3 Marijuana Stocks To Watch In September – Marijuana Stocks, Cannabis Investments

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Future Farm Technologies Inc. (FFRMF) Continues to Build Augmented Reality Cannabis

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Reliq Health Technologies Inc. (RQHTF) Announces Receipt of Second Milestone Payment

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PotNetwork Holding, Inc. (POTN) Announces Distribution Partnership for Easy Grinder™

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3 Marijuana Stocks To Watch In September

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The forward progression and regulation in legal cannabis and marijuana stocks is driving the industry to new heights. It’s also allowing current marijuana stocks to battle through resistances levels as things such as expansion, higher quality marijuana goods, innovative product development are increasing in popularity with consumers worldwide. Here are three marijuana stocks that are taking their business to new heights in the industry: PotNetwork Holdings, Inc. (POTN), GT Biopharma, Inc. (OXISD) and 22nd Century Group, Inc. (XXII).

PotNetwork Holding, Inc. (POTN) has been striding in the industry through its subsidiary Diamond CBD. The company recently announced that its Q2 and year to date operating results and the company reported revenues of over $5 million for the first 6 months of fiscal 2017 and a net profit of $369,237. The company closed the first half of 2017 with a positive net cash flow of $395,009. The company also put out a recent press release stating they have engaged with a PCAOB registered CPA firm to audit its financials.

“We believe that the timing for this action is now. In consideration of the amount of momentum built up over the past 6 months, coupled with reported revenues of $5,077,625 for the first 6 months of fiscal 2017, the only logical next step was to initiate the auditing process, whereby the market can recognize the significance and legitimacy of the Company’s recent growth,” stated Gary Blum, Chief Executive Officer, PotNetwork Holding, Inc.

Since the beginning of May, (POTN) has seen a price per share increase of 257.64%. On May 4th the stock saw lows of $0.017, to Thursday’s (9/7) opening price of $0.0608.

GT Biopharma, Inc. (OXISD) announced on Thursday (9/7) that they have appointed a new Chief Medical Officer (CMO) to their executive team. The company appointed former Pfizer CMO/Vice President and Senior Director, Dr. Raymond Urbanksi. Dr. Urbanksi spent eight years with Pfizer and oversaw the company’s breast cancer products and a variety of other products.

Now we complete our executive management team with another world class executive in Dr. Raymond Urbanski as our new CMO. His expertise in oncology assets and quick-to-market 505(b)2 products is timely for GT Biopharma Inc. Ray s big pharma and biotech expertise is custom made for the assets of GT Biopharma. He will be instrumental in helping to guide our highly sought after oncology BiKE and TriKE platform technologies to commercial success. We are excited to have our Dream Team in place, Mr. Anthony Cataldo stated.

In the last two weeks of trading, (OXISD) has seen a price per share increase of 77.39%, from lows of $5.75 on Aug. 23rd to Thursday’s daily highs (9/7) of $10.20.

22nd Century Group, Inc. (XXII) is a plant biotechnology company that is focused on genetic engineering and plant breeding which permits the increase or decrease of the level of nicotine in tobacco plants and the level of cannabinoids in cannabis plants. The company’s main goal in marijuana is to develop a proprietary cannabis strain for new medicines and agriculture crops.

“More than $100 Million of independent research has demonstrated that 22nd Century’s proprietary Very Low Nicotine tobacco could save many millions of lives and will prevent future generations of young people from becoming addicted to cigarettes,” stated Henry Sicignano, III, President and Chief Executive Officer of 22nd Century Group. “22nd Century’s technology is proven. The FDA plan is already feasible. The time to implement a mandate of Very Low Nicotine tobacco in all combustible cigarettes sold in the United States has arrived.”

In the last month of trading, (XXII) has increased 70.80% from lows of $1.37 on July 26th to intra day highs during Thursday’s (9/7) trading session of $2.34.





A Start-Up Slump Is a Drag on the Economy, how to start

The New York Times

How to start a business

Graphic | A Long Start-Up Slump

September 20, 2017

Unemployment has fallen, and the stock market has soared. So why has the economic expansion since the recession been so tame, with sluggish productivity and, at least until recently, anemic wage growth?

Economists say the answer, to some degree, can be found in a start-up slump — a decline in the creation of new businesses — and a growing understanding of what’s behind it.

A total of 414,000 businesses were formed in 2015, the latest year surveyed, the Census Bureau reported Wednesday. It was a slight increase from the previous year, but well below the 558,000 companies given birth in 2006, the year before the recession set in.

“We’re still in a start-up funk,” said Robert Litan, an economist and antitrust lawyer who has studied the issue. “Obviously the recession had a lot to do with it, but then you’re left with the conundrum: Why hasn’t there been any recovery?”

Many economists say the answer could lie in the rising power of the biggest corporations, which they argue is stifling entrepreneurship by making it easier for incumbent businesses to swat away challengers — or else to swallow them before they become a serious threat.

“You’ve got rising market power,” said Marshall Steinbaum, an economist at the Roosevelt Institute, a liberal think tank. “In general, that makes it hard for new businesses to compete with incumbents. Market power is the story that explains everything.”

That argument comes at a potent political moment. Populists on both the left and right have responded to growing public unease about the corporate giants that increasingly dominate their online and offline lives. Polling data from Gallup and other organizations shows a long-running decline in confidence in banks and other big businesses — a concern not likely to abate after high-profile data breaches at Equifax and other companies.

The start-up slump has far-reaching implications. Small businesses in general are often cited as an exemplar of economic dynamism. But it is start-ups — and particularly the small subset of companies that grow quickly — that are key drivers of job creation and innovation, and have historically been a ladder into the middle class for less-educated workers and immigrants.

Perhaps most significant, start-ups play a critical role in making the economy as a whole more productive, as they invent new products and approaches, forcing existing businesses to compete or fall by the wayside.

“Across the decades, young companies are really the heavy hitters and the consistent hitters in terms of job creation,” said Arnobio Morelix, an economist at the Kauffman Foundation, a nonprofit in Kansas City, Mo., that studies and promotes entrepreneurship.

The start-up decline might defy expectations in the age of Uber and “Shark Tank.” But however counterintuitive, the trend is backed by multiple data sources and numerous economic studies.

In 1980, according to the Census Bureau data, roughly one in eight companies had been founded in the past year; by 2015, that ratio had fallen to fewer than one in 12. The downward trend cuts across regions and industries and, at least since 2000, includes even the beating heart of American entrepreneurship, high tech.

Although the overall slump dates back more than 30 years, economists are most concerned about a more recent trend. In the 1980s and 1990s, the entrepreneurial slowdown was concentrated in sectors such as retail, where corner stores and regional brands were being subsumed by national chains. That trend, though often painful for local communities, wasn’t necessarily a drag on productivity more generally.

Since about 2000, however, the slowdown has spread to parts of the economy more often associated with high-growth entrepreneurship, including the technology sector. That decline has coincided with a period of weak productivity growth in the United States as a whole, a trend that has in turn been implicated in the patterns of fitful wage gains and sluggish economic growth since the recession. Recent research has suggested that the decline in entrepreneurship, and in other measures of business dynamism, is one cause of the prolonged stagnation in productivity.

“We’ve got lots of pieces now that say dynamism has gone down a lot since 2000,” said John Haltiwanger, a University of Maryland economist who has done much of the pioneering work in the field. “Start-ups have gone down a lot since 2000, especially in the high-tech sectors, and there are increasingly strong links to productivity.”

What is behind the decline in entrepreneurship is less clear. Economists and other experts have pointed to a range of possible explanations: The aging of the baby-boom generation has left fewer Americans in their prime business-starting years. The decline of community banks and the collapse of the market for home-equity loans may have made it harder for would-be entrepreneurs to get access to capital. Increased regulation, at both the state and federal levels, may be particularly burdensome for new businesses that lack well-staffed compliance departments. Those and other factors could well play a role, but none can fully explain the decline.

More recently, economists — especially but not exclusively on the left — have begun pointing the finger at big business, and in particular at the handful of companies that increasingly dominate many industries.

How to start a business

Graphic | Big Business, Getting Bigger The share of employees working at large, medium and small companies in the United States.

The evidence is largely circumstantial: The slump in entrepreneurship has coincided with a period of increasing concentration in nearly every major industry. Research from Mr. Haltiwanger and several co-authors has found that the most productive companies are growing more slowly than in the past, a hint that competitive pressures aren’t forcing companies to react as quickly to new innovations.

A recent working paper from economists at Princeton and University College London found that American companies are increasingly able to demand prices well above their costs — which according to standard economic theory would lead new companies to enter the market. Yet that isn’t happening.

“If we’re in an era of excessive profits, in competitive markets we would see record firm entry, but we see the opposite,” said Ian Hathaway, an economist who has studied the issue. That, Mr. Hathaway said, suggests that the market is not truly competitive — that existing companies have found ways to block competitors.

Experts also point to anecdotal examples that suggest that the rise of big businesses could be squelching competition. YouTube, Instagram and hundreds of lower-profile start-ups chose to sell out to industry heavyweights like Google and Facebook rather than try to take them on directly. The tech giants have likewise been accused of using the power of their platforms to favor their own offerings over those of competitors.

Most recently, Amazon openly called for a bidding war among cities for its second headquarters — hardly the kind of demand a new start-up could make. Mr. Morelix said the Amazon example was particularly striking.

“We’re saying that it’s O.K. that they shape how a city charges taxes?” Mr. Morelix said. “And what kind of regulations they have? That should be terrifying to anyone that wants a free market.”

In Washington, where for years politicians have praised small businesses while catering to big ones, issues of competition and entrepreneurship are increasingly drawing bipartisan attention. Several Republican presidential candidates referred to the start-up slump during last year’s primary campaign. Progressive Democrats such as Senators Elizabeth Warren of Massachusetts and Amy Klobuchar of Minnesota have pushed for stricter enforcement of antitrust rules. In a speech in March, Ms. Klobuchar explicitly tied the struggles of entrepreneurs to rising corporate concentration.

In July, entrepreneurs achieved a mark of political relevance: their own advocacy group. The newly formed Center for American Entrepreneurship will conduct research on the importance of new businesses to the economy and push for policies aimed at improving the start-up rate. Its founding president, John Dearie, comes from big business — he was most recently the acting head of the Financial Services Forum, which represents big financial institutions.

“Everybody loves entrepreneurship, but they’re not aware it’s in trouble,” Mr. Dearie said. “If new businesses are the engine of net new job creation, and if new businesses are the engine of innovation, and new business creation is at 30-year lows, that’s a national emergency.”

Follow Ben Casselman on Twitter: @bencasselman





How to Start a Rice Dealership Business, Pinoy Bisnes Ideas, how to

How to Start a Rice Dealership Business

How to start a businessRice is an important primary staple food in many Asian countries especially in the Philippines. Indicating the high demand for this commodity, planning to put up a rice dealership business in your area is a wise choice. There is already an assurance that this business will succeed because buyers are already there. Of course, in any kind of business, conducting a feasibility study is always a crucial step to take. This will assess the economic viability of your proposed business.

Here are some important questions to consider before plunging into this kind of business.

1. Do you have enough capital or budget for your rice dealership business? With at least P60,000 to P100,000 as a starting capital.

2. Do you want to operate as sole proprietorship or corporation? Business registration guide here.

3. Do you have a big and safe storage room for the sacks of rice that will be delivered to you?

4. Do you have a good location for your rice dealership business? Research the area of your target market, the flow of traffic and their buying habits.

5. Do you have lists of rice suppliers in your area? Make sure you have a lists of several suppliers and make a good relationship with them.

6. Do you have necessary equipments like calibrated weighing scales, rice sacks etc., and a service delivery (optional).

7. What varieties of rice do you intend to sell? Make sure to have several varieties of rice, so that your customers will have several options.

8. How will you market your business? This is also an important aspect especially you are new in this kind of business. Make a good marketing strategy and make your business known to your customers. Make a good deal with restaurant owners, hotels, resorts and small carenderias in your place to be their rice supplier.

Here are Some NFA Rice Dealership FAQ

Q: Who are required to secure license from NFA?

A: All persons, natural or juridical, that are engaging or intending to engage in the rice and/or corn business whether commercial or NFA rice/corn.

A: Before the start in any of the business activity enumerated above, the proprietor or operator should first secure a license from NFA. For those already license, businessmen should renew their annual license on any day within their scheduled month allotted by the NFA

A: Application may be filed at the NFA office that has jurisdiction over the location of the principal business of the applicant.

Q: In case we have more than one (1) store/establishment for Rice/Corn business, should all be licensed?

A: Yes, owner/operator should file a license for all outlets at the NFA office where his principal place of business is located. Additional outlets are treated as branches.

A: For new applicants, follow these procedures:

secure application form from the licensing officer upon payment of application fee;

accomplish and file application with complete requirements to the licensing officer who in turn checks the documents and determines corresponding license fee;

pay license fee to the cashier and get copy of official receipt;

prepare the facilities/equipment requirements for inspection by NFA Investigators;

after inspection of establishments, present notice of inspection to licensing officer, official receipt and proof of compliance with deficiencies, if any;

licensing officer issues license if application is found to be in order;

applicants display license in their establishments.

Procedures for renewal applicants:

secure application from licensing officer upon payment of application fee;

accomplish and file application with complete requirements together with previous year s license to the licensing officer;

licensing officer checks completeness of requirements and determines license fee to be paid;

pay license fee to the cashier and present the official receipt to licensing officer;

licensing officer issues renewal sticker and stick it to appropriate portion of the license if application is found to be in order;

applicants display licensing conspicuous place in their establishments.

Q: For New Applicants, how long do we have to wait for the Approval of our License Application?

A: The establishments and facility requirements of new applicants are inspected by NFA Investigators within 20 working days after the filling of their applications. Those inspected are given inspection notices stating the date when they can return to the NFA to show compliance with any deficiency, if any. Otherwise, their notices state the date they can get their license. In all these cases, it should not exceed 20 working days after inspection.

A: Application fee is P50.00 for a single line activity and P100.00 for two activities or more. License fees depend upon capacity of the post harvest equipment used.

A: Documentary and facility requirements depend upon the business activity.

Q: Does the NFA requires only Licensing on Rice/Corn Business Activities?

A: The NFA also require the registration of the following facilities aside from the license on the activities mentioned earlier list.

motor vehicles used or intended to be used in transport/hauling of palay/ rice/corn whether for exclusive use or for hire except public utility vehicles franchised by proper government agencies not principally used for transporting rice/palay/corn;

warehouses,threshers and sellers for own produce;

mechanical dryers for owner s/operators exclusive use;

packaging machines for owner s/operators exclusive use;

institutions/establishments securing their rice/corn requirements from the NFA;

poultry and hog raisers securing byproducts from the NFA;

manufacturers/importers/dealers and distributors of rice/corn post-harvest facilities;

non-operating mills and other post-harvest facilities. In this case, registration is done only once.

Registration is done at the office of the NFA that has jurisdiction over the location of the principal business of the applicant.

Registration fees see separate from that of the license fees.

Q: In the event that I discontinue my business, what should I do with my License/Registration Certificate?

A: Surrender your license/registration certificate to the NFA office that issued it together with a written notice of discontinuance.

Otherwise, in case you reapply, you would be charged with the fees for the entire period that you have not applied for renewal.

Q: What do you mean by Bonded Activities?

A: Bonded activities mean third party stocks are deposited in your facilities, for storage, milling, threshing, corn shelling or mechanical drying. Operators/owners of facilities accepting third party stocks are required to post a bond as well as fire insurance to safeguard the stocks of the third party.





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Why have governments struggled to tackle offshore money?

Talking pants

Can you shop for clothes online with your friends?

Mixers and shakers

What ingredients make the world’s greatest cocktail bar?

Undercover consumer

Have you got what it takes to be a secret shopper?

Terror survivor

‘Don’t shut down difficult debates about extremism’.

Our Experts

Hammond’s intergenerational problem

The Chancellor wants to tackle ‘intergenerational fairness’. The question is – can he afford it?

How to finance a business

Brexit threat to car finance

Ford highlights the Brexit threat to its car finance arm if a passporting deal is not hammered out.

How to finance a business

Trump at Apec summit: America First, or the Chinese Dream?

Donald Trump’s America First policy gives China an opportunity, says Karishma Vaswani.

How to finance a business





The Telegraph Festival of Business, best small business to start.#Best #small #business

Festival of Business

Best small business to start Best small business to start

Best small business to start Best small business to start Best small business to start Best small business to start

The Telegraph Festival of Business 2017

The seventh Festival of Business will take place in London on Tuesday 7 November, 2017. This one day conference, regularly attracting an audience of 600 senior executives from UK businesses, will bring together some of the best-known names in British business, along with leading politicians and thought leaders, in a bid to ensure the continued growth of Britain’s small businesses. A combination of keynote addresses, live interviews, case studies, expert panels, quick-fire talks, and masterclasses will ensure attendees leave the conference having found inspiration, heard pioneering examples of business development and cemented valuable relationships with their peers.

Agenda

Registration and Breakfast

Welcome Address from the Chairman

Jeremy Warner, Associate Editor, The Telegraph

Lady Michelle Mone, Baroness of Mayfair OBE

Panel Session: Talent: attracting, recruiting and retaining your most valuable asset

Understand how important your company’s values are for recruitment and learn how to encourage millennials through to Gen X to join and then get them to stay. Gain insights into competing with larger companies when it comes to salary, culture and apprenticeships and delve further into the complexities of employment regulation.

Craig Donaldson, Chief Executive Officer, Metro Bank

Karen Blackett, OBE Chairwoman, MediaCom UK

Kiera Lawlor, Head of Happiness, Social Chain

Kirstin Furber, People Director, BBC Worldwide

Moderator: Rebecca Burn-Callander, Contributor, The Telegraph

Panel Session: Leading your business to success

Hear first hand on how to lead through change and how to successfully delegate. Gain insights into day-to-day management tips and understand the key lessons learnt by overcoming failure.

