Tag : Time

6 Business Icons Who Made TIME Person of the Year #the #small

#business icons

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TIME has dedicated one issue to the “Person of the Year. ” The award, which is “bestowed to those who have, for good or for ill, most influenced the news and our lives in the past year,” has gone to politicians, scientists, humanitarians and entrepreneurs. Click through to see the business icons who have graced the magazine’s famous cover over the years.

1928 – Walter Chrysler

Before starting what would become one of the largest automotive manufacturers in the United States, Walter Chrysler worked as a railroad mechanic and locomotive machinist in West Texas. After serving as the head of Buick for three years, Chrysler was tapped to turn around the failing Willys-Overland Motor Company in Flint, Michigan. The now defunct company would become the automaker known today as Chrysler. Two years after being awarded Person of the Year, Chrysler financed the construction of the Chrysler Building in New York City, all with his personal fortune. The building stood as the tallest in the world for 11 months, when the Empire State Building surpassed it. Upon his death in 1938, Chrysler’s estate was worth roughly $8.9 million dollars – almost $150 million by today’s standards.

1955 – Harlow Curtis

In 1914, Harlow Curtis, the son of a fruit vendor in rural Michigan, responded to a newspaper ad for a bookkeeper position at the AC Spark Plug Company in Flint, Michigan. Following 15 years of service at AC, Curtis was named president of the spark plug company. According to GM’s online history portal. Curtis worked his way up the Detroit-ranks, landed a position at Buick and eventually became president of the highly profitable GM branch. In 1953, Curtis was named president of General Motors, and at his helm became the first American company to reach $1 billion in profits. A year later, TIME named Curtis “Man of the Year” in recognition of this achievement.

1991 – Ted Turner

Now a household name and waiting room fixture nationwide, CNN had plenty of skeptics when Ted Turner launched the first 24-hour news network in 1980. Built on the foundations Turner had put into place as the head of his father’s advertising firm and as the owner of the Atlanta Hawks basketball team, Turner changed news from a once-daily occurrence to a never-ending cycle. As of 2010, CNN was streaming to 100 million American households and another 98 million satellite subscribers throughout the world. Turner is worth $2.2 billion, according to Forbes . making him one of the wealthiest men in the country. The wealthy conglomerate extends beyond media, too. Ted’s Montana Grill serves up western-inspired food sourced from Turner’s bison located on ranches throughout the west and abroad.

1997 – Andrew Grove

As he proclaims in his book, “Only the paranoid survive.” This is the driving principle that has made Andrew Grove so insanely successful. Born in Hungary, Grove escaped communism to finish his education, earning a Bachelor of Science degree in chemical engineering from City College of New York and a Ph. D. from the University of California, Berkeley. Grove was a pioneer the burgeoning semi-conductor industry. Once at the helm of Intel, Grove revolutionized the company into the highest valued computer chip maker in the world today. Under Groves leadership, Intel saw an increase in revenue from $1.9 million in 1987 to an astonishing $26.27 billion in 1998. Steve Jobs idolized Grove, seeking his advice when considering a return to Apple as CEO. In 1997, a year before Grove relinquished his title of CEO, Grove was awarded “Person of the Year ” on the 50th anniversary of the invention of the transistor.

1999 – Jeff Bezos

The e-commerce pioneer is most well known for his establishment of Amazon as an Internet commerce icon. Originally a source for books, Amazon had expanded to almost everything by 1999 when Jeff Bezos was awarded “Person of the Year.” Born to a teenage mother, Bezos was technologically adept from a young age, tinkering in his parents’ garage. In 2013, Amazon reported net revenue of $74.5 billion and employed over 132,000. Alexa, the domain ranking service, credits Amazon as the seventh most-visited website in the world. Since his recognition, Bezos has been up to quite a bit. In addition to his continued innovations at Amazon (did someone say drones ?), he acquired The Washington Post from longtime owners, the Graham family. Bezos is betting on his knack for web innovation to bring the publication into the digital age.

2010 – Mark Zuckerberg

The same year as he was hailed as TIME’s “Person of the Year “, The Social Network film sealed Mark Zuckerberg ‘s place as an American demagogue, next to the likes of Steve Jobs and others. In a Harvard dorm room, Zuckerberg and friends created what would become Facebook. The website spawned an entire social networking industry. Facebook’s massive $5 billion IPO, the third largest in history, would increase Zuckerberg’s wealth to about $33.1 billion, according to Forbes . making him No. 16 on the list of wealthiest Americans. His wealth makes him part of an elite club – one of three people with more billions than they have years of age. As of September, Facebook boasted 864 million daily active users .



