Monthly Archives: January 2018

Partnership Agreement – Free Legal Form, business partnership agreement.#Business #partnership #agreement


PARTNERSHIP AGREEMENT

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This PARTNERSHIP AGREEMENT is made on ____________, 20__ between ________________________________ and ________________________________.

1. NAME AND BUSINESS. The parties hereby form a partnership under the name of ________________________________ to conduct a ________________________________. The principal office of the business shall be in _______________________.

2. TERM. The partnership shall begin on ________________, 20____, and shall continue until terminated as herein provided.

3. CAPITAL. The capital of the partnership shall be contributed in cash by the partners as follows: A separate capital account shall be maintained for each partner. Neither partner shall withdraw any part of his capital account. Upon the demand of either partner, the capital accounts of the partners shall be maintained at all times in the proportions in which the partners share in the profits and losses of the partnership.

4. PROFIT AND LOSS. The net profits of the partnership shall be divided equally between the partners and the net losses shall be borne equally by them. A separate income account shall be maintained for each partner. Partnership profits and losses shall be charged or credited to the separate income account of each partner. If a partner has no credit balance in his income account, losses shall be charged to his capital account.

5. SALARIES AND DRAWINGS. Neither partner shall receive any salary for services rendered to the partnership. Each partner may, from time to time, withdraw the credit balance in his income account.

6. INTEREST. No interest shall be paid on the initial contributions to the capital of the partnership or on any subsequent contributions of capital.

7. MANAGEMENT DUTIES AND RESTRICTIONS. The partners shall have equal rights in the management of the partnership business, and each partner shall devote his entire time to the conduct of the business. Without the consent of the other partner neither partner shall on behalf of the partnership borrow or lend money, or make, deliver, or accept any commercial paper, or execute any mortgage, security agreement, bond, or lease, or purchase or contract to purchase, or sell or contract to sell any property for or of the partnership other than the type of property bought and sold in the regular course of its business.

8. BANKING. All funds of the partnership shall be deposited in its name in such checking account or accounts as shall be designated by the partners. All withdrawals are to be made upon checks signed by either partner.

9. BOOKS. The partnership books shall be maintained at the principal office of the partnership, and each partner shall at all times have access thereto. The books shall be kept on a fiscal year basis, commencing _____________________ and ending _____________________, and shall be closed and balanced at the end of each fiscal year. An audit shall be made as of the closing date.

10. VOLUNTARY TERMINATION. The partnership may be dissolved at any time by agreement of the partners, in which event the partners shall proceed with reasonable promptness to liquidate the business of the partnership. The partnership name shall be sold with the other assets of the business. The assets of the partnership business shall be used and distributed in the following order: (a) to pay or provide for the payment of all partnership liabilities and liquidating expenses and obligations; (b) to equalize the income accounts of the partners; (c) to discharge the balance of the income accounts of the partners; (d) to equalize the capital accounts of the partners; and (e) to discharge the balance of the capital accounts of the partners.

11. DEATH. Upon the death of either partner, the surviving partner shall have the right either to purchase the interest of the decedent in the partnership or to terminate and liquidate the partnership business. If the surviving partner elects to purchase the decedent’s interest, he shall serve notice in writing of such election, within three months after the death of the decedent, upon the executor or administrator of the decedent, or, if at the time of such election no legal representative has been appointed, upon any one of the known legal heirs of the decedent at the last-known address of such heir. (a) If the surviving partner elects to purchase the interest of the decedent in the partnership, the purchase price shall be equal to the decedent’s capital account as at the date of his death plus the decedent’s income account as at the end of the prior fiscal year, increased by his share of partnership profits or decreased by his share of partnership losses for the period from the beginning of the fiscal year in which his death occurred until the end of the calendar month in which his death occurred, and decreased by withdrawals charged to his income account during such period. No allowance shall be made for goodwill, trade name, patents, or other intangible assets, except as those assets have been reflected on the partnership books immediately prior to the decedent’s death; but the survivor shall nevertheless be entitled to use the trade name of the partnership. (b) Except as herein otherwise stated, the procedure as to liquidation and distribution of the assets of the partnership business shall be the same as stated in paragraph 10 with reference to voluntary termination.

12. ARBITRATION. Any controversy or claim arising out of or relating to this Agreement, or the breach hereof, shall be settled by arbitration in accordance with the rules, then obtaining, of the American Arbitration Association, and judgment upon the award rendered may be entered in any court having jurisdiction thereof.

Executed this ______________ day of _________________, 20_____ in _____________________ [city], _____________________ [state].




Getting A Small Business Loan With Bad Credit – Secured Loans Against 401K, getting a small business loan.#Getting #a #small #business #loan


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Trump tax cuts: Lower rates for individuals and businesses – Apr, new businesses.#New #businesses


Trump calls for dramatic tax cuts for individuals and businesses

New businesses

The Trump administration has finally outlined its new tax proposal, which leans heavily on tax cuts.

So far, President Trump wants to slash individual tax rates — cutting the top rate from 39.6% to 35% — and reduce the number of total rates from seven to three. He also wants to cut the top tax rate for all businesses to 15%, far below the current top rates.

The administration’s tax outline still leaves many questions unanswered and will be met with a lot of skepticism among lawmakers, even though Republicans control Congress. In fact, some GOP aides suggest that the White House — with its emphasis on tax cuts and too few details on how they’d be paid for — is not constructively contributing to a serious discussion of tax reform.

“It’s not tax reform,” one senior GOP aide told CNN. “Not even close.”

Here’s what we know so far about the president’s tax proposal.

Lower individual income tax rates: The proposal calls for reducing the number of tax brackets from seven to three for individuals, which would be set at 10%, 25% and 35%. Today’s rates are 10%, 15%, 25%, 28%, 33%, 35% and 39.6%.

But here’s the thing: The White House has yet to specify how much of one’s income would apply to each of the three rates that Trump is proposing. So it’s impossible to say what the change would mean in dollars and cents for anyone.

During the campaign, Trump had originally called for those rates to be 10% 20% and 25%. He later amended his plan, calling for somewhat higher rates to match what House Republicans have been calling for: 12%, 25% and 33%.

The proposal also calls for doubling the standard deduction.

Treasury Secretary Steven Mnuchin said Wednesday morning that the new tax proposal will offer “the biggest tax cut and the largest tax reform in the history of this country.” Without greater detail from the White House, that’s impossible to verify.

Much lower business rates: Trump wants to slash the top tax rate for all businesses to 15%, as he proposed during the campaign. That’s well below the top rate of 35% for corporations today, although the real top rate they pay is less after tax breaks.

A drop to 15% would also be a huge drop from the 39.6% top rate paid by owners and shareholders of so-called pass-through businesses. Those run the gamut from mom-and-pop shops to law firms and hedge funds. In a pass-through business, the owners and shareholders report profits on their personal tax returns.

One-time tax on overseas profits: The president will call for a low, one-time tax on the $2.6 trillion of profits that were earned overseas by U.S. multinational corporations and were technically never brought back to the United States.

Switch to a territorial tax system: Today, U.S. companies must pay tax on all their profits, regardless of where in the world those profits are earned.

Trump now joins Republicans who want to switch to a territorial system for businesses. That would mean U.S. companies would only owe U.S. tax on what they earn in the United States.

No border adjustment tax as proposed: Trump is not expected to back a controversial provision known as the border adjustment tax that was proposed by House Republicans.

“We don’t think it works in its current form, and we will have discussions with [House tax writers] about revisions,” Mnuchin said Wednesday morning at an event held by The Hill.

A border adjustment tax would fundamentally alter how imports and exports are taxed. Under the House plan, companies could no longer deduct the cost of their imported goods, and sales of their exports would no longer be subject to U.S. tax.

Such a provision could raise more than $1 trillion over a decade, which the House GOP was counting on to help offset the cost of their proposed rate cuts.

Trump has been a proponent of a selective import tax — and has suggested he might favor a “reciprocal” tax. But he has yet to explain what that means.

Tax break for child care costs: An outline of the plan calls for tax relief for child care costs, but doesn’t give much detail.

During the campaign, Trump called for two tax breaks to help ease families’ child care costs. One would let parents deduct the average cost of child care in their state, based on their child’s age.

The other would give a tax break to anyone who sets aside up to $2,000 a year to cover costs associated with child care and elder care.

The contributions would be tax deductible, then grow tax free.

Tax and child care policy experts have said both breaks, as proposed, would disproportionately benefit wealthier families. And in the case of millions of low- and middle-income families, the breaks could raise their tax burden when combined with Trump’s other proposals to eliminate head of household status, repeal personal exemptions and raise the lowest income tax rate to 12% from 10% currently.

Eliminate most deductions: Trump is now aligning himself with House Republicans, by calling for the elimination of all deductions except those for mortgage interest and charitable contributions.

Originally he’d called for a cap on itemized deductions.

Repeal a string of taxes: As he did during the election, Trump will call for the repeal of the Alternative Minimum Tax, the estate tax and the 3.8% Medicare surtax that applies to wages and investments above a certain level.

CNN’s Jeff Zeleny, Jim Acosta and Phil Mattingly contributed to this report




How to Apply for Women and Minority Owned Business Grants, minority business grants.#Minority #business #grants


How to Apply for Women and Minority Owned Business Grants

Minority business grants

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Women and visible minorities who own their own businesses may be eligible for a variety of grants. Learn how to find them and apply for them.

Women and visible minorities can take advantage of grants offered by private institutions and, less often, government agencies. The key to winning a grant is ensuring that your business goals are aligned with the purpose of the grant and that you submit a professional application. With a bit of study and practice, however, you can gain confidence and hone your grant-writing skills, allowing you to tap into the resources of organizations that promote female and minority entrepreneurship.

Select specific grant programs that match your business and personal situation. Take note of each granting organization’s name and contact information, and compile a list of all grants for which you are eligible. Select a range of options – grants for women only, minorities only or both – if you are both a woman and a part of a minority group; this will give you a wider range of possibilities. Begin your search at Grants.gov for federal funding, and SRA International or Business Owners’ Idea Cafe for private funding sources (see Resources).

Research the granting organization thoroughly. Visit its website and read any news articles or press releases related to the organization. Look into the types of organizations and projects that the organization funds, and research specific grant-winners, if possible. Focus on the exact purpose of the awarded grants. Grants may be awarded purely to promote female and minority entrepreneurship, for example, or they may be granted to organizations whose programs directly benefit women and minorities in general.

Contact the granting organization and ask for guidance in preparing your grant proposal. Ask a representative to speak with you about the grant proposal process, explaining such things as preferred submission formats and length, the organization’s specific areas of interest and any other grant opportunities for women and minorities that may be available. Keep your new contact’s name and information as you did with the notes you took in step one.

Create your grant proposal. The proposal should include a description of your organization, including its mission and product offerings, and a needs assessment that clearly explains the need your company serves. Focus specifically on how your organization will promote the goals of the organization that offers the grant.

Create a thorough description of your products, services and business model, and include it in your grant proposal. Add a budget, projected financial statements and a detailed summary of how you plan to spend the grant money. End the proposal with professional biographies of yourself and your top-management team. List the names of any women or minority associations or groups of which you are a member.

Create an executive summary after all other sections are done and place it at the beginning of the grant proposal document.

Submit your grant proposal to your contact or designated recipient in the granting organization. Follow all format and submission instructions when sending in your proposal, and include a brief cover letter introducing yourself and your company, while thanking the grant reviewers for their time.

Ask your contact in the granting organization if members of the grant proposal review committee would be willing to look over your proposal and provide feedback before the submission deadline. It never hurts to ask, and this could provide invaluable insight and increase your chances of receiving a grant.




Getting Grants For Business Startups – A Complete Guide – Government Grants – How To Apply – Get Them, minority small business grants.#Minority #small #business #grants


Getting Grants For Business Startups A Complete Guide

Starting a business requires seed money for start-up costs, equipment purchases and materials, rental of office or building space or purchase of land, business fees, salaries and other operating costs. Business expansion also requires on-going funds. Raising capital is hard these days because banks have tight lending requirements, venture capitalist money is harder to find and many entrepreneurs are having to use their own personal savings funds or ask friends or relatives to invest. What many business owners are not aware of is that there are millions of dollars available in business start-up grants from the federal, state, municipal and private organizations and corporations that can be used for start-up capital purposes. The government alone has 26 federal agencies that deal with grant opportunities. Programs offer funds for business start-up, consultation, business expansion, research, development and small loans so that businesses of all types and sizes can compete. The government recognizes the value of new business start-ups wants to give grants to start a business to a variety of businesses.

The Department of Agriculture sponsors grants through the Broadband Initiatives Program which helps companies build broadband infrastructures in rural areas with less than 20,000 residences. Private businesses, excluding sole proprietorships, partnerships and limited liability companies, are eligible for this type of grant by applying to the Broadband Initiatives Program, Rural Utilities Service, Department of Agriculture, 1400 Independence Avenue SW, Stop 1599, Washington, D.C. 20250 or calling them at 202-690-0525. For more information, grantees can go to the broadbandusa.gov website.

The Department of Health and Human Services sponsors grants for research regarding vision loss in the United States. Grants can be used for research, travel expenses, consultation fees, patient costs, supplies, materials, salaries and facility renovations. Small businesses and for profit companies are also eligible to apply for this grant by writing to Grants Management Branch, National Eye Institute, National Institutes of Health, Department of Health and Human Services

Room 1300,5635 Fishers Lane, Bethesda, MD 20892-1900, or calling them at 301-451-2020 or visiting their website at nei.nih.gov.

The Homeland Security Advanced Research Projects Agency provides grants for businesses regarding research and development of science and technology products and services that promote homeland security. The funds may be used to test, develop, and use of technologies to solve homeland security vulnerabilities. Eligible applicants include private entities, businesses, individuals, groups and for-profit organization. For more information, grantees can apply to the Grants and Financial Assistance Division, Office of Procurement Operations, Department of Homeland Security, Building 410, 245 Murray Lane SW, Washington, District of Columbia 20528, or call them at 202-447-5589 or visit their website at dhs.gov.

Small Business Administration

The Small Business Administration provides grants and loans for businesses for research, development, job training and technology. Grants and loans are also available to minorities such as women, African Americans and Hispanic Americans. For more information, applicants can visit the Small business Administration website.

