Tag : Smart

6 Smart Budgeting Tips for Small Business Owners #ideas #for #new #business


#small business tips

#

6 Smart Budgeting Tips for Small Business Owners

If you run a small business, it s likely that you re operating on a relatively limited budget. Whether you bootstrapped your business or are trying to pay back loans you took out to cover your startup costs, it s in your best interest to conserve money wherever you can.

Without a thorough budget plan, however, it can be difficult to track and manage your finances. This is especially true for any unexpected business expenses that may come up, as they often do. A 2015 survey by small business credit provider Headway Capital found that although 57 percent of small business owners anticipated growth this year, nearly 19 percent were concerned about how unexpected expenses would impact their business.

If you want to keep your business operating in the black, you ll need to account for both fixed and unplanned costs, and then create and stick to a solid budget. Experts offered their advice for small business owners looking to keep their finances in order. [4 Tips for Reducing Startup Costs]

Define and understand your risks

Every business venture has a certain degree of risk involved, and all of those risks have the potential for a financial impact on your company. Paul Cho, managing director of Headway Capital, said that small business owners need to consider their long- and short-term risks to accurately plan for their financial future.

How will changes in minimum wage or health care requirements impact your workforce? Cho said. Do you operate in a geography at high risk of a natural disaster? Do you rely heavily on seasonal workers? Understanding the potential risks facing you on a short- and long-term basis is important for all small businesses. Once you ve mapped out the threats to productivity, a clearer picture can be built around emergency planning, insurance needs, etc.

Overestimate your expenses

If your business operates on a project-to-project basis, you know that every client is different and no two projects will turn out exactly the same. This means that often, you can t predict when something is going to go over budget.

Every project seems to have a one-time cost that was never anticipated, said James Ontra, CEO of presentation management company Shufflrr. It usually is that one unique extra item [that is] necessary to the job, but [was] not anticipated when bidding the job.

For this reason, Ontra advised budgeting slightly above your anticipated line-item costs, no matter what, so that if you do go over, you won t be fully unprepared.

I go by the cost-moon-stars theory, he said. If you think it will cost the moon, expect to pay the stars.

Pay attention to your sales cycle

Many businesses go through busy and slow periods over the course of the year. If your company has an off-season , you ll need to account for your expenses during that time. Cho also suggested using your slower periods to think of ways to plan ahead for your next sales boom.

There is much to be learned from your sales cycles, he said. Use your downtime to ramp up your marketing efforts while preventing profit generation from screeching to a halt. In order to keep your company thriving and the revenue coming in, you will have to identify how to market to your customers in new and creative ways.

Plan for large purchases carefully and early

Some large business expenses occur when you least expect them a piece of equipment breaks and needs to be replaced or your delivery van needs a costly repair, for instance. However, planned expenses like store renovations or a new software system should be carefully timed and budgeted to avoid a huge financial burden on your business.

Substantial business changes need to be timed carefully, balancing the risk with the reward and done with a full understanding of the financial landscape you re operating within, Cho told Business News Daily. An up-to-date budget and data-driven financial projections are important components that help guide when to make large investments in your business.

Remember that time is money, too

One of the biggest mistakes small businesses make is forgetting to incorporate their time into a budget plan. Ontra reminded business owners that time is money, especially when working with people who are paid for their time.

Timing underestimation directly increases costs, Ontra said. For us, the biggest underestimation is allotting time for client feedback. It is a Herculean effort sometimes to meet a deadline with lots of people focused on a single task. Then, the client needs to give feedback for us to proceed. If the client is distracted with other issues, feedback planned for a three-day turnaround, can become a week or longer. Not only do you start to lose time to the delivery schedule, your team also loses momentum as their collective thought shifts focus to another project.

Ontra recommended treating your time like your money, and set external deadlines later than when you think the project will actually be done.

If you believe the project will finish on Friday, promise delivery on Monday, he said. So, if you finish on Friday, deliver the work early and become a star. If for some reason time runs over, deliver on Monday and you are still a success.