10 greatest entrepreneurs of all time – Business – Small business #business

#top entrepreneurs

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History s 10 greatest entrepreneurs

By Philipp Harper

Special to msnbc.com

How many entrepreneurs have there been in the history of the world? Millions, certainly, probably even billions. These are the men and women who take capital — their own or somebody else’s — and use it to beget more capital. Some fail, some succeed, some excel.

With so many candidates to choose from, any list of the 10 greatest entrepreneurs of all time will necessarily be somewhat arbitrary. It will also be top-heavy with Americans, just as a list of great chefs would be disproportionately French or of great eccentrics dominated by the British.

Business is what America does. If that sounds chauvinistic, get over it.

Here, without further ado but with tongue occasionally in cheek, are history’s 10 greatest entrepreneurs.

1.King Croesus. A pick by our veterans committee, Croesus, who ruled the Asia Minor kingdom of Lydia in the sixth century B.C. is owed a huge debt of gratitude for minting the world’s first coinage, thereby creating in a single stroke the lifeblood of every business: liquidity and cash flow. Moreover, his opulent lifestyle has given entrepreneurs throughout history something to shoot for. Is there a greater distinction for the commercially inclined than to be deemed “as rich as Croesus”?

2.Pope Sixtus IV. Sixtus gets the nod for realizing that the “wages of sin” meant more than unpleasant repercussions. There was money to be made in damnation, and Sixtus mined it by opening up a new market — the dead — for the indulgences the church had been selling for years. Relatives of the deceased quickly filled the Vatican’s coffers with payments intended to lessen the time their loved ones spent in purgatory. In 1478 Sixtus “grew his market” by authorizing the Spanish Inquisition, which swelled purgatory’s ranks by 100,000 souls in 15 years. He also was the first pope to license brothels.

3.Benjamin Franklin. In a real sense, Franklin was America’s first entrepreneur. Unlike other of the Founding Fathers — the hypermoral Washington, the prodigiously intellectual Jefferson — whose virtues and attainments are seen today as anachronisms, Franklin truly was a model of what many of us would become. Beneath the statesman’s mantle resided a popular author, a printer, an inventor (the lightning rod, bifocals) and a very savvy businessman who knew how to commercialize the fruits of his fertile mind.

4. P.T. Barnum. Americans have always loved a good scam and Phineas Taylor Barnum took the art to new heights. He played on our fascination with the bizarre and freakish with sideshow acts ranging from the midget Tom Thumb to Jumbo the giant elephant. In between was a host of more dubious curiosities. He created the Barnum and Bailey Circus as a showcase for all this wonderment, and dubbed it “the Greatest Show on Earth.” Along the way he invented modern advertising and became rich. For the record, he never said “There’s a sucker born every five minutes,” but he left behind plenty of other bon mots. Among them: “Every crowd has a silver lining.”

5.Thomas Edison. What do you say about the man who gave the world the electric light, the phonograph, talking motion pictures and more than 1,300 other patented inventions? That he was the world’s greatest inventor, certainly. But he was also able to exploit the profit potential in his creations, an entrepreneurial bent that asserted itself when Edison was a teen-ager, printing a newspaper in the baggage car of a rolling train and then selling copies to passengers. His impact on the way people live was and is pervasive. As a combination of inventive genius and entrepreneurial flair, he stands alone.

6.Henry Ford. Ford also fundamentally changed human lifestyles by making available a vehicle, the Model T, that vastly extended people’s range of movement. The automobile would allow America’s masses to fulfill their Manifest Destiny to populate every corner of the continent. But his more profound impact was on industry. The moving assembly line he designed to build his cars was the signal breakthrough of the Industrial Age. Appropriately, Ford earned the seed capital for his enterprise by working as an engineer at the Edison Illuminating Company in Detroit.

7.Benjamin Siegel. Known as “Bugsy” to his friends, Siegel was a notorious mobster with a touch of the visionary. Legend has it that he single-handedly invented Las Vegas, and that’s a stretch. But he was the first to see what the town could become: a lush oasis of pleasure where gambling was just one of the attractions. He also proved adept at attracting other people’s money to build his iconic resort, The Flamingo. Trouble was, some of those other people belonged to an outfit called Murder Inc. and Siegel was gunned down in 1947 amid rumors he had stolen from his partners. But give the devil his due: Before there was the Bellagio, there was Bugsy.