States and Municipalities

States and local municipalities get grant money from the federal government and then give it to local and regional businesses for various start-up costs, business expansion, job training and technology to compete with other larger businesses and to develop new ideas and technology.

Private organizations and corporations also provide grant monies that they receive from government grants or private donors to enable businesses to do research and development, provide jobs and training.

Grant money is free and does not have to be repaid to the funder like loans do. However, there may be requirements that the grantee must meet, and the grantee may be subject to reporting requirements as well. Business start-up grants provide the needed funds for businesses to grow and expand and for new businesses to start so that jobs can be created and new technologies and services developed that provide benefits to the entire community and the country.




Amway heir Dick and Betsy DeVos move into sprawling 22, 000-square-foot mansion, family business.#Family #business


Amway heir Dick and Betsy DeVos move into sprawling 22,000-square-foot mansion

HOLLAND — Amway heir Dick DeVos and his wife, Betsy DeVos, moved into their new digs over Labor Day weekend.

For months, cars have slowed along South Shore Drive as gawkers have followed the construction of the DeVos home, the biggest house in Holland, if not Ottawa County.

“We are very excited with it,” said Betsy DeVos, who grew up in Holland as the daughter of the late industrialist Edgar Prince. Her mother, Elsa Prince-Broekhuizen, owns a home a few doors down.

“As our family is continuing to grow, our hope is that it will be a gathering place for many generations,” she said.

Their three-story vacation home sets a new standard for size and grandeur among the other million-dollar-plus mansions that line Lake Macatawa, a popular spot with access to Lake Michigan.

The stone and shingle house has 22,000 square feet of space. But if that’s not enough room, there’s a 6,200-square-foot guest house, plus a large infinity pool with a 700-square-foot pool house and three garages, according to city records.

THE DEVOS PROPOERTY: BEFORE & AFTER

PREVIOUS HOME ON THE SITE:

Owner: Richard and Helen DeVos

Main house: 12,000 square feet

Guest house: 1,100 square feet

Owner: Dick and Betsy DeVos

Main house: 22,000 square feet

Bathrooms: 5 full and 5 half-baths

Guest house: 6,000 square feet

Value: Still being assessed; building permits over $3 million

A long dock is all that remains of 1025 South Shore Drive from the days when DeVos’ dad, billionaire and Amway co-founder Richard DeVos, owned his summer spot there. For more than 25 years, the 12,000-square-foot home — with an 1,100-square-foot guest house — was the biggest house in Holland.

The DeVoses bought the property after Rich DeVos put the house on the market for $4.5 million in 2007.

The younger DeVos wanted to keep it in the family for future generations. The elder DeVos moved nearby to Park Township, where he bought $6.2 million home overlooking Lake Michigan, close to daughter Cheri VanderWeide and her family.

So how much is Holland’s biggest home worth?

The family paid a summer tax bill of more than $123,000 for the non-homestead property assessed during its construction at nearly $2.2 million. So far, building permits added up to about $3 million.

But real estate broker Andrea Crossman, who sells high-end waterfront property, said the mansion looks to be easily worth $10 million, possibly more.

Although some have complained the house dwarfs the other mansions along the Holland waterfront, Crossman said the property won’t hurt housing values in this tony neighborhood.

The home’s architect is the Grand Rapids firm Via Design, which oversaw renovation of downtown’s River City Building next to the DeVos Place Convention Center. That building houses offices of the holding company for the Dick DeVos family investments.

Construction was handled by Scott Christopher Homes, a Grand Rapids firm known for its high-end residential construction.

But the house isn’t exactly as envisioned. The city nixed requests to construct a view-obstructing 10-foot-high stone fence, permitting only three feet high, or to raise the pool house roof to 22-feet height instead of the allowed 12 feet.

The house features just three bedrooms along with 10 bathrooms, three kitchens, eight dishwashers, 13 porches and an elevator, according to city records.

While the city inspectors gave the family permission to occupy the main house recently, the guest house isn’t completed and minor work needs to be done before a full occupancy permit will be issued.

Inspecting the home took a few hours, said Tony Meyaard, a property appraiser in the city Assessors Office.

Meyaard declined to go into specifics about the home’s interior out of respect for the owners.

“It’s very, very nice,” Meyaard said. “I would like to live there.”




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Canadian Government Grants & Loans – Small Business Financing, small business grants.#Small #business #grants


Try the Grant Finder Search Engine

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The recipients in these stories took the first step and contacted our Centre to learn about their funding options. Although we cannot guarantee you will get funding, the more you know about others experiences the better your chances.

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Find out if you may be eligible for funding

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Still not sure where to start? Our in-house group of experts can help. Give us a call or fill out the form below to begin.

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Business News, The Chronicle Herald, business development.#Business #development


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COMMENTARY: Save protected areas from mining

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Lunenburg native wins Startup Canada’s Young Entrepreneur Award

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Blueberry growers face price crisis

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How Canada turned to Mexico to fend off TPP pressure from Japan, Australia

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VIDEO: Canada’s decision to decline TPP agreement shouldn’t have been surprise: Trudeau

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Asia-Pacific forum sticks to free-trade gospel despite Trump

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US cities, states defy Trump, still back Paris climate deal

Newcap Radio buys two New Glasgow stations

BUSINESS BOOKSHELF: The Power of Trust

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Weinstein’s Impact: List of men accused of sexual misconduct

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Crocs, Dawgs decade-long legal battle over clogs moves to Canadian courts

Most actively traded companies on the TSX

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Sherritt to transfer part ownership of Madagascar mine to settled debt woes

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Cominar looking for Sears replacements after toiling to fill Target locations

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Ottawa’s plan for excise tax on medical marijuana draws ire of patients, producers

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Trudeau embrace of TPP could hurt tough NAFTA talks with Trump: experts

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Alberta puts up $40M to help workers transition during coal-power phase-out

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Raised Business Cards Printing, creative business cards.#Creative #business #cards


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Bring important details to life by choosing our raised business cards to sell your story. Similar to the embossed printing process, raised business cards are a tactile experience and can be felt when touched. The trace of the embossed printing process feels softer to the skin, whereas the raised printing process is a little coarser in texture.

Particularly effective when used for logo’s or brand images, raised business cards employ a printing process where pictures or texts are solidified with pine extracts.

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Chic and sleek, these cards make a bold statement with their impressive raised finish. Using a pine extract placed on top of lettering or images, the finest parts of your card are raised to the surface with elegance and panache.

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  • Canadian Business – Your Source For Business News – Your source for market news, investing, technology, economy and Canadian industry, business signs.#Business #signs


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

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

    Business signs

    Innovation

    Here’s why we shouldn’t fear artificial intelligence

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

    Business signs

    PROFIT 500

    How to turn social media engagement into real sales

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

    Business signs

    Best Managed Companies

    Canada’s Best Managed Companies 2017

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

    Business signs

    Best Jobs

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

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

    Business signs

    Best Managed Companies

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

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

    Business signs

    Rankings

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    Subscribe to Canadian Business – Your Source For Business News newsletters




    International Automotive Technicians Network, international business jobs.#International #business #jobs


    iATN Member Benefits

    Since 1995, automotive professionals have enjoyed the benefits of iATN membership.

    Learn from your peers in our interactive environment, by asking questions and searching millions of real-world discussions and repairs. Discover how to work more efficiently, and study best practices illustrated by fellow industry professionals. Get the most out of your diagnostic equipment, and transport your career to the next level.

    The following overview will help to further illustrate what’s inside iATN, for those that are qualified to join: automotive pros with at least four years of experience or ASE certification.

    TechHelp

    International business jobs

    iATN TechHelp is the heart of our network. This is where thousands of automotive technicians from all over the world exchange information and ideas, 24 hours a day. The system provides a structured way to receive help for free, in exchange for offering your own help in return.

    Knowledge Base

    International business jobs

    • Searchable automotive repair knowledge: Our FIX Database of hundreds of thousands of real-world vehicle fixes, our Forum Archives, consisting of millions of iATN web forum discussions, our Waveform Library containing thousands of waveforms, scandata, component photos, documents, and more.

    read more.

    Forums

    International business jobs

    Here you will talk with other automotive professionals on a variety of specific automotive topics, including not only the technical side of repairing vehicles, but also industry issues, shop management, automotive education, and more. Over 20 different web forums available.

    Resources

    International business jobs

    Members have access to a wide array of technical information published on iATN from many of the OEMs, government resources and industry heavy-weights. Information ranges from manufacturer-specific information, to government regulations and useful online tools.

    My iATN

    International business jobs

    Members use “My iATN” to instantly save, categorize, sort, locate, and share their favorite items on iATN. When performing research on iATN, they save the most pertinent results under a single label specific to their customer’s vehicle or topic, and easily refer to it later to complete the job.

    Marketplace

    International business jobs

    Marketplace includes the Classifieds Forum, for job-offered or job-wanted ads, and non-commercial automotive items for sale; the Industry Events Forum, to announce or discuss training classes, seminars, conventions, and more; and iATN members-only discounts.

    International business jobs

    You will find live conferencing rooms on iATN 24 hours a day, so that you may easily chat with your fellow iATN members. Unlike most other anonymous chat rooms on the internet, ours is only available to the automotive professionals on iATN.

    Pricing

    International business jobs

    iATN membership is available for FREE for those that are qualified to join. This basic membership provides all of the core features of iATN. To get the most out of iATN, we recommend one of the paid account options detailed in our comparison chart.

    September 6, 2017 iATN has created a new Disaster Recovery Forum to assist members in need. Read more here.




    How to Get a Business Loan, getting a small business loan.#Getting #a #small #business #loan


    How to Get a Business Loan

    Getting a small business loan

    Sooner or later most small businesses need to know how to get a business loan, whether to get the operating capital for business startup or to finance an expansion. But whether you re approaching a bank or a friend for a business loan the lender will have the same expectations.

    You can greatly increase your chances of successfully securing a loan by being prepared to meet those expectations.

    Put yourself on the other side of the desk for a moment.

    If someone asked you for a small business loan, you d want to know exactly why he or she wanted the money and what the chances were that he or she would repay the loan in full and on time.

    The key to getting a loan is preparation. First, gather together the documents that will help persuade the lender that a business loan is necessary and that you are a good risk.

    Documents Needed

    • A business plan – The business plan shows the lender not only why you want a small business loan but what you plan to do with the money. Don t have one yet? Here s a simple business plan template you can use.
    • Cash flow projections – What s the first question any lender has? Will you be able to repay the loan? Your business s cash flow projections give lenders concrete financial data that they can use to assess this risk.
    • A statement of your personal financial status – A list of your personal assets and debts to give the lender a fuller financial picture.

      You may also need these documents:

      • Past business tax returns – If your business is established and you have past business tax returns, it s a good idea to take them with you. They ll give the lender a better idea of how your business is doing financially.
      • A credit rating report – Basically, you establish a credit rating by buying things on credit and paying back the money you owe. Your loan repayment history plays a big part in establishing your credit rating, but all your credit dealings make up the history that s used to determine your credit rating.

      It s not necessary that you include a credit report with your small business loan application; it s easy enough for potential lenders to check your credit rating. But if you don t know what your credit rating is or suspect your credit rating is tarnished, you may want to get one.

      In the U.S., you can get a free credit report once a year through the website AnnualCreditReport.com. For more information, see How to Get a Free Credit Report.

      In Canada, you can get a free credit report by contacting one of the two credit reporting agencies, TransUnion or EquiFax Canada. To receive your free credit report you will need to mail or fax one of these companies a request along with copies of two pieces of I.D. Note that you will not be able to get a free credit report through the website of either company; you will be charged a fee for an online report. CreditKarma provides free online credit reports through much of Canada.

      The credit report you receive will include information on what to do if you find errors in the report. If you have a poor credit rating, you will want to take steps to repair your credit rating before trying to get a business loan.

      Making the Presentation to the Lender

      The next step in how to get a business loan is to persuade the lender that your business is viable and you are a good credit risk.

      You need to prepare in advance to make a winning loan presentation.

      Start by considering the lender s point of view. You want money. But he or she is most interested in the answers to these two questions: What are you going to do with the money? and Are you a good risk? , and to make a successful business loan presentation, you need to come up with the right answers to these two questions.

      Answering the first question means being fully conversant with all the details of your business plan and being able to point to the relevant financial statements, charts or graphs that will help convince the lender that you need the amount of money you re asking for to do what you want to do.

      Answering the second question means having already given some thought to the credit risk you represent to the lender and being ready to address their concerns.




      Work at Home Jobs: Free legitimate Opportunities to work, home business opportunities.#Home #business #opportunities


      How I earned $8,486 Online With No Job!

      Click Here To Learn This FREE Method!

      Chances are you’ve probably watched a couple of youtube videos online. And if you haven’t you’ve definitely watched TV. With that said, have you ever thought about how much video you consume? Now imagine if you were paid for all the videos or TV shows you watched. Well you can!

      Click here to watch a short video thats shows you how to do this! You’ll be able to start today and earn a few bucks instantly and it won’t cost you a dime!

      New Work At Home Jobs

      Pay Up to $75/hr. Nationwide placement.

      Check availability now.

      Earn up to $20 per hour today. Daily payments! Start Now!

      Don’t expect easy money, but you might be able to work at home today!

      Realistically Earn up to $50 per hour!

      You won’t get rich, but can earn $500-$1000 Monthly!

      • The advertisers above keep this site free & food on my table.
      • But their inclusion on this site IS NOT a personal endorsement!
      • Always do your research using our Scam Video.

      Home Employment Articles

      Looking for A Typing or Data Entry Work At Home Job?

      Have you been spending hours upon hours searching through job boards for a legit work at home typing or data entry job but keep running into jokers asking you for money to work for them? Shouldn’t it be the other way around? After all that’s usually how a job works. Well if you’re fed up with the scam artist lying to you, you should read the following article to discover companies ready to hire you for typing and data entry. Don’t worry, it won’t cost you a dime. And to help you further, I’ll also reveal a way to make money at home that will pay you more than you’ve ever earned with a job if you’re interested.

      If You Don t Work For This Company, You ll Kick Yourself Later!

