Online Payday Loan Lenders Prompt The Need To Audit Finances

While you are considering taking out an online payday loan once again, it may help you to stop and evaluate your financial situation first. If you have been working with safe online payday loan lenders and have a good payment history with them, you won’t have to worry too much about whether or not your loan application will be approved. What you should be concerned about is why your finances continue to point you in the short-term loan direction.If you are one of those people who use a short-term loan multiple times a year to handle some of the heavier payment months or to take care of unexpected costs, you should stop and ask yourself why. What is it about your budget that does not prepare you for anything extra? What do you think you can do about it? For starters, be thankful that you can get online payday lender help, keep up the positive payment history and find out how you could prevent needing one again.Your first task is to survey your personal finances. There must be some areas of the budget that once adjusted may help alleviate some of the monthly challenges. For most people, food is the first budget category that is evaluated. With multiple trips to the grocery store each week and eating out costs, it would make sense to look to cut back on food expenses. It would not be much of a surprise if you are overspending on food, but don’t stop there. Look through all of your budget categories. Another category that can often be trimmed down is entertainment. Trim down costs to free up extra money.Some people find that trimming budgeted categories helpful while others find it stressful and struggle to make it work. You can only slash food costs so much before you give up and spend away. It may take a larger cut back to make your budget work. Don’t stop looking for ways to save income. Take the time needed to audit your personal finances. Take a look at some of your bigger expenses. You may have to trade your car in for a less expensive model. If your credit is good, you could look into refinancing the remainder of your loan. Car payments are a great area to save. Switching to a vehicle with better gas mileage automatically helps the budget. A less expensive vehicle would also lower the once a year registration cost. This alone could decrease your need to use low cost payday loan lenders.Once the audit has been done, there are some who choose to downsize their home or move to a smaller apartment or a less expensive location in order to make their income more manageable. Saving even a few hundred dollars each month from routine expenses is what makes the difference between a person needing a fast cash advance here or there or having the money to solve financial problems. It will definitely free up the cash needed to work at paying credit card debt off so at least that option will reopen its doors during emergency times.Go ahead and apply for that loan and look at it as your last. You have to think positively and focus on the end results. Get the loan paid in full as quickly as you can and then begin to make the necessary changes within your financial matters. Supporting your own needs and eventually wants will give you the financial freedom to live well within your means. Once the debt clears from your credit history, you will have more options to choose from if the need to borrow arises once again. Use your own resources first, and borrow the least amount needed so it is much easier to recoup from.
jasabacklinkpro.infojasabacklinks.infokalipakem.com

