as your average monthly revenue.

    The pitfalls of short-term business loans

    Of course, there are a few disadvantages to short-term business loans that small-business owners should keep in mind:

    Higher cost: They typically carry a higher APR — the total annual cost of borrowing, including all fees and interest — than long-term loans. That’s due to their shorter repayment period, faster funding, looser qualifications (lower credit score and revenue requirements) and the fact that many are unsecured business loans. which don’t require collateral.

    More frequent repayments: Lenders may require you to make loan payments daily or weekly as opposed to monthly. Although these payments are smaller, they can be an issue for businesses that have uneven sales or those that don’t always hold much cash in a bank account. You’ll have to make sure you have enough money in your account to make the payments at all times, or you’ll risk incurring fees or defaulting on the loan.

    Risk of debt trap: The speed and ease of short-term business loans can become addictive. Instead of repaying the debt in full, business owners may be enticed to refinance and roll over the debt into a new loan. But this can result in a debt trap: continual refinancing just to keep up with payments. This is a common issue with merchant cash advances. a costly form of short-term financing that can carry an APR over 300%. If you have several high-interest small-business loans, business debt consolidation may be the solution you need.

    Find and compare the best small-business loans

    NerdWallet has created a comparison tool of the best small-business loans to meet your needs and goals. We gauged lender trustworthiness, market scope and user experience, among other factors, and arranged them by categories that include your revenue and how long you’ve been in business.

    This article was updated June 21, 2016. It was originally published Jan. 12, 2016.

    To get more information about funding options and compare them for your small business, visit NerdWallet’s small-business loans tool. For free, personalized answers to questions about financing your business, visit the Small Business section of NerdWallet’s Ask an Advisor page.

    You may also like

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    2016 NerdWallet, Inc. All Rights Reserved

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    Additionally, this site may be compensated through third party advertisers. However, the results of our comparison tools, blog content and editorial reviews are based on objective analysis. For more information, please see our Advertiser Disclosure .





    How to use the SBA for business acquisition financing – Smart Business

    #business acquisition loan

    #

    How to use the SBA for business acquisition financing

    Most businesses have intangible assets that are difficult to value and nearly impossible to collateralize. You will hear terms like “blue sky” or “goodwill” to describe these assets.

    Due to the more flexible collateralization standards associated with U.S. Small Business Administration (SBA) loans, these assets can be financed along with the more tangible assets that are a part of the business acquisition. This is just one reason why a business owner should consider an SBA loan for a change of ownership or business acquisition, over a conventional loan.

    Smart Business spoke with Romona Davis, vice president of SBA Commercial Lending at Ridgestone Bank. about the advantages of utilizing the SBA for business acquisition financing.

    Beyond flexible collateralization standards, why else are SBA loans more attractive?

    Conventional loans for business acquisitions are based on a three- or five-year term. This can make it tough for the business to meet the debt service requirements of most lenders. Utilizing an SBA loan, the acquisition can be stretched out over seven or even 10 years. This lowers the payments and makes it easier for the borrower to hit the debt service targets of the lender.

    Stretching out the amortization of the loan also frees up additional cash flow for the new owner of the business. He or she may then use that cash flow to invest in marketing, implementation of new initiatives or adding a product line. Cash flow is king.

    In addition, long-term amortization can help with the ebbs and flows of business that inevitably arise. If you are in a downslope when a three-year conventional loan becomes due, the bank might put you in forbearance or impose monthly renewal fees. With the SBA, you have something in place long term.

    Is seller financing sometimes involved in a business acquisition?

    Yes, quite often. With SBA financing of a business acquisition, a seller’s note can be used as a portion of the required equity injection.

    Typically, lenders in a business acquisition scenario prefer a 25 percent equity injection from the borrower. This can be a tough requirement for many borrowers. If the seller agrees to hold back a note, and it is structured correctly, that note can be counted as part of the borrower’s equity injection, thus making it easier to come up with the needed equity.

    Also, the sellers are often sole proprietors or family businesses and they want to see their legacy carried forward. Keeping the seller engaged assists the buyer in making the transition and assures the bank there is a team in place that can make it longer term.

    What was the change the SBA made to its ownership rules and why?

