Federal Service Desk, types of business.#Types #of #business

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Hours of Operation

Monday – Friday 8 a.m. to 8 p.m. ET

Types of business

Types of business

Federal Service Desk

The purpose of the Federal Service Desk (FSD.gov) is to help visitors get the information and assistance they need for the systems (websites) that the FSD supports. Note: There are NO fees associated with any FSD supported systems.

Types of business

Types of business

Hours of Operation

Monday – Friday 8 a.m. to 8 p.m. ET

News and Announcements

Friday November 10th is a Federal Holiday and the Federal Service Desk is closed. You may still use “Submit A Question” and we will respond on Monday November 13th.

GSA IAE recently confirmed an issue with the one of the FPDS V1.5 web service interfaces to eSRS. If you are receiving an error related to FPDS while filing an eSRS Individual Subcontracting Report (ISR), please contact the Federal Service Desk (www.fsd.gov) and create a ticket with the contract number in question. Your issue will be documented and added to a daily list of records eSRS will manually pull into its database from FPDS. The interface issue will be resolved in eSRS by mid-November. We are also posting an announcement to government users alerting them of this issue.

GSA IAE recently confirmed an issue with the one of the FPDS V1.5 web service interfaces (IDVSummary) to eSRS. This interface pulls Indefinite Delivery Vehicle (IDV) contract data from FPDS into eSRS. A small number of vendors are having difficulty pulling an IDV record into their eSRS Individual Subcontracting Report (ISR). Vendors should report the issue and provide the contract number to the Federal Service Desk (www.fsd.gov). Daily eSRS is pulling a list of those records from the service desk and loading the data manually from FPDS. The interface issue will be resolved in eSRS by mid-November.

Product Services Codes (PSC) may be added, revised, or deleted to increase the accuracy of reporting. For changes to the PSCs to be considered for the upcoming fiscal year, users must submit their requests from October 1st to October 31st using the web form Product Service Codes (PSC) Change Request .

Go to the FAR Data Collection Pilot and select the HFC button to report hydrofluorocarbon information for contracts which contain FAR 52.223-11 Ozone-Depleting Substances and High Global Warming Potential Hydrofluorocarbons (Jun 2016) in accordance with FAR 52.223-11(c)(2).

Contractors with covered service contracts may now submit their FY17 service contract reports in SAM. Consult the SAM Quick Start Guide to Service Contract Reporting or Section 10 Service Contract Report of the SAM Non-Federal User Guide to learn more.

The U.S. Small Business Administration (SBA) updated its Table of Small Business Size Standards adopting the Office of Management and Budget s 2017 revision of the North American Industry Classification System (NAICS) effective October 1, 2017. The 2017 NAICS Codes and their corresponding size standards are now effective for procurement purposes. The updated table of size standards is available on SBA s website at www.sba.gov/size.

FPDS Version 1.5 ( https://www.fpds.gov ) deployed to production on Sunday, October 1, 2017. Version 1.4 was sunset as of September 30, 2017. Review release notes for a high-level description of the V1.5 changes. Review V.15 functional documentation like the Data Dictionary and V1.5 Quick Start Guide at the FPDS Worksite .

The Disaster Response Registry on SAM.gov contains those contractors willing to provide debris removal, distribution of supplies, reconstruction, and other disaster or emergency relief activities inside the United States and its outlying areas. Download a one-page Quick User Guide to Searching the Disaster Response Registry for an overview.

There is NO FEE to register, or maintain your registration, in the System for Award Management ( SAM.gov ). If you receive an email from a company claiming to represent SAM.gov , be cautious. If you get an email from a company offering to help you register in SAM.gov asking you to contact them and pay them money, be cautious. These messages are not from the U.S. Government. It is FREE to register and to maintain your registration in SAM.gov .

If you receive unsolicited contact of any kind from someone claiming to be an agent of the Catalog of Federal Domestic Assistance (CFDA), read this possible fraud notification. These unsolicited messages are not from the U.S. Government. CFDA will not contact you, ask you for money, or ask you for personal information.

Read a summary of the FY2016 Procurement Management Review (PMP) for the System for Award Management (SAM) and the Federal Funding Accountability and Transparency Act (FFATA) Subaward Reporting System (FSRS).

Read the Federal Procurement Data Quality Summary of agency data in the Federal Procurement Data System (FPDS) for Fiscal Year 2016. The regulatory and policy requirement for verifying the accuracy and completeness of data meets the requirements for agencies certifying procurement data for the DATA Act.

Users and Interfacing Systems must reset their passwords as required every 90 days or the account will be disabled IAW GSA IT Security Policy, (CIO P 2100.1). Registered users will receive an email notification to remind them of this requirement. If your account has been disabled, contact the Federal Service Desk at 866-606-8220 (Monday – Friday 8 a.m. to 8 p.m. ET).

NOTE: If your account was re-enabled after contacting the FSD, you must reset your password before midnight on the day of the call to prevent it from being disabled once again.





Types of business, types of business.#Types #of #business

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E-mail Disclaimer: Under Florida law, e-mail addresses are public records. If you do not want your e-mail address released in response to a public records request, do not send electronic mail to this entity. Instead, contact this office by phone or in writing.





Types of business, types of business.#Types #of #business

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.





HumanMetrics – online relationships, personality and entrepreneur tests, personal solution center, types

Personality Test – Jung, Briggs Myers Types

Types of business

Take free, tried-and-true personality test to identify your Jung, Briggs Myers personality type and obtain its description. Discover career choices and schools suitable for your type. Read more.

Carl Jung characterized people using three criteria:

  • Extraversion – Introversion
  • Sensing – Intuition
  • Thinking – Feeling

Isabel Briggs Myers added a fourth criterion:

The first letters of the different combinations of the four criteria denote personality type formula. For example:

ISTJ – I ntrovert S ensing T hinking J udging

Upon completing the Jung Typology Test you will obtain your type formula, the strength of each of the preferences and the description of your type. It may help you to identify your lifestyle both in general, and with respect to specific areas of activity. You will also obtain a list of the most suitable career choices based on your personality, along with some educational institutions where you can receive a relevant degree or training. « less

Jung Marriage Test

Types of business

Are you compatible with your soul mate? Looking for a perfect dating partner? Will you have a good and stable relationship? The answer is in the Jung Marriage Test . Read more .

A good and stable relationship between partners is conducive to a happy marriage, and we often don’t know what the underlying cause of our conflicts is. The ability to assess the likelihood of a healthy long term relationship is one of the main challenges in dating and matchmaking. Jung Marriage Test™ addresses this challenge. The test identifies potentially successful and potentially problematic matches by comparing and analysing personality types of the partners. Personality type is defined by the three criteria introduced by Carl Jung:

  • Extraversion – Introversion
  • Sensing – Intuition
  • Thinking – Feeling

And the fourth criterion added by Isabel Briggs Myers *:

The different combinations of these four criteria define sixteen possible personality types. The type formula is denoted by the first letters of the combination, e.g.

ENFP – Extravert iNtuitive Feeling Perceiving

Once you know the type formula and strengths of the preferences of both partners (or prospective partners), it is possible to calculate the index of compatibility (MatchIndex) between the partners. The MatchIndex represents potential for a successful and mutually satisfying long term relationship.

A high MatchIndex ensures a good and stable long-term relationship. If the partners’ MatchIndex is low, then in the vast majority of cases the relationship will be subject to conflict.

Upon completing the test, you will get a MatchIndex for your couple as well as tips on how to maintain a healthy and stable relationship and avoid “bumps”.« less

Entrepreneur Profiler

Types of business

Starting up or running a small business? Determine the kinds of businesses and franchises that are most favorable for you with the Small Business Entrepreneur Profiler Read more.

One of the most important factors that determine the success of a small business is the right choice of line of business from personality fit standpoint, i.e. the extent to which it corresponds with your personality’s “business type”. We distinguish several basic personality business types, such as business leader, freelancer, analyst etc.

The knowledge of your personality’s business type is crucial. If the nature of the business does not match up with your personality’s business type, you run the risk of losing your business, together with all the money and effort invested, never mind all the frustration and loss of self-confidence incurred. At the end of the test, you will obtain:

  • your personality’s business type and its description including strong and weak points
  • what kind of business partner, in terms of his or her personality’s business type, you can benefit from partnering with
  • a list of the most favourable occupations you are most likely to succeed as a small business, alone or in a partnership
  • some examples of franchises that match up your personality’s business profile

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Organizations and Business Users

Types of business

Apply advanced Jung’s, Briggs Myers’ typology for pre-employment assessment, team building, personal and professional development of employees and more. Visit HRPersonality.com

Risk Attitudes Profiler

Types of business

Why does trouble stick to you? Can you control your fortune? How can you leverage the knowledge of your “risk type”? You’ll find the answers in the Risk Attitudes Profile . Read more .

Some people want stability, order and safety in their life. Others have an unconscious drive for a dynamic life, keen excitement, and risk-taking. The reason for many life troubles and lost fortunes is the huge gap between a person’s inherent attitudes toward risk and his or her actual lifestyle, occupation, objectives and how he/she realizes those objectives.

Knowing your own “risk profile” and risk attitude index is crucial because inconsistencies between your natural risk attitudes and your life lead to stress and emotional discomfort, negatively affect your career and business, your private life, and your confidence in your abilities.

At the end of the test, you will obtain your risk attitude index, the description of your risk type, its strong and weak points, ways of personal growth and strategies for success. « less

Career Development Assessment

Types of business

Leverage your personality traits for your success in the workplace, in business, or in a team setting. Complete career development assessment now to obtain your personal Career Development profile

Visionary Test

Types of business

Are you a person with a clear, distinct vision of the future? Can you easily and realistically foresee how things are going to develop? Discover how much of a visionary you are with the Visionary Test

Assertiveness Test

Types of business

Do you actively struggle for your rights and defend your views and opinions, or do you tend to give up defending your rights and comply with the rules imposed on you? Discover how assertive you are and learn how to assert yourself with the Assertiveness Test.

Morals Test

Types of business

Do you adhere to high moral standards all the time or do you change your moral standards based on circumstances? Discover how moral you are with the Morals Test.

Role Model Profiler

Types of business

We intentionally, or unconsciously, try to follow the behaviors of our role models, regardless of how our own traits match up with theirs. It helps to have a role model whose traits are similar to our own. Use the Role Model Profiler to find a role model that shares your personality traits.

Political Performance Indicator

Types of business

Don’t know whom to vote for in the election? Do you want a more objective assessment of presidential candidates Donald Trump and Hillary Clinton? The Political Performance Indicator will help you.

Click Here to get all Humanmetrics tests (except Career Development Assessment ) at the discounted price.





Looking for Stable Business Ideas? Here Are 12 Types of Companies With

#cash flow business

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Looking for Stable Business Ideas? Here Are 12 Types of Companies With Healthy Cash Flow.

Data Featured Lists Editor

November 24, 2014

Land subdivision and funeral businesses may not be the sexiest small-business ideas when compared to, let s say, a web startup or a local coffee shop. But private companies in these fields tend to have the healthiest cash flow, according to new data from Sageworks. a Raleigh, N.C.-based financial data company.

For entrepreneurs seeking new ventures. businesses with a track record of stability and solvency may be a good place to start. Sageworks used highest average current ratios to generate a ranking of 12 business types with healthy cash flow for the year ending Aug. 31, 2014. [See list below.]

Cash flow is a leading indicator of financial strength because if a company has sufficient cash on hand, it will likely meet its short-term obligations — like accounts receivables and employee salaries — on time.

Sageworks analyst Jenna Weaver says the businesses listed have the ability to pay their bills and they tend to, on average, have positive cash flow. She adds that while these businesses aren t necessarily fun or flashy, understanding why certain industries or business models are more inclined toward solvency than others is useful for any entrepreneur.

Following land subdivision and death-care services, this year s ranking also includes grocery stores, real-estate businesses, clothing stores, liquor stores, gas stations, dry cleaning and laundry services, specialty-food stores, employment services, health and personal care stores, and investigation and security services.

Land-subdivision companies divide land into plots to make selling the property easier. Weaver explains that its top ranking may reflect the strong real estate/construction market recovery since 2009.

The rest of the results show themes: half of the list represented the retail sector. While giants like Walmart are known to operate with a low current ratio because of their ability to turn inventory quickly into cash, small private retailers may have difficulty predicting consumer behavior and may therefore stockpile inventory to meet any unexpected consumer demand. Weaver explains that the ability for these smaller establishments to then turn these inventory levels into receivables, and receivables into cash plays a big role. Also, she says a third of the industries on the list are service-related businesses, which usually have lower or no inventory needs.

While every industry operates on different business cycles and models, entrepreneurs brainstorming on stable business ideas should always keep solvency in mind.

Often, when businesses fail, they fail because of their inability to manage these ratios and generate positive cash flow, Weaver says.

It s important to note that a current ratio that is too high is not always ideal. A company wants to keep enough cash or liquid assets available to be able to meet its short term debts, but it doesn t want to sit on too much cash or inventory, so that its assets are still being productive for the business.





Two Types of Investments in a Small Business #stock #market #prices

#business investment

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The Two Types of Investments You Can Make In a Small Business

Equity and Debt Are The Choices on the Small Business Investment Menu

When you make a small business investment, you have two choices: Do you take equity (an ownership stake) or debt (lend money in exchange for interest income and future repayment)? Both have their own advantages and disadvantages. Betsie Van Der Meer/Taxi/Getty Images

Updated August 22, 2016

Investing in a small business has always been, is currently, and most likely always will be one of the most popular ways individuals and families begin the journey to financial independence ; a way to create, nurture, and grow an asset that, when intelligently run under the right conditions, throws off surplus cash to provide not only a good standard of living, but to fund other investments. Still, it isn t uncommon, at least in nations with an entrepreneurial history such as the United States, for a small business owner to have never owned a publicly traded share of stock or a mutual fund. opting, instead, to put everything into their own restaurant, dry cleaning business, or sporting goods store.

Frequently, this small business grows to represent the most important financial resource the family owns, other than their primary residence.

In today s economic and political climate, these types of small business investments are often structured as either a limited liability company or a limited partnership. with the former being the most popular due to the fact it combines many of the best attributes of corporations and partnerships. In years past, sole proprietorships or general partnerships were more popular, which provide no protection for the owners personal assets outside of the company.

Whether you are considering investing in a small business by founding one from scratch or buying into an existing company, there are typically only two types of positions you can take: 1.) Equity, or 2.) Debt. Though there may be countless variations, all investments come back to those two foundations.

Equity Investments in Small Businesses

When you make an equity investment in a small business. you are buying an ownership stake. Equity investors provide capital, almost always in the form of cash, in exchange for a percentage of the profits and losses. The business can use this cash for a variety of things, including funding capital expenditures to expand, reducing debt, buying out other owners, building liquidity, or hiring new employees.

In some cases, the percentage of the business the investor receives is proportional to the total capital he or she provides. For example, if you kick in $100,000 in cash and other investors kick in $900,000, totaling $1,000,000, you might expect 10% of any profits or losses because you provided 1/10th of the total money. In other cases, especially when dealing with an established business or one put together by a key manager, this would not be the case. Consider the investment partnerships Warren Buffett ran in his 20 s and 30 s. He had limited partners contribute nearly all of the capital, but profits were split 75% to limited partners, in proportion to their overall share of the capital, and 25% to him as the general partner, despite having put up very little of his own money. The limited partners were fine with this arrangement because Buffett was providing expertise.

An equity investment in a small business can result in the biggest gains, as well as the most risk. If expenses run higher than sales, the losses get assigned to you.

A bad quarter, or year, and you might see the company fail or even go bankrupt. However, if things go well, your returns can be enormous. Virtually all of the research on millionaires in the United States shows that the single biggest classification of millionaires are self-made business owners. If you want to rank among the top 1% of wealth. owning a profitable business in a niche market that churns out dividends each year is your best chance, statistically.

Debt Investments in Small Businesses

When you make a debt investment in a small business, you loan it money in exchange for the promise of interest income and eventual repayment of the principal. Debt capital is most often provided either in the form of direct loans with regular amortization or the purchase of bonds issued by the business. which provide semi-annual interest payments mailed to the bondholder.

The biggest advantage of debt is that it has a privileged place in the capitalization structure. That means if the company goes bust, the debt has priority over the stockholders (the equity investors). Generally speaking, the highest level of debt is a first mortgage secured bond that has a lien on a specific piece of valuable property or an asset, such as a brand name. For example, if you loan money to an ice cream shop and are given a lien on the real estate and building, you can foreclose upon it in the event the company implodes. It may take time, effort, and money, but you should be able to recover whatever net proceeds you can get from the sale of the underlying property that you confiscate. The lowest level of debt is known as a debenture, which is a debt not secured by any specific asset but, rather, but the company s good name and credit.

Which Is Better: An Equity Investment or a Debt Investment?

There is no simple answer to this question. If you had been an early investor in McDonald s and bought equity, you d be rich. If you had bought bonds, making a debt investment, you would have earned a decent, but by no means spectacular, return on your money. On the other hand, if you buy into a business that fails, your best chance to escape unscathed is to own the debt, not the equity.