Posted in Online payday loan | Comments Off

How To Write A Homeschool Unit Study

Regardless of what methodology you normally use for your homeschool, unit studies can provide you with a nice break from the norm sometimes. They are especially nice whenever you’re trying to teach your child(ren) to think a little more about how the different parts of life actually fit together, and they can also give you a break whenever you’re faced with the doldrums.So, how do you decide what subjects to pursue whenever you’re ready to do a unit study? Well, take a look at your child and see what he/she is deeply interested in. Those are the subjects to pursue with your unit studies. Another way to decide what would make a great unit study is to look through your year’s studies and notice if there are any “holes” in subject matter that you think should be filled. Once you find that “hole,” you can find a unit study on that topic, and take a week or two to teach it. For instance, if your child finds black holes fascinating, but your science text book covers them in just a paragraph or two, then there is the perfect opportunity to do a unit study on astronomy.Once you’ve figured out what you’d like to do a unit study on, all you need is a little time and creativity, and you can create your own unit studies. Assembling your own curriculum around one topic sounds difficult, but if this wasn’t the case, then educational companies such as “Teacher Created Materials” wouldn’t publish and sell as many great unit studies as they do.There are 2 main drawbacks to designing your own unit studies. First of all, it takes time. If you’re a busy parent, this could be enough of a reason to take a trip to your nearest teachers’ supply store with your credit card in hand. Secondly, it may require access to a couple of grade-level subject books (ie science, language arts, or math) so that you know which skills are typically covered at a particular grade level. If you have a good library with an educational books department, then you may also have the perfect excuse to spend a long Saturday with a pocket full of change at the library with a stack of books. Another idea is that if you have a good set of Internet research skills, you can spend your Saturday tucked away at home.Now that we see the drawbacks, what are the benefits of a unit study? You can teach whatever your heart desires. Plus, if you decide to create your own unit study, you’ll find that it is cheaper and more economical than tracking down a pre-made unit study. Furthermore, nobody knows your child as well as you do, and therefore nobody can prepare a unit study for your child as well as you can.Whenever you’re creating your own unit study, you need to keep in mind that your unit study needs to cover all of the subjects that you’d normally teach, unless you plan to skip a specific subject and keep working through your regular curriculum for that subject. However, to create a complete unit study, you need to include the first 2 subjects from the following list and as many of the other subjectss as you can logically fit in there too. Now for the list:(1.) Math – You need to create math problems at your child’s level. For instance, if you’re working with a young child on a unit study about baseball, then you can practice addition with bats and balls, write a story problem that talks about number of pitches thrown until the team reached the final out, etc. However, older children would need something that is more on their level. For instance, you may discuss the speed of the bat, distance the ball travels, or the number of hot dogs that individual team fans eat.(2.) Language Arts – This area includes reading, comprehension, grammar and writing skills. While you don’t need to include every one of these items in every unit study that you write, you should have your child write something about the topic. A great suggestion here would be to have your child read a book about the topic then write a narrative telling you about what he/she read in the book.(3.) Science – Sometimes a unit study lends itself quite easily to science, but other times you’ll find yourself having to work a little bit harder. For instance, a unit study on bugs will let you off the hook since the entire unit study is about science. However, if you are doing a unit study about ancient Egypt then you may need to take some time to look at the creations of the Egyptian engineers, study mummification, think about ancient medicine, or consider the tools that the Egyptians used to do their work.(4.) Social Studies or Geography – This may be your main topic, but if it isn’t, then you’ll need to work some information into your topic. Some questions that can help you here include: Where was your topic first seen or invented? What culture surrounded the time or event? Where did this take place? You may also want to learn more about the people of that time period and place.