8.Ray Kroc. Nothing says entrepreneur like persistence, and nothings says persistence like Ray Kroc, the kitchen wares salesman who in 1954, at age 52 and in poor health, had his imagination hijacked by a family-run restaurant in the desert outside Los Angeles. Once he had bought out the McDonald brothers, Kroc proceeded to take their concept of a limited menu, fast service and low prices and expand it nationally, in the process creating the fast-food industry and dramatically affecting America’s lifestyle and, sadly, collective health.

9.H. Ross Perot. Within every entrepreneur lurks a touch of the cowboy, and there’s no better example of the strain than Perot, the diminutive Texan who has become best known in recent years as a political gadfly. Before that, though, he was all business, using a $1,000 loan from his wife in 1962 to launch Electronic Data Systems. Perot’s winning idea was that large corporations and organizations needed data-processing help if they were to take full advantage of computer technology. When in the mid-’60s he won contracts with two new federal health-care programs — Medicare and Medicaid — EDS was off and running and Perot was on his way to being one of America’s richest citizens.

10.Jobs & Wozniak. Apple Computer’s two Steves weren’t the first Silicon Valley entrepreneurs to launch a billion-dollar business from a Palo Alto garage — Hewlett and Packard were there before them — but they were the first to democratize computing by creating a machine whose use was so wonderfully intuitive that even technophobes embraced it. Combine the elegance of Wozniak’s operating system design with Jobs’ marketing savvy (remember Apple’s “1984” ad?) and the result was a true phenomenon. Yes, the Apple was eclipsed by the PC, but only after Microsoft (behind the vision of two other notable entrepreneurs, Bill Gates and Paul Allen) developed Windows to ape its rival’s ease of use.

Philipp Harper is a freelance journalist living in south Georgia.



10 greatest entrepreneurs of all time – Business – Small business #entrepreneur

#top entrepreneurs

#

History s 10 greatest entrepreneurs

By Philipp Harper

Special to msnbc.com

How many entrepreneurs have there been in the history of the world? Millions, certainly, probably even billions. These are the men and women who take capital — their own or somebody else’s — and use it to beget more capital. Some fail, some succeed, some excel.

With so many candidates to choose from, any list of the 10 greatest entrepreneurs of all time will necessarily be somewhat arbitrary. It will also be top-heavy with Americans, just as a list of great chefs would be disproportionately French or of great eccentrics dominated by the British.

Business is what America does. If that sounds chauvinistic, get over it.

Here, without further ado but with tongue occasionally in cheek, are history’s 10 greatest entrepreneurs.

1.King Croesus. A pick by our veterans committee, Croesus, who ruled the Asia Minor kingdom of Lydia in the sixth century B.C. is owed a huge debt of gratitude for minting the world’s first coinage, thereby creating in a single stroke the lifeblood of every business: liquidity and cash flow. Moreover, his opulent lifestyle has given entrepreneurs throughout history something to shoot for. Is there a greater distinction for the commercially inclined than to be deemed “as rich as Croesus”?

2.Pope Sixtus IV. Sixtus gets the nod for realizing that the “wages of sin” meant more than unpleasant repercussions. There was money to be made in damnation, and Sixtus mined it by opening up a new market — the dead — for the indulgences the church had been selling for years. Relatives of the deceased quickly filled the Vatican’s coffers with payments intended to lessen the time their loved ones spent in purgatory. In 1478 Sixtus “grew his market” by authorizing the Spanish Inquisition, which swelled purgatory’s ranks by 100,000 souls in 15 years. He also was the first pope to license brothels.

3.Benjamin Franklin. In a real sense, Franklin was America’s first entrepreneur. Unlike other of the Founding Fathers — the hypermoral Washington, the prodigiously intellectual Jefferson — whose virtues and attainments are seen today as anachronisms, Franklin truly was a model of what many of us would become. Beneath the statesman’s mantle resided a popular author, a printer, an inventor (the lightning rod, bifocals) and a very savvy businessman who knew how to commercialize the fruits of his fertile mind.

4. P.T. Barnum. Americans have always loved a good scam and Phineas Taylor Barnum took the art to new heights. He played on our fascination with the bizarre and freakish with sideshow acts ranging from the midget Tom Thumb to Jumbo the giant elephant. In between was a host of more dubious curiosities. He created the Barnum and Bailey Circus as a showcase for all this wonderment, and dubbed it “the Greatest Show on Earth.” Along the way he invented modern advertising and became rich. For the record, he never said “There’s a sucker born every five minutes,” but he left behind plenty of other bon mots. Among them: “Every crowd has a silver lining.”

