Monthly Archives: August 2017

Small Business and Home Based Business Ideas #canadian #business

#home based business ideas


Starting a Business: Finding Business Ideas

Updated August 23, 2016

Sometimes the hardest part of starting a business is coming up with a business idea. Follow the links on this page to find small and home-based business ideas that will help you decide what kind of business you want to start.

Browse these collections of small business ideas and see what strikes your fancy. Based on current trends these are businesses that I think have good or better potential for profit over a period of time – an important consideration when you re starting a business.

Many of the ideas presented in the articles above will work as home-based businesses. But if you re specifically looking for a business you can start and run at home, try one of the home businesses presented in these articles:

How to come up with your own business ideas

The hamburger. The personal computer. The hula hoop. Every successful business started with someone coming up with the right idea at the right time. How do you do it? It doesn t really take any huge feats of mental gymnastics; you just have to be alert to the business ideas that are all around you.

One way of coming up with your own idea for a business is to examine current business trends. These articles discuss trends and associated business needs to get you going:

Franchising Businesses

Franchises are a common choice for new businesses.

When you buy a franchise, you re buying someone else s business idea, in effect. That can put you on the fast track to business success and big profits if you ve chosen wisely.

But there are both advantages and disadvantages to going the franchise route. Read more about these in Should You Buy a Franchise?

Narrowing your business options

If you ve followed even a few of the links on this page, your head is probably buzzing now with all kinds of ideas for small businesses.

If you re having trouble deciding which small business ideas to follow up on and investigate further, read What Type of Business Should You Start? My theory is that the best business idea is one that s best suited to you and this article will lead you through the process of figuring out what type of business idea you should be looking for.

Testing your business idea

Once you ve settled on what you think is suitable business, it s a good idea to test your idea before you waste time and money working through the steps necessary to start a business.

One way to do this if your new business involves products is to put some of your products on eBay and see how well they sell and what profit you make. Selling on eBay is an example of this kind of product testing.

No matter what business you ve chosen, running through a condensed version of a business plan is an excellent way to test your business idea. Use this Quick-Start Business Plan to find out if your small business idea is worth developing.

And, of course, writing a complete business plan is a fine test of your ideas feasibility as a business. If, for instance, your idea was to provide computer services and you discovered that there were already eight such businesses in a town with less than 50,000 people as you were working through your plan, you would know that this business idea was a poor choice.

(Still having cold feet about actually plunging in and starting a business of your own? This article, Why Are You Putting Off Starting Your Own Business? will help you get past your excuses and on with what you want to do.)

Stock Market Today – Stocks to Watch #internet #business

#stocks to watch


Stocks finished higher this week even as today s release of the August payrolls report did little to clarify the direction of monetary policy.

The S P 500 advanced 0.5% this week after rising 0.4% to 2,179.98 today. The Dow Jones Industrial Average rose 0.5% this week after advancing 72.66 points, or 0.4%, to 18,491.96 today. The Nasdaq Composite rallied 0.6% this week after gaining 0.4% to 5,249.90 today.

Today s August payrolls report was supposed to provide direction for the Federal Reserve and perhaps the market as well. It did not. Marketfield s Michael Shaoul explains:

By Ben Levisohn

Raymond James analyst Christopher Raymond and team say AbbVie (ABBV ) is not your father s biotech company as they initiate coverage with an Outperform rating:

How to Start Investing in Stocks with Only $1, 000 #business #finance

#investing in stocks


Start Investing With Only $1,000

So you have a $1,000 set aside, and you’re ready to enter the world of stock investing. But before you jump head first into the world of stocks and bonds, there are a few things you need to consider. One of the biggest considerations for investors with a minimal amount of funds is not only what to invest in but also how to go about investing. Not long into your investment journey you may find yourself bombarded with minimum deposit restrictions, commissions and the need for diversification, among a myriad of other considerations. In this article, we’ll walk you through getting started as an investor and show you how to maximize your returns by minimizing your costs.

More from Investopedia:

What are the account minimums?
To the inexperienced investor, investing may seem simple enough – all you need to do is go to a brokerage firm and open up an account, right? What you may not know, however, is that all financial institutions have minimum deposit requirements. In other words, they won’t accept your account application unless you deposit a certain amount of money. With a sum as small as $1,000, some firms won’t allow you to open an account.

Stock brokers come in two flavors: full-service and discount. As the name implies, a full-service broker provides much more in the way of service, but it only deals with higher net worth clients. It’s not unusual to see minimum account sizes of $50,000 and up at full-service brokerages.

