Foreign Policy – the Global Magazine of News and Ideas, work from

work from home ideas

Work from home ideas

Donald Trump Has Unleashed the Saudi Arabia We Always Wanted — and Feared

Crown Prince Mohammed bin Salman has put the Middle East on a collision course. And the White House will own the consequences.

Work from home ideas

The Louvre Isn t Just a Museum. It s a Power Tool.

Emmanuel Macron went to the Middle East this week to unveil the Louvre Abu Dhabi — and affirm France as a global power.

Top Stories

Work from home ideas

In Break From Obama, Trump Embedding More U.S. Forces With Afghan Combat Units

Several years after pulling back, American troops will head outside the wire to battle the Taliban and turn up the air war.

Work from home ideas

Meet the Next Generation of Saudi Rulers

Mohammed bin Salman knows he can t rule alone — which is why he s been quietly cultivating a group of young princes to serve his agenda.

The Cable

Work from home ideas

Russian Billionaire Files Application Seeking Testimony of British Spy Behind Trump Dossier

Treasury Takes Aim at Global Food Security Program

SitRep: The Saudi Mystery Deepens

SitRep: Lawmakers Approve $700B Defense Budget, but No Plan to Vote on It

Top U.S. Diplomat Blasts Trump Administration for ‘Decapitation’ of State Department Leadership

SitRep: Trump in Beijing, After North Korea Warnings

Work from home ideas

New Allegations Challenge the Environment Record of Top U.N. Official

Environmental group claims Amina J. Mohammed authorized illegal exports of endangered rosewood during her term as Nigeria’s environment minister.

Work from home ideas

A Football God Is About to Become President of Liberia

Former AC Milan striker George Weah is revered in soccer-obsessed West Africa, but can he convince Liberians he’s smart enough for the top job?

Work from home ideas

Does Trump Realize That His New Iran Strategy Could Suffer a Fatal Blow in Syria?

Without a plan for countering Iranian and Russian interests in Eastern Syria, the administration could find itself in a very bad place in the Middle East.

Work from home ideas

How to Share Tips and Documents with Foreign Policy

FP offers a variety of ways for you to contact us securely and anonymously.





Learn How Loans Work Before You Borrow, how do business loans work.#How

Learn How Loans Work Before You Borrow

How do business loans work

When you borrow money, it’s important to know how loans work. With a better understanding of loans, you can save money and make better decisions about debt – including when to avoid it. Learn how loans work before you start borrowing.

The Cost of Money

What does it take to get money? More money. When you borrow, you have to pay back the amount you borrowed plus interest. You may also have to pay fees.

Costs are a key part of understanding how loans work and which one to choose; in general it’s best to minimize costs, but costs are not always easy to understand. Lenders don t often show exactly how loans work and what they cost, so it pays to run the numbers yourself.

For most loans, a basic Loan Amortization Calculator will illustrate how things work. If you really want to play with the numbers, use a spreadsheet to see what happens when you change the variables.

Costs can be tricky, so be sure to consider interest rates and transaction fees as you study how a loan works.

Paying Down the Loan Balance

It’s only a loan if you repay it. As you figure out how loans work, you’ll see that most loans get paid off gradually over time. Each monthly payment is split into two parts: a portion of it repays the loan balance, and a portion of it is your interest cost.

An amortization table shows how this works, and how interest costs go down over time.

A loan may or may not have a term – a length of time over which you repay it. Some mortgages last for 30 years, while other loans may only last 3 years. Credit cards are revolving loans, meaning you can borrow and repay as many times as you want without applying for a new loan.

The term affects how your loan works; shorter terms require larger payments.

Qualifying for a Loan

To get a loan you’ll have to qualify. Lenders only make loans when they think they’ll be repaid. Your credit is important in helping you qualify, since it shows how you’ve used loans in the past. Good credit means you’re more likely to get a loan at a reasonable rate. You may also need to show that you have enough income to repay the loan.

If you don’t have strong credit or if you’re borrowing a lot of money, you may also have to secure the loan with collateral. This allows the lender to take something and sell it if you’re unable to repay the loan. You might even have to have somebody with good credit co-sign the loan, which means they’ll promise to repay it if you can’t.

How Loans Work in Practice

Now you know more about borrowing in general, but how do loans work in everyday life? When you want to borrow, you visit with a lender and apply for a loan. Your bank or credit union is a good place to start; you can also work with specialized lenders like mortgage brokers and peer to peer lending services.

After you provide information about yourself, the lender will evaluate your application and decide whether or not to make the loan.

If you’re approved, the lender will send funds to you (or it may go directly to another person – somebody you’re buying a house from, for example). Shortly after funding, you’ll start to repay – usually monthly.

If you want to save money, you can generally repay loans early. Figure out how your loan works to see if there’s any cost to prepay, and make sure it makes sense before doing so.





How Do Small Business Loans Work, Bizfluent, how do business loans work.#How

How Do Small Business Loans Work?

How do business loans work

Obtaining financing helps build your business, but it’s not always easy to do. Securing a business loan takes time and patience, whether you need $5,000 or $5 million, since banks are not in the position to grant every business a loan. Because small businesses are considered risky ventures by lenders, starting your application early and effectively navigating the process is critical..

Description

A business loan is based on your business needs, and your own qualifications to start and run your company. But that’s just the start. The bank also looks closely at your personal finances, since you’ll be liable for repaying the loan if your business goes under or you’re otherwise unable to make the payments. Banks usually require small business owners to use personal assets, such as your home or car, to secure the loan. Lenders often work with the Small Business Administration, a government agency that backs many of the commercial loans underwritten by banks.

Financing Available

Banks may give loans through their internal lending programs, or they may choose to guarantee the loan through the SBA. SBA-backed loans include the 7(a) primary loan program that covers a variety of small business financing, and the CDC/504 Program that helps businesses obtain new facility or modernize their facilities. The CDC program is ideal if you have an established business with a proven track record.

Documentation

The bank will require you to provide a business plan that includes financial statements and projections about future revenue. The plan must indicate what you intend to do with the money, such as increasing your marketing efforts or paying for supplies to meet demand. To improve your chances of getting a loan, the SBA provides counseling through a volunteer program, known as SCORE, to help you create a business plan that meets the lender’s requirements.

Think Twice

Before you begin the tedious process of obtaining a loan, note the disadvantages. A small business loan is based on your personal ability to pay, so you’re liable for making the payments until the loan is paid off no matter what happens to your business. You may go through all the work to satisfy the bank’s requirements only to find out you still don’t qualify, or the bank may only give you a small portion of the money you need. This would require you to act quickly to secure additional financing.





12 Best Work From Home Jobs – Good Ideas for Working at

The Top 12 Best Jobs You Can Do from Home

Earn a steady paycheck without ever leaving your house. These easy work-at-home job ideas will have you earning cash in no time.

Work from home business ideas

If you don’t relish the thought of hustling to a workplace every day or you’re having a hard time securing a local gig, there’s never been a better time to work from home: More than 40 million Americans do it, according to the advocacy group Telework Coalition. And as the economy improves, more companies will be looking for additional staff. For most at-home jobs, you’ll need a computer and an Internet connection, some basic skills and a can-do attitude. Click through this list of 12 employment areas that are booming right now.

The Job: Virtual Assistant

Work from home business ideas

What It Pays: Around $10 to $15 an hour

Perfect For: Someone who is very organized with the ability to multitask.

What It Is: Many companies hire self-employed virtual assistants to save employment costs. You will perform typical office duties from home such as replying to emails, managing calendars, entering data, and assisting with social media.

How to Get It: Start with websites like Upwork.com, FlexJobs.com, and PeoplePerHour.com to find freelance opportunities related to virtual assisting.

The Job: Transcriptionist

Work from home business ideas

What It Pays: Up to $25 per hour or more

Perfect for: Someone looking for a flexible job that requires little to no prior experience.

What It Is: Transcription essentially involves you listening to audio files and typing out what you hear. Easy enough, right? Companies usually hire transcriptionists without much experience, so some job postings might only require you to have a computer and keyboard to get started. Transcription jobs can vary from transcribing a college lecture to a doctor’s medical dictation, while most companies allow you to make your own schedule.

How to Get It: As a beginner, you can find entry-level transcription jobs on TranscribeAnywhere.com, TranscribeMe.com, and Quicktate.com. Most employers give out a short writing test to measure your typing accuracy and attention to detail before you receive any official tasks.

The Job: Survey Taker

Work from home business ideas

What It Pays: $1 to $50 per survey, depending on how much time is required

What It Is: You might take an opinion poll, answer questions about shopping habits or review a product. You’re generally paid in cash (PayPal or mailed check) or with points that can be redeemed for gift cards.

How to Get It: Visit companies such as DarwinsData.com, PineconeResearch.com and PaidViewpoint.com. (Search “surveys” on RealWaystoEarnMoneyOnline.com for more options.) Then sign up with as many sites as you can. The sites will contact you when surveys that fit your demographic pop up, and you take them right away. A word to the wise: Do not register anywhere that has a membership fee, asks for your Social Security number or bank information, or is vague about payment.

The Job: Website Tester

Work from home business ideas

What It Pays: $10 to $15 per test

What It Is: Many companies pay online testers to make sure websites are intuitive and easy to navigate. “You basically follow the instructions you’re given to check out the website,” says Anna Thurman, founder of RealWaysToEarnMoneyOnline.com, a site that has reviewed more than 500 online work opportunities. “It usually only takes about 15 minutes per test.” Thurman recommends registering with 10 to 12 different companies since the opportunities to test these sites are doled out first come, first served. “There are people who make $100 to $200 a month by staying on top of those tests,” Thurman says.

How to Get It: Begin with sites like UserTesting.com, YouEye.com and Userlytics.com. Register with multiple companies for opportunities to test as many websites as possible. Once you’re in the system, you’ll be emailed when testers are needed, and if you’re one of the first to respond, expect to spend 15 to 20 minutes completing the test. Many sites require a microphone and/or webcam, which are built into most laptops—but if you need to buy one, they aren’t expensive. The tester sites typically pay within a week or two via PayPal.

The Job: Film and Post How-To Videos

Work from home business ideas

What It Pays: $1 to $2 per 1,000 hits; Payment depends on how many people click on your video. Views on popular YouTube tutorials range from 20,000 to 300,000 and higher.

What It Is: Do people ask you your secret to perfect pie crust or how you made that wreath? “Everyone knows how to do something, or has a hobby they enjoy,” says Kimberly Lawson, owner of OohLaLuxe.net, who has created fashion and beauty tutorial videos. “These can easily be turned into profits.” Simply sign up for a free YouTube account. Then use a smartphone or digital camera to record yourself explaining and demonstrating how you work your magic. (If you’re more tech-savvy or have a burgeoning teenage filmmaker in your house, you can use desktop software, such as Windows Movie Maker, to create a slicker video.) “Once you upload the video to YouTube, enroll in its partner program,” Lawson says. YouTube will then place ads inside or near your video, and you will earn money from the ads themselves, video views and click-throughs. “The key is to put a unique spin on your video,” says Lawson, especially if there are lots of others on the same subject.

How to Get It:If you shot the video with your phone, open the YouTube app and hit “send.” If you’re uploading from a computer, visit YouTube, and click the “upload” button in the upper right corner of the screen. You’ll see a place to drag your video file. To enroll in the partner program, click on YouTube settings, check the circle next to “Allow Advertisements,” then click on “View Additional Features.” On the YouTube monetization page, opt in. Generally, you must earn a minimum before you get paid, and YouTube pays monthly—if you don’t earn enough in one month, the balance rolls over.





How Do Business Loans Work, Fortress Funding, how do business loans work.#How

How Do Business Loans Work?

What Options Are Available To You?

Traditionally the “Big Four” banks have all offered pretty much the same stuff. That is if you want to borrow money for a business purpose the price goes up. As well as this you need to track down a banker that can take the time to understand your business and appreciate things from your side of the desk, not just the Credit Department’s side of the desk.

There is not question, its getting harder and harder to get good service in the Small to Medium Business, (SME), sector. In fairness to the “Big Four” its hard for them as well. They want it do but they are pushing their managers, branches and infrastructure in general as hard as they can and that rarely co-exists with relationship building and great service.

Its not just pricing and access to good service or advice that makes loans for SME’s hard everything else gets harder as well.

Here s How Business Loans Can Get Harder

The loan term might be restricted putting cashflow pressure on your business

Take this example of a commercial loan of $750 0000 for the purchase of a commercial warehouse.

Commercial loan of $750,000 at 5.42% pa

How do business loans work

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  • How do business loans work

The Truth About Refinance and Three Options for Immediate Action

Why would you consider refinancing your loans? 9 out of 10 clients that we review could re-arrange their loans to be either cheaper, more appropriate or both! It’s worth asking the question, isn’t it? After all we don’t know what we don’t know. When you took out your last loan did [. ]

  • How do business loans work

What Is A Second Chance Loan?

Second Chance Funding How It Can Work For You What is it? Second Chance Finance is a flexible loan offered by lenders for those with bad credit or a less than perfect credit history. It’s a way that you can get yourself back on track quickly and easily. It’s not something your bank [. ]

  • How do business loans work

How Do Business Loans Work?

How Do Business Loans Work? What Options Are Available To You? Traditionally the “Big Four” banks have all offered pretty much the same stuff. That is if you want to borrow money for a business purpose the price goes up. As well as this you need to track down a banker that can [. ]

Looking at the loan in simplistic terms you would say the cost is 5.42%pa or $40650 each year in interest. However, when you look at all the other associated costs the bank is charging an average of $44890 per year. Effectively that’s 5.96%pa. or put another way an additional $21 200 over the 5 year period.

In addition to this you have the hassle, and anguish, of having to prepare interims and hope that the bank remains happy.

Every time you provide your lender information you risk something changing that you may not have anticipated. The opposite can be true but that’s usually only because you know how to “work the system”.

When was the last time your bank manager rang you up and offered to reduce your lending costs?

When was the last time your bank manager called you?

Consider This

Firstly, let’s be clear – you do not have to move your transaction banking.

Commercial lenders love you transactional banking accounts. It gives them your funds on deposit for free, the ability to charge account keeping fees and the ability to look inside your business – without you knowing.

New ways of funding commercial loans are out there. For example set and forget commercial loans and sometimes at home loan rates. Why would you pay commercial interest rates, have a shortened loan term and prepare interim financials if the bank could use equity in your home for your commercial loan?

You can make this happen if you know which lenders to talk to and how to go about it. No disruption to your business banking accounts, your internet banking or credit cards – just cheap efficient loan accounts.

Even if you prefer to, or already have offered your commercial premises as security rather than your home, (or a mix of the two), you can have a set a forget commercial loan with no ongoing fees over 20 years. There is of course always the option to go interest Only as well.

Consider the information below, it’s for the same $750 000 that we looked at earlier.

Commercial loan of $750,000 at 4.89% pa

How do business loans work

In this example the same loan costs an average of $37 087pa. over a 5 year period. That’s effectively 4.94%pa. (compared to 5.96%pa above).

The only thing that has changed is we did it smarter!

All your day to day banking stays in place uninterrupted. The cost of making the changes, (assuming an application fee of $1000 and a valuation fee of $1060) would be recovered in a couple of months.

It s All About Who You Know

Not all lenders are the same.

The market is super competitive at the moment with fintech innovators and new banks coming into the market and in particular into the commercial market. It’s no longer the exclusive domain of the “big four”. Many of these lenders are choosing to get to their clients via brokers. Its gives them the benefit of cheaper distribution channels but more importantly reduces their costs which are then reflected in what they charge you, the borrower.

More importantly they are hungry to do business and there are many ways that we can take advantage of this. You can take advantage of it all, with a little help from someone in the know.

Understanding the lenders and their niches and combining that with finding the right people inside these lenders is always far more likely to get you a suitable and sustainable outcome that might be just right for you. Sometimes it’s a combination so lenders or lender products, sometimes it’s a “re-jig” of your loan products after come consultation with your accountant. Sometimes it’s about releasing a security property like the family home for example and sometimes it’s about separating out your liability from that of your business partner’s liability.