5.Thomas Edison. What do you say about the man who gave the world the electric light, the phonograph, talking motion pictures and more than 1,300 other patented inventions? That he was the world’s greatest inventor, certainly. But he was also able to exploit the profit potential in his creations, an entrepreneurial bent that asserted itself when Edison was a teen-ager, printing a newspaper in the baggage car of a rolling train and then selling copies to passengers. His impact on the way people live was and is pervasive. As a combination of inventive genius and entrepreneurial flair, he stands alone.

6.Henry Ford. Ford also fundamentally changed human lifestyles by making available a vehicle, the Model T, that vastly extended people’s range of movement. The automobile would allow America’s masses to fulfill their Manifest Destiny to populate every corner of the continent. But his more profound impact was on industry. The moving assembly line he designed to build his cars was the signal breakthrough of the Industrial Age. Appropriately, Ford earned the seed capital for his enterprise by working as an engineer at the Edison Illuminating Company in Detroit.

7.Benjamin Siegel. Known as “Bugsy” to his friends, Siegel was a notorious mobster with a touch of the visionary. Legend has it that he single-handedly invented Las Vegas, and that’s a stretch. But he was the first to see what the town could become: a lush oasis of pleasure where gambling was just one of the attractions. He also proved adept at attracting other people’s money to build his iconic resort, The Flamingo. Trouble was, some of those other people belonged to an outfit called Murder Inc. and Siegel was gunned down in 1947 amid rumors he had stolen from his partners. But give the devil his due: Before there was the Bellagio, there was Bugsy.

8.Ray Kroc. Nothing says entrepreneur like persistence, and nothings says persistence like Ray Kroc, the kitchen wares salesman who in 1954, at age 52 and in poor health, had his imagination hijacked by a family-run restaurant in the desert outside Los Angeles. Once he had bought out the McDonald brothers, Kroc proceeded to take their concept of a limited menu, fast service and low prices and expand it nationally, in the process creating the fast-food industry and dramatically affecting America’s lifestyle and, sadly, collective health.

9.H. Ross Perot. Within every entrepreneur lurks a touch of the cowboy, and there’s no better example of the strain than Perot, the diminutive Texan who has become best known in recent years as a political gadfly. Before that, though, he was all business, using a $1,000 loan from his wife in 1962 to launch Electronic Data Systems. Perot’s winning idea was that large corporations and organizations needed data-processing help if they were to take full advantage of computer technology. When in the mid-’60s he won contracts with two new federal health-care programs — Medicare and Medicaid — EDS was off and running and Perot was on his way to being one of America’s richest citizens.

10.Jobs & Wozniak. Apple Computer’s two Steves weren’t the first Silicon Valley entrepreneurs to launch a billion-dollar business from a Palo Alto garage — Hewlett and Packard were there before them — but they were the first to democratize computing by creating a machine whose use was so wonderfully intuitive that even technophobes embraced it. Combine the elegance of Wozniak’s operating system design with Jobs’ marketing savvy (remember Apple’s “1984” ad?) and the result was a true phenomenon. Yes, the Apple was eclipsed by the PC, but only after Microsoft (behind the vision of two other notable entrepreneurs, Bill Gates and Paul Allen) developed Windows to ape its rival’s ease of use.

Philipp Harper is a freelance journalist living in south Georgia.



20 Cheap Businesses You Can Start in Your Spare Time #starting #a

#low cost business ideas

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20 Cheap Businesses You Can Start in Your Spare Time

If you’re thinking of starting up your own business, but don’t want to make a huge investment, you’re in luck. We’ve compiled a list of 20 cheap startup business ideas that won’t break the bank, and you can work on in your spare time.

1. Sales Consultant

Avon, Mary Kay, Pampered Chef, and Tupperware all enlist the help of local sales representatives to get the word out to shoppers about their products. If you’re comfortable talking to people about a product, this business idea could be for you. To start, Avon costs just $5 to register, Pampered Chef is $80; both Tupperware and Mary Kay cost $100 to start with each company.

Beverly Kemner of Pottstown, Pa. sees being an Avon representative as a way to earn money to supplement her income and has been running her part-time business for about four years. To get started, she paid $5 to register with Avon.

“I could do it out of my own home on my own time,” she says. “They give you everything you need to start the first campaign. I think it’s perfect for this economy.”

Kemner says the harder you work at building your customer base, the more sales you make, and that flexibility appealed to Kemner, who suffers from a chronic illness. “You do the best when you can put the time in to it,” she says. “You need to give it a little bit of time, but it’s not as time-demanding as some other (businesses).”

2. Lawn care

This is a seasonal job that can be lucrative if marketed to time-crunched homeowners who have better things to do on their days off than mow their lawns. It is a good job for someone who likes to be outdoors, and can be started inexpensively with fliers, business cards and a lawnmower. Also, it’s a business that you can easily scale into a bigger operation.