This leaves the $1,000-investor with the option of a discount broker. Discount brokers have considerably lower fees, but don’t expect much in the way of hand-holding. Fees are low because you are in charge of all investment decisions � you can’t call up and ask for investment advice. With $1,000, you are right on the cusp in terms of the minimum deposit. There will be some discount brokers that will take you and others that won’t. You’ll have to shop around.

You also could purchase shares directly from a company through direct stock purchase plans (DSPPs). But some of these plans have a minimum investment amount restriction, which ranges between $100 and $500.

With the advent of online trading, there are a number of discount brokers with no (or very low) minimum deposit restrictions. One of the most popular online trading sites is ShareBuilder. You will, however, be faced with other restrictions and see higher fees for certain types of trades. This is something an investor with a $1,000 starting balance should take into account if he or she wants to invest in stocks.

Mutual Funds and Bonds
If mutual funds or bonds are investments you would like to make, it is simpler in terms of minimum deposit amounts. Both of these can be purchased through brokerage firms, where similar deposit rules apply as stocks. Mutual funds also can be purchased through your local bank, often for less than $1,000 when you have an existing relationship with the bank.

If you want to purchase government bonds, this can be done straight from the government through TreasuryDirect. The only restriction here is the minimum purchase amount of a bond, which can range from $100 to $1,000.

Learn the Costs of Investing

Before you open an investment account, you must also consider the costs that you will incur from purchasing investments once the account is open. In most cases, every time you purchase an investment, it will cost you money (through commissions). With a limited amount of funds, these transaction fees can really put a dent on your $1,000.

Investing in stocks can be very costly if you trade constantly, especially with a minimum amount of money available to invest. Every time that you trade stock, either buying or selling, you will incur a trading fee. Trading fees range from the low end of $10 per trade, but can be as high as $30 for some discount brokers. Remember, a trade is an order to purchase shares in one company – if you want to purchase five different stocks at the same time, this is seen as five separate trades and you will be charged for each one.

Now, imagine that you decide to buy the stocks of those five companies with your $1,000. To do this you will incur $50 in trading costs, which is equivalent to 5% of your $1,000. If you were to fully invest the $1,000, your account would be reduced to $950 after trading costs. This represents a 5% loss, before you investments even have a chance to earn a cent!

If you were to sell these five stocks, you would once again incur the costs of the trades, which would be another $50. To make the round trip (buying and selling) on these five stocks it would cost you $100, or 10% of your initial deposit amount of $1,000. If your investments don’t earn enough to cover this, you have lost money by just entering and exiting positions.

Mutual Fund Fees
There are many fees an investor will incur when investing in mutual funds. One of the most important fees to focus on is the management expense ratio (MER), which is charged by the management team each year based on the amount of assets in the fund. The higher the MER, the worse it is for the fund’s investors. It doesn’t end there: you’ll also see a number of sales charges called “loads” when you buy mutual funds.

In terms of the beginning investor, the mutual fund fees are actually an advantage relative to the commissions on stocks. The reason for this is that the fees are the same regardless of the amount you invest. So, as long as you have the minimum requirement to open an account, you can invest as little as $50 or $100 per month in a mutual fund. The term for this is called dollar cost averaging (DCA), and it can be a great way to start investing.

Reduce risk with Diversification
Diversification is considered to be the only free lunch in investing. (If you are new to this concept, check out Introduction To Diversification, The Importance Of Diversification and A Guide To Portfolio Construction.) In a nutshell, by investing in a range of assets, you reduce the risk of one investment’s performance severely hurting the return of your overall investment. You could think of it as financial jargon for “don’t put all of your eggs in one basket”.

In terms of diversification, the greatest amount of difficulty in doing this will come from investments in stocks. This was illustrated in the commissions section of the article, where we discussed how the costs of investing in a large number of stocks can be detrimental to the portfolio. With a $1,000 deposit, it is nearly impossible to have a well-diversified portfolio, so be aware that you may need to invest in one or two companies (at the most) to begin with. This will increase your risk.

This is where the major benefit of mutual funds comes into focus. Mutual funds tend to have a large number of stocks and other investments within the fund, which makes the fund more diversified than a single stock.

A Small Step Toward a Large Future
It is possible to invest if you are just starting out with a small amount of money. It’s more complicated than just selecting the right investment (a feat that is difficult enough in itself) and you have to be aware of the restrictions that you face as a new investor.

You’ll have to do your homework to find the minimum deposit requirements and then compare the commissions to other brokers. Chances are you won’t be able to cost-effectively buy individual stocks and still be diversified with a small amount of money. Given these restrictions, it’s probably worth starting out on your investment journey with mutual funds. However, like all aspects of investing, it’s up to you to do the research and figure out the strategy that suits you best.

by Chad Langager

Chad Langager is the Senior Financial Editor for Chad graduated from the University of Alberta Business School with a degree in finance.