      A while ago, I argued the best company for me isn t necessarily the best company for you. I still stand by that statement. But many of you have been pounding at my email door and practically twisting my arm asking me for my personal favorite legitimate work at home companies. I was apprehensive about revealing this information because I really want you guys to take action on any legitimate work at home opportunities. But after giving it some thought, it made sense for me to provide you with a few of the ones I do actively work with, to get your started. But keep in mind I still believe that you should make decisions based on what’s best for you. So with that said, check out my latest video on one of my favorite BBB listed work at home companies. I ve been working with this company for years and have made some great money and also acquired a lot of free gadgets such as TVs, Ipods, and much more. (The gadget thing will become a lot clearer when you watch the video.) In either case this company has consistently made me money and has a good standing among work at home seekers that are smart enough to join the company and take advantage of all the ways to earn with them. Hopefully you ll enjoy the video and will decide to join the company I ve recommended.

      What s The Best Work At Home Company?

      I know that question has been on your mind since the day you started looking for work from home. There are just so many so called work at home opportunities out there, that it’s mind boggling! Some of the companies are great and others are just scum of the earth trying to steal your wallet! So would you like me to put you out your misery and reveal what the best legitimate work at home company is? I was struggling with the decision of whether or not to share this valuable informaton. Afterall It’s took me about 10+ years to figure out. But I think I’m finally ready to come clean. Trust me when I say you’ll be shocked.

      Can You Tell Which Company or Website Is A Scam?

      I receive at least 2 emails a day asking me for my expert opinion on a given company or website. Is so and so a legitimate company? Should I pay $49.95 to work with DataEntryBlahBlah.com? Honestly I’m not that much of an expert. I just know how to do a little research. If you’re currently thinking about joining a work at home company and a fee is one of the requirements, put your wallet or purse down. Before you make a decision that you might regret, watch the video we created. By the end of watching this video, you’ll never question whether or a not a company is a scam. You’ll know with certainty if it is!

      Rebate Processor Jobs, Scam or Work At Home Miracle?

      Suppose I was to tell you that I would pay you up to $15 to process rebates from various products and companies. I would send you a list, you proces the rebates and you get paid twice a month. All you need is a computer, internet access and our training program. Would you be interested? Chances are you would be! I know I would be too! Lucky for you that I stumbled across some crazy back door information about the rebate processors position that’s going to knock your socks off. Trust me when I say you’ll be so thankful that I go to the bottom of this opportunity.

      Work From Home Jobs For The Disabled

      People with disabilities often face many challenges in their regular every day lives. The things we all take for granted the disabled struggle with everyday. One of the biggest obstacles the disabled job seeker faces is locating work from home jobs. Actually it’s an obstacle we all have but the disabled are way more disadvantaged in this respect. So are there work at home options available to people with disabilities? We explored this very question and came up with some interesting findings.

      Should You Trust The Better Business Bureau (BBB) Reports On Work At Home & Scams?

      If you’ve been searching for work from home more than a minute you know how much crap is out there. You know that everything that glitters isn’t gold! You already know that most work at home opportunities want to take your money and not help you make it! We’ve all been taught to be skeptical of work at home opportunities and to trust the BBB for insight. But have we been lied to? The answer may shock you.

      Discover How I Work At Home Typing & You Can Too!

      Finding a legitimate work at home typing job is a full time career! You search high and low and all you find is people asking you for money that you’re trying to make, not give away! Well I’d like to share my story of how I secured my very first and only legitimate work from home typing job. I’m sure after you read it, it will help you secure one too!

      How I Made $150 In Less Than An Hour & You Can Too!

      I already know what you re thinking when you read that title, Here comes another one of those get rich quick scams. I don t blame you. Most titles that begin the way tend to lead to some ebook or sales page. But what I m about to reveal to you is totally legitimate and involves nothing more than speaking your mind. No I haven t lost mine! Just be patient.

      Home Typist Jobs, A New Way To Find Them.

      Have you ever run into a work at home typist ad? They read like this: “Home Typist Needed now!” Boy, don’t they always seems so promising? You can’t help think to yourself, is this really it? Can I finally find a free home typist job?

      Looking for Home Based Data Entry Jobs? Stop Now..

      Seems to me there are a lot of legitimate home based data entry jobs out there. The problem is you are not smart enough to figure out how to find them. Yes I know this sounds harsh but hear me out.

      Home Based Job Search Made Easy

      A job search should be pretty simple. To acquire a job, the employers looking to hire someone like you have to know you exist, be aware of your skills and know how to contact you. But in reality we all know it’s not that simple especially when it comes to work from home job searches. Learn how to make this process simple.

      No Fee Work At Home Jobs, The Guaranteed Way To Find Them!

      Isn’t it unbelievable that there are still so many web pages that are able to make tons of money by charging work at home seekers money up front for no fee work from home job leads.

      Free Work At Home Jobs Can Be Found

      Free work from home jobs are becoming more and more plentiful now a days. Around 40 million people are working at home in one way or another. Most of the free work at home jobs are based on using a computer. This is a result of the Internet being such an vital part of our lives. You may want to consider starting a home business because it can help you enter in the expanding market of e-commerce. Free Work At Home Jobs continued.

      Genuine Work From Home Jobs – They Do Exist

      Contrary to popular belief, there are genuine work from home jobs where you don’t need a website to earn good money. Working at home allows you to set your own hours. Most of the legitimate work at home jobs are based on contracts and you work as a freelancer. Genuine Work From Home Jobs continued.

      Tips and tricks for finding work from home jobs

      As you may know the big job sites are not specialized in work at home jobs. The at home jobs listed there are usually mixed in with regular jobs and the thousands of home based business opportunities which tend to require a fee.

      Spotlight on Partner Web Sites:

      Home business opportunities




      Business News, The Chronicle Herald, family business.#Family #business


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      Family business

      COMMENTARY: Save protected areas from mining

      Family business

      Lunenburg native wins Startup Canada’s Young Entrepreneur Award

      Family business

      Blueberry growers face price crisis

      Family business

      How Canada turned to Mexico to fend off TPP pressure from Japan, Australia

      Family business

      VIDEO: Canada’s decision to decline TPP agreement shouldn’t have been surprise: Trudeau

      Family business

      Asia-Pacific forum sticks to free-trade gospel despite Trump

      Family business

      US cities, states defy Trump, still back Paris climate deal

      Newcap Radio buys two New Glasgow stations

      BUSINESS BOOKSHELF: The Power of Trust

      Family business

      Weinstein’s Impact: List of men accused of sexual misconduct

      Family business

      Crocs, Dawgs decade-long legal battle over clogs moves to Canadian courts

      Most actively traded companies on the TSX

      Family business

      Sherritt to transfer part ownership of Madagascar mine to settled debt woes

      Family business

      Cominar looking for Sears replacements after toiling to fill Target locations

      Family business

      Ottawa’s plan for excise tax on medical marijuana draws ire of patients, producers

      Family business

      Trudeau embrace of TPP could hurt tough NAFTA talks with Trump: experts

      Family business

      Alberta puts up $40M to help workers transition during coal-power phase-out

      Family business




      The Business grants and funding available to UK small businesses, grants for small business.#Grants #for #small #business


      Government Grants

      The government grants section has a wealth of articles and advice on how UK small businesses can get a grant from both the public and private sector, along with helpful guides on the different types of business grants and funding available to business owners starting and running a business.

      A small business grants guide for 2017

      Here, Peter Fleming takes a look at a range of options for funding your business through grants this year.

      There are many European and UK-wide government business grant schemes; there are also local business funding schemes provided through Local Enterprise Partnerships (LEPs) or through local authorities and organisations such as the Chambers of Commerce. However there were 512 registered schemes at the last count! So a good place to start your research is on the government website.

      Business grants are available at a local and national level and usually sector specific. They offer between £1,000 and £100,000 for SMEs, but funds can be unlimited for larger businesses within EU state aid programmes.

      With grants you don’t pay the money back. However, it’s worth noting there will be clawback terms if you falsify claims in respect to expected outputs set by the grant scheme. Therefore, ensure your application is captivating and thorough as it will go through a due diligence process.

      Normally there are two stages, submitting an Expression of Interest (EOI) to ensure your business and grant application meets the scope of the grant call and then a full application process whereby you will need to supply, market research, a business plan and at least 1-3 years of financial forecasts.

      Throughout the process, you will need to justify there is additionality i.e. not just the reason why you need funding, but by obtaining a grant, how many new jobs you will create, if you’re opening up new markets or export opportunities or that your idea could be a game changer.

      It is always worth getting a second opinion regarding the feasibility and strength of your application against the grant objectives and any regional strategic economic plan. Therefore speak to your accountant, a local business adviser or the Growth Hub.

      The larger grant opportunities can be competitive and therefore be a long-drawn-out process, taking several months in some cases to receive just an offer. So if you are looking for subsidies and money quickly a grant may not be the right solution for your business.

      It is also worth noting if your application is successful, grant moneys are not paid upfront but claimed normally at the back end of the project or even after any intervention is completed.

      Therefore you will need to use your own cash reserves and any other funding prior to drawing down the grant money. I have even known businesses take out bridging loans till they have received their grant funds.

      Some key areas of your business whereby you could access business advice or a grant;

      Business advice and support, whether you are pre-start, a new start or an established business, there are regional Business Growth Hubs across the UK whereby you can obtain free or funded advice. You can normally obtain specialist support to devise a business growth strategy, do market research to create a sales and marketing plan, implement social media management or even get advice on how to apply for further funding.

      Note each UK region may have a focus on specific business sectors, business sizes and locations, as eligibility can be even post code specific.

      Skills and development government grants

      The Skills Funding Agency oversees the current apprenticeship scheme, however on May 1st 2017 the new Apprenticeship Levy scheme starts whereby your business could access subsidised training and development to upskill existing employees to even Master’s degree level.

      Many regional Universities, Colleges and further education organisations will be offering a multitude of subsidised short courses or funded degree level programmes which will help you develop your existing staff to be the managers and directors of the future.

      If your business is within a rural development area and looking to grow, invest in infrastructure, machinery or seek specialist advice to diversify. Or if your business is involved with forestry and land projects the government have a scheme called LEADER managed through Local Action Groups.

      The Carbon Trust Green Business Fund is a new energy efficiency support service for small and medium-sized companies in England, Scotland and Wales.

      It provides direct funded support through energy assessments, training workshops, equipment procurement support and up to £10,000 capital contribution towards the purchase of energy saving equipment.

      Manufacturing is an area which is increasingly supported through grant schemes. Therefore if you manufacture textiles, specialist tooling, operate in the digital market, within the nuclear supply chain or need support for international trade, or manufacture in many other sectors, there is likely to be a grant scheme that your business can access.

      Innovation, Research and Development

      Innovate UK, offers support and funding to help businesses develop new products and services and bring them closer to market, this may be to bring people together to share ideas, tackle challenges and make new technological advances.

      They targets technologies and areas with the greatest scope to improve business, the economy and society.

      Local Enterprise Partnership

      For anyone looking for grants at the moment, the go-to people will be their Local Enterprise Partnership (LEP). One of the main functions of the LEPS is to generate economic growth and so many have their own grants programmes.

      In addition, most provide some form of business support and advice. As part of the business advice service they collate information on local and national grants and will signpost business owners to the relevant organisations.

      Another great source of information is the government ‘Business is Great’ website which has a page dedicated to a number of funds to support innovation.

      There is also is an EU tool which does a better job than anything I’ve seen of clarifying what finance is available across the EU including although is does require some persistence in searching to get to the information.

      For companies and individuals with ground breaking research which may require significant funding there is also Horizon 2020:

      Grant funding is not for everyone but could give your business the boost it needs. Proper preparation, thorough research, getting professional advice and being able to clearly explain why you require your grant funding is more likely to lead to a successful application. And, as a result, help you obtain the financial support for a better, bigger and more profitable business for you.




      How To Choose – Use The Right Business Broker To Sell A Business, business broker.#Business #broker


      business broker

      – Increasing value before selling;

      – Best route to extracting value;

      – Choosing broker or DIY sale​;

      ​ – Maintaining sale confidentiality​.

      Business broker

      – How to attract the best buyers​;

      – How to negotiate the best deal​;

      – ​The other facts you need to know when exiting.

      Business broker

      – Why not to find one in Google​;

      – How to get best broker terms;

      – How to ensure your broker delivers on all counts.

      Business broker

      Business broker

      “Incredibly insightful, unbiased and experienced advice​. “

      Rchard Parker, Chair, Diomo Corporation, best selling author of several books on how to buy businesses​

      Business broker

      ​​”Creative solutions to complex business situations ​. the ability to stay ahead of the curve when ​buying and selling businesses is especially impressive.​”

      Barry Dunlop, Chairman, Renewable Living Ltd​

      ​EARLY STAGE ADVICE

      Where Do I Start? How Much Is My Business Worth? What’s The Best Way To Sell A Business? ​

      Business broker

      ​From business valuation related questions to questions about the probability of finding a buyer, we get them all!

      Business broker

      EVERYTHING YOU REALLY NEED TO KNOW ABOUT CHOOSING A BROKER

      And which nobody will tell you!

      ​If you own a larger business (circa £2 million or over) you’d be better off using professional assistance, but is it really a business broker you need? Or an M A advisory boutique, a corporate finance firm or other professional? Yes, there are a lot of firms that handle the sale of businesses; it’s not just business brokers. A business broker may be completely the wrong “partner” for your business.

      Business broker

      Business broker




      Wade World Trade – Import Export Trade Course UK, import export business.#Import #export #business


      import export business

      Import export business

      Justin Power, Director, explains how easy it is to succeed in Import/Export.

      The beauty of Import/Export is that it offers the potential for substantial profits with absolutely no risk and relatively little effort. There is nothing complicated or mysterious about it, either.

      On the one hand you have, literally, millions of sellers (by which I mean manufacturers and producers) in virtually every country of the world desperate for extra sales – but without the skills or resources to locate overseas customers.

      On the other hand you have millions of buyers (by which I mean wholesalers, retailers and dealers) in every country of the world desperate for products and commodities – but without the skills or resources to find overseas suppliers.

      As the owner of an Import/Export Agency all you have to do is introduce buyers to sellers. For which you will be rewarded with anything from 5% to 15% commission. It really is as simple as that. To succeed you need to know several things:

      • How to find manufacturers and producers offering the right product at the right price.
      • How to identify hot prospects – that’s to say, really keen buyers.
      • How to close a deal between the two with minimum time or effort on your part.
      • How shipping is arranged.
      • How to sort out the relevant paperwork.

      1. Running an Import/Export Agency is a bit like running a dating agency. Your role is to effect the introduction. The buyer and seller will do the rest for you.