3. Homemade gourmet foods

A love of cooking turned into a full-time business for Nancy Neal of Melbourne, Fla. She makes jams, jellies and spreads right in her home kitchen, now has about 50 products including soup mixes at her Nancy’s Pantry Corner in a variety of markets.

If you’re just getting started, the cost is cooking supplies, packaging, and basic marketing materials, and depending on where you’re going to sell your goods, either the cost to set up a website or rent a retail store.

4. Babysitting

Babysitting isn’t a teenager’s job anymore. If you like children, then this could be a side business for you. Network in your community and be prepared to be available for work at night and on the weekends.

5. Cleaning services

Where there are people, there will be a need to clean. Whether you focus on cleaning houses or go after business from companies, this cheap startup business idea will cost as much as supplies and the fliers needed to get your name out in the community. The hours for the cleaning service could dovetail nicely with a standard Monday through Friday job—businesses usually want their buildings cleaned at night and on weekends.

6. Catering

If you like to cook and can plan out a meal from beginning to end, this could be a side business for you. Offer party catering as well as business lunches as a way to keep business opportunities available. Build a customer base by creating relationships in your community and ask for client testimonials as a way to show potential new customers what you have done at past events. Costs would include making fliers and possibly having samples of your cooking available for tasting by future clients.

7. Errands

If you like helping people, you may like running errands for people in your community. Market to those in your community who don’t have a lot of time for chores or may be housebound.

8. Handyman

If you can fix a rain gutter, do simple electrical repairs or know how to spackel, turn those home-improvement skills into a side business. Make sure to check with your state about any possible permits or licenses needed to work.

9. Virtual assistant

If you like organizing things, weeding through e-mails, posting to social media and keeping people on a schedule, market those skills to small-business owners who are too busy growing their own businesses to take care of those things themselves. The costs of starting this business could include a computer and stable Internet connection to maintain contact with your clients.

10. Consultant

Maybe you’ve changed careers during your working life. Offer your skills to that former industry as a paid consultant. Since you worked in the industry, you already have contacts you could market to as being available for hire.

11. Snow removal

This seasonal business can be lucrative, but is dependent upon the weather. When looking for potential customers, think houses as well as small businesses. The costs for starting this business can be as little as the price of fliers, business cards and a shovel—or higher with more equipment.

12. Online content production

If you have a knack for grammar and love to write, content production for websites could be a cheap business startup for you. Cost to kick off this business includes a computer and an Internet connection. Market your skills on sites including elance.com, where potential employers look for contract workers.

13. Pet groomer

With the American Pet Products Association predicting Americans spent $4.11 billion in 2012 on their pets for grooming and boarding, it just goes to show people are willing to spend on their furry friends.

You must like animals to start this business. Cost to get into this business includes permits, insurance and equipment.

14. Pet sitting and walking

Combine a love for animals and a love of the outdoors. Many people leave their pets at home alone most of the day while they are at work, but are willing to pay people to check on their pets and walk them during the day. Cost to start this business would be marketing materials and a reliable car to get from client to client.

15. Delivery service

Do you like going to different locations through the day? A courier business may be a good fit for you. Market your services to businesses.

16. Calligrapher

If you have good penmanship, a business addressing envelopes—like wedding invitations—could be a nostalgic business startup idea. You’ll need samples, as well as a business cards.

17. Tutoring

If you excel at a certain subject, you could use that skill as a private tutor for students of all ages. Adult learners also need help sometimes with their school subjects. Cost to get started would be marketing materials.

18. Home day care

Parents look for alternatives to big day care centers where their children are grouped with many other children. Fill that need by offering home day care. Check with your state on regulations for these start-up businesses—licensing may be required depending on the number of children you hope to have at your home.

19. Translator

Speak another language? That valuable skill can be turned in to a business by offering your services to businesses and government offices.

20. Elder caregiver

With a growing older population, this service-based business is filling an important need.

Market to senior citizens who may not want to live in assisted-living communities, but could still benefit from help with minor day-to-day activities including light house work. Cost includes marketing materials and a reliable car.

Looking for more business startup ideas? Check out our Startup of the Week series.

Linda is an award-winning journalist with more than more than 22 years’ experience as a reporter, editor and blogger. Linda blogs via Contently.com .



The 100 Best Business Books of All Time – In The Books

#business books

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The 100 Best Business Books of All Time


Thousands of business books are published every year Here are the best of the best. Now updated, with more than ten new books reviewed.