    The SBA removed the liquidity requirement a few years back. Without that requirement, the SBA made it possible for businesses with owners who have strong liquidity to obtain financing through an SBA loan. Removing the liquidity requirement allows borrowers who may not have good liquidity to bring an equity partner who has liquidity to the table to help them get an approval.

    The reason the SBA made this change was to provide borrowers more flexibility in how they can structure their business when they seek SBA financing.

    When business owners use an SBA loan for a business acquisition, what do they need to understand about the lending process?

    Business acquisition loans are complex. Anyone who is considering utilizing bank financing for a business acquisition should engage his or her banker early in the process. Ideally, before you even start negotiating with the seller.

    Your banker can advise you on areas where you can be flexible in negotiation and areas where you need to be less flexible. He or she also can alert the buyer to some of the pitfalls to avoid.

    Since a lot of information will be needed from both parties, the sooner documents are provided, the easier the process becomes. Also, be sure there is open and honest communication from the start. Don’t leave any surprises to the end, or your financing can be delayed or compromised.

    Always make sure you are dealing with a lender who has SBA experience and a bank that is a preferred lending partner with the SBA.

    Equal Housing Lender. Member FDIC

    Insights Banking Finance is brought to you by Ridgestone Bank

    Post navigation

    You Might Also Like





    Greece – Bulgaria: Call for innovative business ideas of young people (SMART

    #innovative business ideas

    #

    European Territorial Cooperation is an Objective of the Cohesion Policy and provides a framework for the exchange of experiences among local and regional actors from across Europe

    Development.

    European Territorial Cooperation contributes in the transformation of the European regions into strong economic and social poles through the funding of common projects

    The team.

    Our officers are responsible for the management of five bilateral cross-border Programmes and the national coordination of the seven multilateral Programmes, Greece is participating in

    Vision.

    More growth and jobs for all regions of the European Union through the promotion of cross-border, transnational and interregional cooperation

    Perspective.

    European Territorial Cooperation Programmes enhance economic and social cohesion, encouraging balance development and promoting competitiveness

    The Business Information and Consulting Centre – Sandanski announces a call for innovative ideas for start-up or development of business by young people with potential and interest in entrepreneurship, new technologies and innovation. The aim of the SMART START-UP competition is to encourage and motivate young people to generate innovative business ideas with potential for further development.

    Detailed information concerning the conditions, deadlines and required documents for application can be found here

    Please note that the deadline for submission of business ideas is: 29.05.2015, 17:00

    This initiative is carried out within the framework of the Project SMART SPECIALIZATION

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    European Territorial Cooperation Programmes are co-funded by European Union and National Funds of the countries participating in them

    Navigate:

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    The World – s Coolest Business Card Holder – Smart Armor Tech

    #business card holder

    #

    The World s Coolest Business Card Holder

    Business card holders – who really puts a lot of thought into these? Well, people who work in offices certainly do. Patrick Bateman most certainly does. If you are in a sales capacity, I can’t imagine you not keeping a few business cards always at the ready. There are even professions that are essentially a part of sales that some employees don’t know. If you are in a customer facing position, or are adept at speaking persuasively to strangers you meet at the grocery store about the product or service your company provides, you are in sales! So that means that even you need to start carrying some business cards.

    If you are going to carry business cards, you will need a good place to keep them. A wallet is not adequate for carrying a large number of business cards, not to mention that wallets are often very hard on whatever is placed within them. Your beautiful business cards will have folded corners, lint, and ink smudges pretty soon. Business card boxes are the way to go.

    There are tons of styles to consider when buying a business card holder for men or women. The Best Wallet 2015 website has a great updated list for some of the world’s coolest business card holders. The styles range from soft to hard, leather to metal, and all are sleek and stylish in their own way. We are biased, but we think the Smart Armor Safe would make the best business card holder for men. It’s tough enough to protect your business cards, and opens up via Bluetooth for a cool and dramatic presentation!

    So, have you checked the business card holder list? http://bestwallet2015.com/beautiful-best-business-card-holder-for-men/
    Which is your favorite and what qualities do you look for in a business card holder? Please comment below.

    Share This Story, Choose Your Platform!

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    Smart Armor® is an IOT company that provides Bluetooth enabled micro-locking systems integrated into valuable physical objects controlled via mobile device.