James Daunt, Chief Executive Officer, Waterstones

Chris Morling, Founder and Managing Director, money.co.uk

Helena Morrissey, Head of Personal Investing, Legal General Investment Management

Moderator: Liam Halligan, Economics Commentator, The Telegraph

Networking and Refreshment Break

Quick-fire Talk: Cyber security – how to prevent the worst from happening

Senior Representative, National Cyber Security Centre (NCSC)

Q A: Late Payments: can common ground be found?

A discussion that speaks to both sides, is honest about what the issues are at both ends and is constructive in terms of solutions.

Richard Gilkes, Managing Director, Stort Chemical

Philip King, Chief Executive, Chartered Institute of Credit Management

Moderator: Liam Halligan, Economics Commentator, The Telegraph

The importance of growth and international trade for SMEs

The Rt Hon Dr. Liam Fox MP, Secretary of State for International Trade

Plotting the future of tech innovation in your business

The new tech landscape; identify fads vs genuinely useful future tech and investing wisely to make the best tech choices. Gain insights into the importance of company-wide adoption and understanding and recruiting the relevant talent to deal with changing tech and transformation.

Chief Digital Officer

Digital Marketing Lead, UK

Pfizer Innovative Health

Moderator: Robert Bridge

Chief Customer Officer

Scaling Up Your Business Operations

Gain insights and advice on whether it’s best to scale through partnerships or organically. Understand how to ensure optimal staffing when growing and how to know when to step back.

Head of Enterprise

Business Banking NatWest/RBS

Founder and Chief Executive Officer

Chief Executive and Co-founder

Moderator: Matt Caines

Editor, Telegraph Connect

Supporting UK business to export and grow

Which will be the new frontiers? Identifying the changes to consider following Brexit and understand cross cultural business differences. Examine the steps to take when starting to export.

Emma Jones, Founder, Enterprise Nation

Joshua Stevens, Chief Executive Officer, One Retail Group

Dr Adam Marshall, Director General, British Chambers of Commerce

Moderator: Rebecca Burn-Callander, Contributor, The Telegraph

Securing your business against cyber threats

Cyber security; an issue not to be taken lightly and potentially one of the the biggest threats facing SMEs today. Understand how to achieve a cyber security 101 strategy and the preventative measures you can take and what to do when disaster strikes.

Sam Nixon, Product Owner, Decoded

Phil Lander, Director of Mobile and IT, B2B, Samsung Europe

Rowan Davies, Head of Policy and Campaigns, Mumsnet

Moderator: Stephan Freeman, Chief Information Security Officer, The Telegraph





Businesses, Internal Revenue Service, businesses to start.#Businesses #to #start

Tax Information For Businesses

Small Business and Self-Employed Tax Center

Access to tax information useful to small businesses with assets of $10 million or less.

Large Business and International Tax Center

This page provides links which are helpful for large to mid-size businesses with assets greater than $10 million

LB I Compliance Campaigns

LB I launches Compliance Campaigns. Campaigns will ensure that resources are used efficiently and effectively to improve taxpayer compliance. LB I’s goal is to improve return selection, identify issues representing the risk of non-compliance, and make the greatest use of limited resources.

Work Opportunity Tax Credit

The Work Opportunity Tax Credit (WOTC) provides an incentive to hire individuals from targeted groups. The legislative changes under the Tax Increase Prevention Act of 2014, retroactively allow taxable employers to claim the WOTC for all of the targeted group employee categories listed on Form 5884, if they began work after Dec. 31, 2013, and before Jan. 1, 2015.

Effect of Sequestration on the Alternative Minimum Tax Credit for Corporations

The Balanced Budget and Emergency Deficit Reduction Act of 1985, as amended, requires certain spending cuts during Fiscal Year 2017 due to the sequester triggered earlier this year.

Self-Employed Individuals Tax Center

The basics on your tax responsibilities if you are self-employed or an independent contractor.

IRS Video Portal

The IRS Video portal contains video and audio presentations on topics of interest to small businesses, individuals and tax professionals. You will find video clips of tax topics, and archived versions of live panel discussions and webinars.

Employment Taxes

Federal income tax, Social Security and Medicare taxes, FUTA, self-employment tax and more.

Disaster Assistance and Emergency Relief for Individuals and Businesses

Special tax law provisions may help taxpayers and businesses recover financially from a disaster.

Small Business Forms and Publications

Download multiple small business and self-employed forms and publications.

e-file for Large Business and International (LB I)

Certain large business and International (LB I) corporations are required to electronically file their Forms 1120 and 1120S. Other corporations may do so voluntarily. This site provides e-file information for corporations that prepare and transmit their own electronic corporate income tax returns and those that use the services of third party tax professionals.

Employer ID Numbers

Find out more on EINs or apply for one online.

Employee Tool Equipment Plans

The Internal Revenue Service has established a compliance team to address the marketing and mistreatment of employee tool and equipment plans as tax-favored accountable plans.

Deducting Business Expenses

Find out what qualifies as a deductible business expense, including depreciation.

IRS Tax Calendar for Businesses and Self-Employed

The tax calendar is available for downloading and printing, or you can view it online.

EFTPS: The Electronic Federal Tax Payment System

Electronic Federal Tax Payment System (EFTPS). Free from the US Treasury.

Form 2290 e-file

Approved 2290 e-file providers.

U.S. Citizens and Resident Aliens Abroad

This section covers tax topics for U.S. citizens or resident aliens living overseas.

Excise Tax

Information about the various programs, databases, and activities within Excise Tax.

Industry Issue Resolution Program

The Industry Issue Resolution (IIR) Program resolves frequently disputed or burdensome tax issues. IRS solicits suggestions for issues for the program from taxpayers, representatives and associations.

Estate and Gift Taxes

General information on when these taxes apply and when they do not.

Filing Past Due Tax Returns

Understand how to file past due returns.

Information Returns Processing

The Information Reporting Program Website is designed to help you meet your Information Reporting Requirements. Included are help-line telephone numbers and direct links to aid you in reporting information returns. You will also find information about how to file returns electronically or magnetically.

LB I Directives

LB I Directives provide industry-related and administrative guidance to LB I examiners to ensure consistent tax administration. The Directives do not establish Service position on legal issues and are not legal guidance.

Online Ordering for Information Returns and Employer Returns

Order information returns and employer returns online.

Manufacturers’ Energy Efficient Appliance Credit

Act Section 305 – Modifications of Energy Efficient Appliance Credit for Appliances Produced After 2007

Audit Techniques Guides (ATGs)

These guides contain examination techniques to assist examiners in performing examinations.

Plug-In Electric Drive Vehicle Credit (IRC 30D)

Plug-In Electric Drive Vehicle Credit (IRC 30D) – Internal Revenue Code Section 30D provides a credit for Qualified Plug-in Electric Drive Motor Vehicles including passenger vehicles and light trucks.

Your Guide to an IRS Small Business Audit

Video series shows small business owners steps of an audit and answers questions about the process

Income from Abroad is Taxable

There have been recent reports about the interest of the Internal Revenue Service (IRS) in taxpayers with bank accounts in Liechtenstein. The IRS’ interest, however, extends beyond bank accounts in Liechtenstein to financial accounts anywhere in the world. The IRS reminds you to report your worldwide income on your U.S. tax return and lists the possible consequences of hiding income overseas.

Quality Examination Process

The Quality Examination Process (QEP) is a systematic approach for engaging and involving Large Business and International (LB I) taxpayers in the tax examination process, from the earliest planning stages through resolution of all issues and completion of the case.

Market Segment Understandings (MSU)

The IRS and taxpayers in particular market segments, work together to improve tax compliance.

Railroad Retirement Tax Act (RRTA) Desk Guide (January 2009)

This Desk Reference Guide is intended as a resource tool to assist Revenue Agents who are assigned the examination of a railroad employer. The Guide was prepared presuming that the reader has already received employment tax training.

Federal Payment Levy Program

Certain federal payments (OPM, SSA, federal employee salaries, and federal employee travel) disbursed by the Department of the Treasury, Bureau of Fiscal Service (BFS) may be subject to a 15 percent levy through the Federal Payment Levy Program (FPLP) to pay your delinquent tax debt. Find out your appeal rights and how to resolve any dispute.

Research Credit

Guidelines and audit technique guide are provided for field examiners on the examination of Research Credit cases.

The International Tax Gap

Find resources on this page pertaining to the international tax gap — the difference between the amount of tax that taxpayers should pay and the amount that is paid voluntarily and on time. The tax gap can also be thought of as the sum of non-compliance with the tax law.

Uncertain Tax Positions – Schedule UTP

IRS finalized Schedule UTP instructions for reporting uncertain tax positions by certain corporations.

IRS Non-Retaliation Policy

IRS has a zero-tolerance policy for retaliation and has had one in place since 1998.

Educating Your Employees About Tax Compliance

These products may help employees with their tax responsibilities.





Businesses to start, businesses to start.#Businesses #to #start

Business

Businesses can do much to prepare for the impact of the many hazards they face in today’s world including natural hazards like floods, hurricanes, tornadoes, earthquakes and widespread serious illness such as the H1N1 flu virus pandemic. Human-caused hazards include accidents, acts of violence by people and acts of terrorism. Examples of technology-related hazards are the failure or malfunction of systems, equipment or software.

Ready Business will assist businesses in developing a preparedness program by providing tools to create a plan that addresses the impact of many hazards. This website and its tools utilize an “all hazards approach” and follows the program elements within National Fire Protection Association 1600, Standard on Disaster/Emergency Management and Business Continuity Programs. NFPA 1600 is an American National Standard and has been adopted by the U.S. Department of Homeland Security.

The five steps in developing a preparedness program are Program Management, Planning, Implementation, Testing and Exercises, and Program Improvement. Find out more about the five steps below.

Program Management

  • Organize, develop and administer your preparedness program
  • Identify regulations that establish minimum requirements for your program

Find more information on Program Management here.

Planning

  • Gather information about hazards and assess risks
  • Conduct a business impact analysis (BIA)
  • Examine ways to prevent hazards and reduce risks

Find more information on Planning here.

Implementation

Write a preparedness plan addressing:

  • Resource management
  • Emergency response
  • Crisis communications
  • Business continuity
  • Information technology
  • Employee assistance
  • Incident management
  • Training

Find more information on Implemenation here.

Testing and Exercises

  • Test and evaluate your plan
  • Define different types of exercises
  • Learn how to conduct exercises
  • Use exercise results to evaluate the effectiveness of the plan

Find more information on Testing and Exercises here.

Program Improvement

  • Identify when the preparedness program needs to be reviewed
  • Discover methods to evaluate the preparedness program
  • Utilize the review to make necessary changes and plan improvements

Find more information on Program Improvement here.





Stocks To Watch: Top-Rated IPOs, Big Caps And Growth Stocks, Stock News

Stock Lists

Visit the IBD Store to get started.

Stock Lists

Stocks To Buy And Watch: Top IPOs, Big And Small Caps, Growth Stocks

  • IBD STAFF
  • 11/10/2017

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X Autoplay: On | Off With thousands of publicly-traded companies to choose from, how can you quickly find the best stocks to buy right now?

A good starting point is to regularly review screens that highlight the top-rated equities, including the IBD 50 list of leading growth stocks, IPO Leaders, IBD Big Cap 20, Sector Leaders and Stock Spotlight. (Scroll down to see which names are currently on these screens.)

In addition to pass or fail ratings for the most important stock-picking criteria, within these lists you’ll also find chart analysis that identifies stocks currently in or near a buy zone.

IBD 50

Stocks to watch

Click and scroll to see IBD 50 list

Sector Leaders

Stocks to watch

Click and scroll to see Sector Leaders list

New Highs

Stocks to watch

Click and scroll to see New Highs list

Stock Spotlight

Stocks to watch

Click and scroll to see Stock Spotlight list

IPO Leaders

Stocks to watch

Click and scroll to see IPO Leaders list

IBD Big Cap 20

Stocks to watch

Click and scroll to see IBD Big Cap 20 list

Tech Leaders

Stocks to watch

Click to see more Tech Leaders

Stocks Near A Buy Zone

Stocks to watch

Click to see more Stocks Near A Buy Zone

Time-Saving Investing Routine

Individual stocks don’t operate in a vacuum. They’re significantly impacted by the current trends within the general market.

To stay both profitable and protected, be sure to follow an investing routine that tracks both the fundamental and technical strength of the stock and existing market conditions. That combination is key to long-term investing success.

IBD Digital: Get access to subscriber-only stock lists and market analysis. Plus, add the weekly print edition for your weekend prep.

Leaderboard: Tap into IBD’s premium stock list, featuring timely alerts to buy points and sell signals, as well as risk-reducing options strategies and shorting opportunities.

Swing Trader: Get alerts to short-term trading opportunities that could compound into larger annual returns.

  • IBD STAFF | [email protected]

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Related news

Stocks to watch

Will These 4 Consumer Stock Leaders Keep Bull Market Alive And Healthy?

11/10/2017 Don’t ignore consumer stocks. They’re well represented within the IBD 50 alongside tech, finance and internet.

11/10/2017 Don’t ignore consumer stocks. They’re well represented within the IBD.

Nvidia Muscles Higher On Third-Quarter Beat, Price-Target Hikes
S P 500 Falls On Tax Fears; Snap Crash Offsets Nvidia, Roku, M A Buzz: Week In Review
Indexes Nearly Flat; 2 Blue Chips Buoy Dow As 10-Year Yield Jumps
Stocks Weaken Early; Leading Chipmaker Hits Record High
Stocks Open Lower As Disney Leads Dow; Nvidia Takes Fresh High
Nvidia Trounces Third-Quarter Views, Guides Sales Targets Higher
Stocks Close Off Lows; Disney Falls Late On Earnings
This REIT Shows Why It Belongs Among Leading New Issues

Today’s Spotlight

CAN SLIM Masters Program

Free MarketSmith Webinar on 11/15

Free Guide: Winning Stocks

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  • Stocks to watch This Cloud Company Took On Cisco And Citrix, Now Eyes Salesforce
  • Stocks to watch $7 Billion Air Force Program Would Do Less Than 1% Of What Commanders Want
  • 5 Revelations to Help You Make Money on TWTR Promoted Content By VectorVest

Special Report

Stocks to watch

Which Companies Are Now Outperforming 95% Of All Stocks?

See which stocks just got an upgrade and now have a 95 or higher IBD Composite Rating.

Stocks to watch

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Notice: Information contained herein is not and should not be construed as an offer, solicitation, or recommendation to buy or sell securities. The information has been obtained from sources we believe to be reliable; however no guarantee is made or implied with respect to its accuracy, timeliness, or completeness. Authors may own the stocks they discuss. The information and content are subject to change without notice.

*Real-time prices by Bats®. Volume delayed. Real-time quote and/or trade prices are not sourced from all markets.

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Canadian Business – Your Source For Business News – Your source for

Canada’s Richest People 2018: The Top 25 Richest Canadians

Our 19th annual guide to the richest people in Canada—how much they’re worth, how they made their fortunes, and the companies that got them there

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Richest People

10 huge Canadian fortunes that started with one small business

Every billionaire started somewhere. Here are some of the most inspiring stories of Rich 100–ranked entrepreneurs who started at the bottom

Ideas to start a business

Best Employers

How Equitable Bank reshaped its culture for a future of mobile-first finance

This traditional trust company had to rethink its processes—and its culture—in order to rethink its business for a younger, all-digital clientele

Ideas to start a business

Best Jobs

Canada’s Best Jobs: What you need to study to land a great gig

Want a job with the best pay, the most opportunity and the brightest outlook? Here s how to plan a career in some of the country s hottest industries

Ideas to start a business

Change Agent

How Joanna Griffiths is redefining the intimate apparel market

The CEO and founder of Knixwear created a high-tech bra and underwear brand to solve the unsexy problems facing real women, without sacrificing design

Ideas to start a business

PROFIT 500

Secrets of success from some of Canada’s savviest entrepreneurs

These leaders of PROFIT 500 companies share their hard-earned wisdom on starting, growing and leading Canada’s Fastest-Growing Companies

Ideas to start a business

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Blogs Comment

10 ways to actually bring fair tax relief to Canada’s middle class

The Trudeau government’s unpopular reforms for small business won t level the playing field in Canada. But these ones will

Ideas to start a business

PROFIT 500

The PROFIT 500: Canada’s Fastest Growing Companies 2017

Meet the winners of Canada’s most prestigious celebration of entrepreneurial achievement

Ideas to start a business

Innovation

4 ways volunteering in the community makes your company stronger

Community involvement and volunteerism can create better, happier employees and more effective workplaces. Here’s how

Ideas to start a business

Best Jobs

10 unmistakable signs it’s time to look for a new job

Sticking with the job you have is often a good choice—but inertia can be a career killer, too. Here are the signs of trouble to watch out for

Ideas to start a business

Innovation

Sign up for our daily morning strategy briefing

Kickstart your #cdnbiz morning

Ideas to start a business

Best MBA Programs

Canada’s Best MBAs: The Top 10 MBA Schools Ranked by Reputation

We surveyed MBA grads, human resources professionals, recruiters and more to determine the schools whose names open doors

Ideas to start a business

Innovation

Here’s why we shouldn’t fear artificial intelligence

Management and behavioural science author Daniel Pink shares an optimistic view about the threats and opportunities posed to labour by A.I.