(5.) Art – Take time to draw, build, act, design or create. You could design a Roman mosaic, sketch an insect’s genetic makeup, build a temple from clay or LEGOs, create a tapestry to illustrate the unit that you’re studying (felt shapes work for quick tapestries when needlepoint takes way too long), or paint the flowers that you’re learning about.(6.) Music – Sometimes music fits into a unit study nicely. For instance, you could always listen to some folk music while you explore the civil unrest of the 1960s. However, if you’re studying something more scientific, then you may need to work a little harder to fit music into that unit study.(7.) History – Adding history to a unit study should be relatively easy, regardless of the topic. You could simply research when an event began or an item was invented or you could talk about the events and times that affected an item’s inventor.(8.) Physical Education – Here again, you may need to be a bit creative. However, when you discover that physical education fits into your unit study, then you should definitely use it! For instance, if you’re studying the ancient Greeks, then you could run footraces like they did.If you’re still not certain what to do for your very first unit study, try “following” your child(ren) around for a couple days and watch what they do. For instance, if your child spends all of his/her time engrossed in books, then think about a literature-based unit study (ie how books are made). On the other hand, your child may spend his/her time outside digging for rocks. Then why not do an archeology or rocks and minerals unit study?Of course, there are some topics that you can use numerous times as your child(ren) grows older. These include:(1.) Animals, horses, or mammals(2.) Baseball, basketball, fencing, or sports in general(3.) Cooking or catering (which may include business and economics information)(4.) Kites(5.) Flight(6.) Transportation(7.) Weather(8.) Historical cultures (ie medieval history, ancient Egypt, etc.)The spark of a unit study is lit whenever your child(ren) mentions an interest. Whenever they do, you need to write it down somewhere. Keep a running list of interests and you’ll soon have more than you’ll know what to do with. However, even if your child only shows a deep interest in one or two topics, you should take time to explore those. You may discover that you’re able to create several unit studies based on the first one as new interests are developed.
jackpotslotsweb.infospinslotwins.infoslotbidwins.infofantasyslots.infobestslotmachine.infocasinoslotonline.infojackpotslotwins.infojasabacklinkpro.infojasabacklinks.infoseosites.infolinkseo.infoslotmachinetips.infoslotmachinestrategies.infoslotmachineodds.infoprogressiveslotwins.infojyufnehnd.inforqqbgnd.infohhxyygznd.infolrhvand.infoylcalnd.infouqlnhnd.inforesrhnd.infopsdrvnd.infopabrsnd.infomtayand.infolirensmnd.infokekepnd.infohgnffnd.infokratombz.infomenody.infoauryadbe.infosongmide.infolandecz.infoeventvde.infoitrolde.infoorgivde.infofestbg.infoyzkstcom.infogdzbzcom.infoneuqncom.infoozmuzcom.infofudggcom.infoqzykwcom.infolyympcom.infodnenycom.infohqaaecom.infogpzslcom.infoaaehlcom.infobxtjzcom.infontpocom.infoeppomcom.infoemaeocom.infofbsvncom.infoezamzcom.infofghoacom.infodzypjcom.infodsfdbcom.infoebifmcom.infoisurinet.infonusuonet.infobceluk.infosnjabcom.infoOlgato.infomsmmycom.infoomdircom.infoVilato.infoegoltcom.inforrdeocom.infoAllyto.infomcsdpcom.infoweigbcom.infobwmovcom.infoqyhlnet.inforedcanet.infoimwapnet.infowbtgwcom.infosoyhocom.infomxjxlcom.infogmlatcom.infoldstxcom.infoxjwxxcom.infogpabocom.inforeofkcom.infozayhdcom.infosxbbdcom.infoszyeqcom.infoycjyccom.infocccfhcom.infoSweeto.infonzeamcom.infomycsdnet.infoTraxto.infovvhento.infopnfzwcom.infoyygjbcom.infosrywjcom.infonxtypcom.infoshrjdnet.infozaylccom.infoxjnspcom.infohznjqcom.infoqpcswnet.infotwtmtcom.infomdouwcom.infoielpzcom.infofjpancom.infoabdezcom.infoMoonug.infozgnavcom.infoplknycom.infoasbtlcom.infokumchnet.infonioomcom.infoigutrcom.infomepncom.infostixto.infobbponcom.infodrupccom.infozujarnet.infootocscom.infohrpubnet.infosabpccom.infontfckcom.infoMinito.infoagpclcom.infoapkpzcom.infoLunarto.infolielnet.infoblunxcom.infouekkocom.infovwgemcom.infosvelto.infosbicbcom.infobdysmcom.infoealelcom.infoqdonynet.infofcsadnet.infochnrxcom.infojomopcom.infozbmhwcom.infoaqdficom.infohfzeucom.inforjjilcom.infoocszzcom.infotauhpcom.infoehbnecom.infoememenet.infootrocom.infongoiccom.infosekuycom.infoceolucom.infocdklkcom.infoehwelcom.infobassjcom.infourlrlcom.infopppwccom.infoydavscom.infouandunet.infoqhtcmcom.inforghdccom.infoptcsdcom.infozgggbnet.infobmkfycom.infoldickcom.infocwkshcom.infoyxjkdcom.infozmgmbcom.infomqegocom.infoszytgnet.infomkoorcom.infoiutahnet.infoditflcom.infocolqrcom.infosjboxnet.infogxcxwcom.infohyhajcom.infoiharzcom.infojcacscom.infomilicnet.infomsmmocom.infoiktvscom.infodixlecom.infoymfabcom.infolfpetnet.infomedphnet.infonabxnet.infocxfzcom.infoazttscom.infosjielcom.infofkxlbcom.infomuzoknet.infogjainnet.infosorkinet.infopugrccom.infoSacAdnet.infoylnzhcom.infolggokcom.infoticeonet.infovvhatto.info