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    6 Smart Reasons to Get a Business Loan #small #business #tools

    #getting a business loan

    #

    6 Smart Reasons to Get a Business Loan

    Co-founder and CEO, Fundera

    November 9, 2015

    Spreading the word that you re considering a loan for your business can be met with all kinds of opinions. From general naysayers to cautionary anecdotes, everyone you meet will have a story as to what might happen if you take out a loan to start or expand your business venture.

    While it s true that not every reason is a good reason to go into debt for your business, that doesn t mean that good reasons don t exist. If your business is ready to take a leap, but you don t have the working capital to do so, here are six reasons you might re-consider applying for a small business loan .

    1. You re ready to expand your physical location.

    Your cubicles are busting at the seams, and your new assistant had to set up shop in the kitchen. Sounds like you ve outgrown your initial office location. Or maybe you run a restaurant or retail store, and you have more customers in and out than you can fit inside your space.

    This is great news! It likely means business is booming, and you re ready to expand. But just because your business is ready for expansion, doesn t mean you have the cash on hand to make it happen.

    In these cases, you may need a term loan to finance your big move. Whether it s adding an additional location or picking up and moving, the up-front cost and change in overhead will be significant.

    Before you commit, take steps to measure the potential change in revenue that could come from expanding your space. Could you cover your loan costs and still make a profit? Use a revenue forecast along with your existing balance sheet to see how the move would impact your bottom line. And if you re talking about a second retail location, research the area you want to set up shop to make sure it s a good fit for your target market.

    2. You re building credit for the future.

    If you re planning to apply for larger-scale financing for your business in the next few years, the case can be made for starting with a smaller, short-term loan in order to build your business credit.

    Young businesses can often have a hard time qualifying for larger loans if both the business and the owners don t have a strong credit history to report. Taking out a smaller loan and making regular on-time payments will build your business s credit for the future.

    This tactic may also help you build relationships with a specific lender, giving you a connection to go back to when you re ready for that bigger loan. Be careful here, though, and don t take on an early loan you can t afford. Even one late payment on your smaller loan could make your chances of qualifying for future funding even worse than if you d never applied for the small loan at all.

    3. You need equipment for your business.

    Purchasing equipment that can improve your business offering is typically a no brainer for financing. You need certain machinery, IT equipment or other tools to make your product or perform your service, and you need a loan to finance that equipment. Plus, if you take out equipment financing. the equipment itself can often serve as collateral for a loan — similarly to a car loan.

    Before you take out an equipment loan, make sure you re separating the actual needs from the nice-to-haves when it comes to your bottom line. Yes, your employees probably would love a margarita machine. But unless you happen to be running a Mexican Cantina, that particular equipment may not be your business s best investment.

    4. You want to purchase more inventory.

    Inventory is one of the biggest expenses for any business. Similar to equipment purchases, you need to keep up with the demand by replenishing your inventory with plentiful and high-quality options. This can prove difficult at times when you need to purchase large amounts of inventory before seeing a return on the investment.

    Especially if you have a seasonal business, there are times when you may need to purchase a large amount of inventory without the cash on hand to do so. Slow seasons precede holiday seasons or tourist seasons — necessitating a loan to purchase the inventory before making a profit off it.

    In order to measure whether this would be a wise financial move for your business, create a sales projection based on past years sales around that same time. Calculate the cost of the debt and compare that number to your total projected sales to determine whether taking an inventory loan is a wise financial move. Keep in mind that sales figures can vary widely from year to year, so be conservative and consider multiple years of sales figures in your projection.

    5. You ve found a business opportunity that outweighs the potential debt.

    Every now and then, an opportunity falls into your lap that is just too good to pass up — or so it seems, at least. Maybe you have a chance to order inventory in bulk at a discount, or you found a steal on an expanded retail space. In these instances, determining the return on investment of the opportunity requires weighing the cost of the loan versus the revenue you stand to generate through the available opportunity.

    Let s say for instance, you run a business where you get a commercial contract for $20,000. The trouble is, you don t have the equipment to complete the job. Purchasing the necessary equipment would cost you about $5,000. If you took out a two-year loan on the equipment, paying a total of $1,000 in interest, your profits would still be $14,000.

    If the potential return on investment outweighs the debt, go for it! But be careful with your calculations. More than one entrepreneur has been guilty of underestimating true costs or overestimating profits as a product of over-enthusiasm. When you re weighing the pros and cons, it often helps to perform a revenue forecast to make sure you re basing your decisions on hard numbers rather than gut instinct.