The 100 Best Business Books of All Time was written by two former leaders of 800-CEO-READ, Jack Covert and Todd Sattersten, with its current leader, Sally Haldorson. Originally published in 2009, The 100 Best is a guide to essential business reading for leaders, managers, and employees alike. If you want to grow, innovate, sell, lead, discover, and strategize, the books in The 100 Best are the ones to help you achieve your goals.

ABOUT THE 100 BEST

After years of reading, evaluating, and selling business books, 800-CEO-READ is the most respected expert on the category. Now they have chosen the 100 best business titles of all time the ones that deliver the biggest payoff for today’s busy readers.

The 100 Best puts each book in context, so that readers can quickly find solutions to the problems they face, such as how best to spend The First 90 Days in a new job or how to take their company from Good to Great. Many of the choices are surprising you ll find reviews of Moneyball and Orbiting the Giant Hairball. but not Jack Welch s memoir.

At the end of each review, Jack and Todd direct readers to other books both inside and outside The 100 Best. And sprinkled throughout are sidebars taking the reader beyond business books, suggesting movies, novels, and even children’s books that offer equally relevant insights.

This book will appeal to anyone, from entry-level to CEO, who wants to cut through the clutter and discover the brilliant books that are truly worth their investment of time and money.

Get a feel for the book. Get a feel for the book. Start with the introduction (download the PDF ). Then check out a review from both of us: with a review from both Jack and Todd:

And to get a feel for the layout of the book, check out the book’s “lost” chapter, which contains a collection of Industry book reviews. (Download the PDF )

ABOUT THE AUTHORS

Now retired, Jack Covert is the founder of and former president of 800-CEO-READ. now an independent company, but longtime partner of the Harry W. Schwartz Bookshops. Hired twenty-five years ago by the late David Schwartz to promote business and computer books to the Milwaukee business community, Jack used his considerable sales skills and innate business acumen to grow that 3-shelf business section into a 7 million dollar specialty business book retailer.

Todd Sattersten currently runs BizBookLab. a company that identifies, develops, and launches business books around the world from Portland, Oregon. Previously, he was president of 800-CEO-READ, spent six years at GE, and three years working with his father in the family sheet metal fabrication business. Todd received his BS in mechanical engineering from Michigan Technological University and his MBA from Marquette University.

Sally Haldorson is the General Manager of 800-CEO-READ and has worked for the company in many different roles for twenty years. She has an M.A. in English and Creative Writing, and lives in Milwaukee, WI with her husband and son.

THE CHAPTERS OF THE 100 BEST



Grand Rapids Home Loans – Grand Rapids Mortgage Loans – Riverbank Finance

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Grand Rapids Home Loan | Michigan Mortgage Loans

Home loan mortgage rates are still low!

FHA Mortgage Loans in Michigan

FHA mortgage loans are a great option for first time home buyers or clients with bumps in their past credit. This flexible home loan option may allow you to buy home a with as low as a 580 credit score and only a 3.5% down payment. Mortgage rates are typically lower than Conventional home loans because they are insured by the Federal Housing Administration. If you are a first time home buyer or want to buy a home with a low down payment apply for an FHA Home Loan today!

Want more information on a FHA Mortgage?

USDA Rural Development Home Loans

USDA Home Loans require no down payment up to a $417,000 loan amount. This is the perfect first time home buyer program for those that do not have a large down payment saved. While many banks and lenders require as much as 20% down for similar conventional mortgage options, this home loan option requires Zero Down! The home must be purchased in a rural area and the household must earn low to moderate income to qualify. If you are interested in buying a home with no down payment apply for an USDA Home Loan today!

Want more information on a USDA Mortgage?

VA Home Loans

We are proud to support our military veterans by offering VA Home Loans with no down payment. This 100% financing option may allow a military veteran to purchase a home with Zero Down! While many banks and lenders add overlays that require perfect credit, we offer VA Home Loans down to a 580 credit score. A VA Home Loan may be the best loan type available to buy a home with no PMI or mortgage insurance and still get some of the lowest mortgage rates available. If you are a military veteran and believe you may be eligible for VA benefits then apply online for a VA Home Loan today!

Want more information on VA Home Loans?

Michigan Home Loans

Riverbank Finance is a Michigan mortgage company in Grand Rapids. Locally owned and operated, we specialize in mortgage loans, home loans, mortgage pre-approval, mortgage refinancing, new home purchase loans and new home loans in Grand Rapids. Our commitment to quality ensures that we will provide the best home loans with some of the lowest Grand Rapids mortgage rates .