All of this is complicated by an observation that famed value investor Benjamin Graham made in his seminal work, Security Analysis. Namely, that equity in a business that is debt-free cannot pose any greater risk than a debt investment in the same firm because, in both cases, the person would be first in line in the capitalization structure.

The Preferred Equity Debt Hybrid

Sometimes, small business investments straddle the ground between equity investments and debt investments, modeling preferred stock. Far from offering the best of both worlds, preferred stock seems to combine the worst features of both equity and debt; namely, the limited upside potential of debt, with the lower capitalization rank of equity. There are always exceptions to the rule.





Types of Businesses and Forms of Business Organizations #find #business

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A business is an organization that uses economic resources or inputs to provide goods or services to customers in exchange for money or other goods and services.

Business organizations come in different types and forms.

3 Types of Business

There are three major types of businesses:

1. Service Business

A service type of business provides intangible products (products with no physical form). Service type firms offer professional skills, expertise, advice, and other similar products.

Examples of service businesses are: schools, repair shops, hair salons, banks, accounting firms, and law firms.

2. Merchandising Business

This type of business buys products at wholesale price and sells the same at retail price. They are known as buy and sell businesses. They make profit by selling the products at prices higher than their purchase costs.

A merchandising business sells a product without changing its form. Examples are: grocery stores, convenience stores, distributors, and other resellers.

3. Manufacturing Business

Unlike a merchandising business, a manufacturing business buys products with the intention of using them as materials in making a new product. Thus, there is a transformation of the products purchased.

A manufacturing business combines raw materials, labor, and factory overhead in its production process. The manufactured goods will then be sold to customers.

Hybrid Business

Hybrid businesses are companies that may be classified in more than one type of business. A restaurant, for example, combines ingredients in making a fine meal (manufacturing), sells a cold bottle of wine (merchandising), and fills customer orders (service).

Nonetheless, these companies may be classified according to their major business interest. In that case, restaurants are more of the service type they provide dining services .

Forms of Business Organization

These are the basic forms of business ownership:

1. Sole Proprietorship

A sole proprietorship is a business owned by only one person. It is easy to set-up and is the least costly among all forms of ownership.

The owner faces unlimited liability ; meaning, the creditors of the business may go after the personal assets of the owner if the business cannot pay them.

The sole proprietorship form is usually adopted by small business entities.

2. Partnership

A partnership is a business owned by two or more persons who contribute resources into the entity. The partners divide the profits of the business among themselves.

In general partnerships, all partners have unlimited liability. In limited partnerships, creditors cannot go after the personal assets of the limited partners.

3. Corporation

A corporation is a business organization that has a separate legal personality from its owners. Ownership in a stock corporation is represented by shares of stock .

The owners (stockholders) enjoy limited liability but have limited involvement in the company’s operations. The board of directors. an elected group from the stockholders, controls the activities of the corporation.

In addition to those basic forms of business ownership, these are some other types of organizations that are common today:

Limited Liability Company

Limited liability companies (LLCs) in the USA, are hybrid forms of business that have characteristics of both a corporation and a partnership. An LLC is not incorporated; hence, it is not considered a corporation.

Nonetheless, the owners enjoy limited liability like in a corporation. An LLC may elect to be taxed as a sole proprietorship, a partnership, or a corporation.

Cooperative

A cooperative is a business organization owned by a group of individuals and is operated for their mutual benefit. The persons making up the group are called members. Cooperatives may be incorporated or unincorporated.

Some examples of cooperatives are: water and electricity (utility) cooperatives, cooperative banking, credit unions, and housing cooperatives.





Looking for Stable Business Ideas? Here Are 12 Types of Companies With

#cash flow business

#

Looking for Stable Business Ideas? Here Are 12 Types of Companies With Healthy Cash Flow.

Data Featured Lists Editor

November 24, 2014

Land subdivision and funeral businesses may not be the sexiest small-business ideas when compared to, let s say, a web startup or a local coffee shop. But private companies in these fields tend to have the healthiest cash flow, according to new data from Sageworks. a Raleigh, N.C.-based financial data company.

For entrepreneurs seeking new ventures. businesses with a track record of stability and solvency may be a good place to start. Sageworks used highest average current ratios to generate a ranking of 12 business types with healthy cash flow for the year ending Aug. 31, 2014. [See list below.]

Cash flow is a leading indicator of financial strength because if a company has sufficient cash on hand, it will likely meet its short-term obligations — like accounts receivables and employee salaries — on time.

Sageworks analyst Jenna Weaver says the businesses listed have the ability to pay their bills and they tend to, on average, have positive cash flow. She adds that while these businesses aren t necessarily fun or flashy, understanding why certain industries or business models are more inclined toward solvency than others is useful for any entrepreneur.

Following land subdivision and death-care services, this year s ranking also includes grocery stores, real-estate businesses, clothing stores, liquor stores, gas stations, dry cleaning and laundry services, specialty-food stores, employment services, health and personal care stores, and investigation and security services.

Land-subdivision companies divide land into plots to make selling the property easier. Weaver explains that its top ranking may reflect the strong real estate/construction market recovery since 2009.

The rest of the results show themes: half of the list represented the retail sector. While giants like Walmart are known to operate with a low current ratio because of their ability to turn inventory quickly into cash, small private retailers may have difficulty predicting consumer behavior and may therefore stockpile inventory to meet any unexpected consumer demand. Weaver explains that the ability for these smaller establishments to then turn these inventory levels into receivables, and receivables into cash plays a big role. Also, she says a third of the industries on the list are service-related businesses, which usually have lower or no inventory needs.

While every industry operates on different business cycles and models, entrepreneurs brainstorming on stable business ideas should always keep solvency in mind.

Often, when businesses fail, they fail because of their inability to manage these ratios and generate positive cash flow, Weaver says.

It s important to note that a current ratio that is too high is not always ideal. A company wants to keep enough cash or liquid assets available to be able to meet its short term debts, but it doesn t want to sit on too much cash or inventory, so that its assets are still being productive for the business.





The Most Profitable Types of Small Businesses #business #names #ideas

#most successful small businesses

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The Most Profitable Types of Small Businesses

If you re aiming for a lucrative business idea, it may be time to brush up on your number-crunching skills.

Accounting services topped the list of the top 15 small-business sectors by net profit margin over the last 12 months, according to Sageworks. a financial information company. The list was compiled using a database of more than 1,000 financial statements from private companies with less than $10 million in annual revenues.

The Sageworks data found that accounting led the pack in delivering the best profit margins, but service-based businesses in health care and real estate dominated the rest of the list.

Sageworks analyst Jenna Weaver notes that a lot of these service sectors are consistently at the top of the most profitable list. Service-based industries often have very healthy bottom lines, she says. Their overhead and equipment costs are often relatively low, and much of the time, it doesn t take a lot of upfront investment to get started.

Weaver adds: Often times, in cases like consulting, accounting, and legal services, you can get started right inside of your house, without even worrying about renting a space.

Check out the top 15 industries with the best net profit margins during the 12-month period ending July 31, 2014. For aspiring entrepreneurs, this may be the best place to start when considering new business ideas. (Note: Net profit margin has been adjusted to exclude taxes and include owner compensation in excess of their market-rate salaries.)

Credit: Sageworks, a financial information company (www.sageworks.com )

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Forms and Types of Business Entities – Choosing a Business Entity #business

#types of business

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Business Entity Types

To get the most out of your small business, choose the right structure. Selecting the right type of company or corporation for your new business helps maximize your chances of financial and operational success.

Common types of business structures and corporations include C corporations, limited liability companies (LLC), partnerships, S corporations, and sole proprietorships. Learn more about each type of business or corporation:

Limited Liability Companies (LLCs)

  • Independent legal structures separate from their owners.
  • Help separate your personal assets from your business debts.
  • Taxed similarly to a sole proprietorship (if one owner) or a partnership (if multiple owners).
  • No limit to the number of owners.
  • Not required to hold annual meetings or record minutes.
  • Governed by operating agreements.

C Corporations

  • Independent legal and tax structures separate from their owners.
  • Help separate your personal assets from your business debts.
  • No limit to the number of shareholders.
  • Taxed on corporate profits and shareholder dividends.
  • Must hold annual meetings and record meeting minutes.

S Corporations

  • Independent legal and tax structures separate from their owners.
  • Help separate your personal assets from your business debts.
  • Owners report their share of profit and loss in the company on their personal tax returns.
  • Limits on number of shareholders, who must be U.S. citizens or residents.
  • Must hold annual meetings and record meeting minutes.

Partnerships

  • Partners remain personally liable for lawsuits filed against the business.
  • Usually no state filing required to form a partnership.
  • Easy to form and operate.
  • Owners report their share of profit and loss in the company on their personal tax returns.

Sole Proprietorships

  • Owner remains personally liable for lawsuits filed against the business.
  • No state filing required to form a sole proprietorship.
  • Easy to form and operate.
  • Owner reports business profit and loss on their personal tax return.

Review our Business Comparison Chart for more details. Regardless of business structure you choose, incorporate.com can help you incorporate or form an LLC online or by phone for less than the cost of using an attorney.

Ready to Form a Business? Get Started





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


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Usb Plug Wiring Diagram

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Usb Plug Wiring Diagram

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Life Insurance: Types of Online Life Insurance Plans and Policy #life #insurance


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Bajaj Allianz Life Insurance

Why Life Insurance?

We all care about our family and wish to ensure their financial security in the best possible way. A life insurance policy is an ideal way to secure our family’s future, if we’re suddenly not around to fulfill our responsibilities towards them.

Millions of people buy life insurance policy every year in India for reasons such as ensuring family security, availing tax benefits, savings, etc. If you’re the sole bread winner of the family then your untimely demise can cause financial distress. But, having a suitable life insurance policy helps your family to clear off your existing debts or loans, if any, medical expenses, unforeseen contingencies, etc. so that it does not cause any financial burden on them. Thus, life insurance policy becomes a financial backbone to fulfill the financial needs of your family members in your absence.

One of the leading life insurance companies in India

Bajaj Allianz Life Insurance Company Limited is one of India’s leading life insurance companies. Bajaj Allianz is a joint venture between Bajaj Finserv Limited and Allianz SE. The joint venture incorporates global expertise with local experience. Both the companies enjoy a reputation of expertise, stability and strength.

At Bajaj Allianz Life Insurance, customer delight is our guiding principle. We provide need-based life insurance policies to meet the requirements of our valued customers.

Bajaj Allianz Life Insurance has a strong life insurance product portfolio ranging from Ulip to Term insurance, Child plans to Retirement plans, Group life insurance to Investment plans. Our life insurance plans provide complete protection and financial stability for your family in case of any unfortunate events.

The Company began its operations in 2001 and today has a pan-India presence with 638* branches.

*Number of branches as on December 30, 2016

SMS for hassle free service !

For updates on your Fund Value SMS “FV space 10 digit policy no ” send it to “9225850101

Now you can just type the keyword ‘SUPPORT’ and send it to 56070 & our Representative would call you shortly to attend to your service queries.

Disclaimer: By using the SMS SUPPORT service kindly note that you would be authorizing to receive call(s) / SMS from Bajaj Allianz Life Insurance Co. Ltd through its representatives on your tele-contact no with respect to the query for which you have requested call back even if it is registered under NCPR/NDNC registry with your telecom operator.

NDNC disclaimer: By submitting your contact details or responding to Bajaj Allianz Life Insurance Company Limited. with an SMS or Missed Call, you authorise Bajaj Allianz Life Insurance Company Limited and/or its authorized Service Providers to verify the above information and/or contact you to assist you with the purchase and/or servicing


Addiction: Discover More About the Types of Addiction #types #of #drug #addiction


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What is Addiction?

The current model to explain addiction suggests that addiction begins with the basic pleasure and reward circuits in the brain, which involve the chemical dopamine. These reward centers are designed to activate during pleasurable acts such as eating. Whenever ingesting a substance causes these reward circuits to activate, addiction and dependence is possible. However, addictive behaviors that are considered damaging or destructive have characteristics that distinguish them from normal behavior (see common characteristics of destructive addictions. Examples of common destructive addictions are alcohol intoxication. alcoholism. cocaine abuse. drug dependence and abuse. methamphetamine abuse, narcotic abuse. and substance abuse .

People with addictions often cannot quit on their own. Addiction is an illness that requires treatment. Treatment may include counseling, behavioral therapies, self-help groups, and medical treatment. People often assume that those with addictions should be able to quit by simply making up their minds to do so. Addiction is thought to be possible for a wide range of chemical substances. Dependence, most often related to physical symptoms, can occur for a subset of the chemicals that cause addiction. For instance, rarely an individual is prescribed a medication by a doctor for a legitimate reason (such as pain after an injury) and this can lead to physical withdrawal symptoms if this medication is stopped. Rarely, this post-medical treatment drug dependence can lead to drug abuse. People with drug abuse problems are individuals whose brain biochemistry has been altered by alcohol or drugs.

  • The words addiction, drug addiction, alcoholism, and chemical dependency are common terms for abuse of alcohol or drugs.
  • Addiction (or drug abuse) is often confused with dependence.
  • Many drugs can affect the brain. Some of these cause changes in behavior and can result in dependence or abuse.
  • Dependence is the development of withdrawal symptoms after use of a substance is stopped. It can happen with the subset of chemical substances that are psychologically or physically habit-forming. Dependence is characterized by tolerance. Tolerance occurs when the body becomes less responsive to a specific amount of a substance, thereby causing the person to increase the amount of drug intake to achieve the previous effect. Well-defined physiological or psychological symptoms may occur upon withdrawal.

Medically Reviewed by a Doctor on 1/4/2016

Maureen C Nash, MD, MS

Read What Your Physician is Reading on Medscape

Medical Dictionary


Types of mba #types #of #mba


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Christine Plumley

Assistant Director of Admissions
MBA for Professionals Programs

The UF MBA Program seeks highly-competitive candidates to become a part of our diverse UF MBA community individuals who are committed to getting the most out of their MBA experience and to leaving a legacy for others to follow.

The UF MBA Program operates on a rolling admissions basis, and completed applications are considered as soon as they are received. Candidates are encouraged to apply online as early as possible. Admission is highly competitive and limited to the most qualified applicants. Prior to completing an application, all prospective candidates should make certain they meet the minimum academic requirements and have the necessary two years of professional work experience to be a competitive applicant.

When reviewing applications, the Admissions Committee searches for evidence of proven intellectual ability, managerial promise and community involvement. Strong interpersonal skills, communication ability, motivation, maturity, career focus and leadership potential are also important qualities in prospective students.

Successful applicants demonstrate high performance in the following areas:

Applicants must possess a four-year bachelor’s degree from an accredited U.S. college or university, or its four-year international equivalent. In reviewing the academic record, the Admissions Committee considers the caliber of the institution attended, rigor of the curriculum, performance in quantitative courses and record of scholastic achievement. Official scores (within the last five years) from the Graduate Management Admission Test (GMAT ) provide another important indicator of the candidate’s ability to succeed academically. Applicants who are required to take the Test of English as a Foreign Language (TOEFL ) must meet the minimum standards set forth by the University of Florida’s Office of Graduate Admissions. In recent years, admitted Full-Time Programs candidates have averaged a 3.4 GPA and 675 GMAT.

Applicants are required to have at least two years of significant, full-time, post-baccalaureate work experience prior to enrollment. For all applicants, the Admissions Committee is interested in work-related responsibilities and accomplishments, career advancement and potential, managerial or international experience and future career goals.

UF MBA requires two professional recommendations to help evaluate prior performance within an organization, appropriateness of the MBA degree and potential for future business leadership. Current and former supervisors provide the best recommendations, as well as anyone else who can speak to your professional abilities. Recommendations should not be submitted by friends, relatives, or former professors. If an applicant knows a current UF MBA student or alum, they can serve as a recommender by providing a brief endorsement directly to a UF MBA Admissions representative. Recommenders have the option of using our recommendation form or providing a standard letter. Letters should be submitted directly from your recommenders to the UF MBA Programs Office at ( floridamba at warrington.ufl.edu ).

The applicant’s written essays and personal interview provide opportunities to convey one’s unique background, personality, and ability to add to the diversity of the UF MBA community. A selection of required and optional essays allows candidates to describe important attributes that are not apparent in other parts of the application. The essays are evaluated not only for content, but also for writing style and grammar.

Candidates may be asked to interview with a UF MBA admissions representative prior to the Admission Committee’s final decision. Interviews are by invitation only.

Free GMAT Practice Test

Questions?


StudyFinance: Types of Business Organization #sba #loan #programs

#types of business

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Types of Business Organization

It is important that the business owner seriously considers the different forms of business organization types such as sole proprietorship, partnership, and corporation. Which organizational form is most appropriate can be influenced by tax issues, legal issues, financial concerns, and personal concerns. For the purpose of this overview, basic information is presented to establish a general impression of business organization.