It s A Bit Like Goldilocks And The Three Bears

The three Big Bears are:

  1. Why do commercial loans cost so much?
  2. Why do I need to spend so much money and time simply maintaining the loan going forward?
  3. How do I find the right bank and bank manager that has the time to understand my business?

How do business loans work

Goldilocks is obviously “Just right”. That is a combination of a well priced maintenance free loan portfolio with the support of an experience broker that can ensure that your needs are understood and met by the lender on an ongoing basis.

The one thing for sure is that it’s not just a matter anymore of turning up to your local branch, filling in a form and hoping for the best!





4Teachers: Main Page, work from home ideas.#Work #from #home #ideas

Teach with Technology

4Teachers.org works to help you integrate technology into your classroom by offering online tools and resources. This site helps teachers locate and create ready-to-use Web lessons, quizzes, rubrics and classroom calendars. There are also tools for student use. Discover valuable professional development resources addressing issues such as equity, ELL, technology planning, and at-risk or special-needs students.

Work from home ideas 4TEACHERS BLOG
Work from home ideas 4TEACHERS FEATURES

Engaging on-site professional development for educators.

Arcademic Skill Builders are educational video games offering fun ways to learn math and vocabulary skills.

Our video portal on YouTube and TeacherTube has tutorials and educational videos.

Work from home ideasTeacher Success Stories

Work from home ideasUse Policies and Safety

Work from home ideasResources in Spanish

Work from home ideasTechnology Assessment

Work from home ideasAssessment

Work from home ideasTechnology Planning

Work from home ideasSpecial Needs | Assistive Technology

Work from home ideasGrant Resources

Work from home ideasBilingual Edu. and ELL

Work from home ideasTutorials + Tech-Along





TipHero: Money – Time Saving Tips, Recipes, Hacks – Ideas, work from

Here s How to Make a DIY Snowman with Dollar Store Fish Bowls

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Your Child is More Likely to Choke on These 9 Foods Than Any Other Foods

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11 Weird Tricks That Will Help You Get an Amazing Night s Sleep

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If You Want a Thanksgiving Turkey That s Truly Tasty, Make Sure You Don t Do These 9 Things

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You Don t Have to Live with Brown, Stained Sheet Pans If You Know This Trick

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4 Common Hair Mistakes That Make You Look Older Than You Are and How to Fix It!

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When Kate Middleton Became a Royal, She Had to Make a Big Change to Her Manicures

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Here s Why Putting a Winter Coat on a Baby Before Putting Them in a Car Seat is So Dangerous

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11 Magical Phrases Every Child Needs to Hear

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23 Easy, Fun and Helpful DIYs Using a Favorite Kids’ Beverage

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13 Things You Didn’t Know You Could Do in Your Hotel Room

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3 Winning Game Day Appetizers

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The Very Best Roast Turkey Starts with This Funny Trick

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If You Got Black Licorice in Your Trick-or-Treat Bag, Throw It Out

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How to Tell if You re Wearing the Wrong Bra Size for Your Body

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Home Business Ideas That Really Pay, work from home business ideas.#Work #from

Home Business Ideas That Really Pay

Work from home business ideas

With the ups and downs of the economy, the slicing of employer benefits, and the frenetic pace of life, many people are starting to turn their attention towards taking greater control of their income through a home business. While once a pie-in-the sky idea, today, the advancements and affordability in technology has made running a successful home business a reality for millions.

That doesn t mean profits will be automatic or a quick breeze to achieve.

But if you have the desire, a plan, and a willingness to do the work, you can be a successful home-based entrepreneur.

Starting a Home Business

The first step in home business success is in figuring out what business to run. Too many people focus on fast profits over choosing the right idea.While the goal is to make money, to base your decision solely on profit potential and ignoring your interest or compatibility to the business is a big mistake. It s always better to choose a business idea that you re passionate about or can get excited about. The good news about this is that you can turn a passion or a hobby into a home business.Or you can take a skill from your job or volunteer work and build a business doing that.

The next step is determining how to turn your idea into income. There are essentially three ways to make money:

2. Sell your skill.

3. Sell your knowledge

For example, if your passion is baking, you can open an online store selling baking goods (sell stuff), provide baking services to others (sell skill), or teach baking (sell knowledge).

Unfortunately, many would-be home business owners get stuck on knowing what business to start. This is where having a list of possible ideas can help. Below you ll find a MONSTER list of over 80 proven home business ideas. It s not complete, but it will show you how many different businesses you can start and possibly lead you to more potential ideas.





Top Ten Work From Home Options, Stay at Home Mum, work from

Top Ten Work from Home Options

Work from home business ideas

It is always nice to be at home with the kids and still bring some income into the family. A good work at home job or job suitable for Mums needs to be flexible to be sustainable.

Work from home business ideas

Good work from home options for mums with young children need a few requirements. It’s important to consider what needs your family has before running out and choosing the first work from home opportunity that comes along. You need to choose something that will work for the whole family, and that you enjoy doing!

Tightening creams?

For someone planning their first wedding, what advice would you give regarding regrets or must haves etc. He popped the question and everyone keeps asking about the wedding, but i have no idea where to start.

bb cream

Smoking stained my teeth. Kicked the habit and struggling with esteem at work and home due to yellowed teeth

Choosing the Best Work From Home Option for Your Skills

What did you do before you had children? Worked in an office? Sales? Process work? Unless you really couldn t stand that job, playing to your strengths is the best way to make good money. Write a list of your skills and consider jobs that best match them. Putting together a simple resume is a good start. Maybe this is the time to start a business of your own?

Some mums have a great support network of helpful babysitters and home business personal assistants, some don’t! Some have a dad who can be in charge in the evening and on weekends, some don’t. Some mums have kids with greater needs than others. Some families have bigger bills than others. Some families live a long way from cities, some don’t. Some are happy to have clients in their home, some aren’t. Consider the level of flexibility and income your work at home opportunity needs to be a success for you family.

Brushing Up Your Work Skills

Before you consider starting a home business or looking for work where you can set up your office at home, you may like to polish up on your business skills ahead of time. Completing a short course or certificate can give you the confidence to go for it and the padding your resume may need to get you to the next level.

What else you need to consider…

Once you have decided on what you will do, if you are self employed you will need to get an ABN (Australian Business Number you may not need it right away but you may as well – it’s free) and if you have a business name, get this registered. You won’t need to register for GST in Australia until you’re turning over $75,000 or more. You will probably need insurance (shop around, there are brokers that get it FAR cheaper than the mainstream companies) and depending on the career you choose, you may need other licenses to operate. Check with SmartLicense in Australia.

Here are some of the more popular jobs for Mums:

Additional ideas for mums looking for work outside of the house for a few hours each week include:

For more jobs options suitable for Mums, check out our Jobs Page.





Foreign Policy – the Global Magazine of News and Ideas, work from

work from home ideas

Work from home ideas

Donald Trump Has Unleashed the Saudi Arabia We Always Wanted — and Feared

Crown Prince Mohammed bin Salman has put the Middle East on a collision course. And the White House will own the consequences.

Work from home ideas

The Louvre Isn t Just a Museum. It s a Power Tool.

Emmanuel Macron went to the Middle East this week to unveil the Louvre Abu Dhabi — and affirm France as a global power.

Top Stories

Work from home ideas

In Break From Obama, Trump Embedding More U.S. Forces With Afghan Combat Units

Several years after pulling back, American troops will head outside the wire to battle the Taliban and turn up the air war.

Work from home ideas

Meet the Next Generation of Saudi Rulers

Mohammed bin Salman knows he can t rule alone — which is why he s been quietly cultivating a group of young princes to serve his agenda.

The Cable

Work from home ideas

Russian Billionaire Files Application Seeking Testimony of British Spy Behind Trump Dossier

Treasury Takes Aim at Global Food Security Program

SitRep: The Saudi Mystery Deepens

SitRep: Lawmakers Approve $700B Defense Budget, but No Plan to Vote on It

Top U.S. Diplomat Blasts Trump Administration for ‘Decapitation’ of State Department Leadership

SitRep: Trump in Beijing, After North Korea Warnings

Work from home ideas

New Allegations Challenge the Environment Record of Top U.N. Official

Environmental group claims Amina J. Mohammed authorized illegal exports of endangered rosewood during her term as Nigeria’s environment minister.

Work from home ideas

A Football God Is About to Become President of Liberia

Former AC Milan striker George Weah is revered in soccer-obsessed West Africa, but can he convince Liberians he’s smart enough for the top job?

Work from home ideas

Does Trump Realize That His New Iran Strategy Could Suffer a Fatal Blow in Syria?

Without a plan for countering Iranian and Russian interests in Eastern Syria, the administration could find itself in a very bad place in the Middle East.

Work from home ideas

How to Share Tips and Documents with Foreign Policy

FP offers a variety of ways for you to contact us securely and anonymously.





Edutopia, K-12 Education Tips – Strategies That Work, work from home ideas.#Work

Edutopia

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The Cornerstone of Social and Emotional Learning

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What Can We Do About Teacher Turnover?

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3 Literacy Practices That Work

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A Weekly Morale Boost for Teachers

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Creating an Inclusive Classroom

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Ditching the Math Textbook

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3 Assumptions Teachers Should Avoid

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3 Fun Strategies for Note Taking

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Calling All Learners and Teachers for Hour of Code 2017

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Work From Home Business Ideas For Moms, work from home business ideas.#Work

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How Do Business Loans Work, Lendio, how do business loans work.#How #do

How Do Business Loans Work?

The process will vary depending where you look for a loan, but here at Lendio, we make it easy to get a loan. Start by filling out our online application and entering some information about your business. When you re done, a personal funding manager will contact you to discuss your loan options. Then you simply choose your preferred loan and your funding manager will push through the application to the lender and finish up the final details.

It really depends on where you apply for your business loan. For example, in the last half of 2016, banks were only approving 20-25% of small business loans, where alternative lenders were approving 60-62% of similar loans. And as an online lending marketplace, we work with more than 75 lenders so there is almost always a way to find a loan that can work for you. But the only way to really know is to fill out an application and see for yourself!

The documents you’ll need to apply for a loan will vary depending on whether you apply with a bank, an online lender, or at an online lending marketplace. To fill out an application at Lendio, you’ll be required to know some basic information about your company and your personal situation. We don’t require you to send in any documents besides providing business account bank statements for the past few months.

The loan products you qualify for will likely determine the way in which, as well as how often, you’ll pay back your loans. Typically, the stronger your business and credit, the less frequently you’ll have to make loan payments and the more payment processing options you’ll have. In contrast, the lower your credit scores and business strength, the more frequent and determinate your payment options will be.

You ll be expected to bring personal background information, your resume, a highly documented business plan, signed personal financial statements, personal credit reports, your business credit reports, personal and business tax returns for the previous three years, an entire year of personal and business bank statements, documentation of collateral, and a number of legal documents. And that s before they start asking questions.

This really depends on your unique business. We offer many different specialized loan products to help fund your business efficiently. In some cases where a loan is going to be used for many different things we will offer several loans, each serving a different purpose. This helps you get the maximum amount of funding easily. Your funding manager will help you decide which option is best for your situation.

You’ll need to know some basic things about your finances and your company such as your approximate credit score and what industry your business will be in. You’ll also want to be able to show past experience in the field if you have any, and you may need up to two years of personal tax returns depending on the type of startup loan options available to you. Other than that, just apply and pray! Just kidding, you ll be fine.

A commercial mortgage is another term for a commercial mortgage. These loans work by utilizing the collateral value of real estate you own in order to get funding for your business. A commercial real estate loan is most commonly used to turn your equity into needed working capital, refinance your real estate to increase cash flow, or to purchase a new property for expansion or growth.

A VA loan is a personal loan offered by Veterans’ Affairs to most members of the military, veterans, reservists, and National Guard members. While VA loans are restricted to mortgages, refinancing, rebuilding, and expanding or extending a personal home, the SBA does offer a loan service called the “Patriot Express” which is a more traditional business loan to help veterans start their small businesses.

Some government agencies do offer small business loans or grants specifically for minority-owned businesses. They’re excellent programs and we encourage anyone who may be eligible for those offers to check them out and see if they qualify. Unfortunately, As a private business, as well as an online lending marketplace, we do not have any options that we can offer exclusively to minorities.

The most commonly accepted definition is loans of a relatively small dollar amount used to help small businesses and entrepreneurs grow or sustain their businesses. The dollar amounts, according to bank definitions, range from $500-100,000. The average micro loan in the U.S. is just $13,000, but businesses in the United States only receive a very small percentage of the micro loans around the world.

How do business loans work

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My Paycheck – How Do Small Business Loans Work, how do business

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How Do Business Loans Work, Fortress Funding, how do business loans work.#How

How Do Business Loans Work?

What Options Are Available To You?

Traditionally the “Big Four” banks have all offered pretty much the same stuff. That is if you want to borrow money for a business purpose the price goes up. As well as this you need to track down a banker that can take the time to understand your business and appreciate things from your side of the desk, not just the Credit Department’s side of the desk.

There is not question, its getting harder and harder to get good service in the Small to Medium Business, (SME), sector. In fairness to the “Big Four” its hard for them as well. They want it do but they are pushing their managers, branches and infrastructure in general as hard as they can and that rarely co-exists with relationship building and great service.

Its not just pricing and access to good service or advice that makes loans for SME’s hard everything else gets harder as well.

Here s How Business Loans Can Get Harder

The loan term might be restricted putting cashflow pressure on your business

Take this example of a commercial loan of $750 0000 for the purchase of a commercial warehouse.

Commercial loan of $750,000 at 5.42% pa

How do business loans work

Latest Blogs

  • How do business loans work

The Truth About Refinance and Three Options for Immediate Action

Why would you consider refinancing your loans? 9 out of 10 clients that we review could re-arrange their loans to be either cheaper, more appropriate or both! It’s worth asking the question, isn’t it? After all we don’t know what we don’t know. When you took out your last loan did [. ]

  • How do business loans work

What Is A Second Chance Loan?

Second Chance Funding How It Can Work For You What is it? Second Chance Finance is a flexible loan offered by lenders for those with bad credit or a less than perfect credit history. It’s a way that you can get yourself back on track quickly and easily. It’s not something your bank [. ]

  • How do business loans work

How Do Business Loans Work?

How Do Business Loans Work? What Options Are Available To You? Traditionally the “Big Four” banks have all offered pretty much the same stuff. That is if you want to borrow money for a business purpose the price goes up. As well as this you need to track down a banker that can [. ]

Looking at the loan in simplistic terms you would say the cost is 5.42%pa or $40650 each year in interest. However, when you look at all the other associated costs the bank is charging an average of $44890 per year. Effectively that’s 5.96%pa. or put another way an additional $21 200 over the 5 year period.

In addition to this you have the hassle, and anguish, of having to prepare interims and hope that the bank remains happy.

Every time you provide your lender information you risk something changing that you may not have anticipated. The opposite can be true but that’s usually only because you know how to “work the system”.

When was the last time your bank manager rang you up and offered to reduce your lending costs?

When was the last time your bank manager called you?

Consider This

Firstly, let’s be clear – you do not have to move your transaction banking.

Commercial lenders love you transactional banking accounts. It gives them your funds on deposit for free, the ability to charge account keeping fees and the ability to look inside your business – without you knowing.

New ways of funding commercial loans are out there. For example set and forget commercial loans and sometimes at home loan rates. Why would you pay commercial interest rates, have a shortened loan term and prepare interim financials if the bank could use equity in your home for your commercial loan?

You can make this happen if you know which lenders to talk to and how to go about it. No disruption to your business banking accounts, your internet banking or credit cards – just cheap efficient loan accounts.

Even if you prefer to, or already have offered your commercial premises as security rather than your home, (or a mix of the two), you can have a set a forget commercial loan with no ongoing fees over 20 years. There is of course always the option to go interest Only as well.