Ideas to start a business

PROFIT 500

How to turn social media engagement into real sales

Social media is great for audience engagement and brand awareness, but it takes a special touch to translate buzz into revenue

Ideas to start a business

Best Managed Companies

Canada’s Best Managed Companies 2017

What does it take to be one of Canada’s Best Managed Companies? Fearless leadership, a culture of teamwork and relentless innovation

Ideas to start a business

Best Jobs

Canada’s Best Jobs 2017: The Top 25 Jobs in Canada

What makes a job one of Canada’s Best? Healthy demand for talent, a growing workforce, and a generous salary with room to move up

Ideas to start a business

Best Managed Companies

For the Running Room, the shift to digital retail is a marathon, not a sprint

John Stanton wanted to make exercise less intimidating. Now, customer-friendly stores are the Running Room’s biggest advantage in a digital world

Ideas to start a business

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The Best Business School in China, China Europe International Business School, introduction

introduction to business

Introduction to business

Ding Yuan, vice president of China Europe International Business School, said that as the Davos Forum was held amid a rising tide of de-globalization and trade protectionism, China’s attitude toward globalization and free trade issues has attracte

Introduction to business

So is there hope for foreign tech firms with aspirations to succeed in China? One tech company that appears to have made inroads into the China internet market as a niche player – and therefore suggests that it is not a lost cause – is InMobi.

Join us on a journey that will transform who you are. Change the way you think, analyse, manage – and gain vital insight into the world’s largest and most dynamic market. With our 18-month full-time, English language, MBA Programme based in Shanghai, you will be able to fast-forward your career like you could never have imagined.

Finance MBA

EXECUTIVE MBA

Are you an upper-level entrepreneur or executive who’s determined to further excel despite the uncertainties of this new era? Do you want to take your organisation to the next level by further developing your leadership qualities? Do you want to join the most powerful alumni network in China? CEIBS Executive MBA offers you world-class education with a unique vantage point of China’ s rapidly changing business and economic landscape.

Executive Education

No international business school knows China better, and no China-based school knows the world better. The CEIBS Executive Education offers companies our unique value proposition of unbeatable China knowledge matched with world-class business management learning. Our extensive Open Programmes and Company Specific Programmes have assisted more than 3,000 organisations and more than 100,000 executives in developing business leadership skills for today and the future.





Business News – Baltimore Sun, business to business.#Business #to #business

Business

Online retailer Bambeco is sold to Richmond-based distributor

Baltimore-based Bambeco, a fast-growing online retailer of sustainable home furnishings, has been sold to a Richmond, Va.,-based maker and distributor of home and garden goods after months of seeking an investor to support expansion. Bambeco became a brand of Evergreen Enterprises after the sale.

Baltimore ice rink at the Inner Harbor opens on appropriately chilly note

Questar tops off 414 Light St. tower on Baltimore Inner Harbor

Baltimore-area home sales, prices continue to climb in October

Community leaders and developers vow to sustain progress around Mondawmin despite Target’s closing

Lacrosse retailer LAX World shutters stores and leaves Cockeysville headquarters

Five minutes with David Rosen, partner and director of tax services at Rosen, Sapperstein & Friedlander

Baltimore wood stove maker raises $1.2 million with help from University System of Maryland

Spirit Airlines announces new flights to Cancun from BWI Marshall Airport

Marks Thomas Architects to merge with Moseley Architects

Hurricanes contribute to slight dip in passengers, ending 2-year streak of growth at BWI Marshall Airport

The Armoury More coverage of Under Armour

Under Armour co-founder s Pennsylvania ranch is on the market for $13.5 million

Struggling against headwinds, Under Armour navigates shifting retail shoals

Sun Hall of Fame

Honoring The Baltimore Sun s Business and Civic Hall of Fame, Class of 2017

Celebrating the 2017 Hall of Fame class

    Barbara Mikulski

    KAL: Sun Hall of Fame, Class of 2017

    Michael Cryor

More Business News

Hogan proposes end to state income taxes on military pensions

Gov. Larry Hogan marked Veterans Appreciation Month on Thursday by renewing his call for elimination of state income taxes on Maryland’s military retirees. At a State House news conference, Hogan contended that such a move is needed to keep the state’s military retirees from moving to states that.

Flanigan construction acquires green roof company Stancills

The Baltimore-based, family-owned construction firm P. Flanigan Sons said Thursday that it has acquired Stancills Inc., another family-owned company that Flanigan already had been using to supply the aggregate and soils for storm water and other environmental projects. Details of the acquisition.

Rosenstein: Rule of law must take precedence over politics

U.S. Deputy Attorney General Rod J. Rosenstein did not explicitly mention the continuing probe into Russian interference in the 2016 presidential election, but he stressed the importance of holding the rule of law above politics during a speech Thursday in Linthicum. Rosenstein, Maryland’s former.

Black Friday isn t for two weeks, but some stores are already offering deals

Thanksgiving is still two weeks away, but Black Friday has already begun – at least for some retailers. Best Buy on Wednesday began offering Black Friday discounts on hundreds of items, including big-screen TVs, Apple Watches and tablets. Walmart followed a day later, with $6 pajamas and $998.





Beyond the Bank Loan: 6 Alternative Financing Methods for Startups, how to

Beyond the Bank Loan: 6 Alternative Financing Methods for Startups

Many aspiring entrepreneurs have an idea for their business but lack the capital to actually start it. Brand-new businesses are often turned down for bank loans, and even if your business is established, funds can still be tough to secure. Loans funded by the Small Business Administration are usually more accessible, but they are becoming increasingly competitive.

So what options are left for someone aspiring to be a small business owner? Here are six options beyond bank loans for financing your startup.

Online lending

Online lenders have become a popular alternative to traditional business loans. These platforms have the advantage of speed, as an application takes only about an hour to complete, and the decision and accompanying funds can be issued within days. Because of the ease and quickness of online lending, economist and former U.S. Treasury Secretary Larry Summers said at the 2015 Lend It conference that he expects online lenders to eventually reach more than 70 percent of small businesses.

Editor s note: Are you considering a small business loan for your business? If you re looking for information to help you choose the one that s right for you, use the questionnaire below to have our sister site BuyerZone provide you with information from a variety of vendors for free:

Angel investors

Angel investors invest in early-stage or startup companies in exchange for a 20 to 25 percent return on their investment. They have helped to start up many prominent companies, including Google and Costco. Mark DiSalvo, CEO of private equity fund provider Semaphore said, You are likely to get an investor who has strategic experience, so they can provide tactical benefit to the company they are investing in.

Find out what makes angel investors fund a business here.

Venture capitalists

Venture capital is money that is given to help build new startups that are considered to have both high-growth and high-risk potential. Fast-growth companies with an exit strategy already in place can gain up to tens of millions of dollars that can be used to invest, network and grow their company frequently.

Brian Haughey, assistant professor of finance and director of the investment center at Marist College, said that because venture capitalists focus on specific industries, they can generally offer advice to entrepreneurs on whether the product will be successful or what they need to do to bring it to market. However, venture capitalists have a short leash when it comes to company loyalty and often look to recover their investment within a three- to five-year time window, he said.

Learn more about venture capital here.

Factoring/invoice advances

Through this process, a service provider will front you the money on invoices that have been billed out, which you then pay back once the customer has settled the bill. This way, the business can grow by providing the funds necessary to keep it going while waiting for customers to pay for outstanding invoices.

Eyal Shinar, CEO of small business cash flow management company Fundbox, says these advances allow companies to close the pay gap between billed work and payments to suppliers and contractors.

By closing the pay gap, companies can accept new projects more quickly, Shinar told Business News Daily. Our goal is to help business owners grow their businesses and hire new workers by ensuring steady cash flow.

Visit BND s guide to choosing a factoring service here.

Crowdfunding

Crowdfunding on sites such as Kickstarter and Indiegogo can give a boost to financing a small business. These sites allow businesses to pool small investments from a number of investors instead of having to look for a single investment.

Make sure to read the fine print of different crowdfunding sites before making your choice, as some sites have payment-processing fees, or require businesses to raise their full stated goal in order to keep any of the money raised.

Check out some emerging trends in crowdfunding here.

Grants

Businesses focused on science or research may be able to get grants from the government. The SBA offers grants through the Small Business Innovation Research (SBIR) and Small Business Technology Transfer (STTR) programs. Recipients of these grants are required to meet federal research-and-development goals, and have a high potential for commercialization.

Learn more about applying for a small business grant here.

Additional reporting by Katherine Arline and Nicole Taylor. Some source interviews were conducted for a previous version of this article.

Jennifer Post graduated from Rowan University in 2012 with a Bachelor s Degree in Journalism. Having worked in the food industry, print and online journalism, and marketing, she is now a freelance contributor for Business News Daily. When she s not working, you will find her exploring her current town of Cape May, NJ or binge watching Pretty Little Liars for the 700th time.





Business News From Australia – World, what business to start.#What #business #to

FANGed: Why Murdoch may sell Fox

What business to start

When Rupert Murdoch unofficially hung the for sale sign on his empire’s prized assets this week, it was confirmation that the mogul had been “FANGed”.

What business to start

Western Australian power banker joins EY

It has been a busy week for former Macquarie Capital senior banker and and now Reserve Bank of Australia board member Mark Barnaba.

What business to start

Saputo launches its charm offensive

Lino Saputo, Jr the boss of Canada’s dairy giant Saputo Inc says he does not see any potential issues with the competition regulator.

What business to start

Low expectations about Canberra circus

The boss of Harvey Norman says shoppers already have such low opinions of politicians that the citizenship crisis hasn’t knocked confidence levels.

What business to start

How Appleby’s Australian plan failed

Why the law firm at the centre of the Paradise Papers leaks abandoned an attempt to set up a Sydney beachhead.

Judge blasts ‘unethical’, ‘dishonest’ ANZ, NAB

  • James Frost

A judge has blasted ANZ and NAB for gross departures from basic standards of commercial decency, for which the banks will pay $50 million ea.

Double Irish schemes ‘unrealistic’, ATO warns

  • Neil Chenoweth

The Tax Office has hit out at “ineffective and unrealistic” schemes being promoted to US companies identified in the Paradise Papers to set .

Banks to launch mining-style ad campaign

  • James Eyers

A new “banks belong to you” campaign will remind Australians that 80pc of bank profits are returned to them via dividends.

Reynolds loses battle over unpaid settlement

  • Vesna Poljak
  • Patrick Commins

The NSW Supreme Court recorded a judgment against David Reynolds and Attis Capital in a dispute brought by Faye Mary Parker, the mother of f.

How ACCC’s NBN changes could really shake up telcos

  • Opinion
  • Peter Moon

The ACCC’s NBN push should shake up a tightly controlled sector where wholesalers withhold crucial data from smaller service providers.

Featured in Business

banking and finance

What business to start





Businesses to start, businesses to start.#Businesses #to #start

Business

Businesses can do much to prepare for the impact of the many hazards they face in today’s world including natural hazards like floods, hurricanes, tornadoes, earthquakes and widespread serious illness such as the H1N1 flu virus pandemic. Human-caused hazards include accidents, acts of violence by people and acts of terrorism. Examples of technology-related hazards are the failure or malfunction of systems, equipment or software.

Ready Business will assist businesses in developing a preparedness program by providing tools to create a plan that addresses the impact of many hazards. This website and its tools utilize an “all hazards approach” and follows the program elements within National Fire Protection Association 1600, Standard on Disaster/Emergency Management and Business Continuity Programs. NFPA 1600 is an American National Standard and has been adopted by the U.S. Department of Homeland Security.

The five steps in developing a preparedness program are Program Management, Planning, Implementation, Testing and Exercises, and Program Improvement. Find out more about the five steps below.

Program Management

  • Organize, develop and administer your preparedness program
  • Identify regulations that establish minimum requirements for your program

Find more information on Program Management here.

Planning

  • Gather information about hazards and assess risks
  • Conduct a business impact analysis (BIA)
  • Examine ways to prevent hazards and reduce risks

Find more information on Planning here.

Implementation

Write a preparedness plan addressing:

  • Resource management
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  • Crisis communications
  • Business continuity
  • Information technology
  • Employee assistance
  • Incident management
  • Training

Find more information on Implemenation here.

Testing and Exercises

  • Test and evaluate your plan
  • Define different types of exercises
  • Learn how to conduct exercises
  • Use exercise results to evaluate the effectiveness of the plan

Find more information on Testing and Exercises here.

Program Improvement

  • Identify when the preparedness program needs to be reviewed
  • Discover methods to evaluate the preparedness program
  • Utilize the review to make necessary changes and plan improvements

Find more information on Program Improvement here.





The Lean Startup, The Movement That Is Transforming How New Products Are

The Lean Startup

New Products are Built and Launched

Philosophy Helps Start-Ups Move Faster Ideas to start a business

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Many CEOs have fully embraced and continue to internalize the lean startup principles Ideas to start a business

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Get updates and exclusive content direct from Eric Ries

Benefits of The Lean Startup

Be more innovative.

Stop wasting people’s time.

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Lean Startup isn’t about being cheap [but is about] being less wasteful and still doing things that are big.

Principles of The Lean Startup

Lean Startups can operate with much less waste

The Lean Startup isn’t just about how to create a more successful entrepreneurial business. it’s about what we can learn from those businesses to improve virtually everything we do. I imagine Lean Startup principles applied to government programs, to healthcare, and to solving the world’s great problems. It’s ultimately an answer to the question ‘How can we learn more quickly what works, and discard what doesn’t? Tim O’Reilly CEO O’Reilly Media

Lean Startup Case Studies

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Dropbox revolutionized file-sharing by making an extremely easy-to-use, seamless application. Learn More

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Wealthfront is democratizing access to outstanding investment managers. Learn More

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Grockit was founded in 2007 to enable social learning, specifically test preparation (SAT, LSAT, etc). Learn More

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Founded in 2004, IMVU is the world’s largest 3D chat and dress-up community. Learn More

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Votizen is disrupting how our government and politics works by putting focus back on individual voter. Learn More

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Aardvark, a company subsequently acquired by Google, developed a social search engine. Learn More

Meet-ups are happening everywhere

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Get the Lean

Why get the book?

Do one important thing: make better, faster business decisions. Vastly better, faster business decisions. Bringing principles from lean manufacturing and agile development to the process of innovation, the Lean Startup helps companies succeed in a business landscape riddled with risk.

This book shows you how.

Ideas to start a business

About the Author

Eric Ries

Eric Ries is an entrepreneur and author of the New York Times bestseller





Accion, Small Business Loans, loans to start a business.#Loans #to #start #a

Launching Dreams, Empowering Entrepreneurs

Accion believes entrepreneurs create vibrant communities. We deliver a level of personalized service you won’t find at any other lender. Capital is just one tool you need to reach your goals, and we partner with you every step of the way.

Delivered to small business owners

Years of lending experience in the U.S.

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Entrepreneurs across the country served

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Loans designed to help you succeed, with terms specific to your needs and goals.

Champion for Small Business

We are leaders in the responsible lending movement and dedicated to advancing local and national initiatives that support and empower entrepreneurs.

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Every community has a unique business climate. Our on-the-ground expertise keeps you ahead of the curve no matter where you operate.

We match every borrower with a knowledgeable loan expert who provides personalized guidance through the loan process and beyond.

Simple Online Application

In less than 15 minutes, you could be on your way to getting the capital you need to run the business you love.

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A loan is an opportunity for a better future. Meet some of the entrepreneurs who have used Accion loans and support to grow their business.

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“At Accion, the loan process was straightforward. Now I have a whole line of sauces in 200 stores.”

What to Expect

A fast and simple online application experience paired with unmatched personalized service for every applicant.

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Get started by telling us about your business and financing needs. We welcome the chance to get to know you and your business. Questions? We are here to help.

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Get a solution that fits your needs

Our loan experts work one-on-one with you to tailor solutions to you, your business and your goals.

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Get the support you want

We want to be your most trusted resource. We’ll work with you every step of the way to put your loan to work and get your business on the right track.

Because we believe you deserve an efficient and transparent borrowing experience, we are a signatory of the Small Business Borrowers Bill of Rights.

Business Resources

Getting the capital your business needs is just one piece of the puzzle. Explore our library of tips, articles and videos to help your business grow.

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article

10 Essential Tips for Growing Your Business

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program

Brewing the American Dream

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3 Vital Components to Your Business Plan

Free Small Business Owner’s Toolkit

Running a business is hard work, but we re here to help. Get tips on everything from setting up your business to creating a website to paying taxes, based on Accion s experience helping entrepreneurs in every industry across the U.S.

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2017Accion is a 501(c)(3) nonprofit organization. All rights reserved.

Loans to start a business

“At Accion, the loan process was straightforward. Now I have a whole line of sauces in 200 stores.”





Business Loans, ChoiceOne Bank, loans to start a business.#Loans #to #start #a

We See Possibility.

Behind every business loan is a person. Our people work hard to understand your business so we can offer the best lending product. Whether you’re launching a businesses, or expanding your reach, we’ll help you move with speed.

Schedule a Complimentary Consultation

Brian Bacon

Brian Bacon

VP commercial Loan Officer

Banker for 20 years, outdoor enthusiast, advocate for camping on Silver Lake with family and friends, builder of off road trucks.

Jennifer Bellamy

Sparta

Jennifer Bellamy

VP Commercial Loan Officer

Banker for 15 years, enjoys time with family, and being involved in the community.

Lee Braford

Sparta

Lee Braford

SVP Chief Credit Officer

Banker for 30+ years, Board Member of Sparta Community Foundation, and Michigan outdoors enthusiast.

Troy Butler

Grand Rapids

Troy Butler

VP Commercial Loan Officer

Commercial Banker for 18 years, MSU Fan, entrepreneur, ice cream aficionado, family man.

Jason Parker

Sparta

Jason Parker

VP Commercial Lender

Banker for 19 years, outdoors enthusiast, family man, mountain biker, golfer, enjoys skiing with family, and riding quads with son.

Robert Robbins

Grand Rapids

Robert Robbins

VP Commercial Banking

Banker for 20 years, Detroit Tigers fan, fisher, golfer, and fan of my son’s college baseball team.