Sole Proprietorship

A Sole Proprietorship consists of one individual doing business. Sole Proprietorships are the most numerous form of business organization in the United States, however they account for little in the way of aggregate business receipts.

  • Ease of formation and dissolution. Establishing a sole proprietorship can be as simple as printing up business cards or hanging a sign announcing the business. Taking work as a contract carpenter or freelance photographer, for example, can establish a sole proprietorship. Likewise, a sole proprietorship is equally easy to dissolve.
  • Typically, there are low start-up costs and low operational overhead.
  • Ownership of all profits.
  • Sole Proprietorships are typically subject to fewer regulations.
  • No corporate income taxes. Any income realized by a sole proprietorship is declared on the owner s individual income tax return.
  • Unlimited liability. Owners who organize their business as a sole proprietorship are personally responsible for the obligations of the business, including actions of any employee representing the business.
  • Limited life. In most cases, if a business owner dies, the business dies as well.
  • It may be difficult for an individual to raise capital. It s common for funding to be in the form of personal savings or personal loans.

The most daunting disadvantage of organizing as a sole proprietorship is the aspect of unlimited liability. An advantage of a sole proprietorship is filing taxes as an individual rather than paying corporate tax rates. Some hybrid forms of business organization may be employed to take advantage of limited liability and lower tax rates for those businesses that meet the requirements. These include S Corporations, and Limited Liability Companies (LLC s). Where S-Corps are a Federal Entity, LLC s are regulated by the various states. LLC s give the option for profits from the business to pass through to the owner s individual income tax return.

Partnership

A Partnership consists of two or more individuals in business together. Partnerships may be as small as mom and pop type operations, or as large as some of the big legal or accounting firms that may have dozens of partners. There are different types of partnerships general partnership, limited partnership, and limited liability partnership the basic differences stemming around the degree of personal liability and management control.

  • Synergy. There is clear potential for the enhancement of value resulting from two or more individuals combining strengths.
  • Partnerships are relatively easy to form, however, considerable thought should be put into developing a partnership agreement at the point of formation.
  • Partnerships may be subject to fewer regulations than corporations.
  • There is stronger potential of access to greater amounts of capital.
  • No corporate income taxes. Partnerships declare income by filing a partnership income tax return. Yet the partnership pays no taxes when this partnership tax return is filed. Rather, the individual partners declare their pro-rata share of the net income of the partnership on their individual income tax returns and pay taxes at the individual income tax rate.
  • Unlimited liability. General partners are individually responsible for the obligations of the business, creating personal risk.
  • Limited life. A partnership may end upon the withdrawal or death of a partner.
  • There is a real possibility of disputes or conflicts between partners which could lead to dissolving the partnership. This scenario enforces the need of a partnership agreement.

As pointed out, unlimited liability exists for partnerships just as for sole proprietorships. One way to alleviate this risk is through Limited Liability Partnerships (LLP s). As with LLC s, LLP s may offer some tax advantages while providing some risk protection for owners.

Corporation

Corporations are probably the dominant form of business organization in the United States. Although fewer in number, corporations account for the lion s share of aggregate business receipts in the U.S. economy. A corporation is a legal entity doing business, and is distinct from the individuals within the entity. Public corporations are owned by shareholders who elect a board of directors to oversee primary responsibilities. Along with standard, for-profit corporations, there are charitable, not-for-profit corporations.

  • Unlimited commercial life. The corporation is an entity of its own and does not dissolve when ownership changes.
  • Greater flexibility in raising capital through the sale of stock.
  • Ease of transferring ownership by selling stock.
  • Limited liability. This limited liability is probably the biggest advantage to organizing as a corporation. Individual owners in corporations have limits on their personal liability. Even if a corporation is sued for billions of dollars, individual shareholder s liability is generally limited to the value of their own stock in the corporation.
  • Regulatory restrictions. Corporations are typically more closely monitored by governmental agencies, including federal, state, and local. Complying with regulations can be costly.
  • Higher organizational and operational costs. Corporations have to file articles of incorporation with the appropriate state authorities. These legal and clerical expenses, along with other recurring operational expenses, can contribute to budgetary challenges.
  • Double taxation. The possibility of double taxation arises when companies declare and pay taxes on the net income of the corporation, which they pay through their corporate income tax returns. If the corporation also pays out dividends to individual shareholders, those shareholders must declare that dividend income as personal income and pay taxes at the individual income tax rates. Thus, the possibility of double taxation.

This overview was developed by Dr. Sharon Garrison.
No adaptation of its content is permitted without permission.





Who Offers the Most Car Insurance Discounts, life insurance types comparison chart.#Life


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Which company has the most car insurance discounts for you?

Expensive maintenance, stinging state fees and fuel tank fill-ups can make owning a car a pricey proposition. Your car insurance may represent one of the few areas for possible savings. If you haven t reviewed your policy in a while, you might be missing out on a multitude of valuable discounts.

Discounts are an important way consumers can narrow the field when it comes to choosing a provider.

One of the most important things is to advocate for yourself. Ask what discounts are available, says Jim Whittle, assistant general counsel and chief claims counsel of the American Insurance Association. There s a whole slew of discounts in the marketplace.

To help you find the best deal, Bankrate has updated its table of popular discounts found on the websites of the 10 largest auto insurers.

Compare car insurance discounts

For bundling car insurance with other policies, such as home insurance.

For insuring more than one vehicle.

For anti-theft device, such as alarm system.

For safety features such as air bags and motorized seat belts.

For vehicles that are a certain number of years old.

For a hybrid or alternative-fuel vehicle.

For a clean driving record.

For taking a defensive driving course. May have age restrictions.

For keeping mileage down. Electronic monitoring of mileage may be required.

For members of the armed forces.

For belonging to a certain group or working for a certain company or in a certain field.

For paying premium all at once.

For billing or payment done electronically.

For having stayed with the insurer for a length of time.

For switching to a new carrier if shopping process started at least a certain number of days before old policy expired.

For a younger driver earning good grades.

For a young driver on a policy attending school far from home.

If you own your home or condominium.

Note: Some discounts not available in all states.

Results found in Oct. 22-23, 2015, survey of discount information available on the websites of the 10 largest car insurance companies. The list of top 10 car insurers is by market share in 2014, according to the National Association of Insurance Commissioners.

We did the digging for you

We unscientifically, but meticulously, dug through the depths of insurers websites and sifted through sometimes intricate wording about discounts to save you from doing the heavy lifting.

Many well-known car insurance discounts are spelled out prominently on companies websites. State Farm s website, for example, states that you can save up to 20% if you have 2 or more vehicles in the same household insured by people who are related.

Nationwide, like all the insurers, has a main list of discounts on its website. If you search further for discounts by state, you ll find various additional reductions that may be possible where you live, including discounts if your vehicle is newer or has air bags.

Life insurance types comparison chart

On some sites, details about certain discounts can be found only in Q A sections or in blog posts.

As in past years, Bankrate has found a trend toward more discounts, including one that s new to our chart: 3 of the top 10 now give a price break on auto insurance if you own your own home or condominium.

How should you use this information?

The most important thing consumers can do to find the best car insurance rate is shop around, even if you don t plan on switching providers. Request quotes from multiple insurers and see the savings that each can offer. Be sure to inquire about discounts detailed on our chart.

If you are out looking for a product, you know what you want in terms of coverage, you know what premiums would be, you find out what discounts are available, Whittle says. Everyone should be asking when they get a quote, What discounts are available? What discounts might I qualify for?’

Some auto insurers use a method known as price optimization to figure out which customers are likely to comparison-shop versus which customers aren t, says Amy Bach, executive director of the insurance consumer group United Policyholders. In some instances, you can end up being punished for being loyal to your insurer, she says.

Be proactive against rising costs

If they find out that you re not going to shop and compare, they may say, We re going to give you a discount for having good grades,’ Bach says. But that actually may mask the fact that they may be charging you more, based on the data-mining that they found.

To avoid being on the losing end of price optimization or missing out on discounts, it s critical to comparison-shop for the best auto insurance policy.

Anybody who doesn t take advantage of the opportunity to shop is probably putting themselves at a disadvantage, says Bob Passmore, assistant vice president of personal lines policy at Property Casualty Insurers Association of America.

The cost of a lot of insurance goes up by the cost of everything else, he says. The cost of taking care of the aftermath in accidents medical care and auto body repair continues to go up, and that s going to be reflected in the insurance premiums we all pay.

Don t get overwhelmed!

When shopping for an insurance policy, you may get wildly varying quotes from one insurer to the next. And when you factor in the different discounts each insurer provides, you can easily feel overwhelmed.

The best thing to do is take your current coverage out and ask for quotes for the same thing, Passmore says. Make sure you re getting the same limits quoted, the same optional coverages quoted. … Somebody could give you a quote for a minimum-limits policy that will look really cheap, but it might be half or a quarter of the limits that you already have.

Bach says it s also important to ask insurers about their rules for raising rates and surcharging you if you file a claim.

Find out, OK, if I have a fender bender where no one gets hurt, is that going to make my rate go up? Does every claim make my rate go up?’ she says.

And when it comes to discounts, don t take what s presented on insurers websites as the final word. Ask if there are any other discounts available.

It s always worth asking the question, Passmore says.


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

#business degree

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The Beginner s Guide to Different Types of Business Degrees

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

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

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

15 Types of business degrees to consider

Accounting

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

COMMON COURSE SUBJECTS:

Advertising

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

COMMON COURSE SUBJECTS:

POTENTIAL JOB TITLES:

Business management

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

COMMON COURSE SUBJECTS:

POTENTIAL JOB TITLES:

Economics

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

COMMON COURSE SUBJECTS:

POTENTIAL JOB TITLES:

Entrepreneurship

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

COMMON COURSE SUBJECTS:

POTENTIAL JOB TITLES:

Finance

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

COMMON COURSE SUBJECTS:

POTENTIAL JOB TITLES:

Healthcare management

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

COMMON COURSE SUBJECTS:

POTENTIAL JOB TITLES:

Health services manager

Patient care associate

Hospitality management

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

COMMON COURSE SUBJECTS:

Human resources

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

COMMON COURSE SUBJECTS:

POTENTIAL JOB TITLES:

International business

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

COMMON COURSE SUBJECTS:

POTENTIAL JOB TITLES:

Supply chain analyst

Business development specialist

Marketing

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

COMMON COURSE SUBJECTS:

Statistics

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

COMMON COURSE SUBJECTS:

POTENTIAL JOB TITLES:

Supply chain management

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

COMMON COURSE SUBJECTS:

POTENTIAL JOB TITLES:

Supply chain risk

Choose your business career path

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

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

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

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

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

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Four Types of Software for Desktop Publishing #software #types


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Software for Desktop Publishing

Updated November 04, 2016

Desktop publishers and graphic designers for print and web use four general groups of software. These types of programs make up the core of a designer s toolbox. Additional utilities, add-ons, and specialty software not covered here can enhance the basic desktop publishing software arsenal. Within some of the four general groups of software are sub-categories.

Word Processor

Microsoft Word 2010 Box Shot and Sample Template. Microsoft Word 2010 Box Shot and Sample Template; Box shot courtesy of PriceGrabber

You use a word processor to type and edit text including spell checking and grammar checking. You may even be able to format specific elements on the fly and include those formatting tags when you import text to your page layout program, simplifying some formatting tasks. While you can do some layout work in your word processor software, it is best suited to working with words, not for page layout. If your intent is to have your work commercially printed, word processing file formats are usually not suitable. Choose a word processor that can import and export a variety of formats for maximum compatibility with others.

Continue Reading Below

Page Layout Software

Adobe InDesign CS4 with open document. Adobe CS4 Screenshot by J. Bear

Page layout software is most closely associated with doing desktop publishing. This kind of software allows for the integration of text and images on the page, easy manipulation of page elements, creation of artistic layouts and multi-page publications such as newsletters and books. High-end or professional-level tools include prepress features, while software for home publishing or creative projects involve more templates and clip art .

Professional page layout software is dominated by Adobe InDesign and QuarkXPress for PC and Mac. Other page layout software for PCs includes Serif PagePlus and Microsoft Publisher.

Home publishing software consists of many special-purpose applications for calendars, T-shirt transfers, digital scrapbooks and greeting cards. Home publishing programs that aren t limited to one purpose include The Print Shop. PrintMaster and Print Artist .

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Graphics Software

Adobe Photoshop CS4 with photo open for editing. Adobe CS4 Screenshot by J. Bear

For print publishing, a vector illustration program and a photo editor are the types of graphics software you need. Some graphics software programs incorporate a few features of the other type, but for most professional work, you ll need each one.

Illustration software works with scaleable vector graphics that allow flexibility when creating artwork that is to be resized or must go through multiple edits. Adobe Illustrator, CorelDraw and Inkscape are examples of

Photo Editing Software. also called paint programs or image editors, work with bitmap images such as scanned photos. Although illustration programs can export bitmaps, photo editors are better for web images and many special photo effects. Photoshop is a popular example. Other image editors include Corel PaintShop Pro and Gimp.

Electronic or Web Publishing


Types of Business Insurance #new #business

#small business insurance

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Insurance coverage is available for every conceivable risk your business might face. Cost and amount of coverage of policies vary among insurers. You should discuss your specific business risks and the types of insurance available with your insurance agent or broker. Your agency can advise you on the exact types of insurance you should consider purchasing.

General Liability Insurance

Business owners purchase general liability insurance to cover legal hassles due to accident, injuries and claims of negligence. These policies protect against payments as the result of bodily injury, property damage, medical expenses, libel, slander, the cost of defending lawsuits, and settlement bonds or judgments required during an appeal procedure.

Product Liability Insurance

Companies that manufacture, wholesale, distribute, and retail a product may be liable for its safety. Product liability insurance protects against financial loss as a result of a defect product that causes injury or bodily harm. The amount of insurance you should purchase depends on the products you sell or manufacture. A clothing store would have far less risk than a small appliance store, for example.

Professional Liability Insurance

Business owners providing services should consider having professional liability insurance (also known as errors and omissions insurance ). This type of liability coverage protects your business against malpractice, errors, and negligence in provision of services to your customers. Depending on your profession, you may be required by your state government to carry such a policy. For example, physicians are required to purchase malpractice insurance as a condition of practicing in certain states.

Commercial Property Insurance

Property insurance covers everything related to the loss and damage of company property due to a wide-variety of events such as fire, smoke, wind and hail storms, civil disobedience and vandalism. The definition of “property” is broad, and includes lost income, business interruption, buildings, computers, company papers and money.

Property insurance policies come in two basic forms: (1) all-risk policies covering a wide-range of incidents and perils except those noted in the policy; (2) peril-specific policies that cover losses from only those perils listed in the policy. Examples of peril-specific policies include fire, flood, crime and business interruption insurance. All-risk policies generally cover risks faced by the average small business, while peril-specific policies are usually purchased when there is high risk of peril in a certain area. Consult your insurance agent or broker about the type of business property insurance best suited for your small business.

Home-Based Business Insurance

Contrary to popular belief, homeowners’ insurance policies do not generally cover home-based business losses. Depending on risks to your business, you may add riders to your homeowners’ policy to cover normal business risks such as property damage. However, homeowners’ policies only go so far in covering home-based businesses and you may need to purchase additional policies to cover other risks, such as general and professional liability.





What Are the Different Types of Car Insurance? #types #of #car #insurance,


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What Are the Different Types of Auto Insurance?

You may already know how auto insurance works, but do you know what the different types of car insurance are? If you’re shopping for auto coverage, knowing the different coverages available is an important step in getting the policy that’s right for you. Here are a few of the basic car insurance types, how they work and what they cover.

Liability coverage may help cover damages for injuries and property damage to others for which you become legally responsible resulting from a covered accident.

Collision insurance may cover damage to your car after an accident involving another vehicle.

Comprehensive insurance may help pay for damage to your car due to incidents besides collisions, including vandalism, certain weather events and accidents with animals.

Uninsured motorist insurance can protect you and your car against uninsured drivers and hit-and-run accidents.

Underinsured motorist insurance can protect you in the event of an accident with a driver whose insurance is not enough to cover the costs.

Medical payments coverage can help pay medical costs related to a covered accident, regardless of who is at fault.

Personal injury protection insurance may cover certain medical expenses and loss of income resulting from a covered accident.

Gap insurance may help certain drivers cover the amount owed on a car loan after a total loss or theft.

Towing and labor insurance may reimburse you for a tow and for the labor costs to repair your vehicle.

Rental reimbursement insurance helps pay for a rental car if your vehicle cannot be driven after an accident.

Classic car insurance provides specialized coverage designed for the unique needs of vintage and classic car collectors.

If you don’t currently have auto insurance, it’s crucial to get coverage as soon as possible. Get a free quote in just minutes by visiting Nationwide.com and entering your zip code.

Insurance terms, definitions and explanations are intended for informational purposes only and do not in any way replace or modify the definitions and information contained in individual insurance contracts, policies or declaration pages, which are controlling. Such terms and availability may vary by state and exclusions may apply. Discounts may not be applied to all policy coverages.