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Photoshop Business Card Templates and Print Design Tutorial #business #tax #software

#business cards templates


Photoshop Print Design Tutorial

Design Business Cards in Adobe Photoshop

This tutorial will guide you through the process of designing prints in Photoshop as well as providing press-ready templates to get you started.

Once finished, upload your files to order high quality business cards!

Table of Contents Step 1. Download a template.
Step 2. Inspect template understand bleed.
Step 3. Verify color mode and resolution.
Step 4. Create your designs.
Useful Tips. Save often and print your designs.
Step 5. Flatten image discard hidden layers.
Step 6. Save as TIF.
Step 7. Place your order.

Download one of these pre-formatted templates and open it in Photoshop:

Right Click Save Link As

Familiarize yourself with the template by learning what the colored lines mean.
These rules apply to all products, reguardless of size or shape.

The PINK lines are called cut/trim lines. The cut lines show where your prints will be cut away from the much larger sheet of paper it was printed on. This ensures color all the way to the very edge of your cards. This method is called full bleed.

The BLUE lines are called the safety lines. Anything outside these lines run the risk of being cut off. Although the cutting machines are very accurate, staying inside of this area ensures that important text/graphics won’t be chopped off. It also helps make your card more readable by provider further separation of text and edge of the finished print. Your background colors/images MUST extend past the PINK cut lines!
Keep all your non-background text, logos, pictures, etc. inside of the BLUE safe area!

Step Three

Verify that your design is in CMYK color mode and at 350dpi resolution.
This is very important as we will not be able to print your design if these settings are not correct.

Image Mode CMYK
Image Image Size Resolution: 350 pixels/inch

Step Four

Now you are ready to begin the design phase. It’s up to you to decide what you want the card to look like. Start experimenting and use the different tools & techniques to get the look you desire.

Create separate files for each side if you wish to have printing on the back.

Looking for something to give you that creative boost?

Browse through thousands of easy-to-follow tutorials to create some really impressive effects in Photoshop. Experimenting with these tutorials is how I learned to use Photoshop without taking a class or buying those thick expensive “How To” books.

Useful Tips

The Inkjet Test: Throughout the design process I suggest printing your creations on your inkjet printer directly from Photoshop. Use glossy photo paper if you have it. This will give you a good idea how your card will look as far as sizing goes. If your text looks small when printed on your inkjet, it will be too small when printed by our presses.

I suggest using the highest resolution print option (photographic quality) that is available on your printer. No adjustments to sizing or placement will be needed. The design should print on the paper at the actual finsihed size.

Remember the full bleed process will trim your cards down to normal size.

Save Often!
You never know when your computer may crash or lock up. Loosing work you’ve spent hours on is very disheartening. While you are working on your file, save as a .PSD to preserve your layers within the design.

Step Five

After saving as a .PSD flatten the layers in your image. If any layers are hidden, discard them.

Layer Flatten Image
Discard Hidden Layers? OK

With all layers flattened, you can now save your image out as a press-ready .TIF file.

File Save As Format: TIFF (*.TIF; *.TIFF)

Step Seven

Upload your newly created files for high quality printing delivered to your door!

Select the print product of which you designed to upload and order:

Tucson Termite Services – Northwest Exterminating #new #construction #termite #treatment


Tucson Termite Services

Northwest Exterminating receives more calls about termites than any other insect and when the subject comes up the question is not if you will get them, but when? Spring typically is when large numbers of winged termites, known as “swarmers,” emerge. Triggered by warmer temperatures and rainfall, the winged termites will emerge from a colony, pair off with a mate, and begin new colonies.

Termites make themselves at home by random and continuous forging which is how they find and feed on cellulose material. Termites can enter a structure through the smallest hole and can feed upon a structure for years evading detection. Treatments are customized based on your home s construction type.

The Northwest Difference

A visual inspection is conducted by State Certified Inspectors. Our inspectors identify conducive conditions such as standing water, earth-to-wood contact, and plumbing leaks. In addition, they document any existing damage that is visible such as such as damaged wood and termite tubes.

The average appointment will take approximately one hour allowing for a detailed inspection, review of findings and discussion about treatment options would work best with your structure.

The four most popular termite treatments available are Sentricon® Always Active, Premise®, Pre-Construction, and Borate. A brief summary of each is listed below, however for a more comprehensive understanding of each treatment please complete the “Request Quote” box located on the right of the screen and we will be happy to schedule an appointment for a free inspection and review of your structure by one of our State Certified Inspectors.