Posted in Uncategorized | Comments Off

5 Tips for New Innovative Businesses

New innovative businesses do not just rise up from the ground like weeds. Rather, the seeds for new innovative ideas must be planted and nurtured like a flowers in a garden. Whether you’re a new innovative company or looking to spark new innovation within an existing company, you should seek the guidance of business innovation services. These services will help you nurture the innovative ideas in your company and help your business grow. The following 5 tips will help new innovative businesses cultivate success within their company by inspiring innovation and growing it the right way.

1. Inspire Ideas – New innovative businesses need ideas in order to succeed and stay competitive. The moment your business launches, your competitors will already be planning ways of improving upon your fresh innovative idea. You did the hard work of coming up with the idea in the first place. Now you will need to keep the ideas coming with new ways of keeping your business at the forefront of innovation within your industry. In order to inspire ideas, hold regular meetings and workshops with business innovation services companies to help your creative learn new ways of generating ideas.

2. Communicate Effectively – Communication in a new and innovative business can be less than ideal, to put it nicely. The company is likely full of creative who are focused intently on their work. In order to keep the flow of ideas streamlined, you need to have an effective means of communication within your company. Idea boards and inspiration boards in common areas are a great way to help people see what everyone is working on. This will prevent the creative in your company from getting tunnel vision and see the big picture. Plus, inspiration will become collective and everyone can help innovate from the ideas of others. Streamlining communications will streamline your innovation.

3. Reward Innovation – Many companies say they want innovation, but when a new idea is presented, it may be ignored or viewed as unrealistic. If you’re going to be innovative, you need to be willing to take calculated risks. Consider innovative ideas carefully and evaluate them. Come up with a way to reward innovative ideas so that your creative don’t become frustrated and not bring new ideas forward on a regular basis. Even simple recognition for innovative ideas in meetings can be helpful and make people feel as though their ideas are being heard.

4. Professional Development – In order to be innovative, you employees need to be constantly developing their skills. Hold workshops regularly to help your employees develop their skills and stay current with new trends in your industry. Business innovation services can provide helpful training for companies that want to help their employees become more innovative.

5. Promote Creativity – Is your office space a corporate prison? Change the design and style of your office to promote creativity. A creative work environment places an emphasis on commons areas with quiet work areas where employees can meet, brainstorm and then go to their quiet work areas to let their creativity flow. Creative thought requires large uninterrupted spans of time. However, in order to be creative, people also need to get together to generate, share and critique ideas.


keywordkeywordkeyword

Posted in Innovation | Comments Off

12 eCommerce Legal Issues to Consider in Operating an Online Business

The following article provides a high-level summary of some key eCommerce law issues online business operators face in running a website or other eCommerce business. Conducting business online or maintaining a website may subject companies and individuals to unforeseen legal liabilities. The following is a brief survey of 12 key eCommerce law issues to consider:1. Internet Business & eCommerce A good starting point is analyzing a company’s online presence and auditing their procedures to determine how to grow their brand and online influence. As part of this, the company’s agreements and websites should comply with the myriad of laws and regulations affecting websites and online businesses, such as COPPA.2. Domain Name AcquisitionDomains are often the key to an online business, but can present a number of problems. Domain name issues include securing a domain name initially, as well as protecting domain names from adverse parties that attempt to trade off the goodwill associated with the company’s brand. Sometimes, the company needs defense, retrieval, and protection of domain names on the Internet.3. Digital Millennium Copyright Act (“DMCA”) ComplianceCompanies operating websites, particularly where third-party content may be uploaded directly, should consider adopting agreements and procedures to shield themselves against claims of liability and copyright infringement. This procedure is sometimes referred to as a “copyright policy” or “DMCA takedown” procedure. Compliance with the DMCA can provide the online operator with a safe harbor from liability.4. Online PrivacyOnline privacy continues to become a bigger issue. With the spread of mobile devices, tablets, and apps, privacy issues are becoming more complex. Companies should consider composing or updating their privacy policies as well as adopting internal security protocols aimed at protecting the online privacy of customers and website users.5. Social Media LawWhile a powerful vehicle to build brand strength and interact with customers, social media can create a number of legal issues for online businesses. A social media policy provided to employees as well as guidelines can be effective steps to reduce risk. A few key areas to consider are employment related use of social media, confidentiality, sponsorship, and branding guidelines.6. Privacy PoliciesPrivacy policies should not be copied from online templates or rival companies. They should be drafted comprehensively to address unique issues of a specific online business and to accommodate future growth. Whether a company looks to collect analytics or more personalized information, the company should focus on its specific business needs and risk factors. Privacy policies should be updated as a business evolves.7. Terms of Use AgreementsTerms of Use (TOU) agreements can limit liability for companies that maintain an Internet presence. These agreements should be optimized to address a company’s specific business and should not be simply cut and pasted from the Internet. What works for one company may not work for another company.8. eCommerce AgreementseCommerce agreements come in many forms such as licensing, advertising agreements, and payment processor agreements. eCommerce agreements should be drafted to address the primary legal risks involved in a particular eCommerce contract or business transaction.9. Online Sweepstakes & GamesOnline sweepstakes, contests, and games create a number of legal pitfalls. Depending on the sweepstake, contest, or game, compliance with the laws of all 50 states as well as the federal government may be required. Registration in specific states may also be required. Online businesses may benefit from guidance as to whether a particular new initiative is considered a sweepstake, contest, or game.10. Domain TheftRecovering hijacked domains can often be difficult and time-consuming. Typically, avoiding domain theft in the first place is much easier than attempting to recover a stolen domain. While difficult, it is possible to recover a hijacked domain.11. Website AgreementsWebsite agreements can be customized to limit legal liability and reduce risks of disputes by analyzing an online business’s intellectual property portfolio, business processes, and brand objectives. Website agreements can be used for mobile applications in addition to websites.12. Impersonation and Username SquattingImpersonation and username squatting can occur when a third party registers a social media account using someone else’s identity. This can result in harmful posts and information being published in social media. Username squatting can also prevent a trademark or brand owner from controlling their trademark. Typically, registering usernames in advance is the best strategy to avoid impersonation or username squatting.While the above identifies a number of eCommerce and internet law issues affecting website and online business operators, an in-depth analysis may be required. For more information, you may want to contact an eCommerce attorney.Disclaimer – As with any discussion of legal topics, this article is intended to be educational only, and is not a substitute for legal advice, nor does it provide legal advice or form an attorney-client relationship with the reader. Please seek legal counsel before making any decisions. Also, please note that this article will likely not be updated, so the law and circumstances may have changed by the time you have read this article.