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5 Different Types Of Businesses #stockmarket #today

#types of business

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5 Different Types Of Businesses

1

Sole proprietor

Definition:A sole proprietorship is a business that is owned and operated by a natural person (individual). This is the simplest form of business entity. The sole proprietorship is not a legal entity. The business has no existence separate from the owner who is called the proprietor. SARS

Typical sole traders include the man-in-a-van type of occupation such as a plumber or electrician. However, the term can also apply to people who run small, web-based businesses from home.

This is the simplest and the most common type of business out there. The sole proprietor is responsible for everything the business does. You trade under your own name, with no separation of assets and liabilities. This means that you’ll be held personally liable for any debts that the business incurs.

2

Partnership

Definition:A partnership is the relationship existing between two or more persons who join to carry on a trade or business. Each person contributes money, property, labour or skill, and expects to share in the profits and losses of the business. IRS

Partnerships are typically found in professional services such as accountants, lawyers, doctors, dentists etc, where the partners can share expertise and skills. They can also share the workload, organising work rotas to allow for time off and holidays. Partnerships comprise two or more people and any profits, debts and decisions related to the business are shared.

3

Company

Definition:A company is a legal entity made up of an association of persons, be they natural, legal, or a mixture of both, for carrying on a commercial or industrial enterprise. Wikipedia

Companies are owned by shareholders who each put an amount of money into a central pool. This pool of capital is then added to by borrowing and other forms of finance. Directors run the company on behalf of shareholders, who receive a share of the profits. Each shareholder receives a portion – or share – of the company that is equivalent to what they put in.

A company is seen as a legal entity that is entirely separate from the shareholders.

4

Franchise

Definition:A franchise in its’ simplest form is an agreement or license entered into by two parties, the franchisor and the franchisee. Which Franchise

Franchises are licensing arrangements whereby an individual or group can buy the right to trade and produce under a well-known brand name in a given locality. A franchise involves you using another company’s successful business model – and name – to establish your own business. The franchisee benefits from working for themselves while having the privilege and reputation associated with a much larger group.

Find more information on franchise businesses in South Africa here .

5

Limited liability

Definition:Limited liability is a type of liability that does not exceed the amount invested in a partnership or limited liability company. The limited liability feature is one of the biggest advantages of investing in publicly listed companies. Investopedia

Limited liabilities are intended to benefit professional partnerships such as lawyers, doctors etc. They offer a form of business protection for company shareholders and some limited partners. For these individuals, the maximum sum they can lose from a business venture that goes under, is the sum of money that they invested in the company.

Limited liability allows the members to limit their personal liability if something goes wrong with the business.

Check the Availability of a Company Name with CIPC. Find out more here .

Alison Job holds a BA English, Communications and has extensive experience in writing that spans news broadcasting, public relations and corporate and consumer publishing. Find her at Google+ .





Types of Businesses and Forms of Business Organizations #small #business #admin

#types of business

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A business is an organization that uses economic resources or inputs to provide goods or services to customers in exchange for money or other goods and services.

Business organizations come in different types and forms.

3 Types of Business

There are three major types of businesses:

1. Service Business

A service type of business provides intangible products (products with no physical form). Service type firms offer professional skills, expertise, advice, and other similar products.

Examples of service businesses are: schools, repair shops, hair salons, banks, accounting firms, and law firms.

2. Merchandising Business

This type of business buys products at wholesale price and sells the same at retail price. They are known as buy and sell businesses. They make profit by selling the products at prices higher than their purchase costs.

A merchandising business sells a product without changing its form. Examples are: grocery stores, convenience stores, distributors, and other resellers.

3. Manufacturing Business

Unlike a merchandising business, a manufacturing business buys products with the intention of using them as materials in making a new product. Thus, there is a transformation of the products purchased.

A manufacturing business combines raw materials, labor, and factory overhead in its production process. The manufactured goods will then be sold to customers.

Hybrid Business

Hybrid businesses are companies that may be classified in more than one type of business. A restaurant, for example, combines ingredients in making a fine meal (manufacturing), sells a cold bottle of wine (merchandising), and fills customer orders (service).

Nonetheless, these companies may be classified according to their major business interest. In that case, restaurants are more of the service type they provide dining services .

Forms of Business Organization

These are the basic forms of business ownership:

1. Sole Proprietorship

A sole proprietorship is a business owned by only one person. It is easy to set-up and is the least costly among all forms of ownership.

The owner faces unlimited liability ; meaning, the creditors of the business may go after the personal assets of the owner if the business cannot pay them.

The sole proprietorship form is usually adopted by small business entities.

2. Partnership

A partnership is a business owned by two or more persons who contribute resources into the entity. The partners divide the profits of the business among themselves.

In general partnerships, all partners have unlimited liability. In limited partnerships, creditors cannot go after the personal assets of the limited partners.

3. Corporation

A corporation is a business organization that has a separate legal personality from its owners. Ownership in a stock corporation is represented by shares of stock .

The owners (stockholders) enjoy limited liability but have limited involvement in the company’s operations. The board of directors. an elected group from the stockholders, controls the activities of the corporation.

In addition to those basic forms of business ownership, these are some other types of organizations that are common today:

Limited Liability Company

Limited liability companies (LLCs) in the USA, are hybrid forms of business that have characteristics of both a corporation and a partnership. An LLC is not incorporated; hence, it is not considered a corporation.

Nonetheless, the owners enjoy limited liability like in a corporation. An LLC may elect to be taxed as a sole proprietorship, a partnership, or a corporation.

Cooperative

A cooperative is a business organization owned by a group of individuals and is operated for their mutual benefit. The persons making up the group are called members. Cooperatives may be incorporated or unincorporated.

Some examples of cooperatives are: water and electricity (utility) cooperatives, cooperative banking, credit unions, and housing cooperatives.





Drug Addiction Treatment Types – Types of Drug Rehab and Addiction Treatment


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Finding the Top Exclusive Drug Rehab or Addiction Treatment Center

Not every addiction is the same therefore it stands to reason that there would a number of different types of drug addiction treatment programs. Throughout the United States, individuals who are living with an addiction to drugs have a number of different treatment options at their disposal. The information below is designed to educate individuals and their families about these options and help them make the most informed decision possible about where to seek treatment.

What are the Different Types of Drug Addiction Treatment?

A discussion about drug addiction treatment types should begin with the two major styles of treatment currently at work in the United States: inpatient and outpatient.

Inpatient drug addiction treatment (or residential drug rehab as it is also known) has the individual moving into a rehab facility full-time. While enrolled in these programs, recovering addicts live side-by-side with other men and women going through similar circumstances. Most commonly, they will move through a process that includes detox, counseling and aftercare. Inpatient drug addiction rehab is ideal for those who are being negatively impacted by their home environment, and are in need of a place where they can focus solely on their recovery.

The other major form of drug addiction treatment is outpatient care. An outpatient drug rehab program contains many of the elements found in inpatient care, with one primary difference: individuals receive treatment during the day, but then return home in the evenings. Inpatient rehab is designed to help those who need to maintain a presence at home during treatment, or have a less serious condition that does not merit round the clock care.

Other Types of Drug Rehab and Addiction Treatment

In addition to these two primary forms of care, there are also a number of niche treatment centers around the country that help individuals with special needs or lifestyles. These programs include:

  • Women s Drug Rehab. Gender-specific programs such as these provide women with a safer place to heal and speak to issues directly impacting their addiction, such as co-dependency, self-image issues and past sexual abuse.
  • Teen Drug Rehab. Teens and adolescents become addicted to drugs for different reasons that adults. As such, they require unique treatment centers that help them, and their families heal.
  • Dual Diagnosis Drug Rehab. Individuals who suffer from co-occurring mental illness and addiction issues are referred to as dual diagnosis patients. These high-risk individuals require specialized care that includes addiction treatment and psychiatric counseling.
  • Holistic Drug Rehab. A number of rehab programs for drug addiction are turning to holistic methods to help their patients. Through yoga, acupuncture, nutritional counseling and meditation, these drug rehab centers help enhance the individual s mind, body and spirit.

Explore Treatment Options Now

15140 16th Ave,
Marne, Michigan 49435

Rehabs.com is a comprehensive guide for the entire treatment process – from spotting issues to find and enrolling into rehabillation. Yet it’s more than that; it’s also an extensive educational resource that includes up to date statistics, policy and regulation information as well as a section on careers in the industry. If that’s not enough, this site also cover a list of hot button issues that can be found on the blog and in the infographics library.

How Our Help Line Works

For those seeking addiction treatment for themselves or a loved one, the Rehabs.com help line is a private and convenient solution. These centers, that pay to be help line supporters, have caring advisors standing by 24/7 to discuss your treatment options. If you wish to connect with non-sponsor centers, you can browse top-rated listings. visit our homepage and browse by state, or visit SAMHSA.

Calls to any general helpline (non-facility specific 1-8XX numbers) for your visit will be answered between 5am and 9pm (PT) by American Addiction Centers (AAC) and outside of those hours by one of our paid treatment center sponsors.


Types of Business Insurance #business #cards #design

#small business insurance

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Insurance coverage is available for every conceivable risk your business might face. Cost and amount of coverage of policies vary among insurers. You should discuss your specific business risks and the types of insurance available with your insurance agent or broker. Your agency can advise you on the exact types of insurance you should consider purchasing.

General Liability Insurance

Business owners purchase general liability insurance to cover legal hassles due to accident, injuries and claims of negligence. These policies protect against payments as the result of bodily injury, property damage, medical expenses, libel, slander, the cost of defending lawsuits, and settlement bonds or judgments required during an appeal procedure.

Product Liability Insurance

Companies that manufacture, wholesale, distribute, and retail a product may be liable for its safety. Product liability insurance protects against financial loss as a result of a defect product that causes injury or bodily harm. The amount of insurance you should purchase depends on the products you sell or manufacture. A clothing store would have far less risk than a small appliance store, for example.

Professional Liability Insurance

Business owners providing services should consider having professional liability insurance (also known as errors and omissions insurance ). This type of liability coverage protects your business against malpractice, errors, and negligence in provision of services to your customers. Depending on your profession, you may be required by your state government to carry such a policy. For example, physicians are required to purchase malpractice insurance as a condition of practicing in certain states.

Commercial Property Insurance

Property insurance covers everything related to the loss and damage of company property due to a wide-variety of events such as fire, smoke, wind and hail storms, civil disobedience and vandalism. The definition of “property” is broad, and includes lost income, business interruption, buildings, computers, company papers and money.

Property insurance policies come in two basic forms: (1) all-risk policies covering a wide-range of incidents and perils except those noted in the policy; (2) peril-specific policies that cover losses from only those perils listed in the policy. Examples of peril-specific policies include fire, flood, crime and business interruption insurance. All-risk policies generally cover risks faced by the average small business, while peril-specific policies are usually purchased when there is high risk of peril in a certain area. Consult your insurance agent or broker about the type of business property insurance best suited for your small business.

Home-Based Business Insurance

Contrary to popular belief, homeowners’ insurance policies do not generally cover home-based business losses. Depending on risks to your business, you may add riders to your homeowners’ policy to cover normal business risks such as property damage. However, homeowners’ policies only go so far in covering home-based businesses and you may need to purchase additional policies to cover other risks, such as general and professional liability.





Cost of an IUD – Consumer Information #iud, #iud #cost, #iud #prices,


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IUD Cost

An intrauterine device (IUD) is a small T-shaped plastic birth control device inserted into the uterus during a brief procedure in a doctor’s office. There are two types of IUD — one uses copper and the other, progestin — and the copper IUD is popular among women who want a non-hormonal form of birth control.

  • For patients not covered by insurance, an IUD typically costs between $175 and $600 for the device, insertion and a follow-up appointment. Sometimes an appointment for a pelvic exam, where you discuss whether the IUD is right for you, is required before the insertion appointment can be made. This can cost an additional $35 to $200 — for a total of $210 to $800 .
  • For patients covered by insurance, out-of-pocket costs likely include a copay of $10 to $30 for the initial doctors’ visit and a similar copay for the insertion, or a percentage of the total cost, usually about 20 percent.
  • Many health insurance plans cover IUDs — especially those with a birth control coverage rider. In some states, it’s mandatory; the Kaiser Family Foundation [1 ] lists the 26 states that require insurance with prescription drug coverage to include contraceptive devices. On TheNest.com [2 ] forum, women discuss their experiences with various health insurance plans and IUD coverage.

Related articles: Birth Control Pills. Morning After Pill. Vasectomy

What should be included:

  • In the United States, there are two types of IUDs available: ParaGard, which is wrapped with copper to prevent pregnancy and Mirena, which releases low doses of the hormone progestin. Both types of IUD affect sperm movement — preventing sperm from fertilizing eggs — and change the lining of the uterus. The IUD with progestin also can prevent ovulation. It is possible that both types might prevent a fertilized egg from implanting. Planned Parenthood [3 ] has an overview of IUDs.
  • IUDs usually are inserted during a menstrual period, to make the process easier. First, the doctor will run tests to make sure you are not pregnant and do not have any STDs, and might give you a mild pain reliever, such as ibuprofen.The doctor will insert a speculum into the vagina, put antiseptic on the cervix, put the IUD into an insertion tube, which folds down the crossbars of the T-shaped device, and insert the IUD.
  • IUDs are 99 percent effective in preventing pregnancy as long as they remain in place; it is important to check after each menstrual period to make sure the string of the IUD is in the same position. The U.S. Food and Drug Administration [4 ] offers a chart comparing risks and effectiveness rates of various forms of birth control.

Additional costs:

  • Removal of the IUD might be included in original cost, or it could cost as much as $100 to $200 .
  • Mirena IUDs need to be replaced every five years and ParaGard IUDs every12 years. The cost of replacement is the same as the original cost.

Discounts:

  • Family planning or health clinics, such as Planned Parenthood, often offer IUDs for a discount to women who qualify, based on a sliding scale. Prices can be more than two-thirds lower than at doctors’ offices.

Shopping for an iud:

  • Many gynecologists offer IUDs, so check with your regular doctor. Or, check with Planned Parenthood [5 ] or other local health clinics. The U.S. Department of Health and Human Services [6 ] offers a clinic locator by city or zip code.
  • IUDs are recommended for women in monogamous relationships — contracting a sexually transmitted disease while using an IUD can cause scarring and lead to infertility — and who have had at least one child. It also can be used by women who have not had children, but they are more likely to expel it; as many as 10 percent of women who get an IUD expel it in the first year.
  • According to the U.S. Food and Drug Administration [7 ]. risks include: cramps, bleeding, pelvic inflammatory disease, developing a tear or hole in the uterus, lowered sex drive and menstrual changes.

Material on this page is for informational purposes only and should not be construed as medical advice. Always consult your physician or pharmacist regarding medications or medical procedures.


Forms and Types of Business Entities – Choosing a Business Entity #business

#types of business

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Business Entity Types

To get the most out of your small business, choose the right structure. Selecting the right type of company or corporation for your new business helps maximize your chances of financial and operational success.

Common types of business structures and corporations include C corporations, limited liability companies (LLC), partnerships, S corporations, and sole proprietorships. Learn more about each type of business or corporation:

Limited Liability Companies (LLCs)

  • Independent legal structures separate from their owners.
  • Help separate your personal assets from your business debts.
  • Taxed similarly to a sole proprietorship (if one owner) or a partnership (if multiple owners).
  • No limit to the number of owners.
  • Not required to hold annual meetings or record minutes.
  • Governed by operating agreements.

C Corporations

  • Independent legal and tax structures separate from their owners.
  • Help separate your personal assets from your business debts.
  • No limit to the number of shareholders.
  • Taxed on corporate profits and shareholder dividends.
  • Must hold annual meetings and record meeting minutes.

S Corporations

  • Independent legal and tax structures separate from their owners.
  • Help separate your personal assets from your business debts.
  • Owners report their share of profit and loss in the company on their personal tax returns.
  • Limits on number of shareholders, who must be U.S. citizens or residents.
  • Must hold annual meetings and record meeting minutes.

Partnerships

  • Partners remain personally liable for lawsuits filed against the business.
  • Usually no state filing required to form a partnership.
  • Easy to form and operate.
  • Owners report their share of profit and loss in the company on their personal tax returns.

Sole Proprietorships

  • Owner remains personally liable for lawsuits filed against the business.
  • No state filing required to form a sole proprietorship.
  • Easy to form and operate.
  • Owner reports business profit and loss on their personal tax return.

Review our Business Comparison Chart for more details. Regardless of business structure you choose, incorporate.com can help you incorporate or form an LLC online or by phone for less than the cost of using an attorney.

Ready to Form a Business? Get Started





Forms and Types of Business Entities – Choosing a Business Entity #small

#types of business

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Business Entity Types

To get the most out of your small business, choose the right structure. Selecting the right type of company or corporation for your new business helps maximize your chances of financial and operational success.