      In fact, we are so confident that you’ll be able to set up a profitable Import/Export business once you’ve studied our course that we offer you a full money-back guarantee.

      I hope that before too long I shall be writing to congratulate you on starting your own Import/Export Agency.

      Four out of five companies are begging for you to help them.

      Import export business




      AMSOIL – Synthetic Oil, Motor and Engine Oil, Lubricants, Air Filters, Oil Filters and Greases, business opportunity.#Business #opportunity


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      find products for your:

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      find products for your:

        Join our community of enthusiasts who share your passion for driving, wrenching and building.

        Know what you’re looking for? Start shopping and browse all of our products.

        Not sure which oil you need? Look up your vehicle in our product guides.

        Browse the full line of premium AMSOIL products in the latest factory direct catalog.

        Locate an AMSOIL retail store, service center or independent Dealer in your area.

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        All trademarked names and images are the property of their respective owners and may be registered marks in some countries. No affiliation or endorsement claim, express or implied, is made by their use. All products advertised here are AMSOIL-engineered for use in the applications shown.




        Unsecured Business Loans – Unsecured Finance Australia, unsecured business loans.#Unsecured #business #loans


        unsecured business loans

        At Unsecured Finance Australia we understand growing your business is important, so our team works hard to get your funds to you as soon as possible.

        Our team works hard to ensure all business loans are approved in 5 working days or less. However, most of our loans are approved within 24 hours.

        At Unsecured Finance Australia we like to keep things simple. Unlike the big banks who require huge amounts of information about your business, we just require the basics.

        We need to identify who you are, and often, a drivers licence is all we need to do this.

        Loans $5,000 to $50,000 we require the last three months of your businesses banks statements.

        Loans $50,000 to $250,000 we will need a little more information:

        • The last 6 months of banks statements for your business.
        • The most recent financials showing incomings and outgoings.

        To quality for an Unsecured Finance Business Loan you will need to have the following:

        • A business with 12 months trading history.
        • Turnover in excess of $5,000 per month
        • Regular cash flow (daily, weekly or monthly)

        Unsecured Finance Australia offer short term unsecured business loans from $5,000 to $300,000. Just like a secured loan, the maximum amount you can borrow is determined by the amount of revenue and cashflow coming through your business.

        The online application process is quick and easy, and should only take about 10 minutes to complete. Or if you prefer, fill out the quick quote form on this page and get started in under a minute.

        At Unsecured Finance Australia we understand that every business is different and therefore the same loan or rate will not suit every business. As such, the interest rates on our loans change depending on the health of your business and its cashflow. Once you have submitted your application and we have assessed your application, we will then be able to provide you with a summary of how much you can borrow, the interest rate on your loan and a break down of any fees or charges.

        We offer loans ranging between three and twelve months. On average, most of our customers repay their loans between six and nine months, however, many also like to keep their payments low and spread out their payments over the full twelve month period.

        For those wishing to pay off their loans early, often a discount is offered.




        Home Page, UTurn Vending, Bulk Candy Vending Machine Business Opportunity, vending machine business.#Vending #machine #business


        Begin Here. Go Anywhere.

        Start a vending business with UTurn and take action on the goals and plans you’ve always talked about. Our simple business plan has helped thousands of people – are you next?

        Request a Getting Started Kit

        Vending machine business

        Our Strong Foundation to Support Your Goals

        The Highest Quality Equipment

        Live, Professional Training from Our Expert Operators

        Free Resources to Guide You Along the Way

        It’s time to make your move.

        Take the first step to evaluate our vending business opportunity and see if we are the right partner for you in this important decision. Request our introductory planning materials and a call from one of our business coaches.

        Frequently Asked Questions

        How long have you been in business?

        UTurn Vending has been in business since 1987. During our time in business, we’ve focused on providing high quality vending equipment and proven business plans to individuals and couples looking to start their own vending businesses.

        How much can I make as a vending operator?

        We do not require our vending operators to report their revenues to us, because they are free to operate their businesses seprately from UTurn Vending. As a result of this, it’s not possible for us to provide you with an accurate estimate of the amount of money you can earn as a vendor. Obviously, purchasing a larger quantity of machines and placing them in highly trafficked locations can certainly provide more opportunity for earnings, but we cannot speculate on the amounts.

        How long is your vending warranty?

        We take great pride in developing the highest quality equipment in the market. As a result of that, we provide every UTurn Vending operator with a lifetime replacement warranty on the parts of their vending machine. Should you ever have an issue, we’ll work quickly to repair or replace the part.




        Plans, Store, a business plan.#A #business #plan


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        Business Loans – Unsecured Business Loans – Quick and Easy, unsecured business loans.#Unsecured #business #loans


        Need A Business Loan, Quick?

        UNSECURED BUSINESS LOANS – QUICK !!

        Unsecured business finance for small businesses in South Africa is here.

        If you are looking for small business funding, funding for business, sme funding, smme funding, business finance options, private business loans, funds for small business, business investors, company funding, purchase order funding or invoice discounting finance, apply now for quick business finance.

        R 50 000 to R 1 mill, In 3 days, No security required.

        Use the money to factor invoices, to expand, buy assets, settle debt, pay VAT, pay a deposit, pay tax, buy a vehicle, buy out a partner or for any purpose, is now possible.

        If you have sales of R 1 million in the last 12 months apply on this site and submit 6 months bank statements after a loan manager has called you to get your Business Loan, quick.

        The main criteria is regular cash flow through your bank account; ideally from credit card sales, EFTPOS or regular payments into your bank account. ( other conditions apply )

        Private business loans are aimed at SMME’s with strong cash flow

        Don’t let Business Funding be a daunting exercise.

        Whether you use our small business loan service, big business funding service or are looking for a commercial loan, short term loan, long term loan, working capital loan, loan finance, unsecured business finance, business bridging finance, secured business loan, franchise business loan, franchisee loan or any other type of business finance, we have access to many sources of finance.

        • Submit the APPLY NOW enquiry form on this site
        • A loan manager will call you
        • Submit 6 months bank statements and completed application form
        • A business loan assessment is done
        • A credit loan is proposed and agreed to
        • The business loan funds are transferred to your bank account
        • You then pay back the agreed amount each day or week, until the working capital loan is settled

        Some Examples:

        The business was trading well and had been in existence for just over 12 months.

        Most payments by customers were made by Credit Card.

        The owner needed to upgrade his kitchen to ensure he met the seasonal demand.

        He also had some creditors pressing for payments.

        He applied for a R 300 000 unsecured loan Based on his credit card sales, a 6 month a unsecured business loan was granted.

        The kitchen was upgraded and the creditor was paid.

        He is paying back his loan by weekly debit order.

        Established 18 months earlier and was growing at a rapid rate.

        The owner signed a property lease for 3 years.

        He needed to upgrade the IT systems to cope with a new distribution contract he had secured.

        A large portion of his payments were made via a portable payment POS credit card machine.

        The lender assessed transactions going through his credit card account and granted a R 100 000 loan in 3 days.

        Repayment was by daily debit order.

        Repayments were negotiated to be at 10 % of the daily sales.

        The business had been trading for 15 months in a shopping centre.

        The shopping centre had recently been upgraded and so the owner needed to upgrade the shop décor.

        Within 3 days of submitting all supporting documents the R 50 000 loan was granted.

        Repayment is by 26 weekly debit orders.

        A national chain of health boutiques was upgrading many of its outlets and needed R 500 000.

        A large portion of sales were made by credit card / EFT POS.

        After a little negotiation a loan of R 1.5 million was granted.

        Repayment is by weekly debit order.

        The company had been trading for more than 3 years.

        Contracted clients made regular monthly payments by EFT into the bank account.

        They needed a deposit to rent a new warehouse and applied for a loan.

        A R 500 000, unsecured loan was approved in 5 working days.

        • Business-Loan.co.za is an independent loan facilitator.
        • We are not qualified to give advice but submit your application to lenders that are.
        • Loans are not automatically granted and assessed on various risk and repayment criteria.
        • The Enquiry Form on this site, has set of basic questions which enable the lender to assess the risk and make a high level decision, on whether they can take the application forward.
        • When submitting the Enquiry Form, your application is submitted directly to the lender.
        • The lender will call for more information to verify the information you submit.
        • All loans are granted at the sole discretion of the lender.
        • The lender pays our fee.
        • Please ensure all requested documentation is submitted, to ensure quick processing.
        • Interest on loans: Equivalent of 4.17 % per month
        • Financial implications: Interest is accrued at lending rate of 4,17 % per month plus legal costs
        • Collection practices: All non-payment loans will be handed over to attorneys for collection. Legal costs will be for the borrower’s account
        • Impact to borrowers credit score: Defaulting borrowers will be added to the Credit Bureaus records and will be negatively rated
        • Renewal policy: The renewal of any loan will not be automatic and will be at the lender’s sole discretion. New or renewals will attract same fees as the original loan ie 4.17 % per month



        HealthyYOU Vending – Start a Healthy Vending Machine Business, vending machine business.#Vending #machine #business


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      • Unsecured Business Loans, unsecured business loans.#Unsecured #business #loans


        Unsecured Business Loans

        The decision to start a small business instead of working for someone else is a brave, but tough step. It is certainly risk prone. Not only do you have to start at ground zero, but you may be starting with little-to-no prior experience or even a consistent cash flow to sustain your business. It takes some time for your business to begin to generate some revenue and for the ups and downs to stabilize. There is not any guarantee that a profit will be obtained or that your business will ever make a name for itself. If you are starting a business or planning to, and are looking towards securing a loan, you should be familiar with the pros and cons of secured business loans vs. unsecured business loans.

        Secured vs. Unsecured Business Loans

        A secured business loan is pledged or “secured” against some asset of the borrower, which can be sold to cover the cost of the loan by the lending institution if the borrower defaults. On the other hand, an unsecured business loan is a monetary loan and is not secured against any asset, hard/tangible or otherwise. In addition to the critical difference coinciding with the fact that not any collateral is required to secure the loan, another advantage is that the borrower is only charged some interest on the amount borrowed.

        Unsecured business loans are available in the following different financial categories or packages from a lending firm or bank, such as:

        How the interest rate is applied depends on the lender, as well as the credit history of the borrower.

        Interest Rates in Unsecured Business Loans

        The interest rates charged on unsecured business loans are nearly always higher when compared to secured business loans. This is because in case of the latter type of loan, it is a sure thing that, one way or the other, the lender will be repaid. The same is not the case with unsecured business loans. In these, the lender’s options for recourse are severely limited in the event that the borrower defaults. The higher interest rates are a symbol of the additional risk factor involved for the creditor.

        So why should the lender loan you any money if the repayment lies on shaky grounds? That is what you have to work on. When applying for the loan, make sure that you have a good business credit report. If you are organized and convincing while promoting your business plan, the chances of obtaining your loan increase. Every lender will look at your past credit report for a reference, so try to pay your bills on time (yes, this is obvious). You may want to apply for more than just one loan, perhaps from different lenders, to get the best rates and repayment terms. For instance, a longer-term loan will typically offer lower interest rates because the lender is able to recoup more interest over the life of the loan. Some long-term loans may even add extra fees if the loan is paid off early, so be sure to read the fine print.

        Many people suggest that for starters, it is a better option to opt for a secured business loan, because the added tension of having an outstanding loan and not being able to pay it back is worrisome. Of course losing your car or home is not a good option either. With unsecured business loans, it is not required to have the assets to cover the value of the loan. Only a positive credit report and the willingness to succeed is enough, at least in the initial stages.




        Press release distribution, EDGAR filing, XBRL, regulatory filings, Business Wire, business search.#Business #search


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        Pepsi’s Bet on Community Projects Over the Super Bowl – The New York Times, new business grants.#New #business #grants


        Pepsi Bets on Local Grants, Not the Super Bowl

        What’s better than reaching more than 100 million viewers during last year’s Super Bowl? For Pepsi, it could be 6,000 football fans during a high school game on Friday night in central Texas. Or a group of parents who wanted a new playground in their Las Vegas neighborhood.

        That is the bet that PepsiCo made when it walked away from spending $20 million on television spots for Pepsi during last year’s Super Bowl and plowed the money into a monthly online contest for people to submit their ideas and compete for votes to win grants.

        Withdrawing from the Super Bowl for the first time in 23 years and giving the money away for the Pepsi Refresh Project was considered a gamble by the beverage maker as it explored the potential of social media and cause-related marketing to make a difference in its business. But the company, despite accusations that some winners used questionable voting tactics, says it was a huge success and plans to expand it beyond the United States this year.

        More than $20 million in grants, ranging from $5,000 to $250,000, has been distributed to about 400 winners so far, including $25,000 for new uniforms for the Cedar Park High School band in Cedar Park, Tex., which took its campaign to win votes to Friday night football games. In Las Vegas, a new playground opened last week with a $25,000 grant won in September.

        “This was not a corporate philanthropy effort,” said Shiv Singh, head of digital for PepsiCo Beverages America. “This was using brand dollars with the belief that when you use these brand dollars to have consumers share ideas to change the world, the consumers will win, the brand will win, and the community will win. That was a big bet. No one has done it on this scale before.”

        As Pepsi had hoped, competitors have turned to their personal networks on Facebook and Twitter to gain support for their ideas, extending the Pepsi brand and its do-good message. Nearly 19 percent of the 77 million votes have been cast through Facebook. On Twitter, participants were urged to use the hash tag “#PepsiRefresh,” and they did.

        B. Bonin Bough, who oversees social media for PepsiCo, said that the power of social platforms, like Twitter and Facebook, and blogs allowed this program to work and have reach. “But most important is the power of these platforms to help individuals build communities to help support their efforts and ideas,” he said. “These communities will exist long after and are a testament to the type of social impact programs like this can have.”

        But did the Pepsi Refresh Project sell more cans of soda? Prompt more consumers to switch from Coca-Cola to Pepsi? Create more brand awareness? Build stronger relationships with consumers?

        Figuring out how to translate social media efforts into sales and customers — and how to measure overall effectiveness — was cited as a top concern of many companies looking to expand their efforts to reach consumers using social media technologies in 2011, according to a recent survey by the Harvard Business Review Analytic Services.

        More than 79 percent of the 2,100 companies participating in the survey said they either currently use social media channels like Facebook and Twitter, or are preparing to start social media initiatives. But most executives reported they were still struggling over how best to use the different channels and measure their effectiveness.