Kent Gagnon

Sparta

Kent Gagnon

VP Treasury Management

Banker for 30 years, chef-level cook at home, family man, frequent sports player.

Bonnie Koehn

Sparta

Bonnie Koehn

VP of Client Development

Banker for 14+ years, yard work enthusiast, and baker.

Routing Number # 072408436

Loans to start a business

You have clicked on an external link and are leaving the ChoiceOne.com website. ChoiceOne Bank provides these links as a convenience and isn t responsible for the security or content of any linked page.

Applying is fast and easy. Here s what you ll need to have ready:

  1. Your Social Security Number or Individual Tax Identification Number (ITIN)
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IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW ACCOUNT

To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial Banks to obtain, verify, and record information that identifies each person who opens an account.

When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We must also ask to see your driver’s license or other identifying documents.

Online Applications are available for residents of our service area including Kent, Newaygo, Muskegon, Ottawa, Montcalm, Oceana, Osceola, Ionia, Mecosta, Lake, Allegan, and Barry Counties in Michigan.





Business News & Financial News, Reuters, how to finance a business.#How #to

Business

How to finance a business

Larsen & Toubro beats estimates with 27 percent jump in Q2 profit

How to finance a business

Asia-Pacific leaders say to fight ‘unfair trade’ in nod to Trump

How to finance a business

India to slash sales tax on most goods subject to highest rate

How to finance a business

Analysis: India plans lending reforms as bankers fear new bad debt crisis

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China shopping festival smashes record with $25 billion haul

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Top lender SBI’s results signal Indian banks’ record bad loans peaking

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Exclusive – Rupert Murdoch twice discussed CNN with AT ?>

A Start-Up Slump Is a Drag on the Economy, what business to

The New York Times

What business to start

Graphic | A Long Start-Up Slump

September 20, 2017

Unemployment has fallen, and the stock market has soared. So why has the economic expansion since the recession been so tame, with sluggish productivity and, at least until recently, anemic wage growth?

Economists say the answer, to some degree, can be found in a start-up slump — a decline in the creation of new businesses — and a growing understanding of what’s behind it.

A total of 414,000 businesses were formed in 2015, the latest year surveyed, the Census Bureau reported Wednesday. It was a slight increase from the previous year, but well below the 558,000 companies given birth in 2006, the year before the recession set in.

“We’re still in a start-up funk,” said Robert Litan, an economist and antitrust lawyer who has studied the issue. “Obviously the recession had a lot to do with it, but then you’re left with the conundrum: Why hasn’t there been any recovery?”

Many economists say the answer could lie in the rising power of the biggest corporations, which they argue is stifling entrepreneurship by making it easier for incumbent businesses to swat away challengers — or else to swallow them before they become a serious threat.

“You’ve got rising market power,” said Marshall Steinbaum, an economist at the Roosevelt Institute, a liberal think tank. “In general, that makes it hard for new businesses to compete with incumbents. Market power is the story that explains everything.”

That argument comes at a potent political moment. Populists on both the left and right have responded to growing public unease about the corporate giants that increasingly dominate their online and offline lives. Polling data from Gallup and other organizations shows a long-running decline in confidence in banks and other big businesses — a concern not likely to abate after high-profile data breaches at Equifax and other companies.

The start-up slump has far-reaching implications. Small businesses in general are often cited as an exemplar of economic dynamism. But it is start-ups — and particularly the small subset of companies that grow quickly — that are key drivers of job creation and innovation, and have historically been a ladder into the middle class for less-educated workers and immigrants.

Perhaps most significant, start-ups play a critical role in making the economy as a whole more productive, as they invent new products and approaches, forcing existing businesses to compete or fall by the wayside.

“Across the decades, young companies are really the heavy hitters and the consistent hitters in terms of job creation,” said Arnobio Morelix, an economist at the Kauffman Foundation, a nonprofit in Kansas City, Mo., that studies and promotes entrepreneurship.

The start-up decline might defy expectations in the age of Uber and “Shark Tank.” But however counterintuitive, the trend is backed by multiple data sources and numerous economic studies.

In 1980, according to the Census Bureau data, roughly one in eight companies had been founded in the past year; by 2015, that ratio had fallen to fewer than one in 12. The downward trend cuts across regions and industries and, at least since 2000, includes even the beating heart of American entrepreneurship, high tech.

Although the overall slump dates back more than 30 years, economists are most concerned about a more recent trend. In the 1980s and 1990s, the entrepreneurial slowdown was concentrated in sectors such as retail, where corner stores and regional brands were being subsumed by national chains. That trend, though often painful for local communities, wasn’t necessarily a drag on productivity more generally.

Since about 2000, however, the slowdown has spread to parts of the economy more often associated with high-growth entrepreneurship, including the technology sector. That decline has coincided with a period of weak productivity growth in the United States as a whole, a trend that has in turn been implicated in the patterns of fitful wage gains and sluggish economic growth since the recession. Recent research has suggested that the decline in entrepreneurship, and in other measures of business dynamism, is one cause of the prolonged stagnation in productivity.

“We’ve got lots of pieces now that say dynamism has gone down a lot since 2000,” said John Haltiwanger, a University of Maryland economist who has done much of the pioneering work in the field. “Start-ups have gone down a lot since 2000, especially in the high-tech sectors, and there are increasingly strong links to productivity.”

What is behind the decline in entrepreneurship is less clear. Economists and other experts have pointed to a range of possible explanations: The aging of the baby-boom generation has left fewer Americans in their prime business-starting years. The decline of community banks and the collapse of the market for home-equity loans may have made it harder for would-be entrepreneurs to get access to capital. Increased regulation, at both the state and federal levels, may be particularly burdensome for new businesses that lack well-staffed compliance departments. Those and other factors could well play a role, but none can fully explain the decline.

More recently, economists — especially but not exclusively on the left — have begun pointing the finger at big business, and in particular at the handful of companies that increasingly dominate many industries.

What business to start

Graphic | Big Business, Getting Bigger The share of employees working at large, medium and small companies in the United States.

The evidence is largely circumstantial: The slump in entrepreneurship has coincided with a period of increasing concentration in nearly every major industry. Research from Mr. Haltiwanger and several co-authors has found that the most productive companies are growing more slowly than in the past, a hint that competitive pressures aren’t forcing companies to react as quickly to new innovations.

A recent working paper from economists at Princeton and University College London found that American companies are increasingly able to demand prices well above their costs — which according to standard economic theory would lead new companies to enter the market. Yet that isn’t happening.

“If we’re in an era of excessive profits, in competitive markets we would see record firm entry, but we see the opposite,” said Ian Hathaway, an economist who has studied the issue. That, Mr. Hathaway said, suggests that the market is not truly competitive — that existing companies have found ways to block competitors.

Experts also point to anecdotal examples that suggest that the rise of big businesses could be squelching competition. YouTube, Instagram and hundreds of lower-profile start-ups chose to sell out to industry heavyweights like Google and Facebook rather than try to take them on directly. The tech giants have likewise been accused of using the power of their platforms to favor their own offerings over those of competitors.

Most recently, Amazon openly called for a bidding war among cities for its second headquarters — hardly the kind of demand a new start-up could make. Mr. Morelix said the Amazon example was particularly striking.

“We’re saying that it’s O.K. that they shape how a city charges taxes?” Mr. Morelix said. “And what kind of regulations they have? That should be terrifying to anyone that wants a free market.”

In Washington, where for years politicians have praised small businesses while catering to big ones, issues of competition and entrepreneurship are increasingly drawing bipartisan attention. Several Republican presidential candidates referred to the start-up slump during last year’s primary campaign. Progressive Democrats such as Senators Elizabeth Warren of Massachusetts and Amy Klobuchar of Minnesota have pushed for stricter enforcement of antitrust rules. In a speech in March, Ms. Klobuchar explicitly tied the struggles of entrepreneurs to rising corporate concentration.

In July, entrepreneurs achieved a mark of political relevance: their own advocacy group. The newly formed Center for American Entrepreneurship will conduct research on the importance of new businesses to the economy and push for policies aimed at improving the start-up rate. Its founding president, John Dearie, comes from big business — he was most recently the acting head of the Financial Services Forum, which represents big financial institutions.

“Everybody loves entrepreneurship, but they’re not aware it’s in trouble,” Mr. Dearie said. “If new businesses are the engine of net new job creation, and if new businesses are the engine of innovation, and new business creation is at 30-year lows, that’s a national emergency.”

Follow Ben Casselman on Twitter: @bencasselman





Businesses, Internal Revenue Service, businesses to start.#Businesses #to #start

Tax Information For Businesses

Small Business and Self-Employed Tax Center

Access to tax information useful to small businesses with assets of $10 million or less.

Large Business and International Tax Center

This page provides links which are helpful for large to mid-size businesses with assets greater than $10 million

LB I Compliance Campaigns

LB I launches Compliance Campaigns. Campaigns will ensure that resources are used efficiently and effectively to improve taxpayer compliance. LB I’s goal is to improve return selection, identify issues representing the risk of non-compliance, and make the greatest use of limited resources.

Work Opportunity Tax Credit

The Work Opportunity Tax Credit (WOTC) provides an incentive to hire individuals from targeted groups. The legislative changes under the Tax Increase Prevention Act of 2014, retroactively allow taxable employers to claim the WOTC for all of the targeted group employee categories listed on Form 5884, if they began work after Dec. 31, 2013, and before Jan. 1, 2015.

Effect of Sequestration on the Alternative Minimum Tax Credit for Corporations

The Balanced Budget and Emergency Deficit Reduction Act of 1985, as amended, requires certain spending cuts during Fiscal Year 2017 due to the sequester triggered earlier this year.

Self-Employed Individuals Tax Center

The basics on your tax responsibilities if you are self-employed or an independent contractor.

IRS Video Portal

The IRS Video portal contains video and audio presentations on topics of interest to small businesses, individuals and tax professionals. You will find video clips of tax topics, and archived versions of live panel discussions and webinars.

Employment Taxes

Federal income tax, Social Security and Medicare taxes, FUTA, self-employment tax and more.

Disaster Assistance and Emergency Relief for Individuals and Businesses

Special tax law provisions may help taxpayers and businesses recover financially from a disaster.

Small Business Forms and Publications

Download multiple small business and self-employed forms and publications.

e-file for Large Business and International (LB I)

Certain large business and International (LB I) corporations are required to electronically file their Forms 1120 and 1120S. Other corporations may do so voluntarily. This site provides e-file information for corporations that prepare and transmit their own electronic corporate income tax returns and those that use the services of third party tax professionals.

Employer ID Numbers

Find out more on EINs or apply for one online.

Employee Tool Equipment Plans

The Internal Revenue Service has established a compliance team to address the marketing and mistreatment of employee tool and equipment plans as tax-favored accountable plans.

Deducting Business Expenses

Find out what qualifies as a deductible business expense, including depreciation.

IRS Tax Calendar for Businesses and Self-Employed

The tax calendar is available for downloading and printing, or you can view it online.

EFTPS: The Electronic Federal Tax Payment System

Electronic Federal Tax Payment System (EFTPS). Free from the US Treasury.

Form 2290 e-file

Approved 2290 e-file providers.

U.S. Citizens and Resident Aliens Abroad

This section covers tax topics for U.S. citizens or resident aliens living overseas.

Excise Tax

Information about the various programs, databases, and activities within Excise Tax.

Industry Issue Resolution Program

The Industry Issue Resolution (IIR) Program resolves frequently disputed or burdensome tax issues. IRS solicits suggestions for issues for the program from taxpayers, representatives and associations.

Estate and Gift Taxes

General information on when these taxes apply and when they do not.

Filing Past Due Tax Returns

Understand how to file past due returns.

Information Returns Processing

The Information Reporting Program Website is designed to help you meet your Information Reporting Requirements. Included are help-line telephone numbers and direct links to aid you in reporting information returns. You will also find information about how to file returns electronically or magnetically.

LB I Directives

LB I Directives provide industry-related and administrative guidance to LB I examiners to ensure consistent tax administration. The Directives do not establish Service position on legal issues and are not legal guidance.

Online Ordering for Information Returns and Employer Returns

Order information returns and employer returns online.

Manufacturers’ Energy Efficient Appliance Credit

Act Section 305 – Modifications of Energy Efficient Appliance Credit for Appliances Produced After 2007

Audit Techniques Guides (ATGs)

These guides contain examination techniques to assist examiners in performing examinations.

Plug-In Electric Drive Vehicle Credit (IRC 30D)

Plug-In Electric Drive Vehicle Credit (IRC 30D) – Internal Revenue Code Section 30D provides a credit for Qualified Plug-in Electric Drive Motor Vehicles including passenger vehicles and light trucks.

Your Guide to an IRS Small Business Audit

Video series shows small business owners steps of an audit and answers questions about the process

Income from Abroad is Taxable

There have been recent reports about the interest of the Internal Revenue Service (IRS) in taxpayers with bank accounts in Liechtenstein. The IRS’ interest, however, extends beyond bank accounts in Liechtenstein to financial accounts anywhere in the world. The IRS reminds you to report your worldwide income on your U.S. tax return and lists the possible consequences of hiding income overseas.

Quality Examination Process

The Quality Examination Process (QEP) is a systematic approach for engaging and involving Large Business and International (LB I) taxpayers in the tax examination process, from the earliest planning stages through resolution of all issues and completion of the case.

Market Segment Understandings (MSU)

The IRS and taxpayers in particular market segments, work together to improve tax compliance.

Railroad Retirement Tax Act (RRTA) Desk Guide (January 2009)

This Desk Reference Guide is intended as a resource tool to assist Revenue Agents who are assigned the examination of a railroad employer. The Guide was prepared presuming that the reader has already received employment tax training.

Federal Payment Levy Program

Certain federal payments (OPM, SSA, federal employee salaries, and federal employee travel) disbursed by the Department of the Treasury, Bureau of Fiscal Service (BFS) may be subject to a 15 percent levy through the Federal Payment Levy Program (FPLP) to pay your delinquent tax debt. Find out your appeal rights and how to resolve any dispute.

Research Credit

Guidelines and audit technique guide are provided for field examiners on the examination of Research Credit cases.

The International Tax Gap

Find resources on this page pertaining to the international tax gap — the difference between the amount of tax that taxpayers should pay and the amount that is paid voluntarily and on time. The tax gap can also be thought of as the sum of non-compliance with the tax law.

Uncertain Tax Positions – Schedule UTP

IRS finalized Schedule UTP instructions for reporting uncertain tax positions by certain corporations.

IRS Non-Retaliation Policy

IRS has a zero-tolerance policy for retaliation and has had one in place since 1998.

Educating Your Employees About Tax Compliance

These products may help employees with their tax responsibilities.





Stocks To Watch: Top-Rated IPOs, Big Caps And Growth Stocks, Stock News

Stock Lists

Visit the IBD Store to get started.

Stock Lists

Stocks To Buy And Watch: Top IPOs, Big And Small Caps, Growth Stocks

  • IBD STAFF
  • 11/10/2017

Stocks to watchStocks to watchStocks to watchStocks to watchStocks to watch

X Autoplay: On | Off With thousands of publicly-traded companies to choose from, how can you quickly find the best stocks to buy right now?

A good starting point is to regularly review screens that highlight the top-rated equities, including the IBD 50 list of leading growth stocks, IPO Leaders, IBD Big Cap 20, Sector Leaders and Stock Spotlight. (Scroll down to see which names are currently on these screens.)

In addition to pass or fail ratings for the most important stock-picking criteria, within these lists you’ll also find chart analysis that identifies stocks currently in or near a buy zone.

IBD 50

Stocks to watch

Click and scroll to see IBD 50 list

Sector Leaders

Stocks to watch

Click and scroll to see Sector Leaders list

New Highs

Stocks to watch

Click and scroll to see New Highs list

Stock Spotlight

Stocks to watch

Click and scroll to see Stock Spotlight list

IPO Leaders

Stocks to watch

Click and scroll to see IPO Leaders list

IBD Big Cap 20

Stocks to watch

Click and scroll to see IBD Big Cap 20 list

Tech Leaders

Stocks to watch

Click to see more Tech Leaders

Stocks Near A Buy Zone

Stocks to watch

Click to see more Stocks Near A Buy Zone

Time-Saving Investing Routine

Individual stocks don’t operate in a vacuum. They’re significantly impacted by the current trends within the general market.

To stay both profitable and protected, be sure to follow an investing routine that tracks both the fundamental and technical strength of the stock and existing market conditions. That combination is key to long-term investing success.

IBD Digital: Get access to subscriber-only stock lists and market analysis. Plus, add the weekly print edition for your weekend prep.

Leaderboard: Tap into IBD’s premium stock list, featuring timely alerts to buy points and sell signals, as well as risk-reducing options strategies and shorting opportunities.

Swing Trader: Get alerts to short-term trading opportunities that could compound into larger annual returns.

  • IBD STAFF | [email protected]

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Related news

Stocks to watch

Will These 4 Consumer Stock Leaders Keep Bull Market Alive And Healthy?

11/10/2017 Don’t ignore consumer stocks. They’re well represented within the IBD 50 alongside tech, finance and internet.

11/10/2017 Don’t ignore consumer stocks. They’re well represented within the IBD.

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Which Companies Are Now Outperforming 95% Of All Stocks?

See which stocks just got an upgrade and now have a 95 or higher IBD Composite Rating.

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Code School – Try R, introduction to business.#Introduction #to #business

Introduction to business

R is a tool for statistics and data modeling. The R programming language is elegant, versatile, and has a highly expressive syntax designed around working with data. R is more than that, though it also includes extremely powerful graphics capabilities. If you want to easily manipulate your data and present it in compelling ways, R is the tool for you.