    6. Your business needs fresh talent.

    When working at a startup or small business, you wear a lot of hats. But there comes a time when doing the bookkeeping, fundraising, marketing and customer service may start to wear on you — and your business. If your small team is doing too many things, something will eventually fall through the cracks and compromise your business model.

    Some businesses choose to invest their money in their talent, believing that this is one way to keep their business competitive and innovative. This can be a great move, if there s a clear connection between the hiring decision and an increase in revenue. But if having an extra set of hands around helps you focus on the big picture, that alone may be worth the loan cost.

    Regardless of the exact reason you re considering a business loan, the point is this: If, when all costs are factored in, taking out the loan is likely to improve your bottom line — go for it. If the connection between financing and a revenue increase is hazy, take a second look at whether taking out a loan is your best choice.

    You want to be confident in your ability to pay back a business loan over time and to see your business succeed. Every business decision involves taking a risk. Ultimately, only you can decide whether that risk is worthwhile.





    6 Smart Budgeting Tips for Small Business Owners #lucrative #business #ideas

    #small business tips

    #

    6 Smart Budgeting Tips for Small Business Owners

    If you run a small business, it s likely that you re operating on a relatively limited budget. Whether you bootstrapped your business or are trying to pay back loans you took out to cover your startup costs, it s in your best interest to conserve money wherever you can.

    Without a thorough budget plan, however, it can be difficult to track and manage your finances. This is especially true for any unexpected business expenses that may come up, as they often do. A 2015 survey by small business credit provider Headway Capital found that although 57 percent of small business owners anticipated growth this year, nearly 19 percent were concerned about how unexpected expenses would impact their business.

    If you want to keep your business operating in the black, you ll need to account for both fixed and unplanned costs, and then create and stick to a solid budget. Experts offered their advice for small business owners looking to keep their finances in order. [4 Tips for Reducing Startup Costs]

    Define and understand your risks

    Every business venture has a certain degree of risk involved, and all of those risks have the potential for a financial impact on your company. Paul Cho, managing director of Headway Capital, said that small business owners need to consider their long- and short-term risks to accurately plan for their financial future.

    How will changes in minimum wage or health care requirements impact your workforce? Cho said. Do you operate in a geography at high risk of a natural disaster? Do you rely heavily on seasonal workers? Understanding the potential risks facing you on a short- and long-term basis is important for all small businesses. Once you ve mapped out the threats to productivity, a clearer picture can be built around emergency planning, insurance needs, etc.

    Overestimate your expenses

    If your business operates on a project-to-project basis, you know that every client is different and no two projects will turn out exactly the same. This means that often, you can t predict when something is going to go over budget.

    Every project seems to have a one-time cost that was never anticipated, said James Ontra, CEO of presentation management company Shufflrr. It usually is that one unique extra item [that is] necessary to the job, but [was] not anticipated when bidding the job.

    For this reason, Ontra advised budgeting slightly above your anticipated line-item costs, no matter what, so that if you do go over, you won t be fully unprepared.

    I go by the cost-moon-stars theory, he said. If you think it will cost the moon, expect to pay the stars.

    Pay attention to your sales cycle

    Many businesses go through busy and slow periods over the course of the year. If your company has an off-season , you ll need to account for your expenses during that time. Cho also suggested using your slower periods to think of ways to plan ahead for your next sales boom.

    There is much to be learned from your sales cycles, he said. Use your downtime to ramp up your marketing efforts while preventing profit generation from screeching to a halt. In order to keep your company thriving and the revenue coming in, you will have to identify how to market to your customers in new and creative ways.

    Plan for large purchases carefully and early

    Some large business expenses occur when you least expect them a piece of equipment breaks and needs to be replaced or your delivery van needs a costly repair, for instance. However, planned expenses like store renovations or a new software system should be carefully timed and budgeted to avoid a huge financial burden on your business.

    Substantial business changes need to be timed carefully, balancing the risk with the reward and done with a full understanding of the financial landscape you re operating within, Cho told Business News Daily. An up-to-date budget and data-driven financial projections are important components that help guide when to make large investments in your business.

    Remember that time is money, too

    One of the biggest mistakes small businesses make is forgetting to incorporate their time into a budget plan. Ontra reminded business owners that time is money, especially when working with people who are paid for their time.

