Starting a Hospice Business #find #hotel #rooms

#how to start a hospice business

#

Starting a Hospice Business

Promoting care to other people who suffer terminal illnesses is the philosophy of hospices. You can start a hospice business at your home or you can build a hospice facility.

Regardless of where you will set up the business the important thing is that you can make patients happy in making the final days happy.

Starting a hospice business is not an easy thing. This kind of business would require a lot of patience and understanding in the part of the owner and caregiver. A hospice facility provides other services aside from medical support according to the patient s needs. It focuses on providing the best quality of life and the facility cannot deliver care without developing hospice program. A hospice business should hire trained health workers, advisers and counselors. The good thing about hiring hospice care is that both the patient and the family are given pain management counseling. Likewise, they also provide advice to the family of the patient on how they can help in case the caretaker is on break.

Things You Need To Know about Hospice Business

Before you decide to open a hospice business make sure to obtain proper knowledge about the hospice services. Employing hospice services is very costly that is why many people find it hard to pay for the hospice services. Likewise, a patient is only eligible to avail Medicare in case a program director certifies that the client has less than six months to live. In addition, you should first look for financially viable location where you can start a hospice business. A place that has sufficient potential clients is the best place to start a business otherwise better look for other location.

The next thing that you should pay attention is the processing of the licensing requirements. Keep in mind that you cannot open and operate a hospice business without accomplishing the necessary requirements. When applying for the licenses make sure to provide the correct information of your business like the name, address, telephone number as well as the services provided. The license will be awarded once the applicant accomplished all the requirements. It is only the time when you can operate the hospice business.

In addition, you should make a marketing plan that explains the mission and vision of the program. In developing the marketing plan you need to list the available resources, identify specific opportunities and competitors as well as establish objectives and goals. In like manner, other considerations to take into account include planning a budget and delegating tasks. You should be smart in recruiting staff to work in your hospice business. Make sure that the staff members are experienced and can work independently. Once everything is settled and the business is established, you can seek funding or financial support through donations. However, only nonprofit hospice facilities are given the opportunity to solicit and receive contributions from charities.

8 Comments

1. FARIDAH ABDULLAH said on 12/23/2012 8:27:04 PM

I am looking to open a hospice home care nurses and nurse’s aide agency. The agency will be located in the northeast Bronx





Start a Non-Medical Home Care Business #end #of #life #hospice

#how to start a hospice business

#

Start a Non-Medical Home Care Business

We developed our own successful non-medical home care agency. a home health care agency, hospice agency, transportation, GAFC and DME just to name a few. Our home health care agencies are CHAP Accredited and our Non-Medical Home Care Agency is Private Duty Accredited.

  • Setup of Incorporation or LLC, Tax ID and NPI number for your home care business.
  • Human Resources/HR Setup And Hiring Materials including but not limited to one on one training, video training, and customized high quality documents developing all aspects of your human resource department. This includes up-to-date. professionally bound, HR packets as well as other forms and documents.
We Prepare Your Agency For Operation
Operational Forms And Documents:
  • Everything required to successfully operate a home care agency, customized for your business.
  • Policies Procedures In Hard Copy And Word Format:
    • Complete State specific home care policies and procedures, customized by our home care consultants, then professionally designed, proof read and printed by one of the nations leading design firms.
    • **Note: Other home care consultants print their policies on a standard office printer and do not spend the extra time or money to have their home care policies professionally edited by a third party. We are the only home care consultants who will provide your home care policies and procedures to you in Word format so you can make changes to your home care policies when necessary .
  • 1 Year Home Care Software Subscription
    • Provided for you at our cost: ADLware – Home Care Software, developed by the highest rated home health care software company – Kinnser.
    • **Note: Other consultants offer discounted rates, but they will not pay for the software.
  • We Get Your Home Care Agency Licensed
    Complete State Home Care Business License Applications
    • We complete and submit your state’s Home Care Business License Application for you.
  • Pre-license Home Care Survey Preparation
    • Phone reviews to prepare for and assure compliance in your state
  • Home Care Consultation During Live State Survey
    • We make sure we are available to you during your on-site state survey to answer questions and provide support.
  • Completion Of Any Necessary Plans Of Correction
    • After the state home care business license survey, a Plan of Correction may be required as a condition to receive your home care business licensure.
  • Post Licensure Review And Education
    • A Plan of Correction is just the first step to successful licensure. We take the necessary time to help educate you on industry best practices .
    • **Note: Where other home care consultants take on too many clients to allow time for teaching and support, CHC does the work for you and then reviews and teaches you best practices. Our Goal: To assure your compliance beyond the startup process .
  • We Get Your Home Care Agency Accredited
    CHAP Accreditation For Your Home Care Agency.
    • We give all of our home care agency clients the option of becoming CHAP Accredited. This is not a requirement in most states, however, some states, such as New Jersey, are now requiring CHAP Accreditation. Other states, including Massachusetts, will not allow participation in state Medicaid programs, such as MassHealth, unless you achieve CHAP Accreditation.

    We Make Sure You Compete STRONG

    Logo Creation

    Your logo will be provided by one of the nations highest quality healthcare design firms. These logos are customized just for you by a healthcare design firm with a team of marketing experts and graphic designers. Unlike other home care consultants, we pay professionals to produce your marketing materials, not amateurs.

    Brochure Design

    You will receive 1000 professionally designed, high quality, glossy brochures, customized for your home care agency. These are professionally designed and printed trifold brochures.

    Business Cards

    You will receive 1000 professionally designed, high quality, glossy business cards, customized for your home care agency by one of the nations leading healthcare marketing firms. These are not vista print cards, they are high quality and customized for you.

    Professionally Designed Website

    * For ease of use, pricing, and the most time efficient design process, we advise all clients to purchase their website domain and hosting account through GoDaddy.com

    2 Day Sales and Marketing Home Care Business Training

    Your training will be hosted and presented by one of the best known sales and marketing coaches in the home care and home health care industry. Learn how to earn new patient referral sources and attract private pay, Medicaid and insurance patients. **Caution: Other home care consultant companies offer outdated marketing training from presenters with little actual industry experience. Always ask about training credentials before you buy!

    We Help You Get Paid

    Medicaid Enrollment

    We enroll our clients in state Medicaid programs in applicable states. This is a service in our program. Other home care consultants will “guide” or “assist” you in the process, we do it for you.

    VA Program Billing And Reimbursement Instructions.

    These VA programs allow your home care business to assist veterans who qualify for Veterans Affairs assistance.

    Lifetime Consulting

    While you are taking part in our program and even long after, we are part of your team. We will be by your side to assist you for the lifetime of your agency. and will be happy to answer your questions at no additional cost for as long as your home health care agency is in business.

    Advisory: Some home care consultants make promises they cannot keep. They boast about large client lists, but do not employ enough coaches and staff to be there when you need them? At CHC, we have a team of 12 employees and do not take on more than 6 new home care startup clients nationwide per month in effort to manage growth and maximize customer service. Remember, cheap service isn’t good and good service isn’t cheap.

    Call Us Today At (617) 477-9594 or email our home care consultants by completing the form below. We will teach you what is required to start a home care business in your state and help you take the first step in making your dream a reality.

    Are you interested in starting a home health care business or another type of healthcare business? We can help you with that too!

    Call CHC Today for a No-Hassle, Cost Free Consultation.





    Heartland Hospice Services Business Review in Tucson, AZ – Southern Arizona BBB

    #heartland hospice services

    #

    Heartland Hospice Services

    BBB Accreditation

    A BBB Accredited Business since 04/22/2016

    BBB has determined that Heartland Hospice Services meets BBB accreditation standards. which include a commitment to make a good faith effort to resolve any consumer complaints. BBB Accredited Businesses pay a fee for accreditation review/monitoring and for support of BBB services to the public.

    BBB accreditation does not mean that the business’ products or services have been evaluated or endorsed by BBB, or that BBB has made a determination as to the business’ product quality or competency in performing services.

    Reason for Rating

    Factors that raised Heartland Hospice Services’ rating include:

    • Length of time business has been operating.
    • No complaints filed with BBB.

    Customer Complaints Summary

    0 complaints closed with BBB in last 3 years 0 closed in last 12 months

    Tucson, AZ 85712-1227 (520) 325-2790
    (866) 293-6803
    Fax: (520) 325-2746 Directions

    Industry Comparison Chart X

    The information in the table below represents an industry comparison of businesses which are of the same relative size. This is based on BBB’s database of businesses located in Southern Arizona. Businesses may engage in more than one type of business. The percent of time the business engages in a type of business is not accounted for. There is no known industry standard for the number of complaints a business can expect. The volume of business and number of transactions may have a bearing on the number of complaints received by BBB.

    *Heartland Hospice Services is in this range.

    Types of Complaints Handled by BBB

    BBB handles the following types of complaints between businesses and their customers so long as they are not, or have not been, litigated:

    • Advertising or Sales
    • Billing or Collection
    • Problems with Products or Services
    • Delivery
    • Guarantee or Warranty

    We do not handle workplace disputes, discrimination claims or claims about the quality of health or legal services.

    Additional Phone Numbers

    BBB Complaint Process

    Your complaint will be forwarded to the company within two business days. The company will be asked to respond within 14 days, and if a response is not received, a second request will be made. You will be notified of the company’s response when we receive it (or notified that we received no response). Complaints are usually closed within 30 business days.

    BBB began including the text of consumer complaints and business responses in BBB Business Reviews on 06/01/2013 for complaints filed on 05/22/2013 and thereafter. This includes all complaints that meet our reporting guidelines.BBB reports the complaint response text for all reportable complaints.

    Industry Tips for Hospices

    What is BBB Advertising Review?

    BBB promotes truth in advertising by contacting advertisers whose claims conflict with the BBB Code of Advertising. These claims come to our attention from our internal review of advertising, consumer complaints and competitor challenges. BBB asks advertisers to prove their claims, change ads to make offers more clear to consumers, and remove misleading or deceptive statements.

    What government actions does BBB report on?

    BBB reports on known government actions that are relevant to the business’s marketplace dealings with the public.

    About BBB Business Review Content and Services

    Some Better Business Bureaus offer additional content and services in BBB Business Reviews. The additional content and services are typically regional in nature or, in some cases, a new product or service that is being tested prior to a more general release. Not all enhanced content and services are available at all Better Business Bureaus.

    Thank you for your feedback.

    BBB Customer Review Rating plus BBB Rating Overview

    BBB Customer Reviews Rating represents the customers opinions of the business. The Customer Review Rating is based on the number of positive, neutral and negative customer reviews posted that are calculated to produce a score.

    Customer Review Experience





    Business And Consulting Services For Hospice Organizations #cheap #hotels #in #london

    #hospice consultant

    #

    HOSPICE SERVICES

    THE SEVEN PILLARS OF GROWTH FOR HOSPICE

    • Pillar #1: Creating a Culture of Growth. Understanding the “Invisible Velvet Glove On The Spigot of Growth” Phenomena.
    • Pillar #2: Referral Inquiry to Admission Conversion Rate.
    • Pillar #3: Maximizing your Medical Director Investment
    • Pillar #4: Sales Team Skill Development: “Happy Feet On The Street”
    • Pillar #5: Executing the 11 Tactics in the “Hospital Tool Kit”
    • Pillar #6: Developing the Physician Office Referral Channel.
    • Pillar #7: Understanding and Executing on the Value Propositions for Senior Living Communities.

    An Expertise In Working With Hospital Based Hospices

    Hospice Advisors has an expertise in working with hospital based hospices to help them both serve more patients within their own health system and the community at large. The founder of Hospice Advisors has 15 years of senior level experience working in health systems which provides a keen understanding to the complexities a health system holds.

    “I met Kurt in Moscow back in 2008. I engaged him to help us with our concept designs for a new hospital that was being built in New Riga (suburb of Moscow). His knowledge of health care with a focus on outpatient services was extremely helpful. Through our business relationship, together we opened a Home Health Care Company called First Home Care. When in Moscow, Kurt also worked closely with several hospices in town to strength their service delivery capabilities. Mr. Kazanowski is both an excellent health care professional and business man.”

    Alexander Goulko, President CEO
    MediCapital One

    “Kurt helped Glacier Hills acquire a personal care home health company. After the acquisition he spent time working with us to develop our Marketing and Business Development Plan which helped us grow our billable hours. Kurt has also worked with me to better understand how to use hospice in our senior community to enhance the quality of care and level of services we could offer to our residences. By blending his experience as a nurse with his business development expertise he offers a unique approach and style”

    “I have worked with Kurt in two different hospice organizations. His passion, innovation and expert knowledge has helped lead these organizations to grow patient census and bring new business development processes and structure into place. Currently, Kurt is assisting me with the development and marketing of a new Palliative Care Consulting service. I would highly recommend any organization looking for assistance, call Kurt”

    Elizabeth Morgan, MD
    Palliative Care Consulting

    “I have worked with Kurt extensively and have consulted with him regularly over the phone on a number of issues over the last two years. Kurt has been very helpful in assisting my organization with our growth strategies in a number of different areas. Kurt has become a good colleague and friend.”

    “Kurt was a perfect match for what we were exploring for our hospital and hospice program. His experience as a hospital executive, coupled with his tenure in hospice and home care, allowed him to quickly position us to have an immediate impact in growing our hospice services. Kurt worked very well with the Executive Director of our home care, hospice and palliative care services and helped her develop and execute growth strategies to allow us to serve more people. Specifically, Kurt has considerable expertise on the use of the General Inpatient Hospice (GIP) level of care and how it can assist hospitals deal better with those higher acuity hospice patients. I would recommend Kurt highly without hesitation!”

    “Kurt has functioned as our Director of Business Development and spends three days a month on site and works remotely with our staff weekly. Through the development and execution of marketing strategies, field coaching with our marketing staff and helping us break into C-Suites; we have been able to grow our census by 53% over a period of year. Kurt has become a part of our organization and we appreciate his commitment to our mission and business objectives”

    About Hospice Advisors

    Hospice Advisors is a specialty, boutique agency that works with hospice, home care and health systems to help them serve more patients, grow market share and develop financial strength. Through developing and executing strategies and actions targeted at serving more patients and growing, we help organizations advance their mission and business related objectives.

    “I met Kurt in Moscow back in 2008. I engaged him to help us with our concept designs for a new hospital that was being built in New Riga (suburb of Moscow). His knowledge of health care with a focus on outpatient services was extremely helpful. Through our business relationship, together we opened a Home Health Care Company called First Home Care. When in Moscow, Kurt also worked closely with several hospices in town to strength their service delivery capabilities. Mr. Kazanowski is both an excellent health care professional and business man.”

    Alexander Goulko, President CEO
    MediCapital One

    “Kurt helped Glacier Hills acquire a personal care home health company. After the acquisition he spent time working with us to develop our Marketing and Business Development Plan which helped us grow our billable hours. Kurt has also worked with me to better understand how to use hospice in our senior community to enhance the quality of care and level of services we could offer to our residences. By blending his experience as a nurse with his business development expertise he offers a unique approach and style”

    “I have worked with Kurt in two different hospice organizations. His passion, innovation and expert knowledge has helped lead these organizations to grow patient census and bring new business development processes and structure into place. Currently, Kurt is assisting me with the development and marketing of a new Palliative Care Consulting service. I would highly recommend any organization looking for assistance, call Kurt”

    Elizabeth Morgan, MD
    Palliative Care Consulting

    “I have worked with Kurt extensively and have consulted with him regularly over the phone on a number of issues over the last two years. Kurt has been very helpful in assisting my organization with our growth strategies in a number of different areas. Kurt has become a good colleague and friend.”

    “Kurt was a perfect match for what we were exploring for our hospital and hospice program. His experience as a hospital executive, coupled with his tenure in hospice and home care, allowed him to quickly position us to have an immediate impact in growing our hospice services. Kurt worked very well with the Executive Director of our home care, hospice and palliative care services and helped her develop and execute growth strategies to allow us to serve more people. Specifically, Kurt has considerable expertise on the use of the General Inpatient Hospice (GIP) level of care and how it can assist hospitals deal better with those higher acuity hospice patients. I would recommend Kurt highly without hesitation!”

    “Kurt has functioned as our Director of Business Development and spends three days a month on site and works remotely with our staff weekly. Through the development and execution of marketing strategies, field coaching with our marketing staff and helping us break into C-Suites; we have been able to grow our census by 53% over a period of year. Kurt has become a part of our organization and we appreciate his commitment to our mission and business objectives”





    Life Choice Hospice Business Review in Birmingham, AL – Central and South

    #life choice hospice

    #

    Business Review

    BBB Accreditation

    Life Choice Hospice is not BBB Accredited.

    Businesses are under no obligation to seek BBB accreditation, and some businesses are not accredited because they have not sought BBB accreditation.

    To be accredited by BBB, a business must apply for accreditation and BBB must determine that the business meets BBB accreditation standards. which include a commitment to make a good faith effort to resolve any consumer complaints. BBB Accredited Businesses must pay a fee for accreditation review/monitoring and for support of BBB services to the public.

    Reason for Rating

    Factors that lowered Life Choice Hospice’s rating include:

    • Failure to respond to one complaint filed against business.

    Factors that raised Life Choice Hospice’s rating include:

    • Complaint volume filed with BBB for business of this size.

    Customer Complaints Summary

    1 complaint closed with BBB in last 3 years 0 closed in last 12 months

    Advertising Review

    BBB has nothing to report concerning Life Choice Hospice’s advertising at this time.

    What is BBB Advertising Review?

    BBB promotes truth in advertising by contacting advertisers whose claims conflict with the BBB Code of Advertising. These claims come to our attention from our internal review of advertising, consumer complaints and competitor challenges. BBB asks advertisers to prove their claims, change ads to make offers more clear to consumers, and remove misleading or deceptive statements.

    Additional Information

    BBB file opened: 12/04/2013

    Licensing

    This company is in an industry that may require licensing, bonding or registration in order to lawfully do business. BBB encourages you to check with the appropriate agency to be certain any requirements are currently being met.

    These agencies may include:

    Alabama Department of Public Health
    251 N Bayou St
    Mobile, AL 36603-5827
    (334) 206-5300
    http://adph.org

    Business Category




    Canon Hospice, LLC Review – HOSPICES in Gulfport, MS – BBB Business

    #canon hospice

    #

    BBB Accreditation

    This business is not BBB accredited.