Constantly revisit your budget

Your budget will never be static or consistent it will change and evolve along with your business, and you ll need to keep adjusting it based on your growth and profit patterns. Cho suggested revising your monthly and annual budgets regularly to get a clearer, updated picture of your business finances.

Regularly revisiting your budget will help you better control financial decisions because you will know exactly what you can afford to spend versus how much you are projecting to make, Cho said. Take into account market trends from the previous year to help you determine what this year may look like. Once you have a clear understanding of your business s budgetary needs, you can accurately forecast what can be set aside for an emergency fund or unexpected costs.

Nicole Fallon Taylor

Nicole received her Bachelor s degree in Media, Culture and Communication from New York University. She began freelancing for Business News Daily in 2010 and joined the team as a staff writer three years later. She currently serves as the assistant editor. Reach her by email. or follow her on Twitter .

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  • The World – s Coolest Business Card Holder – Smart Armor Tech

    #business card holder

    #

    The World s Coolest Business Card Holder

    Business card holders – who really puts a lot of thought into these? Well, people who work in offices certainly do. Patrick Bateman most certainly does. If you are in a sales capacity, I can’t imagine you not keeping a few business cards always at the ready. There are even professions that are essentially a part of sales that some employees don’t know. If you are in a customer facing position, or are adept at speaking persuasively to strangers you meet at the grocery store about the product or service your company provides, you are in sales! So that means that even you need to start carrying some business cards.

    If you are going to carry business cards, you will need a good place to keep them. A wallet is not adequate for carrying a large number of business cards, not to mention that wallets are often very hard on whatever is placed within them. Your beautiful business cards will have folded corners, lint, and ink smudges pretty soon. Business card boxes are the way to go.

    There are tons of styles to consider when buying a business card holder for men or women. The Best Wallet 2015 website has a great updated list for some of the world’s coolest business card holders. The styles range from soft to hard, leather to metal, and all are sleek and stylish in their own way. We are biased, but we think the Smart Armor Safe would make the best business card holder for men. It’s tough enough to protect your business cards, and opens up via Bluetooth for a cool and dramatic presentation!

    So, have you checked the business card holder list? http://bestwallet2015.com/beautiful-best-business-card-holder-for-men/
    Which is your favorite and what qualities do you look for in a business card holder? Please comment below.

    Share This Story, Choose Your Platform!

    Leave A Comment Cancel reply

    What is Smart Armor®?

    Smart Armor® is an IOT company that provides Bluetooth enabled micro-locking systems integrated into valuable physical objects controlled via mobile device.

    Our Products



    6 Smart Budgeting Tips for Small Business Owners #small #business #loans


    #small business tips

    #

    6 Smart Budgeting Tips for Small Business Owners

    If you run a small business, it s likely that you re operating on a relatively limited budget. Whether you bootstrapped your business or are trying to pay back loans you took out to cover your startup costs, it s in your best interest to conserve money wherever you can.

    Without a thorough budget plan, however, it can be difficult to track and manage your finances. This is especially true for any unexpected business expenses that may come up, as they often do. A 2015 survey by small business credit provider Headway Capital found that although 57 percent of small business owners anticipated growth this year, nearly 19 percent were concerned about how unexpected expenses would impact their business.

    If you want to keep your business operating in the black, you ll need to account for both fixed and unplanned costs, and then create and stick to a solid budget. Experts offered their advice for small business owners looking to keep their finances in order. [4 Tips for Reducing Startup Costs]

    Define and understand your risks

    Every business venture has a certain degree of risk involved, and all of those risks have the potential for a financial impact on your company. Paul Cho, managing director of Headway Capital, said that small business owners need to consider their long- and short-term risks to accurately plan for their financial future.

    How will changes in minimum wage or health care requirements impact your workforce? Cho said. Do you operate in a geography at high risk of a natural disaster? Do you rely heavily on seasonal workers? Understanding the potential risks facing you on a short- and long-term basis is important for all small businesses. Once you ve mapped out the threats to productivity, a clearer picture can be built around emergency planning, insurance needs, etc.