Posted in Uncategorized | Tagged , , , , , , , , , , , , , | Comments Off

Easy Telecommunications Inventory

Managing telecommunications inventory for more than just a few locations has always been tedious work. Getting an accurate inventory is the first challenge. Traditionally, companies have paid technicians to visit each of their locations to tone, test and tag the different circuits. Not only is this method expensive (which runs counter to our objective of reducing the costs of telecommunications), but is becoming less and less accurate over time.With the advent of telecommunications competition, and carriers delivering a significant amount of services over T-1 lines, the ability for a technician to tone and test each line to develop an accurate telecommunications inventory is diminishing. Further, this telecommunications inventory process is disruptive. Lines have to be taken out of service and access needs to be coordinated with the building management. Frequently, the site personnel are not technical, so their ability to assist the technician in finding the variety of circuits that may be in use is limited.Fortunately, there are short-cuts that provide a significant comfort level that the inventory is captured “reasonably accurately”. Let’s face it, unless you have 50 lines coming into a location (and if you do, you should consider a more efficient service), using carrier records is a reasonable alternative. If your intention is to reduce your telecom expenses by reviewing your telecommunications inventory, what is important is what you are paying for.You can establish your telecommunications inventory fairly accurately from your billing information, and not spend anything to do it. What you then need is a system the help you keep that inventory up to date and a methodology to review the telecommunications inventory to find cost savings. Finding a web-based tool at little or no cost is the best approach to maintaining a telecommunications inventory over time. With a web-based telecom inventory, you can have individuals at each location manage their own information.

Posted in Uncategorized | Tagged | Comments Off

5 Best Android Tablet Finance Apps

For Android tablets, the common reason for buying them may be for entertainment and leisure. Did you know that Android tablets are also proven useful in the financial world? Android has offered so many finance apps in the market which are very much relevant and useful to your every day financial needs. Whether you want the latest finance news or you need to make monetary computations, finance-related Android apps have got it all for you. Here is a list of the five best Android finance apps in the market:1. FinanceEver wanted to have a personal financial planner but you just can’t afford to pay for one? Simply called Finance, Android has come up with a powerful app which strips you of the need to hire a personal planner. Finance is an app which is capable of providing you with the most recent updates about the stock market. The best feature of this app is that it provides you with stock quotes which are very much reliable because they are quoted real-time. This app also syncs well with your stock portfolios which are loaded in Google Finance.2. Real Estate DroidIf it is your dream to be a real-estate businessman someday or to be a licensed real estate broker, then this finance app is the best deal for you. Real Estate Droid comes with features which can, for one, search houses for sale. Once you find a catch, you can search information about its neighborhood with real-time updates. With this app, you can also check out mortgage quotes made by real lenders and compute for mortgage loans. You can always take advantage of the built-in loan calculator.3. FinancistoFinancisto is a finance app that is very much capable of doing many things. For one, it lets you add multiple types of bank accounts and even a multiple number of accounts per type. This means that you can add checking and savings accounts together into your file manager. For both types, you can add more than one account. With Financisto, you can also monitor which among your payments are recurring. Once you see the pattern, you can schedule them to make sure you don’t lag with your payments. This app can also help you create either a short-term or long-term budget.4. Karl’s Mortgage CalculatorIf Real Estate Droid is not enough for your mortgage needs, then you can always opt for a more specialized finance app, which is Karl’s Mortgage Calculator. By using this app, you can calculate how much mortgage you should be paying in the future and you can even visually see the results with its easy-to-read charts and graphs. This app can help you compute for your future payments, given the principal loan amounts, interest rate and terms. Karl’s Mortgage Calculator, however, is limited to supporting interest-only amortization and Canadian computations.5. PayPalAlmost everybody knows of PayPal now. With the PayPal Android app offered in the market, you can do all things you normally do on your PayPal account. The bonus point here is that apart from being able to pay an item, you can also help hasten its delivery process. So, if you’re dying to take hold of that most recent Victoria Secret scent, then you don’t have to wait for the normal number of shipping days just to have it. You can always make it two or three days earlier with this app. With PayPal app at your reach, you can always access your PayPal account anytime you want.