    Businesses are under no obligation to seek BBB accreditation, and some businesses are not accredited because they have not sought BBB accreditation.

    To be accredited by BBB, a business must apply for accreditation and BBB must determine that the business meets BBB accreditation standards, which include a commitment to make a good faith effort to resolve any consumer complaints. BBB Accredited Businesses must pay a fee for accreditation review/monitoring and for support of BBB services to the public.

    Reason for Rating

    Based on BBB files, this business has a BBB Rating of No Rating. The reason is as follows:

    • BBB does not have sufficient information to issue a rating on this business.

    Customer Complaints Summary

    0 complaints closed with BBB in last 3 years | 0 closed in last 12 months

    What is a BBB Business Review?

    We offer free reviews on businesses that include background, licensing, consumer experience and other information such as governmental actions that is known to BBB. These reviews are provided for businesses that are BBB accredited and also for businesses that are not BBB accredited.

    About BBB Business Review Content & Services:

    Some Better Business Bureaus offer additional content & services in BBB Business Reviews.
    The additional content & services are typically regional in nature or, in some cases, a new product or service that is being tested prior to a more general release.
    Not all enhanced content & services are available at all Better Business Bureaus.

    Professional Affiliations X

    Types of Complaints Handled by BBB

    BBB handles the following types of complaints between businesses and their customers so long as they are not, or have not been, litigated:

    • Advertising or Sales
    • Billing or Collection
    • Problems with Products or Services
    • Delivery
    • Guarantee or Warranty

    We do not handle workplace disputes, discrimination claims or claims about the quality of health or legal services.

    BBB Complaint Process

    Your complaint will be forwarded to the business within two business days. The business will be asked to respond within 14 days, and if a response is not received, a second request will be made. You will be notified of the business’s response when we receive it (or notified that we received no response). Complaints are usually closed within 30 business days.

    What is BBB Advertising Review?

    BBB promotes truth in advertising by contacting advertisers whose claims conflict with the BBB Code of Advertising. These claims come to our attention from our internal review of advertising, consumer complaints and competitor challenges. BBB asks advertisers to prove their claims, change ads to make offers more clear to consumers, and remove misleading or deceptive statements.

    What government actions does BBB report on?

    BBB reports on known government actions that are relevant to the business’s marketplace dealings with the public.

    Thank you for your feedback!

    BBB Reporting Policy

    As a matter of policy, BBB does not endorse any product, service or business.

    BBB Business Reviews are provided solely to assist you in exercising your own best judgment. Information in this BBB Business Review is believed reliable but not guaranteed as to accuracy.

    BBB Business Reviews generally cover a three-year reporting period. BBB Business Reviews are subject to change at any time.

    Find a Location X




    Hospice Plus Business Review in Dallas, TX – Dallas Texas BBB #cheap

    #hospice plus

    #

    Hospice Plus

    BBB Accreditation

    Hospice Plus is not BBB Accredited.

    Businesses are under no obligation to seek BBB accreditation, and some businesses are not accredited because they have not sought BBB accreditation.

    To be accredited by BBB, a business must apply for accreditation and BBB must determine that the business meets BBB accreditation standards. which include a commitment to make a good faith effort to resolve any consumer complaints. BBB Accredited Businesses must pay a fee for accreditation review/monitoring and for support of BBB services to the public.

    Reason for Rating

    Factors that raised Hospice Plus’ rating include:

    • Length of time business has been operating.
    • No complaints filed with BBB.

    Customer Complaints Summary

    0 complaints closed with BBB in last 3 years 0 closed in last 12 months

    Industry Comparison Chart X

    The information in the table below represents an industry comparison of businesses which are of the same relative size. This is based on BBB’s database of businesses located in Dallas and Northeast Texas. Businesses may engage in more than one type of business. The percent of time the business engages in a type of business is not accounted for. There is no known industry standard for the number of complaints a business can expect. The volume of business and number of transactions may have a bearing on the number of complaints received by BBB.

    *Hospice Plus is in this range.

    Types of Complaints Handled by BBB

    BBB handles the following types of complaints between businesses and their customers so long as they are not, or have not been, litigated:

    • Advertising or Sales
    • Billing or Collection
    • Problems with Products or Services
    • Delivery
    • Guarantee or Warranty

    We do not handle workplace disputes, discrimination claims or claims about the quality of health or legal services.

    BBB Complaint Process

    Your complaint will be forwarded to the company within two business days. The company will be asked to respond within 14 days, and if a response is not received, a second request will be made. You will be notified of the company’s response when we receive it (or notified that we received no response). Complaints are usually closed within 30 business days.

    BBB began including the text of consumer complaints and business responses in BBB Business Reviews on 07/01/2013 for complaints filed on 01/01/2013 and thereafter. This includes all complaints that meet our reporting guidelines and that are filed electronically. We also report on the resolution of the complaint, as determined by BBB.

    Industry Tips for Hospices

    What is BBB Advertising Review?

    BBB promotes truth in advertising by contacting advertisers whose claims conflict with the BBB Code of Advertising. These claims come to our attention from our internal review of advertising, consumer complaints and competitor challenges. BBB asks advertisers to prove their claims, change ads to make offers more clear to consumers, and remove misleading or deceptive statements.

    What government actions does BBB report on?

    BBB reports on known government actions that are relevant to the business’s marketplace dealings with the public.

    About BBB Business Review Content and Services

    Some Better Business Bureaus offer additional content and services in BBB Business Reviews. The additional content and services are typically regional in nature or, in some cases, a new product or service that is being tested prior to a more general release. Not all enhanced content and services are available at all Better Business Bureaus.

    Thank you for your feedback.

    BBB Customer Review Rating plus BBB Rating Overview

    BBB Customer Reviews Rating represents the customers opinions of the business. The Customer Review Rating is based on the number of positive, neutral and negative customer reviews posted that are calculated to produce a score.

    Customer Review Experience





    How to use our sales forecast template #business #travel #forecast

    #

    How to use our sales forecast template

    Our sales forecast template (Excel 120KB) can help you calculate your expected sales revenue and profit potential – and later, help you with your cash flow forecast. Use this article to help you complete our sales forecast template.

    What does the sales forecast template do? This template is an easy-to-use Microsoft Excel spreadsheet that allows you to input your expected sales figures per quarter, along with your overheads. As you plug in your numbers, it automatically calculates quarterly and annual figures for:

    The sales forecast template is also professionally formatted, making it perfect for printing and sharing with your business partners or small business banker. Using the sales forecast template Our sales forecast template helps you to accurately identify projected sales on a quarterly and annual basis. By completing a sales forecast, you won’t be operating in the dark – and you’ll be less likely to be caught off guard at the end of the quarter or year. Using a sales forecast to predict sales and profit also allows you to:

    • Establish targets.
    • Monitor progress.
    • Address expected shortfalls or windfalls.

    Note that this is a sales forecast, not a cash flow forecast. While you’ll want to enter your overheads like rent, salaries, and utilities, you don’t need to get too deep into your expenses. For sales forecasting purposes, you’ll enter the average sale per customer along with the average cost per sale into the template rather than individual expenses.

    Sales forecasting for start-ups

    Sales forecasting is hard for start-ups because you don’t have any past records to use as a basis for your forecast. However, you can use external data. In order to complete a sales forecast for a start-up, you’ll need to:

    • Look at trends.
    • Check out past statistics of market demand.
    • Find out what your competitors are doing.
    • Work out what you need to do to break even.

    Sales forecasting for established businesses

    If you’ve started, then look at:

    • Last year’s sales.
    • Opportunities coming up.
    • Any threats on the horizon.

    For example, if your business averages about 500 customers per quarter with an average sale of $300, that’s your starting point. Assuming nothing changes, you could expect total sales of $150,000 for the quarter. However, opportunities may exist – such as a competitor going out of business or an expansion into a new market. Do you intend to exploit those opportunities? If so, factor that in. How many of your competitor’s customers might you be able to attract or how many new customers do you think you can convert in a new market? The same is true of potential threats – such as an economic slowdown or change in legislation affecting your business. How will these threats affect your sales? Will you lose customers? Will they scale back their purchases? Will your average cost per sale go up? Again factor threats into your forecast. Because opportunities and threats can affect your sales, you’ll want to complete a SWOT analysis as part of a sales forecast for an existing business.

    How to use our sales forecast template

    Using our sales forecast template is easy, but you’ll need to download it to your computer first. From there, complete the following steps Step 1. Open the sales forecast template in Microsoft Excel or a compatible spreadsheet application. Step 2. Enter your name and company name in the ‘Prepared By’ (C3) field. Note that the Date field (F3) is automatically generated. Step 3. Enter your projected sales figures for each quarter. You’ll need to know the following:

    • Number of customers (per quarter).
    • Average sale per customer.
    • Average cost per sale.

    The template will automatically calculate your total sales and gross profit for each quarter and the year based on the data you ent Step 4. Enter your overheads for each quarter. These are your recurring costs such as rent, advertising, postage, uniforms, taxes, payroll, motor vehicle expenses, and salaries. The template includes suggested overheads. If your business doesn’t incur some of these overheads, that’s fine. Use the ‘Other’ field to list any other overheads not listed. The sales forecast template calculates your total overheads and net profit automatically based on the data you enter. Step 5. Examine your results – print your completed sales forecast out and refer to it each quarter to ensure that you’re on target. If you regularly create and monitor sales forecasts each year, your future forecasts are likely to become more accurate.

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    Get Into Med School and Get Undergrad for Free! #undergrad #business #school

    #

    Get Into Med School and Get Undergrad for Free!

    It’s not that Raam Venkatesh didn’t have one heck of a fun time filling out applications to a dozen colleges, from New York University to UCLA. It’s just that, all things being equal, he would be perfectly content not to have a similar experience in three years, when he and other current high-school seniors who have their hearts set on becoming physicians will be applying to medical schools. Venkatesh, who graduated from Lakeside High School in Augusta, Ga. in June 2009, has known since he was a kid that he wanted to be a doctor (he’s thinking cardiology), but that doesn’t mean he wants his choices about what to study as an undergraduate to be dictated by what medical-school admissions offices expect. So the offer from the University of Alabama at Birmingham was one he couldn’t refuse. If he kept up his grades and got decent scores on the MCAT, the med-school admissions test, UAB would guarantee him a place in its well-regarded med school—no application required. “I was really attracted to the program,” says Venkatesh, pausing. “But the guarantee was important.”

    And did I mention that tuition for the UAB program that feeds students into its med school is free? “That you can have a place reserved for you in medical school, and go to college free, is beyond the imagination of many parents,” says bioethicist Greg Pence of UAB, director of the school’s Early Medical School Acceptance Program. “People ask, ‘Why is the best student in Edison, N.J. going to college in Alabama?’ EMSAP is why.”

    The Association of American Medical Colleges lists 43 bachelor’s-M.D. programs starting with admission in 2010. They vary in detail, with some offering a curriculum that lets students graduate with both degrees in six years (University of Missouri–Kansas City) or seven (Northwestern and 16 others). But in most, students complete their undergraduate work in the standard four years and then matriculate at the med school associated with that college, including the University of Southern California, Brown, and Rutgers. The programs have been growing in popularity, says the AAMC’s Gwen Garrison, with 145 students graduating with the two degrees in 2005 and 282 in 2008.

    But acceptance into an undergrad–M.D. program has a cost, literally: the appeal of guaranteed admission to medical school means the undergrad part of the deal generally comes at full price. “Med school is such powerful bait, you don’t have to offer scholarships or much financial aid,” says Pence. UAB has, of necessity, adopted a different philosophy. “If you’re a bright student in L.A. thinking of Harvard and MIT, you’re not thinking of college in Birmingham,” says Pence. “Some people arrive here expecting the Klan to meet them at the airport. We have to sweeten the pot.”

    Admission to the UAB program is based on board scores (it’s looking for a 34 on the ACT or a 1520 on the math-verbal SAT), an interview at the med school, a solid record of AP courses in math and science, and a strong high-school transcript with a GPA of at least 3.5. It was only in 2007 that UAB began to recruit out-of-state students; in 2009 it accepted 12 students from California, Texas, Missouri, New Jersey, Wisconsin, Georgia, and Michigan, as well as Alabama. All qualify for scholarships that cover tuition and, in some cases, books and housing.

    The UAB program includes standard premed fare, with about 10 required courses in organic chemistry, biology, physics, math, statistics, and other premed classics. There are also required seminars in subjects such as bioethics. But the guarantee of admission to med school means students can choose courses, and even majors, that in regular undergrad programs might hurt their chances with the med-school admissions office. UAB’s EMSAP students can major in music, Spanish, or anything else as long as they fit in the premed requirements. Jason Lott, who was a freshman in the UAB program in 1998, earned a B.S. in math and a B.A. in philosophy. “I was able to take a lot of classes in a lot of different fields” because he didn’t have to sweat med-school admissions, says Lott, who hails from Anniston, Ala. Nor did an untraditional (for a premed) major hurt him in med school.

    The freedom to reject a traditional premed major is a big enticement to this year’s freshmen, too. “So many students who want to go to medical school focus on being a premed, but I hope to have an opportunity to focus on other things, such as business and ethnic studies,” says Allen Young, who graduated from high school in Madison, Wis. in 2009 and is starting the UAB program. “This program lets you keep your options open.” That accounts for a lot of its appeal. Michelle Chang, who graduated from high school in Edison, N.J. knows she wants to be a doctor (she job-shadowed a pediatrician during high school) but is not so sure about the traditional premed grind. She is interested in bioethics and arts, especially painting, and expects to pursue those and many other subjects outside the list that med schools look for. For her, the guaranteed admission to med school means her undergrad years will be much less pressured than otherwise. “I didn’t want to do the Ivy path and the traditional premed because I’d be with hundreds of other students who’d be competing to go to med school,” she says.

    That doesn’t mean students can coast. Although all the programs, including UAB’s, toss around the word “guarantee” when they describe the path to med school, that comes with an asterisk. Students have to maintain a certain GPA, for one thing: at UAB it is 3.6, and if you fall below that you’re on probation and have one year to bring it up. If you don’t, or fall below that level again, you’re out of the program (the average GPA for students admitted to the med school through normal channels to the University of Alabama is 3.85). These days, about 15 percent of students flunk out of UAB’s EMSAP, and half are on academic probation during one of their four undergrad years. But the program’s rigor, record, and reputation have skyrocketed. Pence, who became director of the program a decade ago, also made the MCAT mandatory. Now EMSAP students have to get a 28 to continue on to Alabama’s med school; other med schools have their own minimum. Pence also encourages students to apply to other top medical schools. Although that means that competitors “cherry-pick the best EMSAP students,” UAB makes it up at the front end, attracting a caliber of student who might not otherwise consider college in Alabama.

    One such student was Lott, who was the first person in his family to attend college. He applied to several medical schools during his undergraduate years at UAB and eventually chose the University of Pennsylvania. “I was more than adequately prepared for med school,” he says, something he credits to “the analytical training I got, and learning how to handle large amounts of material.”

    Other graduates are now fellows or residents at teaching hospitals affiliated with, among other med schools, Harvard, Penn, Yale, Duke, and Baylor, as well as UAB. Joyce Hsu, for instance, went from the UAB program to Vanderbilt medical school and is now doing a residency at Children’s Hospital in Boston, one of the Harvard teaching hospitals. Suzanne McCluskey, a 2009 grad, continued on to the University of Alabama School of Medicine. “The security of having a spot reserved for me in medical school takes so much pressure off the undergraduate experience,” she says. “I felt I could do everything I wanted, from research to a year abroad [in South America] to courses in human rights—THINGS that are really hard to do with a traditional premed program.”

    And did I mention it’s free?

    Enterprise Request Management #enterprise #request #management, #erm #approach, #erm #strategy, #erm #model,

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    Enterprise Request Management

    What is ERM?

    World-class service delivery today means a relentless focus on customer-centricity–delighting internal and/or external service consumers in the fastest, easiest and most economical manner possible. Frameworks like ITIL, while not dead, have often been applied incorrectly, leading to more frustration than improvement. Service management best practices in the age of the customer need to be more agile, provide greater choice, and demonstrate value.

    Enterprise Request Management, or ERM, is a concept that offers fully integrated business process automation delivered in an intuitive user interface, while employing an integrated back-end delivery model that leverages your existing enterprise software investments. This approach ensures cost-effective enterprise service delivery with first-time fulfillment, resulting in lower costs and happier customers.

    Featured Whitepapers

    To share your thoughts and insights on ERM, join the Enterprise Request Management Group on LinkedIn.

    The problem: Misaligned business processes waste money and frustrate customers

    In shared-service environments, organizational entities (e.g. functional departments like IT, HR, facilities, marketing, accounting) use various methods to interact with “customers” (internal or external) who need business services. This includes recording and resolving incidents, defining and delivering services, and fulfilling other needs people have in order to be productive in their jobs.

    In general, each business support area has its own systems and processes for managing business services delivery. Organizing service delivery in functional silos may seem logical from a departmental perspective, but it leads to inefficiency at the enterprise level. End users are often required to use different systems (for example, a service catalog limited to IT services), or at least different user interfaces, to request business services from different areas. This duplication of effort wastes time and money, creates frustration, and increased training costs.

    Self-Service ROI Calculation

    In general, each business support area has its own systems and processes for managing business services delivery. Organizing service delivery in functional silos may seem logical from a departmental perspective, but it leads to inefficiency at the enterprise level. End users are often required to use different systems (for example, a service catalog limited to IT services), or at least different user interfaces, to request business services from different areas. This duplication of effort wastes time and money, creates frustration, and increased training costs.

    The answer: Enterprise Request Management (ERM)

    The Enterprise Request Management (ERM) approach replaces old-style, proprietary request management approaches with an open model that leverages information in existing enterprise applications and data sources for a centralized, efficient way to manage service requests enterprise-wide.

    With ERM, business process automation follows a defined flow that assures all necessary tasks are completed in the proper order. It can include simple tasks (e.g. register a user for system access) or more complex tasks such as onboarding a new employee. Automation is applied wherever possible. ERM is an agile approach that enables organizations to augment their existing tools and processes to be more customer-focused.

    ERM encompasses the complete request management process from the initial service request through costing and reporting for continuous process improvement.