    Overestimate your expenses

    If your business operates on a project-to-project basis, you know that every client is different and no two projects will turn out exactly the same. This means that often, you can t predict when something is going to go over budget.

    Every project seems to have a one-time cost that was never anticipated, said James Ontra, CEO of presentation management company Shufflrr. It usually is that one unique extra item [that is] necessary to the job, but [was] not anticipated when bidding the job.

    For this reason, Ontra advised budgeting slightly above your anticipated line-item costs, no matter what, so that if you do go over, you won t be fully unprepared.

    I go by the cost-moon-stars theory, he said. If you think it will cost the moon, expect to pay the stars.

    Pay attention to your sales cycle

    Many businesses go through busy and slow periods over the course of the year. If your company has an off-season , you ll need to account for your expenses during that time. Cho also suggested using your slower periods to think of ways to plan ahead for your next sales boom.

    There is much to be learned from your sales cycles, he said. Use your downtime to ramp up your marketing efforts while preventing profit generation from screeching to a halt. In order to keep your company thriving and the revenue coming in, you will have to identify how to market to your customers in new and creative ways.

    Plan for large purchases carefully and early

    Some large business expenses occur when you least expect them a piece of equipment breaks and needs to be replaced or your delivery van needs a costly repair, for instance. However, planned expenses like store renovations or a new software system should be carefully timed and budgeted to avoid a huge financial burden on your business.

    Substantial business changes need to be timed carefully, balancing the risk with the reward and done with a full understanding of the financial landscape you re operating within, Cho told Business News Daily. An up-to-date budget and data-driven financial projections are important components that help guide when to make large investments in your business.

    Remember that time is money, too

    One of the biggest mistakes small businesses make is forgetting to incorporate their time into a budget plan. Ontra reminded business owners that time is money, especially when working with people who are paid for their time.

    Timing underestimation directly increases costs, Ontra said. For us, the biggest underestimation is allotting time for client feedback. It is a Herculean effort sometimes to meet a deadline with lots of people focused on a single task. Then, the client needs to give feedback for us to proceed. If the client is distracted with other issues, feedback planned for a three-day turnaround, can become a week or longer. Not only do you start to lose time to the delivery schedule, your team also loses momentum as their collective thought shifts focus to another project.

    Ontra recommended treating your time like your money, and set external deadlines later than when you think the project will actually be done.

    If you believe the project will finish on Friday, promise delivery on Monday, he said. So, if you finish on Friday, deliver the work early and become a star. If for some reason time runs over, deliver on Monday and you are still a success.

    Constantly revisit your budget

    Your budget will never be static or consistent it will change and evolve along with your business, and you ll need to keep adjusting it based on your growth and profit patterns. Cho suggested revising your monthly and annual budgets regularly to get a clearer, updated picture of your business finances.

    Regularly revisiting your budget will help you better control financial decisions because you will know exactly what you can afford to spend versus how much you are projecting to make, Cho said. Take into account market trends from the previous year to help you determine what this year may look like. Once you have a clear understanding of your business s budgetary needs, you can accurately forecast what can be set aside for an emergency fund or unexpected costs.

    Nicole Fallon Taylor

    Nicole received her Bachelor s degree in Media, Culture and Communication from New York University. She began freelancing for Business News Daily in 2010 and joined the team as a staff writer three years later. She currently serves as the assistant editor. Reach her by email. or follow her on Twitter .

    You May Also like

    What is Zero-based Budgeting?

  • Organization is Key to Managing Business Finances

  • Don t Burn Through Your IT Budget: 5 Ways to Save Money



  • Smartphone Ultrasound, MobiUS SP1 #smartphone #ultrasound, #smartphone #ultrasound #attachment, #smartphone #ultrasound #probe,

    #

    Yes, it s on a smartphone where you can call up the future of medicine.

    This is a game changer. It’s quick and easy to use. It can expedite diagnosis and guide injections, aspirations and line placements. It’s so affordable that cost need not be a barrier to care. Until now, 60% of the world did not have access to ultrasound. It was too costly or simply not portable enough to get to them. Those days are over.