Consider the information below, it’s for the same $750 000 that we looked at earlier.

Commercial loan of $750,000 at 4.89% pa

How do business loans work

In this example the same loan costs an average of $37 087pa. over a 5 year period. That’s effectively 4.94%pa. (compared to 5.96%pa above).

The only thing that has changed is we did it smarter!

All your day to day banking stays in place uninterrupted. The cost of making the changes, (assuming an application fee of $1000 and a valuation fee of $1060) would be recovered in a couple of months.

It s All About Who You Know

Not all lenders are the same.

The market is super competitive at the moment with fintech innovators and new banks coming into the market and in particular into the commercial market. It’s no longer the exclusive domain of the “big four”. Many of these lenders are choosing to get to their clients via brokers. Its gives them the benefit of cheaper distribution channels but more importantly reduces their costs which are then reflected in what they charge you, the borrower.

More importantly they are hungry to do business and there are many ways that we can take advantage of this. You can take advantage of it all, with a little help from someone in the know.

Understanding the lenders and their niches and combining that with finding the right people inside these lenders is always far more likely to get you a suitable and sustainable outcome that might be just right for you. Sometimes it’s a combination so lenders or lender products, sometimes it’s a “re-jig” of your loan products after come consultation with your accountant. Sometimes it’s about releasing a security property like the family home for example and sometimes it’s about separating out your liability from that of your business partner’s liability.

It s A Bit Like Goldilocks And The Three Bears

The three Big Bears are:

  1. Why do commercial loans cost so much?
  2. Why do I need to spend so much money and time simply maintaining the loan going forward?
  3. How do I find the right bank and bank manager that has the time to understand my business?

How do business loans work

Goldilocks is obviously “Just right”. That is a combination of a well priced maintenance free loan portfolio with the support of an experience broker that can ensure that your needs are understood and met by the lender on an ongoing basis.

The one thing for sure is that it’s not just a matter anymore of turning up to your local branch, filling in a form and hoping for the best!





Edutopia, K-12 Education Tips – Strategies That Work, work from home ideas.#Work

Edutopia

Work from home ideas

The Cornerstone of Social and Emotional Learning

Work from home ideas

What Can We Do About Teacher Turnover?

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3 Literacy Practices That Work

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A Weekly Morale Boost for Teachers

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Creating an Inclusive Classroom

Work from home ideas

Ditching the Math Textbook

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3 Assumptions Teachers Should Avoid

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3 Fun Strategies for Note Taking

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Calling All Learners and Teachers for Hour of Code 2017

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Morning Meetings: Building Community in the Classroom

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Tech Buddies: Building Technology Skills Through Peer Teaching

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Oracy in the Classroom: Strategies for Effective Talk

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Solving Real-World Issues Through Problem-Based Learning

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The Crisis in Black Education

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The Search for the Perfect Kindergarten

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Differentiating Classroom Instruction

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The Big List of Educational Grants and Resources

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What Your Students Really Need to Know About Digital Citizenship

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Getting Started With Project-Based Learning (Hint: Don’t Go Crazy)

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The Power of Being Seen

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TipHero: Money – Time Saving Tips, Recipes, Hacks – Ideas, work from

Here s How to Make a DIY Snowman with Dollar Store Fish Bowls

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Your Child is More Likely to Choke on These 9 Foods Than Any Other Foods

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11 Weird Tricks That Will Help You Get an Amazing Night s Sleep

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If You Want a Thanksgiving Turkey That s Truly Tasty, Make Sure You Don t Do These 9 Things

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You Don t Have to Live with Brown, Stained Sheet Pans If You Know This Trick

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4 Common Hair Mistakes That Make You Look Older Than You Are and How to Fix It!

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When Kate Middleton Became a Royal, She Had to Make a Big Change to Her Manicures

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Here s Why Putting a Winter Coat on a Baby Before Putting Them in a Car Seat is So Dangerous

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11 Magical Phrases Every Child Needs to Hear

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23 Easy, Fun and Helpful DIYs Using a Favorite Kids’ Beverage

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13 Things You Didn’t Know You Could Do in Your Hotel Room

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3 Winning Game Day Appetizers

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The Very Best Roast Turkey Starts with This Funny Trick

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If You Got Black Licorice in Your Trick-or-Treat Bag, Throw It Out

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How to Tell if You re Wearing the Wrong Bra Size for Your Body

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Learn How Loans Work Before You Borrow, how do business loans work.#How

Learn How Loans Work Before You Borrow

How do business loans work

When you borrow money, it’s important to know how loans work. With a better understanding of loans, you can save money and make better decisions about debt – including when to avoid it. Learn how loans work before you start borrowing.

The Cost of Money

What does it take to get money? More money. When you borrow, you have to pay back the amount you borrowed plus interest. You may also have to pay fees.

Costs are a key part of understanding how loans work and which one to choose; in general it’s best to minimize costs, but costs are not always easy to understand. Lenders don t often show exactly how loans work and what they cost, so it pays to run the numbers yourself.

For most loans, a basic Loan Amortization Calculator will illustrate how things work. If you really want to play with the numbers, use a spreadsheet to see what happens when you change the variables.

Costs can be tricky, so be sure to consider interest rates and transaction fees as you study how a loan works.

Paying Down the Loan Balance

It’s only a loan if you repay it. As you figure out how loans work, you’ll see that most loans get paid off gradually over time. Each monthly payment is split into two parts: a portion of it repays the loan balance, and a portion of it is your interest cost.

An amortization table shows how this works, and how interest costs go down over time.

A loan may or may not have a term – a length of time over which you repay it. Some mortgages last for 30 years, while other loans may only last 3 years. Credit cards are revolving loans, meaning you can borrow and repay as many times as you want without applying for a new loan.

The term affects how your loan works; shorter terms require larger payments.

Qualifying for a Loan

To get a loan you’ll have to qualify. Lenders only make loans when they think they’ll be repaid. Your credit is important in helping you qualify, since it shows how you’ve used loans in the past. Good credit means you’re more likely to get a loan at a reasonable rate. You may also need to show that you have enough income to repay the loan.

If you don’t have strong credit or if you’re borrowing a lot of money, you may also have to secure the loan with collateral. This allows the lender to take something and sell it if you’re unable to repay the loan. You might even have to have somebody with good credit co-sign the loan, which means they’ll promise to repay it if you can’t.

How Loans Work in Practice

Now you know more about borrowing in general, but how do loans work in everyday life? When you want to borrow, you visit with a lender and apply for a loan. Your bank or credit union is a good place to start; you can also work with specialized lenders like mortgage brokers and peer to peer lending services.

After you provide information about yourself, the lender will evaluate your application and decide whether or not to make the loan.

If you’re approved, the lender will send funds to you (or it may go directly to another person – somebody you’re buying a house from, for example). Shortly after funding, you’ll start to repay – usually monthly.

If you want to save money, you can generally repay loans early. Figure out how your loan works to see if there’s any cost to prepay, and make sure it makes sense before doing so.





Work From Home Business Ideas For Moms, work from home business ideas.#Work

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Home Business Ideas That Really Pay, work from home business ideas.#Work #from

Home Business Ideas That Really Pay

Work from home business ideas

With the ups and downs of the economy, the slicing of employer benefits, and the frenetic pace of life, many people are starting to turn their attention towards taking greater control of their income through a home business. While once a pie-in-the sky idea, today, the advancements and affordability in technology has made running a successful home business a reality for millions.

That doesn t mean profits will be automatic or a quick breeze to achieve.

But if you have the desire, a plan, and a willingness to do the work, you can be a successful home-based entrepreneur.

Starting a Home Business

The first step in home business success is in figuring out what business to run. Too many people focus on fast profits over choosing the right idea.While the goal is to make money, to base your decision solely on profit potential and ignoring your interest or compatibility to the business is a big mistake. It s always better to choose a business idea that you re passionate about or can get excited about. The good news about this is that you can turn a passion or a hobby into a home business.Or you can take a skill from your job or volunteer work and build a business doing that.

The next step is determining how to turn your idea into income. There are essentially three ways to make money:

2. Sell your skill.

3. Sell your knowledge

For example, if your passion is baking, you can open an online store selling baking goods (sell stuff), provide baking services to others (sell skill), or teach baking (sell knowledge).

Unfortunately, many would-be home business owners get stuck on knowing what business to start. This is where having a list of possible ideas can help. Below you ll find a MONSTER list of over 80 proven home business ideas. It s not complete, but it will show you how many different businesses you can start and possibly lead you to more potential ideas.





The 10 Best Consulting Firms to Work For #business #for #sale

#business consulting firms

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The 10 Best Consulting Firms to Work For

The world turns, and most consultants still want to work for McKinsey Co. The elite firm known by some as the Harvard of consulting beat out competitor Bain Co. for the top spot in a ranking of consultancies by Vault, a website that researches and ranks companies. McKinsey was voted “Most Prestigious” for the 14th straight year.

Vault analyzed 9,000 responses from consultants it surveyed at 100 companies in North America. Consultants ranked firms on a scale of one to 10, based on prestige, firm culture, compensation, work-life balance, and other factors.

Vault ranked 50 consultancies, weighting its ranking by factors that consultants identified as being most important to their decision to select and stay at a firm. This year, Deloitte, PricewaterhouseCoopers, and Oliver Wyman moved up the list, while technology-specialist Accenture noticeably dropped out of the top 10, to No. 20. Bridgespan Group took Accenture’s former spot in its debut year, highlighting the importance of social good in rankings success. Bridgespan’s commitment to social sectors boosted its measures of prestige and sense of purpose, according to Vault.

Consulting used to be the top choice for business school graduates, but now the technology industry is taking many of the best and brightest new MBAs, says Vault editor Phil Stott. More consultancies are mitigating office hours while boosting travel opportunities, flex-time, and work-from-home options.

“Consulting firms have had to start competing on quality of life in a way that they never had to before—which, in turn, is leading to higher ratings from consultants,” says Stott. “It’s a pattern that I’ve seen developing over the past couple of years, and it’ll be interesting to see where it goes from here.”

The report also includes the second year of Vault’s Boutique Consulting Rankings, an increasingly popular grouping. Insight Source Group was ranked No. 1 for its second year, but the standout for work-life balance was Eagle Hill Consulting. The firm, which advertises as a “family-run, woman-owned company,” scored highest for vacation policy, hours in the office, and overall satisfaction.

The Top 10 firms to work for, based on Vault’s Annual Consulting Survey, are below. Find the full 50 firms Vault ranked here.

1. McKinsey Co.

3. Boston Consulting Group

4. Deloitte Consulting





Small Business Administration – Best Places to Work #business #taxes

#small business administration

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How is the index score calculated?

The overall rankings are determined by the agencies Best Places to Work index scores, which measure employee satisfaction and commitment.

The index score is not a combined average of an agency s category scores. It is calculated using a proprietary weighted formula that looks at responses to three different questions in the U.S. Office of Personnel Management s Federal Employee Viewpoint Survey. The more the question predicts intent to remain, the higher the weighting.

  • I recommend my organization as a good place to work. (Q. 40)
  • Considering everything, how satisfied are you with your job? (Q. 69)
  • Considering everything, how satisfied are you with your organization? (Q. 71)

Why are agencies grouped by size?

We group agencies by workforce size to provide comparisons of agencies that may face similar management challenges in terms of numbers of employees and locations. The groupings have undergone several changes over the years. In 2003 the rankings featured only one list of agencies, including agencies as large as the Department of Defense (over 600,000 employees) and as small as the Office of Management and Budget (450 employees).

Number of Full-time, Permanent Employees by Group

Large More than 15,000 Mid-size 1,000 to 14,999 Small 100 to 999

Subcomponents, the subagencies, bureaus, divisions, centers and offices within agencies need to have at least 100 femployees.

The number of employees was determined by using OPM s FedScope database. Our criterion was based on the number of permanent employees as of fiscal year 2014, unless otherwise noted.

Why aren t past rankings shown?

We have different numbers of agencies participating in the rankings. For example, in 2007, 222 subcomponents participated in the rankings and the median rank was 111. In 2015, 315 subcomponents participated in the rankings and the median rank was 157. We also have made changes to the ranking s categories. For these reasons, the rank is not the most accurate reflection of an agency s performance over time. We recommend focusing on score and quartile trends instead.

Why would an agency not have scores in some categories?

The Consumer Financial Protection Bureau, Federal Deposit Insurance Corporation, Government Accountability Office, Intelligence Community, Millennium Challenge Corporation, Office of the Inspector General at the Tennessee Valley Authority, Peace Corps, Smithsonian Institution, and U.S. Army Audit Agency do not participate in the OPM survey but conduct comparable surveys that include our three index questions. These agencies may or may not include the questions required for the category scores.

Why would an agency not have scores for some demographics?

To calculate a Best Places to Work index score for a demographic group at an agency, we require at least 30 respondents in the category. If there were fewer than 30, we did not report a score.

Small Business Administration

The Best Places to Work in the Federal Government rankings are produced by the Partnership for Public Service a nonprofit, nonpartisan organization committed to improving the effectiveness of government. As part of our strategy for change, we work with numerous agencies, many of which are represented in our Best Places to Work profiles and rankings, on everything from improving employee satisfaction and commitment to leadership development.

1100 New York Ave NW
Suite 200 East
Washington, DC 20005
(202) 775-9111

2016 Partnership for Public Service





Home Based Business for Sale NZ, Small work from home NZ Businesses

#home business opportunities

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Home Based Businesses for Sale

Search over 3,000 Businesses for Sale New Zealand wide. or subscribe to our very latest NZ businesses for sale. Before you buy a business contact several sellers of the businesses for sale NZ that interest you, to learn what s on offer and become better informed.

Looking for a Large or Small Home Based Business for Sale NZ or Home Based Business Opportunities NZ? Search through 72 Home Based Businesses for Sale on NZ Biz Buy Sell, and check out New Zealand’s leading Small Business for Sale NZ listings.

Find a work from Home countryCode] opportunity or choose from over 2500 businesses for sale New Zealand wide. Looking to list your Home Based Business NZ for Sale? See how to sell a Home Business

Save this search (“Home Based Businesses for Sale”) and email me the latest listings.

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  • Coffee News Business for Sale | Palmerston North and Wanganui | $8,000

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  • Advertising Service Business for Sale | Invercargill | $8,000

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    Queenstown Coffee News. Become part of the world’s most popular restaurant publication and has been operating in New Zealand since 2001. [more. ]

    Mobile lunch bars capable of significant expansion and / or franchising [more. ]

  • Equipment sale, hire and servicing Business for Sale | Auckland | $680,000

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  • Advertising Service Business for Sale | Gisborne | $8,000

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  • Why The SBIC Doesn – t Work For Venture Capital Anymore –

    #small business investment company

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    Why The SBIC Doesn t Work For Venture Capital Anymore

    There are so many things wrong in the article I felt compelled to write about it. This isn t a knock on the writer (Alicia Wallace) I like Alicia and think she does a good job. Rather, it s an example of the difference between signal and noise in any kind of reporting around the VC industry.

    I’m an investor in over 40 VC funds around the world (mostly in the US) and three of them are SBIC funds. Each of the SBIC funds were raised in the 2000 2002 time period. On paper, only one is in positive return territory as a fund, but the SBIC leverage is a substantial negative factor for the LP investors in that particular fund. And, in the other two, I don’t expect to ever see any of my capital back because of the SBIC leverage. Furthermore, I don t believe any of the GPs in any SBIC-backed fund would ever take money from the SBIC again.

    So I’m speaking from at least a little experience albeit indirectly with the SBIC, as I ve never been a GP in a fund that had SBIC leverage.

    The article starts off saying that “Matthew Varilek has traveled across the state, proselytizing the potential benefits of the Small Business Investment Company Program.” As a partner in one of the most visible VC firms in Colorado and an LP in many of the Colorado VC firms, I’ve never heard from Matthew or anyone from the SBIC. Matthew, if you really want to have a deep discussion about why the SBIC program isn’t effective for VC funds anymore, feel free to give me a shout. I’d be happy to meet with you.