Sentricon Always Active

The Sentricon® System is a green, eco-friendly award-winning termite colony elimination system that protects more than just the structure, it wipes out entire termite colonies! The Sentricon® System is a proven game-changer with more than 15 years of real life success, offering constant property protection and peace of mind. Launched in 1994, is has successfully protected more than 2 million properties including the White House, The Statue of Liberty, Ellis Island Museum and Tucson’s own San Xavier Mission.

Simply put Sentricon® is the only termite product proven to eliminate subterranean termite colonies. Sentricon® stations baited with Recruit HD are placed around the perimeter of the structure. Sentricon® capitalizes on termite s own biology by taking advantage of their random and continuous feeding habits. Termites will feed on the bait and the active ingredient will be carried to the rest of the colony; bait is immediately available to termites. It kills the entire termite colony including the termite queen, who can produce more than a million termites over her life span.

The Sentricon Process

Premise® Termite System

Premise® Termite Control is one of the most advanced liquid termiticides on the market. It was first released to the public more than ten years ago and has built a solid reputation as a reliable long term termite control product. Premise® is a highly effective and immediate termite solution for before, during or after construction. The experience and skills of our Northwest Technicians compliment the reliability of Premise® guaranteeing successful treatments.

Premise® provides a reliable, cost-effective and convenient elimination of termites from your structure for years. That means lasting peace of mind.

Premise® has an unidentifiable liquid source of protection so termites can’t detect the “Treated Zone®” in the soil.

Once exposed to Premise®, termites stop feeding and soon die.

Termites exposed to Premise® transfer the product to unexposed colony members through social interaction and cannibalism.

Premise® has delivered reliable service to more than one million homes in the U.S.

Premise® can remain in place, offering protection for several years.


Northwest Exterminating began its business with new construction pre-treats over 20 years ago and continues to maintain strong relationships with builders and sub-contractors throughout Tucson. Methods available for treatment include state of the art spraying systems, which optimize proper chemical output. Northwest focuses on the accurate application of the product which includes blue dye for even coverage, fluorescent marking tabs and quality assurance inspections. Our large fleet of high capacity tankers ensures that we are able to provide 24-hour service and maintain flexible schedules meeting the timing requirements of our customers.

This preventative termite treatment, known as pre-treat, is not a one-time application. It is done in stages from the foundation construction through final grading of the soil around a building’s exterior. Before the concrete is poured or stem walls are backfilled, Northwest Exterminating will apply a top quality treatment to the soil. Northwest understands there is only one opportunity to do it right, as once the slab is poured the treatment can never be duplicated. In order for the treatment to be effective, the final phase will be to treat the exterior foundation after the final grade or landscaping is complete.

Borate Wood Protection

For an additional layer of protection, wood is treated to prevent termites from feeding upon the framing of the structure. This treatment is usually done before siding and sheetrock are installed. The borate treatment does not alter the wood’s appearance and it can be stained or painted after application.

Best Payroll Software Systems for Your Small Business #payroll #company #for #sale


5 Best Payroll Software Systems for Your Small Business

  • Payroll can be a nightmare. While small business managers often wear many hats, you probably did not envision spending hours hunched over a spreadsheet calculating payroll taxes and overtime. This is tedious and time consuming, so it may make you consider getting payroll software for your company.

    When it comes to payroll software, each business has specific needs. You may want something customized or ready to go out of the box. If you travel, you may need mobile access to payroll. Of course, cost is also an important factor. Here are five of the top payroll systems for small businesses.

    1. Intuit Online Payroll

    Intuit is a top-rated payroll software company offering three tiers of service. The least expensive service is a paycheck-only service. The top tier offers direct deposit, electronic tax filing, and the ability to run payroll from a mobile device, including iPhone and Android devices. Intuit Payroll can be integrated with Intuit s QuickBooks accounting software or can be purchased as a standalone product. The company offers a 30-day free trial and can be easily downloaded from the company s website.

    2. Patriot Pay

    Patriot Software specializes in human resource systems for small businesses employing up to 50 employees. The company also offers software packages that include tax services, hiring databases, and accounting software. Patriot Pay was chosen as one of the best payroll software programs of 2012 by

    Patriot Pay is supported by most operating systems and also offers mobile access from iPhone and Android devices. There are several options for screening the product before purchase, including a free 30-day trial. Additionally, the software offers a data-restore feature in case of system failure. However, the software is not all inclusive. Expect to pay more if you want features such as tax services and employee time tracking.

    3. ezPaycheck Payroll

    Offered by, exPaycheckPayroll software claims to be the best for non-accountants, and may be best for businesses with fewer than 10 employees. The software is a bare-bones product that calculates payroll taxes, prints tax forms and paychecks, and supports customized wage systems, as well as traditional ones such as hourly and commissioned systems. Direct deposit is not offered with this software and it does not offer mobile connectivity. A 30-day free trial is available.