    Benefits of the ERM approach include:

    • Improved User Experience
    • Centralization of Business Services
    • First time and automated fulfillment
    • Leveraging Existing Systems
    About Kinetic Data

    Kinetic Data creates software that delights our customers, makes them heroes, and transforms both the organization and the people who work there. Kinetic Data has been doing this for 15+ years and the formula is known, repeatable and ready for consumption.

    Connect With Us

    Top Retail POS Software – 2017 Reviews, Pricing & Demos #phone #systems

    #

    Retail POS Software

    What Is the FrontRunners Quadrant?

    A Graphic of the Top-Performing Retail POS Products

    FrontRunners quadrants highlight the top software products for North American small businesses. All products in the quadrant are top performers. Small businesses can use FrontRunners to make more informed decisions about what software is right for them.

    To create this quadrant, we evaluated over 100 retail software products. Those with the top scores for their capability and value made the quadrant.

    Scores are based largely on reviews from real software users, along with other product performance details (e.g. what features they offer, how many customers they have).

    Is One Quadrant Better Than the Others?

    Nope, Products in Any Quadrant May Fit Your Needs

    Every product in this quadrant offers a balance of capability (how much the products can do) and value (whether they re worth their price/cost) that makes them stand out in the race for small business software success.

    FrontRunners has four sub-quadrants:

    • Upper Right = Leaders: Leaders are all-around strong products. They offer a wide range of functionality to a wide range of customers. These products are considered highly valuable by customers.
    • Upper Left = Masters: Masters may focus more heavily on certain key features or market segments than Leaders do. If you need a more specialized set of functionality without bells and whistles, then a product in the Masters quadrant might be right for you.
    • Lower Right = Pacesetters: Pacesetters may offer a strong set of features, but are not rated as highly on value. For example, a Pacesetter might offer greater functionality, but cost more.
    • Lower Left = Contenders: Contenders may focus on a more specialized set of capabilities that are priced at a higher point. This makes them ideal for companies willing to pay more for specific features that meet their unique needs.

    Depending on the specific needs of a software buyer, a product in any of these sub-quadrants could be a good fit.

    Why? To even be considered for this FrontRunners, a product had to meet a minimum user rating score of 3.1 for capability and 3.2 for value. This means that all products that qualify as FrontRunners are top-performing products in their market. They appear in the quadrant in relation to how their peers performed.

    For some buyers, a specific FrontRunners sub-quadrant might be best. For example, certain retail software products with an emphasis inventory management fit perfectly at home in the Pacesetters quadrant.

    You can download the full FrontRunners for Retail Management report here. It contains individual scorecards for each product on the Frontrunners quadrant.

    How Are FrontRunners Products Selected?

    Products Are Scored Based on User Reviews and Other Data

    You can find the full FrontRunners methodology here. but the gist is that products are scored in two areas, Capability and Value.

    To be considered at all, products must have at least 10 reviews and meet minimum user rating scores. They also have to offer a core set of functionality for example, all products considered offer point of sale, inventory management and barcode scanning capabilities, as well as at least one of the following: accounting management, customer management and reporting/analytics.

    From there, user reviews and other product performance details, such as the product’s customer base and the features it offers, dictate the Capability and Value scores. Capability is plotted on the x-axis, and Value is plotted on the y-axis.

    Got It. But What if I Have More Questions?

    Check Out Our Additional Resources!

    For more information about FrontRunners, check out the following:

    • Check out the FrontRunners frequently asked questions (FAQ) for more detailed answers and information about how it works.
    • Check out the complete FrontRunners methodology to understand the scoring.

    Have questions about how to choose the right product for you? You re in luck! Every day, our team of advisors provides (free) customized shortlists of products to hundreds of small businesses.

    • Simply take this short questionnaire to help us match you with products that meet your specific needs.
    • Or, talk to one of our experienced software advisors about your needs it s quick, free, and there s no-obligation by calling (844) 687-6771.

    One Last Thing How Do I Reference FrontRunners?

    Just Follow Our External Usage Guidelines

    Check out the FrontRunners External Usage Guidelines when referencing FrontRunners content. Except in digital media with character limitations, the following disclaimer MUST appear with any/all FrontRunners reference(s) and graphic use:

    FrontRunners scores and graphics are derived from individual end-user reviews based on their own experiences, vendor-supplied information and publicly available product information; they do not represent the views of Gartner or its affiliates.

    Runners Up

    Providers listed as Runners Up were eligible for inclusion in the FrontRunners quadrant, including having 10+ product reviews, but their value or capability axis score was not high enough for positioning on the FrontRunners quadrant.

    Buyer’s Guide

    Retail Point of Sale (POS) systems, also known as POS software, have come a long way from being bolt-on applications for cash registers. Today, the cash register as the cornerstone piece of retail technology has been replaced by PCs, tablets and mobile devices.

    Retail software vendors offer integrated software programs and POS systems for “mom-and-pop” stores to large retail chains, and everything in between. Retail software applications handle any combination of checkout, inventory control, customer management, e-commerce sales, merchandising and distribution. These systems help retailers automate the point of sale, improve inventory tracking and enable more effective management of customer data to grow profits and decrease store inefficiencies.

    Continuously falling hardware and equipment costs, the emergence of mobile devices like iPads and new cloud-based POS offerings have led to more choices than ever. This leaves buyers with a daunting challenge as they try to determine the best application for their needs. The goal of this buyer’s guide is to help retailers understand the market as they begin their research. What we’ll cover:

    Common Features of Retail Software

    For buyers that manage a single store, the most important features to look for include:

    • Point of sale management
    • Inventory control
    • Accounting management
    • Customer relationship management

    Retail software products are generally straightforward, helping retailers ring up customers, update inventory levels, present basic reports and keep track of customers.

    Recovery of Bad Debt Accounting #business #bad #debt

    #

    Recovery of Bad Debt Accounting

    Related Articles

    Once it becomes obvious that your business is not going to collect an outstanding receivable, you make a decision to write off the debt. If your customer later pays you for the debt, you must account for the money you receive. The exact method you use to account for the recovery of a bad debt depends on the structure of your chart of accounts and the steps you took to write off the receivable.

    Allowance for Bad Debt

    Typically, businesses that sell on credit establish a reserve account that they can use to write off bad debts as they occur. Choosing the method of funding the allowance account depends on your preferences, the nature of your business and the amount of bad debts you normally experience. After analyzing your bad debts, you might choose to use a percentage of your total receivables or your sales as a guideline. For example, if your sales for last year were $100,000 and you expensed $10,000 in bad debts, you could reserve 10 percent of your sales each month for bad debts. Alternatively, your target could be based on your receivables aging report. You might consider 90 percent of accounts over 180 days old to be uncollectable, for example, and 50 percent of accounts over 90 days to be uncollectable. However, if you seldom sell on credit or have only an occasional small debt that you cannot collect, you can choose to forgo a reserve account if the amount is small enough to be immaterial.

    Reserving Allowance

    The steps to fund your allowance for bad debt account involve both your balance sheet and your income statement. On the balance sheet, you would credit your allowance for bad debt account. Impact your income statement by the same amount in your bad debt expense account. Your receivables carry a positive balance, so when netted against your reserve account, you have a clearer picture of what your outstanding collectables are. If your reserve account shows a positive balance, you have written off more than you reserved. You need to credit the reserve account and debit your expense account.

    Writing Off Bad Debt

    Once you decide there is little chance of collecting a debt, you can write it off. If you have a reserve account, you would debit your reserve account and credit receivables. Should your reserve account be insufficient, you would need to credit receivables for the full amount, debit your reserve account for as much as you can and then expense the remainder. If you do not maintain a reserve account, credit receivables for the full amount and debit expense for bad debts for the same amount.

    Recovery of Bad Debt

    If your customer pays you for a debt you have already written off, how you account for the payment depends on the steps you took previously. In simplest terms, reverse what you did. If you maintain a reserve account, this will typically be a two-step process. First, you need to return the money to your receivables account. Debit receivables and credit your reserve account, and then credit receivables and debit cash. If you operate without a reserve account and expensed the bad debt, credit your bad debt expense account and debit cash.

    Effect on Income Tax

    Bad debts are a legitimate business expense. Writing off a bad debt reduces your tax liability as it reduces your profits. If you recover a bad debt in a subsequent year, you must include it as income for the year in which it is received. Normally, this will not be an issue, because the recovered amount will simply reduce the amount of the bad debt expense account for the current year. However, if your expense account shows a credit balance, this indicates that you have recovered a bad debt greater in value than what you expensed. You must be sure to include this recovery when you file your taxes.

    Austin Business License Applications #city #of #austin #small #business

    #

    Apply For A Business License Austin, Texas

    Is a business license required in Austin, TX?

    Only a small portion of business owners are mandated to obtain a business license in Austin, Texas. A business license is only required for those who:

    • Operate taxi or transportation services
    • Liquor services
    • Adult entertainment
    • Clinics and hospitals
    • Animal hospitals and animal breeding
    • Dance studios
    • Contractor activities
    • Scrap and salvage services
    • Massage parlors
    • Any service in which a state license is required
    • Rental outlets
    • Automotive repair services
    • Businesses involving engines, repair services, or heavy equipment
    • Recycling centers
    • Equipment sales
    • Restaurants

    As the City of Austin s requirements can change or broaden at any time, it is recommended that you contact the City directly to discover whether or not you will be required to obtain a business license. Even if you are not required to maintain a business license, this does not mean that you as a business owner won t have to obtain certain permits to open business doors. All business owners are required to consult with the Planning and Development Review Department to ensure that the business location is safe and within zoning protocol.

    How will I know what Austin, Texas permits I need?

    You may visit the official Austin city website for a thorough explanation of which permits are needed and for what purposes so that you may know what to expect for your individual business.

    What is the cost or fee associated with obtaining an Austin business license?

    Business fees range so widely from one type of business to another that the City of Austin requests that you contact them for a estimate of what fees you can expect for operating your business within the city limits. Even if you are not required to obtain a business license, you still may have fees or taxes or both that may be due to the City. Contact them at (512) 974-2747 or (512) 974-2380.

    Who do I call with questions regarding City of Austin zoning?

    The City of Austin Planning and Development Review Department has authority over which areas of the City of Austin are reserved for businesses. They will be able to advise you and which of those areas are suitable for your type of business. You may reach them at (512) 974-7668.

    What will be needed to complete the City of Austin business license?

    If your business type is mandated to apply for a business license, the following is the general information that you will need:

    • Name of business
    • Name of applicant
    • Applicant s contact information
    • Business activity description (The applications are business-specific. If you have questions regarding which application you should complete, contact the city with questions.)
    • Date of business start
    • Business owner
    • Owner s contact information
    • Answer to the question, Are all of your needed permits completed?
    • Signatures of applicant and business owner
    • Date of application

    Can I operate my Austin small business from home?

    Home-based businesses are permitted in the City of Austin. However, there is a list of exceptions that are not allowed to be residentially-based. Home occupations that are prohibited are:

    • Liquor services
    • Adult entertainment
    • Clinics and hospitals
    • Animal hospitals and animal breeding
    • Dance studios
    • Contractor activities
    • Scrap and salvage services
    • Massage parlors
    • Any service in which a state license is required
    • Rental outlets
    • Automotive repair services
    • Businesses involving engines, repair services, or heavy equipment
    • Recycling centers
    • Equipment sales
    • Restaurants

    Where can I apply for a business license in Austin, TX?

    To find out what permits you may need and to apply for permits or licenses, contact:

    City of Austin Development Services
    One Texas Center
    505 Barton Springs Road
    Austin, Texas 78704

    Any questions or concerns?

    If there are any questions regarding obtaining a business license, permits for your business or if you will need a business license, please contact the City of Austin Planning and Development Review Department:

    City of Austin Development Services
    One Texas Center
    505 Barton Springs Road
    Austin, Texas 78704

    You may also visit the official Austin city website to find additional resources for your business.

    Click the link to your city below to apply for a business license

    There has never been a better time to get a degree. Even top Universities across the U.S. have joined the movement that’s allowing millions to get an education online. Business degrees are the perfect stepping stone for building a career, increasing earning potential, and ultimately growing your business.

    Find out how to improve your knowledge and increase your earning potential by getting an online business degree. Click here to find the program that’s right for you.

    Search by State

    To find more information about a business license in your state choose the state below.

    This site is for informational purposes only and does not constitute legal, financial or tax advise. The information on this site should not be relied upon as an official source of information and should be independently verified.

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  • 2007-2013 City Applications, LLC. All Rights Reserved.

    Compare Business Insurance Quotes – MoneySuperMarket, business liability insurance cost.#Business #liability #insurance

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    Business Insurance

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    We’ll help you to compare more than just the price of your business insurance cover, with a variety of options, policy types and services to choose from, enabling you to build the best fit policy for your business.

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    We want to show you quotes from as many business insurers as posisble, so you can find the right policy for you and your business. We can’t promise to have quotes from every single insurer, because some companies don’t want to be included on comparison websites. You can find out more about how we work here.

    Insuring your business

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    Get the right insurance for your business with MoneySuperMarket

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    Business Email Solution: Small Business Email and POP3 Hosting Solution #small #business

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    Business Email Solution

    Completely Hosted. Quick Setup. The email system is completely hosted by us. You don’t need to setup any hardware or download. Just sign up online and get started!

    Microsoft Exchange Alternative . All the benefits of Microsoft Exchange without having to set up hardware or software. Access mail, power Outlook, share contacts, calendars and tasks, synchronize across devices and more!

    Outlook Email Integration. HyperOffice lets you operate your email account through your Outlook client.

    Integrated Address Books, Calendars, Tasks. Completely integrated productivity tools like shared contact lists, calendars and task management supercharge team productivity.

  • Mobile Push Mail. Push email support for almost every well known mobile devices including iPhone, BlackBerry, Windows Mobile, many Nokia and Android phones, and others. Keep your mail in synch between your mobile, online and Outlook accounts.
  • Live Training Support. Just call. Our solution experts are always at hand to help. Attend our daily live webinars.

    Business Email Features

  • Retain Your Current Email Address. You can use HyperOffice’s power and retain your current email if you choose.
  • IMAP and POP3 Email . Access you mail through any IMAP or POP3 client on your desktop or mobile
  • Webmail. Get webmail access on any web browser on any PC or Mac.
  • Mobile Mail. Push mail to mobile devices including iPhone, Blackberry. Windows Mobile, many Nokia and Android phones, and others.
    • Share Outlook. Access your mail, contacts, calendars and tasks on Outlook. Even share Outlook contacts, calendars and tasks with your team.
    • Automatic Synchronization. No matter where you access your mail, contacts, calendars and tasks – Outlook, online on HyperOffice or mobile – they are automatically updated and mirrored.
    • Spam and Virus Protection. Corporate level spam filters and virus protection ensures that only legitimate email gets to you.
    • Generous Storage. Generous 5 GB storage with our basic plan which can be upgraded.
    • Email Address Books. Organize individual and group contacts by setting up unlimited shared contact lists.
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    Founded in 1998, HyperOffice is a market leader in cloud collaboration and communication software for small and medium sized businesses. We provide the most comprehensive suite of solutions developed over more than 12 years of understanding your growing business needs. HyperOffice’s capabilities include customer portal intranet software. online document management. online project management. shared calendars. contact management software. business email. Outlook sharing and synchronization. push email and mobile collaboration. online database software and web forms and much more – offered as an integrated, easy to use solution accessible over any web connected PC, Mac, or mobile device. HyperOffice is also a viable Microsoft Sharepoint alternative and Microsoft Exchange alternative for growing companies looking for the power of enterprise class messaging and collaboration – but without the associated costs and hassles.

    Copyright 2014 HyperOffice. All rights reserved.

    Why You Should Avoid Home Warranty Choices – Consumer Reports #home #warranties,

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    Why you should avoid home warranty choices

    It’s possible that you’ve bought your share of home warranties—service contracts that promise to cover appliances and other items that break down in your home. You probably should not have. A recent complaint consumer officials in New Jersery filed against Choice Home Warranty in Edison, N.J. illustrates why.

    The state’s complaint says that far too often, warranty claims are denied because the company says the problem was pre-existing. Or, the claim is denied because the consumer can’t prove that a broken item was properly maintained. We’ve seen consumers raise these issues in the past in connection with home warranties and other types of service contracts.

    In this particular case, New Jersey officials say that Choice Home Warranty repeatedly made it difficult if not impossible for consumers to realize the benefits of their so-called warranties, the New Jersey Division of Consumer Affairs said in a statement announcing the complaint. which was filed in state superior court in Middlesex County.

    The state said the company, which sold coverage in at least 25 states, denied claims even when technicians said covered products had been property maintained or that a problem wasn’t pre-existing or caused by a lack of maintenance. For some claims, the state said, the company demanded that customers provide years of maintenance records.

    While the coverage required the company to replace products that couldn’t be repaired, the state said the company offered consumers cash buyouts for hundreds of dollars less than it would cost to replace the item. And in some cases, local technicians dispatched to handle claims refused to respond, saying the company failed to pay them for their previous service.

    In a statement, Choice Home Warranty said that it denies the allegations and will vigorously defend itself against them. The company also said it has paid tens of millions of dollars in claims for repairs and replacements and that the consumers who complained represent are small fraction of its customers.

    Choice Home Warranty has an F rating from the Better Business Bureau because of 957 complaints, the time it took the company to resolve the issues, and the New Jersey complaint.

    What to do

    We recommend avoiding service contracts, even those provided by companies that have no record of engaging in such shenanigans. The reason is that coverage for contracts that cover homes and cars, for example, can cost hundreds of dollars.

    We also believe that it makes much more sense to buy reliable products and maintain them as the manufacturer recommends. Do that, and there’s a good chance you won’t need to make any significant repairs before the product becomes obsolete. Put the money you otherwise would use to buy a service contract into a savings account or product repair-and-replacement fund.

    If a product breaks after the express warranty expires, there are many other ways you may be able to obtain a free or low-cost repair. Many credit card issuers automatically extend the manufacturer’s warranty for an extra year or so for most products you buy using their card. Many companies also have goodwill programs and service campaigns that provide free or low-cost repairs or product replacement for items that fail in an unreasonably short time.

    And under the so-called implied warranty of merchantability. which automatically accompanies many purchases under state laws, retailers and/or manufacturers may be legally required to address a product defect even if the express warranty has expired. Finally, manufacturers generally must initiate recalls and provide free repairs for safety-related defects.