    Next, there is the wonderful PR quote about the SBIC that says “Since the program s inception, SBIC success stories include the funding of companies such as Apple, Costco and FedEx when they were burgeoning small businesses.” The SBIC was instrumental in the creation of the venture capital business. The Small Business Investment Act of 1958 helped catalyze many of the VC firms created in the early 1960s. When I first heard about VC firms in the late 1980s, and my first company (Feld Technologies) started writing portfolio management software for some Boston-based VC firms, many of them had funds with SBIC leverage, although even by the late 1980s this was changing and many of them had shifted away from the SBIC. If you want to see a fun quote on it, read A History of Silicon Valley which quotes:

    “ …many venture capital pioneers think the SBIC program did little to advance the art and practice of venture investing. The booming IPO market proved the model of investing in new companies, as some SBICs cash out at attractive levels. SBICs did give a boost to early venture firms, and some like Franklin “Pitch” Johnson, profiled below, thought the new law made the US “see that there was a problem and that [venture investing] was a way to do something… it formed the seed of the idea and a cadre of people like us.” Bill Draper, the first West Coast venture capitalist, has been more blunt: “[Without it] I never would have gotten into venture capital. it made the difference between not being able to do it, not having the money.” Many believe SBICs filled a void from 1958 to the early 1970s, by which point the partnership-based venture firms took off. The US government, however, lost most of the $2 billion it put into SBIC firms.

    So, while Apple, Costco, and FedEx benefited, the PR would be more credible if the SBIC was trumpeting iconic companies created after 1990 or even 2000, especially where the lead investors (rather than follow on investors) had SBIC capital.

    Peter Adams, head of Rockies Venture Club, is quoted a few times. I like and respect Peter, so this isn t aimed at him, but rather at the clear lack of understanding of the capital dynamics around VC funds.

    It looks really great on the surface, said Peter Adams, executive director of the Rockies Venture Club, a nonprofit aimed at connecting investors and entrepreneurs. Then when you dig into it, there were some problems. Adams, who has been involved in many of the meetings with the SBA and members of the investment community, said the greatest concerns voiced by investors and venture capitalists involved management team qualifications, investment track records and the addition of debt to the equation. No. 1 for us is they want a management team with multiple people that have track records in venture capital and have worked together as a team before, he said. I can see where they re going with it, but the VC industry in Colorado has been fairly decimated through the economic downturn.

    Peter is right about the context, but has two fundamental things wrong here. First, the VC industry in Colorado wasn t decimated through the economic downtown. It was decimated because of lack of performance between 2001 and 2009, just like much of the rest of the VC industry around the US. There s nothing special about Colorado in this mix, and it has nothing to do with the economic downtown. This dynamic has been reported thousands of times so I don t need to go through it again, but we don t have to look back very far to hear the drum beat from the media, LPs, and everyone else about how VC is dead. And if you re curious, it wasn t too long ago that Silicon Valley was also dying .

    The other problem here is the need of the SBIC to invest in a management team with multiple people that have track records in venture capital and have worked together as a team before. Any VC firm that fits this qualification is unlikely to have difficulty raising money in today s environment, and subsequently has no need for the SBIC leverage. And, more importantly, the only firms that will look for SBIC leverage are one s that don t have this, which is a classic adverse selection problem.

    Then there s this:

    The recession also then plays into requirements that the management team members have been involved in a meaningful number of successful exits during a four- to six-year period. From 2008 to 2013, that was not a good time for exits, Adams said.

    Huh, what? At Foundry Group, our significant exits (at least 10x capital returned) since we raised our first fund in 2007 include AdMeld, Zynga, MakerBot, and Gnip. We ve had plenty of other exits, but these are the big ones. One of those companies, Gnip, is Boulder-based and another from our older funds (Rally Software) also generated a greater than 10x return for us. Techstars (which we helped start) have also had a steady stream of significant exits, including local Boulder companies like Filtrbox, GoodApril, and SocialThing. And then you ve got plenty of Boulder / Denver monsters on paper some in our portfolio (like SendGrid and Sympoz) and others like Zayo, Ping, Logrhythm, and Datalogix. Finally, if you look across the country, the exits have been awesome the past three years.

    It keeps going. There s talk about the angel cliff (e.g. we need funds to invest between angels and VCs nope, been there remember gap capital not so effective) and the SBA rules and regulations (which I believe are toxic and inhibiting to a successful VC fund.)

    One of the other problem is SBA and SBIC s behavior in governance of the fund. The paperwork is silly and the overhead is non-trivial. The control over distributions and negative incentives to hold or distribute capital often generates bad decisions when companies go public. And at least one close friend who is a partner in an SBIC fund has now found a new LP to buy out the SBIC so they could actually invest capital in their winners, rather than be limited by the SBIC s constraints on the amount of capital you can invest in any particular company.

    The SBIC could be a powerful force for good in the venture capital industry. But it has to approach things very different and based on my experience with the SBA over the past decade, I don t see it happening unless there is real leadership somewhere in coordination with leaders in the VC industry. I m certainly willing to help, if only someone bothered to reach out to me.

    UPDATE: It turns out my partner Seth Levine had met with Matthew a while ago. Seth said Your blog was right on and much of the type of thing I related to Matt and some senior guys he brought in. The gist of my conversation with them was pushing them to consider a different model that the current one basically led to lowest common denominator GPs and sub-optimal returns. Plus the SBIC leverage could be crushing. I don t think they have a ton of flexibility around this but they at least listened to the feedback. I m going to see a bunch of them in a few weeks I agreed to help judge a business plan competition they were hosting. Like you I m not a huge fan of the program as it has existed but I give the new guys some credit for both reaching out and trying to be proactive about thinking through this.

    UPDATE 2: Matthew Varilek reached out to me and we are setting up a time to talk.





    New start up business help: Work from home 20 hours a week

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    Top 7 best business mobiles in the UK in 2016: top smartphones

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    TechRadar pro

    Top 7 best business mobiles in the UK in 2016: top smartphones for work

    Impressive security features

    Not premium build quality

    When the Priv launched, it took a lot of analysts by surprised because of radical step involving the OS. BlackBerry had finally decided to embrace Android and re-introduce the keyboard (albeit a slide out one) on a flagship handset. It is, as techradar’s John McCann candidly puts it, the mullet of the smartphone world. “It’s still business in the front, but now there’s a party in the back too. It will divide opinion, but this is the best BlackBerry in years,” he added. The device will appeal to those who wants the security halo associated with BlackBerry with the ubiquity of Google’s Android. Overall, it remains a stunning piece of kit, and probably one bound to become a classic.

    3. BlackBerry Classic

    For those who yearn for the golden age of BB OS

    Great messaging capabilities

    Old-school QWERTY keyboard

    Square screen not for everyone

    Pretty hefty phone

    There are still BlackBerry fans out there and the Canadian company unveiled the Classic to please them all. An old-school QWERTY keyboard, a familiar operating system and user interface, a design that doesn’t age and the enterprise-grade security are all on the feature list of this smartphone. Sure, Android might well have the upper hand when it comes to market share and the sheer number of applications but BlackBerry provides with yet another attractive alternative when it comes to business smartphones. It runs BlackBerry OS 10 with a square 720×720 pixel touchscreen display, a touchpad and up to 22-hour battery power.

    4. Samsung Galaxy S6

    A secure and compelling offering for BYOD aficionados

    Disappointing battery longevity

    With every iteration of its Galaxy S series, Samsung edges towards the business user. The S6 (and its partner the S6 Edge) saw the inclusion of Microsoft Office Android applications as well as Samsung’s own mobile device management container solution, Knox. The latter provides military-grade, multi-layered mobile security. Siloed personal and work partitioning containers (Knox Workspace) means that employers can separate work and personal life in a near seamless way. Great for BYOD aficionados. Samsung also wisely scrapped the plastic finish for a more upmarket design that blends glass and metal.

    5. Samsung Galaxy Note 4

    A more productive way to be mobile

    Oodles of power

    Some will find it too big

    Since the Note 5 is not officially available in the UK, the best Android-based device with a pen remains the Note 4, still a very capable device. Multi-tasking is part of the parcel of business these days and what better phone to handle this than the Galaxy Note 4 with its stunning QHD (better than full HD) 5.7-inch display, 3GB of RAM and serious power inside. A great battery life and expandable memory have always been key Galaxy Note features, but you can now add a more premium design to that list. A metal frame runs round the circumference of the handset, and while the rear is still plastic it’s a big step forward for Samsung and it’s a welcome addition. The S Pen has been given a boost with greater accuracy, making handwriting and multi-tasking even easier. Snap two apps side by side on screen if you want to up your efficiency even more.

    6. Apple iPhone 6S Plus

    The alternative business smartphone

    Bright and vibrant screen

    3D Touch has definite potential

    Supersized smartphones are all the rage these days, even Apple has one, and if the Cupertino firm’s styling and iOS heritage appeals to your business then check out the excellent iPhone 6S Plus. Its 5.5-inch display is one of the best on the market and the A9 processor that powers it regularly ranks amongst the most powerful in smartphone-dom. It supports more LTE bands than most smartphones and its enclosure is made of the same grade of aluminium alloy as used in the aerospace industry. Add in Siri and a bunch of other innovations (like Touch ID and 3D Touch) and you have a very capable business phone, one whose profile was raised by Apple’s close collaboration with IBM.

    7. Lenovo K80M

    A handset which boasts sizzling bang for buck

    Great value for money

    Plentiful RAM and storage

    No local warranty

    Some pre-installed bloatware

    This smartphone is worthy of a special mention on this list as a business phone for a number of reasons. It is built by Lenovo, the biggest PC manufacturer on the planet, one who also owns Motorola as well. It’s shipped directly from China which is a novel but growing shift in the way products are purchased. It has a headline-grabbing 4GB of RAM, same as most desktop PCs, and 64GB of storage. Despite these specs and a quad-core Intel CPU it retails for a fraction of what similar smartphones will cost over here. Sadly though, because it doesn’t have a local warranty you will need to send it back for repairs.

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    Small Business Administration – Best Places to Work #professional #business #cards

    #small business administration

    #

    How is the index score calculated?

    The overall rankings are determined by the agencies Best Places to Work index scores, which measure employee satisfaction and commitment.

    The index score is not a combined average of an agency s category scores. It is calculated using a proprietary weighted formula that looks at responses to three different questions in the U.S. Office of Personnel Management s Federal Employee Viewpoint Survey. The more the question predicts intent to remain, the higher the weighting.

    • I recommend my organization as a good place to work. (Q. 40)
    • Considering everything, how satisfied are you with your job? (Q. 69)
    • Considering everything, how satisfied are you with your organization? (Q. 71)

    Why are agencies grouped by size?

    We group agencies by workforce size to provide comparisons of agencies that may face similar management challenges in terms of numbers of employees and locations. The groupings have undergone several changes over the years. In 2003 the rankings featured only one list of agencies, including agencies as large as the Department of Defense (over 600,000 employees) and as small as the Office of Management and Budget (450 employees).

    Number of Full-time, Permanent Employees by Group

    Large More than 15,000 Mid-size 1,000 to 14,999 Small 100 to 999

    Subcomponents, the subagencies, bureaus, divisions, centers and offices within agencies need to have at least 100 femployees.

    The number of employees was determined by using OPM s FedScope database. Our criterion was based on the number of permanent employees as of fiscal year 2014, unless otherwise noted.

    Why aren t past rankings shown?

    We have different numbers of agencies participating in the rankings. For example, in 2007, 222 subcomponents participated in the rankings and the median rank was 111. In 2015, 315 subcomponents participated in the rankings and the median rank was 157. We also have made changes to the ranking s categories. For these reasons, the rank is not the most accurate reflection of an agency s performance over time. We recommend focusing on score and quartile trends instead.

    Why would an agency not have scores in some categories?

    The Consumer Financial Protection Bureau, Federal Deposit Insurance Corporation, Government Accountability Office, Intelligence Community, Millennium Challenge Corporation, Office of the Inspector General at the Tennessee Valley Authority, Peace Corps, Smithsonian Institution, and U.S. Army Audit Agency do not participate in the OPM survey but conduct comparable surveys that include our three index questions. These agencies may or may not include the questions required for the category scores.

    Why would an agency not have scores for some demographics?

    To calculate a Best Places to Work index score for a demographic group at an agency, we require at least 30 respondents in the category. If there were fewer than 30, we did not report a score.

    Small Business Administration

    The Best Places to Work in the Federal Government rankings are produced by the Partnership for Public Service a nonprofit, nonpartisan organization committed to improving the effectiveness of government. As part of our strategy for change, we work with numerous agencies, many of which are represented in our Best Places to Work profiles and rankings, on everything from improving employee satisfaction and commitment to leadership development.

    1100 New York Ave NW
    Suite 200 East
    Washington, DC 20005
    (202) 775-9111

    2016 Partnership for Public Service





    10 Best Work From Home Jobs – Ideas for Working at Home

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    The Top 10 Best Jobs You Can Do from Home

    If you don’t relish the thought of hustling to a workplace every day or you’re having a hard time securing a local gig, there’s never been a better time to work from home: More than 40 million Americans do it, according to the advocacy group Telework Coalition. And as the economy improves, more companies will be looking for additional staff. For most at-home jobs, you’ll need a computer and an Internet connection, some basic skills and a can-do attitude. Click through this list of 10 employment areas that are booming right now.

    Advertisement – Continue Reading Below

    The Job: Survey Taker

    What It Pays: $1 to $50 per survey, depending on how much time is required

    What It Is: You might take an opinion poll, answer questions about shopping habits or review a product. You’re generally paid in cash (PayPal or mailed check) or with points that can be redeemed for gift cards.

    How to Get It: Visit companies such as DarwinsData.com. PineconeResearch.com and PaidViewpoint.com. (Search “surveys” on RealWaystoEarnMoneyOnline.com for more options.) Then sign up with as many sites as you can. The sites will contact you when surveys that fit your demographic pop up, and you take them right away. A word to the wise: Do not register anywhere that has a membership fee, asks for your Social Security number or bank information, or is vague about payment.

    The Job: Website Tester

    What It Pays: $10 to $15 per test

    What It Is: Many companies pay online testers to make sure websites are intuitive and easy to navigate. “You basically follow the instructions you’re given to check out the website,” says Anna Thurman, founder of RealWaysToEarnMoneyOnline.com. a site that has reviewed more than 500 online work opportunities. “It usually only takes about 15 minutes per test.” Thurman recommends registering with 10 to 12 different companies since the opportunities to test these sites are doled out first come, first served. “There are people who make $100 to $200 a month by staying on top of those tests,” Thurman says.

    How to Get It: Begin with sites like UserTesting.com. YouEye.com and Userlytics.com. Register with multiple companies for opportunities to test as many websites as possible. Once you’re in the system, you’ll be emailed when testers are needed, and if you’re one of the first to respond, expect to spend 15 to 20 minutes completing the test. Many sites require a microphone and/or webcam, which are built into most laptops—but if you need to buy one, they aren’t expensive. The tester sites typically pay within a week or two via PayPal.

    What It Pays: It depends on the company, but you typically take home 20% to 35% of sales in commissions.

    Perfect For: Someone with an entrepreneurial spirit, loads of energy and a love of meeting new people.

    What It Is: Think Avon or Mary Kay—you organize get-togethers to sell a company’s wares, whether those are bath products, gardening supplies, books or wine. Over time, you build a base of clients.

    How to Get It: You can apply directly through the companies, such as Stella & Dot, a jewelry company that had over $100 million in sales in 2010. A few other good ones include Silpada (jewelry), The Pampered Chef (kitchenware) and Dove Chocolate Discoveries. You can also visit the Direct Selling Association website at DirectSelling411.org —all the companies listed there agree to abide by a code of ethics, so they only offer legitimate opportunities. Typically reps make a small investment to get started (this is a legitimate and standard practice), and sometimes pay a fee for the merchandise being sold. After that you can work as much or as little as you want, and see profit based on how much you sell.