Table of Contents

  1. R Syntax: A gentle introduction to R expressions, variables, and functions
  2. Vectors: Grouping values into vectors, then doing arithmetic and graphs with them
  3. Matrices: Creating and graphing two-dimensional data sets
  4. Summary Statistics: Calculating and plotting some basic statistics: mean, median, and standard deviation
  5. Factors: Creating and plotting categorized data
  6. Data Frames: Organizing values into data frames, loading frames from files and merging them
  7. Working With Real-World Data: Testing for correlation between data sets, linear models and installing additional packages

Chapter Badges

  1. Introduction to business
  2. Introduction to business
  3. Introduction to business
  4. Introduction to business
  5. Introduction to business
  6. Introduction to business
  7. Introduction to business
  8. Introduction to business




Business News From Australia – World, how to start a business.#How #to

FANGed: Why Murdoch may sell Fox

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When Rupert Murdoch unofficially hung the for sale sign on his empire’s prized assets this week, it was confirmation that the mogul had been “FANGed”.

How to start a business

Western Australian power banker joins EY

It has been a busy week for former Macquarie Capital senior banker and and now Reserve Bank of Australia board member Mark Barnaba.

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Saputo launches its charm offensive

Lino Saputo, Jr the boss of Canada’s dairy giant Saputo Inc says he does not see any potential issues with the competition regulator.

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Low expectations about Canberra circus

The boss of Harvey Norman says shoppers already have such low opinions of politicians that the citizenship crisis hasn’t knocked confidence levels.

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How Appleby’s Australian plan failed

Why the law firm at the centre of the Paradise Papers leaks abandoned an attempt to set up a Sydney beachhead.

Judge blasts ‘unethical’, ‘dishonest’ ANZ, NAB

  • James Frost

A judge has blasted ANZ and NAB for gross departures from basic standards of commercial decency, for which the banks will pay $50 million ea.

Double Irish schemes ‘unrealistic’, ATO warns

  • Neil Chenoweth

The Tax Office has hit out at “ineffective and unrealistic” schemes being promoted to US companies identified in the Paradise Papers to set .

Banks to launch mining-style ad campaign

  • James Eyers

A new “banks belong to you” campaign will remind Australians that 80pc of bank profits are returned to them via dividends.

Reynolds loses battle over unpaid settlement

  • Vesna Poljak
  • Patrick Commins

The NSW Supreme Court recorded a judgment against David Reynolds and Attis Capital in a dispute brought by Faye Mary Parker, the mother of f.

How ACCC’s NBN changes could really shake up telcos

  • Opinion
  • Peter Moon

The ACCC’s NBN push should shake up a tightly controlled sector where wholesalers withhold crucial data from smaller service providers.

Featured in Business

banking and finance

How to start a business





Business News – Baltimore Sun, business to business.#Business #to #business

Business

Online retailer Bambeco is sold to Richmond-based distributor

Baltimore-based Bambeco, a fast-growing online retailer of sustainable home furnishings, has been sold to a Richmond, Va.,-based maker and distributor of home and garden goods after months of seeking an investor to support expansion. Bambeco became a brand of Evergreen Enterprises after the sale.

Baltimore ice rink at the Inner Harbor opens on appropriately chilly note

Questar tops off 414 Light St. tower on Baltimore Inner Harbor

Baltimore-area home sales, prices continue to climb in October

Community leaders and developers vow to sustain progress around Mondawmin despite Target’s closing

Lacrosse retailer LAX World shutters stores and leaves Cockeysville headquarters

Five minutes with David Rosen, partner and director of tax services at Rosen, Sapperstein & Friedlander

Baltimore wood stove maker raises $1.2 million with help from University System of Maryland

Spirit Airlines announces new flights to Cancun from BWI Marshall Airport

Marks Thomas Architects to merge with Moseley Architects

Hurricanes contribute to slight dip in passengers, ending 2-year streak of growth at BWI Marshall Airport

The Armoury More coverage of Under Armour

Under Armour co-founder s Pennsylvania ranch is on the market for $13.5 million

Struggling against headwinds, Under Armour navigates shifting retail shoals

Sun Hall of Fame

Honoring The Baltimore Sun s Business and Civic Hall of Fame, Class of 2017

Celebrating the 2017 Hall of Fame class

    Barbara Mikulski

    KAL: Sun Hall of Fame, Class of 2017

    Michael Cryor

More Business News

Hogan proposes end to state income taxes on military pensions

Gov. Larry Hogan marked Veterans Appreciation Month on Thursday by renewing his call for elimination of state income taxes on Maryland’s military retirees. At a State House news conference, Hogan contended that such a move is needed to keep the state’s military retirees from moving to states that.

Flanigan construction acquires green roof company Stancills

The Baltimore-based, family-owned construction firm P. Flanigan Sons said Thursday that it has acquired Stancills Inc., another family-owned company that Flanigan already had been using to supply the aggregate and soils for storm water and other environmental projects. Details of the acquisition.

Rosenstein: Rule of law must take precedence over politics

U.S. Deputy Attorney General Rod J. Rosenstein did not explicitly mention the continuing probe into Russian interference in the 2016 presidential election, but he stressed the importance of holding the rule of law above politics during a speech Thursday in Linthicum. Rosenstein, Maryland’s former.

Black Friday isn t for two weeks, but some stores are already offering deals

Thanksgiving is still two weeks away, but Black Friday has already begun – at least for some retailers. Best Buy on Wednesday began offering Black Friday discounts on hundreds of items, including big-screen TVs, Apple Watches and tablets. Walmart followed a day later, with $6 pajamas and $998.





Business Loans Adelaide, Finance Brokers Adelaide, Commercial Loans, loans to start a

The right business loans allow your business to soar in Adelaide

Business loans are an essential key to making your business flourish in Adelaide. Whether you’re a start up or existing business, the right loan will put you on the road to success. When acquiring and developing a business, help from professional finance brokers is essential. At Coscia Finance we can assist with all facets of your business’s operations. Whether it’s purchasing commercial property, expanding your business or cash-flow funding, we can help you find business loans to facilitate the process in Adelaide.

Our finance brokers make the loan application process simple in Adelaide

The procedure of obtaining a business loan can be quite daunting for business owners unfamiliar with the process. With different lenders offering different loan options, it can become confusing. Rather than taking the steps alone, allow our finance brokers in Adelaide to be with you every step of the way. We equip you with the right information and documentation, making the process much easier. With our help, you will be confident in your business loan choice.

Our finance brokers liaise closely with business owners to ensure they understand their business goals. Often we ask to see a business plan, as well as personal and business financial statements. Information regarding collateral is also sometimes required if the loan is secured.

Once we’re equipped with a business’s relevant information, we help you prepare a business profile. A business profile provides lenders with relevant information about your business, including information regarding the company’s annual sales, a profit and loss statement, details about recent ownership, the type of business, number of employees etc.

Our finance brokers make the loan application process simple in Adelaide

Coscia Finance deals with more than 25 different lenders to find you the best business loan. Currently, secured loans are the most common form of funding, however, specific financing differs from lender to lender. Below we have outlined the most common financing options available.

• Start up financing

• Business growth financing

• Debtor/ inventory financing

• Motor vehicle financing

• Equipment and plant/ tool financing

• Business property financing

If you are starting up a new business, or alternatively want to grow your existing business, talk to our professional finance brokers at Coscia Finance in Adelaide. We are committed to helping your business and securing business loans that put you on the path to success in Adelaide.





Sports Management Worldwide, best business to start.#Best #business #to #start

Four Ways to Advance Your Sports Career to the Next Level

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Meet Your Instructors and Mentors

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Learn To Use Sports Industry Tools

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Best business to startBest business to startThe instructors are incredible and they will provide you with a wealth of knowledge in their respective field of expertise. The irreplaceable benefit of partnering with SMWW are the contacts and support you receive, even after you finish a course. If you want a career in sports, SMWW is the way to get there. Best business to start

Paul Epstein, Director of Sales Business Development for the San Francisco 49ers

Sports Job Opportunities

  • Sports Agent
  • Player Personnel
  • Scout
  • Management
  • Administration
  • Front Office
  • Digital Video Editing
  • PR and Community Relations
  • Game Day Operations
  • Sports Marketing
  • Sports Management
  • Sports Broadcasting
  • Salary Cap Analyst
  • Account Manager
  • Media Communications

For over a decade Sports Management Worldwide has been training students online to live out their dreams of a career in sports. With over 10,000 alumni from over 140 countries, our graduates are out there making a difference in the sports industry every day.

Best business to startBest business to startTaking SMWW’s Baseball GM Scouting course was one of the best decisions I have made. I learned so many valuable skills which will give me an edge in my career. I have since been named an Associate Scout with the Cleveland Indians. I recommend SMWW to anyone looking to break into the baseball world. Best business to start

Philip Nicoletta, Cleveland Indians Associate Scout





How to Start a Rice Dealership Business, Pinoy Bisnes Ideas, best business

How to Start a Rice Dealership Business

Best business to startRice is an important primary staple food in many Asian countries especially in the Philippines. Indicating the high demand for this commodity, planning to put up a rice dealership business in your area is a wise choice. There is already an assurance that this business will succeed because buyers are already there. Of course, in any kind of business, conducting a feasibility study is always a crucial step to take. This will assess the economic viability of your proposed business.

Here are some important questions to consider before plunging into this kind of business.

1. Do you have enough capital or budget for your rice dealership business? With at least P60,000 to P100,000 as a starting capital.

2. Do you want to operate as sole proprietorship or corporation? Business registration guide here.

3. Do you have a big and safe storage room for the sacks of rice that will be delivered to you?

4. Do you have a good location for your rice dealership business? Research the area of your target market, the flow of traffic and their buying habits.

5. Do you have lists of rice suppliers in your area? Make sure you have a lists of several suppliers and make a good relationship with them.

6. Do you have necessary equipments like calibrated weighing scales, rice sacks etc., and a service delivery (optional).

7. What varieties of rice do you intend to sell? Make sure to have several varieties of rice, so that your customers will have several options.

8. How will you market your business? This is also an important aspect especially you are new in this kind of business. Make a good marketing strategy and make your business known to your customers. Make a good deal with restaurant owners, hotels, resorts and small carenderias in your place to be their rice supplier.

Here are Some NFA Rice Dealership FAQ

Q: Who are required to secure license from NFA?

A: All persons, natural or juridical, that are engaging or intending to engage in the rice and/or corn business whether commercial or NFA rice/corn.

A: Before the start in any of the business activity enumerated above, the proprietor or operator should first secure a license from NFA. For those already license, businessmen should renew their annual license on any day within their scheduled month allotted by the NFA

A: Application may be filed at the NFA office that has jurisdiction over the location of the principal business of the applicant.

Q: In case we have more than one (1) store/establishment for Rice/Corn business, should all be licensed?

A: Yes, owner/operator should file a license for all outlets at the NFA office where his principal place of business is located. Additional outlets are treated as branches.

A: For new applicants, follow these procedures:

secure application form from the licensing officer upon payment of application fee;

accomplish and file application with complete requirements to the licensing officer who in turn checks the documents and determines corresponding license fee;

pay license fee to the cashier and get copy of official receipt;

prepare the facilities/equipment requirements for inspection by NFA Investigators;

after inspection of establishments, present notice of inspection to licensing officer, official receipt and proof of compliance with deficiencies, if any;

licensing officer issues license if application is found to be in order;

applicants display license in their establishments.

Procedures for renewal applicants:

secure application from licensing officer upon payment of application fee;

accomplish and file application with complete requirements together with previous year s license to the licensing officer;

licensing officer checks completeness of requirements and determines license fee to be paid;

pay license fee to the cashier and present the official receipt to licensing officer;

licensing officer issues renewal sticker and stick it to appropriate portion of the license if application is found to be in order;

applicants display licensing conspicuous place in their establishments.

Q: For New Applicants, how long do we have to wait for the Approval of our License Application?

A: The establishments and facility requirements of new applicants are inspected by NFA Investigators within 20 working days after the filling of their applications. Those inspected are given inspection notices stating the date when they can return to the NFA to show compliance with any deficiency, if any. Otherwise, their notices state the date they can get their license. In all these cases, it should not exceed 20 working days after inspection.

A: Application fee is P50.00 for a single line activity and P100.00 for two activities or more. License fees depend upon capacity of the post harvest equipment used.

A: Documentary and facility requirements depend upon the business activity.

Q: Does the NFA requires only Licensing on Rice/Corn Business Activities?

A: The NFA also require the registration of the following facilities aside from the license on the activities mentioned earlier list.

motor vehicles used or intended to be used in transport/hauling of palay/ rice/corn whether for exclusive use or for hire except public utility vehicles franchised by proper government agencies not principally used for transporting rice/palay/corn;

warehouses,threshers and sellers for own produce;

mechanical dryers for owner s/operators exclusive use;

packaging machines for owner s/operators exclusive use;

institutions/establishments securing their rice/corn requirements from the NFA;

poultry and hog raisers securing byproducts from the NFA;

manufacturers/importers/dealers and distributors of rice/corn post-harvest facilities;

non-operating mills and other post-harvest facilities. In this case, registration is done only once.

Registration is done at the office of the NFA that has jurisdiction over the location of the principal business of the applicant.

Registration fees see separate from that of the license fees.

Q: In the event that I discontinue my business, what should I do with my License/Registration Certificate?

A: Surrender your license/registration certificate to the NFA office that issued it together with a written notice of discontinuance.

Otherwise, in case you reapply, you would be charged with the fees for the entire period that you have not applied for renewal.

Q: What do you mean by Bonded Activities?

A: Bonded activities mean third party stocks are deposited in your facilities, for storage, milling, threshing, corn shelling or mechanical drying. Operators/owners of facilities accepting third party stocks are required to post a bond as well as fire insurance to safeguard the stocks of the third party.





Businesses, Internal Revenue Service, businesses to start.#Businesses #to #start

Tax Information For Businesses

Small Business and Self-Employed Tax Center

Access to tax information useful to small businesses with assets of $10 million or less.

Large Business and International Tax Center

This page provides links which are helpful for large to mid-size businesses with assets greater than $10 million

LB I Compliance Campaigns

LB I launches Compliance Campaigns. Campaigns will ensure that resources are used efficiently and effectively to improve taxpayer compliance. LB I’s goal is to improve return selection, identify issues representing the risk of non-compliance, and make the greatest use of limited resources.

Work Opportunity Tax Credit

The Work Opportunity Tax Credit (WOTC) provides an incentive to hire individuals from targeted groups. The legislative changes under the Tax Increase Prevention Act of 2014, retroactively allow taxable employers to claim the WOTC for all of the targeted group employee categories listed on Form 5884, if they began work after Dec. 31, 2013, and before Jan. 1, 2015.

Effect of Sequestration on the Alternative Minimum Tax Credit for Corporations

The Balanced Budget and Emergency Deficit Reduction Act of 1985, as amended, requires certain spending cuts during Fiscal Year 2017 due to the sequester triggered earlier this year.

Self-Employed Individuals Tax Center

The basics on your tax responsibilities if you are self-employed or an independent contractor.

IRS Video Portal

The IRS Video portal contains video and audio presentations on topics of interest to small businesses, individuals and tax professionals. You will find video clips of tax topics, and archived versions of live panel discussions and webinars.

Employment Taxes

Federal income tax, Social Security and Medicare taxes, FUTA, self-employment tax and more.

Disaster Assistance and Emergency Relief for Individuals and Businesses

Special tax law provisions may help taxpayers and businesses recover financially from a disaster.

Small Business Forms and Publications

Download multiple small business and self-employed forms and publications.

e-file for Large Business and International (LB I)

Certain large business and International (LB I) corporations are required to electronically file their Forms 1120 and 1120S. Other corporations may do so voluntarily. This site provides e-file information for corporations that prepare and transmit their own electronic corporate income tax returns and those that use the services of third party tax professionals.

Employer ID Numbers

Find out more on EINs or apply for one online.

Employee Tool Equipment Plans

The Internal Revenue Service has established a compliance team to address the marketing and mistreatment of employee tool and equipment plans as tax-favored accountable plans.

Deducting Business Expenses

Find out what qualifies as a deductible business expense, including depreciation.

IRS Tax Calendar for Businesses and Self-Employed

The tax calendar is available for downloading and printing, or you can view it online.

EFTPS: The Electronic Federal Tax Payment System

Electronic Federal Tax Payment System (EFTPS). Free from the US Treasury.

Form 2290 e-file

Approved 2290 e-file providers.

U.S. Citizens and Resident Aliens Abroad

This section covers tax topics for U.S. citizens or resident aliens living overseas.

Excise Tax

Information about the various programs, databases, and activities within Excise Tax.

Industry Issue Resolution Program

The Industry Issue Resolution (IIR) Program resolves frequently disputed or burdensome tax issues. IRS solicits suggestions for issues for the program from taxpayers, representatives and associations.

Estate and Gift Taxes

General information on when these taxes apply and when they do not.

Filing Past Due Tax Returns

Understand how to file past due returns.

Information Returns Processing

The Information Reporting Program Website is designed to help you meet your Information Reporting Requirements. Included are help-line telephone numbers and direct links to aid you in reporting information returns. You will also find information about how to file returns electronically or magnetically.

LB I Directives

LB I Directives provide industry-related and administrative guidance to LB I examiners to ensure consistent tax administration. The Directives do not establish Service position on legal issues and are not legal guidance.

Online Ordering for Information Returns and Employer Returns

Order information returns and employer returns online.

Manufacturers’ Energy Efficient Appliance Credit

Act Section 305 – Modifications of Energy Efficient Appliance Credit for Appliances Produced After 2007

Audit Techniques Guides (ATGs)

These guides contain examination techniques to assist examiners in performing examinations.

Plug-In Electric Drive Vehicle Credit (IRC 30D)

Plug-In Electric Drive Vehicle Credit (IRC 30D) – Internal Revenue Code Section 30D provides a credit for Qualified Plug-in Electric Drive Motor Vehicles including passenger vehicles and light trucks.