    4. CenterPoint Payroll

    Offered by Red Wing Software, CenterPoint Payroll is a customizable system for a one-time fee. CenterPoint Payroll received a positive review by CPA Practice Advisor. Direct deposit, electronic tax filing, and customized wage calculations are a few of the features offered.

    The real benefit, however, is the software s flexibility, with the ability to manage payroll for unlimited employees and multiple companies, all at one price. However, an annual fee is added for unlimited customer membership support. The company does not offer a free trial, but it does offer an online demonstration with a sales representative. Another disadvantage is that the software does not offer mobile access.

    5. Sage HRMS Payroll

    If your company uses Peachtree Accounting software, Sage HRMS Payroll is an ideal choice as it easily integrates with Peachtree, thus eliminating some data entry for your accounting staff. Ideal for companies with fewer than 20 employees, Sage HRMS Payroll also allows a customizable system with unlimited direct deposits as well as paycheck printing. A free demonstration is available at the company s website. However, Sage HRMS does not calculate local taxes, nor does it electronically file taxes.

    Payroll is the largest expense for many small businesses. An effective payroll system designed to meet your specific needs is critical to a successful venture, allowing both you and your employees to concentrate on making your small business the best it can be.

    Alice is one of’s co-founders. As a business and technology expert passionate about serving small businesses, she has written and contributed a wide range of useful articles, resources and insights. She has a masters degree in Communication Studies from San Francisco State University.

    Best Transportation Factoring for Trucking and Freight Brokers #transportation #factoring, #truck #factoring,


    Trucking, Transportation, and Freight Factoring

    Today’s busy trucking world keeps rolling through transportation factoring, the process of selling freight bills to a specialized trucking factoring company in exchange for upfront payment. Freight bill factoring works very smoothly for the freight delivery business model and factoring companies for trucking have proliferated over the last decade.

    Freight factoring services through transportation factoring companies can help you spend more time keeping your trucks on the road and less time waiting for your invoices to be paid. Timing is critical in the freight industry, whether you’re waiting at a loading dock for a shipment or waiting for a payment from a customer. The freight invoice factoring specialists at Interstate Capital, one of North America’s most trusted leaders in transportation factoring, understand the importance of timing in your operations. They work hard to ensure that you get paid within hours of pick-up and delivery, without waiting weeks and months to be paid on your invoices.

    When you factor your customers’ invoices with a strong truck factoring company, you get paid upfront. You can use that cash for fuel, payroll, maintenance, insurance, taxes, and even new equipment. Freight bill factoring with Interstate Capital can be one of the most sensible financial decisions you will ever make as a motor carrier or freight broker. When you work with a specialist in truck factoring, you gain a partner dedicated to your success today and your company’s growth in the future.

    Factoring for Motor Carriers

    When you are looking for a top truck factoring company, you can trust Interstate Capital to stand out among transportation factoring companies. Thousands of motor carriers, whether they owned one truck or a fleet, have depended on Interstate Capital since 1993 for funding solutions and benefits that are specifically tailored to freight factoring.

    With your own dedicated account manager who specializes in truck factoring and with our easy-to-use 24/7 customer website and mobile app designed for transport factoring, you can receive up to 100% cash advances when you load and payment on delivery. As an extra bonus, Interstate Capital gives you and your drivers one of the best discount fuel cards in the freight factoring company industry, with savings of up to $0.10 per gallon, as well as the ability for us to create and send your invoices.

    Benefits for Motor Carriers

    • Fast payment
    • Low factoring rates
    • Interstate Capital fuel discount card
    • Funding from copies
    • Fuel advances
    • After-hours fuel credit
    • Money transfers at no cost to you
    • Registration on
    • 24/7 online access
    • Account manager as your single point of contact

    How does it work?

    Take the next step toward positive cash flow and call us today for all your trucking factoring needs. We’ve been helping motor carriers increase their cash flow for over 20 years and we are ready to help your company enjoy the benefits of this debt-free cash flow solution.

    Get an Instant Factoring Rate Quote

    Factoring for Freight Brokers

    For nearly 25 years, freight brokers of all types and sizes from across North America have chosen Interstate Capital as their freight factoring company because we know how to make truck factoring easy and convenient. As a leading factoring company for trucking, Interstate Capital can pay your carriers directly, freeing up your time to find freight and grow your company.

    Not only will your carriers get paid on time, but you can also offer them fuel discount cards for fuel advances and quick pay. Not all truck factoring companies offer the time-saving back-office services provided by Interstate Capital, services like invoice preparation and sending and in-house credit and collections departments. Let Interstate Capital help you focus on what you do best: keeping your carriers loaded and on the road by using our transportation factoring services.