    What It Pays: Around $15 an hour

    Perfect For: Native English speakers with basic computer skills and an interest in other cultures who love chatting online or over the phone. Office experience is very helpful, since most students work in a corporate environment.You also need your own computer and a high-speed Internet connection. If you’re bilingual, that’s a plus.

    What It Is: Students in countries including Japan, Korea, France and Germany are looking for English speakers to practice with. Sessions focus on things like making professional small talk or running a meeting (trainers are provided with specifics on how to teach each topic, and are also trained themselves for two days before starting the job). Lessons take place either over the phone or on a live Internet video service like Skype—sometimes at night, because you’re working with students in different time zones. You need to commit to a minimum of 20 hours a week at consistent times, and can work as many as 35 hours.

    How to Get It: GoFluent.com is an English training company working with 12 of the world’s largest corporations. There are also jobs out there for English as a Second Language (ESL) teachers, which are more structured. Visit ISUS (iSpeakUSpeak.com ), a placement and training company. While a degree in education or ESL is ideal, you are encouraged to apply if you are enthusiastic and articulate.

    The Job: Telephone Nurse

    What It Pays: Competitive with a regular nursing salary, which is $50,000 or more

    Perfect For: Someone with a nursing degree.

    What It Is: Health insurers or other health management companies, including Humana, Aetna and UnitedHealth Group, hire nurses remotely to perform duties like case management, treatment authorization and patient education.

    How to Get It: To find the right position for you, check out the listings at major medical-job placement firms like MedicalJobsOnline.com. The Judge Group (Judge.com ), and MedZilla (Medzilla.com ).

    Advertisement – Continue Reading Below

    The Job: Search Engine Evaluator

    What It Pays: $9 to $10 an hour

    Perfect For: English speakers who are up on movies and music, as well as those familiar with other cultures.

    What It Is: Companies like Google and Yahoo! give you information to search for, and you tell them how closely their results matched what you were looking for. Does a search for Lady Antebellum turn up sites about the music group or links to pre–Civil War period information? If you are Latina, for example, you might be asked to search the way a Spanish speaker might perform a search in English. Jobs are usually between 10 to 25 hours a week.

    How to Get It: Most companies hire through firms like Leapforce At Home (LeapforceAtHome.com ) and Appen Butler Hill (AppenButlerHill.com ).

    Kristiane Vey/Jump Fotoagentur





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    Why The SBIC Doesn – t Work For Venture Capital Anymore –

    #small business investment company

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    Why The SBIC Doesn t Work For Venture Capital Anymore

    There are so many things wrong in the article I felt compelled to write about it. This isn t a knock on the writer (Alicia Wallace) I like Alicia and think she does a good job. Rather, it s an example of the difference between signal and noise in any kind of reporting around the VC industry.

    I’m an investor in over 40 VC funds around the world (mostly in the US) and three of them are SBIC funds. Each of the SBIC funds were raised in the 2000 2002 time period. On paper, only one is in positive return territory as a fund, but the SBIC leverage is a substantial negative factor for the LP investors in that particular fund. And, in the other two, I don’t expect to ever see any of my capital back because of the SBIC leverage. Furthermore, I don t believe any of the GPs in any SBIC-backed fund would ever take money from the SBIC again.

    So I’m speaking from at least a little experience albeit indirectly with the SBIC, as I ve never been a GP in a fund that had SBIC leverage.

    The article starts off saying that “Matthew Varilek has traveled across the state, proselytizing the potential benefits of the Small Business Investment Company Program.” As a partner in one of the most visible VC firms in Colorado and an LP in many of the Colorado VC firms, I’ve never heard from Matthew or anyone from the SBIC. Matthew, if you really want to have a deep discussion about why the SBIC program isn’t effective for VC funds anymore, feel free to give me a shout. I’d be happy to meet with you.

    Next, there is the wonderful PR quote about the SBIC that says “Since the program s inception, SBIC success stories include the funding of companies such as Apple, Costco and FedEx when they were burgeoning small businesses.” The SBIC was instrumental in the creation of the venture capital business. The Small Business Investment Act of 1958 helped catalyze many of the VC firms created in the early 1960s. When I first heard about VC firms in the late 1980s, and my first company (Feld Technologies) started writing portfolio management software for some Boston-based VC firms, many of them had funds with SBIC leverage, although even by the late 1980s this was changing and many of them had shifted away from the SBIC. If you want to see a fun quote on it, read A History of Silicon Valley which quotes:

    “ …many venture capital pioneers think the SBIC program did little to advance the art and practice of venture investing. The booming IPO market proved the model of investing in new companies, as some SBICs cash out at attractive levels. SBICs did give a boost to early venture firms, and some like Franklin “Pitch” Johnson, profiled below, thought the new law made the US “see that there was a problem and that [venture investing] was a way to do something… it formed the seed of the idea and a cadre of people like us.” Bill Draper, the first West Coast venture capitalist, has been more blunt: “[Without it] I never would have gotten into venture capital. it made the difference between not being able to do it, not having the money.” Many believe SBICs filled a void from 1958 to the early 1970s, by which point the partnership-based venture firms took off. The US government, however, lost most of the $2 billion it put into SBIC firms.

    So, while Apple, Costco, and FedEx benefited, the PR would be more credible if the SBIC was trumpeting iconic companies created after 1990 or even 2000, especially where the lead investors (rather than follow on investors) had SBIC capital.

    Peter Adams, head of Rockies Venture Club, is quoted a few times. I like and respect Peter, so this isn t aimed at him, but rather at the clear lack of understanding of the capital dynamics around VC funds.

    It looks really great on the surface, said Peter Adams, executive director of the Rockies Venture Club, a nonprofit aimed at connecting investors and entrepreneurs. Then when you dig into it, there were some problems. Adams, who has been involved in many of the meetings with the SBA and members of the investment community, said the greatest concerns voiced by investors and venture capitalists involved management team qualifications, investment track records and the addition of debt to the equation. No. 1 for us is they want a management team with multiple people that have track records in venture capital and have worked together as a team before, he said. I can see where they re going with it, but the VC industry in Colorado has been fairly decimated through the economic downturn.

    Peter is right about the context, but has two fundamental things wrong here. First, the VC industry in Colorado wasn t decimated through the economic downtown. It was decimated because of lack of performance between 2001 and 2009, just like much of the rest of the VC industry around the US. There s nothing special about Colorado in this mix, and it has nothing to do with the economic downtown. This dynamic has been reported thousands of times so I don t need to go through it again, but we don t have to look back very far to hear the drum beat from the media, LPs, and everyone else about how VC is dead. And if you re curious, it wasn t too long ago that Silicon Valley was also dying .

    The other problem here is the need of the SBIC to invest in a management team with multiple people that have track records in venture capital and have worked together as a team before. Any VC firm that fits this qualification is unlikely to have difficulty raising money in today s environment, and subsequently has no need for the SBIC leverage. And, more importantly, the only firms that will look for SBIC leverage are one s that don t have this, which is a classic adverse selection problem.

    Then there s this:

    The recession also then plays into requirements that the management team members have been involved in a meaningful number of successful exits during a four- to six-year period. From 2008 to 2013, that was not a good time for exits, Adams said.

    Huh, what? At Foundry Group, our significant exits (at least 10x capital returned) since we raised our first fund in 2007 include AdMeld, Zynga, MakerBot, and Gnip. We ve had plenty of other exits, but these are the big ones. One of those companies, Gnip, is Boulder-based and another from our older funds (Rally Software) also generated a greater than 10x return for us. Techstars (which we helped start) have also had a steady stream of significant exits, including local Boulder companies like Filtrbox, GoodApril, and SocialThing. And then you ve got plenty of Boulder / Denver monsters on paper some in our portfolio (like SendGrid and Sympoz) and others like Zayo, Ping, Logrhythm, and Datalogix. Finally, if you look across the country, the exits have been awesome the past three years.

    It keeps going. There s talk about the angel cliff (e.g. we need funds to invest between angels and VCs nope, been there remember gap capital not so effective) and the SBA rules and regulations (which I believe are toxic and inhibiting to a successful VC fund.)

    One of the other problem is SBA and SBIC s behavior in governance of the fund. The paperwork is silly and the overhead is non-trivial. The control over distributions and negative incentives to hold or distribute capital often generates bad decisions when companies go public. And at least one close friend who is a partner in an SBIC fund has now found a new LP to buy out the SBIC so they could actually invest capital in their winners, rather than be limited by the SBIC s constraints on the amount of capital you can invest in any particular company.

    The SBIC could be a powerful force for good in the venture capital industry. But it has to approach things very different and based on my experience with the SBA over the past decade, I don t see it happening unless there is real leadership somewhere in coordination with leaders in the VC industry. I m certainly willing to help, if only someone bothered to reach out to me.

    UPDATE: It turns out my partner Seth Levine had met with Matthew a while ago. Seth said Your blog was right on and much of the type of thing I related to Matt and some senior guys he brought in. The gist of my conversation with them was pushing them to consider a different model that the current one basically led to lowest common denominator GPs and sub-optimal returns. Plus the SBIC leverage could be crushing. I don t think they have a ton of flexibility around this but they at least listened to the feedback. I m going to see a bunch of them in a few weeks I agreed to help judge a business plan competition they were hosting. Like you I m not a huge fan of the program as it has existed but I give the new guys some credit for both reaching out and trying to be proactive about thinking through this.

    UPDATE 2: Matthew Varilek reached out to me and we are setting up a time to talk.





    Gmail – for – Work – – корпоративный почтовый ящик, хранилище данных

    #business email

    #

    Gmail

    Gmail for Work

    Gmail отлично работает с такими почтовыми клиентами, как Microsoft Outlook, Apple Mail и Mozilla Thunderbird. Пользователи Outlook могут синхронизировать сообщения, мероприятия и контакты с Google Apps.

    Простой переход с Outlook и других сервисов

    Благодаря специальным инструментам вы без труда перенесете почту из Outlook, Exchange или Lotus, не потеряв ни одного сообщения. Узнайте, что думают о переходе на Google Apps наши клиенты.

    Бесперебойная работа

    Сверхнадежные серверы Google обеспечивают доступность сервисов в течение 99,9% времени и без плановых простоев, а резервное копирование, спам-фильтры и передовые функции безопасности надежно защищают ваши данные.

    “За 20 минут мы настроили Google Apps, создали имя пользователя и пароль для каждого сотрудника и подключили 30 менеджеров во всех регионах, где расположены наши магазины”.

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    Вопросы о Gmail

    Каковы преимущества платной версии Gmail?

    Платная версия Gmail обладает множеством преимуществ, таких как адрес электронной почты в домене вашей компании, неограниченное количество групповых адресов, гарантия безотказной работы сервисов в течение 99,9% времени, в два раза больше места для хранения, чем в бесплатной версии Gmail, отсутствие рекламы, круглосуточная поддержка, Google Apps Sync for Microsoft Outlook и многие другие.

    Может ли у одного пользователя быть несколько адресов?

    Да. Для этого используются псевдонимы. У пользователя может быть до 30 псевдонимов электронной почты.

    Можно ли перенести в Google Apps почту из имеющегося приложения?

    Да. Инструменты переноса позволяют импортировать письма из различных приложений и сервисов, в том числе Lotus Notes и Microsoft.





    Hot new business ideas, how does comcast internet work #hot #new #business

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    Marriage expert shares keys to successful relationships at home, work #buying #a

    #business at home

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    A marriage expert says doing these 3 things will help you have successful relationships at home and at work

    Forty hours a week is a lot of time to spend with someone you can’t stand.

    That’s why it’s so important to foster positive relationships at work.

    Psychologist and couples counselor John Gottman spent 40 years researching exactly what goes into healthy relationships, and he posited in his book, “The Relationship Cure ,” that the same principles that make marriages work also hold true for other kinds of relationships.

    “Relationships in the workplace, including friendships, collegial relationships, and relationships with superiors or subordinates, are human relationships,” Dr. Michael McNulty, a m aster trainer from the Gottman Institute and founder of the Chicago Relationship Center. tells Business Insider. “Much of the same advice given to spouses who seek to make their marriages work also applies to people who want good, productive relationships with their coworkers.”

    According to Gottman’s research, any relationship that involves people trying to live and work closely together should be built on trust and commitment and involve positivity, friendship, and successful conflict management.

    First and foremost, good friendships in a company occur when employees feel like they can trust one another. Workers have to mostly feel like their bosses and coworkers are acting in their best interests or at least trying to. They have to feel like they have one another’s backs. It is only then that they will feel safe and motivated to invest in their relationships in the workplace.

    In love or at work, people who do these three things are most likely to have positive relationships:

    View As: One Page Slides

    Francisco Osorio/flickr

    Get to know people

    In marriage, research tells us that knowing one’s partner and the important parts of one’s partner’s world is the basis for friendship and positivity. Spouses feel important when others take time to get to know them. The same holds true at work.

    He says that managers and employees who feel like people are trying to get to know them and care enough to ask about their lives are more likely to feel positive about others at work.

    WOCinTech Chat/flickr

    Appreciate others

    People are also more likely to feel positive about work-based friendships if they feel appreciated.

    McNulty teaches a course that includes a video of a therapist working with a real couple who started a company together.

    At one point, the woman says to the man, “I would almost work free if you would just tell me you appreciate what I do more often.” Her revelation speaks to how much people may need to feel appreciated by those close to them.

    While most employees will not work for free, they feel a lot more positive about work when they feel appreciated, and they feel most positive about those in the workplace who express authentic appreciation for their talents and contributions.

    Expressing appreciation, he says, could be as simple as commending a colleague on how well they spoke in a meeting or how reliable they are because they arrive to work early every day. The key is using positive adjectives and then backing them up with specific examples.

    “If you think it, try and say it,” McNulty says. “And if you’re not thinking positive thoughts, that may mean that you’re scanning for the negative too much and you need to get back into thinking about what you appreciate about the people around you.”

    ANG SHERPA/flickr

    Make time for others

    “As in marriage, people who know and appreciate one another are better positioned to connect with one another,” McNulty says.

    He says that spouses who develop rituals for connecting with each other like date night, nightly walks, or phone calls to check in do better in relationships. Similarly, coworkers who find ways to remain connected keep their work relationships in a more positive place.

    “That’s why talks around the water cooler, lunch dates, sports teams, and happy hour become so important,” McNulty says.

    “That’s also why teams and managers have to be sensitive about making assignments of who does what with whom on work projects,” he adds. “For some employees, their routines of doing projects with certain colleagues may be their way of checking in and remaining connected.”

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    New start up business help: Work from home 20 hours a week

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    New start up business help

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    Small Business Administration – Best Places to Work #small #business #website

    #small business administration

    #

    How is the index score calculated?

    The overall rankings are determined by the agencies Best Places to Work index scores, which measure employee satisfaction and commitment.

    The index score is not a combined average of an agency s category scores. It is calculated using a proprietary weighted formula that looks at responses to three different questions in the U.S. Office of Personnel Management s Federal Employee Viewpoint Survey. The more the question predicts intent to remain, the higher the weighting.

    • I recommend my organization as a good place to work. (Q. 40)
    • Considering everything, how satisfied are you with your job? (Q. 69)
    • Considering everything, how satisfied are you with your organization? (Q. 71)

    Why are agencies grouped by size?

    We group agencies by workforce size to provide comparisons of agencies that may face similar management challenges in terms of numbers of employees and locations. The groupings have undergone several changes over the years. In 2003 the rankings featured only one list of agencies, including agencies as large as the Department of Defense (over 600,000 employees) and as small as the Office of Management and Budget (450 employees).

    Number of Full-time, Permanent Employees by Group

    Large More than 15,000 Mid-size 1,000 to 14,999 Small 100 to 999

    Subcomponents, the subagencies, bureaus, divisions, centers and offices within agencies need to have at least 100 femployees.