        New business grants

        Of those companies participating in social media, nearly a third do not currently measure the effectiveness of their programs, and less than a quarter are using social media analytic tools, the report said.

        At Pepsi, the company is using dozens of methods to assess the impact of Pepsi Refresh, but its success is not being measured by sales of the beverage. Last year, Pepsi sales fell 6 percent, a sharper decline than the 4.3 percent decline overall in carbonated sales beverages.

        Mr. Singh said the Pepsi Refresh Project was not a sales-driving program, but viewed as an investment to build brand awareness and cultivate a long-term relationship with consumers. “It was designed to drive brand health,” he said. “We look at brand equity, brand health and sales — and we have seen movement in all of them.”

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        He also said the project had allowed the company to understand and learn the priorities of many of its customers across the country. “There have been 120,000 ideas submitted,” he said. “It gives us a strong sense of what matters to them and what is exciting to them.”

        Allison H. Fine, co-author of the book “The Networked Nonprofit,” said the upside of the growing number of companies’ embracing social media to run online charity contests was that a local shelter could compete head-to-head for money with a large national nonprofit and do well.

        “But it is still different from traditional philanthropy,” she said, noting many of the awards are to support “loving acts of kindness” and not aimed at achieving social change or perhaps a community’s more urgent and important needs.

        At Cedar Park High School, band members waged a four-month campaign to win the $25,000 grant from Pepsi Refresh for new uniforms last fall; their efforts included distributing fliers during a game and asking people to vote online in support of their request.

        They also urged people to use their mobile phones to cast a vote during halftime. To help them text the number, band members created a formation on the field of 1-0-2-1-1-4 while an announcer told fans what to do.

        “That was a lot of fun,” said Bob Chreste, associate director of the high school band and the driving force behind the band’s successful campaign. “A lot of people in the audience during the game pulled out their phones and voted.”

        For Pepsi’s advertising agency, TBWA/Chiat/Day, based in Los Angeles, the decision to skip the Super Bowl ad last year and use the money for the Pepsi Refresh Project acknowledged the consumer shift toward social media and the need to reach the millennial generation with a project that allowed them to participate in a meaningful way.

        “It was a big deal,” said Carisa Bianchi, president of TBWA/Chiat/Day, about the decision to forgo a traditional ad. “But it really placed Pepsi as a modern brand.”

        What about this year’s Super Bowl? The Pepsi Max brand will join its sibling brand, Doritos, in the Crash the Super Bowl contest, which will offer six ad spots this year for consumer-created commercials. Voters decide which spots get on the air.

        A version of this article appears in print on January 31, 2011, on Page B4 of the New York edition with the headline: Pepsi Bets on Local Grants, Not the Super Bowl. Order Reprints | Today’s Paper | Subscribe

        We re interested in your feedback on this page. Tell us what you think.




        Business News, The Chronicle Herald, green business.#Green #business


        green business

        Green business

        COMMENTARY: Save protected areas from mining

        Green business

        Lunenburg native wins Startup Canada’s Young Entrepreneur Award

        Green business

        Blueberry growers face price crisis

        Green business

        How Canada turned to Mexico to fend off TPP pressure from Japan, Australia

        Green business

        VIDEO: Canada’s decision to decline TPP agreement shouldn’t have been surprise: Trudeau

        Green business

        Asia-Pacific forum sticks to free-trade gospel despite Trump

        Green business

        US cities, states defy Trump, still back Paris climate deal

        Newcap Radio buys two New Glasgow stations

        BUSINESS BOOKSHELF: The Power of Trust

        Green business

        Weinstein’s Impact: List of men accused of sexual misconduct

        Green business

        Crocs, Dawgs decade-long legal battle over clogs moves to Canadian courts

        Most actively traded companies on the TSX

        Green business

        Sherritt to transfer part ownership of Madagascar mine to settled debt woes

        Green business

        Cominar looking for Sears replacements after toiling to fill Target locations

        Green business

        Ottawa’s plan for excise tax on medical marijuana draws ire of patients, producers

        Green business

        Trudeau embrace of TPP could hurt tough NAFTA talks with Trump: experts

        Green business

        Alberta puts up $40M to help workers transition during coal-power phase-out

        Green business




        Home, PartnerRe, business search.#Business #search


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        A smart partner offers solutions, not just security.

        Our expert teams are dedicated to serving our clients as proactive partners, who can look at their business insightfully and holistically to uncover new opportunities. Our deep technical knowledge is combined with commercial sensibility to deliver both standardized and innovative, customized solutions for client needs.

        Partnership begins with a conversation.

        Click the Partner With Us button to find the right contact for your business anywhere in the world.

        About Us

        PartnerRe combines a striking balance of technical expertise and strong personal relationships to develop solutions that fuel our clients’ success.

        News & Events

        Stay up to date on our earnings results, executive appointments, events around the globe and other PartnerRe news.

        Opinions & Research

        Our articles and reports alert you to critical changes across economic, technological, regulatory and other relevant environments.

        Careers

        We are always looking for bright, proactive people with expert knowledge, skills and integrity to join our global team.

        Financial Strength

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        Free Grants for Women, business grants for women.#Business #grants #for #women


        Free Grants for Women

        Click here to go directly to our list of over 80 grants for women.

        On this site you will find all the FREE information you need to successfully find, apply for and receive grants for women which you need to fulfill your dream.

        Business grants for women

        The struggle for women to gain acceptance, recognition and respect in society has been a long and lengthy process that has only begun to be appreciated in the last century.

        Whether you want to:

        • further your education
        • set up a company
        • expand or restructure an existing firm
        • implement new business ideas
        • commercialize patents
        • develop other activities

        apart from know-how, motivation and all the qualities that make a successful businesswoman, you especially need FINANCING.

        Example Projects

        • Money for Startup and/or Existing Businesses
        • College Grants and Scholarships
        • Dissertations
        • Equipment
        • Exhibitions
        • Federal Contracts
        • Major Expansions of Existing Programs
        • Research
        • Seed Money
        • Services
        • Special One-Time Expense
        • Training for A New Career
        • Travel
        • Publications – Support for the publication of documents that explore the lives and actions of important figures and/or bring to light major themes of United States history
        • Digitization projects (projects to convert records originally created in hardcopy or analog formats to electronic form) particularly for the National Historical Publications and Records Commission.

        How to Search For Grants on The World Wide Web

        There are numerous resources on grants, scholarships, fellowships, loans and internships available through the World Wide Web specifically for women. You don’t want get lost in the masses.

        Before you start your search determine your funding needs. A proposal or project outline can be the first step in creating a grant search strategy, since it will help you expand or limit your search.

        First, determine the type of grant you need. If you want to find women’s small business grants for opening a co-operative arts gallery, for example, you can search for

        • women arts grants
        • women coop art grants
        • women regional arts grants
        • women businesses grants
        • women minorities businesses grants

        Make a subject list – complete with synonyms and alternate word-endings – which will save an inordinate amount of time.

        Examples of search words:

        • Women’s Funds .. or .. Grants for Women .. or .. Money for Women
        • Research Grants
        • Grants for Women in Science
        • US Grants
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        • Small Business Grants
        • Technology Grants

        Ignore Sites That Make You Pay

        IMPORTANT NOTE: Sometimes you will find that the first few web sites that display as a result of your search will want you to pay for this information. You do not need to pay! You can find them yourself. Just ignore those profit-hungry mongrels and page past them.




        Business Capital Grants: Avail of Capital to Start Your Own Business, grants for business.#Grants #for #business


        Business Capital Grants

        As the economy suffers, people continue to experience job loss and salary reduction. Businesses are struggling to create a positive cash flow, let alone generate enough capital for business expansion. It gets harder for businesses to find capital investors. Even in times of plenty, it’s always smart to explore all your options for getting business capital and especially when it comes with no required repayment!

        Whether you are starting out in a brand new business or are enjoying success in an already established venture, to help your business grow you need to take a look at currently available government grants for business.

        You can receive capital for business start-up or expansion

        Corporations, foundations, professional groups, private entities, and of course government organizations are offering grants and other funding options for business start-up and expansion.

        Business Start-up

        During this economic recession, unemployment is high and financial security is low. Why not create your own job security by starting a business? Take control of your financial future during these difficult economic times. Government grants, contracts, low-interest loans to start a busienss may be the best way for you to find your start-up capital.

        Business Change or Expansion

        If you already own a small business and you need to take it in a different direction in order to be more marketable or to better adjust to the demands of your market, consider business capital grants as a good way to finance this change.

        Grants for business can include business in many forms: from small, home-based businesses to paperless, internet businesses; from manufacturing to retail. You can do it with financing from grantors or other funding sources.

        How to Start

        Wondering how to get government grants or other funding for your business? Today, most grants can be applied for online, streamlining the process. Applying for government grants or any kind of grant, for that matter is a fairly straightforward process, if you can quickly find and sort through the important information. You can usually apply for grants online, from the comfort of your home. But in the grand scheme of things, applying for business grants is the easy part! What’s most exhausting is the research process that must happen before you get to the applications. First, you search out grantors, then their grants. Once you determine if you are eligible, you find their application requirements and apply.

        But you won’t have to worry about all that research when you work with USAGrantApplication.org. We’ve helped do some of the main research for you! Our team of research experts have scoured the grant scene and catalogued all the available grants on our members-only site. There, you can view everything you need to know to get started.

        Using USAGrantApplication.org can make your time more effective, as you bypass the dozens of hours you could easily spend doing research, and skip straight to applying for relevant grants.

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        USA Grant Application is not a government agency and is not affiliated with the United States Government or any other funding agency. USA Grant Application supplies training materials on how to apply for funding as well as resources on where to apply.




        EU news, business and politics, business profile.#Business #profile


        2017 eurozone growth fastest in a decade

        The eurozone economy is set to grow at its fastest pace in a decade this year, the EU Commission forecast in its Autumn Economic Forecast Thursday, with real GDP growth substantially higher than expected.

        EU carbon market reform deal falls short

        A tentative deal to redesign one of the EU’s key climate policies, the Emissions Trading Scheme, was reached by the EU institutions Thursday, but it was not welcomed by environmental groups.

        New EU gas rules could staunch Russian pipeline

        Changes to the Gas Directive proposed Wednesday to ensure that all major gas pipelines entering EU territory comply with EU rules could prove an obstacle to the Russian-backed Nord Stream 2 project.

        Comments of business people and politicians on Britain’s decision to withdraw from membership of the European Union.

        Amid mounting political and public opposition to glyphosate – a controversial and widely used weedkiller – representatives of European governments have again rejected the Commission’s proposal to grant glyphosate a new licence.

        World Animal Protection are looking to recruit an External affairs advisor to lead, manage and maximise internal and external stakeholder relationships.

        SMi’s annual Benelux Infrastructure Forum, which will take place in Amsterdam on 22nd -23rd November, will present the latest opinions within the infrastructure market from key professionals in PPP, project financing and future market sectors such as renewable energy ventures.

        The European Commission has launched plans for the biggest reform of EU VAT rules in a quarter of a century. The VAT reform would make the system more robust, simpler and fraud resilient, a system based on increased trust and cooperation between tax administrations.

        Nick Clegg categorically debunks the various myths that have been used to force Brexit on Britain, not by ‘the people’ but by a small, extremely rich, self-serving elite, and explains precisely how this historic mistake can be reversed – and what you can do to make sure that it is.




        Business Courses – University of Phoenix, business courses.#Business #courses


        Business classes for professionals

        Business is a broad area of study that encompasses many important ideas and concepts. By studying business you can gain knowledge and insight that allows you to make more strategic decisions. The ideas and concepts you learn can be helpful in many arenas, even if you don’t consider yourself a business professional.

        You can develop decision making skills, learn about effective time management and communication with our business classes. These courses explore a range of concepts that are important in the business world, including the dynamics of organizational behavior, ethics and social responsibility.

        We also offer business courses that look at database fundamentals, data visualization and other technology-centered topics. These increasingly important areas of study can round out your knowledge and help you become more effective as a professional.

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        • How to identify, manage and resolve conflict.

        Our online business courses can give you a better understanding of the challenges faced in the business world today. They can also build upon your foundational business knowledge, offering more comprehensive insight into advanced business topics and functions.

        You can take a single business course for personal growth or for professional development or use the credit toward one of our degree programs. Please note, if you wish to transfer credits earned with us to an outside educational institution, you’ll need to check with them first to determine if credits are transferrable.

        Our courses and programs are flexible, allowing you to continue your education on a schedule that works for you. Enroll in online business classes, doing coursework from the convenience of your home. Call 866.484.1815 or request additional information.




        Government Grants, Learn How To Get Free Money From The Government, new business grants.#New #business #grants


        New business grants

        New business grants

        Welcome to GovernmentGrant.com

        U.S. Federal Grant Data Provided by USASpending.gov

        Every year the United States Government has been giving away Free Money in Government Grants to small businesses and individuals in need. In United States over $400 Billion Dollars in Government Grants have been given away to qualified US businesses, organizations, and people like you.

        You may be entitled for government grants that you are not aware of! GovernmentGrant.com is the best source for federal grants, state grants, and municipal grants. Throughout the site, we will show you what grants are available in your area, how to pick one, and how to apply.

        One of the great things about government grants is that you can apply to as many as like and best of all it is absolutely free to apply! Its free money just waiting for eligible applicants to come along and take it. With a bit of effort you can get yourself a government grant to fix up your aging home, help start a business or even a grant to help pay your bills!

        Government Grant News

        New business grants

        New Initiative Aims to End Child Hunger in Maine

        The state of Maine has unveiled an ambitious campaign designed to combat child hunger. The campaign is called Full Plates, Full Potential, to highlight the fact that children cannot reach

        New business grants

        Sam’s Club Awards Grants and Education to Small Business Owners

        Oftentimes, small business owners are the very small fish in a large, overpopulated pond. One reason they struggle to get their business off and running is due to limited availability

        New business grants

        Homeless Families Lose Housing After Federal Government Takes Grant Money Away From Charities

        Though Polk and Hillsborough counties have mostly recovered from the housing market collapse, there are still hundreds of homeless families located within the central Florida area. Sadly, these unfortunate families

        New business grants

        FedEx Launches Small Business Grant Contest

        Small businesses can find securing funding difficult during a weak economy like the one we’re in now. A government grant program that was available in the past may no longer




        Business Grants, Government Grant, grants for business.#Grants #for #business


        Business Grants

        Grants for business

        During tough times businesses are encouraged to seek out and obtain a temporary business loan or business grant in order to receive grant money that they do not have to repay.