    Benefits of Interstate’s Freight Broker funding solutions

    • Fuel advances to your motor carriers with our funds
    • Quick pay for your motor carriers with our funds
    • Carrier payments sent via ACH, wire check, or Comcheck
    • 24/7 online access to images and reporting
    • Credit inquiries 24/7
    • Letters of guaranty to motor carriers
    • No application fee
    • Low factoring rates
    • Collection specialists
    • Your own account manager as a single point of contact
    • Unlimited access to post loads and search for trucks

    How does it work?

    Freight Factoring: A Winning Cash Flow Solution

    Freight bill factoring continues to grow in popularity throughout today’s trucking industry because this kind of no-debt financing represents an excellent fit for the typical freight company’s business model. Freight companies of all sizes, ages, and financial stages factor their freight bills to have the cash in hand they need to pay bills and grow their business. In the fast-paced trucking world, speed is critical and many trucking professionals find that factoring is the fastest way to get paid for delivered loads. Turning the funds stuck in their accounts receivable into immediate working capital is a powerful business tool for thousands of transportation companies whether they are startups or long-established businesses.

    When you are pressed for time with significant financial needs, Interstate Capital can get you onboarded as a new client within a day or two after you complete your paperwork. Freight factoring with Interstate Capital can be one of the most sensible financial decisions you will ever make as a motor carrier or freight broker. Now is the time to partner with a trucking factoring company dedicated to your success and increased profits.

    Get an Instant Factoring Rate Quote

    We highly recommend Interstate Capital to anyone that it’s either starting a small company or if you are a large company. When we started our company, Interstate Capital was helpful in every way in getting us started. We have been with them for several years now and have never had issues with them, they are always easy to get a hold of them and are always there if you have questions and are they are always willing to listen. We get our settlements quickly. We give a Thumbs up to Interstate Capital.

    Interstate Capital is great a must just starting out or small business

    I’m a owner/operator of a hotshot. I struggled for the first 6 months I was in business with out them. I wish I would have used them earlier, it made my job and my life a lot easier. Everybody there was really helpful. Would recommend them to anybody.

    Jacob B.
    Freight Broker

    I was a skeptic when it came to working with a factoring company. Working in the industry for the last 20+ years, everyone has heard the horror stories. So when it came time to grow and find a strategic partner, we chose Interstate Capital Corp. We had several conversations and meetings with JR. He took the time to understand not only how we conduct our business but helped us evaluate our customer’s aging and credit terms before we became a client. JR offered multiple solutions for our needs. In fact, it forced us to look at our accounting procedures and we found a solution that helped increase our profitability and minimize expenses. Their entire team is friendly and knowledgeable. Signing up was extremely easy, and ICC appointed the perfect representative for our account. I am impressed with their technology, ease of doing business and all the additional free perks they offer.

    This is a great company

    I have never had any problems when it comes to interstate capital corporation. They are always friendly and helpful. They have gone over and beyond to help resolve issues as they arise. I would highly recommend them to anyone who is looking for a great reliable factoring company.

    Heather T.
    Interstate Capital Client

    The staff at ICC is superb. You couldn’t ask for a more friendly staff. Any requests made are handled promptly and with the utmost care. They will do what they can to help out with a wide array of issues and if one person doesn’t know there are others who are quick to speak up with ideas. They are right there next to you during your trial and tribulations and will share in your successes as well. This company definitely has the factoring business figured out and shows tremendous staying power.

    Go above and beyond

    As a flatbed woman owner operator I find my own freight ,drive ,deal with brokers etc. I don’t have the time to sit at home and wait for the checks do. paperwork everything that goes with it. As all knows wheels aren’t rolling no money is being made.It’s so much easier to just deal with interstate I have worked with Nancy right from the get go and I will continue.I have worked with other factoring companies but this is by far the best. Grass just isn’t greener on the other side .Been steady solid company .I have found out that they will go above and beyond to help keep you going.

    Strayer University #colleges #with #computer #science #programs


    Our Degree Programs


    A Strayer associate degree in accounting gives you the foundational accounting skills upon which you can build a successful career. Unlike other accounting programs, you’ll also develop your communication and critical-thinking skills to enhance your employability.

    Acquisition and Contract Management

    A Strayer associate degree in acquisition and contract management helps you build a foundation in key acquisition processes, gain practical knowledge of contract law, learn how to make requests for proposals, and acquire skills for contract negotiation and management.

    Business Administration

    Take the first step toward a rewarding career in business or government. Strayer associate degree in business administration gives you a broad base of practical knowledge and the skill set to use it.