    The number of employees was determined by using OPM s FedScope database. Our criterion was based on the number of permanent employees as of fiscal year 2014, unless otherwise noted.

    Why aren t past rankings shown?

    We have different numbers of agencies participating in the rankings. For example, in 2007, 222 subcomponents participated in the rankings and the median rank was 111. In 2015, 315 subcomponents participated in the rankings and the median rank was 157. We also have made changes to the ranking s categories. For these reasons, the rank is not the most accurate reflection of an agency s performance over time. We recommend focusing on score and quartile trends instead.

    Why would an agency not have scores in some categories?

    The Consumer Financial Protection Bureau, Federal Deposit Insurance Corporation, Government Accountability Office, Intelligence Community, Millennium Challenge Corporation, Office of the Inspector General at the Tennessee Valley Authority, Peace Corps, Smithsonian Institution, and U.S. Army Audit Agency do not participate in the OPM survey but conduct comparable surveys that include our three index questions. These agencies may or may not include the questions required for the category scores.

    Why would an agency not have scores for some demographics?

    To calculate a Best Places to Work index score for a demographic group at an agency, we require at least 30 respondents in the category. If there were fewer than 30, we did not report a score.

    Small Business Administration

    The Best Places to Work in the Federal Government rankings are produced by the Partnership for Public Service a nonprofit, nonpartisan organization committed to improving the effectiveness of government. As part of our strategy for change, we work with numerous agencies, many of which are represented in our Best Places to Work profiles and rankings, on everything from improving employee satisfaction and commitment to leadership development.

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    Home Based Business for Sale NZ, Small work from home NZ Businesses

    #home business opportunities

    #

    Home Based Businesses for Sale

    Search over 3,000 Businesses for Sale New Zealand wide. or subscribe to our very latest NZ businesses for sale. Before you buy a business contact several sellers of the businesses for sale NZ that interest you, to learn what s on offer and become better informed.

    Looking for a Large or Small Home Based Business for Sale NZ or Home Based Business Opportunities NZ? Search through 72 Home Based Businesses for Sale on NZ Biz Buy Sell, and check out New Zealand’s leading Small Business for Sale NZ listings.

    Find a work from Home countryCode] opportunity or choose from over 2500 businesses for sale New Zealand wide. Looking to list your Home Based Business NZ for Sale? See how to sell a Home Business

    Save this search (“Home Based Businesses for Sale”) and email me the latest listings.

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    • New business partner Require Business for Sale | New Zealand | $15,000

    HUGE ROI 250% within a year. Golden opportunity in NZ for one selcted business person. [more. ]

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  • Coffee News Business for Sale | Palmerston North and Wanganui | $8,000

    Two areas, Palmerston North and Wanganui. Coffee News is the world’s most popular restaurant publication and has been operating in New Zealand since 2001. [more. ]

  • Advertising Service Business for Sale | Invercargill | $8,000

    Coffee News is the world’s most popular restaurant publication and has been operating in New Zealand since 2001. [more. ]

  • Advertising Service Business for Sale | Queenstown | $8,000

    Queenstown Coffee News. Become part of the world’s most popular restaurant publication and has been operating in New Zealand since 2001. [more. ]

    Mobile lunch bars capable of significant expansion and / or franchising [more. ]

  • Equipment sale, hire and servicing Business for Sale | Auckland | $680,000

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  • What are hot new business ideas, will nest thermostat work in my

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    What are hot new business ideas

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    So you know you want to start a business. but you’re not sure what kind of. your decision easier by spotlighting 12 of today’s hottest business ideas. New laws allowing online wine sales may have entrepreneurs giddy with.If passwords are stolen and bank accounts are drained, it will probably make headlines, no one will ever do business with you. So what are our main. what are hot new business ideas To learn more about this business idea, check out Start Your Own Cleaning Service. 7. COMPUTER. You want people to come back time and again to see what’s new. Follow Entrepreneur on Facebook to join the discussion on hot topics.Founders 40 Small Business Week The Inc. Life Icons of Entrepreneurship Hot Spots. You should reinvest what you make into the business to help it grow faster. If you’re still stuck on business ideas that you can launch while working. they both involve using your vehicle to start a new business .

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    Small Business Loans: How They Work and What You Should Know #stock

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    #

    Small Business Loans: How They Work and What You Should Know

    Small Businesses are increasing their payrolls, but hours worked and wages earned are down slightly. Photo: Reuters

    For small business startups, knowing how loans work and getting them are absolutely crucial.

    Many entrepreneurs, however, wait until the last minute to think about loans and prefer to dwell on grandiose plans, never mind that they often need loans to fund those plans.

    Asking for loans is “unpleasant; it’s like asking your dad for the car keys,” said Charles H. Green, Executive Director at the Small Business Finance Institute and author of The SBA Loan Book .

    Small businesses should start this “unpleasant” process early, however, partly because it could prove to be long and difficult.

    One entrepreneur Green encountered secured his loan at the 60th bank he approached.

    While this might be an extreme example, small business owners often need to try at more than one bank to get a small business loan.

    During the process of dealing with a bank, moreover, they may be asked to provide additional documents they previously did not anticipate needing.

    Green stressed that small business owners need to be patient in this entire process.

    Banks Want Their Money Back

    In making any small business loans, the goal of the bank is to get its money back. Even if the loan is made through the Small Business Administration (SBA), it is still a bank that ultimately risks its capital.

    Banks usually get their money back from the borrower’s revenues. If that is not possible, banks can also get their money back from selling assets pledged as collateral or from the small business owners personally.

    Therefore, besides documents relating to the business projections, banks may often request documents relating to the personal finances of the small business owner and whatever assets that can be pledged as collateral.

    Backing up Projection Numbers

    Regarding business projection numbers – that is, assessing the probability of repayment from borrower revenues – it is all about justifying those numbers, preferably with facts, said Green. For existing businesses, that may mean financial statements.

    Some of the hard questions a lender may ask include:

    *How many customers do you need?

    *How do you find them?

    *Who are satisfying these customers already?

    *Why would they feel compelled to buy from you?

    *What is your capacity to deliver those products?

    *What is the cost to deliver those products?

    Learning from Mistakes

    Sometimes, the best efforts of small businesses to secure a loan are not good enough.

    When rejections happen, Green recommended turning them into learning lessons. Often times, if the small business owner manages to remain calm and polite, he can get candid responses as to why he was rejected.

    These explanations often turn into keys to successfully securing a loan from another bank in the future.

    Choosing the Right Banks

    Other times, though, a rejection from a bank has nothing to do with the borrower at all. That is, a lender may not have any money to lend.

    Therefore, Green recommended that small businesses avoid banks under consent agreement with or issued a cease and desist order by the Federal Deposit Insurance Corporation (FDIC).

    Generally speaking, smaller banks have more flexibility in their lending standards while bigger banks usually offer cheaper rates, added Green.





    Work From Home Business Ideas for 2016 #small #business #ideas

    #work from home business ideas

    #

    Cue the Inspiration: 5 Great Work From Home Business Ideas for 2016

    The world of business is changing. No longer do enterprise entrepreneurs have to be onsite to oversee the construction of their latest venture.

    Instead, they can monitor the progress of their startups on a smartphone, from home.

    That’s not to imply that starting a new business is much easier nowadays. On the contrary, the fantastic opportunities that technology provides also give rise to a commensurate rise in competition, as the barriers to entry get lower and lower.

    So technology allows us to work more effectively from wherever we are provided there’s a fast, reliable Internet connection.

    But having the ability to work from a home office doesn’t automatically mean you’re in a position to take advantage of that opportunity unless you have the perfect business idea in hand.

    Here’s a list of small business ideas that are perfect for home-based entrepreneurs seeking low capital investment, but great growth and profit potential. Perfect for aspirational stay-at-home moms, or people looking to start an online business.

    1. Online Drone Repair and Maintenance Service

    Something like 45,000 drones were registered within two days of the Federal Drone Registration site going live with 300,000 registered in only 30 days. Potentially, millions more drones will have been sold over the course of 2016. That is a lot of drones that are going to be flown into trees, buildings, power lines, people, and even other drones.

    Set up a professional online repair service for drones. Customers can mail their drones to you, have them repaired, and sent back in the post (or potentially delivered back to them via drone; Amazon style).

    2. Loading Icons Ad Agency

    Advertisers are hungry for decent exposure and there is something we look at every single day that is just begging for a paid ad makeover; the loading bar. Regardless of whether you are waiting for a game to load or a piece of software to install, it is possible to animate that loading bar, to show something more interesting. Imagine a frosty cold glass of your favorite beverage filling up, instead of a blue line.

    Make deals with brands to “sponsor” games/software developers in return for loading bar animation ads that show each time it loads. Take a percentage commission for putting deals together.

    3. Life Skills App for Kids

    Kids are super comfortable with mobile devices, which makes tablets and smartphones a great medium to impart valuable skills. Since most apps focus on education related topics like learning to read and write, why not make an app that offers fun eLearning content to teach kids valuable life skills?

    It could be anything, from learning to tie their shoelaces, to understanding weather, looking both ways before crossing a street, or knowing about dangerous or poisonous wildlife.

    Teaching kids important life lessons might help them avoid potentially serious situations.

    4. Online Wedding Services

    The wedding industry is huge, and many younger couples use the Internet to locate and choose wedding related products and services. There are in excess of 1.5 million monthly searches for wedding dresses. with 860,000 coming from the United States alone.

    If you’re not into fashion, what about web development? You could offer quick and easy websites for engaged couples to manage their wedding, post photos, and share their special day with the world.

    Maybe Web design is not your thing. How about designing wedding invites instead? There are more than 246,000 monthly searches for wedding invitations in the U.S alone.

    5. Drone Tech Blogger

    OK, so I know I have already mentioned drones. But trust me, this industry is taking off, quite literally. More and more high-tech drones and drone accessories, including software, cloud-based Saas for drones, and all sorts of other amazing things are right around the corner.

    There is going to be space for a tech blog type site devoted to everything new and exciting in the world of drones. Not to mention how much fun and excitement you’ll have recording and sharing the evolution of this nascent industry. Build relationships with industry players now, while they are still on their way up and you’ll have access to them when their leading multi-billion dollar companies in five years’ time.

    So that’s my list of ideas that can be done predominantly online and from home. But don’t feel limited by this short list. There are myriads of new and exciting technologies coming online all the time, and the pace at which new technologies open up new entrepreneurial opportunities.

    2016 is a great time to start exploring the web in search of just the right idea for you, and browsing a long list of different, unusual and sometimes downright weird ideas is a great way to spark your own imagination.

    So, if you like being exposed to new and creative stuff, or even sharing your own sparks of genius with the world, there are plenty more small business ideas similar to these ones to be found online.

    What exciting opportunities do you think are worth looking at in 2016? Share your ideas in the comments.

    There are no comments so far. Start a discussion!

    David is a tech entrepreneur and published author with books translated into over 13 languages worldwide and used as recommended reading at places like MIT. His blog, SME Pals, is a preferred free entrepreneurial resource for great universities like Duke, Emory, Boston, and Cornell and has been featured on major business sites like Entrepreneur and Business Insider.

    Posts by David Mercer





    Marriage expert shares keys to successful relationships at home, work #current #stock

    #business at home

    #

    A marriage expert says doing these 3 things will help you have successful relationships at home and at work

    Forty hours a week is a lot of time to spend with someone you can’t stand.

    That’s why it’s so important to foster positive relationships at work.

    Psychologist and couples counselor John Gottman spent 40 years researching exactly what goes into healthy relationships, and he posited in his book, “The Relationship Cure ,” that the same principles that make marriages work also hold true for other kinds of relationships.

    “Relationships in the workplace, including friendships, collegial relationships, and relationships with superiors or subordinates, are human relationships,” Dr. Michael McNulty, a m aster trainer from the Gottman Institute and founder of the Chicago Relationship Center. tells Business Insider. “Much of the same advice given to spouses who seek to make their marriages work also applies to people who want good, productive relationships with their coworkers.”

    According to Gottman’s research, any relationship that involves people trying to live and work closely together should be built on trust and commitment and involve positivity, friendship, and successful conflict management.

    First and foremost, good friendships in a company occur when employees feel like they can trust one another. Workers have to mostly feel like their bosses and coworkers are acting in their best interests or at least trying to. They have to feel like they have one another’s backs. It is only then that they will feel safe and motivated to invest in their relationships in the workplace.

    In love or at work, people who do these three things are most likely to have positive relationships:

    View As: One Page Slides

    Francisco Osorio/flickr

    Get to know people

    In marriage, research tells us that knowing one’s partner and the important parts of one’s partner’s world is the basis for friendship and positivity. Spouses feel important when others take time to get to know them. The same holds true at work.

    He says that managers and employees who feel like people are trying to get to know them and care enough to ask about their lives are more likely to feel positive about others at work.

    WOCinTech Chat/flickr

    Appreciate others

    People are also more likely to feel positive about work-based friendships if they feel appreciated.

    McNulty teaches a course that includes a video of a therapist working with a real couple who started a company together.

    At one point, the woman says to the man, “I would almost work free if you would just tell me you appreciate what I do more often.” Her revelation speaks to how much people may need to feel appreciated by those close to them.

    While most employees will not work for free, they feel a lot more positive about work when they feel appreciated, and they feel most positive about those in the workplace who express authentic appreciation for their talents and contributions.

    Expressing appreciation, he says, could be as simple as commending a colleague on how well they spoke in a meeting or how reliable they are because they arrive to work early every day. The key is using positive adjectives and then backing them up with specific examples.

    “If you think it, try and say it,” McNulty says. “And if you’re not thinking positive thoughts, that may mean that you’re scanning for the negative too much and you need to get back into thinking about what you appreciate about the people around you.”

    ANG SHERPA/flickr

    Make time for others

    “As in marriage, people who know and appreciate one another are better positioned to connect with one another,” McNulty says.

    He says that spouses who develop rituals for connecting with each other like date night, nightly walks, or phone calls to check in do better in relationships. Similarly, coworkers who find ways to remain connected keep their work relationships in a more positive place.

    “That’s why talks around the water cooler, lunch dates, sports teams, and happy hour become so important,” McNulty says.

    “That’s also why teams and managers have to be sensitive about making assignments of who does what with whom on work projects,” he adds. “For some employees, their routines of doing projects with certain colleagues may be their way of checking in and remaining connected.”

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    Why The SBIC Doesn – t Work For Venture Capital Anymore –

    #small business investment company

    #

    Why The SBIC Doesn t Work For Venture Capital Anymore

    There are so many things wrong in the article I felt compelled to write about it. This isn t a knock on the writer (Alicia Wallace) I like Alicia and think she does a good job. Rather, it s an example of the difference between signal and noise in any kind of reporting around the VC industry.

    I’m an investor in over 40 VC funds around the world (mostly in the US) and three of them are SBIC funds. Each of the SBIC funds were raised in the 2000 2002 time period. On paper, only one is in positive return territory as a fund, but the SBIC leverage is a substantial negative factor for the LP investors in that particular fund. And, in the other two, I don’t expect to ever see any of my capital back because of the SBIC leverage. Furthermore, I don t believe any of the GPs in any SBIC-backed fund would ever take money from the SBIC again.

    So I’m speaking from at least a little experience albeit indirectly with the SBIC, as I ve never been a GP in a fund that had SBIC leverage.

    The article starts off saying that “Matthew Varilek has traveled across the state, proselytizing the potential benefits of the Small Business Investment Company Program.” As a partner in one of the most visible VC firms in Colorado and an LP in many of the Colorado VC firms, I’ve never heard from Matthew or anyone from the SBIC. Matthew, if you really want to have a deep discussion about why the SBIC program isn’t effective for VC funds anymore, feel free to give me a shout. I’d be happy to meet with you.