    Products Services

    View Recent & Past Issues

    2006 – 2017 Consumer Reports

    2006 – 2017 Consumer Reports

    Brightstar Limited – Leased Lines, Broadband, VPN, IP Transit, Hosting, Co-Location, Managed

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    isp for small business

    At Brightstar, we offer a full range of voice, data and bespoke communications solutions for businesses of all sizes, from national blue chip organisations with 1,000+ users to SMEs with just a handful of staff.

    Contact us now to see how we can solve your business connectivity challenges.

    This site is for enterprise customers. If you are an SME, visit here.

    Brightstar benefits

    Isp for small business

    Stay online:

    From 24Mbps broadband to 1Gbps fibre, to 3G/4G or even microwave, we have the full range of connectivity solutions your business needs to stay online and stay productive.

    Isp for small business

    Stay in touch:

    With fixed line, VoIP and mobile all delivered from one provider, we have all the voice solutions you need to stay connected.

    Isp for small business

    Stay flexible:

    With the very latest cloud solutions for datacentres, hosting, software and security, your IT and connectivity can scale to meet your needs.

    Isp for small business

    Stay ahead:

    With bespoke solutions tailored to meet your business’s specific IT and communications needs, we have everything you need to outsmart your competition.

    Isp for small business

    Stay available:

    Our datacentre solutions are fully managed, scalable and secure so that you are always available to serve your customers.

    Isp for small business

    Stay innovative:

    Keeping up with the latest technologies is a full time occupation. By leveraging our consultancy services in hardware, software and connectivity, you can be assured that your business makes the most of the very latest innovations.

    SAP Cloud Computing #sap #cloud #computing, #sap #cloud #computing #solution, #sap #cloud

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    WFTCloud offers SAP, ERP Cloud computing solutions & systems! WFTCloud.com offers SAP on the cloud computing solutions, services & systems including Cloud ERP & CRM on-demand solutions at an unmatched cost. Utilize WFT’s expertise for SAP cloud computing solutions including Cloud ERP & CRM on-demand solutions for your business. Call Now.

    Pay per Use model for Cloud SAP ERP systems & ERP on the Cloud solutions.

    We drastically reduced your SAP implementation cost by introducing a pay per use model for online SAP access, cloud SAP ERP system, on demand SAP & ERP on the cloud solutions. To know more about our pricing packages for cloud SAP ERP solutions, on demand ERP, web based ERP systems & SAP ERP on the cloud services Contact Us Now!

    SAP Certified provider of SAP, ERP cloud services.

    WFTCloud is a certified provider of SAP cloud computing solutions, cloud SAP ERP systems, ERP on the cloud, on demand ERP, web based ERP systems & SAP cloud services. Get implementation of cloud SAP ERP system, ERP on the cloud, on demand ERP, web based ERP system & SAP cloud services at a fraction of conventional cost.

    © Copyright 2013. WFTCloud. All rights reserved.

    Certified Translation Services, Translation Agency Delhi Mumbai, India #translation, #languages, #company, #translators,

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    File Formats we Translate

    All MS Office file formats: RTF, DOC/DOCX, XLS/XLS, PPT/PPTX, CSV, etc.)
    Image file formats including scanned DF, TIFF, JPG, Bitmap, etc.
    FrameMaker (FM, MIF), InDesign (IND), Quark Express files (QXD), Illustrator(AI, EPS) etc.
    Portable Document Format (PDFs)
    Markup Language Files (.XML), (.HTML), (.SGML).

    Dear Linguist,
    Please do not accept any projects from public email accounts like yahoo, gmail, rediff or any other. For all our business activities we use our internal company account like If you receive projects from accounts like or any other please do not pay attention. We approach linguist through our company’s internal email account only.

    Please beware of fake email accounts.

    For Excellence in Language Translation Services – STPL

    Somya Translators Pvt. Ltd., the foremost professional Language Translation Service and localization services provider company in Delhi, India. The linguistic industry has expanded rapidly over the past decade and continues to grow. At this juncture, it is imperative to have an assorted mix of language translation services . which can be valuable and boost your business growth. With years of experience, the trusted team of Somya Translators Delhi, India proves to be the first and best choice. We intend to keep this growth consistent through our certified standard project execution quality management system and cost-effective services in top ten major languages of the world like, Spanish, German, French, Japanese, Chinese, Russian, Italian, Portuguese, Korean, Persian, Hindi and Indian etc .

    Since our establishment, we have stayed true to our motto You say it, We do it.’ Based on the target language and specific requirements of the client worldwide, a team of expert native linguists are assigned to each project individually according to their expertisation. The market is overflowing with huge number of authorised agencies / companies who claim to offer the best localization and certified translation service in their respective fields. We assure you cost-effective services, dynamically designed in accordance to your specifications.

    Why You Prefer Us?

    Our services include, but are not restricted to translate only general documents and certificates also we do translation in technical, telecom, medical, research, IT, games, Financial or legal documents. Click to see more domains in our website . Also offering software localization, subtitle translation, interpreting and desktop publishing with superior quality, and we deliver it within your deadline. OurLocalization Company offers 24×7 approved localization services to efficiently assist our national as well as global clients. With our head office located at Delhi, India, and branch office in Airoli, Mumbai, India also at Los Angles, California. We serve clients across 50 countries, in more than 100+ foreign languages. Take a glance at the services offered and choose.

    • We provide Language services by the team of dedicated certified professional language translators in their particular language and domain. Our team comprises of both national and international native language translator.
    • Each project goes under formal editing proofreading process after translating and then gets reviewed by domain experts before final draft.
    • We use latest linguistic tools, equipments, and software’s.
    • We provide approved and Instant Language Translation service in over 100+ known languages.
    • On-time delivery of taken projects and reply to every kind of mail within 3 hours.
    • 24X7 customer care support.
    • A global network of production facilities.
    • Guarantee High quality fast services at reasonable prices.

    With today’s constantly changing trends, we ensure that we regularly upgrade our linguistic services. We use state of the art technology and an innovative approach which ensures that our project team and leaders will always aim to meet our clients’ expectations. The combination of skilled manpower and utilization of innovative technology and expertise enables us to undertake any kind of projects. Our team of professional translators from India and other Countries remains up to date with the latest tools in the linguistic industry, by providing time to time varied training program and solutions.

    Experience the effectiveness of our varied services, which are high on the quality quotient and low on the price quotient .

    Predictive Analytics #predictive #business #intelligence

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    Accelerate your digital transformation – with SAP Predictive Analytics

    Why SAP Predictive Analytics?

    Because our powerful predictive analytics software allows you to create better and faster predictive results, deliver machine learning at scale using a factory approach and bring predictive insights where people interact – in business processes and applications. With SAP Predictive Analytics you can:

    • Automate data prep, predictive modelling, and deployment – and easily retrain models
    • Harness in-database predictive scoring for a wide variety of target systems
    • Leverage advanced visualisation capabilities to quickly reveal insights
    • Integrate with R to enable a large number of algorithms and custom R scripts
    • Deploy SAP Predictive Analytics stand-alone or with SAP HANA

    Learn how SAP Predictive Analytics can simplify the lives of business users and IT staff:

    • Automated analytics
      Let business analysts and data scientists use automated technique to build sophisticated predictive models that can be embedded in business processes – in days, not weeks or months.
    • Expert analytics
      Provide a modelling environment for open-source R-based algorithms, SAP HANA PAL, and SAP Automated Predictive Library (APL). Build predictive models with a powerful drag-and-drop interface, and allow users to use their own R scripts.
    • Model management
      Provide end-to-end model management, maintain peak performance for thousands of predictive models, and schedule updates as needed.
    • Data Manager
      Data Manager provides a framework to facilitate automated data preparation. Users can define a broad set of reusable components, which can be applied to automatically create modelling data sets.
    • Predictive scoring
      Get individual variable contributions for every predictive model. Simulate, and score of a specific business question – in real time. Generate predictive scoring for a wide variety of target systems and directly embed the results.
    • Social and recommendation
      Run powerful network and link analysis to understand the connections and relationships between your customers – and discover which customers have a strong social influence. This capability can help you better manage churn, risk, and fraud.
    • Advanced Visualisation
      Advanced Visualisation provides an intuitive way to explore your data. Transform the results of applied predictive modelling into stunning, advanced visualisations that reveal actionable insights.
    • Predictive automation
      Support both SAP and non-SAP environments.
    • Big Data analytics
      Automate the building of predictive models based on data stored in Hadoop. Do data manipulation, model training, and retraining directly on Hadoop data using the Spark engine.
    • Automated predictive library
      Use the application’s automated analytics engine and data mining capabilities on your data stored in SAP HANA.
    • R integration
      Leverage tight integration with R to enable a large number of algorithms and custom R scripts for analysing your data.

    Business Loans #business #loans, #business #loan, #small #business #loans, #small #business #loan,

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    Apply Now

    Business Loans

    Fast Business Lending Solutions Merchant Advisors offers small businesses a platform for business financing. Whether you need funding for expansion or working capital, Merchant Advisors gets you the business financing you need when you need it at minimal costs.

    We understand that every business has its unique borrowing needs. Some may want to make new purchases to boost productivity and sales; some need working capital to support operating costs. That’s why we offer the use of innovative technology to offer simple, fast and unsecured business loans. As a non-bank lender, Merchant Advisors offers low longer terms and low rates for more effective business financing. We realize that if a loan costs too much – we may not get paid back! We prevent this by offering affordable business financing.

    Unlike bank lending, our financial experts walk you through the loan process to make sure you have a full understanding of our loan process. We strive to make the loan application process as easy as possible; and this is what sets us apart from other lenders.

    A Smarter Way to Shop for Business Loans, Compare & Save! Our goal is to serve our clients’ immediate and long term financial needs from basic business loans and credit lines to the most intricate financial situations. In today’s fast paced market time is money and we make sure you waste neither. Our experienced financial advisors keep their finger on the pulse of your business, and stay on top of your industries trends which can affect your entrepreneurial goals or existing enterprise.

    If this sounds like something that interests you & benefits you, we highly recommend you APPLY NOW to get started with no upfront fees and no commitment to find out how much you’re eligible for.

    What Sets Us Apart from Other Lenders?

    • We deal with the industry’s most trusted brand name providers
    • Increases your chance of approval by constantly adding new private lenders to our portfolio
    • You get the same (if not better) rate going through us to due to our portfolio track record with our lenders
    • Get a loan for your company without any collateral
    • Receive funding within a few business days!
    • Easiest lending platform with minimal information required for approvals
    • Best rates, save time, and save money!
    • Equipment financing, minority loans, startup funding, working capital many others options.

    Oakmark’s Bill Nygren Finds Value in Financials #fast #money #halftime #report, #fast

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    Oakmark s Bill Nygren Finds Value in Financials

    The financial sector has long-term growth potential stronger than the pressure on its net interest margins, Oakmark Fund’s Bill Nygren told CNBC on Monday.

    “I think, clearly, as long as interest rates stay as low as they are now, that’s going to put pressure on NIMs for the whole banking industry,” he said on “Fast Money .”

    Oakmark s Bill Nygren Finds Value in Financials Monday, 17 Sep 2012 | 12:41 PM ET

    “But the other side of that is, since the financial crisis four years ago, a lot of the competition that banks had have gone away, and that’s allowing them to earn higher margins on a lot of their products,” he added.

    Nygren’s fund listed Capital One and JPMorgan among its largest financial holdings.

    “We’re not trying to argue that these are fantastic businesses, but what we’re saying is the best banks sell at maybe three-quarters of book value. A lot of the others sell at about half of book value, and you don’t need tremendously good results from these banks to make them go up from these levels.”

    Nygren also identified TE Connectivity as a stock that had upside potential, due to its healthy dividend yield, its share base declining 2 to 5 percent per year and top-line growth.

    “We think you combine those three, you get a pretty nice rate of return, even if the PE-multiple doesn’t change,” he said.

    Trader disclosure: On Sept. 17, 2012, the following stocks and commodities mentioned or intended to be mentioned on CNBC’s “Fast Money” were owned by the “Fast Money” traders: Stephanie Link is long AAPL; Stephanie Link is long JPM; Stephanie Link is long WFC; Stephanie Link is long EBAY; Stephanie Link is long AIG; Joe Terranova is long VRTS; Joe Terranova is long WFM; Joe Terranova is long SWN; Joe Terranova is long AAPL; Joe Terranova is long TRV; Joe Terranova is long VZ; Joe Terranova is long VLO; Joe Terranova is long CSTR; Joe Terranova is long CHKP; Joe Terranova is long EMC; Joe Terranova is long NXPI; Joe Terranova is long AAPL SEPT. 655 PUTS; Joe Terranova is long AAPL SEPT. 640 PUTS; Mike Murphy is long WFC; Mike Murphy is long TGT; Mike Murphy is long FB; Mike Murphy is long EBAY; Josh Brown is long MRK; Josh Brown is long AAPL; Josh Brown is long RAX; Josh Brown is long LULU;

    For Faisal Kahn
    Within the past 12 months, Citigroup Global Markets Inc. or its affiliates has acted as manager or co-manager of an offering of securities of CVX

    Within the past 12 months, Citigroup Global Markets Inc. or its affiliates has acted as manager or co-manager of an offering of securities of VLO

    Within the past 12 months, Citigroup Global Markets Inc. or its affiliates has acted as manager or co-manager of an offering of securities of PSX.

    Winners – Shortlist – British Small Business Awards, alternative lending small business.#Alternative

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    The 2016 Winners Shortlist

    This category will recognise the accountancy software provider that best suits the needs of SMEs, with the judges considering level of innovation, impressive customer care, value for money, and a product that best assists small companies with managing their finances.

    The judges will look for the accountancy/tax advisory firm that has gone the furthest to target and help smaller companies, with quality of client service, value for money and SME-focused initiatives being prime considerations.

    The judges will assess online finance providers such as crowdfunding sites and peer-to-peer lenders. They will look for the operators most notable in financing small companies, considering factors such as volume of funds provided, innovative services and a dedicated SME offering.

    Business Bank Account of the Year

    For this category, the judges will look for the banking operator with the best business bank accounts for smaller companies, taking into consideration quality of customer service and SME-focused initiatives. Note: This category recognises business bank accounts rather than lending facilities.

    Business Lender of the Year

    This award recognises the lending institution, whether a bank or solely online provider, that has best addressed the needs of smaller businesses, with the judges considering factors such as access to and supply of debt, customer service and SME-focused initiatives.

    Insurance Provider of the Year
    Technology Provider of the Year

    This category rewards the technology provider that has placed an SME service at the heart of its offering, displaying innovation, impressive customer care and a product to help small companies run efficiently and grow.

    2016 Winner: Xero

    Utilities Provider of the Year

    This award acknowledges the utilities provider that manages the needs of small businesses better than its competitors, with judges considering a combination of the best value, customer service, reliability, and SME focused initiatives.

    Website Builder of the Year

    In this category, the judges will assess the website building and/or design platform that best serves small businesses, with design, functionality, innovation and value for money being key considerations.

    Community Business of the Year

    In this category, the judges will choose the business of less than 50 staff that has shown the most contribution to a local community, with considerations including the provision of local jobs, a highly-valued local service, and/or other factors making the business integral to the vicinity.

    Disruptor of the Year

    The Disruptor of the Year category rewards the business of less than 50 total staff that has shown a demonstrable ability to bring market-changing ideas to a sector, with the resulting product/service being truly innovative.

    Exporter of the Year

    The Exporter of the Year will be an business of less than 50 total staff that has demonstrated an ability to succeed in international markets, with judges considering export sales growth/consistency and a notable aptitude for adapting a product or service to new markets.

    Micro Business of the Year

    The Micro Business of the Year will be a company of 2-9 people that has demonstrated strong revenue growth and a product or service of a quality that stands above competitors. The identifying of and capitalising on scale opportunities will also be noted by the judges.

    2016 Winner: Handrail Creations

    Online Business of the Year

    This category will recognise online business of less than 50 total staff. The judges will take into consideration factors such as consistent/growing sales over the past year, a niche position in its industry, longevity, and outstanding innovation.

    Retail Business of the Year

    The Retail Business of the Year will be a small retailer that has shown a combination of factors including consistent/growing sales over the past year, a niche position in its industry, longevity, and/or outstanding innovation.

    Small Business of the Year

    The judges will look for a small business of 10-50 employees with the most innovative and sector-disrupting service/product combined with strong turnover growth over the past year.

    2016 Winner: Inclusion Housing

    Sole Trader of the Year

    This award recognises the sole trader business that provides a service/product that stands above peers, demonstrating consistent sales over the past year and a niche position in its industry.

    Idea 3G Sim Cards – 3G Unlimited Internet Data Plans #cheapest #business

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    Know Idea 3G Internet

    Why Idea 3G?

    • Don’t just call, video call
    • Updates on social networking sites in a jiffy
    • Upload and download heavy files at blazing speeds
    • Watch Live TV on your mobile
    • Catch up on all your favourite videos, on demand
    • Explore 30,000 + apps and games at Idea Mall

    Fasten your seat belts; 3G is going to put you on the fast track.

    3G Vs 2G

    3G Internet Guide

    Must Haves

    What do I require to experience 3G?
    You need a 3G compatible handset. To know whether your handset is 3G compatible, SMS CHECK to 12345 (toll free). To activate 3G services SMS ACT3G to 12345 (toll free). Dial *147# (toll free) to know about all the plans on offer. To remain connected seamlessly, go to Network mode in your handset and select the option which provides both 3G & 2G connectivity. This option varies from Handset & Operating Systems. Eg:In Nokia Symbian OS, the option is “Dual”. In Samsung Android OS, the option is “GSM/WCDMA”.

    Coverage

    If I move out of a 3G coverage area, will my network become inaccessible?
    On most handsets, the 3G icon will appear on your screen to indicate accessibility. When you move out of a 3G coverage area, the icon will disappear and you will be automatically transferred to the 2G network. Your phone will continue to work irrespective of your movement between 2G and 3G areas.

    Settings

    Do I need additional settings for Mobile Internet and Video Calling?
    No additional settings are required for mobile internet settings (2G & 3G); SMS SET to 54671 (toll free) and save the settings received OR call our customer care. There are no separate APNs for 3G. Video Calling is automatically activated.