    Information Systems

    A Strayer associate information systems degree gives you the foundational computing skills to support information systems in organizations ranging from tech to health care to law enforcement. You’ll also develop your communication and critical-thinking skills to enhance your employability.

    Information Technology

    A Strayer associate degree in information technology gives you hands-on experience upon which you can build a successful career. Learn a broad range of skills from user experience to network troubleshooting to resource optimization. You’ll also develop your communication and critical-thinking skills to enhance your employability.


    An associate degree in marketing from Strayer prepares you for a role developing communication solutions within any size business, non-profit or government agency. Get the marketing tools you need to help your company succeed.

    Bachelor’s Degrees


    At Strayer, we pair your functional and focused accounting degree with courses that can help you as you prepare to take the Certified Public Accounting (CPA) exam, further increasing your value in the job market. We use real-world case studies to bring your education to life and keep you ahead of the pace in this rapidly changing industry.

    Business Administration

    A Strayer business degree opens the doors to your future. Management and leadership preparation; professional skills in areas like decision making, analysis, strategic resource management and communication — they’re all part of our broad range of business majors.

    Criminal Justice

    With a bachelor of science degree in criminal justice, you will gain an in-depth understanding of criminal behavior and its impact on society; examine how police, courts, corrections and the U.S. Department of Homeland Security work to prevent and control adult and juvenile crime locally, nationally and internationally; and apply insight and analysis from various disciplines to help detect, prevent, solve and prosecute crime.

    Information Systems

    A Strayer BSIS degree prepares you to deliver successful computer information systems projects for government or businesses. We combine the study of today’s computer information systems challenges and emerging technologies with hands-on application of the latest technical standards.

    Information Technology

    A Strayer bachelor’s degree in information technology delves deeply into programming languages and database development, but it also provides crucial communication skills. Many of our courses are lab-based, allowing you hands-on access to the very tools you’ll be using on the job.


    Our RN to BSN Completion Program allows students to apply their critical thinking, clinical reasoning and decision making skills to improve patient safety and quality of care through communication and accountability. Students will be able to demonstrate exceptional customer service within the nursing profession through professional competence and ethical behaviors. Students will use analytical reasoning to enhance their nursing practice through evidence-based research and practice.

    Master’s Degrees


    A Strayer master’s degree in accounting helps you apply theoretical constructs to domestic and global business operations, relevant economic theory to business problems and accounting principles to the business decision-making process.

    Business Administration

    A Strayer master’s degree in business administration helps you build your leadership skills in the business area of your choice. Each one of our business management majors will help you sharpen your skills in strategic analysis, learn how to build functional business areas to achieve organizational goals, develop your own leadership style and understand today’s complex and globally intertwined business environment.

    Digital Entrepreneurship

    In collaboration with Cheddar CEO Jon Steinberg, founder of the on-demand video news network, Strayer’s Digital Entrepreneurship MBA puts you on the front lines of how business is done in the 21st century. Designed exclusively for tomorrow’s digital leaders and trendsetters, this 12-course* MBA program covers four key areas: Leadership; Entrepreneurship; Marketing/Branding and Finance/Accounting.


    In a time of challenge and opportunity for education and training, Strayer’s education degree program helps you find innovative and workable solutions to relevant educational challenges. You’ll develop skills to evaluate transformational concepts and technologies; conduct meaningful assessments and develop curricula that meet a wide range of learning objectives.

    Health Services Administration

    Health services administration graduates are charting the future of human health and bringing cutting-edge technology to the treatment and eradication of disease.

    Human Resource Management

    From understanding the strategic role of HR to the core functions of total rewards, talent management, organizational development, HR information systems, and employee and labor relations, your human resource management degree will help you craft policies that get results.

    Information Assurance

    Our information assurance degree allows you to develop your cyber security management skills while preparing to take your Certified Information Systems Security Professional (CISSP) exam. That can help save you time and money.

    Information Systems

    Learn to design, implement, and manage systems with portability, scalability and interoperability. Strengthen your planning and communication skills, and deepen your awareness of business functions and technical operations. Empower yourself for a successful career in this rapidly growing field.


    At Strayer, our management degree allows you to explore theories and applications of strategic management and leadership, while deepening your business expertise. Coursework emphasizes leadership, diversity, communication, team building, ethics and strategy. Strengthen your skills and prepare to enhance your career as a manager.


    The 21st-century healthcare environment needs nurses with advanced training to help lead improvements and change. Strayer’s MSN degree prepares you to become a nurse leader; you’ll learn:

    • Leadership and management principles, theories, and interdisciplinary collaboration to promote the improvement of patient outcomes
    • How to critically appraise and assimilate evidence into advanced nursing practice roles to enhance patient safety and facilitate process improvement
    • Various technology mediums and informatics platforms to facilitate the delivery, coordination, and improvement of patient care
    • How to apply evidence-based theory, education, and practice to improve and enhance healthcare quality for individuals, families, and communities

    Public Administration

    The Strayer master of public administration degree enables you to channel your energy for your cause into effective, skilled action, whether that means working for citizens, providing aid at home or abroad or connecting resources to improve people’s lives.