    Next, there is the wonderful PR quote about the SBIC that says “Since the program s inception, SBIC success stories include the funding of companies such as Apple, Costco and FedEx when they were burgeoning small businesses.” The SBIC was instrumental in the creation of the venture capital business. The Small Business Investment Act of 1958 helped catalyze many of the VC firms created in the early 1960s. When I first heard about VC firms in the late 1980s, and my first company (Feld Technologies) started writing portfolio management software for some Boston-based VC firms, many of them had funds with SBIC leverage, although even by the late 1980s this was changing and many of them had shifted away from the SBIC. If you want to see a fun quote on it, read A History of Silicon Valley which quotes:

    “ …many venture capital pioneers think the SBIC program did little to advance the art and practice of venture investing. The booming IPO market proved the model of investing in new companies, as some SBICs cash out at attractive levels. SBICs did give a boost to early venture firms, and some like Franklin “Pitch” Johnson, profiled below, thought the new law made the US “see that there was a problem and that [venture investing] was a way to do something… it formed the seed of the idea and a cadre of people like us.” Bill Draper, the first West Coast venture capitalist, has been more blunt: “[Without it] I never would have gotten into venture capital. it made the difference between not being able to do it, not having the money.” Many believe SBICs filled a void from 1958 to the early 1970s, by which point the partnership-based venture firms took off. The US government, however, lost most of the $2 billion it put into SBIC firms.

    So, while Apple, Costco, and FedEx benefited, the PR would be more credible if the SBIC was trumpeting iconic companies created after 1990 or even 2000, especially where the lead investors (rather than follow on investors) had SBIC capital.

    Peter Adams, head of Rockies Venture Club, is quoted a few times. I like and respect Peter, so this isn t aimed at him, but rather at the clear lack of understanding of the capital dynamics around VC funds.

    It looks really great on the surface, said Peter Adams, executive director of the Rockies Venture Club, a nonprofit aimed at connecting investors and entrepreneurs. Then when you dig into it, there were some problems. Adams, who has been involved in many of the meetings with the SBA and members of the investment community, said the greatest concerns voiced by investors and venture capitalists involved management team qualifications, investment track records and the addition of debt to the equation. No. 1 for us is they want a management team with multiple people that have track records in venture capital and have worked together as a team before, he said. I can see where they re going with it, but the VC industry in Colorado has been fairly decimated through the economic downturn.

    Peter is right about the context, but has two fundamental things wrong here. First, the VC industry in Colorado wasn t decimated through the economic downtown. It was decimated because of lack of performance between 2001 and 2009, just like much of the rest of the VC industry around the US. There s nothing special about Colorado in this mix, and it has nothing to do with the economic downtown. This dynamic has been reported thousands of times so I don t need to go through it again, but we don t have to look back very far to hear the drum beat from the media, LPs, and everyone else about how VC is dead. And if you re curious, it wasn t too long ago that Silicon Valley was also dying .

    The other problem here is the need of the SBIC to invest in a management team with multiple people that have track records in venture capital and have worked together as a team before. Any VC firm that fits this qualification is unlikely to have difficulty raising money in today s environment, and subsequently has no need for the SBIC leverage. And, more importantly, the only firms that will look for SBIC leverage are one s that don t have this, which is a classic adverse selection problem.

    Then there s this:

    The recession also then plays into requirements that the management team members have been involved in a meaningful number of successful exits during a four- to six-year period. From 2008 to 2013, that was not a good time for exits, Adams said.

    Huh, what? At Foundry Group, our significant exits (at least 10x capital returned) since we raised our first fund in 2007 include AdMeld, Zynga, MakerBot, and Gnip. We ve had plenty of other exits, but these are the big ones. One of those companies, Gnip, is Boulder-based and another from our older funds (Rally Software) also generated a greater than 10x return for us. Techstars (which we helped start) have also had a steady stream of significant exits, including local Boulder companies like Filtrbox, GoodApril, and SocialThing. And then you ve got plenty of Boulder / Denver monsters on paper some in our portfolio (like SendGrid and Sympoz) and others like Zayo, Ping, Logrhythm, and Datalogix. Finally, if you look across the country, the exits have been awesome the past three years.

    It keeps going. There s talk about the angel cliff (e.g. we need funds to invest between angels and VCs nope, been there remember gap capital not so effective) and the SBA rules and regulations (which I believe are toxic and inhibiting to a successful VC fund.)

    One of the other problem is SBA and SBIC s behavior in governance of the fund. The paperwork is silly and the overhead is non-trivial. The control over distributions and negative incentives to hold or distribute capital often generates bad decisions when companies go public. And at least one close friend who is a partner in an SBIC fund has now found a new LP to buy out the SBIC so they could actually invest capital in their winners, rather than be limited by the SBIC s constraints on the amount of capital you can invest in any particular company.

    The SBIC could be a powerful force for good in the venture capital industry. But it has to approach things very different and based on my experience with the SBA over the past decade, I don t see it happening unless there is real leadership somewhere in coordination with leaders in the VC industry. I m certainly willing to help, if only someone bothered to reach out to me.

    UPDATE: It turns out my partner Seth Levine had met with Matthew a while ago. Seth said Your blog was right on and much of the type of thing I related to Matt and some senior guys he brought in. The gist of my conversation with them was pushing them to consider a different model that the current one basically led to lowest common denominator GPs and sub-optimal returns. Plus the SBIC leverage could be crushing. I don t think they have a ton of flexibility around this but they at least listened to the feedback. I m going to see a bunch of them in a few weeks I agreed to help judge a business plan competition they were hosting. Like you I m not a huge fan of the program as it has existed but I give the new guys some credit for both reaching out and trying to be proactive about thinking through this.

    UPDATE 2: Matthew Varilek reached out to me and we are setting up a time to talk.





    McNamara-O-Hara Service Contract Act (SCA) – Wage and Hour Division (WHD) –


    #

    Wage and Hour Division (WHD)

    McNamara-O-Hara Service Contract Act (SCA)

    The McNamara-O Hara Service Contract Act requires contractors and subcontractors performing services on prime contracts in excess of $2,500 to pay service employees in various classes no less than the wage rates and fringe benefits found prevailing in the locality, or the rates (including prospective increases) contained in a predecessor contractor’s collective bargaining agreement. The Department of Labor issues wage determinations on a contract-by-contract basis in response to specific requests from contracting agencies. These determinations are incorporated into the contract.

    For contracts equal to or less than $2,500, contractors are required to pay the federal minimum wage as provided in Section 6(a)(1) of the Fair Labor Standards Act.

    For prime contracts in excess of $100,000, contractors and subcontractors must also, under the provisions of the Contract Work Hours and Safety Standards Act, as amended, pay laborers and mechanics, including guards and watchmen, at least one and one-half times their regular rate of pay for all hours worked over 40 in a workweek. The overtime provisions of the Fair Labor Standards Act may also apply to SCA-covered contracts.

    The Wage and Hour Division has issued a final rule to implement Executive Order 13495, Nondisplacement of Qualified Workers Under Service Contracts. This final rule will be effective once the Federal Acquisition Regulatory Council (FARC) issues regulations for the inclusion of the nondisplacement contract clause in covered Federal solicitations and contracts, as required by the Executive Order. For more information, please visit the Nondisplacement Final Rule Webpage. (August 29, 2011)

    • Fact Sheet 39 Outside Sales Employees Under the Fair Labor Standards Act (PDF)
      • Fact Sheet 17a ?>

    Allnursingschoolscom #critical #care, #np #program, #sane, #school #of #nursing, #have, #interested, #nursing,


    #

    Interested

    Quote from nursek05

    Hi, Siri, Thank You Very Welcoming Me To The Forensic Forum. I Am Very Excited About What Your Business Consist Of And Your Experience With An Medical Examiner.

    I am self-employed as a medical- legal nurse consultant. Incorporated this year. Doing the externship prepared me for the type of cases normally for my criminal litigations. I was able to see first hand just how forensic medicine is utilized. Rape cases, homicides, etc. I honestly can say I know what to expect and know what should be done prior to being transported to the morgue. It was most informative. I would like to do more work with the local examiner sometimes, but, right now. zero time.

    Following a chain of command in some of these cases. you can find where links were broken.

    Hello to every body. I’m new to this forum. Like someone else here, ‘m very much interested in forensic nursing. Can anybody tell me the steps on how to be a forensic nurse? Is there a demand for a male nurse? Thanks

    Quote from shaider

    hello to every body. i’m new to this forum. like someone else here, ‘m very much interested in forensic nursing. can anybody tell me the steps on how to be a forensic nurse? is there a demand for a male nurse? thanks

    hello, shaider. great to have you in the forensic nursing forum.

    have you checked out the other threads in this forum?

    here are some links for education as a forensics nurse:

    as for male nurse? do you mean, you are a male and desire nursing as a career? or, you are a male and a nurse and desire forensics as a career.

    Quote from siri

    hello, shaider. great to have you in the forensic nursing forum.

    have you checked out the other threads in this forum?

    here are some links for education as a forensics nurse:

    as for male nurse? do you mean, you are a male and desire nursing as a career? or, you are a male and a nurse and desire forensics as a career??

    yes. i am male and a nurse as well.with a desire to be a forensic nurse.thank you for the informations.

    Quote from shaider

    Yes. I am male and a nurse as well.With a desire to be a forensic nurse.Thank you for the informations.

    I see. Well, I have not noticed a specification for either gender in the field. I don’t think it makes any difference whatsoever.

    It is a most interesting field, that’s for certain. You will enjoy it, I think, shaider.


    How Domain Name Servers Work #how #does #an #ip #phone #work


    #

    How Domain Name Servers Work

    When you enter a URL into your Web browser, your DNS server uses its resources to resolve the name into the IP address for the appropriate Web server. See more computer networking pictures.

    If you’ve ever used the Internet. it’s a good bet that you’ve used the Domain Name System. or DNS. even without realizing it. DNS is a protocol within the set of standards for how computers exchange data on the Internet and on many private networks, known as the TCP/IP protocol suite. Its basic job is to turn a user-friendly domain name like howstuffworks.com into an Internet Protocol (IP) address like 70.42.251.42 that computers use to identify each other on the network. It’s like your computer’s GPS for the Internet.

    Computers and other network devices on the Internet use an IP address to route your request to the site you’re trying to reach. This is similar to dialing a phone number to connect to the person you’re trying to call. Thanks to DNS, though, you don’t have to keep your own address book of IP addresses. Instead, you just connect through a domain name server. also called a DNS server or name server. which manages a massive database that maps domain names to IP addresses.

    Whether you’re accessing a Web site or sending e-mail. your computer uses a DNS server to look up the domain name you’re trying to access. The proper term for this process is DNS name resolution. and you would say that the DNS server resolves the domain name to the IP address. For example, when you enter http://www.howstuffworks.com in your browser, part of the network connection includes resolving the domain name howstuffworks.com into an IP address, like 70.42.251.42, for HowStuffWorks’ Web servers.

    You can always bypass a DNS lookup by entering 70.42.251.42 directly in your browser (give it a try). However, you’re probably more likely to remember howstuffworks.com when you want to return later. In addition, a Web site’s IP address can change over time, and some sites associate multiple IP addresses with a single domain name.

    Without DNS servers, the Internet would shut down very quickly. But how does your computer know what DNS server to use? Typically, when you connect to your home network. Internet service provider (ISP) or WiFi network, the modem or router that assigns your computer’s network address also sends some important network configuration information to your computer or mobile device. That configuration includes one or more DNS servers that the device should use when translating DNS names to IP address.

    So far, you’ve read about some important DNS basics. The rest of this article dives deeper into domain name servers and name resolution. It even includes an introduction to managing your own DNS server. Let’s start by looking at how IP addresses are structured and how that’s important to the name resolution process.

    Print |
    a data-track-gtm Byline href http www.howstuffworks.com about-author.htm brain Marshall Brain a amp a data-track-gtm Byline href http www.howstuffworks.com about-author.htm scrawford Stephanie Crawford a How Domain Name Servers Work 1 April 2000. br HowStuffWorks.com. lt http computer.howstuffworks.com dns.htm gt 6 June 2017″ href=”#”>Citation Date


    Social Emotional Learning Core Competencies #social #work #competencies


    #

    Social Emotional Learning Core Competencies

    Seeing the forest despite the trees.

    Our nation s educational focus continues to zero in on achievement as defined by test scores in specific academic areas and the resulting gaps therein. This hyper focus exacerbates our nearly systematic blind eye related to learning for living and cultivating life long learners. As a result, policies that increase the stakes of standardized assessments necessitate schools increase the amount of time spent on basic skills reading and math, primarily to the exclusion of a broad range of other skills, experiences, and competencies. In effect, we see a couple of trees, but miss the forest, or big picture ecology, of learning.

    However, research suggests there are programs that have the dual benefits of both raising achievement and increasing student well being. It is in this realm where we learn to think about education in terms of the forest, despite our hyper focus on the trees.

    Social Emotional Learning (SEL) is such an example. CASEL (Collaborative For Academic, Social, and Emotional Learning) is the leading organization working to build demand and capacity for SEL. Their work ranges from network building to conducting research to policy advocacy. Below is a graphic (source here ) illustrating what they define as the core competencies for SEL.

    Additionally, they published a meta-analysis of research titled, The Impact of Enhancing Students Social and Emotional Learning (download it here ). The meta-analysis concluded:

    The reviews indicate that SEL programs:

    • Are effective in both school and after-school settings and for students with and without behavioral and emotional problems.
    • Are effective for racially and ethnically diverse students from urban, rural, and suburban settings across the K-12 grade range.
    • Improve students’ social-emotional skills, attitudes about self and others, connection to school, and positive social behavior; and reduce conduct problems and emotional distress.
    • Improve students’ achievement test scores by 11 percentile points.

    It all demonstrates that we must think more holistically about students, learning, and the ecology of education. Simply working to improve math and reading test achievement falls far short of ensuring that our students are healthy, safe, engaged, challenged, and supported in the ways that matter most to their long term personal achievement.

    Special thanks to Jackie Gerstein, whose post Video Games and Social Emotional Learning first pointed us to this chart.

    This is a part of an ongoing series exploring components of our Transformational Learning Model. This piece relates to Academic Access, Curriculum Frame, Curriculum Goals, and Student Support.


    Plumber Jobs – Search Plumber Job Listings #plumber #jobs, #plumber #job #opportunities,


    #

    Plumber Jobs

    Plumber Overview

    A plumber specializes in the installation and maintenance of the piping that runs in and under homes, businesses and more. The pipes carry the water necessary for comfortable living. Most plumbers run their own businesses, working on an as-needed basis in their community. Pay tends to be very high, particularly for self-employed plumbers, and educational requirements are lenient. Plumbers work in a number of capacities, doing everything from commercial wellhead installations to residential pipe laying .

    Plumber Education Requirements

    Plumbers only need a high school diploma or GED to get started. Most of the training comes from an apprenticeship under a more experienced plumber than can last anywhere from a few months to several years. Plumbers must be skilled at communicating with customers to determine where the problem is in the pipe and be able to navigate cramped and tight conditions. A moderate amount of strength is required as pipes are often rusted and in locations where there is little leverage.

    Plumber Job Market

    The job market for plumbers is expected to grow by 21 percent by 2022. This projection is above average when compared to other careers with an estimated 13,050 jobs opening each year. Plumbers often work for companies or strike out on their own to become independent service providers. Plumbers are also often employed by hospitals and universities due to the amount of plumbing systems used in buildings on these campuses.

    Plumber Salary

    Plumbers are paid well for their work, making anywhere from $14 to $16 an hour during their apprenticeship to $19 to $46 an hour once fully certified. The annual salary for plumbers can be as high as $77,000 to $83,000, and those who run their own companies are able to charge whatever prices they desire. Plumbers who work for companies, like a local plumbing shop, usually make slightly less than independent plumbers.