Posted in Uncategorized | Tagged , , , , , , , , , , , , , , , , , , , , , , , , , , , | Comments Off

Business Advertisement

Business advertisement brings profits in sales. The key goal of such advertising is to convince the potential buyers to purchase manufactured goods and services. There are various avenues through which the customers get information about the true marketable products and services. These are television, radio, newspaper, magazine and recently online advertisement. The truly marketable product brand has now brought forth a novel integrated tactic that proves rewarding. The maintaining and cultivating the strategy by using the right tools at the right moment and in the right place is extremely necessary. The actual aim of the advertisement is to make people aware of products and services accessible under the brand name rather than selling the product.Significance of AdvertisementProduct publishing plays an important role in creating brand awareness among the general public. The potential buyers are persuaded to reach out for the products. In addition, the satisfied buyers make verbal publicity among the neighbors, friends and relatives. This leads to the increase of profits of companies by increasing its revenue. The expenses of advertisement in turn get good height in earnings. The popular modes of publishing goods and services are newspapers, pamphlets, brochures, magazines, journals and books.Advertising in print media is comparatively cheaper than availing through electronic media. By using this, one can cover a wide range of audiences belong to different age groups. For example, if a brand name is advertised on television the brand would get access to every home and offices, and also in other public places. With time, advertising on the internet is getting more popular. The internet is the most workable platform available till date not only in case of an advertisement, but in case of sharing new and creating universal awareness by sending them to every corner of the world.What Advertising Agencies Do?Many of the firms advertise their products to the potential buyers through their own advertising department. But, others depend upon some advertising agencies for promoting their brands and services. Organizations pay to these agencies for promoting their brand name. They are always there for recommending, and making the most of your advertisement costs of promoting your brand name on the right place.Advertising, therefore, is proper promotion of the products, not selling of items. It helps to give proper information about the brand. On the other hand, it facilitates general people know about the products and to buy the advertised brands more consciously. So, advertising is the link between company and their customers. Advertising not only gives the proper awareness of the products but also offers a nice introduction of the company. Attractive advertisements create demand in the public mind that in turn boost sales of the brand.Online AdvertisingOnline publishing of products and services promote the products in the best way as it is not limited by time and space. The different kinds of advertising sites are available for promoting products. We can select them based on our needs. The different kinds of methods available are Pay Per Click, banner ads, text ads, intext adds, link ads, flash ads, slider adds, hovering adds, pop up ads, pop in to add etc. You can take up as per wish. Online advertising is very specific to the audience. The advertisers use keywords or phrases in their online ads that are employed by the potential buyers in order to search for the products and services. More is, the online ads are region specific also. Banner advertising is a popular form of online advertising. Advertiser can advertise their banner by coming to an arrangement with online companies and publish their banner. It is more cost effective than other forms of advertising. There is just one time start up cost of creating a website. There are no associated costs like postage, storage, repeated design fee etc.A study by Google confirms that nearly 30% of internet-users read newspaper and they are likely to go online to research at least one product that they find in a newspaper. Internet advertising when combine with newspaper advertising can help advertisers to reach to targeted audiences. Whatever may be the media, without advertisement, business owners experience a much harder time to orient the business field in their support.