    • Small and portable
      The MobiUS SP1 System can fit in your pocket and it’s light enough to take anywhere. So you can take imaging to your patient, easily.
    • Easy
      We’ve gone to great lengths to ensure the MobiUS SP1 is quick to learn and simple to operate.
    • Connected
      Images are readily stored in 8 GB capacity and quickly shared from the MobiUS SP1 smartphone ultrasound device via secure Wi-Fi, cellular networks or USB.
    • Affordable
      We’ve put imaging within the economic reach of healthcare professionals – everywhere. Now smaller, more resource-constrained facilities and healthcare teams can offer more complete care.

    Display: 4.1″ WVGA (800×480) touch screen

    Dimensions: 5.1″ x 2.76″ x 0.4″ (130mm x 70mm x 9.9mm)

    Weight: 11.6 oz (includes probe)

    Image Resolution: Up to 480×480

    Image storage: 8 GB or optional additional storage up to 32 GB

    Share Images: Email or USB sync to PC

    Network Connectivity: Wi-Fi or cellular

    Battery: Continuous scan time over 60 min; Extended Battery: up to 330 min continuous scan time

    Supported Transducers:
    3.5 and 5.0 MHz — Abdominal, OB/Gyn, guidance procedures
    7.5 and 12 MHz — Vascular, guidance procedures, small organs

    Primary Care: Abdomen, Aorta, Kidneys, Gallbladder, Thyroid, Soft Tissue, Vascular, Small organs, Implants, Foreign Bodies, Bladder

    OB/GYN: Pregnancy confirmation/Dates, Viability, Placenta, Fetal presentation, Ectopic pregnancy, Amniotic Fluid Assessment

    Emergency Medicine: FAST exam to detect impact of trauma, Vascular, Small organs, Chest, OB/Gyn, Cardiac

    Vascular: DVT evaluation, vascular access and line placement, Carotid

    Videos Images



    Gift Ideas, Cool Gadgets, Unique Gifts for Him and Her at Brookstone,

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    Gronkball – Football and Bluetooth Speaker

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    Brookstone Gift Cards

    Smart home ipad

    Energize 3D Massage Chair

    Smart home ipad

    NAP Weighted Blanket

    Smart home ipad

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    Fitbit Ionic Smart Watch

    Smart home ipad

    Gronkball – Football and Bluetooth Speaker

    Smart home ipad

    Sphero R2-D2 App-Enabled Droid

    Smart home ipad

    BullRest Travel Pillow

    Smart home ipad

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    Fizzics Waytap Draft Beer System

    Smart home ipad

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    Deluxe Zero-Gravity Lounger with Sunbrella Fabric Memory Foam

    Smart home ipad

    Promo Code: LABOR25

    Smart home ipad

    Latest and Greatest from Brookstone

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    Upgrade Your Next Tailgate Party at Brookstone

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    Give the perfect gift everytime

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    Brookstone.com is your destination for unique gift ideas and smart products. For the latest savings, visit our coupons page: Brookstone Coupons.

    To find a store near you, visit our Store Locator or view our Store Index.



    Mobile App #fema #app, #fema #application, #smart #phone #app


    #

    Mobile App

    Install the FEMA App, available for Apple, Android, and Blackberry mobile devices.

    Download the App

    You can also download the app via text messaging:

    • If you have an Apple device: Text APPLE to 43362 (4FEMA)
    • If you have an Android device: Text ANDROID to 43362 (4FEMA)

    If you use text messaging, standard message and data rates apply. Learn more about our text messages .