    Minnesota work comp #minnesota #work #comp


    #

    CA – Lawmaker Considering Ways to Disrupt Business Model Related to Capping

    By Greg Jones (Deputy Editor)

    06/07/2017 | 1658 | 0 | 0 min read

    The criminal charges in a $300 million capping scheme announced Monday allegedly stem from a business model used to defraud California s workers compensation system that state lawmakers last year took steps toward dismantling. Assemblyman Adam Gray But the new law and the announceme. Read More

    FL – Under Settlement, Telemedicine Doc to Stop Treating Injured Workers

    By Elaine Goodman (medical/business Reporter)

    06/07/2017 | 299 | 0 | 0 min read

    A Florida doctor who recruited workers comp patients from public records and allegedly prescribed them compounded drugs during telemedicine visits will be barred from treating injured workers under a settlement agreement with the Florida Department of Financial Services. Dr. Samue. Read More

    FL – Businesses Want Special Session to Include Comp but Concede It s a Long Shot

    By J. Todd Foster (Reporter)

    06/07/2017 | 120 | 0 | 0 min read

    Florida lawmakers failed to overhaul the state workers compensation system, but they were so close to a compromise last month that a business group wants them to try again during the special legislative session that begins today and ends Friday. Bill Herrle Only a $70 difference. Read More

    OK – Court Overturns $12M Award for Denial of Coverage

    06/07/2017 | 126 | 0 | 0 min read

    The Oklahoma Court of Civil Appeals last week overturned an employer s $12 million judgment against CompSource Oklahoma for refusing coverage to two teenage boys who were injured in a grain elevator accident. Tyler Zander and Bryce Gannon each wound up having a leg amputated after gettin. Read More

    CA – Parties Finish Briefing Dispute Over Remedy for Allegedly Defective UR Decisions

    06/07/2017 | 495 | 0 | 0 min read

    The parties to a dispute over a worker s remedy for alleged improprieties in the utilization review process finished briefing their positions for the California Supreme Court last week. In April of this year, the 3rd District Court of Appeal ruled that Daniel Ramirez would have to go thr. Read More

    NATL. – Lynch: Eight Steps to Controlling Workers Compensation Costs: Conclusion

    06/06/2017 | 133 | 0 | min read

    This is part 3 in a three-part series. Part 1 was published Friday. Part 2 appeared Monday. Step 6: Establish a partnership with your claim service provider It is not the job of the insurer or third party administrator (TPA) to solve your workers compensation problems. That is something you. Read More

    FL – JCC s Refusal to Authorize Attorney Fee Violated Worker s Due Process Rights

    06/07/2017 | 130 | 0 | 0 min read

    The 1st District Court of Appeal ruled that a judge of compensation claims violated an injured worker s due process rights by refusing to approve of the agreement reached with the employer for the payment of attorney fees. Case: Delgado v. City Concrete Systems, No. 1D16-4759, 06/06/2017. Read More

    FL – Football Player Didn t Establish Employment Relationship With League

    06/07/2017 | 189 | 0 | 0 min read

    The 1st District Court of Appeal ruled that a football player was not entitled to benefits from the Arena Football League because there was no employer-employee relationship between them when he was injured during the tryout process. Case: Arena Football League v. Bishop, No. 1D15-5130, 06/06/2017. Read More

    CO – Worker Requests Rehearing on Constitutional Challenge to Administrative Comp System

    06/07/2017 | 117 | 0 | 0 min read

    The Colorado Court of Appeals is being asked to reconsider its rejection of a constitutional challenge to the state s administrative workers compensation system, as well as a statutory provision that deprives government employees of the ability to choose their treating doctor. Las. Read More

    CO – Governor OKs PTSD, Uninsured Employer Fund Bills

    06/07/2017 | 115 | 0 | 0 min read

    Colorado Gov. John Hickenlooper signed into law bills that will create an uninsured employers fund, and allow workers to be compensated for post-traumatic stress disorder and other mental impairments. Gov. John Hickenlooper The governor on Monday signed HB 1119, by Rep. Tracy Kraft-Tharp, D-Jeff. Read More

    FL – Uber and Lyft Notch Another Legislative Victory

    06/07/2017 | 158 | 0 | 0 min read

    Though both companies have yet to turn a profit, Uber and Lyft have exerted tremendous influence on state laws around the U.S. The companies most recent victory writing regulations for transportation network companies into state law came in Florida, where Gov. Rick Scott signed the. Read More

    NC – Bill Would Give Newspaper Carriers Access to Workers Comp Benefits

    06/07/2017 | 128 | 0 | 0 min read

    Thanks to a North Carolina senator s amendment to House Bill 205, newspaper carriers in the state could soon have access to workers compensation benefits. But the House must agree to the changes, which Sen. Trudy Wade, R-Guilford, proposed before the bill passed the Senate 29-14 on T. Read More

    Press – Black and Rose Announces Newly Named Partners, Blair Trigg and Darryl Purks

    06/05/2017 | 371 | 0 | min read

    LA – Contractor Licensure Bill Heads to Governor s Desk

    06/07/2017 | 105 | 0 | 0 min read

    A measure requiring contractors to provide proof of licensure and insurance to clients has landed on Gov. John Bel Edwards desk after being signed by the House speaker and Senate president earlier this week. Rep. Paula Davis House Bill 675, by Rep. Paula Davis, R-Baton Rouge, requires. Read More

    WA – OIG Auditors Reviewing Claims Process for Hanford Workers

    06/07/2017 | 173 | 0 | 0 min read

    Auditors from the Office of the Inspector General are conducting a review of the workers compensation claims process at the Hanford Site in Washington state, according to a report by Seattle-area NBC affiliate KING. Two U.S. senators from Washington, Patty Murray and Maria Cantwell, in March. Read More

    NY – Prosecutors: Family Physician Dispensed 2.2M Oxycodone Pills in 5 Years

    06/07/2017 | 148 | 0 | 0 min read

    A Manhattan family physician was arrested Monday on charges of writing thousands of oxycodone prescriptions for patients who did not need the drug, the U.S. Attorney s Office of the Eastern District of New York announced this week. Martin Tesher (Facebook photo) Between June 2012 and January. Read More

    Press – Boehm Associates Achieves HITRUST CSF Certification to Further Mitigate Risk in Third Party Privacy, Security and Compliance

    05/17/2017 | 2716 | 0 | min read

    OH – Bishops Decry Bill That Bars Work Comp for Undocumented Workers

    06/08/2017 | 19 | 0 | min read

    The Roman Catholic Church has come out against state legislation that contains a provision barring workers compensation benefits for undocumented workers. The House passed House Bill 27 on May 17. It has been in the Senate Insurance and Financial Institutions Committee since May 24. Me. Read More

    MS – Woman Allegedly Faked Fall to Get Comp Benefits

    06/08/2017 | 19 | 0 | min read

    A Clarksdale woman who allegedly staged a fall to receive workers compensation benefits has been charged with fraud. Tammie Conner, 49, was released on $2,500 bond Tuesday after appearing in Coahoma Circuit Court on charges of workers compensation and wire fraud. If convicted, she fa. Read More

    NM – Newspaper Editorial Board Endorses New Injured Officers Charity

    06/07/2017 | 173 | 0 | 0 min read

    New Mexico s largest newspaper has endorsed a new charitable foundation that gives money to police officers who were wounded or traumatized on the job. In an editorial published Tuesday, the Albuquerque Journal editorial board wrote that the Albuquerque Police Foundation is an effor. Read More

    WA – OIG Auditors Reviewing Claims Process for Hanford Workers

    06/07/2017 | 173 | 0 | 0 min read

    Auditors from the Office of the Inspector General are conducting a review of the workers compensation claims process at the Hanford Site in Washington state, according to a report by Seattle-area NBC affiliate KING. Two U.S. senators from Washington, Patty Murray and Maria Cantwell, in March. Read More

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    ASIC Accredited, Atlantic International University Accreditation: bachelor, master, doctoral degree programs by


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    Atlantic International University is a unique alternative to the more than 6,700 traditional colleges and universities in the United States, we utilize a sustainable and andragogic approach to learning with an open curriculum design. At AIU you will build your own curriculum from courses that are appropriate for your personal and professional goals.

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    Distance Learning at AIU is enhanced by vast academic resources and innovative technologies build into the Virtual Campus: Hundreds of self-paced courses with video lectures and step by step lessons, thousands of optional assignments, 140,000 e-books, the Social Media & Networking platform allowing collaboration/chat/communications between students, and MYAIU develop students holistically in 11 areas beyond just academics.

    AIU degree programs are designed for professional adults. After evaluating both academic records and life experience, AIU staff working in conjunction with Faculty and Academic Advisors, establishes the student’s Academic Status. The student’s Academic Status defines the number of Credit Hours the student must complete to fulfill the academic guidelines of the institution.

    The programs offered at AIU allow for limited Academic or Life-experience. Academic or Life-experience credit is knowledge gained outside of the classroom through work or other professional endeavors. The policy for accepting such credit is limited to one third of the credit requirement for the program and documentation must be provided to confirm such experience.

    AIU is accredited by the Accreditation Service for International Schools, Colleges and Universities (ASIC). ASIC Accreditation is an internationally renowned quality standard for colleges and universities. ASIC is a member of CHEA International Quality Group (CIQG) in the USA and an approved accreditation body by the Ministerial Department of the Home Office in the UK. AIU is not accredited by an agency recognized by the US secretary of education. Read more.

    Our founding principles are based on the United Nations Universal Declaration of Human Rights; per article 26, AIU believes that Higher Education is a Human Right. The University has implemented a paradigm shifting educational model for its academic programs that have allowed it to move closer to this goal through the self-empowerment of its students, decentralization of the learning process, personalized open curriculum design, and a sustainable learning model.

    Students and Faculty develop, produce and edit shows, documentaries and other media disseminated via AIUTV and AIU Radio. Creators have a profile page summarizing the show and themselves with a way for viewers to get in contact with them for further collaboration, networking, or other synergistic interactions.

    Every hosted your own show? Have a mission or cause you would like to bring awareness to? Are you passionate about something? Any of these can be great topics to be featured on AIUTv per article 26. AIU believes that Higher Education is a Human Right. The University has implemented a paradigm shifting educational model for its academic programs that have allowed it to move closer to this goal through the self-empowerment of its students, decentralization of the learning process, personalized open curriculum design, a sustainable learning modern, developing the 11 core elements of the Human Condition within MYAIU, and the utilization of the quasi-infinite knowledge through the use of information technology combined with our own capacity to find solutions to all types of global issues, dynamic problems, and those of individuals and multidisciplinary teams. Due to these differentiations and the university’s mission, only a reputable accrediting agency with the vision and plasticity to integrate and adapt its processes around AIU’s proven and successful innovative programs could be selected. Unfortunately, the vast majority of accrediting agencies adhere to and follow obsolete processes and requirements that have outlived their usefulness and are in direct conflict with the university’s mission of offering a unique, dynamic, affordable, quality higher education to the non-traditional student (one who must work, study what he really needs for professional advancement, attend family issues, etc.).

    We believe that adopting outdated requirements and processes would impose increased financial burdens on students while severely limiting their opportunities to earn their degree and advance in all aspects. Thus, in selecting the ASIC as its accrediting agency, AIU ensured that its unique programs would not be transformed into a “copy” or “clone” of those offered by the 10,000+ colleges and universities around the world. Since the ASIC is an international accrediting agency we are required, by Hawaii law RHS446E, to place the following disclaimer despite the worldwide recognition and acceptance of AIU’s accreditation. ATLANTIC INTERNATIONAL UNIVERSITY IS NOT ACCREDITED BY AN ACCREDITING AGENCY RECOGNIZED BY THE UNITED STATES SECRETARY OF EDUCATION. Note: In the United States and abroad, many licensing authorities require accredited degrees as the basis for eligibility for licensing. In some cases, accredited colleges may not accept for transfer courses and degrees completed at unaccredited colleges, and some employers may require an accredited degree as a basis for eligibility for employment. Potential students should consider how the above may affect their interests, AIU respects the unique rules and regulations of each country and does not seek to influence the respective authorities. Our students can be found in over 180 countries, they actively participate and volunteer in their communities as part of their academic program and have allocated thousands of service hours to diverse causes and initiatives. The degree programs offered by AIU follow internationally accepted standards followed by academic institutions around the world.

    There is no distinction between the programs offered through AIU and those of traditional campus based programs with regards to the following: program structure, degree issued, transcript, and other graduation documents which follow the same standards used by US colleges and universities. AIU graduation documents can include an apostille and authentication from the US Department of State to facilitate their use internationally. To see some of our graduates’ opinion of their studies with us, see: Video Interviews. Testimonials. and the AIU Press Room.


    HR and Payroll Software #opera #3,opera #ii,opera,gold,capital,unity,accounting #software,accounts #software,business #software,accounting,accounts,business,pegasus,uk,ireland,small #businesses,finance,financial,modular,integrated,32bit,32-bit,sme,smes,payroll,human #resources,hr,personnel,general,nominal,management


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    Opera 3 Payroll & HR

    • Multi-user, with Company and Group password control and menu level access restriction
    • Full integration with Opera 3 Document Management
    • Links to the Nominal Ledger, Cashbook and Costing Financial modules of Opera 3
    • Definable cheque and payslip designs to suit Company stationery requirements
    • Create unlimited Companies with unlimited employees per Company
    • Weekly, fortnightly, four weekly and monthly paid employees can be maintained all in one company
    • Employee profiles for efficient employee record creation
    • Employee payment details and payslip images can be retained for up to 999 pay periods
    • Payslips from past periods can be reprinted at any time
    • Employees can be paid via BACS, reducing the time and costs required to process payments
    • Submit Year-End Returns via the Government Gateway using the Pegasus Online Filing Manager
    • In-Year P45(1), P45(3) and P46 file generation for online submission using the Online Filing Manager
    • Filtered Historical employee record processing to current legislative bandwidths
    • Automated Director’s National Insurance calculations
    • Multiple Pension Scheme management
    • Track report on key field changes for the Payroll year using the Audit Log
    • Backup and Restore facility
    • Fully automated SSP, SMP and SPP (Birth) processing and reporting, with complex legislation built in
    • Automated Attachment Orders processing and reporting
    • Retrospective NI code changes with automatic adjustment value calculation and processing
    • Caters for Holiday pay across year-end

    Employee Records

    • Address, bank details and holidays
    • Tax and National Insurance To-Date details
    • Payments and deductions – permanent and temporary values, retained units and rates, zero this period facility
    • Quick calculation – showing net pay, total deductions and NI’able earnings
    • Retained History with payslip image drill down
    • Employee photograph attachment
    • Ability to embed documents, spreadsheets etc, via OLE technology

    Reports

    • Departmental reporting
    • Payslip, cheque and BACS list generation
    • P35, P14 and P60 End-of-Year reports
    • P45(1), P45(3) and P46 In-Year reports
    • P11 Deductions Working Sheet
    • P32 employer’s Payment Record, with payment and funding recording and multi-company consolidation
    • This Period and To Date summaries
    • Comprehensive statutory payments, Attachment Orders and pension contribution reports
    • Additional Reporter module available, for the creation of your own reports

    Pensions

    • Mixed Pension schemes per company
    • Stakeholder Pensions
    • Fixed amount
    • Percentage of definable figure
    • Group Personal Pension
    • COMP
    • COSR
    • Freestanding AVC
    • Up to three different LEL/UEL criteria
    • Employee diary showing sickness, holidays, maternity and compassionate leave, and training
    • Variable employee working patterns reflected within the diary
    • Accurate days, hours and minutes event recording and analysis
    • Keep records for up to 99 years, including job changes and salary updates
    • Pro-rata holiday entitlement and holiday carry-over

    Help

    • Comprehensive, context senstive help

    Extended Information Sources

    • Export information to Microsoft products such as Word and Excel
    • Send reports via e-mail
    • Payroll administrator and management reports delivered via e-mail
    • Regularly notify staff of remaining holiday entitlement automatically by e-mail
    • Automatically notify managers of Payroll requirement by e-mail