Your Guide to an IRS Small Business Audit

Video series shows small business owners steps of an audit and answers questions about the process

Income from Abroad is Taxable

There have been recent reports about the interest of the Internal Revenue Service (IRS) in taxpayers with bank accounts in Liechtenstein. The IRS’ interest, however, extends beyond bank accounts in Liechtenstein to financial accounts anywhere in the world. The IRS reminds you to report your worldwide income on your U.S. tax return and lists the possible consequences of hiding income overseas.

Quality Examination Process

The Quality Examination Process (QEP) is a systematic approach for engaging and involving Large Business and International (LB I) taxpayers in the tax examination process, from the earliest planning stages through resolution of all issues and completion of the case.

Market Segment Understandings (MSU)

The IRS and taxpayers in particular market segments, work together to improve tax compliance.

Railroad Retirement Tax Act (RRTA) Desk Guide (January 2009)

This Desk Reference Guide is intended as a resource tool to assist Revenue Agents who are assigned the examination of a railroad employer. The Guide was prepared presuming that the reader has already received employment tax training.

Federal Payment Levy Program

Certain federal payments (OPM, SSA, federal employee salaries, and federal employee travel) disbursed by the Department of the Treasury, Bureau of Fiscal Service (BFS) may be subject to a 15 percent levy through the Federal Payment Levy Program (FPLP) to pay your delinquent tax debt. Find out your appeal rights and how to resolve any dispute.

Research Credit

Guidelines and audit technique guide are provided for field examiners on the examination of Research Credit cases.

The International Tax Gap

Find resources on this page pertaining to the international tax gap — the difference between the amount of tax that taxpayers should pay and the amount that is paid voluntarily and on time. The tax gap can also be thought of as the sum of non-compliance with the tax law.

Uncertain Tax Positions – Schedule UTP

IRS finalized Schedule UTP instructions for reporting uncertain tax positions by certain corporations.

IRS Non-Retaliation Policy

IRS has a zero-tolerance policy for retaliation and has had one in place since 1998.

Educating Your Employees About Tax Compliance

These products may help employees with their tax responsibilities.





The Lean Startup, The Movement That Is Transforming How New Products Are

The Lean Startup

New Products are Built and Launched

Philosophy Helps Start-Ups Move Faster Ideas to start a business

Offers new ways to cut work time and investment Ideas to start a business

Many CEOs have fully embraced and continue to internalize the lean startup principles Ideas to start a business

Concepts apply both to designing products and to developing a market Ideas to start a business

Sign up for the Lean Startup Newsletter

Get updates and exclusive content direct from Eric Ries

Benefits of The Lean Startup

Be more innovative.

Stop wasting people’s time.

Be more successful.

Lean Startup isn’t about being cheap [but is about] being less wasteful and still doing things that are big.

Principles of The Lean Startup

Lean Startups can operate with much less waste

The Lean Startup isn’t just about how to create a more successful entrepreneurial business. it’s about what we can learn from those businesses to improve virtually everything we do. I imagine Lean Startup principles applied to government programs, to healthcare, and to solving the world’s great problems. It’s ultimately an answer to the question ‘How can we learn more quickly what works, and discard what doesn’t? Tim O’Reilly CEO O’Reilly Media

Lean Startup Case Studies

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Dropbox revolutionized file-sharing by making an extremely easy-to-use, seamless application. Learn More

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Wealthfront is democratizing access to outstanding investment managers. Learn More

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Grockit was founded in 2007 to enable social learning, specifically test preparation (SAT, LSAT, etc). Learn More

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Founded in 2004, IMVU is the world’s largest 3D chat and dress-up community. Learn More

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Votizen is disrupting how our government and politics works by putting focus back on individual voter. Learn More

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Aardvark, a company subsequently acquired by Google, developed a social search engine. Learn More

Meet-ups are happening everywhere

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Get the Lean

Why get the book?

Do one important thing: make better, faster business decisions. Vastly better, faster business decisions. Bringing principles from lean manufacturing and agile development to the process of innovation, the Lean Startup helps companies succeed in a business landscape riddled with risk.

This book shows you how.

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About the Author

Eric Ries

Eric Ries is an entrepreneur and author of the New York Times bestseller





Business Daily, HOME, business to business.#Business #to #business

Sale of State sugar firms on after suit flops

Leaders claimed that national government lacked authority to dispose of the millers

Business to business

Mombasa-Nairobi pipeline set for launch before Christmas

Uhuru, IEBC respond to Omtatah poll petition

Economy Oil pipeline job should go to multiple contractors: Magufuli

Markets Safaricom sheds Sh20bn in week of Nasa boycott

Economy INDEPTH: Poverty hits efforts to curb child marriages in Turkana

News Kanu era tycoon secures cash for Turkana energy unit

Corporate Twitter halts blue check mark verifications

Economy Maize delay at port signals Sh90 flour shortage in shops

News Rotich now eyes syndicated loan ahead of Eurobond

Markets Polls hit pension schemes hard in the third quarter

News Unclaimed cash hits Sh10.4bn in Oct as 87 more firms comply

Economy Contracts to link 650,000 homes to electricity signed

Money Markets

Business to business

Kanu era tycoon secures cash for Turkana energy unit

National Housing eyes Treasury green light to secure more financing

Kiambu registers land agents to curb fraud

Marine cargo premiums up 11 per cent to Sh651 million

Rotich says rate caps only ‘a short-term’ measure

Mumias returns to ethanol sales 5 months later

Corporate News

Business to business

Java eyes new cafès outside Nairobi after USIU launch

StarTimes woos customers with bouquet upgrade

Astral Aviation acquires aircraft in lease deal to boost exports

Ericsson settles Sh800m tax dispute with KRA

Number of DTB Tanzania branches increases to 28

Oracle targets SMEs with new cloud services

Opinion

Business to business

KISERO: Kenya deep in the middle of debt trap

LETTERS: KCSE grading system should be transparent

EDITORIAL: Piling debt obligations major cause of worry

MBULA: Law will play pivotal role in oil and gas exploration,

EDITORIAL: Bad publicity hurting KQ

ELDON: The challenges of national mediation

Economy and Politics

Business to business

Saudis calm Norfolk hotel after tycoon owner arrest

Now Matiba wants State to foot Sh234m lawyer’s fee

Defence PS faces jail for blocking pay to contractor

MP sues NBK for wrongful dismissal

Why poverty plagues Africa despite riches

Bill seeks to cut population size for city status

Lifestyle

Business to business

Hard landing for ex-KQ finance boss

Showcasing Kenyan theatre to the world

Heartstrings hits home with new comedy ‘Kenya for Sale’

How Hospital Hill debunked mixed-race education myths

Lessons on playing like a pro-golfer in the rain

Special assignments lift my prospects for top job

Special Reports

Business to business





Accion, Small Business Loans, loans to start a business.#Loans #to #start #a

Launching Dreams, Empowering Entrepreneurs

Accion believes entrepreneurs create vibrant communities. We deliver a level of personalized service you won’t find at any other lender. Capital is just one tool you need to reach your goals, and we partner with you every step of the way.

Delivered to small business owners

Years of lending experience in the U.S.

500,000+

Entrepreneurs across the country served

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What Makes Us Different

Loans designed to help you succeed, with terms specific to your needs and goals.

Champion for Small Business

We are leaders in the responsible lending movement and dedicated to advancing local and national initiatives that support and empower entrepreneurs.

Access to business experts, special events, networking, and opportunities from our partners, as well as exclusive online resources help you take your business to the next level.

Every community has a unique business climate. Our on-the-ground expertise keeps you ahead of the curve no matter where you operate.

We match every borrower with a knowledgeable loan expert who provides personalized guidance through the loan process and beyond.

Simple Online Application

In less than 15 minutes, you could be on your way to getting the capital you need to run the business you love.

Hear What Business Owners Are Saying

A loan is an opportunity for a better future. Meet some of the entrepreneurs who have used Accion loans and support to grow their business.

Maria Harrison
Tea Gallerie

“We were so happy that someone believed in us. Accion is a financial partner and a supportive community partner.”

Odilon Celestin
C M Sweet Bakery

“Accion doesn’t just give you money they help you survive. My dream came true because I didn’t give up.”

Scott Carpenter
Underground Fitness

“I hit a lot of dead ends. Then I found Accion.”

Pamela A. Jones
Charboy’s

“At Accion, the loan process was straightforward. Now I have a whole line of sauces in 200 stores.”

What to Expect

A fast and simple online application experience paired with unmatched personalized service for every applicant.

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Apply online, in person or call us

Get started by telling us about your business and financing needs. We welcome the chance to get to know you and your business. Questions? We are here to help.

Loans to start a business

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Our loan experts work one-on-one with you to tailor solutions to you, your business and your goals.

Loans to start a business

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We want to be your most trusted resource. We’ll work with you every step of the way to put your loan to work and get your business on the right track.

Because we believe you deserve an efficient and transparent borrowing experience, we are a signatory of the Small Business Borrowers Bill of Rights.

Business Resources

Getting the capital your business needs is just one piece of the puzzle. Explore our library of tips, articles and videos to help your business grow.

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article

10 Essential Tips for Growing Your Business

Loans to start a business

program

Brewing the American Dream

Loans to start a business

video

3 Vital Components to Your Business Plan

Free Small Business Owner’s Toolkit

Running a business is hard work, but we re here to help. Get tips on everything from setting up your business to creating a website to paying taxes, based on Accion s experience helping entrepreneurs in every industry across the U.S.

Loans to start a business

2017Accion is a 501(c)(3) nonprofit organization. All rights reserved.

Loans to start a business

“At Accion, the loan process was straightforward. Now I have a whole line of sauces in 200 stores.”





The Telegraph Festival of Business, best small business to start.#Best #small #business

Festival of Business

Best small business to start Best small business to start

Best small business to start Best small business to start Best small business to start Best small business to start

The Telegraph Festival of Business 2017

The seventh Festival of Business will take place in London on Tuesday 7 November, 2017. This one day conference, regularly attracting an audience of 600 senior executives from UK businesses, will bring together some of the best-known names in British business, along with leading politicians and thought leaders, in a bid to ensure the continued growth of Britain’s small businesses. A combination of keynote addresses, live interviews, case studies, expert panels, quick-fire talks, and masterclasses will ensure attendees leave the conference having found inspiration, heard pioneering examples of business development and cemented valuable relationships with their peers.

Agenda

Registration and Breakfast

Welcome Address from the Chairman

Jeremy Warner, Associate Editor, The Telegraph

Lady Michelle Mone, Baroness of Mayfair OBE

Panel Session: Talent: attracting, recruiting and retaining your most valuable asset

Understand how important your company’s values are for recruitment and learn how to encourage millennials through to Gen X to join and then get them to stay. Gain insights into competing with larger companies when it comes to salary, culture and apprenticeships and delve further into the complexities of employment regulation.

Craig Donaldson, Chief Executive Officer, Metro Bank

Karen Blackett, OBE Chairwoman, MediaCom UK

Kiera Lawlor, Head of Happiness, Social Chain

Kirstin Furber, People Director, BBC Worldwide

Moderator: Rebecca Burn-Callander, Contributor, The Telegraph

Panel Session: Leading your business to success

Hear first hand on how to lead through change and how to successfully delegate. Gain insights into day-to-day management tips and understand the key lessons learnt by overcoming failure.

James Daunt, Chief Executive Officer, Waterstones

Chris Morling, Founder and Managing Director, money.co.uk

Helena Morrissey, Head of Personal Investing, Legal General Investment Management

Moderator: Liam Halligan, Economics Commentator, The Telegraph

Networking and Refreshment Break

Quick-fire Talk: Cyber security – how to prevent the worst from happening

Senior Representative, National Cyber Security Centre (NCSC)

Q A: Late Payments: can common ground be found?

A discussion that speaks to both sides, is honest about what the issues are at both ends and is constructive in terms of solutions.

Richard Gilkes, Managing Director, Stort Chemical

Philip King, Chief Executive, Chartered Institute of Credit Management

Moderator: Liam Halligan, Economics Commentator, The Telegraph

The importance of growth and international trade for SMEs

The Rt Hon Dr. Liam Fox MP, Secretary of State for International Trade

Plotting the future of tech innovation in your business

The new tech landscape; identify fads vs genuinely useful future tech and investing wisely to make the best tech choices. Gain insights into the importance of company-wide adoption and understanding and recruiting the relevant talent to deal with changing tech and transformation.

Chief Digital Officer

Digital Marketing Lead, UK

Pfizer Innovative Health

Moderator: Robert Bridge

Chief Customer Officer

Scaling Up Your Business Operations

Gain insights and advice on whether it’s best to scale through partnerships or organically. Understand how to ensure optimal staffing when growing and how to know when to step back.

Head of Enterprise

Business Banking NatWest/RBS

Founder and Chief Executive Officer

Chief Executive and Co-founder

Moderator: Matt Caines

Editor, Telegraph Connect

Supporting UK business to export and grow

Which will be the new frontiers? Identifying the changes to consider following Brexit and understand cross cultural business differences. Examine the steps to take when starting to export.

Emma Jones, Founder, Enterprise Nation

Joshua Stevens, Chief Executive Officer, One Retail Group

Dr Adam Marshall, Director General, British Chambers of Commerce

Moderator: Rebecca Burn-Callander, Contributor, The Telegraph

Securing your business against cyber threats

Cyber security; an issue not to be taken lightly and potentially one of the the biggest threats facing SMEs today. Understand how to achieve a cyber security 101 strategy and the preventative measures you can take and what to do when disaster strikes.

Sam Nixon, Product Owner, Decoded

Phil Lander, Director of Mobile and IT, B2B, Samsung Europe

Rowan Davies, Head of Policy and Campaigns, Mumsnet

Moderator: Stephan Freeman, Chief Information Security Officer, The Telegraph





Introduction to Web Accessibility, Web Accessibility Initiative (WAI), W3C, introduction to business.#Introduction

Introduction to Web Accessibility

What is Web Accessibility

Web accessibility means that people with disabilities can use the Web. More specifically, Web accessibility means that people with disabilities can perceive, understand, navigate, and interact with the Web, and that they can contribute to the Web. Web accessibility also benefits others, including older people with changing abilities due to aging.

Web accessibility encompasses all disabilities that affect access to the Web, including visual, auditory, physical, speech, cognitive, and neurological disabilities. The document “How People with Disabilities Use the Web” describes how different disabilities affect Web use and includes scenarios of people with disabilities using the Web.

Millions of people have disabilities that affect their use of the Web. Currently most Web sites and Web software have accessibility barriers that make it difficult or impossible for many people with disabilities to use the Web. As more accessible Web sites and software become available, people with disabilities are able to use and contribute to the Web more effectively.

Web accessibility also benefits people without disabilities. For example, a key principle of Web accessibility is designing Web sites and software that are flexible to meet different user needs, preferences, and situations. This flexibility also benefits people without disabilities in certain situations, such as people using a slow Internet connection, people with “temporary disabilities” such as a broken arm, and people with changing abilities due to aging. The document “Developing a Web Accessibility Business Case for Your Organization” describes many different benefits of Web accessibility, including benefits for organizations.

Why Web Accessibility is Important

The Web is an increasingly important resource in many aspects of life: education, employment, government, commerce, health care, recreation, and more. It is essential that the Web be accessible in order to provide equal access and equal opportunity to people with disabilities. An accessible Web can also help people with disabilities more actively participate in society.

The Web offers the possibility of unprecedented access to information and interaction for many people with disabilities. That is, the accessibility barriers to print, audio, and visual media can be much more easily overcome through Web technologies.

The document “Social Factors in Developing a Web Accessibility Business Case for Your Organization” discusses how the Web impacts the lives of people with disabilities, the overlap with digital divide issues, and Web accessibility as an aspect of corporate social responsibility.

Another important consideration for organizations is that Web accessibility is required by laws and policies in some cases. WAI Web Accessibility Policy Resources links to resources for addressing legal and policy factors within organizations, including a list of relevant laws and policies around the world.

Making the Web Accessible

Much of the focus on Web accessibility has been on the responsibilities of Web developers. However, Web software also has a vital role in Web accessibility. Software needs to help developers produce and evaluate accessible Web sites, and be usable by people with disabilities.

One of the roles of the Web Accessibility Initiative (WAI) is to develop guidelines and techniques that describe accessibility solutions for Web software and Web developers. These WAI guidelines are considered the international standard for Web accessibility.

The document “Essential Components of Web Accessibility” describes the different Web accessibility roles, and how specific improvements could substantially advance Web accessibility.

Making Your Web Site Accessible

Making a Web site accessible can be simple or complex, depending on many factors such as the type of content, the size and complexity of the site, and the development tools and environment.

Many accessibility features are easily implemented if they are planned from the beginning of Web site development or redesign. Fixing inaccessible Web sites can require significant effort, especially sites that were not originally “coded” properly with standard XHTML markup, and sites with certain types of content such as multimedia.

The document “Implementation Plan for Web Accessibility” lists basic steps for addressing accessibility in Web projects. The Web Content Accessibility Guidelines and techniques documents provide detailed information for developers.

Evaluating the Accessibility of a Web Site

When developing or redesigning a site, evaluating accessibility early and throughout the development process can identify accessibility problems early when it is easier to address them. Simple techniques such as changing settings in a browser can determine if a Web page meets some accessibility guidelines. A comprehensive evaluation to determine if a site meets all accessibility guidelines is much more complex.

There are evaluation tools that help with evaluation. However, no tool alone can determine if a site meets accessibility guidelines. Knowledgeable human evaluation is required to determine if a site is accessible.

The document “Evaluating Web Sites for Accessibility” provides guidance on preliminary reviews using techniques to quickly assess some of the accessibility problems on a site. It also provides general procedures and tips for evaluating conformance to accessibility guidelines.

For More Information

The WAI Web site provides guidelines and resources to help make the Web accessible. These range from very short summaries, such as “Quick Tips to Make Accessible Web Sites,” to resources on managing accessibility, to detailed technical references.