    Roaming

    Will my 3G services work when on roaming? And will I be charged extra for the same?
    Yes, 3G services will work when you are roaming too; except in Orissa. Roaming charges are always different as in the case of current voice and internet rates in the existing 2G scenario

    Deactivate

    Can I deactivate 3G?
    Yes, you can. Simply SMS DEACT3G to 12345 (toll free). Do remember to dial *147# and change your internet plan also. You can also deactivate 3G for a small period of time. To do so, go to Settings > Network > select 2G network on handset. The 3G packs that you have activated will remain; but only 2G speeds will be available. If you do not want your 3G pack, you may call customer care and deactivate the same.

    Charges

    How will moving from 3G to 2G affect my charges?
    Your 3G packs will continue as is, your internet speeds will become 2G while your charges will continue as per your 3G pack. If you are on a Video Calling pack, the rental deduction will continue, but no per call charge will be added as you will not be able to make any video calls.
    Will 3G be very expensive?
    No, 3G will be quite friendly on your wallet.

    Circles

    Since Idea has license for 3G in only 11 circles, will my services work in an area where Idea does not have 3G coverage?
    Yes, 3G for any Idea user will work across the country, except in Orissa.

    New To Idea

    I moved to Idea recently (from another operator, retaining my existing number); can I opt for 3G too?
    Yes, absolutely. 3G is for all customers, old and new.

    Texas Business – Business Licenses, Permits and Registration #texas #business, #texas #business

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    Texas Business Licenses, Permits and Registration

    Employer Identification Number (EIN): All employers who have employees, including business partnerships and corporations, must be assigned an Employer Identification Number (EIN) or Employer Tax ID from the United States Internal Revenue Service, sometimes referred to as a Form SS-4.

    U.S. Internal Revenue Service Phone: 1-800-829-4933

    Texas Tax Registration: Those businesses operating within the state of Texas are additionally required to register for more specific identification numbers, licenses or permits for different tax purposes. Examples of these include income tax withholding, sellers’ permits for sales and use tax, and unemployment insurance tax. Contact the Texas Online Tax Registration Application for more specific information regarding business owner tax obligations and registration procedures. The Texas Comptroller’s office offers access to even more General Tax Information and Forms .

    2) Business Licenses

    General Business Licenses: The official government page for the State of Texas provides specific information regarding permit, license and registration requirements through an extensive collection of links links and contact information.

    The local government in your area, such as that of your city or county, may require specific permits and licenses. Each municipality may have its own unique regulations. Here are some of the most common licenses and permits you may need.

    • Alarm Permit
    • Building Permit
    • Business License and/or Tax Permit
    • Health Permit
    • Occupational Permit
    • Signage Permit
    • Zoning Permit

    4) Incorporation Filing

    Businesses which operate as corporations, limited liability companies (LLC), a partnership (either limited or limited liability) or who are a non-profit organization need to register with the state. Forms and applications can be found here:

    5) Doing Business As (DBA)

    Filing for a fictitious name allows the creation of a business name which is then separate from your legal name. This is called Doing Business As, or DBA. In Texas, if the business will operate as a sole proprietorship or a general partnership, an Assumed Name Certificate or DBA for each name the business will use must be on file with the county clerk in each county where a business premise will be maintained. All businesses operating in Texas as limited partnerships, registered limited liability partnerships, limited liability companies, corporations, professional corporations, nonprofit corporations, and professional associations must register with the Secretary of State .

    6) Employer Requirements

    Withholding Income Taxes The IRS requires that records of employment taxes be kept for at least four years. An overview of employer responsibilities regarding the withholding of federal taxes is provided in the IRS Employer s Tax Guide publication.

    Federal Income Tax Withholding (Form W-4). All employees must fill out an exemption certificate for their employer (Form W-4) either on or before their start date of employment. The employer is then responsible for submitting the W-4 to the IRS for verification.

    Federal Wage and Tax Statement (Form W-2): Employers must report annually to the IRS the wage and tax information which has been withheld for all employees. This report is filed using Form W-2, Wage and Tax Statement. A W-2 must be completed for each employee by January 31 each year. Copy A of the W-2 Form must be sent to the Social Security Administration (SSA) to report employee wages for the preceding year. Additional Employer W-2 Filing Instructions and Information are provided by the Social Security Administration.

    State Taxes: The requirement of state tax withholding varies depending on where employees are located. Visit your state tax agency for further information. Texas requires a Sales Tax Permit which new applicants can complete online.

    Employee Eligibility Verification (I-9 Form) Federal law requires that employers verify work eligibility in all employees hired after November 6, 1986. Proof of eligibility to work in the United States must be completed within three days of hire by completing the Employment Eligibility Verification Form, commonly referred to as an I-9 form.

    Form I-9 must be completed for both citizens and non-citizens. The Small Business Guide to Immigration Regulations provides a summary of immigration laws and information to assist in completing the I-9 form for non-citizens.

    New Hire Reporting: Employers are required to declare all newly and re-hired employees within 20 days of hiring. This information should be submitted via the State of Texas New Hire Reporting Program .

    Insurance Requirements: The State of Texas requires businesses to carry certain kinds of insurance. The Texas Workforce Commission administers Texas s Unemployment Insurance. An overview of insurance requirements can be found on the Texas Department of Insurance – Business page .

    Disability Insurance: Temporary disability insurance benefits provide payment to workers, if needed, due to a non-work related illness or injury. In Texas, employers are not required to carry this insurance.

    Unemployment Insurance Tax Businesses are required to pay unemployment benefits to eligible employees. More information regarding unemployment benefits can be located on the Unemployment page of the State of Texas Workforce Commission .

    Workers Compensation Insurance A Worker’s Compensation claim can be filed by employees who are injured on job. In most instances, businesses are not required to carry this insurance in Texas.Texas employers without workers’ compensation insurance coverage are required to report their non-coverage status along with any work-related injuries and illnesses stats to the Texas Department of Insurance, Division of Workers’ Compensation. Employers are also required to notify employees if they do not offer this insurance. The Texas Department of Insurance Workers Compensation Division offers further information regarding Workers’ Compensation coverage for employers.

    You just learned about: Texas Business License, Permit and Registration Resource

    For more information, check out this related resource: Texas Business Resource

    The Use of Email in Business Communication #business #email #system

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    The Use of Email in Business Communication

    How businesses utilize email.

    email simbol image by vladislav susoy from Fotolia.com

    Related Articles

    Email is widely used as a form of business communication and overall it is a highly effective communication tool. Email is inexpensive, only requiring an Internet connection that is generally already present in the business. Although a printout of emails is possible, emails often stay as soft copies because archiving and retrieving email communications is easy to do. From the CEO to the janitorial staff and even temporary employees of the business can send and receive email communications.

    Function

    Although it cannot and should not replace all face-to-face communication and others forms of communication, internal email usage can cover many areas within the business. Internal emails can function as an effective communication for sharing basic information, such as new cafeteria prices, paper use guidelines or security precautions, for example. Sending simple messages to an entire workforce with just the click of a mouse is fast, easy, convenient and can save the company money. If saved, the email can function as proof of a message sent or received, and is easily accessible to remind the recipient of pertinent information. Many businesses use email as part of its marketing efforts to share information with prospects, customers, vendors.

    Format

    Business emails should be concise and to the point. Use plain text and common fonts with a simple signature line. Fancy graphics, fonts, and backgrounds can take up unnecessary storage space in the recipient s inbox and may load slowly, or not at all. Stick to one topic in a business email and write only the things that are appropriate for anyone to read, as email forwarding makes it possible for originally unintended parties to receive the email. Proper grammar and spelling is very important in business emails because it reflects on you and your abilities. Attachments should be prepared in a format that any recipient can easily access/download.

    Etiquette

    Whether sending an internal or external email, the subject line should accurately represent the content of the email. Use proper punctuation and capitalization, and use bold, italics and white space to make important information stand out from the rest of the content. Use a salutation to begin the email and only send to individuals that readily need or request to receive information from your business. Business emails should be brief, positive and professional.

    Considerations

    Using email in business communication is certainly less personal than face-to-face communication. It can hinder social interaction and lead to less relationship building in the workplace. Misunderstandings are commonplace in written communication simply because the recipient cannot read the writer s tone and expression, and therefore is left to interpretation. Consider that even though email can be quite informal, it is also a permanent record and should be treated carefully.

    Effects

    Email has been revolutionary in the world of business communication because information is quickly passed along with instantaneous efficiency and effectiveness. Employees are able to access information from a computer, phone or PDA nearly anywhere, and so are the company s current and potential customers. The use of email within a business can greatly increase productivity for employees and can be a quick way to increase sales as well. More companies are using email communications as part of the marketing mix to communicate and interact with its target markets.

    About the Author

    Kristie Lorette started writing professionally in 1996. She earned her Bachelor of Science degree in marketing and multinational business from Florida State University and a Master of Business Administration from Nova Southeastern University. Her work has appeared online at Bill Savings, Money Smart Life and Mortgage Loan.

    Photo Credits

    • email simbol image by vladislav susoy from Fotolia.com

    Supply Chain Management – Free Management Training Business Course Online #business #course,

    #

    In the example given, materials flow downstream through a manufacturing level (tier) transforming the raw materials, which are the components or parts. These are assembled on the next level to form products. The products are shipped to distribution centers, and from there on to retailers and customers.

    Logistics Management is the part of SCM that efficiently plans, implements, and controls the delivery and storage of goods and services.

    Supply chain management flows can be divided into three main flows:

    1. Product flow – which is the movement of goods from a supplier to a customer, as well as any customer returns or service needs.
    2. Information flow – which involves transmitting orders and updating the status of delivery.
    3. Finances flow – which consists of credit terms, payment schedules, and consignment and title ownership arrangements.

    There are three levels of decisions associated with SCM:

    1. Strategic – Long-term decisions related to location, production, inventory, and transportation.
    2. Tactical – Medium-term decisions such as weekly demand forecasts, distribution and transportation planning, production planning, and materials requirement planning.
    3. Operational – Day-to-Day decisions as part of normal managerial duties.

    The following five steps are typical purchase procedures:

    1. Specify the amount needed.
    1. Determine the supplier based on pricing comparisons.
    1. Negotiate the price as well as payment terms, warranty, and timed cost reductions. Dealing with supplies or commodities depends on their availability, price and quality.
    1. Delivery and inspection of the supplies.

    Focusing on certain areas within the supply chain can reduce costs. There might be times when buying in bulk is cost effective. JIT, FIFO and LIFO will be discussed in the following Inventory Management section of this lesson.

    Manufacturing Resource Planning (MRP) as part of SCM can help plan and determine the supply needs and timelines for new manufacturing processes in order to predict product delivery schedules, and respond to changes in the market or product. It is a software based production planning and inventory control system used to manage manufacturing processes. The three major objectives of MRP are:

    1. Ensure materials and products are available for production and delivery to customers.
    2. Maintain the lowest possible level of inventory.
    3. Plan manufacturing activities, delivery schedules, and purchasing activities.

    Sophisticated software systems with Web interfaces are competing with Web-based Application Service Providers (ASP) who provide SCM service for companies who rent their service. A number of major Web sites offer e-procurement marketplaces, which is the business-to-business purchase and sale of supplies and services over the Internet. Manufacturers can trade and even make auction bids with suppliers.

    The five basic Supply Chain Management steps are:

    1. Plan Strategic planning by developing a set of metrics to monitor the supply chain so that it is efficient, costs less, and delivers high quality and value to customers.
    1. Source Choose the suppliers that will deliver the goods and services you need to create your product including pricing, delivery and payment. Also managing the inventory of goods and services you receive from suppliers, including receiving shipments, verifying them, transferring them to your manufacturing facilities, and authorizing supplier payments. This is all done while at the same time continuously monitoring the metrics for possible improvement.
    1. Make Manufacture your product. Schedule the activities necessary for production, testing, packaging and preparation for delivery. Always measure quality levels, production output, and worker productivity.
    1. Deliver Also known as logistics. Coordinate the receipt of orders from customers, develop a network of warehouses, pick carriers to get products to customers, and set up an invoicing system to receive payments. Shipping options can include:

    FOB (Free On Board) Factory Pricing where the buyer bears the shipping cost.

    Freight Absorption Pricing in which paying some of the transportation costs are in line with competitors.

    Uniformed Delivery Pricing in which a standard price is set no matter the location.

    Zone Pricing in which you charge different prices for different geographical locations.

    1. Return Also known as RMA or Return Merchandise Authorization. A system for receiving defective and excess products back from customers, and supporting customers who have problems with delivered products.

    Example – Supply Chain Management flow chart

    The text of these materials, or any part thereof, may not be reproduced or transmitted in any form or by any means, electronic or mechanical, including photocopying, recording, storing in an informational retrieval system or otherwise, except for students own personal use. The author does specifically disclaim any responsibility for any liability, loss, or risk, personal or otherwise, which is incurred as a consequence, directly or indirectly, of the use and application of any of the contents of this course.

    SOS: Business Services Division #business, #services, #division, #indiana

    #

    Header

    Main Navigation

    Secretary of State

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    Main Content

    Business Resources

    • Effective January 1, 2018, Limited partnerships and limited liability partnerships will soon be required to file biennial reports with the Secretary of State’s office. For Information On This New filing Requirement, Please Refer To The “New Filing Requirements For Limited Partnerships and Limited Liability Partnerships” Document Which Can Be Found By Clicking On The “Alerts” Tab On The Left Hand Side Of The Screen
    • Effective January 1, 2017, Master LLCs May Form In The State of Indiana And Designate Series. For Information On Filing Fees, Please Refer To The Master LLC and Series Filing Fees Document Which Can Be Found By Clicking On The “Alerts” Tab On The Left Hand Side Of The Screen.
    • The statutory fees for certain in-house filings and the enhanced access fees for certain electronic filings will increase on July 1, 2016. For more information on the fee for a specific filing type, please refer to the “Filing Fees Beginning July 1, 2016” Document which can be found by clicking on the “alerts” tab on the left hand side of the screen.
    • The enhanced access fees for certain electronic filings will soon increase. For more information, please refer to the “New Online Enhanced Access Fees for Electronic Filings” Document which can be found by clicking in the “Alerts” tab on the left hand side of the screen.
    • ​WARNING: “2015-Annual Records Solicitation Form “
    • Effective July 1, 2016, the statutory fees for in-house filings will increase. For more information, please refer to the New Statutory Fees document which can be found by clicking on the “Alerts” tab on the left hand side of the screen.
    • Effective July 1, 2016 the filing schedule for Business Entity Reports for non-profit corporations will switch from an annual cycle to a biennial cycle. For more information, please refer to the New Business Entity Report Filings Schedule for Non-Profit Corporations document which can be found by clicking on the “Alerts” tab on the left hand side of the screen.

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    Cloud Services & Consulting #paas, #iaas, #cloud #backup, #cloud #services, #cloud #security,

    Cloud Professional Services

    Realize the full potential of the cloud – with cloud services and consulting from SAP

    Simplify and accelerate your journey to the cloud with expert guidance from SAP. Our cloud services support the entire adoption lifecycle – from cloud design and strategy to deployment and operations. Leverage flexible, value-driven consulting engagements to develop a solution road map, execute your migration, securely manage your hybrid or cloud infrastructure, and move to cloud-managed services like PaaS and IaaS.

    • Services supporting the entire lifecycle
    • Flexible, fast and secure engagement
    • Value-driven engagements driving ROI and time-to-value
    • Consistent, compliant and accessible global delivery

    Explore our cloud services

    Cloud advisory and strategy services

    The cloud advisory and strategy service evaluates your business priorities and establishes a solution road map that outlines how to use the right technologies – in the right way – to get you to the cloud with the best return on investment.

    • Identify key business areas that will benefit most from a cloud-based solution
    • Assess your cloud readiness and get guidance on cloud computing architecture and principles
    • Develop a concrete plan that maps out priorities, transitional steps, and milestones

    Cloud design and assessment services

    Our cloud design and assessment services will help you develop a strategy to accelerate your company’s transition to a virtualized environment – and set a course for moving into the cloud.

    Cloud computing catalyst service

    Get the holistic support you need to make your cloud vision a reality. We’ll help you streamline your IT architecture, reduce the total cost of operations, and shift your focus from operations to innovation and value creation.

    Cloud implementation and migration services

    Our cloud migration experts provide end-to-end consulting services and support for moving your on-premise SAP applications and software landscape to a virtualized, cloud infrastructure – with minimal impact on system performance.

    SAP Cloud Platform

    Drive innovation with SAP Cloud Platform, the industry’s only in-memory cloud platform-as-a-service (PaaS). The platform integrates seamlessly with your existing systems, allows you to customize applications and create new ones, and choose which processes to run in the cloud and which to keep in house. Our service offering gives you the support you need to get started.

    Cloud integration services

    Ensure that your on-premise legacy applications and processes remain fully integrated with those you move to the cloud. Our cloud integration experts will make sure your global IT landscape continues to run in an efficient, secure, and scalable way.

    Application management services for cloud

    Reduce the demands on your IT staff and lower operation costs with our cloud application management services. We’ll take care of day-to-day operations so you can focus on innovation and growth.

    Application management services for cloud

    Reduce the demands on your IT staff and lower operation costs with our cloud application management services. We’ll take care of day-to-day operations so you can focus on innovation and growth.

    Best ISP Providers #best #internet #service #for #business

    ISP Providers Your Internet Service Providers Expert

    Internet Service Providers Savings Up to 40%

    Best ISP Providers | Highspeed Internet | Business Internet Service

    ISP Providers – Knowledge Is Power

    Welcome our web site that will explain exactly what you need to know to choose the best ISP providers. After reviewing the material here, you can obtain a free quotation for your need by completing the quote tool above.

    It’s no secret, that you get what you pay for. But chance favors the prepared mind. So get ready to be armed with the knowledge to make the best decision for the best price. First of all, you need to know there are two basic types of ISP providers that can provision your highspeed Internet.

    Business ISP Providers

    So there is “real Internet service” provided by quality ISP providers and then there are all the others. A good place to learn about so-called business-class cheap Internet service is at this link VoIP Broadband Speed Test. Are You Getting What You Are Paying For? I would recommend reviewing this link if you have a very small business and a small budget or are a residential user.

    “Real business ISP providers” provision their services on dedicated facilities. What this means is that a connection from your business to the Point of Presence to the Internet is available for you and you alone. The importance of this is that if you buy a T1 or a 10 Mbps ethernet connection, then that is exactly what you will have available for your use at all times. By researching the link above you will learn that not all “business-class” services are necessarily dedicated connections such as this.