    Jack Welch Management Institute

    Executive MBA

    The Jack Welch Executive MBA delivers all the fundamentals, layering in theory from thought leaders around the world and the latest business practices. Add that to a program guided by Jack Welch’s singular presence, his insight into the current business landscape and his passionate emphasis on people management, and you have an MBA like no other.

    Executive Certificate

    Shorter in length and more intensely focused than the Executive MBA, JWMI’s Executive Certificates allow working professionals to swiftly broaden their perspectives, add to and upgrade their skills, and obtain the kind of cutting-edge education that will allow them to tackle today’s most urgent business challenges.

    Unwanted Pests and How to Kill Them #diy #insect #repellent,bugs,ants,roaches,fleas,home #remedies #for


    Unwanted Pests and How to Kill Them

    Most people would prefer not to share their homes with invaders who don’t chip in on the rent. We’re talking about insects. They like to travel in groups, eat and poo in the same spot, and reproduce like it’s 1999.

    Oh. No. Ants, roaches, fleas, and the like have got to go. Since you probably don’t have the time to crush them under your shoe or thumb, you need a solution. Learn how give them the boot without using any toxic chemicals. Try these DIY bug-zapping recipes below to save your wallet and home from the pesky intruders.


    Yeah they’re tiny and virtually harmless, but when ants start marching through your kitchen like they own the place, it’s a problem. Depending on your preference, you can either kill them or repel them.

    Ant Repellents

    • Lemon juice: Spray or squirt lemon where ants enter (walls, cracks, etc.), and the scent will deter them.
    • Chalk: Sounds funny, but people claim that by drawing chalk lines at entry points, ants won’t cross the path. The calcium in it acts as a repellent, and gardeners tout chalk powder for its effectiveness, too.
    • Cinnamon and clove: One of Granny’s faves. Combine these two powders together and sprinkle around the house to keep ants away.
    • Cornmeal: Using cornmeal indoors or outdoors is known to get rid of ants and their nests.
    • White vinegar : Spray a solution of ½ water, ½ vinegar where they hang out and the smell will drive them away.

    Ant Killers

    • Borax: Mixed with sugar, water, and dish soap into a spray. this recipe is a disaster for ants. You can also make borax bombs by dipping a cotton ball into a solution of borax and sugar and setting them out.
    • Red pepper: Cayenne powder blasted into cracks, anthills, or any other spot will kill them.
    • Honey traps: Watch the video below by Sicilian Prince to see how to whoop ant butts with honey. Seriously.


    They bite your pets, but they bite people, too. Ugh. To get rid of the tiny vampires, try these methods.

    • Borax: This versatile powder can be sprinkled on surfaces to kill and deter fleas, but be careful about using it near your pets and children. Leave it on the floors for 12 to 48 hours before vacuuming it up.
    • Rosemary: Steep 1 to 2 cups of fresh rosemary leaves in boiling water; after it’s cooled, mix with your pet’s bath water for a flea dip. Allow your pet to air dry.
    • Apple cider vinegar: Add a capful to your pet’s drinking water daily; fleas don’t like the taste of sour blood.
    • Dish soap: Used as either a bath shampoo or trap, dish soap kills fleas. To make a trap, get 1 shallow dish (or more) and fill it with warm water. Add a few drops of dish soap and place on the floor, close to light.


    Everyone’s favorite immortal creature – the roach – can be defeated with the right tools.

    L0nd0ner via Pixabay

    • Diatomaceous earth: Great for getting rid of fleas too, FOOD GRADE diatomaceous earth placed around the house will dehydrate the bugs from the inside out. Another bonus? It s harmless to pets.
    • Baking soda : Mix it with powdered sugar to lure them into a digestive death trap. Once ingested, their guts disintegrate.
    • Borax: You can’t go wrong with this one: 3 parts borax to 1 part sugar. Sprinkle in cracks, crevices, cabinets or floors. It has the same effect as the baking soda cocktail.

    Though using Borax is very effective, you want to be careful about pets and kids inhaling or ingesting the loose powder. For more serious bug infestations, longer application periods for these remedies may be needed, or you may decide to hire a professional exterminator.

    Be sure to watch this video from Sicilian Prince to learn how to make that ant-killing honey trap!

    Do you know of any other home remedies for ants, fleas, or roaches? Which ones have worked the best for your home? Tell us in the comments!