Experienced Mortgage Professionals

The Michigan mortgage experts at Riverbank take the extra time to compare mortgage rates at banks and mortgage lenders to ensure that you are offered some of the lowest mortgage rates available. A licensed loan officer will give you one on one customer service for your new home loan. We can also help Michigan home owners with mortgage refinancing in Grand Rapids and West Michigan. Call us today for a free mortgage quote for your new mortgage.

How do I apply for a mortgage in Michigan?

Riverbank is a top choice for Michigan home loans if you are buying a new home or refinancing your mortgage. Mortgage companies in Michigan are all licensed through the NMLS (National Mortgage Licensing System) and the state of Michigan. Not only must mortgage companies maintain their licensing and take training courses and exams but also every mortgage loan officer of the company must be licensed.

To be a licensed Mortgage loan officer you must have taken hours of training courses and have passed extensive mortgages exams to prove your knowledge. A loan officer that you will find in a bank or credit union is not subject to the same licensing requirements and is able to do loans on their first day with no experience! Who would you rather have advise you on your largest real estate investment? Choose a local mortgage company for your next Michigan home loan!

Michigan Home Loans

Riverbank Finance is a locally owned Michigan mortgage company specializing in home loans. Let us know how we can help your family with your next home purchase or mortgage refinance!

Office Hours

Mon – Fri: 9:00 AM to 6:00 PM

Currently after business hours.

Our Company Reviews

Read our mortgage company reviews and see what our clients are saying about us on Google Reviews. If you are a past client, take a moment and let others know how we were able to help you and your family buy a home or refinance and save money!

Grand Rapids, MI

“Even though we had credit problems Josh was able to get us into a dream house. My family and I come home every day and are amazed that we are buying this house!”

“After a previous company left us in the lurch halfway through the process and with the potential for losing our dream home on the line. Thank you from the bottom of our hearts.”

Grand Rapids, MI

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“Anthony Bird was really great to work with. He worked so hard for us to get my growing family and I into our new beautiful house. Thank you so much!!”

“Riverbank Finance LLC was an amazing company to work with when getting our loan for our first home. They worked extremely hard to make sure we got the best rate and the best loan available. We were very happy with our experience with Riverbank and will use them again for any future mortgage needs.”

Real Estate Company

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“Anthony was so supportive in walking me through the steps of qualifying for a mortgage. It was my first time buying a house and I wanted to give up several times due to the complexity of the process. Thank goodness Anthony calmed me down and actually coached me through the process. I love my new condo!”

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Honey-Soy Broiled Salmon Recipe #broiled #salmon #cooking #time


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Note: Recipe directions are for original size.

Nutrition per serving may change if servings are adjusted.

  • 1 scallion, minced
  • 2 tablespoons reduced-sodium soy sauce
  • 1 tablespoon rice vinegar
  • 1 tablespoon honey
  • 1 teaspoon minced fresh ginger
  • 1 pound center-cut salmon fillet, skinned (see Tip) and cut into 4 portions
  • 1 teaspoon toasted sesame seeds, (see Tip)

Preparation

40 m

  1. Whisk scallion, soy sauce, vinegar, honey and ginger in a medium bowl until the honey is dissolved. Place salmon in a sealable plastic bag, add 3 tablespoons of the sauce and refrigerate; let marinate for 15 minutes. Reserve the remaining sauce.
  2. Preheat broiler. Line a small baking pan with foil and coat with cooking spray.
  3. Transfer the salmon to the pan, skinned-side down. (Discard the marinade.) Broil the salmon 4 to 6 inches from the heat source until cooked through, 6 to 10 minutes. Drizzle with the reserved sauce and garnish with sesame seeds.
  • Tips: How to skin a salmon fillet: Place skin-side down. Starting at the tail end, slip a long knife between the fish flesh and the skin, holding down firmly with your other hand. Gently push the blade along at a 30° angle, separating the fillet from the skin without cutting through either.
  • To toast sesame seeds, heat a small dry skillet over low heat. Add seeds and stir constantly, until golden and fragrant, about 2 minutes. Transfer to a small bowl and let cool.
  • People with celiac disease or gluten-sensitivity should use soy sauces that are labeled gluten-free, as soy sauce may contain wheat or other gluten-containing sweeteners and flavors.

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How to Tell Time in Italian, ITALY Magazine, how to tell time

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How to Tell Time in Italian

How to tell time in italian

Italy is back to Standard Time, clocks were set back an hour in late October and winter is already knocking at our doors. So why not using this time of the year to learn how to tell time in Italian. After all, if you do not want to miss the train, the appointment with a guide or understand when a museum opens, you need to grasp the basics.

Che ora è? or Che ore sono? – What time is it?