Related resources for making the Web accessible are also available from other organizations, and many can be found on the Web.

Terminology

Web “content” generally refers to the information in a Web page or Web application, including text, images, forms, sounds, and such. More specific definitions are available in the WCAG documents, which are linked from the Web Content Accessibility Guidelines (WCAG) Overview.

People with disabilities sometimes use other software, called assistive technologies, to interact with the Web.

Document Information

Status: First published February 2005. Updated September 2005.

Editor: Shawn Lawton Henry, and participants of the Education and Outreach Working Group (EOWG).

Feedback welcome to [email protected] (a publicly archived list) or [email protected] (a WAI staff-only list).

Copyright В© 1994-2012 W3C В® (MIT , ERCIM , Keio), All Rights Reserved. W3C liability, trademark, document use and software licensing rules apply. Your interactions with this site are in accordance with our public and Member privacy statements.





Business News – Baltimore Sun, business to business.#Business #to #business

Business

Online retailer Bambeco is sold to Richmond-based distributor

Baltimore-based Bambeco, a fast-growing online retailer of sustainable home furnishings, has been sold to a Richmond, Va.,-based maker and distributor of home and garden goods after months of seeking an investor to support expansion. Bambeco became a brand of Evergreen Enterprises after the sale.

Baltimore ice rink at the Inner Harbor opens on appropriately chilly note

Questar tops off 414 Light St. tower on Baltimore Inner Harbor

Baltimore-area home sales, prices continue to climb in October

Community leaders and developers vow to sustain progress around Mondawmin despite Target’s closing

Lacrosse retailer LAX World shutters stores and leaves Cockeysville headquarters

Five minutes with David Rosen, partner and director of tax services at Rosen, Sapperstein & Friedlander

Baltimore wood stove maker raises $1.2 million with help from University System of Maryland

Spirit Airlines announces new flights to Cancun from BWI Marshall Airport

Marks Thomas Architects to merge with Moseley Architects

Hurricanes contribute to slight dip in passengers, ending 2-year streak of growth at BWI Marshall Airport

The Armoury More coverage of Under Armour

Under Armour co-founder s Pennsylvania ranch is on the market for $13.5 million

Struggling against headwinds, Under Armour navigates shifting retail shoals

Sun Hall of Fame

Honoring The Baltimore Sun s Business and Civic Hall of Fame, Class of 2017

Celebrating the 2017 Hall of Fame class

    Barbara Mikulski

    KAL: Sun Hall of Fame, Class of 2017

    Michael Cryor

More Business News

Hogan proposes end to state income taxes on military pensions

Gov. Larry Hogan marked Veterans Appreciation Month on Thursday by renewing his call for elimination of state income taxes on Maryland’s military retirees. At a State House news conference, Hogan contended that such a move is needed to keep the state’s military retirees from moving to states that.

Flanigan construction acquires green roof company Stancills

The Baltimore-based, family-owned construction firm P. Flanigan Sons said Thursday that it has acquired Stancills Inc., another family-owned company that Flanigan already had been using to supply the aggregate and soils for storm water and other environmental projects. Details of the acquisition.

Rosenstein: Rule of law must take precedence over politics

U.S. Deputy Attorney General Rod J. Rosenstein did not explicitly mention the continuing probe into Russian interference in the 2016 presidential election, but he stressed the importance of holding the rule of law above politics during a speech Thursday in Linthicum. Rosenstein, Maryland’s former.

Black Friday isn t for two weeks, but some stores are already offering deals

Thanksgiving is still two weeks away, but Black Friday has already begun – at least for some retailers. Best Buy on Wednesday began offering Black Friday discounts on hundreds of items, including big-screen TVs, Apple Watches and tablets. Walmart followed a day later, with $6 pajamas and $998.





Short-term Business Loans at, loans to start a business.#Loans #to #start #a

Short-term business loans

Most businesses will need to borrow money at some stage either to help with cashflow, or to pay for expansion costs, and a short-term business loan can provide the ideal solution. Although recent years have seen a reduction in the number of business loans on offer, there are still plenty of options available to explore.

The providers below are ranked by the following scenario; taking out a loan of £10,000 over 6 months. Ranked by the least you would need to pay back in total over the period.

Rates from 4.5% per year. Terms from 6 months – 5 years

Apply online get a decision typically in 24 hrs

You ll have a dedicated Account Manager from start to finish

Minimum criteria: Two years+ filed accounts at Companies House or formally prepared accounts for non-limited businesses.

Loans to start a business

Borrow up to 250,000 unsecured and up to 500,000 secured

Terms from one month – four years

If approved, funds are sent within hours of signing your agreement

Early repayment fees do not apply – repay early, pay less

Top-ups and payment holidays available after three months of successful repayments

Loans to start a business

Only see loans you are eligible for

Searching has no impact on your credit score

Service is completely free to use

Choose which providers you deal with

Loans to start a business

If approved, funds can be in your bank account within hours

Early repayment fees don t apply

Loans to start a business

How our site works

We want to show you short term business loans from as many lenders as possible, so you have plenty of choice. Not all lenders want to be included on comparison websites, so we can’t promise to show you loans from every single one. We’ve looked at how much it would cost to borrow £10,000 over 6 months, including fees, and we’ve ranked the lenders from the cheapest to the most expensive. You can find out more about how we work here.

Advantages of short-term business loans

The main advantage of opting for a short-term business loan is that you know your business will only have to make repayments for a limited period of time. You will also usually pay less interest overall than if you opted to repay what you owe over a much longer term, such as five years.

Disadvantages of a short-term business loans

Choosing to take out a short-term business loan may mean that you will be able to pay off what you owe quickly, but bear in mind that your repayments will be much higher than if you opted to repay your long over a medium or long-term period. Interest rates can be very high on short-term borrowing, so it’s worth comparing lots of different loans to ensure you find the right deal for your business’s needs.

What else you need to know

Difficult economic conditions in recent years have made it harder for businesses to borrow money. To apply for a business loan, your business may be required to have a minimum monthly turnover, and you may have to show a set number of accounts, usually two or more years.

Remember too that the actual rate of interest you will be charged on a short-term business loan will depend on your business’s individual circumstances, the amount you want to borrow, and over what period you intend to pay off what you owe.

Alternatives to a short-term business loan

If you don’t think your business will be able to pay off any borrowing over a year or less, then you might want to consider a medium or long-term business loan which can be repaid more slowly.

Other options include using a business credit card for any immediate expenses. These can also be a useful way to manage staff spending. You could also speak to the provider of your business bank account about arranging a business overdraft which can provide you access to funds as and when you need them. You can usually arrange an overdraft for a 12 month period, at which point it will have to be renewed.

Businesses can also raise funds though cashflow finance, which allows then to borrow against the value of their





Business Loans, ChoiceOne Bank, loans to start a business.#Loans #to #start #a

We See Possibility.

Behind every business loan is a person. Our people work hard to understand your business so we can offer the best lending product. Whether you’re launching a businesses, or expanding your reach, we’ll help you move with speed.

Schedule a Complimentary Consultation

Brian Bacon

Brian Bacon

VP commercial Loan Officer

Banker for 20 years, outdoor enthusiast, advocate for camping on Silver Lake with family and friends, builder of off road trucks.

Jennifer Bellamy

Sparta

Jennifer Bellamy

VP Commercial Loan Officer

Banker for 15 years, enjoys time with family, and being involved in the community.

Lee Braford

Sparta

Lee Braford

SVP Chief Credit Officer

Banker for 30+ years, Board Member of Sparta Community Foundation, and Michigan outdoors enthusiast.

Troy Butler

Grand Rapids

Troy Butler

VP Commercial Loan Officer

Commercial Banker for 18 years, MSU Fan, entrepreneur, ice cream aficionado, family man.

Jason Parker

Sparta

Jason Parker

VP Commercial Lender

Banker for 19 years, outdoors enthusiast, family man, mountain biker, golfer, enjoys skiing with family, and riding quads with son.

Robert Robbins

Grand Rapids

Robert Robbins

VP Commercial Banking

Banker for 20 years, Detroit Tigers fan, fisher, golfer, and fan of my son’s college baseball team.

Kent Gagnon

Sparta

Kent Gagnon

VP Treasury Management

Banker for 30 years, chef-level cook at home, family man, frequent sports player.

Bonnie Koehn

Sparta

Bonnie Koehn

VP of Client Development

Banker for 14+ years, yard work enthusiast, and baker.

Routing Number # 072408436

Loans to start a business

You have clicked on an external link and are leaving the ChoiceOne.com website. ChoiceOne Bank provides these links as a convenience and isn t responsible for the security or content of any linked page.

Applying is fast and easy. Here s what you ll need to have ready:

  1. Your Social Security Number or Individual Tax Identification Number (ITIN)
  2. A US government-issued photo ID (e.g. Driver s License, Passport, or State)
  3. A credit or debit card to fund your new account
  4. A valid email address

IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW ACCOUNT

To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial Banks to obtain, verify, and record information that identifies each person who opens an account.

When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We must also ask to see your driver’s license or other identifying documents.

Online Applications are available for residents of our service area including Kent, Newaygo, Muskegon, Ottawa, Montcalm, Oceana, Osceola, Ionia, Mecosta, Lake, Allegan, and Barry Counties in Michigan.





Yahoo Finance – Business finance, stock market, quotes, news, how to finance

how to finance a business

High raw material costs weighed on Coal India’s margins. Read More »

Expect Investment Cycle Revival In Second Half, Says Uday Kotak

Modi-Trump Bilateral Meeting Likely On Monday At ASEAN Summit

JSW Steel, Lodha Group Among 20 Entities Eyeing Jaypee’s Noida Projects

China shopping festival smashes record with $25 billion haul

Alibaba, the Chinese e-commerce giant, said on Saturday its Singles Day sales extravaganza hit $25.4 billion, smashing its own record from last year and cementing it as the world s biggest shopping event. Once a celebration for China s lonely hearts, Singles Day has become an annual

Create Your Website – Start Here

Yahoo Search can help you compare hundreds of companies to help you create your own website.

Reliance Communications Posts Q2 Loss Of Rs 2,709 Crore

Reliance Communications posts fourth straight quarterly loss.

APEC leaders agree to address unfair trade practices

Asia-Pacific leaders on Saturday agreed to address unfair trade practices and urgently called for the removal of market distorting subsidies, in contrast to communiques they have issued in the past. A joint statement issued by 21 countries of the Asia-Pacific Economic Cooperation

Recap Plan Will Enable State-Run Banks To Take Necessary Haircuts, Says HDFC’s Mistry

Mistry expects a resolution on most RBI-identified stressed accounts within the next 3-4 quarters.

ONGC Aims To Complete HPCL Acquisition By March

ONGC hopes to complete its merger with HPCL by March next year.

The Inspiration Behind Eataly s Growing Footprint

Eataly s passion for showcasing regional specialties is fueling its expansion across the U.S.

Jeffrey Immelt Says He May Have Overstayed At General Electric

“16 years is on the outer edge of how long somebody should be running a company like GE,” Immelt said.

Boeing sees steady Gulf demand, interest in mid-sized jet

Boeing sought to dispel concerns about a slowdown in the growth of Gulf airlines as the aerospace industry gathered on Saturday for the Dubai Airshow. Speaking on the eve of the showcase event, executives at the U.S. planemaker also played down the impact of growing political tensions in the region.

Congress Says Credit For GST Rate Cuts Goes To Rahul Gandhi

GST Council slashed rates due to pressure from Rahul Gandhi, Congress says.

RInfra s Q2 consolidated net profit at Rs 544 cr

Mumbai, Nov 11 (IANS) Reliance Infrastructure (RInfra) on Saturday reported a consolidated net profit of Rs 544 crore ($83 million) for the second quarter of 2017-18. The company had posted a net profit .

Things to Do with Kids on a Cruise

Give your kids (and yourself) the experience of a lifetime with this advice on what to do and see on a Southern Caribbean cruise.

Supreme Court Bench To Hear Petition Seeking Probe Into Bribery Allegations

PIL seeks probe into allegations that bribes were sought by a retired high court judge.

Larsen Toubro beats estimates with 27 percent jump in Q2 profit

India s top engineering and construction company Larsen Toubro Ltd reported a higher than expected 27 percent rise in second quarter net profit, helped by a one-off gain from the sale of a subsidiary. Consolidated net profit rose to 18.2 billion rupees ($279.31 million) in the three months ended

Here are 10 best Indian cities to do business in

India managed the highest jump by any country when it climbed 30 notches to reach the 100th position in World Bank’s ‘Ease of Doing Business’ index. While World Bank CEO Kristalina Georgieva called the jump rare, Prime Minister Narendra Modi said that it was a ‘historic’ one. States across India have

Trans-Pacific trade deal advances without United States

Countries in the Trans Pacific Partnership (TPP) trade deal have agreed on the core elements to move ahead without the United States, officials said on Saturday, after last-minute resistance from Canada raised new doubts about its survival. Taking the agreement forward is a boost for the principle of





Window Cleaning Coach: How to Start a Window Washing Business, Tips, Advice,

#window cleaning business

#

Hi, my name is Dave and I run my own successful window cleaning business called ShineTime in Birmingham, England.

The reason I’ve created this website is because I found that there was a lack of free information on setting up your own window cleaning business when I first started.

Instead I found there are a lot of opportunist window cleaners on the internet who are selling their knowledge (you can’t blame them really can you).

I realise when you’re setting up your own business funds are tight, so I’ve decided to give my expertise away for free.

The reason for this generosity you might ask? Well window cleaning helped me out of a tight spot: I was working in a dead-end factory for minimum wage and wasn’t too happy about the situation.

I finally decided to start my own window cleaning business, and after a lot of trial and error my business became successful. I want to help other people thinking of starting their own window cleaning company avoid some of the mistakes I made when I first started by doing this informative website.

Let’s get one thing straight, being a window cleaner is a horrible job: in Winter you feel like your hands are going to drop off, if you’re working by yourself it can become very lonely, and sometimes your customers can give you hassle. As you’re the head of the company you’re the one who has to deal with troublesome customers because there’s nobody to pass the blame onto.

It’s not easy either, most people seem to think it’s just a case of buying a bucket, getting a chammy and you’re away. Sadly there’s a lot of competition out there, it’s highly likely you’ll find all the best areas where you live (the posh ones that make you the most money) are taken.

You have to be prepared to work hard to build up your round and be able to discipline yourself because there’s no boss to kick you up the arse when you feel like having an impromptu day off. It’s very easy to slip into the habit of thinking: I can’t be bothered with it today. or I think I’ll knock off early .

It’s good to have the freedom that only comes with being your own boss, but it still doesn’t mean you can spend every other day in bed. Disappointing I know, but that’s life.

I want to make it clear that not everybody is suited to self-employment, some people need a person watching over them to make them work. If this is a description of you then you probably shouldn’t bother wasting anymore of your time on this site. Instead, you may want to consider looking for other cleaning jobs first to get some experience and see if a window cleaning career is really for you.

Despite all the drawbacks however, I believe if you’re desperate, i.e. stuck in a job you absolutely hate, or unemployed and on the dole, then window cleaning could be for you because it’s a realistic way of making a respectable living for a person who has no other options, just don’t expect to be driving around in a Bentley anytime soon.





5 low cost business ideas to start at university: Starting a business

#business ideas for college students

#

5 low cost business ideas to start at university

Some of the world’s most famous entrepreneurs started businesses while at university; Mark Zuckerberg, Bill Gates, Sergey Brin, Larry Page – the list goes on – so what’s stopping you from starting up whilst studying?

According to recent research from Santander. over 80,000 UK university students currently run businesses while studying and collectively generate turnover of over £44m. Impressive to say the least. What’s more, over a quarter of this number plan to turn their businesses into a full-time career upon graduation.

Action point: Need a loan to start a business of your own? See how we can help here and here

Dubbed “student start-ups”, budding young entrepreneurs are maximising on being within the university environment to launch a start-up and fund their education, pursue interests, and gain “invaluable work experience as a result of their entrepreneurial ventures”.

A report from Direct Line for Business also emphasised the fact that entrepreneurialism is alive and kicking in UK universities. It found that more students than ever before are now starting businesses, with popular undergraduate start-ups ranging from creative businesses like clothing design, to hospitality and events promotion and tech-focused firms such as software development.

And it would seem that there has never been a better time to start a business while at university, if the growing number of initiatives to encourage student entrepreneurs are anything to go by.

Earlier this year, Europe’s largest student start-up event opened in Liverpool hosted by the National Association of College University Entrepreneurs (NACUE), Mercia Fund Management launched a tax efficient fund for university spin-outs, and a number of universities have been actively doing their bit to promote enterprise. For instance the University of Southampton recently held a student hackathon to find great software concepts.

With 2015 a golden age for student entrepreneurs, we’ve compiled a guide to five of the top low-cost businesses to start at university, including case study examples from a number of high-profile university entrepreneurs that have scaled their ideas into successful businesses.

To help you get your university venture off the ground, you’ll also find a handy summary of the funding and support that is available to student and young entrepreneurs in the UK.

Click the buttons above or below to find out more about the best low cost business ideas to start while at university…

Comments

Useful business start up tools

Forum post of the week

More business ideas.

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

#start online business

#

How to start a successful online business

PASSION IS NOT ENOUGH.

How do I get started?

Repeat after me:
PASSION IS NOT ENOUGH

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

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

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

Step 2

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

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

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

But what about your customers?

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

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

It’s a huge psychological shift.

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

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

Which online business ideas work best?

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

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

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

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

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

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

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

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

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

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

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





How to Qualify for a Small-Business Loan in 5 Steps #start #a

#sba loan requirements

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Credit Cards

Banking

Investing

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Loans

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Credit Cards

Banking

Investing

Mortgages

Loans

Insurance

How to Qualify for a Small-Business Loan in 5 Steps

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 .