Common types of business structures and corporations include C corporations, limited liability companies (LLC), partnerships, S corporations, and sole proprietorships. Learn more about each type of business or corporation:

Limited Liability Companies (LLCs)

  • Independent legal structures separate from their owners.
  • Help separate your personal assets from your business debts.
  • Taxed similarly to a sole proprietorship (if one owner) or a partnership (if multiple owners).
  • No limit to the number of owners.
  • Not required to hold annual meetings or record minutes.
  • Governed by operating agreements.

C Corporations

  • Independent legal and tax structures separate from their owners.
  • Help separate your personal assets from your business debts.
  • No limit to the number of shareholders.
  • Taxed on corporate profits and shareholder dividends.
  • Must hold annual meetings and record meeting minutes.

S Corporations

  • Independent legal and tax structures separate from their owners.
  • Help separate your personal assets from your business debts.
  • Owners report their share of profit and loss in the company on their personal tax returns.
  • Limits on number of shareholders, who must be U.S. citizens or residents.
  • Must hold annual meetings and record meeting minutes.

Partnerships

  • Partners remain personally liable for lawsuits filed against the business.
  • Usually no state filing required to form a partnership.
  • Easy to form and operate.
  • Owners report their share of profit and loss in the company on their personal tax returns.

Sole Proprietorships

  • Owner remains personally liable for lawsuits filed against the business.
  • No state filing required to form a sole proprietorship.
  • Easy to form and operate.
  • Owner reports business profit and loss on their personal tax return.

Review our Business Comparison Chart for more details. Regardless of business structure you choose, incorporate.com can help you incorporate or form an LLC online or by phone for less than the cost of using an attorney.

Ready to Form a Business? Get Started





What Is Common Stock and What Is Preferred Stock? Stock Types and

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What Is Common Stock and What Is Preferred Stock? Stock Types and Their Differences Explained

NEW YORK (TheStreet ) — When you step into the investing jungle, what will you find there? Lions (stocks) and tigers (bonds) and bears (cash), for sure. But they’re not as scary as you think.

These three are the main investment classes, but the one we’ll be tracking exclusively in this guide is the king of the jungle: stocks.

You may have heard stocks referred to as equities or securities. The reason they’re called equities is that you purchase an equity, or ownership, share of a company. Stock is also called a security for the same reason, because you’re securing a share of ownership in the company. That’s right; you’ll be a business owner just like you’ve always dreamed!

But, as you know from everyday life, there are terrifically run businesses and there are businesses that make you say, “I’ll never go back there again!” How do you know the difference before you buy the stock? That’s what this guided tour will be teaching you.

So when you buy stock, you become part owner of the company — maybe only a very small part, but still an owner. The size of the part you own, by the way, is irrelevant to your personal objectives.

We won’t cover bonds in this guide, but it’s important for you to know that they’re out there in the investing jungle. When you buy a bond, you don’t become part owner of a company — you’re the bank! You lend the company, or others, money. When companies, counties, municipalities or the U.S. government need to raise money, but not raise taxes or prices, they have bond offerings.

Bonds are loans, with a maturity date, and a percentage rate, promised to you, the Bank of I.O.U. The maturity date and set percentage rates can make bonds an attractive investment as part of a stabilizing influence in your investment portfolio. But you don’t want just bonds in your portfolio — over the long haul, stocks outperform bonds. If you want to purchase and own bonds, it’s very important to have quality bonds in your portfolio. If you want to continue to learn about bonds, see “Why Buy Bonds?”

When financial advisers suggest you diversify, or vary your investments, they’re advising you to spread out any potential risk, or decline, in your investment portfolio. Your investment portfolio is a collection of all of your investments, which could include assets from each of these three classes.

It’s like a nutritionist telling you to eat a little bit of each type of food to maximize your health. A balance of green vegetables, lean meats, dairy products and whole grain breads keep you physically and mentally healthy. Likewise, you want to invest your money in a variety of assets in your portfolio: stocks, bonds and cash products. Cash investments include products such as certificates of deposit (CDs) and money market mutual funds that keep you financially healthy.

Ready then? Get out your compass.





Types of MS and MS Treatment Options #multiple #sclerosis, #ms #types, #relapsing


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Patients usually experience a first neurologic event suggestive of MS known as Clinically Isolated Syndrome (CIS). It lasts for at least 24 hours, with symptoms and signs indicating either a single lesion (monofocal) or more than one lesion (multifocal) within the central nervous system. 1

There are 4 types of MS. They’re named according to the way the disease acts on the body over time. 2

The 4 Types of MS

  • Relapsing-Remitting MS (RRMS). This is the most common form of multiple sclerosis. About 85% of people with MS are initially diagnosed with RRMS. People with RRMS have temporary periods called relapses, flare-ups or exacerbations, when new symptoms appear 2
  • Secondary-Progressive MS (SPMS). In SPMS, symptoms worsen more steadily over time, with or without the occurrence of relapses and remissions. Most people who are diagnosed with RRMS will transition to SPMS at some point 3
  • Primary-Progressive MS (PPMS). This type of MS is not very common, occurring in about 10% of people with MS. PPMS is characterized by slowly worsening symptoms from the beginning, with no relapses or remissions 2
  • Progressive-Relapsing MS (PRMS). A rare form of MS (5%), PRMS is characterized by a steadily worsening disease state from the beginning, with acute relapses but no remissions, with or without recovery 2

The Importance of Early Treatment

If you are diagnosed with MS or a first-time MS event, you should consider talking about starting treatment as soon as possible with your healthcare team. Researchers have found that MS often causes more damage in the first year than in later years. 4

MS Treatment Options 5

There are various MS treatment options available today that have been shown to decrease the frequency of relapses and to delay disease progression. There are several ways that these treatment options can be taken. Some treatments use an injection—either subcutaneous (under the skin) or intramuscular (into the muscle) while others are given intravenously (via an infusion) or orally (by mouth).

  • Beta interferons are injectable medications used for the treatment of relapsing-remitting MS. Certain beta interferon products also may be used for a first clinical episode with MRI findings consistent with MS. Depending on the medication, injections for beta interferons can be either subcutaneous or intramuscular and dosing can vary from every other day to once a week
  • Glatiramer acetate is given by subcutaneous injection every day for the treatment of relapsing-remitting MS. It is also used for patients who have experienced a first clinical episode and have MRI findings consistent with MS
  • Fingolimod is a once-daily oral capsule indicated for the treatment of relapsing forms of MS to reduce the frequency of clinical exacerbations and to delay the accumulation of physical disability
  • Teriflunomide is a once-daily oral tablet used for the treatment of patients with relapsing forms of multiple sclerosis
  • Dimethyl fumarate is an oral capsule taken twice a day that is used to treat people with relapsing forms of MS
  • Mitoxantrone is a chemotherapeutic agent for the treatment of worsening relapsing-remitting MS, progressive-relapsing MS or secondary-progressive MS, and is used to reduce neurologic disability and/or the frequency of clinical exacerbations. It is administered intravenously by an infusion once every three months
  • Natalizumab is an intravenous medication reserved for patients with rapidly progressing MS or with high disease activity despite the use of an alternate MS therapy. It is administered once every four weeks
References:
  1. Kappos L, Polman CH. Freedman MS, et al. Treatment with interferon beta-1b delays conversion to clinically definite and McDonald MS in patients with clinically isolated syndromes. Neurology. 2006; 67: 1242-1249.
  2. Hooper K. Managing Progressive MS. New York, NY: National Multiple Sclerosis Society; 2011.
  3. Multiple Sclerosis: Just the Facts New York, NY; National Multiple Sclerosis Society;2011.
  4. Kuhlmann T, Lingfield G, Bitsch A, Schuchardt J, Bruck W. Acute axonal damage in multiple sclerosis is most extensive in early disease stages and decreases over time. Brain. 2002;125:2202-2212.
  5. National Multiple Sclerosis Society. The MS Disease – Modifying Medications. New York, NY: National Multiple Sclerosis Society; 2012.

MS RESOURCES


Bariatric Surgery Revisions Houston, TX #types #bariatric #surgery


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Home Bariatric Surgery Revisions

Bariatric Surgery Revisions in Houston, TX

More than one bariatric procedure may be needed to provide patients with the results they desire. Complications can sometimes arise as well, leading to the need for additional surgeries. Located in Cypress, board certified general surgeon Dr. Matthew St. Laurent provides bariatric surgery revisions for his patients in and around The Woodlands and Houston, TX.

What Are Bariatric Surgery Revisions?

Bariatric surgery revisions involve a second procedure to resolve certain issues such as weight regain or complications with a previous operation. Some patients may also stop experiencing results some time after an initial bariatric surgery and require a second procedure to continue losing weight.

Several types of revision surgeries are available, a few of which include the following:

  • Gastric bypass revision
  • LAP-BAND® revision
  • Gastric sleeve revision
  • Vertical banded gastroplasty revision
  • Molina band revision

Benefits of Bariatric Surgery Revisions

  • Can reverse weight regain
  • May eliminate complications arising from the initial surgery
  • Can provide a fresh start to weight loss for those who have reached a plateau after a previous surgery

These before and after photographs show bariatric patients who opted for a revision for one reason or another. Your results may be different based on the reason for your revision and the type of procedure you have.

How Are Bariatric Revisions Performed?

The exact procedure will depend on the type of revision Dr. St. Laurent recommends. A few of the different procedures he might perform are as follows:

  • Using an endoscope, or flexible tube with a camera on the end, to help reduce an enlarged pouch after gastric bypass surgery
  • Removing a LAP-BAND®
  • Performing a “re-sleeve” to reduce a stretched stomach after gastric sleeve surgery
  • Converting to gastric bypass or duodenal switch surgery from gastric sleeve

Preparing for Bariatric Revision Surgery

Before recommending a follow-up procedure, you will undergo an upper endoscopy to evaluate your previous surgical anatomy. Afterward, Dr. St. Laurent will discuss any issues you have in order to recommend the best course of action. He will also discuss your lifestyle and eating habits to determine if modifications could be made that would eliminate the need for a second operation.

Should he decide that a follow-up procedure is in order, he will then give you pre-operative instructions to follow. These may include the following:

  • Quitting smoking
  • Modifying your diet
  • Eliminating certain medications

Bariatric Surgery Revision Recovery

Some patients may require a slightly longer hospital stay than they experienced after their initial procedure due to the more difficult nature of these procedures. Even so, most people are able to return home in only a few days, provided they are able to tolerate their postoperative diet and walk short distances. After revision surgery, you may need to have help getting around your home or performing household chores. You can gradually increase your activity level until you are performing normally, which typically takes around six to eight weeks.

If gastric bypass fails, a patient has several options:


Types of Bank Accounts in India – Current Accounts, t Saving Bank,


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Traditionally banks in India have four types of deposit accounts, namely Current Accounts, Saving Banking Accounts, Recurring Deposits and, Fixed Deposits. However, in recent years, due to ever increasing competition, some banks have introduced new products, which combine the features of above two or more types of deposit accounts. These are known by different names in different banks, e.g 2-in-1 deposits, Smart Deposits, Power Saving Deposits, Automatic Sweep Deposits etc. However, these have not been very popular among the public.

What is a Current Account. Who uses current accounts? Current Accounts in Banks

Current Accounts are basically meant for businessmen and are never used for the purpose of investment or savings. These deposits are the most liquid deposits and there are no limits for number of transactions or the amount of transactions in a day. Most of the current account are opened in the names of firm / company accounts. Cheque book facility is provided and the account holder can deposit all types of the cheques and drafts in their name or endorsed in their favour by third parties. No interest is paid by banks on these accounts. On the other hand, banks charges certain service charges, on such accounts.

Features of Current Accounts :

(a) The main objective of Current Account holders in opening these account is to enable them (mostly businessmen) to conduct their business transactions smoothly.

(b) There are no restrictions on the number of times deposit in cash / cheque can be made or the amount of such deposits;

(c) Usually banks do not have any interest on such current accounts. However, in recent times some banks have introduced special current accounts where interest (as per banks’ own guidelines) is paid

(d) The current accounts do not have any fixed maturity as these are on continuous basis accounts

What is a Savings Bank Account. Who uses Saving Bank Accounts ?

These deposits accounts are one of the most popular deposits for individual accounts. These accounts not only provide cheque facility but also have lot of flexibility for deposits and withdrawal of funds from the account. Most of the banks have rules for the maximum number of withdrawals in a period and the maximum amount of withdrawal, but hardly any bank enforces these. However, banks have every right to enforce such restrictions if it is felt that the account is being misused as a current account. Till 24/10/2011, the interest on Saving Bank Accounts was regulared by RBI and it was fixed at 4.00% on daily balance basis. However, wef 25th October, 2011, RBI has deregulated Saving Fund account interest rates and now banks are free to decide the same within certain conditions imposed by RBI. Under directions of RBI, now banks are also required to open no frill accounts (this term is used for accounts which do not have any minimum balance requirements). Although Public Sector Banks still pay only 4% rate of interest, some private banks like Kotak Bank and Yes Bank pay between 6% and 7% on such deposits. From the FY 2012-13, interest earned upto Rs 10,000 in a financial year on Saving Bank accounts is exempted from tax.

What are Recurring Deposit Accounts. Who use Recurring Deposit Accounts. or RD accounts

These are popularly known as RD accounts and are special kind of Term Deposits and are suitable for people who do not have lump sum amount of savings, but are ready to save a small amount every month. Normally, such deposits earn interest on the amount already deposited (through monthly installments) at the same rates as are applicable for Fixed Deposits / Term Deposits. These are best if you wish to create a fund for your child’s education or marriage of your daughter or buy a car without loans or save for the future.

Under these type of deposits, the person has to usually deposit a fixed amount of money every month (usually a minimum of Rs,100/- p.m.). Any default in payment within the month attracts a small penalty. However, some Banks besides offering a fixed installment RD, have also introduced a flexible / variable RD. Under these flexible RDs the person is allowed to deposit even higher amount of installments, with an upper limit fixed for the same e.g. 10 times of the minimum amount agreed upon.

These accounts can be funded by giving Standing Instructions by which bank withdraws a fixed amount on a fixed date of the month from the saving bank of the customer (as per his mandate), and the same is credited to RD account.

Recurring Deposit accounts are normally allowed for maturities ranging from 6 months to 120 months. A Pass book is usually issued wherein the person can get the entries for all the deposits made by him / her and the interest earned. Banks also indicate the maturity value of the RD assuming that the monthly instalents will be paid regularly on due dates. In case instalment is delayed, the interest payable in the account will be reduced and some nominal penalty charged for default in regular payments. Premature withdrawal of accumulated amount permitted is usually allowed (however, penalty may be imposed for early withdrawals). These accounts can be opened in single or joint names. Nomination facility is also available.

The RD interest rates paid by banks in India are usually the same as payable on Fixed Deposits, except when specific rates on FDs are paid for particular number of days e.g. 500 days, 555 days, 1111 days etc i.e. these are not ending in a quarter.

What are Fixed Deposit Accounts in India or Term Deposits

All Banks in India (including SBI, PNB, BoB, BoI, Canara Bank, ICICI Bank, Yes Bank etc.) offer fixed deposits schemes with a wide range of tenures for periods from 7 days to 10 years. These are also popularly known as FD accounts. However, in some other countries these are known as Term Deposits or even called Bond . The term fixed in Fixed Deposits (FD) denotes the period of maturity or tenor. Therefore, the depositors are supposed to continue such Fixed Deposits for the length of time for which the depositor decides to keep the money with the bank. However, in case of need, the depositor can ask for closing (or breaking) the fixed deposit prematurely by paying paying a penalty (usually of 1%, but some banks either charge less or no penalty). (Some banks introduced variable interest fixed deposits. The rate of interest on such deposits keeps on varying with the prevalent market rates i.e. it will go up if market interest rates goes and it will come down if the market rates fall. However, such type of fixed deposits have not been popular till date).

The rate of interest for Fixed Deposits differs from bank to bank (unlike earlier when the same were regulated by RBI and all banks used to have the same interest rate structure. The present trends indicate that private sector and foreign banks offer higher rate of interest.

The earlier trend that private sector and foreign banks offer higher rate of interest is no more valid these days. However, now a days small banks are forced to offer higher rate of interest to attract more deposits. Usually a bank FD is paid in lump sum on the date of maturity. However, most of the banks have also facility to pay/ credit interest in saving account at the end of every quarter. If one desires to get interest paid every month, then the interest paid will be at a marginal discounted rate. In the changed computerized environment, now the Interest payable on Fixed Deposit can also be easily transferred on due dates to Savings Bank or Current Account of the customer.


5 Different Types Of Businesses #business #printing

#types of business

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5 Different Types Of Businesses

1

Sole proprietor

Definition:A sole proprietorship is a business that is owned and operated by a natural person (individual). This is the simplest form of business entity. The sole proprietorship is not a legal entity. The business has no existence separate from the owner who is called the proprietor. SARS

Typical sole traders include the man-in-a-van type of occupation such as a plumber or electrician. However, the term can also apply to people who run small, web-based businesses from home.

This is the simplest and the most common type of business out there. The sole proprietor is responsible for everything the business does. You trade under your own name, with no separation of assets and liabilities. This means that you’ll be held personally liable for any debts that the business incurs.