    Features in the App

    • Alerts from the National Weather Service: Receive severe weather alerts for up to five locations across the U.S. and see information about how to stay safe.
    • Disaster Reporter. Upload and share photos of damage and recovery efforts.
    • Maps of disaster resources: Locate and receive driving directions to open shelters and disaster recovery centers.
    • Apply for assistance: Easily access DisasterAssistance.gov to apply for federal disaster assistance.
    • Custom emergency safety information: Save a custom list of the items in your family’s emergency kit, as well as the places you will meet in case of an emergency.
    • Safety tips: Receive safety and preparedness reminders and learn how to stay safe before, during, and after over 20 types of hazards, including floods, hurricanes, tornadoes and earthquakes.
    • Information in Spanish: Easily toggle between English and Spanish for all features of the app.

    Promotional Toolkit

    En Español



    Acadian Total Security #home #security #system, #home #security #lafayette #la, #security #systems,

    #

    Security Systems • Smart Home • Access Control • Medical Alerts • GPS Fleet Management

    Home Security Systems

    Gone are the days of a hardwired home security systems that relied on landline phone service. Today, Acadian Total Security’s wireless and cellular security systems can be controlled from anywhere using your smartphone.

    Acadian Total Security’s touchscreen panels seamlessly integrate home security system and automation features. Your panel can not only arm your system, it can control connected devices, including security features, motion sensors, smoke and carbon monoxide detectors, video security cameras, doorbells, locks, indoor and outdoor lights, garage doors, thermostats, and hundreds of home automation gadgets through one simple and convenient platform. Remotely manage your panel and devices from your smartphone or tablet, and remain in control no matter where you are.

    Plus, the app is now compatible with Apple Watch, Apple TV, Amazon Fire TV, Amazon Echo and other Alexa-enabled devices.

    The days of a smart home are here, and Acadian Total Security can help equip your home to protect and work for you. Save time, worry less and feel comfortable knowing your home and loved ones are protected by the best in the industry.

    Security Cameras – Live Streaming Video

    Video surveillance is a strong security solution for both home and business owners.

    Keep an eye on your children, babysitters, elderly relatives, pets, housekeepers, contractors and other service employees, package deliveries, and more.

    Monitor vulnerable spots like front and back entrances, patios, pool areas, storage sheds and others.

    Business owners can keep an eye on the premises and watch for suspicious customer or employee activity, reducing fraud, administrative error, and money theft.

    When Acadian Total Security installs strategically placed video cameras and connects them to your home security system, you can view live, streaming video or receive real-time alerts of important events when they occur. Be notified as soon as our cameras detect motion.

    While there are many security cameras on the market, the benefit of cameras from Acadian Total Security is in the monitoring. If a security threat is present, our certified video analysts respond right away and dispatch the proper authorities if necessary.

    Business Security Systems

    Your finger is always on the pulse of your business. Think you forgot to lock the door to a restricted area? Just reach for your smartphone and check. You can keep an eye on your employees in the front of the store or supervise a delivery via your smart phone or tablet while you’re away.

    Acadian Total Security has complete business security options to cover all aspects of your company. We can equip you with burglary protection, loss prevention, fire and carbon monoxide detection, video surveillance and analytics, access control systems, panic and holdup alert systems, remote audio communication devices, video patrols, energy automation and GPS fleet management.

    Our expert video monitoring analysts remotely keep watch on your business through virtual guard patrols, video verification, and talk-down or two-way audio. You receive video analytics and hosted video storage.

    • Up-the-Coax Control of Hikvision TurboHD Cameras
    • H.264+ for Reduced Bandwidth + Increased Storage
    • HDMI (2K, 4K), VGA (1080p) Output
    • 2 MP High-Performance CMOS Sensor
    • Analog HD Output, Up to 1080p Resolution

    About Us

    An Acadian Total Security home or business security system will help prevent property crimes. Acadian Total Security protects more than 150,000 homes and businesses in Acadiana and across the nation. Our experience in home security, video surveillance, and smart home automation is unmatched, Acadian is the obvious choice to provide monitored security services and equipment for your home or business.

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    Boost Your Real Estate Business With Smart Real Estate Management Software #penny

    #real estate business

    #

    Boost Your Real Estate Business With Smart Real Estate Management Software

    Due to its eye popping attractions, glamorous lifestyle, and internationally acclaimed real estate, Dubai stands as being one of the strongest hubs for real estate agents. The ever-expanding construction projects in the UAE have brought rise to hundreds of real estate agencies that are focused on bringing a world-class experience to anyone buying property in the UAE.