    Timing underestimation directly increases costs, Ontra said. For us, the biggest underestimation is allotting time for client feedback. It is a Herculean effort sometimes to meet a deadline with lots of people focused on a single task. Then, the client needs to give feedback for us to proceed. If the client is distracted with other issues, feedback planned for a three-day turnaround, can become a week or longer. Not only do you start to lose time to the delivery schedule, your team also loses momentum as their collective thought shifts focus to another project.

    Ontra recommended treating your time like your money, and set external deadlines later than when you think the project will actually be done.

    If you believe the project will finish on Friday, promise delivery on Monday, he said. So, if you finish on Friday, deliver the work early and become a star. If for some reason time runs over, deliver on Monday and you are still a success.

    Constantly revisit your budget

    Your budget will never be static or consistent it will change and evolve along with your business, and you ll need to keep adjusting it based on your growth and profit patterns. Cho suggested revising your monthly and annual budgets regularly to get a clearer, updated picture of your business finances.

    Regularly revisiting your budget will help you better control financial decisions because you will know exactly what you can afford to spend versus how much you are projecting to make, Cho said. Take into account market trends from the previous year to help you determine what this year may look like. Once you have a clear understanding of your business s budgetary needs, you can accurately forecast what can be set aside for an emergency fund or unexpected costs.

    Nicole Fallon Taylor

    Nicole received her Bachelor s degree in Media, Culture and Communication from New York University. She began freelancing for Business News Daily in 2010 and joined the team as a staff writer three years later. She currently serves as the assistant editor. Reach her by email. or follow her on Twitter .

    You May Also like

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  • Organization is Key to Managing Business Finances

  • Don t Burn Through Your IT Budget: 5 Ways to Save Money





  • Boost Your Real Estate Business With Smart Real Estate Management Software #business

    #real estate business

    #

    Boost Your Real Estate Business With Smart Real Estate Management Software

    Due to its eye popping attractions, glamorous lifestyle, and internationally acclaimed real estate, Dubai stands as being one of the strongest hubs for real estate agents. The ever-expanding construction projects in the UAE have brought rise to hundreds of real estate agencies that are focused on bringing a world-class experience to anyone buying property in the UAE.

    Available real estate in areas such as Business Bay, Arabian Ranches, Dubai Marina, The Palm Jumeirah, Downtown Dubai, Al Warqaa, Jumeirah Lake Towers (JLT) and many others are being offered by real estate agents to not only those living in Dubai, but all over the world.

    What are Real estate websites why are they used?

    Real estate websites are known to provide a database of available property, villas, apartment, land, etc. to anyone seeking looking to purchase.

    For real estate agents and brokers, it is becoming challenging to deal with the increasing traffic on their real estate websites. This has resulted in web development companies developing what is known as real estate management software. This software has been created to help manage the overwhelming records and data of property being offered on a relator’s website.

    Some known property management software:

    Many companies that work on web application development are hence developing property management software that is used by real estate agents to facilitate their business. AppFolio Property Manager, MRI Residential Management, Propertyware and roomMaster are some of such software that is widely used, more can be found here.

    Benefits of Using Real Estate Management Software

    Real estate management software provides a platform to manage properties, payments, accounting, selling record and all such utilities at one place no matter what platform you are accessing from (phone, tablet, PC). It provides you the tools that you need to manage your real estate.

    It includes management tools that are helpful in managing your properties in less time thus allowing you to focus your time on revenue optimization by offering a self-automated process. They are designed to facilitate leasing, renting, and purchasing activities carried out in one place.

    These platforms are also helpful in networking with thousands of property management companies, investors, real estate managers and others worldwide. This will help you to promote your property as well as enhance sales and attract more visitors to your business.

    Real estate applications are used to help businesses become more organized while also increasing productivity. This software offers website integration, smart electronic payments, and online file management along with recurring transactions.

    Property management software is also used to speed up the working process of property selling or renting by tracking multiple accounts. This process shortens the document processing time by offering maximum credibility to maintain data confidentially.

    For real estate in Dubai, the property management software mentioned above is helpful in boosting your business with automatic and built-in features. At eTek Studio, our services offer web development in Dubai that also includes the designing and development of real estate management software.

    Call us now to get your property management software professionally developed by eTek Studio.

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