2

Partnership

Definition:A partnership is the relationship existing between two or more persons who join to carry on a trade or business. Each person contributes money, property, labour or skill, and expects to share in the profits and losses of the business. IRS

Partnerships are typically found in professional services such as accountants, lawyers, doctors, dentists etc, where the partners can share expertise and skills. They can also share the workload, organising work rotas to allow for time off and holidays. Partnerships comprise two or more people and any profits, debts and decisions related to the business are shared.

3

Company

Definition:A company is a legal entity made up of an association of persons, be they natural, legal, or a mixture of both, for carrying on a commercial or industrial enterprise. Wikipedia

Companies are owned by shareholders who each put an amount of money into a central pool. This pool of capital is then added to by borrowing and other forms of finance. Directors run the company on behalf of shareholders, who receive a share of the profits. Each shareholder receives a portion – or share – of the company that is equivalent to what they put in.

A company is seen as a legal entity that is entirely separate from the shareholders.

4

Franchise

Definition:A franchise in its’ simplest form is an agreement or license entered into by two parties, the franchisor and the franchisee. Which Franchise

Franchises are licensing arrangements whereby an individual or group can buy the right to trade and produce under a well-known brand name in a given locality. A franchise involves you using another company’s successful business model – and name – to establish your own business. The franchisee benefits from working for themselves while having the privilege and reputation associated with a much larger group.

Find more information on franchise businesses in South Africa here .

5

Limited liability

Definition:Limited liability is a type of liability that does not exceed the amount invested in a partnership or limited liability company. The limited liability feature is one of the biggest advantages of investing in publicly listed companies. Investopedia

Limited liabilities are intended to benefit professional partnerships such as lawyers, doctors etc. They offer a form of business protection for company shareholders and some limited partners. For these individuals, the maximum sum they can lose from a business venture that goes under, is the sum of money that they invested in the company.

Limited liability allows the members to limit their personal liability if something goes wrong with the business.

Check the Availability of a Company Name with CIPC. Find out more here .

Alison Job holds a BA English, Communications and has extensive experience in writing that spans news broadcasting, public relations and corporate and consumer publishing. Find her at Google+ .





Types of Business Degrees – Campus – online business management degrees –

#business degrees

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Types of Business Degrees: From Marketing to Business Administration

As our economy becomes increasingly specialized and reliant on technology, degrees in business are quickly eclipsing liberal arts as the “do anything’” degree. With their focus on building relationships, innovation, and improving the bottom line, employers tend to view business degree holders as individuals who are ready to contribute to their organization and fulfill an array of roles, especially those at the management level. Adding a business degree to your credentials might help you move into higher levels of management or switch your career trajectory altogether. Learn more about the types of business degrees available to find out which direction in your business education is the best course to take.

Business Degree Levels

Business degrees are provided at all levels of post-secondary education, from certificate programs through a Doctorate of Business Administration (DBA). Due to the broad variety, admission requirements can differ greatly. Certificate programs usually last less than two years and are open for individuals at both the undergraduate and graduate level. Two-year associate’s degree and four-year bachelor’s degree programs in business typically ask applicants to have a high school diploma or GED. Some undergraduate programs may also require standardized test scores, such as the SAT or ACT.

Both Master of Business Administration (MBA) and DBA schools require a four-year degree and might ask applicants to submit GRE scores. While most graduate business programs accept applicants from numerous undergraduate majors, students are often expected to have acquired a few years of real-world business experience prior to applying. Depending on the school, some doctoral programs may also require candidates to have first earned a master’s degree. MBA degrees usually take two years to complete, whereas DBA programs can take 3-4 years, but the exact timeline will vary by program.

Business Degree Concentrations

In addition to the traditional business majors of business administration or business management, business degrees are also offered in a variety of specialized disciplines as separate majors within the business college, such as majors in finance, accounting or entrepreneurship. Additionally, many programs include concentrations within business administration programs, such as an MBA with an emphasis in human resources management, where students can take classes that will better help them in the particular field where the student would like to work. These types of programs have the benefit of providing not only a solid business foundation, but also a career-focused curriculum in a specific discipline within business. Among some of the more popular specialized business areas are:

  • Accounting
  • Entrepreneurship
  • Finance
  • Healthcare management
  • Human resources management
  • Information systems management
  • International business
  • Marketing
  • Public administration

Business Degree Course Formats

While traditional programs are still popular, larger numbers of schools are offering degrees in business administration with flexible scheduling. Business schools are reshaping their programs to accommodate working individuals in meeting their education goals. Options include part-time and accelerated programs; online business administration degree programs; hybrid programs, where some courses are online and some are on campus; and weekend and evening programs, which meet at times that are convenient for the busy adult.

Marketing Your New Skills

After completing your degree in business administration, the possible career paths range across multiple industries, including finance, healthcare, marketing, and IT. Salaries generally depend on education level and the demand of the field, with roles at the managerial level typically commanding the highest income. As such, supervisory positions tend to be competitive and usually require extensive work experience in addition to strong academic credentials. In 2011, the median annual salary for the following careers were as follows:

With the many types of business degrees offered by universities today, there are a number of options available to assist you in taking the next step in your career, regardless of your desired industry. Whether you are hoping to enroll in a full-time, on campus program to help kick start your education or are hoping to earn a part-time, online business management degree to move into a supervisory role, there is a business program that will fit into your lifestyle. Open yourself up to an assortment of opportunities by beginning your business education now.

Related Articles:
  1. How to Become a Business Analyst Business analysts, also known as management analysts, analyze an organization and propose ways to improve its.
  2. How Many People Earn College Degrees? Degrees, by Level of Degree and Sex of Recipient The National Center for Education Statistics (NCES).




What Is Common Stock and What Is Preferred Stock? Stock Types and

#investing in stocks

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What Is Common Stock and What Is Preferred Stock? Stock Types and Their Differences Explained

NEW YORK (TheStreet ) — When you step into the investing jungle, what will you find there? Lions (stocks) and tigers (bonds) and bears (cash), for sure. But they’re not as scary as you think.

These three are the main investment classes, but the one we’ll be tracking exclusively in this guide is the king of the jungle: stocks.

You may have heard stocks referred to as equities or securities. The reason they’re called equities is that you purchase an equity, or ownership, share of a company. Stock is also called a security for the same reason, because you’re securing a share of ownership in the company. That’s right; you’ll be a business owner just like you’ve always dreamed!

But, as you know from everyday life, there are terrifically run businesses and there are businesses that make you say, “I’ll never go back there again!” How do you know the difference before you buy the stock? That’s what this guided tour will be teaching you.

So when you buy stock, you become part owner of the company — maybe only a very small part, but still an owner. The size of the part you own, by the way, is irrelevant to your personal objectives.

We won’t cover bonds in this guide, but it’s important for you to know that they’re out there in the investing jungle. When you buy a bond, you don’t become part owner of a company — you’re the bank! You lend the company, or others, money. When companies, counties, municipalities or the U.S. government need to raise money, but not raise taxes or prices, they have bond offerings.

Bonds are loans, with a maturity date, and a percentage rate, promised to you, the Bank of I.O.U. The maturity date and set percentage rates can make bonds an attractive investment as part of a stabilizing influence in your investment portfolio. But you don’t want just bonds in your portfolio — over the long haul, stocks outperform bonds. If you want to purchase and own bonds, it’s very important to have quality bonds in your portfolio. If you want to continue to learn about bonds, see “Why Buy Bonds?”

When financial advisers suggest you diversify, or vary your investments, they’re advising you to spread out any potential risk, or decline, in your investment portfolio. Your investment portfolio is a collection of all of your investments, which could include assets from each of these three classes.

It’s like a nutritionist telling you to eat a little bit of each type of food to maximize your health. A balance of green vegetables, lean meats, dairy products and whole grain breads keep you physically and mentally healthy. Likewise, you want to invest your money in a variety of assets in your portfolio: stocks, bonds and cash products. Cash investments include products such as certificates of deposit (CDs) and money market mutual funds that keep you financially healthy.

Ready then? Get out your compass.





Two Types of Investments in a Small Business #business #card #holders

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The Two Types of Investments You Can Make In a Small Business

Equity and Debt Are The Choices on the Small Business Investment Menu

When you make a small business investment, you have two choices: Do you take equity (an ownership stake) or debt (lend money in exchange for interest income and future repayment)? Both have their own advantages and disadvantages. Betsie Van Der Meer/Taxi/Getty Images

Updated August 22, 2016

Investing in a small business has always been, is currently, and most likely always will be one of the most popular ways individuals and families begin the journey to financial independence ; a way to create, nurture, and grow an asset that, when intelligently run under the right conditions, throws off surplus cash to provide not only a good standard of living, but to fund other investments. Still, it isn t uncommon, at least in nations with an entrepreneurial history such as the United States, for a small business owner to have never owned a publicly traded share of stock or a mutual fund. opting, instead, to put everything into their own restaurant, dry cleaning business, or sporting goods store.

Frequently, this small business grows to represent the most important financial resource the family owns, other than their primary residence.

In today s economic and political climate, these types of small business investments are often structured as either a limited liability company or a limited partnership. with the former being the most popular due to the fact it combines many of the best attributes of corporations and partnerships. In years past, sole proprietorships or general partnerships were more popular, which provide no protection for the owners personal assets outside of the company.

Whether you are considering investing in a small business by founding one from scratch or buying into an existing company, there are typically only two types of positions you can take: 1.) Equity, or 2.) Debt. Though there may be countless variations, all investments come back to those two foundations.

Equity Investments in Small Businesses

When you make an equity investment in a small business. you are buying an ownership stake. Equity investors provide capital, almost always in the form of cash, in exchange for a percentage of the profits and losses. The business can use this cash for a variety of things, including funding capital expenditures to expand, reducing debt, buying out other owners, building liquidity, or hiring new employees.

In some cases, the percentage of the business the investor receives is proportional to the total capital he or she provides. For example, if you kick in $100,000 in cash and other investors kick in $900,000, totaling $1,000,000, you might expect 10% of any profits or losses because you provided 1/10th of the total money. In other cases, especially when dealing with an established business or one put together by a key manager, this would not be the case. Consider the investment partnerships Warren Buffett ran in his 20 s and 30 s. He had limited partners contribute nearly all of the capital, but profits were split 75% to limited partners, in proportion to their overall share of the capital, and 25% to him as the general partner, despite having put up very little of his own money. The limited partners were fine with this arrangement because Buffett was providing expertise.

An equity investment in a small business can result in the biggest gains, as well as the most risk. If expenses run higher than sales, the losses get assigned to you.

A bad quarter, or year, and you might see the company fail or even go bankrupt. However, if things go well, your returns can be enormous. Virtually all of the research on millionaires in the United States shows that the single biggest classification of millionaires are self-made business owners. If you want to rank among the top 1% of wealth. owning a profitable business in a niche market that churns out dividends each year is your best chance, statistically.

Debt Investments in Small Businesses

When you make a debt investment in a small business, you loan it money in exchange for the promise of interest income and eventual repayment of the principal. Debt capital is most often provided either in the form of direct loans with regular amortization or the purchase of bonds issued by the business. which provide semi-annual interest payments mailed to the bondholder.

The biggest advantage of debt is that it has a privileged place in the capitalization structure. That means if the company goes bust, the debt has priority over the stockholders (the equity investors). Generally speaking, the highest level of debt is a first mortgage secured bond that has a lien on a specific piece of valuable property or an asset, such as a brand name. For example, if you loan money to an ice cream shop and are given a lien on the real estate and building, you can foreclose upon it in the event the company implodes. It may take time, effort, and money, but you should be able to recover whatever net proceeds you can get from the sale of the underlying property that you confiscate. The lowest level of debt is known as a debenture, which is a debt not secured by any specific asset but, rather, but the company s good name and credit.

Which Is Better: An Equity Investment or a Debt Investment?

There is no simple answer to this question. If you had been an early investor in McDonald s and bought equity, you d be rich. If you had bought bonds, making a debt investment, you would have earned a decent, but by no means spectacular, return on your money. On the other hand, if you buy into a business that fails, your best chance to escape unscathed is to own the debt, not the equity.

All of this is complicated by an observation that famed value investor Benjamin Graham made in his seminal work, Security Analysis. Namely, that equity in a business that is debt-free cannot pose any greater risk than a debt investment in the same firm because, in both cases, the person would be first in line in the capitalization structure.

The Preferred Equity Debt Hybrid

Sometimes, small business investments straddle the ground between equity investments and debt investments, modeling preferred stock. Far from offering the best of both worlds, preferred stock seems to combine the worst features of both equity and debt; namely, the limited upside potential of debt, with the lower capitalization rank of equity. There are always exceptions to the rule.





The Most Profitable Types of Small Businesses #business #cards #online

#most successful small businesses

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The Most Profitable Types of Small Businesses

If you re aiming for a lucrative business idea, it may be time to brush up on your number-crunching skills.

Accounting services topped the list of the top 15 small-business sectors by net profit margin over the last 12 months, according to Sageworks. a financial information company. The list was compiled using a database of more than 1,000 financial statements from private companies with less than $10 million in annual revenues.

The Sageworks data found that accounting led the pack in delivering the best profit margins, but service-based businesses in health care and real estate dominated the rest of the list.

Sageworks analyst Jenna Weaver notes that a lot of these service sectors are consistently at the top of the most profitable list. Service-based industries often have very healthy bottom lines, she says. Their overhead and equipment costs are often relatively low, and much of the time, it doesn t take a lot of upfront investment to get started.

Weaver adds: Often times, in cases like consulting, accounting, and legal services, you can get started right inside of your house, without even worrying about renting a space.

Check out the top 15 industries with the best net profit margins during the 12-month period ending July 31, 2014. For aspiring entrepreneurs, this may be the best place to start when considering new business ideas. (Note: Net profit margin has been adjusted to exclude taxes and include owner compensation in excess of their market-rate salaries.)

Credit: Sageworks, a financial information company (www.sageworks.com )

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Types of Business Degrees – Campus – online business management degrees –

#business degrees

#

Types of Business Degrees: From Marketing to Business Administration

As our economy becomes increasingly specialized and reliant on technology, degrees in business are quickly eclipsing liberal arts as the “do anything’” degree. With their focus on building relationships, innovation, and improving the bottom line, employers tend to view business degree holders as individuals who are ready to contribute to their organization and fulfill an array of roles, especially those at the management level. Adding a business degree to your credentials might help you move into higher levels of management or switch your career trajectory altogether. Learn more about the types of business degrees available to find out which direction in your business education is the best course to take.

Business Degree Levels

Business degrees are provided at all levels of post-secondary education, from certificate programs through a Doctorate of Business Administration (DBA). Due to the broad variety, admission requirements can differ greatly. Certificate programs usually last less than two years and are open for individuals at both the undergraduate and graduate level. Two-year associate’s degree and four-year bachelor’s degree programs in business typically ask applicants to have a high school diploma or GED. Some undergraduate programs may also require standardized test scores, such as the SAT or ACT.

Both Master of Business Administration (MBA) and DBA schools require a four-year degree and might ask applicants to submit GRE scores. While most graduate business programs accept applicants from numerous undergraduate majors, students are often expected to have acquired a few years of real-world business experience prior to applying. Depending on the school, some doctoral programs may also require candidates to have first earned a master’s degree. MBA degrees usually take two years to complete, whereas DBA programs can take 3-4 years, but the exact timeline will vary by program.

Business Degree Concentrations

In addition to the traditional business majors of business administration or business management, business degrees are also offered in a variety of specialized disciplines as separate majors within the business college, such as majors in finance, accounting or entrepreneurship. Additionally, many programs include concentrations within business administration programs, such as an MBA with an emphasis in human resources management, where students can take classes that will better help them in the particular field where the student would like to work. These types of programs have the benefit of providing not only a solid business foundation, but also a career-focused curriculum in a specific discipline within business. Among some of the more popular specialized business areas are:

  • Accounting
  • Entrepreneurship
  • Finance
  • Healthcare management
  • Human resources management
  • Information systems management
  • International business
  • Marketing
  • Public administration

Business Degree Course Formats

While traditional programs are still popular, larger numbers of schools are offering degrees in business administration with flexible scheduling. Business schools are reshaping their programs to accommodate working individuals in meeting their education goals. Options include part-time and accelerated programs; online business administration degree programs; hybrid programs, where some courses are online and some are on campus; and weekend and evening programs, which meet at times that are convenient for the busy adult.

Marketing Your New Skills

After completing your degree in business administration, the possible career paths range across multiple industries, including finance, healthcare, marketing, and IT. Salaries generally depend on education level and the demand of the field, with roles at the managerial level typically commanding the highest income. As such, supervisory positions tend to be competitive and usually require extensive work experience in addition to strong academic credentials. In 2011, the median annual salary for the following careers were as follows:

With the many types of business degrees offered by universities today, there are a number of options available to assist you in taking the next step in your career, regardless of your desired industry. Whether you are hoping to enroll in a full-time, on campus program to help kick start your education or are hoping to earn a part-time, online business management degree to move into a supervisory role, there is a business program that will fit into your lifestyle. Open yourself up to an assortment of opportunities by beginning your business education now.