        Starting or growing a business can be a costly undertaking and usually requires a great deal of cash. While there are a variety of ways to raise capital for your business venture, these can be both time consuming and difficult depending on the funds required. The US government and private organizations set aside millions of dollars every year through business loans and grants that help companies get started, increase their trade and stay afloat in hard times.

        In times of financial hardship the last thing the federal government wants is for businesses to fail. This starts a domino effect that means job loss, decreased consumer spending and a flagging economy as well as a significant decrease in taxable dollars. These grants are targeted at future business owners, new businesses and established businesses. During tough times businesses are encouraged to seek out and obtain a temporary business loan or business grant in order to receive grant money that they do not have to repay.

        The Opportunity Fund

        The Opportunity Fund is specifically for business owners in the Northern and Southern California areas. The Opportunity fund is the largest non-profit source of microloans and microfinancing in California as well as financing for commercial real estate ventures. Since 1995 they have invested over $200 million in small businesses and handed out almost $20 million in small business loans to businesses in need.

        The Opportunity Fund Loan Details

        • Small and micro loans from $2,500 $100,000
        • Fixed Interest Rates 8% 12%
        • Loan Terms 1 – 5 years

        Visit the official website for The Opportunity Fund to see if you qualify.

        Those who are not located in the qualifying areas may qualify for similar types of grants in their areas, and they can be found by doing an online search. They can also ask people they know if they are aware of any non-profit organizations that are offering funds to owners of small businesses in a program such as the Opportunity Fund.

        The “Love a Local Business” Competition

        The Love a Local Business Grant Competition gives customers and employees alike a chance to reward their favorite businesses by nominating them for this grant. This competition has awarded over $1.1 million to small businesses with just one business winning $25,000 in a hiring grant. This grant is NOT available all year round and you should check Love Our Local Business Competition homepage to see if the grant is currently available

        Small Business Association

        The Small Business Administration, or SBA, is a United States government agency, funded by tax dollars, that offers guidance and loan programs to entrepreneurs and small businesses. In the United States, for SBA purposes, small businesses are defined as those having less than 250 categories. Caps on revenue to meet the definition vary by industry, for example, non-manufacturing companies with revenues of under $7 million dollars qualify as small.

        Under the loan guarantee program, the maximum amount that can be borrowed is $5 million dollars. Another financing scheme from the SBA is the traditional fixed asset loan, which also have a cap of five million. This is a more traditional type of loan where companies borrow money to hard assets for their businesses, like equipment, vehicles or property.

        The SBA is not a direct lender, but these loans are administered through authorized non-profits in a business community. Access to the non-profits can be obtained by contacting your local, or nearest SBA office.

        State Agencies and Local Agencies

        People will not necessarily find a federal program that offers them general funds for their small businesses, but they may find them at the state agencies and local agencies in their areas. One example is a low-interest loan. People can find out how they can apply for these low-interest loans by contacting the economic development agency in their states.

        The United States Government

        If people can meet requirements for specific programs, they can apply for federal grant money. For example, if they are developing a “green” product, they may be able to find a federal grant that is funding this type of research. Search our grants database for programs that are appropriate for your business.

        Entrepreneurs have many other ways that they can obtain the money they need than just applying for grants. For more small business resources check out our Grant Resources page.

        Grants for business

        Get A Free Grant Assistance KitGrants for business

        To start your application for a free grant package go to:

        Did You Find This Page Helpful?

        Share this article with your friends and colleagues! For more articles like this one subscribe below to our monthly newsletter and receive the latest government grant news.




        IBM Software — Find software products and solutions, business management jobs.#Business #management #jobs


        business management jobs

        Find, demo and try IBM software products

        How to buy

        Explore buying options or contact a digital seller

        Case studies

        Discover how clients are transforming their business with IBM software

        IBM Global Financing

        Explore custom payments and rates as low as 0%

        Explore IBM software and solutions

        Analytics

        Software and solutions

        Featured products

        IBM Cognos

        Make better business decisions with business intelligence and financial performance management

        IBM SPSS

        Get deeper, more meaningful insights from your data and predict what is likely to happen next

        IBM Maximo Asset Management

        Manage physical assets on a common platform for better asset lifecycle and maintenance management

        IBM DB2

        Explore no-boundaries database software for the digital, cloud and cognitive era

        Business solutions

        Software and solutions

        Featured products

        IBM Sterling Commerce

        Use eCommerce, connectivity and integration to deliver personalized retail experiences

        IBM Coremetrics

        Analyze data from customer behavior to uncover trends and insights for targeted marketing

        IBM Unica

        Deliver single, personalized experiences across channels to increase customer engagement

        IBM Tealeaf

        Explore digital customer experience management and customer behavior analysis solutions

        Cloud

        Software and solutions

        Featured products

        IBM Bluemix

        Build, deploy and scale your apps and services, your way

        Cognitive

        Software and solutions

        Featured solutions

        IBM Watson Analytics

        Uncover insights in your data on your own, with analytics made easy

        IBM Watson Health

        Discover how cognitive systems are transforming global health

        IBM Watson University

        Learn to develop apps and build robots using IBM Watson cognitive technology

        IT Infrastructure

        Software and solutions

        Featured products

        IBM Business Process Manager

        Automate, manage and optimize business processes in the cloud

        IBM WebSphere Application Server

        Develop next generation Java apps in the cloud and pay as you go

        IBM MQ

        Accelerate the integration of applications and business data across multiple platforms

        IBM and Apache Spark

        Create algorithms and speed analytics applications to gain insights from complex data

        IBM Spectrum Protect

        Protect and recover data for virtual, physical, cloud and software-defined environments

        IBM z/OS Connect Enterprise Edition

        Develop efficient and scalable RESTful APIs for mobile and cloud apps

        IBM UrbanCode Deploy

        Automate the application deployment process to accelerate time to market

        Use high-performance enterprise application servers for Z Systems with support for a range of languages

        IBM Information Management System (IMS)

        Explore a fast and security-rich hierarchical database manager for OLTP

        Mobile and social

        Software and solutions

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        IBM Mobile Foundation

        Build mobile apps safely, using any front-end framework or tools

        IBM Notes

        Use enterprise email with integrated messaging, business applications and social collaboration

        IBM Verse

        Re-imagine your email and business communications to support evolving information exchanges

        IBM Kenexa

        Use HR products and services to hire, onboard, grow and retain your talent

        Security

        Software and solutions

        Featured products

        IBM MaaS360

        Secure your mobile devices, apps and content with one mobile management solution

        IBM Security Trusteer Rapport

        Prevent malware and phishing attacks to strengthen customer security

        IBM QRadar Security Intelligence Platform

        Detect and defend against advanced network security threats

        IBM Cloud Security Enforcer

        Securely deploy cloud services within your enterprise

        Featured software trials

        Business management jobs

        IBM SPSS Modeler

        Get quick access to predictive analytics with a flexible subscription

        Start your free trial

        IBM Spectrum Control Storage Insights

        Optimize Dell, EMC and IBM storage infrastructures from the cloud

        Start your free trial

        IBM SPSS Statistics

        Boost your analysis with Bayesian statistics

        Start your free trial

        IBM Data Science Experience

        Solve tough data problems using a platform built by data scientists

        Start your free trial

        IBM Cloud

        Build and run apps and services with a flexible, hybrid cloud

        Try a free Lite plan

        IBM Marketplace

        Try and buy software-as-a-service and on-premise offerings in the IBM Marketplace

        Contact us

        Contact us

        General inquiries: 800-IBM-4YOU (800-426-4968)

        Software services

        Tap skilled, knowledgeable consultants who can help successfully implement your solutions

        IBM Redbooks

        Access complimentary, step-by-step guides for IBM software solutions

        Support portal

        Get technical support for IBM products and services you have already purchased

        IBM client voices

        See how customers from a range of industries are driving essential outcomes for their business with IBM software




        The Telegraph Festival of Business, running a small business.#Running #a #small #business


        Festival of Business

        Running a small business Running a small business

        Running a small business Running a small business Running a small business Running a small business

        The Telegraph Festival of Business 2017

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

        Agenda

        Registration and Breakfast

        Welcome Address from the Chairman

        Jeremy Warner, Associate Editor, The Telegraph

        Lady Michelle Mone, Baroness of Mayfair OBE

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

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

        Craig Donaldson, Chief Executive Officer, Metro Bank

        Karen Blackett, OBE Chairwoman, MediaCom UK

        Kiera Lawlor, Head of Happiness, Social Chain

        Kirstin Furber, People Director, BBC Worldwide

        Moderator: Rebecca Burn-Callander, Contributor, The Telegraph

        Panel Session: Leading your business to success

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

        James Daunt, Chief Executive Officer, Waterstones

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

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

        Moderator: Liam Halligan, Economics Commentator, The Telegraph

        Networking and Refreshment Break

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

        Senior Representative, National Cyber Security Centre (NCSC)

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

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

        Richard Gilkes, Managing Director, Stort Chemical

        Philip King, Chief Executive, Chartered Institute of Credit Management

        Moderator: Liam Halligan, Economics Commentator, The Telegraph

        The importance of growth and international trade for SMEs

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

        Plotting the future of tech innovation in your business

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

        Chief Digital Officer

        Digital Marketing Lead, UK

        Pfizer Innovative Health

        Moderator: Robert Bridge

        Chief Customer Officer

        Scaling Up Your Business Operations

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

        Head of Enterprise

        Business Banking NatWest/RBS

        Founder and Chief Executive Officer

        Chief Executive and Co-founder

        Moderator: Matt Caines

        Editor, Telegraph Connect

        Supporting UK business to export and grow

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

        Emma Jones, Founder, Enterprise Nation

        Joshua Stevens, Chief Executive Officer, One Retail Group

        Dr Adam Marshall, Director General, British Chambers of Commerce

        Moderator: Rebecca Burn-Callander, Contributor, The Telegraph

        Securing your business against cyber threats

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

        Sam Nixon, Product Owner, Decoded

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

        Rowan Davies, Head of Policy and Campaigns, Mumsnet

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




        Jeannette Rankin, women business grants.#Women #business #grants


        Jeannette Rankin Scholars 1976-2017

        Please support hard-working women like Alba today.

        Cynthia

        Since 1976, Jeannette Rankin Fund has awarded more than

        $2 million in scholarships to more than 750 women.

        Yinghong

        Nearly half of Jeannette Rankin Fund scholars are the first in their families to go to college.

        Nadja

        Women with bachelors

        degrees earn up to double

        the salary of women

        Tesha

        We help women end cycles of poverty, underemployment, and abuse, offering a brighter future to families and communities for generations to come.

        #SMARTPARTYATH

        Join us for our SMART Party 1.0 in Athens, GA on October 12th, 2017. We’ll be fundraising in style at Hotel Indigo’s Rialto Club in Downtown Athens. Buy your tickets today!

        Scholar Story

        Meet Karen! Karen is pursing her Bachelor’s of Science in Nursing. Read her story.

        #SMARTPARTYATL

        Join us for the SMARTEST Party of the Year, SMART Party Atlanta 3.0 on Nov. 9! New location, The Gathering Spot! Buy your ticket today!

        Our Mission

        We provide scholarships and support for low-income women 35 and older across the U.S. to build better lives through college completion.

        Impact

        1000+ women have received scholarships

        48.7 % of scholars are the first member of their family to attend college, breaking the cycle of poverty and impacting future generations.

        74.3 % of scholars are heads of their households, demonstrating the importance of education to their children.

        JRF in 2 Minutes

        Learn more about how we empower women to improve their lives.

        Connect

        Keep up with our ongoing work!

        Legal Information

        Women business grants

        2012 Jeannette Rankin Women’s Scholarship Fund. All Rights Reserved. Jeannette Rankin Women’s Scholarship Fund is a 501 (c) (3) organization, and donations are tax-deductible as allowed by law.




        Georgia Association of Business Brokers, business brokers.#Business #brokers


        Georgia Association of Business Brokers

        Business brokers

        The Georgia Association of Business Brokers

        Welcomes You!

        Business brokersBusiness brokersBusiness brokersBusiness brokers

        Welcome to GABB.org

        The Georgia Association of Business Brokers

        GABB is a professional membership organization committed to professionalism in the business brokerage industry. GABB members relentlessly pursue professional development so they can render superior, ethical services for all customers and clients.

        To learn more about how we can help you, please click on a link at the bottom of this page.

        For more information about the GABB, contact GABB President Mike Ramatowski at 770-634-0428 or [email protected]

        Latest Blog Posts

        Business brokers

        It’s Time To Embrace CSR (Corporate Social Responsibility)

        November 6, 2017 By bbpadmin

        If you are unfamiliar with CSR or corporate social responsibility, you are certainly not alone. In the coming years, you’ll be hearing a lot about [Read More. ]

        Business brokers

        You Know the Old Saying About Loose Lips? How Does It Impact You?

        October 31, 2017 By bbpadmin

        The saying “loose lips sink ships,” doesn’t have ancient origins. While it sounds like one of those sayings that has been around forever, the saying [Read More. ]

        Business brokers

        Time Management Topic of Nov. 28 GABB Meeting

        If you ask a business owner what their most previous resource is, they’ll usually give one of a few answers. Money is the most common, while others [Read More. ]

        Business brokers

        Top Four Statistics You Need to Know About Ownership Transition

        October 23, 2017 By bbpadmin

        If you own a business, then ownership transition should definitely be a central topic in your planning. A few years ago, MassMutual Life Insurance [Read More. ]

        Business Buyer

        Business Seller

        Business Broker, Attorney, CPA, Lender, or Consultant

        GABB Member

        Meeting Notice

        The GABB usually meets on the last Tuesday of every month.

        Upcoming GABB Meeting Dates

        2017 Meeting Dates:

        Oct. 31 MEMBERS ONLY, Nov. 28.

        The monthly meeting begins at 10:30 a.m. and is preceded at 9:45 a.m. by a free light breakfast and networking session. There is networking with coffee and pastries from about 9:45 to 10:30 and the meeting will last from about 10:30 to somewhere between 11:30 and noon.