    Available real estate in areas such as Business Bay, Arabian Ranches, Dubai Marina, The Palm Jumeirah, Downtown Dubai, Al Warqaa, Jumeirah Lake Towers (JLT) and many others are being offered by real estate agents to not only those living in Dubai, but all over the world.

    What are Real estate websites why are they used?

    Real estate websites are known to provide a database of available property, villas, apartment, land, etc. to anyone seeking looking to purchase.

    For real estate agents and brokers, it is becoming challenging to deal with the increasing traffic on their real estate websites. This has resulted in web development companies developing what is known as real estate management software. This software has been created to help manage the overwhelming records and data of property being offered on a relator’s website.

    Some known property management software:

    Many companies that work on web application development are hence developing property management software that is used by real estate agents to facilitate their business. AppFolio Property Manager, MRI Residential Management, Propertyware and roomMaster are some of such software that is widely used, more can be found here.

    Benefits of Using Real Estate Management Software

    Real estate management software provides a platform to manage properties, payments, accounting, selling record and all such utilities at one place no matter what platform you are accessing from (phone, tablet, PC). It provides you the tools that you need to manage your real estate.

    It includes management tools that are helpful in managing your properties in less time thus allowing you to focus your time on revenue optimization by offering a self-automated process. They are designed to facilitate leasing, renting, and purchasing activities carried out in one place.

    These platforms are also helpful in networking with thousands of property management companies, investors, real estate managers and others worldwide. This will help you to promote your property as well as enhance sales and attract more visitors to your business.

    Real estate applications are used to help businesses become more organized while also increasing productivity. This software offers website integration, smart electronic payments, and online file management along with recurring transactions.

    Property management software is also used to speed up the working process of property selling or renting by tracking multiple accounts. This process shortens the document processing time by offering maximum credibility to maintain data confidentially.

    For real estate in Dubai, the property management software mentioned above is helpful in boosting your business with automatic and built-in features. At eTek Studio, our services offer web development in Dubai that also includes the designing and development of real estate management software.

    Call us now to get your property management software professionally developed by eTek Studio.

    Submit your comments Cancel reply



    The World – s Coolest Business Card Holder – Smart Armor Tech

    #business card holder

    #

    The World s Coolest Business Card Holder

    Business card holders – who really puts a lot of thought into these? Well, people who work in offices certainly do. Patrick Bateman most certainly does. If you are in a sales capacity, I can’t imagine you not keeping a few business cards always at the ready. There are even professions that are essentially a part of sales that some employees don’t know. If you are in a customer facing position, or are adept at speaking persuasively to strangers you meet at the grocery store about the product or service your company provides, you are in sales! So that means that even you need to start carrying some business cards.

    If you are going to carry business cards, you will need a good place to keep them. A wallet is not adequate for carrying a large number of business cards, not to mention that wallets are often very hard on whatever is placed within them. Your beautiful business cards will have folded corners, lint, and ink smudges pretty soon. Business card boxes are the way to go.

    There are tons of styles to consider when buying a business card holder for men or women. The Best Wallet 2015 website has a great updated list for some of the world’s coolest business card holders. The styles range from soft to hard, leather to metal, and all are sleek and stylish in their own way. We are biased, but we think the Smart Armor Safe would make the best business card holder for men. It’s tough enough to protect your business cards, and opens up via Bluetooth for a cool and dramatic presentation!

    So, have you checked the business card holder list? http://bestwallet2015.com/beautiful-best-business-card-holder-for-men/
    Which is your favorite and what qualities do you look for in a business card holder? Please comment below.

    Share This Story, Choose Your Platform!

    Leave A Comment Cancel reply

    What is Smart Armor®?

    Smart Armor® is an IOT company that provides Bluetooth enabled micro-locking systems integrated into valuable physical objects controlled via mobile device.

    Our Products