Related Articles:
  1. How to Become a Business Analyst Business analysts, also known as management analysts, analyze an organization and propose ways to improve its.
  2. How Many People Earn College Degrees? Degrees, by Level of Degree and Sex of Recipient The National Center for Education Statistics (NCES).




5 Different Types Of Businesses #home #business

#types of business

#

5 Different Types Of Businesses

1

Sole proprietor

Definition:A sole proprietorship is a business that is owned and operated by a natural person (individual). This is the simplest form of business entity. The sole proprietorship is not a legal entity. The business has no existence separate from the owner who is called the proprietor. SARS

Typical sole traders include the man-in-a-van type of occupation such as a plumber or electrician. However, the term can also apply to people who run small, web-based businesses from home.

This is the simplest and the most common type of business out there. The sole proprietor is responsible for everything the business does. You trade under your own name, with no separation of assets and liabilities. This means that you’ll be held personally liable for any debts that the business incurs.

2

Partnership

Definition:A partnership is the relationship existing between two or more persons who join to carry on a trade or business. Each person contributes money, property, labour or skill, and expects to share in the profits and losses of the business. IRS

Partnerships are typically found in professional services such as accountants, lawyers, doctors, dentists etc, where the partners can share expertise and skills. They can also share the workload, organising work rotas to allow for time off and holidays. Partnerships comprise two or more people and any profits, debts and decisions related to the business are shared.

3

Company

Definition:A company is a legal entity made up of an association of persons, be they natural, legal, or a mixture of both, for carrying on a commercial or industrial enterprise. Wikipedia

Companies are owned by shareholders who each put an amount of money into a central pool. This pool of capital is then added to by borrowing and other forms of finance. Directors run the company on behalf of shareholders, who receive a share of the profits. Each shareholder receives a portion – or share – of the company that is equivalent to what they put in.

A company is seen as a legal entity that is entirely separate from the shareholders.

4

Franchise

Definition:A franchise in its’ simplest form is an agreement or license entered into by two parties, the franchisor and the franchisee. Which Franchise

Franchises are licensing arrangements whereby an individual or group can buy the right to trade and produce under a well-known brand name in a given locality. A franchise involves you using another company’s successful business model – and name – to establish your own business. The franchisee benefits from working for themselves while having the privilege and reputation associated with a much larger group.

Find more information on franchise businesses in South Africa here .

5

Limited liability

Definition:Limited liability is a type of liability that does not exceed the amount invested in a partnership or limited liability company. The limited liability feature is one of the biggest advantages of investing in publicly listed companies. Investopedia

Limited liabilities are intended to benefit professional partnerships such as lawyers, doctors etc. They offer a form of business protection for company shareholders and some limited partners. For these individuals, the maximum sum they can lose from a business venture that goes under, is the sum of money that they invested in the company.

Limited liability allows the members to limit their personal liability if something goes wrong with the business.

Check the Availability of a Company Name with CIPC. Find out more here .

Alison Job holds a BA English, Communications and has extensive experience in writing that spans news broadcasting, public relations and corporate and consumer publishing. Find her at Google+ .





Forms and Types of Business Entities – Choosing a Business Entity #business

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Business Entity Types

To get the most out of your small business, choose the right structure. Selecting the right type of company or corporation for your new business helps maximize your chances of financial and operational success.

Common types of business structures and corporations include C corporations, limited liability companies (LLC), partnerships, S corporations, and sole proprietorships. Learn more about each type of business or corporation:

Limited Liability Companies (LLCs)

  • Independent legal structures separate from their owners.
  • Help separate your personal assets from your business debts.
  • Taxed similarly to a sole proprietorship (if one owner) or a partnership (if multiple owners).
  • No limit to the number of owners.
  • Not required to hold annual meetings or record minutes.
  • Governed by operating agreements.

C Corporations

  • Independent legal and tax structures separate from their owners.
  • Help separate your personal assets from your business debts.
  • No limit to the number of shareholders.
  • Taxed on corporate profits and shareholder dividends.
  • Must hold annual meetings and record meeting minutes.

S Corporations

  • Independent legal and tax structures separate from their owners.
  • Help separate your personal assets from your business debts.
  • Owners report their share of profit and loss in the company on their personal tax returns.
  • Limits on number of shareholders, who must be U.S. citizens or residents.
  • Must hold annual meetings and record meeting minutes.

Partnerships

  • Partners remain personally liable for lawsuits filed against the business.
  • Usually no state filing required to form a partnership.
  • Easy to form and operate.
  • Owners report their share of profit and loss in the company on their personal tax returns.

Sole Proprietorships

  • Owner remains personally liable for lawsuits filed against the business.
  • No state filing required to form a sole proprietorship.
  • Easy to form and operate.
  • Owner reports business profit and loss on their personal tax return.

Review our Business Comparison Chart for more details. Regardless of business structure you choose, incorporate.com can help you incorporate or form an LLC online or by phone for less than the cost of using an attorney.

Ready to Form a Business? Get Started





Types of Business Insurance #small #business #banking

#small business insurance

#

Insurance coverage is available for every conceivable risk your business might face. Cost and amount of coverage of policies vary among insurers. You should discuss your specific business risks and the types of insurance available with your insurance agent or broker. Your agency can advise you on the exact types of insurance you should consider purchasing.

General Liability Insurance

Business owners purchase general liability insurance to cover legal hassles due to accident, injuries and claims of negligence. These policies protect against payments as the result of bodily injury, property damage, medical expenses, libel, slander, the cost of defending lawsuits, and settlement bonds or judgments required during an appeal procedure.

Product Liability Insurance

Companies that manufacture, wholesale, distribute, and retail a product may be liable for its safety. Product liability insurance protects against financial loss as a result of a defect product that causes injury or bodily harm. The amount of insurance you should purchase depends on the products you sell or manufacture. A clothing store would have far less risk than a small appliance store, for example.

Professional Liability Insurance

Business owners providing services should consider having professional liability insurance (also known as errors and omissions insurance ). This type of liability coverage protects your business against malpractice, errors, and negligence in provision of services to your customers. Depending on your profession, you may be required by your state government to carry such a policy. For example, physicians are required to purchase malpractice insurance as a condition of practicing in certain states.

Commercial Property Insurance

Property insurance covers everything related to the loss and damage of company property due to a wide-variety of events such as fire, smoke, wind and hail storms, civil disobedience and vandalism. The definition of “property” is broad, and includes lost income, business interruption, buildings, computers, company papers and money.

Property insurance policies come in two basic forms: (1) all-risk policies covering a wide-range of incidents and perils except those noted in the policy; (2) peril-specific policies that cover losses from only those perils listed in the policy. Examples of peril-specific policies include fire, flood, crime and business interruption insurance. All-risk policies generally cover risks faced by the average small business, while peril-specific policies are usually purchased when there is high risk of peril in a certain area. Consult your insurance agent or broker about the type of business property insurance best suited for your small business.

Home-Based Business Insurance

Contrary to popular belief, homeowners’ insurance policies do not generally cover home-based business losses. Depending on risks to your business, you may add riders to your homeowners’ policy to cover normal business risks such as property damage. However, homeowners’ policies only go so far in covering home-based businesses and you may need to purchase additional policies to cover other risks, such as general and professional liability.





The Most Profitable Types of Small Businesses #business #administration #degree

#most successful small businesses

#

The Most Profitable Types of Small Businesses

If you re aiming for a lucrative business idea, it may be time to brush up on your number-crunching skills.

Accounting services topped the list of the top 15 small-business sectors by net profit margin over the last 12 months, according to Sageworks. a financial information company. The list was compiled using a database of more than 1,000 financial statements from private companies with less than $10 million in annual revenues.

The Sageworks data found that accounting led the pack in delivering the best profit margins, but service-based businesses in health care and real estate dominated the rest of the list.

Sageworks analyst Jenna Weaver notes that a lot of these service sectors are consistently at the top of the most profitable list. Service-based industries often have very healthy bottom lines, she says. Their overhead and equipment costs are often relatively low, and much of the time, it doesn t take a lot of upfront investment to get started.

Weaver adds: Often times, in cases like consulting, accounting, and legal services, you can get started right inside of your house, without even worrying about renting a space.

Check out the top 15 industries with the best net profit margins during the 12-month period ending July 31, 2014. For aspiring entrepreneurs, this may be the best place to start when considering new business ideas. (Note: Net profit margin has been adjusted to exclude taxes and include owner compensation in excess of their market-rate salaries.)

Credit: Sageworks, a financial information company (www.sageworks.com )

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Types of Business Degrees – Campus – online business management degrees –

#business degrees

#

Types of Business Degrees: From Marketing to Business Administration

As our economy becomes increasingly specialized and reliant on technology, degrees in business are quickly eclipsing liberal arts as the “do anything’” degree. With their focus on building relationships, innovation, and improving the bottom line, employers tend to view business degree holders as individuals who are ready to contribute to their organization and fulfill an array of roles, especially those at the management level. Adding a business degree to your credentials might help you move into higher levels of management or switch your career trajectory altogether. Learn more about the types of business degrees available to find out which direction in your business education is the best course to take.

Business Degree Levels

Business degrees are provided at all levels of post-secondary education, from certificate programs through a Doctorate of Business Administration (DBA). Due to the broad variety, admission requirements can differ greatly. Certificate programs usually last less than two years and are open for individuals at both the undergraduate and graduate level. Two-year associate’s degree and four-year bachelor’s degree programs in business typically ask applicants to have a high school diploma or GED. Some undergraduate programs may also require standardized test scores, such as the SAT or ACT.

Both Master of Business Administration (MBA) and DBA schools require a four-year degree and might ask applicants to submit GRE scores. While most graduate business programs accept applicants from numerous undergraduate majors, students are often expected to have acquired a few years of real-world business experience prior to applying. Depending on the school, some doctoral programs may also require candidates to have first earned a master’s degree. MBA degrees usually take two years to complete, whereas DBA programs can take 3-4 years, but the exact timeline will vary by program.

Business Degree Concentrations

In addition to the traditional business majors of business administration or business management, business degrees are also offered in a variety of specialized disciplines as separate majors within the business college, such as majors in finance, accounting or entrepreneurship. Additionally, many programs include concentrations within business administration programs, such as an MBA with an emphasis in human resources management, where students can take classes that will better help them in the particular field where the student would like to work. These types of programs have the benefit of providing not only a solid business foundation, but also a career-focused curriculum in a specific discipline within business. Among some of the more popular specialized business areas are:

  • Accounting
  • Entrepreneurship
  • Finance
  • Healthcare management
  • Human resources management
  • Information systems management
  • International business
  • Marketing
  • Public administration

Business Degree Course Formats

While traditional programs are still popular, larger numbers of schools are offering degrees in business administration with flexible scheduling. Business schools are reshaping their programs to accommodate working individuals in meeting their education goals. Options include part-time and accelerated programs; online business administration degree programs; hybrid programs, where some courses are online and some are on campus; and weekend and evening programs, which meet at times that are convenient for the busy adult.

Marketing Your New Skills

After completing your degree in business administration, the possible career paths range across multiple industries, including finance, healthcare, marketing, and IT. Salaries generally depend on education level and the demand of the field, with roles at the managerial level typically commanding the highest income. As such, supervisory positions tend to be competitive and usually require extensive work experience in addition to strong academic credentials. In 2011, the median annual salary for the following careers were as follows:

With the many types of business degrees offered by universities today, there are a number of options available to assist you in taking the next step in your career, regardless of your desired industry. Whether you are hoping to enroll in a full-time, on campus program to help kick start your education or are hoping to earn a part-time, online business management degree to move into a supervisory role, there is a business program that will fit into your lifestyle. Open yourself up to an assortment of opportunities by beginning your business education now.

Related Articles:
  1. How to Become a Business Analyst Business analysts, also known as management analysts, analyze an organization and propose ways to improve its.
  2. How Many People Earn College Degrees? Degrees, by Level of Degree and Sex of Recipient The National Center for Education Statistics (NCES).




StudyFinance: Types of Business Organization #business #contracts

#types of business

#

Types of Business Organization

It is important that the business owner seriously considers the different forms of business organization types such as sole proprietorship, partnership, and corporation. Which organizational form is most appropriate can be influenced by tax issues, legal issues, financial concerns, and personal concerns. For the purpose of this overview, basic information is presented to establish a general impression of business organization.

Sole Proprietorship

A Sole Proprietorship consists of one individual doing business. Sole Proprietorships are the most numerous form of business organization in the United States, however they account for little in the way of aggregate business receipts.

  • Ease of formation and dissolution. Establishing a sole proprietorship can be as simple as printing up business cards or hanging a sign announcing the business. Taking work as a contract carpenter or freelance photographer, for example, can establish a sole proprietorship. Likewise, a sole proprietorship is equally easy to dissolve.
  • Typically, there are low start-up costs and low operational overhead.
  • Ownership of all profits.
  • Sole Proprietorships are typically subject to fewer regulations.
  • No corporate income taxes. Any income realized by a sole proprietorship is declared on the owner s individual income tax return.
  • Unlimited liability. Owners who organize their business as a sole proprietorship are personally responsible for the obligations of the business, including actions of any employee representing the business.
  • Limited life. In most cases, if a business owner dies, the business dies as well.
  • It may be difficult for an individual to raise capital. It s common for funding to be in the form of personal savings or personal loans.

The most daunting disadvantage of organizing as a sole proprietorship is the aspect of unlimited liability. An advantage of a sole proprietorship is filing taxes as an individual rather than paying corporate tax rates. Some hybrid forms of business organization may be employed to take advantage of limited liability and lower tax rates for those businesses that meet the requirements. These include S Corporations, and Limited Liability Companies (LLC s). Where S-Corps are a Federal Entity, LLC s are regulated by the various states. LLC s give the option for profits from the business to pass through to the owner s individual income tax return.

Partnership

A Partnership consists of two or more individuals in business together. Partnerships may be as small as mom and pop type operations, or as large as some of the big legal or accounting firms that may have dozens of partners. There are different types of partnerships general partnership, limited partnership, and limited liability partnership the basic differences stemming around the degree of personal liability and management control.

  • Synergy. There is clear potential for the enhancement of value resulting from two or more individuals combining strengths.
  • Partnerships are relatively easy to form, however, considerable thought should be put into developing a partnership agreement at the point of formation.
  • Partnerships may be subject to fewer regulations than corporations.
  • There is stronger potential of access to greater amounts of capital.
  • No corporate income taxes. Partnerships declare income by filing a partnership income tax return. Yet the partnership pays no taxes when this partnership tax return is filed. Rather, the individual partners declare their pro-rata share of the net income of the partnership on their individual income tax returns and pay taxes at the individual income tax rate.
  • Unlimited liability. General partners are individually responsible for the obligations of the business, creating personal risk.
  • Limited life. A partnership may end upon the withdrawal or death of a partner.
  • There is a real possibility of disputes or conflicts between partners which could lead to dissolving the partnership. This scenario enforces the need of a partnership agreement.

As pointed out, unlimited liability exists for partnerships just as for sole proprietorships. One way to alleviate this risk is through Limited Liability Partnerships (LLP s). As with LLC s, LLP s may offer some tax advantages while providing some risk protection for owners.

Corporation

Corporations are probably the dominant form of business organization in the United States. Although fewer in number, corporations account for the lion s share of aggregate business receipts in the U.S. economy. A corporation is a legal entity doing business, and is distinct from the individuals within the entity. Public corporations are owned by shareholders who elect a board of directors to oversee primary responsibilities. Along with standard, for-profit corporations, there are charitable, not-for-profit corporations.

  • Unlimited commercial life. The corporation is an entity of its own and does not dissolve when ownership changes.
  • Greater flexibility in raising capital through the sale of stock.
  • Ease of transferring ownership by selling stock.
  • Limited liability. This limited liability is probably the biggest advantage to organizing as a corporation. Individual owners in corporations have limits on their personal liability. Even if a corporation is sued for billions of dollars, individual shareholder s liability is generally limited to the value of their own stock in the corporation.
  • Regulatory restrictions. Corporations are typically more closely monitored by governmental agencies, including federal, state, and local. Complying with regulations can be costly.
  • Higher organizational and operational costs. Corporations have to file articles of incorporation with the appropriate state authorities. These legal and clerical expenses, along with other recurring operational expenses, can contribute to budgetary challenges.
  • Double taxation. The possibility of double taxation arises when companies declare and pay taxes on the net income of the corporation, which they pay through their corporate income tax returns. If the corporation also pays out dividends to individual shareholders, those shareholders must declare that dividend income as personal income and pay taxes at the individual income tax rates. Thus, the possibility of double taxation.

This overview was developed by Dr. Sharon Garrison.
No adaptation of its content is permitted without permission.





Types of Businesses and Forms of Business Organizations #business #sales

#types of business

#

A business is an organization that uses economic resources or inputs to provide goods or services to customers in exchange for money or other goods and services.