        Our meetings begin with guest and member introductions of name, company and what you do, not a networking or elevator minute. After introductions, we have about a 30-minute presentation by either a panel or a speaker and then some time for questions. After the presentation we’ll have a few items of association business and then adjourn the meeting.

        The GABB meets at the Atlanta Realtors Center at 5784 Lake Forrest Dr. NW, Atlanta, GA 30328.

        I-75 north to I-285 east or I-85 north to I-285 west. Exit at Roswell Road south and turn right onto Northwood Drive. Turn right onto Lake Forrest. The Atlanta REALTORS® Center on the left at the stop sign (intersecting Allen Road).

        From the North: Take GA 400 south and change to I-285 west. Continue as above via Roswell Road.

        From East or West: I-285 to Roswell Road. Continue as above.




        What Types of Grants Exist For Women, women business grants.#Women #business #grants


        women business grants

        Women business grants

        What Types of Grants Exist For Women?

        Regardless of the country that you live in, federal grant money is usually available. Women can apply for federal student grants to fund their education at an undergraduate or graduate level and give themselves the ability to get a professional career.

        Other agencies in a country’s federal government offer grant money to organizations for public purposes, including the betterment of the status of women in business, the arts, or in the fields of science and technology. These organizations then develop programs which women can use. Either kind of federal grant requires an application, along with a stated goal and a promise that the funding will be used solely for the purpose for which the grant was created.

        Government agencies in the United States, Canada, UK, Australia, and South Africa that usually offer such federal grants include the Department/Ministry of Health, the Department/Ministry of Education, the Department/Ministry of Agriculture, the Department/Ministry of Social Services, the Small Business Administration, and more. Many times, public service agencies such as the Medicare Payment Advisory Commission (or your country’s rendition of this) will also offer grants.

        Private grants are funded by an individual who have a personal interest in promoting certain kinds of activities through their generosity. Sometimes a private organization is set up as a foundation with a board of directors and possibly a committee that handles grants and awards. Private funding may be available for women in the form of grants or scholarships.

        Well-known U.S. humanitarians who provide private grants include Bill Gates, Oprah Winfrey, Warren Buffet, Bill Cosby, Martha Stewart and many others.

        Corporate grants are developed and administered by companies who wish to fund projects that either enhance their reputations or have a reasonable chance of producing benefits to the funding company. Some companies and organizations have a history of making grants available for women to use for education or career advancement.

        Companies that provide such grants through their foundations include Microsoft, Kelloggs, General Electric, Verizon, Toyota, Boeing, Sony, and many other corporate giants in your country.

        Professional grants are usually made by non-profit organizations and universities within a given profession to advance the status of individual members of the profession and the status of the profession itself. Many professional women s organizations offer career development or advancement grants for use by members of the profession for travel, education or counseling.

        Organizations that offer professional grants include the Susan G. Komen Breast Cancer Foundation, the Barbara Lee Family Foundation, the American Association of University Women (AAUW), various universities across the world, and more.




        Stock Markets – Home, stock markets.#Stock #markets


        AllAfrica

        • Section Home
        • Top Headlines
        • News Sources

        Stock markets

        Nigerian Oil Firm Oando Shares Resume Trading

        Stock markets

        Nakumatt Now Closes Another Branch in Nairobi

        Top Headlines

        GE Africa

        African Development Bank

        UNECA

        Ecobank

        UBA Group

        Corporate Council on Africa

        Notices and Announcements

        African Development Bank

        AllAfrica publishes around 900 reports a day from more than 140 news organizations and over 500 other institutions and individuals, representing a diversity of positions on every topic. We publish news and views ranging from vigorous opponents of governments to government publications and spokespersons. Publishers named above each report are responsible for their own content, which AllAfrica does not have the legal right to edit or correct.

        Articles and commentaries that identify allAfrica.com as the publisher are produced or commissioned by AllAfrica. To address comments or complaints, please Contact us.

        Follow AllAfrica

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        Business Insurance Solutions For Small – Large Businesses, Santam, business insurance quotes.#Business #insurance #quotes


        Business insurance solutions

        We understand that every business is unique and that risks differ. Whether you operate a hair salon or a large accounting firm, Santam has nearly 100 years of experience and in-depth expertise to insure your business properly.

        Business insurance can seem like a complicated maze, which is why we’ve created a simplified interactive visual of typical business risks.

        Brochure

        The benefits of insuring your business with us

        Santam is the insurer of choice for millions of South Africans countrywide. We help you be safe and stay safe – everywhere you go. If you need five more reasons to choose Insurance good and proper.

        Welcome to our blog

        Advice, insights and expert opinions for SME owners and managers

        Business insurance quotes

        Hidden costs of starting a new business

        Business insurance quotes

        How to estimate your start-up costs

        Business insurance quotes

        Advice on running a successful business

        Business insurance quotes

        What we cover

        Selecting the right insurance for your business is often seen as a difficult, time-consuming task. But while no two businesses are ever exactly the same, there are certain risks that most businesses share in common. To help make selecting the right insurance for you simpler and easier, we’ve created an interactive tool to help highlight the different types of risk your business could potentially face, and the solutions we offer.

        Business insurance quotes

        Goods in transit

        Theft or damage to goods in transit is very often out of your control and can happen at any time due to various circumstances, which makes being covered for this risk so important.

        Business insurance quotes

        Vehicles

        If it has wheels we can cover it with comprehensive insurance for all types of vehicles from, cars, bakkies, busses, trucks, trailers, caravans and motorcycles.

        Business insurance quotes

        Machinery breakdown

        Your machinery may be covered for fire and theft, but we also cover accidental damage to your equipment and machinery and the costs associated with repairing it.

        Business insurance quotes

        Deterioration of stock

        Breakdown of machinery may also result in the loss of refrigerated stock, but we have you covered for financial or related loss that may occur.

        Insurance for small businesses

        We understand that risks differ and that every start-up business is unique. Through a focused small business insurance offering, we will help to ensure that your start-up is properly covered.

        Get great deals through our partners

        Benefit from the range of Santam service providers that offer exclusive discounts on services that will improve the safety and security of you, your family and possessions.

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        Calculator

        Use these simple tools to check if your business is sufficiently protected. Having the right cover in place will ensure quick and hassle-free claims in times of need.

        Santam app

        Manage your business and personal insurance inventory, send and receive instant SOS alerts and track the safety of loved ones with one easy swipe on your smartphone.

        In the news

        Fires cost South African businesses millions annually

        South Africa loses millions of rand to fire each year. The past fire season has seen thousands of people displaced from their homes as a result of fires in the Knysna area while acres of vineyards were destroyed in the Western Cape in January, decimating revenues within the wine industry.

        Insuring the wine industry

        20 January 2017

        The recent spate of fires in the winelands of the Western Cape has again brought the issue of the wine producer’s risk to the fore, with a number of wine farms being adversely affected. Shehnaz Somers, head of commercial underwriting at Santam said the company is still assessing the damage and loss as a result of fires spreading to well-known vineyards and guest farms in the winelands and surrounding areas over the past month.

        Business insurance quotes

        What is the key to small business marketing?

        Business insurance quotes

        What causes the most problems for entrepreneurs?

        Business insurance quotes

        What is an entrepreneur’s biggest obstacle?

        Business insurance quotes

        What are the biggest lessons you have learnt?

        Business insurance quotes

        Curb excessive sick leave to prevent abuse of the system

        Business insurance quotes

        Doing business in other countries

        Business insurance quotes

        What is the key to small business marketing?

        You represent the heart and soul of your small business. The key to your marketing campaign is to share your story proudly, passionately and with sincerity.

        Business insurance quotes

        What causes the most problems for entrepreneurs?

        It is impossible to turn your entrepreneurial dreams into reality all by yourself. Find the right partners or trust the experts to help you get the business basics in place right from the start.

        Business insurance quotes

        What is an entrepreneur’s biggest obstacle?

        Don’t let the details get in the way of your success. If there’s an opportunity, seize it! Your determination and actions will set the pace for the plan to evolve.

        Business insurance quotes

        What are the biggest lessons you have learnt?

        Your passion and skill is what drives your business. But the ultimate key to achievement is patience and know-how to take your small business to a sustainable and successful level into the future.

        Business insurance quotes

        Curb excessive sick leave to prevent abuse of the system

        Abuse of sick leave benefits among staff often present huge challenges for employers. Address this issue to prevent the exploitation of the system and increase the productivity of your workforce.

        Business insurance quotes

        Doing business in other countries

        Expanding your business across the border? First, find the right legal partner on the other side to help you understand and consider all the legal parameters, practicalities and infrastructure required to support your business.




        Fingerfood Catering services in Perth and Fremantle Western Australia – online menu and prices – business functions, birthday parties, weddings and corporate events, catering business.#Catering #business


        Choose a meal category

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        weddings

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        Catering business




        Business Internet Services – Dedicated Access, Verizon Enterprise Solutions, business internet.#Business #internet


        Business Internet Services

        Fuel your business with high-performance dedicated internet access.

        Build your business on a high-performance network backed by enterprise-grade, dedicated internet access. Our Internet Dedicated Services provide reliable connectivity and flexible bandwidth over a public network, so you can share information and apps easily and quickly.

        High-speed connections for high-speed business

        With the rise of cloud technology, web hosting services, high-definition video and other critical applications, plus the explosion of Big Data, you’re demanding more and more of your network and business internet service. That means it may need a performance boost. Our services deliver the consistent high performance needed to run these applications and to reach customers via the internet, using ultra-fast, full-duplex connections.

        Dedicated Internet Access

        Give your business connections a boost.

        Once deployed, dedicated internet access can help position your business for growth in today’s fast-paced marketplace. It helps you improve your ability to operate important applications, easily share information and enable transactions with:

        • Performance: Take advantage of high-quality, reliable business internet service and connectivity backed by stringent service level agreements (SLAs) and quality-of-service (QoS) options that allow you to prioritize key applications and network traffic.
        • Flexibility: Make use of flexible, affordable, burstable and tiered pricing options to adapt to changing usage patterns when managing connectivity for important business applications.
        • Coverage: Enjoy single-provider dedicated internet access supported by an extensive global IP backbone for all your public IP connectivity.

        Internet Dedicated with Express Connect

        Start doing business sooner with fast access to reliable networks.

        Get your doors open faster and keep them open using our Internet Dedicated with Express Connect. Turn up new sites in as little as 8 – 10 business days.* Then, stay connected by using wireless access as backup for business continuity.

        Discover our other Express Connect solutions:

        Internet Dedicated with DNS Safeguard

        Create secure, reliable internet connectivity.

        Internet Dedicated with DNS Safeguard helps provide visibility into internet activity across all users and locations—helping to block threats before they ever reach your network or endpoints. DNS Safeguard stops phishing and malware infections earlier, and prevents data exfiltration. It’s delivered from the cloud, so DNS Safeguard provides an effective security platform that’s simple to use and quick to deploy.

        The Verizon Advantage

        Flexible solutions and scalable options:

        • A full breadth of available speed options, ranging from T1 to 100 Gbps, on a dedicated network connection.
        • Bandwidth can be allocated based on changing business needs, enabling you to control costs and improve network performance.
        • A single solution that provides enterprise-level, reliable connections that complement existing services, such as security, virtual private networks (VPNs), Voice over Internet Protocol (VoIP), private networking, cloud, managed services and web hosting.
        • Burstable select and tiered pricing options that allow you to choose the best option for your usage patterns.

        Extensive coverage and reach:

        • Global and scalable enterprise-level IP network connectivity that offers multiple, full-duplex bandwidth options (T1 to 100 Gbps)
        • Positioned as a Leader in Gartner’s “Magic Quadrant for Network Services, Global” (January 2016)
        • Support for hybrid networking and dual-stack (IPv4 and IPv6) options within the U.S., EMEA, and Asia-Pacific regions

        Commitment to reliability:

        • SLAs that include 24×7 monitoring and reporting capabilities. View our performance history.
        • QoS options that help you prioritize important applications and network traffic.
        • Optional distributed denial-of-service (DDoS) protection on dedicated internet services.

        Gartner names Verizon a Leader in its Magic Quadrant for Network Services, Global.

        New technologies are transforming the market. Find out why Verizon is recognized as a leader.

        2017 J.D. Power award press release

        J.D. Power ranks us “Highest in Customer Satisfaction with Large Enterprise Business Wireline Service,Two Years in a Row. ¹ ”

        Customer Premises Equipment Monthly Recurring Plan

        Get customer premises equipment for a flat monthly fee as a part of a solution tailored to meet your business goals.

        Private IP Network

        Get both speed and security to run mission-critical applications across diverse, any-to-any network connections.

        Let us manage your networking needs so you can focus on improving your company’s performance and staying ahead of the competition.

        Boost your business with the right internet connections.

        Keep your business open with reliable connections.

        Find out how to increase your network intelligence.

        We have powerful answers that can help you take networking to the next level.

        We know networks.

        Our experts can help you improve your network and business performance.

        Services and/or features are not available in all countries/locations, and may be procured from in-country providers in select countries. We continue to expand our service availability around the world. Please consult your Verizon Business representative for service availability. Contact us




        ASX Markets Overview, Australian Stock Exchange, stock markets.#Stock #markets


        stock markets

        Stock markets

        Shares ended the week on a sour note but remained comfortably above the 6000-point threshold reached on Tuesday to hover around post-GFC highs.

        Miners, energy stocks weigh on ASX

        Stock markets

        The local sharemarket ended the week on a sour note but remained comfortably above the 6000-point threshold reached on Tuesday to hover around post-GFC highs.

        Hasty rate hikes could trigger housing crash, UBS warns

        Stock markets

        As property prices come off, but wages fail to grow, people are much more sensitive to interest rate hikes, says UBS.

        Why Bitcoin’s bubble might not burst just yet

        Stock markets

        • COMMENT

        With a rise in value from $US6000 to $US7000 in a mere 13 days, experts predict its ascent can’t last – but are they right?

        [email protected]: ASX set to finish week on dour note

        Stock markets

        • Sponsored

        The local sharemarket is tipped to open sharply lower as global markets retreated.

        Why the ‘Trump trade’ is not all about him, one year on

        Stock markets

        Despite the US president’s claims, there’s much more to the so-called ‘Trump trade’ than The Donald himself.