    Business ISP providers that provide these special dedicated connections cost more than your typical cable modem or ADSL connection to the Internet. The reason for this is not only the fact that you have an “always on” connection available just for you, but also are going to receive Service Level Agreements (SLAs) to guarantee the service will be available generally 99.99% of the time. SLAs also provide guarantees surrounding latency, jitter, and packet loss, among other important issues.

    Additionally, the best business ISP providers will many times be providing business Internet service on a fully managed basis. What this means is, the edge routing equipment will be managed by the service provider, thus reducing finger-pointing and hassles in the event of a network outage or service impairment. Increasingly, firewall management and employee content filtering are important managed options as well.

    Additional Important ISP Providers Services

    Add to this, that the best Internet service providers, that provide highspeed Internet service of this type, will also have many options for telecom security such as managed firewall, intrusion protection, spam and malware protection, wireless network security and content filtering. This is important, because it assures your business a bulletproof, mission-critical connection to the Internet. In a general sense if your business relies on assuring a quality always on connection for services such as e-mail and applications that are running over the Internet, like database client management systems among others, then this is the type connection you’re going to want to look into by these types of ISP providers.

    Please feel free to complete the quote request form above to see pricing for your area. You can also call the toll free number above to discuss your particular ISP providers needs.

    Thanks for visiting!

    ISP Providers Services Coverage

    ISP Providers – 877-566-5600 – Live Support Hotline

    Atlanta Business Organizations Lawyers – Local Attorneys & Law Firms in Atlanta,

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    Atlanta Business Organizations Lawyers, Attorneys and Law Firms – Georgia

    Need help with a Business Organizations matter?

    You’ve come to the right place. If you’re starting a business, restructuring an existing business, or considering dissolution, a business organizations lawyer can help.

    Use FindLaw to hire a local business organizations lawyer to help you understand the benefits of different business structures and decide which meets your goals — whether it is a limited liability company (LLC), a close corporation, a partnership, a non-profit organization, or other business entity.

    Need an attorney in Atlanta, Georgia?

    FindLaw’s Lawyer Directory is the largest online directory of attorneys. Browse more than one million listings, covering everything from criminal defense to personal injury to estate planning.

    Detailed law firm profiles have information like the firm’s area of law, office location, office hours, and payment options. Attorney profiles include the biography, education and training, and client recommendations of an attorney to help you decide who to hire.

    Use the contact form on the profiles to connect with an Atlanta, Georgia attorney for legal advice.

    How do I choose a lawyer?

    Consider the following:
    Comfort Level – Are you comfortable telling the lawyer personal information? Does the lawyer seem interested in solving your problem?
    Credentials – How long has the lawyer been in practice? Has the lawyer worked on other cases similar to yours?
    Cost – How are the lawyer’s fees structured – hourly or flat fee? Can the lawyer estimate the cost of your case?
    City – Is the lawyer’s office conveniently located?

    Not sure what questions to ask a lawyer?

    Here are a few to get you started:

    • How long have you been in practice?
    • How many cases like mine have you handled?
    • How often do you settle cases out of court?
    • What are your fees and costs?
    • What are the next steps?

    Want to check lawyer discipline?

    5 types of insurance you shouldn t waste your money on #feature,

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    From protecting your fantasy football team to guarding against cold feet at a wedding. insurance policies can be found for just about every risk and occasion. Here are five tempting types that you should think twice about:

    1. Rental car insurance

    Just about anyone who has rented a car has experienced the awkward moment when the agent asks whether you want to add rental car insurance. Often the question comes with a list of anxiety-inducing options to navigate. collision damage waivers, supplemental liability protection, personal accident insurance, personal effects coverage. It’s easy to say yes, just to be safe.

    But all that insurance can tack $20 to $40 per day onto your costs. And you may well have the coverage you need from other policies like your health or personal auto insurance, or even the credit card used to pay for the rental. In particular, check your personal auto and credit card policies ahead of time to understand what they cover — and be mindful of restrictions. For example, a credit card may offer reimbursement up to the value of the car. but no coverage at all for personal liability if you or someone else gets hurt. Rules can also differ depending on whether you’re using the car for business or personal reasons.

    2. Credit card insurance

    This comes in many forms, but there are four basic types. Credit life insurance pays your balance in the event of your passing. Credit property insurance pays the debt on items purchased with the card if they’ve been damaged under very specific circumstances or, in some cases, stolen. Credit disability insurance covers your minimum monthly payments for a specific period of time if you are coping with a medical disability; ditto for credit involuntary unemployment insurance if you are laid off or downsized. In the latter two cases, the insurance applies only to purchases made before your life change.

    Insurance like this is a boon to the credit industry, bringing in, by some estimates, more than $2 billion in revenue each year. But again, you may already have comparable coverage under other policies. (For example, many people get a standard $50,000 life insurance or short-term disability policy through their employers.) Even if you don’t, there are likely less expensive policies out there that will provide the protection you’re looking for. Plus, as a matter of philosophy, you’d be better served by being a responsible credit card holder — paying your bill off each month and refraining from running up balances — than by incurring the additional cost of the insurance.

    3. Extended warranties

    Considering additional coverage for your television, smartphone, or other big-ticket electronics? The answer is pretty cut and dry: “Our reader surveys have shown time and again that extended warranties are not a good deal for most consumers,” Glenn Derene, electronics editor for Consumer Reports. told DigitalTrends.com . “Many products are reliable and don’t break during the period covered, and the plans cost as much as you’d pay for a repair that might never be required.”

    It’s also important to know yourself: If you like to upgrade to the latest and greatest models when they become available, an extended warranty really doesn’t make sense.

    One exception, Derene notes, is Apple’s extended warranty/service plan for computers. He says the company consistently stands out in surveys as offering the best computer tech support in the business, and if you’re worried about accidental damage, it could pay to sign up.

    4. Identity theft insurance

    Identify theft is a big problem — as of 2014, the number one consumer complaint for 14 years running. But identity theft insurance policies don’t protect you from the theft itself, and they don’t cover your monetary losses. Instead, the insurance acts like a watchdog on your accounts; it often includes credit alerts, and account and credit monitoring. It also reimburses you for costs associated with resolving the issue, like phone bills, notary and certified mailing costs, and attorney’s fees.

    All of that might sound useful, but you can be your own watchdog by signing up for free online banking and mobile apps that monitor your accounts. Or pay yourself for credit monitoring, which is still likely to cost less than a comprehensive ID theft policy. You also can make a habit of reviewing your credit report for unauthorized accounts (you’re entitled to one free report annually from each of the three major credit-reporting bureaus). As for the costs associated with recouping your losses, they could easily be smaller than the insurance policy’s deductible.

    The decision to buy pet insurance, which usually covers cats and dogs, is economic and emotional — which makes it especially challenging. Pet owners will probably incur at least one $2,000 to $4,000 bill for emergency care at some point during their pet’s lifetime. And it’s easy for the bills to climb even higher when surgery is required or a chronic condition like cancer needs treatment. Having insurance can help offset some or most of these costs, and also help avoid a situation where you have to put a pet down because you can’t afford treatment.

    But pet insurance is far from a panacea. Preexisting and chronic conditions may not be covered. The same goes for annual checkups, vaccinations, spaying or neutering, and dental care. The upshot is you’re likely to incur many health care costs that can’t be avoided. And, if your pet is generally healthy, you’ll probably come out ahead over the years by paying out of pocket.

    One alternative is to establish a savings fund dedicated to your pet’s unanticipated health care costs. But if you are leaning toward buying insurance, be sure to shop around. Pet insurance policies come with a variety of deductibles, co-payments, and premiums. The price varies — and can change over time — depending on your pet’s age, the cost of veterinary care, and the coverage options that you choose (for example, accident only, or accident and illness). Breed also is a factor; insuring purebreds cost more due to their susceptibility to some hereditary conditions (the most expensive. great danes, English bulldogs, and Bernese mountain dogs). Typically you have to pay out of pocket and wait for reimbursement. Some policies pay a percentage of what the vet charges for a procedure, whereas others only pony up a set fee.

    MORE FROM PROSPER

    E-Commerce Advantages #e-commerce #overview, #e-commerce #applications, #e-commerce #constraints, #e-commerce #business #models, #e-commerce

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    E-Commerce – Advantages

    E-Commerce advantages can be broadly classified in three major categories:

    Advantages to Organizations

    Using E-Commerce, organization can expand their market to national and international markets with minimum capital investment. An organization can easily locate more customers, best suppliers and suitable business partners across the globe.

    E-Commerce helps organization to reduce the cost to create process, distribute, retrieve and manage the paper based information by digitizing the information.

    E-commerce improves the brand image of the company.

    E-commerce helps organization to provide better customer services.

    E-Commerce helps to simplify the business processes and make them faster and efficient.

    E-Commerce reduces paper work a lot.

    E-Commerce increased the productivity of the organization. It supports “pull” type supply management. In “pull” type supply management, a business process starts when a request comes from a customer and it uses just-in-time manufacturing way.

    Advantages to Customers

    24×7 support. Customer can do transactions for the product or enquiry about any product/services provided by a company any time, any where from any location. Here 24×7 refers to 24 hours of each seven days of a week.

    E-Commerce application provides user more options and quicker delivery of products.

    E-Commerce application provides user more options to compare and select the cheaper and better option.

    A customer can put review comments about a product and can see what others are buying or see the review comments of other customers before making a final buy.

    E-Commerce provides option of virtual auctions.

    Readily available information. A customer can see the relevant detailed information within seconds rather than waiting for days or weeks.

    E-Commerce increases competition among the organizations and as result organizations provides substantial discounts to customers.

    Advantages to Society

    Customers need not to travel to shop a product thus less traffic on road and low air pollution.

    E-Commerce helps reducing cost of products so less affluent people can also afford the products.

    E-Commerce has enabled access to services and products to rural areas as well which are otherwise not available to them.

    E-Commerce helps government to deliver public services like health care, education, social services at reduced cost and in improved way.

    BCS Advanced International Diploma in Business Analysis #international, #advanced #diploma, #business #analysis,

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    Consultant Certificate

    Designed for senior business analysts, this advanced diploma recognises business analysis experience and expertise plus contribution to the wider BA community.

    Applicants must demonstrate a combination of formal certification and experience in business analysis, ongoing personal development in the profession and must actively contribute to the development and promotion of business analysis.

    Who is this aimed at?

    Senior business analysts who hold the BCS International Diploma in Business Analysis.

    What are the entry requirements?

    All applicants must hold the BCS International Diploma in Business Analysis plus specialist Professional BCS certifications. They must also have a minimum of five years’ experience in business analysis and provide evidence of contribution to the BA community.

    To proceed to the Advanced Diploma in Business Analysis an applicant will need a combination of BCS certifications and experience.

    An applicant must hold the following certifications:

    • A BCS International Diploma in Business Analysis, and,
    • A BCS Professional Certification in each of the Analytical, Business and People Skills subjects and,
    • One additional BCS Professional Certification in either an Analytical or Business Skills subject.

    Analytical skills specialism

    Business skills specialism

    People skill specialisms

    In addition, applicants are required to complete a Business Analysis experience submission, setting out their business analysis experience. This must equate to a minimum of five years working within the business analysis domain and the attributes of the Skills Framework for the Information Age (SFIA) (Influence, Autonomy, Complexity, and Business Skills) at Level 5 and Level 6 are equally critical.

    BA Community requirement – applicants are required to demonstrate how they have contributed to the wider BA community. This may be through initiatives that are internal to their organisation or may be through involvement in external BA groups.

    What format?

    A portfolio review will be completed where the complete portfolio must be submitted to BCS for review. BCS will conduct the review as follows:

    • Confirm that the certification evidence is correct
    • Confirm that the experience evidence conforms with the five-year minimum requirement and is supported by a senior colleague
    • Confirm that the experience evidence is relevant business analysis work and demonstrates the appropriate SFIAplus level
    • Confirm that the experience evidence regarding the personal skills is relevant to the selected subject (stakeholder engagement or team leadership)

    Confirm that contributions to the BA community have been made by the applicant.

    You are required to provide the details of at least one supporter who can confirm the information provided on your application.

    BCS may decide to award the Advanced International Diploma based upon the evidence portfolio alone. However, it may be necessary to contact an applicant to discuss the evidence in greater depth. Where this is the case, an authorised BCS assessor will organise a call with the applicant to hold such a discussion. The assessor will then recommend whether the Advanced International Diploma should be awarded.

    Continuing professional development

    Applicants will need to recertify every three years. To do this, applicants will need to provide evidence of continuing BA experience, personal development and contribution to the BA community.

    Are there any exemptions?

    There are no exemptions.

    Completing the application submission

    If you have the appropriate certification and relevant skills and experience you can apply for the BA Expert Award .

    This qualification is not regulated by the following United Kingdom Regulators – Ofqual, Qualification in Wales, CCEA or SQA.

    8 Tips for Organizing Your Paperwork #organizing #business #files

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    8 Tips for Organizing Your Paperwork

    Coming up with a system of organization all the paper in your life takes thought and planning. And making use of it requires time and effort. In the short run, letting papers pile up is a lot easier. But in the long run, doing so can turn into a major headache.

    Taking the time and effort to develop a systematic way of organizing your papers can result in a lot less stress and hassle in your life. Try the following as you create your filing system:

    Start simple: Come up with a filing system that s relatively easy to use. You don t want your filing system to be more stressful than the stress it s supposed to alleviate.

    Be colorful: Files of different colors, or tabs and labels of different colors can not only turn your filing system into a work of art but also make it easier to find different subjects and interests.

    Don t scrimp when you buy a filing cabinet: Invest in a cabinet of good quality. Poorly made filing cabinets tend to break down in the crunch. When your files get larger and heavier, their weight can strain a cheap filing cabinet and make it difficult for the drawers to open smoothly or to open at all, for that matter. And try to find a cabinet that won t make your room look like an claim-adjusters office. Many of the traditional office cabinets are big and, frankly, pretty unattractive.

    Keep important papers where you know they re safe: Keep your documents in a safe place, but make sure that you can easily get hold of them when you need them. Keep track of the following

    Bank account numbers

    Credit card numbers

    Tax returns (last 5 years)

    Some of these categories warrant their own separate file. Some, like your important numbers, can be combined. For the more important documents, you may want to keep the originals in a safe or in a safe-deposit box, and keep available copies in your files.

    Avoid Lower Moravia: The most common error people make when creating a filing system is to come up with categories that are too specific. For example, a file titled Travel articles about Lower Moravia won t fit well in your system unless you re definitely planning on going there or you re writing your master s thesis on this topic. If you continue in this vein, you ll be overrun with file folders in no time, and you ll have a heck of a time ever finding anything if you ever want to. Start with fewer, broader categories.

    Never put all your papers in one basket: An approach described by organizational expert Stephanie Culp suggests that you have four baskets for your paper (in addition to the extremely important wastepaper basket):

    A To Do basket: The wire see-through kind works best.

    A To Pay basket: Again, wire works best here.

    A To File basket: Use a larger wicker basket.

    A To Read basket: Try an even larger wicker basket with handles.

    Culp recommends that you stack your To Do basket on top of your To Pay basket on your desk. Keep the To File basket under your desk, out of the way of your more immediate paper needs. You can keep the To Read basket in a different part of your home such as your bedroom or study so that you can catch up on your reading whenever the opportunity arises.

    Make filing a habit: Find a time during the week to empty your To File basket and file those needed papers away. This task really shouldn t take long 15 or 20 minutes should do it.

    Fine-tune later: At a later date, take a look at what s in your files. Usually, you find that a file is either underused or bulging. If you find that you have only one or two things in a file folder, find or create a file that s broader in scope. Alternatively, if you find that a folder is overflowing with contributions, create subcategories, either by topic or by dates.

    Enterprise Dashboards Digest #dashboards, #dashboard, #excel #dashboard, #business #intelligence

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    Featured

    What are enterprise dashboards? Well, dashboards are simple-to-understand, visually-oriented depictions of the current state of the metrics and key performance indicators of most importance to your business. Of course, they borrow from the cockpit or dashboard metaphors that are so easy to get .

    Here s a screenshot of a typical dashboard:

    Nice layout, right? Do you want a copy of the HTML for it? It will save your developers weeks of tweaking code. To get a free copy of the html template, just sign up for my newsletter. Use the form to the side of this post. There s no cost and I ll send you 2 other cool layouts as well.

    Business dashboards have become the universal front-end of business intelligence. From the production line worker on the manufacturing plant floor, to the sales force in the field, and all the way up to the CEO and CFO in the boardroom, everyone gets their metrics served through a dashboard these days. All enterprise reporting software use the dashboard layout as the home page view of the data. The business intelligence dashboard is easy to embrace, popular to develop and here to stay.

    A word about business dashboard software and technology:

    Don t get hung up on the technology. Things don t have to be complicated. Using Microsoft Excel is an excellent way to start business dashboarding. You can certainly use it to prototype and you may find it good enough to stick with for a very long time.

    Here are 2 great resources on using Excel Dashboards:

    Are you new to the world of digital dashboards? Want to learn more about them?