Business organizations come in different types and forms.

3 Types of Business

There are three major types of businesses:

1. Service Business

A service type of business provides intangible products (products with no physical form). Service type firms offer professional skills, expertise, advice, and other similar products.

Examples of service businesses are: schools, repair shops, hair salons, banks, accounting firms, and law firms.

2. Merchandising Business

This type of business buys products at wholesale price and sells the same at retail price. They are known as buy and sell businesses. They make profit by selling the products at prices higher than their purchase costs.

A merchandising business sells a product without changing its form. Examples are: grocery stores, convenience stores, distributors, and other resellers.

3. Manufacturing Business

Unlike a merchandising business, a manufacturing business buys products with the intention of using them as materials in making a new product. Thus, there is a transformation of the products purchased.

A manufacturing business combines raw materials, labor, and factory overhead in its production process. The manufactured goods will then be sold to customers.

Hybrid Business

Hybrid businesses are companies that may be classified in more than one type of business. A restaurant, for example, combines ingredients in making a fine meal (manufacturing), sells a cold bottle of wine (merchandising), and fills customer orders (service).

Nonetheless, these companies may be classified according to their major business interest. In that case, restaurants are more of the service type they provide dining services .

Forms of Business Organization

These are the basic forms of business ownership:

1. Sole Proprietorship

A sole proprietorship is a business owned by only one person. It is easy to set-up and is the least costly among all forms of ownership.

The owner faces unlimited liability ; meaning, the creditors of the business may go after the personal assets of the owner if the business cannot pay them.

The sole proprietorship form is usually adopted by small business entities.

2. Partnership

A partnership is a business owned by two or more persons who contribute resources into the entity. The partners divide the profits of the business among themselves.

In general partnerships, all partners have unlimited liability. In limited partnerships, creditors cannot go after the personal assets of the limited partners.

3. Corporation

A corporation is a business organization that has a separate legal personality from its owners. Ownership in a stock corporation is represented by shares of stock .

The owners (stockholders) enjoy limited liability but have limited involvement in the company’s operations. The board of directors. an elected group from the stockholders, controls the activities of the corporation.

In addition to those basic forms of business ownership, these are some other types of organizations that are common today:

Limited Liability Company

Limited liability companies (LLCs) in the USA, are hybrid forms of business that have characteristics of both a corporation and a partnership. An LLC is not incorporated; hence, it is not considered a corporation.

Nonetheless, the owners enjoy limited liability like in a corporation. An LLC may elect to be taxed as a sole proprietorship, a partnership, or a corporation.

Cooperative

A cooperative is a business organization owned by a group of individuals and is operated for their mutual benefit. The persons making up the group are called members. Cooperatives may be incorporated or unincorporated.

Some examples of cooperatives are: water and electricity (utility) cooperatives, cooperative banking, credit unions, and housing cooperatives.





5 Different Types Of Businesses #great #business #ideas

#types of business

#

5 Different Types Of Businesses

1

Sole proprietor

Definition:A sole proprietorship is a business that is owned and operated by a natural person (individual). This is the simplest form of business entity. The sole proprietorship is not a legal entity. The business has no existence separate from the owner who is called the proprietor. SARS

Typical sole traders include the man-in-a-van type of occupation such as a plumber or electrician. However, the term can also apply to people who run small, web-based businesses from home.

This is the simplest and the most common type of business out there. The sole proprietor is responsible for everything the business does. You trade under your own name, with no separation of assets and liabilities. This means that you’ll be held personally liable for any debts that the business incurs.

2

Partnership

Definition:A partnership is the relationship existing between two or more persons who join to carry on a trade or business. Each person contributes money, property, labour or skill, and expects to share in the profits and losses of the business. IRS

Partnerships are typically found in professional services such as accountants, lawyers, doctors, dentists etc, where the partners can share expertise and skills. They can also share the workload, organising work rotas to allow for time off and holidays. Partnerships comprise two or more people and any profits, debts and decisions related to the business are shared.

3

Company

Definition:A company is a legal entity made up of an association of persons, be they natural, legal, or a mixture of both, for carrying on a commercial or industrial enterprise. Wikipedia

Companies are owned by shareholders who each put an amount of money into a central pool. This pool of capital is then added to by borrowing and other forms of finance. Directors run the company on behalf of shareholders, who receive a share of the profits. Each shareholder receives a portion – or share – of the company that is equivalent to what they put in.

A company is seen as a legal entity that is entirely separate from the shareholders.

4

Franchise

Definition:A franchise in its’ simplest form is an agreement or license entered into by two parties, the franchisor and the franchisee. Which Franchise

Franchises are licensing arrangements whereby an individual or group can buy the right to trade and produce under a well-known brand name in a given locality. A franchise involves you using another company’s successful business model – and name – to establish your own business. The franchisee benefits from working for themselves while having the privilege and reputation associated with a much larger group.

Find more information on franchise businesses in South Africa here .

5

Limited liability

Definition:Limited liability is a type of liability that does not exceed the amount invested in a partnership or limited liability company. The limited liability feature is one of the biggest advantages of investing in publicly listed companies. Investopedia

Limited liabilities are intended to benefit professional partnerships such as lawyers, doctors etc. They offer a form of business protection for company shareholders and some limited partners. For these individuals, the maximum sum they can lose from a business venture that goes under, is the sum of money that they invested in the company.

Limited liability allows the members to limit their personal liability if something goes wrong with the business.

Check the Availability of a Company Name with CIPC. Find out more here .

Alison Job holds a BA English, Communications and has extensive experience in writing that spans news broadcasting, public relations and corporate and consumer publishing. Find her at Google+ .





Forms and Types of Business Entities – Choosing a Business Entity #business

#types of business

#

Business Entity Types

To get the most out of your small business, choose the right structure. Selecting the right type of company or corporation for your new business helps maximize your chances of financial and operational success.

Common types of business structures and corporations include C corporations, limited liability companies (LLC), partnerships, S corporations, and sole proprietorships. Learn more about each type of business or corporation:

Limited Liability Companies (LLCs)

  • Independent legal structures separate from their owners.
  • Help separate your personal assets from your business debts.
  • Taxed similarly to a sole proprietorship (if one owner) or a partnership (if multiple owners).
  • No limit to the number of owners.
  • Not required to hold annual meetings or record minutes.
  • Governed by operating agreements.

C Corporations

  • Independent legal and tax structures separate from their owners.
  • Help separate your personal assets from your business debts.
  • No limit to the number of shareholders.
  • Taxed on corporate profits and shareholder dividends.
  • Must hold annual meetings and record meeting minutes.

S Corporations

  • Independent legal and tax structures separate from their owners.
  • Help separate your personal assets from your business debts.
  • Owners report their share of profit and loss in the company on their personal tax returns.
  • Limits on number of shareholders, who must be U.S. citizens or residents.
  • Must hold annual meetings and record meeting minutes.

Partnerships

  • Partners remain personally liable for lawsuits filed against the business.
  • Usually no state filing required to form a partnership.
  • Easy to form and operate.
  • Owners report their share of profit and loss in the company on their personal tax returns.

Sole Proprietorships

  • Owner remains personally liable for lawsuits filed against the business.
  • No state filing required to form a sole proprietorship.
  • Easy to form and operate.
  • Owner reports business profit and loss on their personal tax return.

Review our Business Comparison Chart for more details. Regardless of business structure you choose, incorporate.com can help you incorporate or form an LLC online or by phone for less than the cost of using an attorney.

Ready to Form a Business? Get Started





Types of Business Degrees – Campus – online business management degrees –

#business degrees

#

Types of Business Degrees: From Marketing to Business Administration

As our economy becomes increasingly specialized and reliant on technology, degrees in business are quickly eclipsing liberal arts as the “do anything’” degree. With their focus on building relationships, innovation, and improving the bottom line, employers tend to view business degree holders as individuals who are ready to contribute to their organization and fulfill an array of roles, especially those at the management level. Adding a business degree to your credentials might help you move into higher levels of management or switch your career trajectory altogether. Learn more about the types of business degrees available to find out which direction in your business education is the best course to take.

Business Degree Levels

Business degrees are provided at all levels of post-secondary education, from certificate programs through a Doctorate of Business Administration (DBA). Due to the broad variety, admission requirements can differ greatly. Certificate programs usually last less than two years and are open for individuals at both the undergraduate and graduate level. Two-year associate’s degree and four-year bachelor’s degree programs in business typically ask applicants to have a high school diploma or GED. Some undergraduate programs may also require standardized test scores, such as the SAT or ACT.

Both Master of Business Administration (MBA) and DBA schools require a four-year degree and might ask applicants to submit GRE scores. While most graduate business programs accept applicants from numerous undergraduate majors, students are often expected to have acquired a few years of real-world business experience prior to applying. Depending on the school, some doctoral programs may also require candidates to have first earned a master’s degree. MBA degrees usually take two years to complete, whereas DBA programs can take 3-4 years, but the exact timeline will vary by program.

Business Degree Concentrations

In addition to the traditional business majors of business administration or business management, business degrees are also offered in a variety of specialized disciplines as separate majors within the business college, such as majors in finance, accounting or entrepreneurship. Additionally, many programs include concentrations within business administration programs, such as an MBA with an emphasis in human resources management, where students can take classes that will better help them in the particular field where the student would like to work. These types of programs have the benefit of providing not only a solid business foundation, but also a career-focused curriculum in a specific discipline within business. Among some of the more popular specialized business areas are:

  • Accounting
  • Entrepreneurship
  • Finance
  • Healthcare management
  • Human resources management
  • Information systems management
  • International business
  • Marketing
  • Public administration

Business Degree Course Formats

While traditional programs are still popular, larger numbers of schools are offering degrees in business administration with flexible scheduling. Business schools are reshaping their programs to accommodate working individuals in meeting their education goals. Options include part-time and accelerated programs; online business administration degree programs; hybrid programs, where some courses are online and some are on campus; and weekend and evening programs, which meet at times that are convenient for the busy adult.

Marketing Your New Skills

After completing your degree in business administration, the possible career paths range across multiple industries, including finance, healthcare, marketing, and IT. Salaries generally depend on education level and the demand of the field, with roles at the managerial level typically commanding the highest income. As such, supervisory positions tend to be competitive and usually require extensive work experience in addition to strong academic credentials. In 2011, the median annual salary for the following careers were as follows:

With the many types of business degrees offered by universities today, there are a number of options available to assist you in taking the next step in your career, regardless of your desired industry. Whether you are hoping to enroll in a full-time, on campus program to help kick start your education or are hoping to earn a part-time, online business management degree to move into a supervisory role, there is a business program that will fit into your lifestyle. Open yourself up to an assortment of opportunities by beginning your business education now.

Related Articles:
  1. How to Become a Business Analyst Business analysts, also known as management analysts, analyze an organization and propose ways to improve its.
  2. How Many People Earn College Degrees? Degrees, by Level of Degree and Sex of Recipient The National Center for Education Statistics (NCES).




Looking for Stable Business Ideas? Here Are 12 Types of Companies With

#cash flow business

#

Looking for Stable Business Ideas? Here Are 12 Types of Companies With Healthy Cash Flow.

Data Featured Lists Editor

November 24, 2014

Land subdivision and funeral businesses may not be the sexiest small-business ideas when compared to, let s say, a web startup or a local coffee shop. But private companies in these fields tend to have the healthiest cash flow, according to new data from Sageworks. a Raleigh, N.C.-based financial data company.

For entrepreneurs seeking new ventures. businesses with a track record of stability and solvency may be a good place to start. Sageworks used highest average current ratios to generate a ranking of 12 business types with healthy cash flow for the year ending Aug. 31, 2014. [See list below.]

Cash flow is a leading indicator of financial strength because if a company has sufficient cash on hand, it will likely meet its short-term obligations — like accounts receivables and employee salaries — on time.

Sageworks analyst Jenna Weaver says the businesses listed have the ability to pay their bills and they tend to, on average, have positive cash flow. She adds that while these businesses aren t necessarily fun or flashy, understanding why certain industries or business models are more inclined toward solvency than others is useful for any entrepreneur.

Following land subdivision and death-care services, this year s ranking also includes grocery stores, real-estate businesses, clothing stores, liquor stores, gas stations, dry cleaning and laundry services, specialty-food stores, employment services, health and personal care stores, and investigation and security services.

Land-subdivision companies divide land into plots to make selling the property easier. Weaver explains that its top ranking may reflect the strong real estate/construction market recovery since 2009.

The rest of the results show themes: half of the list represented the retail sector. While giants like Walmart are known to operate with a low current ratio because of their ability to turn inventory quickly into cash, small private retailers may have difficulty predicting consumer behavior and may therefore stockpile inventory to meet any unexpected consumer demand. Weaver explains that the ability for these smaller establishments to then turn these inventory levels into receivables, and receivables into cash plays a big role. Also, she says a third of the industries on the list are service-related businesses, which usually have lower or no inventory needs.

While every industry operates on different business cycles and models, entrepreneurs brainstorming on stable business ideas should always keep solvency in mind.

Often, when businesses fail, they fail because of their inability to manage these ratios and generate positive cash flow, Weaver says.

It s important to note that a current ratio that is too high is not always ideal. A company wants to keep enough cash or liquid assets available to be able to meet its short term debts, but it doesn t want to sit on too much cash or inventory, so that its assets are still being productive for the business.





Looking for Stable Business Ideas? Here Are 12 Types of Companies With

#cash flow business

#

Looking for Stable Business Ideas? Here Are 12 Types of Companies With Healthy Cash Flow.

Data Featured Lists Editor

November 24, 2014

Land subdivision and funeral businesses may not be the sexiest small-business ideas when compared to, let s say, a web startup or a local coffee shop. But private companies in these fields tend to have the healthiest cash flow, according to new data from Sageworks. a Raleigh, N.C.-based financial data company.

For entrepreneurs seeking new ventures. businesses with a track record of stability and solvency may be a good place to start. Sageworks used highest average current ratios to generate a ranking of 12 business types with healthy cash flow for the year ending Aug. 31, 2014. [See list below.]

Cash flow is a leading indicator of financial strength because if a company has sufficient cash on hand, it will likely meet its short-term obligations — like accounts receivables and employee salaries — on time.

Sageworks analyst Jenna Weaver says the businesses listed have the ability to pay their bills and they tend to, on average, have positive cash flow. She adds that while these businesses aren t necessarily fun or flashy, understanding why certain industries or business models are more inclined toward solvency than others is useful for any entrepreneur.

Following land subdivision and death-care services, this year s ranking also includes grocery stores, real-estate businesses, clothing stores, liquor stores, gas stations, dry cleaning and laundry services, specialty-food stores, employment services, health and personal care stores, and investigation and security services.

Land-subdivision companies divide land into plots to make selling the property easier. Weaver explains that its top ranking may reflect the strong real estate/construction market recovery since 2009.

The rest of the results show themes: half of the list represented the retail sector. While giants like Walmart are known to operate with a low current ratio because of their ability to turn inventory quickly into cash, small private retailers may have difficulty predicting consumer behavior and may therefore stockpile inventory to meet any unexpected consumer demand. Weaver explains that the ability for these smaller establishments to then turn these inventory levels into receivables, and receivables into cash plays a big role. Also, she says a third of the industries on the list are service-related businesses, which usually have lower or no inventory needs.

While every industry operates on different business cycles and models, entrepreneurs brainstorming on stable business ideas should always keep solvency in mind.

Often, when businesses fail, they fail because of their inability to manage these ratios and generate positive cash flow, Weaver says.

It s important to note that a current ratio that is too high is not always ideal. A company wants to keep enough cash or liquid assets available to be able to meet its short term debts, but it doesn t want to sit on too much cash or inventory, so that its assets are still being productive for the business.





The Most Profitable Types of Small Businesses #business #card #ideas

#most successful small businesses

#

The Most Profitable Types of Small Businesses

If you re aiming for a lucrative business idea, it may be time to brush up on your number-crunching skills.

Accounting services topped the list of the top 15 small-business sectors by net profit margin over the last 12 months, according to Sageworks. a financial information company. The list was compiled using a database of more than 1,000 financial statements from private companies with less than $10 million in annual revenues.

The Sageworks data found that accounting led the pack in delivering the best profit margins, but service-based businesses in health care and real estate dominated the rest of the list.

Sageworks analyst Jenna Weaver notes that a lot of these service sectors are consistently at the top of the most profitable list. Service-based industries often have very healthy bottom lines, she says. Their overhead and equipment costs are often relatively low, and much of the time, it doesn t take a lot of upfront investment to get started.

Weaver adds: Often times, in cases like consulting, accounting, and legal services, you can get started right inside of your house, without even worrying about renting a space.

Check out the top 15 industries with the best net profit margins during the 12-month period ending July 31, 2014. For aspiring entrepreneurs, this may be the best place to start when considering new business ideas. (Note: Net profit margin has been adjusted to exclude taxes and include owner compensation in excess of their market-rate salaries.)

Credit: Sageworks, a financial information company (www.sageworks.com )

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