You can ask more formally:

Scusi, che ore sono? – Excuse me, what time is it?

Per favore, potrebbe dirmi che ore sono? – Could you tell me what time it is, please?

Scusi, sa che ore sono?/Excuse me, do you know what time it is?

For one o’clock and for noon or midnight the answer is E’ + the hour

È mezzogiorno. – It’s noon.

È mezzanotte. – It’s midnight.

For all other times of the day, the answer is Sone le + the hour

Sono le quattro. – Four o’clock

Sono le dieci. – Ten o’clock

Sono le nove. – Nine o’clock

In both cases, however, a more informal option is that of using the number of the hour directly.

Fractions of an hour are introduced by the conjunction ‘e’ followed by the minutes elapsed.

Le dieci e dieci.- Ten past ten.

Le tre e venticinque. – Twentyfive past three.

You can choose to indicate ‘quindici or trenta minuti’, (fifteen or thirty minutes), using ‘un quarto’ (a quarter) or ‘mezza’ (a half) introduced by ‘e’ instead:

Le dieci e trenta. – Ten thirty. or Le tre e un quarto. – Three fifteen

From the half hour to the next hour, time can also be expressed by giving the coming hour ‘meno’ (minus) the number of minutes before the next one.

Le tre meno venti. – Twenty to three.

Le quattro meno cinque. – Five to to four.

To indicate fifteen monutes, you can use also ‘un quarto’ using it in the following expressions:

Le tre meno un quarto. – Fifteen to three.

Le quattro meno un quarto. – Fifteen to four.

Keep in mind that in Italy, as in most of Europe, time is based on the 24 hour day and not on the 12 hour clock. So, 1 PM is expressed as 13:00, 5:30 PM as 17:30, etc. That means an appointment or invitation for 19:30 is meant for 7:30 PM.



Diploma in HRM #diploma #in #human #resource #management #distance #learning, #dhrm #course,

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Diploma Program in Human Resource Management

Duration: 1 year

With cut-throat competition in the corporate world, it becomes extremely essential to recruit the right people, at the right time, for the right responsibilities and in the most cost effective method. But Human Resource Management is a lot more than just hiring and recruitment. Our one year Diploma Program in Human Resource Management will help you gain a competitive advantage as a future HR manager.

In two semesters, you will learn how to develop organizational strategy, the concepts of one to one and group interaction, training and development at a larger scale and a wide variety of concepts perfect for a career as a human resources consultant. Our study material will also deal with issues in compensation, employee policy, organizational behavior, change management, and employment law at a domestic and global level.

Program at a glance

  • Acquire theoretical and practical knowledge required for modern HR practices
  • Learn to proactively address HR issues
  • Concepts of leadership, training, recruitment, employee morale etc.
  • The above mentioned fee structure is subject to change at the discretion of the University. Any payment made via Demand Draft should be made in favour of “SVKM’s NMIMS” payable at Mumbai.
  • In addition, Students need to pay examination fee of Rs 600/- per subject and PCP fee of Rs 250/- per subject.
  • EMI Facility (3, 6, 9, 12 months) available via credit cards of the following banks: HDFC Bank, ICICI Bank, Axis Bank, Citi Bank, Standard Chartered Bank, HSBC Bank, SBI, Kotak Mahindra Bank.

Duration: 1 year

With cut-throat competition in the corporate world, it becomes extremely essential to recruit the right people, at the right time, for the right responsibilities and in the most cost effective method. But Human Resource Management is a lot more than just hiring and recruitment. Our one year Diploma Program in Human Resource Management will help you gain a competitive advantage as a future HR manager.

In two semesters, you will learn how to develop organizational strategy, the concepts of one to one and group interaction, training and development at a larger scale and a wide variety of concepts perfect for a career as a human resources consultant. Our study material will also deal with issues in compensation, employee policy, organizational behavior, change management, and employment law at a domestic and global level.

Program at a glance

  • Acquire theoretical and practical knowledge required for modern HR practices
  • Learn to proactively address HR issues
  • Concepts of leadership, training, recruitment, employee morale etc.
  • The above mentioned fee structure is subject to change at the discretion of the University. Any payment made via Demand Draft should be made in favour of “SVKM’s NMIMS” payable at Mumbai.
  • In addition, Students need to pay examination fee of Rs 600/- per subject and PCP fee of Rs 250/- per subject.
  • EMI Facility (3, 6, 9, 12 months) available via credit cards of the following banks: HDFC Bank, ICICI Bank, Axis Bank, Citi Bank, Standard Chartered Bank, HSBC Bank, SBI, Kotak Mahindra Bank.