    Here s how to start:

    Key White Papers About BI and Dashboards

    More Business Intelligence White Papers (excellent way to research the business dashboard landscape)

    Key Books on Enterprise Dashboards

    I ve been following the business dashboard space since the beginning. In addition to designing and building some of the first really major dashboard applications, I ve had the pleasure of being the consolidator of dashboard project artifacts for many teams across many industries. Those with me at the beginning remember me having to swear secrecy in exchange for getting a secret screenshot of a hush-hush dashboard project (hence the moniker Dashboard Spy !). I ve watched the development of the growing niche of dashboard books. Here are some of my very favorite:

    First off, every once in a while, you should search Amazon for new books on the subject. Here s a link that will bring up the latest books on enterprise dashboards:

    Amazon Page of Dashboard Books (My favorite place to purchase books or anything else)

    And here are some recommended books (be sure to browse inside the books with the Look Inside function):

    Here are the latest books (both coincidentally on the SAS platform):

    Key Blogs to Follow

    Here are a couple of launch points to learn more about business dashboards:

    Emergency Small Business Loans – GUD Capital #emergency #small #business #loans

    #

    Emergency Small Business Loans

    For almost all businesses, the ideal form of financing comes from term loans and lines of credit offered by traditional banks (large banks, small banks, community banks, and credit unions). Traditional bank business loans are clearly the best business loans due to their exceptionally low rates and favorable terms. What is not favorable about traditional bank lending is the paperwork and due diligence needed before funding. In fact, a bank loan can take not weeks, but months. If commercial real estate is involved in the financing transaction (especially with a build-out or construction) the funding process can be even longer. Therefore the only real option offered by a traditional bank would be an existing line-of-credit that a small business or company can draw-on when they need without having to go through the approval process:

    • Bank rates: 6-12%
    • Bank Terms: 1-30 years

    Emergency SBA Loans

    SBA loans are an excellent source of financing to companies that qualify for this type of financing. SBA financing is a form of business funding offered by traditional bank lenders, credit unions, non-profit community lenders and small banks to small companies in which the U.S. Small Business Administration guarantees a portion of the loan. Should the small business borrower default, the SBA will cover most of the lenders losses. Since the government is guaranteeing a large portion of the loan, they want to ensure that candidates that shouldn t qualify are not funded with the SBA guarantee without having gone through extensive due diligence by both the SBA and the lender. Because of this, funding time for SBAs can be rather slow. To help speed up the funding of smaller SBA loans, the government now offers the SBA Express Program which can fund within days not weeks. In addition, the Small Business Administration also offers SBA emergency disaster loans of up to $2 million for small businesses that meet their emergency financing requirements.

    Emergency Alternative Loans

    For companies with good credit, but have a business emergency that won t allow for the company to wait around for months for traditional financing, an alternative business loan may be a good option. Mid Prime alternative business lending are actual business loans that can fund within a week while only requiring minimal paperwork and documentation. With a simply credit application and submission of banks statements and tax returns, a company can be pre-approved for up to $500,000 within a couple of hours, and with a few more business documents can be funded directly into the company s bank account within days.

    Emergency Asset Based Loans

    If you re a company that is experiencing cash-flow issues and also lack sufficient credit for more traditional forms of business financing, an option may be to use your company or personal assets as collateral. Asset based business loans allow companies to use their commercial real estate, personal real estate, account receivables, inventory, machinery and or equipment as collateral for basis of funding.

    Emergency Bridge Loans

    Another option for companies in need of emergency business financing is emergency bridge funding. Bridge funding is a form of financing that helps a company meet its obligations while waiting for either permanent financing, or payment from a customer or vendor. Typically, bridge financing is secured by some sort of collateral, but under certain circumstances a company can receive unsecured bridge business financing if they have sufficient credit and cash-flow.

    Emergency Invoice Financing

    If a company isn t looking to actually commit to a term loan or line-of-credit, another way to secure business capital is to sell their unpaid 30-90 unpaid invoices for upfront funding. Invoice financing business-to-business transaction of a company s unpaid invoice in which a factoring company will buy the unpaid invoice, provide the company with a large percentage of the invoice (minus a fee) and then will forward the remainder of the invoice s value once the 3rd party have fully-paid the invoice.

    Equipment Leasing

    Every once in a while a vital piece of business equipment may need replacing without notice. When that happens, if a company doesn t have the capital to purchase the new equipment outright, may instead chose to try leasing new machinery or equipment. Equipment leasing provides companies with crucial equipment without having to commit to buying the machinery long-term.

    Emergency Business Cash Advance

    An emergency business cash advance isn t a loan, but the sale of a small business s future credit card deposits or bank account deposits in exchange for immediate funding. While the rates of a merchant advance (ACH loan) are easily the highest of all types of funding, those rates may be worth it should a company need immediate cash.

    • Factor rates: 1.16-1.55
    • Terms: 4-24 months

    Business Registration #small #business #loans #hawaii

    #

    Business Registration (BREG)

    Who We Are
    The Business Registration Division is a division of the Department of Commerce and Consumer Affairs, a Government agency of the State of Hawaii. The Business Registration Branch maintains the business registry for all corporations, limited liability companies, general partnerships, limited partnerships, limited liability partnerships and limited liability limited partnerships conducting business activities in the State. In addition, the registry contains trade names, trademarks, service marks and publicity name rights. Overview/Services

    We also run several Business Action Centers that offer in-person assistance with starting a business in Hawaii.

    Business Action Center (BAC)
    Main Location:
    1130 North Nimitz Highway
    Second Level, Suite A-220
    Honolulu, Hawaii 96817
    Phone: (808) 586-2545
    Fax: (808) 586-2544

    BAC offices are also located in Maui and Hilo .

    The Business Registration Division also oversees state regulation of securities .

    What s New

    For those considering Hawaii as their legal business domicile, we offer the following benefits:

    Single Agency Jurisdiction

    In Hawaii, all business registrations are filed with the State of Hawaii Department of Commerce and Consumer Affairs, Business Registration Division. No county filings are necessary.

    Simple Registration

    Hawaii has streamlined its business registration forms. They are simple to fill out and only require enough information to fulfill Hawaii s statutory filing requirements.

    Efficient Processing

    Hawaii s filing and review process matches up well with any of the leading business registration states like Delaware and Florida. Normal filings can be accomplished in only 3 to 5 working days. Expedited filings can be done in 1 to 3 working days.

    Straightforward Filing Fees

    Hawaii has a very straightforward filing fee schedule for business registrations. Except for financial institutions, Hawaii assesses no business franchise taxes or charter taxes.

    To see all the filings, searches and purchasing that you can do online, click here .

    For downloadable registration forms and fee information in PDF format, click here .

    Pitkins college #energy, #oil #and #gas, #boone #pickens, #t. #boone #pickens, #philanthropist,

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    Boone Pickens

    Join the Pickens Plan Army.

    The other day, my team uncovered some videos of the news interviews I had done back in the 1980s. Those were heady times. It was the start of the corporate takeover and shareholder rights era, and I was not just in the thick of it, I was driving it. And communicating clearly and effectively was critical to our success.

    Strong communication has always been my core asset. I’ve always believed you can trace every problem to a lack of communication or lack of clarity in communication.

    These days, I sometimes find myself literally at a loss for words. Over the Christmas holiday, I had several strokes. But with a little determination and some aggressive speech therapy, I regained 90 percent of my speech.

    However, last week, I had a Texas-sized fall — one that required hospitalization. I am still mentally strong, and I comprehend and process information like I did before the incident. It’s just a little hard to find the words I m looking for to speak clearly. Speech therapy will fix that, I’m confident.

    Just as I exercise my body daily I will exercise my brain and continue with rigorous speech therapy to regain what I can. I am always up for a good challenge.

    Nine years ago today, we launched the Pickens Plan. We knew we had a great idea, and people across the country agreed. We d held focus groups and found that Americans knew about the problem, but saw that the country lacked an energy plan. They were hungry for something that would work, a specific energy plan that included a little bit of everything solar, wind, and natural gas.

    For the final podcast on the history of the Pickens Plan, I talk with Peter McCollum and Jason Huntsberry. Although they referred to themselves as little cogs in a big machine, they were a major part of the tight-knit team that makes the Pickens Plan tick.

    Last month I turned 89 years old, mindful of the fact I’m now 24 years beyond traditional retirement age. My post-65 era has included the most productive years of my life. I was 68 when I left Mesa Petroleum. I turned out the lights at 6 p.m. my last day in the office, as I Continue reading The Old Man Makes a Comeback

    Washington, D.C. is as divided as it has ever been, and it has become difficult to set politics aside and get things done. But fortunately the Pickens Plan benefited from a bipartisan team that came together to promote a plan that has our nation’s best interests in mind.

    For the latest episode of the Pickens Podcast, I sat down with Rich Galen, a columnist and former press secretary for U.S. Senators Dan Quayle (R-IN) and Kay Bailey Hutchinson (R-TX), and Amy Weiss, former White House Deputy Press Secretary to President Bill Clinton and press secretary and campaign manager for U.S. Rep Mike Synar (D-OK). These two have reached across the aisle to help make the Pickens Plan work. It just goes to show how successful you can be when you can look past personal politics to focus on a mission.

    Without question, America is a nation committed to environmental leadership. All you have to do is look at how much cleaner our country has gotten over the last 10 years through the expanded use of natural gas. But the Paris Climate Accord is another bad deal negotiated by the Obama Administration, and America should applaud Continue reading T. Boone Pickens Statement on President Trump s Paris Climate Accord Decision

    WFAA s Pete Delkus visited my office this morning for a fun conversation to celebrate my 89th birthday. CNBC s Becky Quick made a surprise appearance via phone, my wife Toni stopped by, and I appreciate all the well wishes left by commenters during the Facebook Live event. I also gave viewers a tour of my office Continue reading My 89th birthday celebration via Facebook Live

    Insurance Katy #katy #insurance #agency, #insurance #agency #katy, #insurance #katy, #katy #insurance,

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    MBA – Postgraduate Students – Heriot-Watt University – Complete University Guide #heriot

    #

    Heriot-Watt University

    Edinburgh Business School

    MBA

    Accreditations: Heriot-Watt University is a Royal Charter institution.

    Why Study Here?

    • Edinburgh Business School is home to some of the most challenging, most rewarding business education programmes in the world.
    • Created to meet the unique demands of the international business world, our programmes are studied by ambitious executives from across the globe.
    • Edinburgh Business School’s management development programmes are renowned for their flexibility with students studying independently through online learning, on campus in the UK, Dubai or Malaysia, with one of the school’s 23 Learning Partners around the world, or through a combination of these routes.
    • Students studying independently can begin their studies at any time and finish them when they like and take examinations when they’re ready.
    • Students can attend one-off intensive seminars in core courses and selected elective courses at various times throughout the year at the UK, Dubai and Malaysia campuses.
    • Students can attend online tuition and revision seminars which are available through Edinburgh Business School’s global network of teaching partners.
    • Edinburgh Business School has a network of 12,000 active students and 19,000 alumni worldwide.
    • On campus Edinburgh – MBA full-time
    • On campus Edinburgh – MBA part-time
    • On campus Dubai – MBA part-time
    • On campus Malaysia – MBA part-time
    • MBA Distance Learning

    Programme Features

    • There are 9 courses students must successfully complete for the MBA: 7 core courses and 2 elective courses chosen from a list of more than 30. Some electives are available as taught courses; others can be taken through distance learning. Each course requires approximately 200 hours of study.
    • Core courses cover: Accounting, Economics, Finance, Marketing, Organisational Behaviour, Project Management and Strategic Planning.

    Course Duration

    • On campus full-time – 12 months
    • On campus part-time – 24 months
    • Distance Learning – no minimum or maximum duration

    Number of Places

    • On campus 30–60
    • Distance learning not capped

    Fees

    For 2016–17:

    • On campus, Edinburgh, MBA full-time/part-time £17,085
    • On campus, Dubai, MBA part-time AED88,000
    • On campus, Malaysia, MBA part-time MYR 52,000
    • On-campus fees are inclusive of examination fees. Fees subject to change without notice.
    • MBA Distance Learning, each course is £925 plus examination fee (there are nine courses to complete).

    MBA Fees

    The following are the typical annual course fees for MBA students submitted to us by the university (Reddin Survey of University Tuition Fees 2017 2018 ):

    Blockbeta Marketing – Seattle Marketing Consultant #small #business #marketing,digital #marketing,retail #marketing

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    Mpower Hours

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    Just Saying.

    Robbin was excellent and engaged. Gave great examples and answered questions.

    Slay the Social Media Dragon presentation attendee June 2017
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    Marketing Execution

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    Business conference call #business #conference #call

    #

    Conference calls

    Conference calls

    Transcript

    Operator: Good morning. Welcome to the Softcell Incorporated first quarter 2008 quarterly results conference call. At this time, all participants are in listen-only mode, but the floor will be open for your questions following the introductory remarks. I’d now like to turn the conference over to Ms Marie Tascon, Senior Director of Investor Relations. Please go ahead, madam.
    Marie Tascon: Good morning. Thanks for joining us. Speaking today is Softcell’s CFO Peter Goody, joined by COO Jim W. Brook for the Q A session with analysts. Please note that the information you’ll hear during our discussion today may consist of forward-looking statements regarding revenue and margins. Actual results could differ materially from our forecast. To view the supporting slides while listening, log on to softcell.com/investor. With that, I’ll turn the call over to Peter Goody.
    Peter Goody: Thank you, Marie. It’s good to be on this call to report our best quarter ever, with the highest revenue and earnings in Softcell’s history. Revenue grew 35% year over year to $9.6 billion, an increase of almost $2.5 billion over the previous December quarter’s record-breaking results. [Fade]
    Peter Goody: In closing, we believe these outstanding results reflect the excellence of our innovative products. We are very enthusiastic about our announcements for 2008, including new SoftTalk software and an updated SoftPro.
    Marie Tascon: With that, I’d like to open the call to questions. Please limit yourselves to one question only.

    Operator: Our first question will come from the line of Jane Bratworth with Morgan Stanley.
    Jane Bratworth: On the SoftTalk expectations for 2008, are you guys providing any type of update today?
    Jim W. Brook: We remain very sure about hitting the 10 million goal for 2008.
    Operator: The next question comes from Ahmed Jamal with Merrill Lynch.
    Ahmed Jamal – Merrill Lynch: Jim, in terms of the SoftTalk rollout internationally, there’s been a lot of talk about China – anything specific relative to the China market?
    Jim W. Brook: We open our first stores in China this year. We’ll also be rolling out additional European countries during 2008.
    Operator: Next question from Kurt Abramsky with Deutsche Bank.
    Kurt Abramsky – Deutsche Bank: Could you give us any, either quantitative or qualitative, commentary on how European SoftTalk uptake is faring versus your US experience?
    Jim W. Brook: Kurt, you know, we just launched in France in November and in the UK and Germany a bit earlier so we have very limited experience but we are very happy with all the launches so far.
    Operator: The next question comes from Jeanne Beauvoir with Credit Suisse.
    Jeanne Beauvoir – Credit Suisse: Peter, is it too early to offer a little more colour on the SoftTalk seasonality question? Your guidance obviously implies seasonality for the whole company.
    Peter Goody: We’ve not yet been through a March quarter with SoftTalk so we don’t have any history to go by as we do with other products. We can report in April.

    Marie Tascon: Time for just one final question.
    Operator. And that will come from Tim Lu with Goldman Sachs.
    Tim Lu – Goldman Sachs: I’d like to ask you, Peter, about your overall market guidance. It’s good to hear you are not seeing any weakness. I understand your products are unlikely to be in the most economically exposed segment, but is there likely to be some exposure if we see, for example, a recession in Europe as well as the US? In your 10% growth forecast have you assumed some kind of economic weakening within Europe specifically?
    Peter Goody: The 10% is based pretty much on a very concrete situation, how we see the trends. It’s something that we feel is quite solid.
    Marie Tascon: Thanks very much, Tim, and thanks to everyone. A replay of today’s call will be available as a
    webcast on softcell.com/investor and via telephone. The number for the telephone replay is 989-313-2111 and the passcode is 5237883. Replays will be available at 5.00 p.m. Pacific Time today.
    Operator: Ladies and gentlemen, this concludes today’s presentation. We thank everyone for your participation and have a wonderful day.

    Download

    Business & Commercial Insurance – Las Vegas NV #insurance, #business #insurance, #commercial

    #

    Homeowners and Auto Insurance in Las Vegas, NV

    Preventing Las Vegas Residents and Businesses from Gambling with Risk

    Individuals flock to Las Vegas for big risk, big reward adventures. However, when the bright lights fade, the greatest reward resides in protection against financial burdens associated with risk exposure. At Sage Insurance Services, Inc. we specialize in securing individuals and businesses in Las Vegas, and surrounding Nevada communities, with reliable insurance services.

    A Full House of Insurance Coverages

    We don t roll the dice on your protection. Instead, we play the same cards that have held true since our agency s establishment more than two decades ago.

    Our agents work one-on-one with the clients we serve, confirming coverage is personalized to their needs. We ll take the time necessary to not only develop fitting coverage, but also educate clients on the integral components of their policy.

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    Protection for the long-term profitability of Nevada companies is instituted within our business insurance program . Our current clientele consists of a variety of specific industries . including restaurants, bars, and churches. We administer insurance for Las Vegas businesses of all sizes and scopes, but for small to-medium sized operations we recommend a business owners policy (BOP) . A typical BOP encompasses essential coverages relevant to businesses of this stature, such as commercial property insurance . general liability coverage . and crime insurance .

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    Accounting and Management – Faculty – Research – Harvard Business School #role

    #

    Accounting and Management

    RECENT PUBLICATION: Working Paper

    Working Paper | HBS Working Paper Series | 2017

    Vishal P. Baloria and Jonas Heese

    The media can impose reputational costs on firms because of its important role as an information intermediary and its ability to negatively slant coverage. We exploit a quasi-natural experiment that holds constant the information event across firms, but varies the availability of a major news outlet in local markets. We find that firms subject to the threat of slanted coverage suppress the release of negative information before the event and release it subsequently. Our results are consistent with theory on the active role firms can play in managing their reputational capital through anticipatory actions to avoid negative media coverage.

    Baloria, Vishal P. and Jonas Heese. “The Effects of Media Slant on Firm Behavior.” Harvard Business School Working Paper, No. 18-015, August 2017. View Details

    RECENT PUBLICATION: Working Paper

    Working Paper | HBS Working Paper Series | 2017

    Over the past few years, there has been a significant increase in the number of initiatives seeking to mobilize investor voice towards positive social impact. In this paper, I provide a framework outlining the role of investors as stewards of the commons. While companies are increasingly addressing environmental and social issues that also improve their economic value, for some of these issues individual company action is costly. At the same time, for a further subset of those issues, company action coupled with collaboration between companies is value enhancing. However, collaboration between companies is notoriously difficult and fragile requiring commitment mechanisms. I suggest that a small set of large institutional investors, importantly, but not exclusively, index investors, could provide this commitment mechanism. Common ownership of competitors within industries and long-time horizons in ownership of shares are key characteristics for investors that could act as stewards of the commons. Social pressure fueled by small socially responsible investment funds and non-profit organizations and customer pressure from individual investors are critical in mitigating free-rider problems among asset managers and sustaining engagement practices. Finally, I explore the limits and anticompetitive concerns to the theory of change presented here.