        Banks, miners spearhead ASX push beyond 6000

        Stock markets

        Shares extended this week’s push through the 6000 level on Thursday, with miners and banks leading the advance.

        ASX-listed daigou business surges 25pc

        Stock markets

        Investors have poured into Australia’s only listed daigou business, boosting the share price more than 25 per cent this week.




        The 100 Startup, start your own business ideas.#Start #your #own #business #ideas


        start your own business ideas

        Start your own business ideas

        Imagine a life where all your time is spent on the things you want to do.

        Imagine handing a letter to your boss that reads, “Dear Boss, I’m writing to let you know that your services are no longer required. Thanks for everything, but I’ll be doing things my own way now.”

        Imagine that today is your final day of working for anyone other than yourself. What if—very soon, not in some distant, undefined future—you prepare for work by firing up a laptop in your home office, walking into a storefront you’ve opened, phoning a client who trusts you for helpful advice, or otherwise doing what you want instead of what someone tells you to do?

        All over the world, and in many different ways, thousands of people are doing exactly that. They are rewriting the rules of work, becoming their own bosses, and creating a new future.

        Start your own business ideas

        In The $100 Startup, Chris Guillebeau shows you how to lead a life of adventure, meaning and purpose — and earn a good living.

        Still in his early thirties, Chris is on the verge of completing a tour of every country on earth — he s already visited more than 175 nations — and yet he s never held a real job or earned a regular paycheck. Rather, he has a special genius for turning ideas into income, and he uses what he earns both to support his life of adventure and to give back.

        There are many others like Chris — those who ve found ways to opt out of traditional employment and create the time and income to pursue what they find meaningful. Sometimes, achieving that perfect blend of passion and income doesn t depend on shelving what you currently do. You can start small with your venture, committing little time or money, and wait to take the real plunge when you re sure it s successful.

        In preparing to write this book, Chris identified 1,500 individuals who have built businesses earning $50,000 or more from a modest investment (in many cases, $100 or less), and from that group he s chosen to focus on the 50 most intriguing case studies. In nearly all cases, people with no special skills discovered aspects of their personal passions that could be monetized, and were able to restructure their lives in ways that gave them greater freedom and fulfillment.

        Here, finally, distilled into one easy-to-use guide, are the most valuable lessons from those who ve learned how to turn what they do into a gateway to self-fulfillment. It s all about finding the intersection between your expertise — even if you don t consider it such — and what other people will pay for.

        You don t need an MBA, a business plan or even employees. All you need is a product or service that springs from what you love to do anyway, people willing to pay, and a way to get paid

        Not content to talk in generalities, Chris tells you exactly how many dollars his group of unexpected entrepreneurs required to get their projects up and running; what these individuals did in the first weeks and months to generate significant cash; some of the key mistakes they made along the way, and the crucial insights that made the business stick. Among Chris s key principles: if you re good at one thing, you re probably good at something else; never teach a man to fish — sell him the fish instead; and in the battle between planning and action, action wins.

        In ancient times, people who were dissatisfied with their lives dreamed of finding magic lamps, buried treasure, or streets paved with gold. Today, we know that it s up to us to change our lives. And the best part is, if we change our own life, we can help others change theirs. This remarkable book will start you on your way.

        Resource Updates

        Sign up here to be emailed new updates and resources from the book.

        Resources

        Downloadable PDFs

        You ll need the latest version of Acrobat Reader to open and view these PDF files.

        • Start your own business ideas
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        • Start your own business ideas
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        • Start your own business ideas

        Our partner site, UnconventionalGuides.com, offers additional paid resources.

        If you re looking to set up your first (or your tenth!) website, InMotion is easy and cheap. They ve agreed to offer a 50% off discount for all $100 Startup readers.

        Starting in New York City and going to the ends of the earth, we ll be hitting all 7 continents with the message of The $100 Startup.

        Chris is currently on tour hiatus while preparing for the World Domination Summit and completing a new book. More tour dates will be coming later this year!

        If you represent a group, organization, or bookstore, you can also suggest a future tour stop.

        You can see dates of previous stops on the list at the right or the map at the bottom.




        How to Finance Your Start-up Business, Small Business BC, start up business grants.#Start #up #business #grants


        Small Business BC

        How to Finance Your Start-up Business

        If you’re planning on starting a business, chances are you’ll need some form of capital, which simply refers to the money that finances your business.

        One reason for the failure of many small businesses is that they undercapitalize their business. Therefore, it is important that you know how much money you will actually need to start and to run your business until you reach your break-even point—the point when your sales revenue equals your total expenses.

        Ask yourself:

        • How much money is required to start this business?
        • How much of your own money do you have for this business?
        • Do you already own any of the assets needed to start this business?
        • Do you have family, friends, acquaintances, or others who are willing and able to invest in this business?
        • Do you have a strong personal credit rating or lines of credit available?

        Equity Investment

        Equity means ownership. With equity investment, an investor makes money available for use in exchange for an ownership share in the business. If you use equity investment, be sure to consider how much ownership you’re willing to give up, and at what price. Once you sell 51 percent of your shares, you lose control of your company.

        Equity investment includes any money from individuals, including yourself, or other companies in your business. This money may be from personal savings, inheritance, personal loans, friends or relatives, business partners, or stockholders. These funds are not secured on any of your business assets.

        But, before going down this road, it is important to know the BC laws that apply to any company or other entity that raises money from investors. To find our more read our article: Seeking Equity Investment? Know the Rules

        Personal Savings: The Most Common Form of Equity Investment

        You’ll likely get most of your start-up funding from your personal savings, inheritances, friends, or family. In fact, according to Statistics Canada’s Survey of Financing of Small and Medium Enterprises 2007, 76% of small businesses in British Columbia financed their business with personal savings.

        Aim to fund 25% to 50% of your business from your own pocket. This shows prospective lenders and investors that you are personally assuming some risk, and are committed to your business success. It’s also a requirement for many small business loans, which are usually secured (i.e. backed by assets).

        Throughout the course of your business, try to keep a personal investment of at least 25% in your business to increase your equity position and leverage. The more equity your business has, the more attractive it makes you to banks that can loan you up to three times your equity.

        Debt Financing

        1. Government Funding

        Typically, the most sought-after type of financing is government grants because it’s free money that you don t have to pay back. Unfortunately, a grant might not be an option for your business because not only are there very few grants available, most are geared towards specific industries or groups of people such as youth, women, or aboriginal owners.

        The majority of government funding programs are typically loans, for which you ll be required to repay the principal amount plus interest.

        In 2007, only 2% of businesses obtained some sort of government funding or assistance. You can find information about government funding programs for free:

        • Search the Canada Business Grants and Finances section, which lists available government programs across Canada.
        • Contact your industry association to find out if they know of any grants you might be eligible to receive.

        Since the application process varies from program to program, you should contact the coordinator of the program that you’re interested in to find out what the specific application requirements and process are.

        2. Commercial Loans

        Commercial or personal loans from financial institutions account for the second most common form of financing at 44%.

        • Long-term loans. Use long-term loans for larger expenses or for fixed assets that you expect to use for more than one year, such as property, buildings, vehicles, machinery, and equipment. These loans are generally secured by new assets, other unencumbered physical business assets, and/or additional stakeholder funds or personal guarantees.
        • Short-term loans. Short-term loans are usually for a one-year term or less, and can include revolving lines of credit or credit cards. These are generally used to finance day-to-day expenses such as inventory, payroll, and unexpected or emergency items, and can be subject to a higher base interest rate.

        Getting Your Loan Approved: What do Potential Lenders Look For?

        Many lenders will look for the four “C’s of Lending” when evaluating a loan application:

        1. Cash flow. Your ability to repay the cash you are borrowing. This is measured using the cash flow forecast that you created for your business plan.
        2. Collateral. The value of assets that you are willing to pledge for assurance that you will repay your loan. A dollar amount will be placed on these assets and that will be compared to the amount of the loan you requested.
        3. Commitment. The amount of money that you re committing to your business. You can’t expect to obtain a loan without contributing a fair share yourself.
        4. Character. Your personal credit score and history with the financial institution. Your credit rating or score is calculated from your history of borrowing and repaying bank loans, credit cards, and personal lines of credit. Without a good credit rating, your loan prospects decrease significantly.

        A lender might determine how much to lend you by evaluating your cash flow, collateral, and commitment. They will then subtract your existing debt to arrive at a final amount. Note that lenders look at the limit on your credit cards, not the amount you re currently using.

        Typically, start-ups are not rich in assets so you may be required to secure your business loans with personal collateral such as your house or vehicle(s).

        The difference between a private lender and a government program is the relative importance of these four C’s. A bank might place more importance on “collateral” and “commitment”, whereas a government program can often decrease the need for these by providing a government guarantee to the lender.

        Make a Good Impression With Your Lenders

        You can increase your chances of securing a loan by:

        • Having strong management and staff
        • Showing steady business growth potential
        • Showing reliable projected cash flow
        • Offering collateral
        • Having a strong personal credit rating
        • Always making your loan and interest payments on time, and never missing a payment



        Monkey business, monkey business.#Monkey #business


        Mrs. Miner’s Kindergarten Monkey Business

        Monkey business

        Monkey business

        Monkey business

        Monkey business

        Tuesday, January 24, 2017

        FREE Groundhog Pokey Pin Kit

        Monkey business

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        Monkey businessMonkey business

        Monday, September 26, 2016

        Pokey Pinning Differentiated For You- Try it Free Today!

        Monkey business

        Monkey businessHappy new school year! I know, I’ve been missing in action for awhile, but I’m back to tell you about my newest addition to the Pokey Pin collection. AND to give you a FREE try. I introduced Pokey Pinning to my kiddos today using my freebie I made this weekend and they loved it! We will be doing it during the word work portion of Daily 5, as well as when they finish their jobs during our Word Study block.

        I think everyone knows about Pokey Pinning by now, but, if you don’t, go ahead and read my Pokey Pinning 101 directions that give you everything and more you’d ever need to know about the fun and educational fine motor activity.

        My new sets come with 3 levels of differentiation: Word or letter-less, just the letter being focused on, OR labeled pictures.

        If you want to try full sheet Pokey Pinning, click here to grab my latest freebie.

        Monkey business Monkey business Monkey business

        Monkey business

        Monkey business

        Monkey business




        Monkey business#Monkey #business


        monkey business

        • Monkey business
        • Monkey business
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        • Monkey business

        Monkey Business let visitors get up close to the world of primates, from the tiny mouse lemur to the mighty gorilla. Featuring more than 60 taxidermy specimens created especially for the exhibition, as well as photography, film and hands-on interactives for all ages, this immersive, family-friendly exhibition took visitors into the heart of the jungle.

        The exhibition is now touring internationally – you can find out more about the tour here.

        All the taxidermy specimens in the exhibition are animals that have died naturally in captivity. No animals were harmed for this exhibition.

        Inside the exhibition

        • Monkey business
        • Monkey business
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        Photos © Phil Wilkinson.

        Visitors’ views

        Behind the scenes

        How do you prepare over 60 taxidermy specimens for display? The slideshow and film below shows how the monkeys, apes and other primates have been primped and preened for their moment in their spotlight.

        • Monkey business
        • Monkey business
        • Monkey business
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        • Monkey business

        Monkey business




        How to Start a Home Business 1-2-3, start up business grants.#Start #up #business #grants


        start up business grants

        Start up business grantsThis 2017 business start-up checklist is a basic guideline for all home business owners. We’ve included lots of resources and tools that have helped us save time and money in our own business. Hopefully they can help you save time and money too!

        Some steps apply to all businesses, while others do not. Keep this in mind as you go through the checklist. Some steps may not be applicable to you now, but the information may come in handy as you grow your business

        Work from Home as a Virtual Assistant

        Start up business grantsA virtual assistant (VA) is an entrepreneur who provides administrative, technical or marketing assistance to clients from a remote location, usually a home office.

        A few years of office experience is expected, and workers take jobs on a long-term contract basis for customers. They communicate via phone, fax or internet services and sometimes may not meet the client in person

        Starting a Home-Based Cleaning Business

        Start up business grantsUsually, you can start your own residential or commercial cleaning company right out of your home. No matter what niche you choose to specialize in, you can usually eliminate most of the traditional start-up costs by working out of your house. Start small and grow your company as you get more clients

        How to Open a Group Home

        Start up business grantsThis page focuses on starting a senior care home or nursing home. However, there are different types of group homes you can start in addition to elderly group homes, such as teen group homes, homes for children, mental health group homes and homes for those with disabilities. Many of the concepts and ideas can be used in most businesses.

        In most cases, these are private residences which may have been converted for the purpose of providing living space and assistance to small groups (usually under 20) of people. These people share common living spaces, and there is staff or a resident manager on the premises

        How to Start a Massage Business from Home

        Start up business grantsWhether for therapy, relaxation or rehabilitation, massage therapists are in high demand. Many clients use massage therapy on a regular basis, while others for special occasions or medical treatment.

        Sports Massage Therapy is a growing field and is one of the most profitable forms of massage services. Sports therapists help relieve athletes of pain, stress and can actually help them heal from injuries

        How to Launch a Coaching Business

        Start up business grantsLife Coaches help people in a variety of different ways.

        Besides business and career goals, people want help achieving relationship goals, weight management goals, time management goals, family goals, retirement goals and more.

        As a coach, you can work virtually or in person with clients. It s a very versatile opportunity that allows entrepreneurs to work at home, and it can be a very rewarding career.

        Start a Home-Based Interior Decorating Business

        Start up business grantsInterior decorating and design goes way beyond homes – think restaurants, hotels, spas, art galleries, model homes, corporate offices, even bed and breakfast inns.

        Entrepreneurs on a budget can establish a home office as their hub , while visiting clients on site or even virtually.

        Starting with small re-design jobs is often a great way to get your foot in the door by proving your skills and expertise, so don’t rule out big jobs: just make the right connections!

        How to Open a Home-Based Catering Service

        Whether you like working with small private parties, large corporate businesses or festive wedding events, there is good money to be made in catering. You can even start your own catering company without having formal cooking training

        5 Top Home Business Ideas:

        How to Start an Interior Design

        Business from Home

        Start up business grants

        How to Start a Bookkeeping

        Business from Home

        Start up business grants

        a Food Truck Business

        Start up business grants

        a Handyman Business

        Start up business grants

        How to Start a Makeup Artist

        Business from Home

        Start up business grants