Qualifying for a small-business loan is easier when you’re prepared. Below is a to-do list that will help you qualify for the cash you need to grow your business.

Whether you end up applying for an SBA loan through a bank or opt for an online small-business loan, you should be familiar with the requirements of each lender. Knowing whether you meet their criteria before you apply will save you time and frustration.

How to quality for a small-business loan

1. Improve personal and business credit scores

Your personal credit score ranges from 300 to 850 (the higher, the better), and evaluates your ability to repay debts. The score is typically weighed more heavily by small-business lenders if your business is new and lacks credit history. It’s based mainly on three factors: your payment history (35% of your score), the amounts owed on credit cards and other debt (30%) and how long you’ve had credit (15%).

Paying your bills on time is, of course, crucial to improving your score. But even if you pay your bills like clockwork, credit report errors could be damaging your score one in four consumers has damaging credit report errors. However, four out of five consumers who filed a dispute got their credit report modified, according to a study by the Federal Trade Commission. You can get a copy of your credit reports for free once a year at AnnualCreditReport.com and dispute any inaccuracies you find through each of the credit bureaus’ websites (Experian, Equifax and TransUnion).

Businesses that are more established and applying for bank loans can check out their business credit scores (which generally range from 0 to 100) at the three business credit bureaus: Experian, Equifax and Dun Bradstreet. Check out these five steps to building business credit, and if you see any mistakes on your reports, contact the bureaus.

More than likely, you’ll need an excellent business credit score as well as good personal credit to qualify for an SBA loan or traditional loan from a bank, although this will depend on the individual lender and factors such as your business revenue and cash flow. In general, online lenders look at personal credit scores but are a bit more lenient when it comes to credit score requirements, as they place more emphasis on your business’s cash flow and track record.

2. Know the lender’s minimum qualifications

There’s no way around it: If you don’t meet a lender’s minimum qualifications, applying is a waste of time.

Borrowers typically need to meet minimum criteria related to credit scores, annual revenue and years in business. And lenders generally frown upon recent bankruptcies and other past delinquencies.

To qualify for SBA loans, borrowers also must be current on all government loans and can’t have any past defaults. So if you’re late on a federal student loan or a government-backed mortgage, you’ll be disqualified. You also can’t be on the SBA’s ineligible businesses list. which includes life insurance companies and financial businesses such as banks.

Qualifying for online lenders can be easier. While these lenders typically underwrite loans based on traditional factors such as credit scores, annual revenue and cash flow, the loans carry less stringent requirements than banks.

3. Gather financial and legal documents

Banks and other traditional lenders typically ask for a wide range of financial and legal documents during the application process. They include:

  • Personal and business income tax returns
  • Balance sheet and income statement
  • Personal and business bank statements
  • A photo of your driver’s license
  • Commercial leases
  • Business licenses
  • Articles of incorporation
  • A resume
  • Financial projections if you have a limited operating history

These requirements can make getting a bank loan time consuming. That may not be an issue if you’re in the market for a long-term business loan to finance a major investment.

However, if you need money faster, online lenders may be a better fit, as they can provide a streamlined online application process with fewer documentation requirements and faster underwriting. But they may come with higher borrowing costs. If you have good credit and business finances, however, some lenders may provide rates comparable to those of bank loans.

4. Develop a strong business plan

Lenders will want to know how you plan to use the money and will want to see that you have a strong ability to repay. They may require a solid business plan that details the purpose of the loan and how you expect it to increase profits.

Your business plan should include current and projected financials, and clearly demonstrate that your business will have enough cash flow to cover ongoing business expenses and the new loan payments. This can give the lender more confidence in your business, increasing your chances at loan approval. Your p lan should include :

  • Company description
  • Product and/or service description
  • Management team
  • Industry analysis
  • Facilities and operations plan
  • Promotional, marketing and sales strategy
  • SWOT analysis (strengths, weaknesses, opportunities, threats)

5. Provide collateral

To qualify for a small-business loan, you may have to provide collateral to back the loan. This refers to an asset, such as equipment, real estate or inventory, that can be seized and sold by the lender if you can’t make your payments. It’s basically a way lenders can make back their money if your business fails.

SBA loans require “adequate” collateral for security on all loans, plus a personal guarantee from every owner of 20% or more of the business. A personal guarantee puts your credit score and your personal assets on the hook.

Some online lenders do not require collateral but may want a personal guarantee. Others may also take a blanket lien on your business assets essentially another form of collateral giving the lender the right to take business assets (real estate, inventory, equipment) to recoup an unpaid loan. Each individual lender has its own requirements, so don’t be afraid to ask questions if you are unsure.

If you don’t have collateral to get a loan or don’t want to take on the risk of losing personal or business assets, unsecured business loans may be a better option.

Find and compare small-business loans

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

This post was updated. The post was originally published on Dec. 1, 2015.

Image via iStock.

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Idea to Business: Developing Feasible Business Ideas #business #ideas #for #kids

#ideas for business

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Idea to Business: Developing Feasible Business Ideas

Our very own Bret Carpenter just finished up providing a free workshop to the Flagstaff business community on how to take an idea and make it a business.

During the workshop today, Bret took us on a journey through the exploration of where ideas come from and how to determine if the idea is good enough to make into a business. The workshop was interactive with lots of discussion, questions and even some laughter.

Some of my favorite quotes from the day:

Ideas are worthless without execution.

Get comfortable being uncomfortable.

Little ideas add up to big ones.

Create a point of view that is based on user needs and insights.

Design thinking is a human approach to innovation

Here is a link to Bret s presentation: Idea 2 Business: Developing Feasible Business Ideas

Resources

How does the metaphorical lightbulb go off? Is it a flash of genius? The power of crowds? These heady talks explore the nature of ideas themselves: Where they come from, how they evolve, and how each of us can nurture them.

Understand your numbers.

Here are some photos from the event.






The secrets to successful carwash ownership #business #insurance #quotes

#car wash business

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How to start a carwash: The secrets to successful carwash ownership

When it comes to owning a carwash, there are many facets involved. Equipment, water, chemicals, marketing, advertising, customer-retention, signage, pricing, and so on. And, while there isn’t an exact blueprint to follow, there are certain ways to enhance success, and certain ways to fail. Steve Gaudreau, president of BRINK RESULTS, and a 25-year carwash veteran is the author of Creating Exceptional Managers and So You Want to Own a Carwash. the latter of which goes into great detail about how to be a successful carwash owner. The following are excerpts from his book.

Know your strengths

If you’re going to own and operate a carwash, what activities involved with that do you enjoy?

Form example, carwashes have a lot of equipment that has to be maintained every day. If you love working with your hands on equipment, a carwash is a fabulous business to own.

If changing a light bulb is a challenge and you don’t enjoy getting your hands dirty working with equipment, you’re not going to enjoy very much being an owner/operator of a carwash. If you are not running the day-to-day business because you are more of a hands-off investor, then you can hire someone who does know how to take care of this end of the business.

The point is this: Know what you like to do, know what is needed to operate a carwash business, and figure out who is going to do what before you get into the business. By doing this, you will have a better chance of personal satisfaction, as well as financial success.

Look to others

If you are new to the business you need to find resources to help you and you need to listen to their advice. When selecting that assistance, you do what you would do in any business: Check references, visit successful carwash sites to see what success looks like, and ask operators their opinion of whomever you are thinking of working with. And, then, once you have selected your carwash resource(s), follow their counsel for at least your first carwash. The reality is that everyone needs more knowledge of the carwash business than they think that they do when they first start.

Check your surroundings

Determine the frequency of consumer visits for the type of carwash that is planned. Take into account the particular aspects of your business model for the type of carwash planned that could affect frequency, such as price, range of services offered, etc.

Identify on a map all of the competition within a 5-mile radius and determine what their trade area is, what your natural trade area is, and understand where there is an overlay.

Choose the right manufacturers, suppliers

Selecting a good manufacturer, being sure that the equipment is being installed correctly, performing the preventative maintenance properly, and obtaining assistance for repair and service are all major challenges to your carwash business success.

The key issues regarding chemical usage are understanding the connection between equipment and chemicals, defining the desired quality for your wash, deciding how much equipment is needed in conjunction with the chemicals to produce the desired aresult, controlling the cost of the chemicals, and ensuring a high level of service by the chemical distributor, as well as taking advantage of wheatever marketing assistance is provided by them.

What s your sign?

All of the variables that affect signage can be found in a careful anaysis of the local sign code. These codes are being revised periodically, and it is necessary to ask whether there are any intended revisions being discussed when you visit with the officials that control this area of code enforcement. Sign codes can also be slightly different, depending upon how the real estate is zoned. Therefore, there are genearl requirements, as well as specific requirements to be aware of.

The grand opening

A successfully executed grand opening for a new carwash or a recently refurbished one is ma marketing activity that is considered by most retail businesses to be essential to their initial success. Linking the use of several media to a community fundraiser gives people strong motivation to turn out on the big day.

A grand opening should not take place for at least 30 days after a carwash opens. A soft opening is always recommended. The grand opening should occur as soon after 30 days as an operator feels comfortable with the operation of their wash.

Related

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How to Find the Right SBA Loan for Your Small Business #business

#small business administration loans

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How to Find the Right SBA Loan for Your Small Business

Small businesses are the backbone of the U.S. economy: According to data from the 2010 U.S. Census, there are 27.9 million small businesses registered in the United States, employing 120 million people almost half of the nation s workforce.

Part of what the Small Business Administration (SBA) does is help America s small businesses secure the funding they need to operate and grow. As a federal government agency, the SBA does not lend small businesses money directly. Instead, it sets guidelines for loans that are made by its partners, which include banks, credit unions, community development organizations and microlending institutions. The SBA guarantees a portion of these loans granted by these institutions will be repaid, eliminating some of the risk for lenders.

Kale Gaston, head of the SBA Lending Group for TD Bank in Greenville, S.C. said SBA loans do a great job of helping lenders say yes to borrowers. He also noted that SBA programs provide better access to capital and credit enhancement for small business owners. For example, since the SBA guaranty lowers the risk in case of a loan default, lenders are able to provide funding when the down payment available is too low or the business s cash flow is not high enough for traditional options.

SBA lenders can provide longer terms as well. Instead of five or 10 years for a real estate purchase with a balloon payment at the end, the lender can give terms for 25 years, eliminating the balloon (i.e. final payment) or need to refinance every few years, Gaston said. For shorter-term assets, like equipment, terms could go to 10 years instead of the usual three to five years.

SBA loan programs

The SBA s loan programs are designed specifically for small business owners who don t have access to other reasonably termed financing. There are four main types of loan programs:

7(a) loan program: This is the SBA s primary program to help startups and existing small businesses obtain financing. 7(a) loans are the most basic and most commonly used type of loan, as well as the most flexible. The money can be used for a variety of general business purposes, including working capital, machinery and equipment, furniture and fixtures, purchasing or renovating land and buildings, leasehold improvements and debt refinancing. Loan maturity is up to 10 years for working capital and generally up to 25 years for fixed assets. Borrowers can apply through a participating lender institution.

CDC/504 loan program: This program provides businesses with long-term, fixed-rate financing for major assets, such as land and buildings. The loans are typically structured with the SBA providing 40 percent of the total project costs, a participating lender covering up to 50 percent and the borrower putting up the remaining 10 percent. Funds from a 504 loan can be used to purchase existing buildings, land or machinery, and to construct or renovate facilities. These loans cannot be used for working capital or inventory. Under the 504 program, a business qualifies if it has a tangible net worth of less than $15 million and an average net income of $5 million or less after federal income taxes for the two years before application. The maximum amount of a 504 loan is $5 million.

Microloan program: This program offers very small loans to startups, or newly established or growing small businesses. The loans can be used for working capital or the purchase of inventory, supplies, furniture, fixtures, machinery or equipment. The SBA makes funds available to specially designated intermediary lenders, which are nonprofit organizations with experience in lending and technical assistance. Those intermediaries then make loans of up to $50,000, with the average loan being about $13,000. The loan cannot be used to pay existing debts or to purchase real estate.

Disaster loans: The SBA offers this option to businesses that have been affected by a declared disaster. These low-interest loans can be used to repair or replace damaged real estate, personal property, machinery, equipment, inventory and business assets.

Further details on each type of loan program can be found on the SBA s website .

What you ll need to apply

When applying for an SBA loan, you ll need to fill out forms and documents for the specific loan you re trying to get. The SBA also encourages borrowers to gather some basic information that all lenders will ask for, regardless of the loan type. The following items are usually required:

  • Personal background and financial statements
  • Business financial statements
  • Profit-and-loss statement (three years)
  • Current within the last six months
  • List of debts
  • Projected financial statements
  • Business certificate/license
  • Income tax returns
  • R sum s for key team members
  • Business overview and history
  • Business lease

The SBA also advises small businesses applying for a loan to be prepared to answer several questions:

  • Why are you applying for this loan?
  • How will the loan proceeds be used?
  • What assets need to be purchased, and who are your suppliers?
  • What other business debt do you have, and who are your creditors?
  • Who are the members of your management team?

Why your business plan matters

Whether you re a new startup or an established company, the key to a successful application is a well-written business plan .

The business plan not only is the road map that will guide the business from planning to startup to (hopefully) success, but also will show any potential lender that the potential business owner does have a clear view and understanding of the business, how to run it and, most importantly, how the loan will be repaid, David Hall, a public affairs specialist with the SBA in Washington, D.C. said in an email interview with Business News Daily.

Gaston agreed, noting that lenders want to know how knowledgeable you are about your business and the competitive market.

The concept may be great, but what the lender is looking for is that the individual is driven, capable and determined, Gaston said. You really need to understand what you are doing every step of the way and be able to convey that to the lender during the application process.

Hall also recommended that business owners take full advantage of the business planning resources offered by the SBA and its partners, such as SCORE. SBDCs (Small Business Development Centers) and WBCs (Women Business Centers).

Finding a lender

While Gaston acknowledged that applying for an SBA loan is a process, she said working with a lender that has experience can make that process a lot easier. To find experienced SBA lenders in your area, he suggested talking to folks locally in the market and looking for a lender that is part of the SBA s Preferred Lender program. This program gives thousands of lenders per year delegated authority to approve loans based on certain criteria, shortening the time period between application and approval.

You can find SBA lenders by going online at sba.gov. contacting local accountants and attorneys, and looking for lenders with a large local presence. SBDCs also provide document support and lender referrals.

The SBA program drives a tremendous amount of value in the economy, lending approximately $30 billion to small businesses annually, Gaston said. It takes businesses to the next level, is appropriately structured and enables them to be successful.

Additional reporting by Business News Daily contributor Elizabeth Palermo.

With an Associate s Degree in Business Management and nearly twenty years in senior management positions, Marci brings a real life perspective to her articles about business and leadership. She began freelancing in 2012 and became a contributing writer for Business News Daily in 2015.

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What is the SBA Microloan Program?

  • Writing a Business Plan: Tips from the SBA





  • How to Write a Business Profile: 10 Steps (with Pictures) #investment #ideas

    #business profile

    #

    How to Write a Business Profile

    A business profile is like a résumé for your company. It lists basic company details and gives you a chance to highlight your strengths. Just like a résumé, you should write each business profile with a purpose in mind. Use it as an opportunity to briefly state why potential clients should work with you, but give thorough and precise details.

    Steps Edit

    Part One of Two:
    Getting Down Company Information Edit

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    Talk about your company’s ideas. If you have a mission statement, put it here. Otherwise, write out your company vision, guiding ethos, and a little about your history. Telling who you are and what drives you gives your company a human element. It also gives you a chance to do some subtle advertising early on.

    • This is a place you can afford to be a little vague. Mission statements are legally necessary for some businesses, and may need to be specific. For everyone else, try to state what you do without limiting yourself. You don’t want to scare away potential business that thinks you wouldn’t consider expanding into adjacent industries. But it is easy to overdo vague language.
    • A bad example: “XYZ Semantics is a company driven by the pursuit of its dreams. We want to bring you with us on this journey. Our dedication to solutions and innovation make us the leading marketing consultants west of the Mississippi.”
    • A good example: “XYZ Semantics is seasoned and talented team of marketing consultants. Since 1975 we have helped our clients grow their business and profits. Though our methods are complex, our goal is simple: we want to help you sell your product to more customers.”

    Find out more specific details. Check with your secretarial or human resource staff to find out up-to-date details in several areas. You may not need to use all these, but having them on hand will make it easier when you sit down to craft the profile. Set up a way to streamline this process in the future, as you will want to update this information in your profile regularly.

    • Number of employees
    • Turnover. Low turnover can indicate stability, but either way it’s a good statistic to have on-hand.
    • List of all business activities. What are all the areas you work in?
    • Unique equipment or specialties. If you are the only company that produces, say, a rare machine part, you need to mention that.
    • Certifications
    • Imports/exports
    • Your methodology and/or what software you use.
    • Volume of output you can handle. Prospective clients need to know if you are prepared to meet their needs.
    • Delivery stats. How many units do you ship in a given period?
    • Major accounts or clients. This is a way to show prospective clients whether or not you are used to doing business with companies like theirs. It’s also another chance for subtle advertising.

    Sift through all this information. Since you want to keep the profile short, you can’t include every possible detail. Also, not all of them might be strengths. Pick out what might be relevant to include in your profile in various contexts. Keep the other information on hand for future reference, but put the important stuff in one place for easy access.





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

    #business analyst

    #

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

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

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

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

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

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

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

    Me: See what?

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

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

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

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

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

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

    What are Transferable Business Analyst Skills?

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

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

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

    But What Business Analyst Qualifications Are Transferable?

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

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

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

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

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

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

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

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

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

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

    Find Your Path Into a Business Analyst Career

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

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

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

    Stay informed about new articles and course offerings.