    Serafeim, George. “Investors as Stewards of the Commons?” Harvard Business School Working Paper, No. 18-013, August 2017. View Details

    RECENT PUBLICATION: Case

    Case | HBS Case Collection | August 2017

    Srikant M. Datar and Caitlin N. Bowler

    Datar, Srikant M. and Caitlin N. Bowler. “The Oakland Athletics: Strategy & Metrics for a Budget.” Harvard Business School Case 118-010, August 2017. View Details

    The Accounting Management unit at Harvard Business School strives to be the worldwide leader in research, course development, and teaching on top managements’ use of performance measurement systems to:

    • Communicate with external investors to ensure that their firms’ securities are fairly priced and that they are able to access capital,
    • Measure and evaluate their firms’ economic performance,
    • Improve resource allocation and strategy implementation within their firms, and
    • Build accountability for performance through effective external and internal governance.

    Unit research, course development, and teaching fall into two broad areas: Financial Reporting and Analysis and Management Accounting. Our research helps scholars and educators understand current best practices for the design and use of performance measurement systems that help managers to build more effective, value-creating organizations. Our teaching materials enable us to bring the results of this research into the classroom, and to practice.​

    In The News

    CFO. 08 AUG 2017

    Re: Charles Wang

    Financial Times. 02 AUG 2017

    Re: George Serafeim

    New York Times. 14 JUL 2017

    Doctoral Students

    Faculty Positions

    Harvard Business School seeks candidates in all fields for full time positions. Candidates with outstanding records in PhD or DBA programs are encouraged to apply.

    HBS Working Knowledge

    Among this paper’s contributions is evidence that different types of pay disparity matter in different ways to firm employees, and that disparity created by pay that is unrelated to the economics of

    This paper offers evidence of potential issues with the current United States system of taxation on foreign corporate profits. A reduction in the US tax rate and the move to a territorial tax system

    Among the highlights included in new research papers, case studies, articles, and books released this week by Harvard Business School faculty: Can Waze navigate its own growth challenges? A new case

    Funding Program Types – Australian Government Grants & Loans – Australian Government

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    Funding Program

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    How to Get a Hard Money Loan Approval: 12 Steps (with Pictures)

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    How to Get a Hard Money Loan Approval

    Hard money loans are generally lent to borrowers to finance real estate investment opportunities or other collateral backed loans; they are funded by private investors as opposed to banks. A hard money loan might be an appropriate option if you do not have a high enough credit score to secure a loan from a bank. They are generally used as “bridge” loans between construction financing and long term loans; hard money loans are often used for construction because longterm lenders may want finished and leased projects. Be aware that hard money lenders are not regulated by the Federal Reserve or the Office of Thrift Supervision. Therefore, the application process can be very different from a traditional loan from a bank.

    Steps Edit

    Part One of Three:
    Finding a Reliable Hard Lender Edit

    Research appropriate hard lenders in your area. If you are looking for a hard lender because you have been rejected by a bank, then you might be tempted to run to the first hard lender you can find to get your loan quickly. Resist this temptation and do your research first. Some hard lenders are genuinely interested in helping you finance your real estate project, but others are little more than loan sharks. [1] Ask yourself some of the following questions as you are assessing potential lenders:

    • Does this lender have a legitimate web site? Many hard lenders have web sites that are designed to simply gather your information before passing it along to a third party. Avoid these kinds of sites. [2]
    • Is the lender in good standing with its investors? Does the lender have any pending lawsuits from its investors over bad loans or foreclosed properties? If it it does, this can be a warning as to the financial health of the lender.
    • What types of projects has this lender financed in the past? For example, a lender who finances hospitality projects will not generally be comfortable with medical facility loans.
    • Does the lender have a staff member that you can meet and contact? Some hard lenders operate nationally, but you might prefer to find one who operates in your state locally. Many hard lenders will want to see the property you are planning to purchase firsthand.

    Consider the pros and cons of accepting a hard money loan. Hard money loans are designed to be short-term investments, generally lasting 12 months. Will you be able to refinance this loan in that time frame? [3]

    • Hard money loans also have higher interest rates than long-term loans; their interest rates generally range between 12 and 20 percent. Hard money loans will also include fees and closing costs that must be covered by the borrower.

    Evaluate the time frame for your loan. Hard money loans are generally granted far more quickly than bank loans. Most banks take longer due to the various requirements for information and the underwriting process, but private lenders can generally grant the loan within two weeks (if not sooner). If you need to finance a real estate project quickly, then a hard money loan can be a good option for you.

    Part Two of Three:
    Applying for a Hard Money Loan Edit

    Present the potential value of the property you want to purchase. In a hard money loan, you are financed based on the collateral value of the property, not your personal credit score. That means you will need to present documents such as architectural plans for the property, detailed budgets for construction, and your contractor bid sheets for repairs and renovations. [4] Note that these can apply to commercial projects as well as home buyers.

    • Hard money loans are sometimes given to first time home buyers, but they are commonly granted to developers who want to buy a property and then immediately sell it or refinance it. Hard money lenders want to know that the property and the location are a safe investment.
    • Be prepared to prove the value of the neighborhood and your particular property; what is the price of similar properties in this area? What is the history of the market in this neighborhood? What are its projections for growth? You should have this data available to show your lenders. Websites such as www.zillow.com, www.trulia.com and www.realtor.com can help you find this kind of information.
    • Having a history as a real estate developer will also help your chances for being approved. Show your lenders how you have succeeded in real estate projects in the past.

    Present a clear financial plan for your home project. Many hard money lenders will fund 60 – 70% of the after-repair-value (ARV) of the home; you will be responsible for funding the additional 30 – 40% of the additional cost. If you have this cash on hand, that will increase your chances of being approved for the loan. If you do not have the money to cover the additional 30 – 40% of the home’s value, then the lender might put a lien on another property that you own. [5]

    • Most lenders will prefer that you have 30 – 40% of the additional cost in hand rather than using another loan or a credit card to finance the difference.
    • This generally applies to individual homes, not to large commercial projects.

    Prepare additional documentation. Although most lenders are concerned with the value of the property you want to buy, they may also ask for your personal financial information. This might include documents such W-2s, paystubs, bank statements and other items in your credit history. You should be prepared to present all of this information to your lenders.

    Protect yourself legally. Before you sign any paperwork from a hard money lender, review the terms of the loan with your lawyer. Private investors are subjected to very few regulations, so you should make sure your legal interests are protected.

    • If your lender does not disclose any additional fees that might be included in the loan during your repayment schedule, this is a red flag. Be sure to ask if the loan agreement includes all fees. If they also do not include a detailed repayment schedule (including how much interest will accrue and how much of your payment will go toward the interest), then this is also a warning that it might be a bad loan. [6]
    • Speak with your lawyer about the loan’s impact on your personal liability. This not always required, depending upon project and the net worth of the borrowing entity, such as a corporation.

    Remain in constant contact with your lender. Hard money lenders want to see that you’re interested in this loan. Return calls promptly and give them the information they need in a timely manner. Hard money lenders keep less capital on hand than banks. If you delay in getting back to a hard money lender, they may lend their assets to another borrower.

    Business Process Management Platform #bpm #business #process #management

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    Business Process Management (BPM) Software

    BPM (Business Process Management) is a business solution approach which views a business as a set of processes or workflows. BPM Software (BPMS ) is software which enables businesses to model, implement, execute, monitor and optimize their processes.

    Note: BPM can stand for several things, such as Beats Per Minute, Beam Propagation Method, and Sirius XM (a satellite radio channel), but this article is about its use in business process management. Below is a brief introduction to PNMsoft s intuitive software as well as several examples of concepts, methodologies, and features which have become prevalent in the business world since the introduction of this technology.

    Improved Efficiency

    PNMsoft provides the most intuitive business process management suite on the market, making it possible for large organizations to quickly streamline and automate complex processes. Watch this 3 minute video to learn how BPM improves corporate efficiency. Or request a free demo to see first-hand how our comprehensive platform will automate your company s internal and external processes.

    Core Concept – the Workflow

    In BPM frameworks, solutions are nearly always based on a workflow or set of workflows. The concept is that work in a real-time business environment should not be static, rather it should progress through a series of steps (‘a process’) in time. Basing a solution on sequential activities is effective in encouraging teams to reach completion of goals within a set period. The process platform encourages progression through tasks by sending the participants reminders and indications of their completion status and due date. Because of this, teams who use these solutions tend to perform faster and accomplish goals more consistently.

    Beyond Workflow to Complete Process Management

    While there are various types of workflow software. BPM software is distinguished in that it provides a proces splatform with additional capabilities, beyond just workflow. These capabilities round out the suite’s ability to cover a fuller business scenario. They typically include:

    For a closer look into the core concepts of the software, best practices and project methodology, check out our BPM Traveler’s Guide eBook :

    Common Terms

    Here we provide a set of terms that are commonly used in relation to the software and its various applications:

    Types

    • BPMS: A Business Process Management Suite. A software suite which uses a robust process platform to enable a business/organisation to implement various management solutions.
    • Intelligent BPM: A Gartner concept, which describes the next generation of suites. These are suites which include intelligent features such as adaptive analytics, mobility, social collaboration, ad hoc processes, and cloud deployment.
    • iBPMS: An Intelligent Business Process Management Suite (as defined by Garter in their Magic Quadrant for iBPMS 2012).
    • Predictive: Features which enable predicting the outcome of processes by extrapolating analytics in real time.
    • Adaptive: A framework which enables processes to be adapted as they are run in production based on dynamically changing conditions.

    Features and Deployments:

    • Mobile: Management/operation of business processes via mobile devices
    • Social: Social process features, such as Questions and Answers, Comments, Process Wall, etc.
    • Cloud: A business process platform that is deployed over the cloud. Companies are opting for cloud options more and more frequently as it provides fast time-to-solution with low infrastructure costs.
    • On-premises: A solution that is deployed on premises.

    Solutions:

    • Horizontal solutions: Solutions that can be applied across several industries.
    • Vertical solutions: Solutions that are specific to a particular industry or type of process.

    Read Case Study: AutoNation

    ⅠII. Additional Concepts

    Additional Concepts:

    • BPMN: A graphical representation for specifying business processes in a business process model. It was previously known as Business Process Modeling Notation .
    • SOA: A solution which implements a SOA (Software as a Service) model.
    • BPMS for Enterprise: A suite which is robust and scalable enough to provide a viable solution for a larger enterprise.
    • BPMS for SME: A system which is appropriate for SMEs in its scope and scalability.
    • Iterative BPM: A model for improvement whereby processes are optimized in an iterative fashion.
    • Case Management: A parallel discipline to Business Process Management (overlapping in some cases) whereby each instance of the solution focuses on solving a particular case. A knowledge worker solves each case, employing unstructured processes and other resources. Learn more about case management and case management software
    • Intelligent Analytics: Analytics which can be plugged back into the process to optimize its performance/flow over time. Intelligent Analytics are an integral part of Intelligent BPM.

    Methodologies and Tools:

    • Lifecycle/Cycle of Improvement: the cyclical lifecycle of a project which includes: Modelling, Implementation, Monitoring, Improvement
    • BPM Methodology: A methodology which promotes the above-mentioned life cycle of improvement and other best practices.
    • Collaborative BPM: A methodology which promotes social features and collaboration between stakeholders to improve process performance.
    • BPEL: Business Process Execution Language for Web Services.
    • Business Intelligence (BI): Software systems and tools that extract practical conclusions from accumulated data.
    • Business Analytics: Accumulated and organised data on business processes that enable stakeholders to monitor and analyze process metrics, and respond to changes.
    • Process Discovery: A system whereby areas of operation which could benefit from a solution are discovered.
    • Simulation: A method of simulating process execution before or during development.
    • Business Process Modeling Tool: A software tool that enables Business Analysts, Managers, Architects to create business process diagrams.

    Ready to see how you can automate your company s business processes? Request a free corporate demo to learn how PNMsoft will optimize your workflow .

    iBPMS vs. BPMS

    While Business Process Management Suites have been around for more than a decade, Gartner has recently introduced a second concept: iBPMS. Gartner defines it as a suite with next-generation features which enable intelligent business operations, such as intelligent analytics (processes that learn to perform better over time based on real-time data), and advanced mobile, social and cloud capabilities.

    When you purchase a new phone, do you buy a classic model, or a smartphone? The answer should be obvious – the smartphone. PNMsoft Sequence Intelligent Business Process Management Suite is the only Microsoft-technology based pure play vendor defined by Gartner as an Intelligent BPM Suite (Gartner’s Magic Quadrant from 2012 and onward). For companies with Microsoft infrastructure such as SharePoint, Dynamics, Office, Azure, it is the leading choice for Process Management software.

    Sequence Intelligent BPMS

    PNMsoft’s Sequence iBPMS goes beyond the classic feature set of suites and incorporates:

    …with unique HotChange® technology.

    PNMsoft is positioned on Gartner’s Magic Quadrant .

    Complete the form below to receive a free software demo:

    Contractor Sales Online Training and Live Seminar #electrical #sales #classes, #plumber #sales

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    Webinar: How to Recruit and Hire Your Best Team

    Do you know the tell tale signs of a rockstar employee? Can you tell which candidates can make lasting results in your company? What are the key factors that differentiate the duds from the studs? Are you creating partners or employees? Join our webinar “How to Recruit and Hire Your Best Team” for business owners to learn the 9 steps in the recruiting and hiring process that can completely change your business. keep reading

    Webinar: How to Use Field Service Software for HVAC

    Do you ever wish there was a way to diagnose a system and present options without paperwork? Or maybe you want to track your technicians and sales in real time? How awesome would it be to accept a credit card by taking a picture using your phone? Luckily there’s an app for that! Join our webinar “How to Use Field Service Software for HVAC Professionals” to learn how you can save time and make more money in your business today. keep reading

    Webinar: Pure Motive Pricing with Rick Picard

    Join our webinar with Rick Picard on “Pure Motive Pricing” to get a taste of what you will learn as part our exclusive ContractorSelling.com Super Meeting at Contractor Leadership Live on September 12th in Cleveland, Ohio. This 1-hour session with Rick Picard, the $7 Million Dollar HVAC Salesman and Joe Crisara will go over what pure motive pricing is, the process of how to implement the strategy and how to scale growth. keep reading

    Webinar: 5 Day Telephone Training System: Day 3 – CSR Superstar

    In our third installment of the 5-Day Telephone Training System – CSR Superstar, we will go over the best practices used for dispatchers when encountering delayed and rescheduled calls. This webinar will teach you how to read and practice scripts, input data for invoices, practice putting customers on hold, handle multiple phone lines, how to transfer calls. keep reading

    It’s not hard to find contractors who think they are losing jobs because their competitors have a lower price than them. How many are losing jobs because they lower their price instead of standing firm?That is a question that is much harder to answer. Especially since most people do not want to face the truth. The truth is that you will lose far more sales with a lower price or worse yet, by lowering the price you have already given than they ever will by having a higher price than your competitors. keep reading

    Hour of Sales Power: Letting Your Buyer Sell You

    Join our special webinar with guest Joe Lucanie of Patriot Electric to learn how your prospects can be influenced to not only sell themselves, but also sell YOU! You will discover the strategies and results of leaving your proposal behind, the best language to use when presenting, and life-changing tactics to close the deal! Tune in on Thursday, July 13th at 5:00 p.m. keep reading

    About UCSB: Introduction – University of California, Santa Barbara #uc #santa #barbara

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    About UC Santa Barbara

    A learning and living environment like no other.

    Introduction

    Palm-framed vistas of the blue Pacific and the golden Santa Ynez Mountains. The scent of eucalyptus mixed with the saltwater breeze. Breathtaking natural beauty combined with enormous intellectual vitality. This is the University of California, Santa Barbara, and there is no other campus quite like it.

    Here on the edge of the Pacific, in a setting removed from urban pressures and distractions but vibrant with cultural and academic activity, many of the country’s most promising students join a community of scholars whose accomplishments are internationally recognized and whose skills as teachers are evident each day in classrooms and laboratories.

    In the humanities and the arts as well as in engineering and the sciences, UC Santa Barbara introduces students to novel ways of thinking, learning, and conducting research.

    Academic Quality

    Pioneering research is a critical component of the highest quality education. UCSB’s faculty includes six Nobel Prize winners and scores of elected members of national and international academies and societies as well as dozens of winners of Guggenheim and Fulbright Fellowships. The campus is one of only 62 research-intensive institutions elected to membership in the prestigious Association of American Universities.

    Within this community of scholars, the life of the mind, the pursuit of knowledge, and the experience of growth, both personal and intellectual, are the hallmarks of daily life. UCSB enrolls more than 23,000 students, almost 3,000 of them at the graduate level. Competition for admission is keen. In recent years the campus has enrolled the most academically competitive and ethnically diverse classes in its history.

    More than 200 majors, degrees, and credentials are offered through UCSB’s five schools and the Graduate Division. The College of Letters and Science alone offers 80 majors. The College of Creative Studies offers talented students an alternative approach for pursuing advanced, independent work in the arts, mathematics, or the sciences. The College of Engineering offers degree programs in seven disciplines.

    The university also has two professional schools: the Bren School of Environmental Science Management, and the Gevirtz Graduate School of Education.

    Scholarship and Service

    The preeminent scholarship, instruction, and public service that define UCSB have helped shape its identity as a place of enormous and exceptional possibility — a magnet for innovation.

    Originally a small, independent teachers’ college, Santa Barbara joined the renowned University of California system in 1944 and has since grown to be an integral and important part of public postsecondary education in the state.

    Recognition of UCSB’s academic quality takes many forms. One of the most prestigious is support from the National Science Foundation. The campus is now home to 12 national centers and institutes, eight of which are sponsored by the NSF, including the Materials Research Laboratory, the National Center for Ecological Analysis and Synthesis, the Southern California Earthquake Center and the renowned Kavli Institute for Theoretical Physics.

    The California NanoSystems Institute — one of the California Institutes for Science and Innovation — focuses on dramatic breakthroughs in materials, devices and resulting technologies, made possible by controlling form and function at the nanoscale. The institute is a research partnership with UCLA. New research buildings at both campuses house the institute.

    At the interdisciplinary Carsey-Wolf Center, students and scholars study everything from silent films to the latest in digital media and satellite communications, all in the context of a strong liberal arts and sciences curriculum.

    Quick Stats

    Location and Size

    1,000+ acres on the California coast
    about 100 miles northwest of Los Angeles.