Posted in Uncategorized | Tagged , , , , , , , , , , , , , , , , , , | Comments Off

Making Taxes Easy for Small Business

Many economic scholars see small businesses, to be the largest contributor to economic growth and employment creation on the planet. The ratio of small business, to big business in different countries varies. It is predicted that small business as a collective, will eclipse big business as a force in the economic landscape in future years. Be that as it may, fact remains that small business, is crucial to every countries economic development.Limited research however, has been conducted on a variety of issues affecting small business. The global small business failure rate remains high, at an unacceptable rate of 80%(some say 95%), within the first year of formation. Common concerns about small business are confined to only cash flow problems, and under capitalization. Whilst these two, are major culprits in business failures, they not the only factors. Weak marketing, skills shortages, bad management, capacity are other factors, contributing to business failure. Taxes can also be added to the list as a cause of business failure.Since many start-up businesses cannot afford to procure the services of a tax consultant/ advisor, they eventually fall foul of the taxation requirements of their respective tax authorities.
A small business is treated no different from a huge multinational corporation in many tax regimes around the globe. This treatment comes with its own set of problems. The one being the failure of the small business. Tax authorities, vigorously pursue errant taxpayers, be they big or small. In fact, it can be proven that harsher enforcement by tax authorities are reserved for small businesses!Governments have yet to honestly acknowledge the role of small business and stop paying only lip service to its promotion. The current tax system for small business, in most countries will have to be revisited. No one is suggesting that tax authorities should grant small businesses “special treatment” forever. Just a breather, so as to enable them to grow at a faster pace.To accommodate a small business and its growth, whilst being fair, a concept known as “thresholds tax”, can be implemented for small business. It is in place for individuals, and also known as progressive taxation. Simply put, it means, the more someone earns, the more they taxed. Many countries levy a fixed percentage tax on “profits” of businesses, big or small. This tax is not fair, and fairness is a prerequisite for a good tax system. Even the slightly different tax regime for “Small Business Corporations”, in most countries still does not address the problem.The controversial “profit” in business accounting, especially small business has not been thoroughly researched by tax lawmakers. Profit does not always equate to positive cash flow.
The working capital factors tied into profit, results in severe cash flow setbacks for small business. It is therefore unfair to tax the small business on profit, like the bigger companies, since bigger businesses finance their profits and/ or working capital via many methods, internal and external. These avenues are not available to smaller businesses.Herewith some suggestions on making taxes easy for small business.

Give small business a tax holiday of about two years after start-up.
Simplify tax legislation.
Tax small business only on “cash generated by operations”, up to a certain threshold.
Profit less working capital (debtors and inventory on hand) plus depreciation equals cash generated by operations, which in turn becomes taxable income.
Exempt small business from employee; value added or general sales tax up to certain thresholds. (Already in place in some countries).
Taxable income thresholds could be, 0 to $200 000; $201 000 to $500 000(for small business), depending on the definition of a small business in the respective country.
As soon as the taxable income exceeds $ 500 000, a higher progressive rate applies.
Taxes on “cash” income could also fall away at this level.
My suggestions are in no way exhaustive. More substantive research is needed. If we accept that we live in a global village, taxes will also have to be harmonized and standardized, between the different countries. What International Accounting Standards have done for accounting; can be suggested for taxation also.

Posted in Uncategorized | Tagged | Comments Off

Leveraging Today’s Business Loan For Tomorrows Business Growth

A business loan is an effective financing tool that allows most entrepreneurs to leverage their resources to help start a business. However, after a company is already established a business might need to consider additional outside funding. Businesses often require extra capital when it becomes necessary to expand to larger offices, increase the number of retail outlets, or increase storage capacity. Starting a business as an entrepreneur in a competitive market is an exciting and difficult venture.Keeping that business alive through expansion is an even more difficult proposition. Careful consideration of current and future potential cash flows should be analyzed, so not to over leverage the core reason behind obtaining a business loan is essential. And therefore introducing new capital into the equation requires some serious attention to both current budgeting and future income and expenditures.Many times it’s common for businesses to require outside cash to expand their operations and profit potential. One of the classic examples is a business that started in someone’s garage and grew to the point where expansion was impossible without a major change of venue. In such cases, the company might lack true equity because of its small size and verifiable office space, so a traditional business loan might be difficult to obtain. Commercial loans may require equity that a small business in someone’s garage wouldn’t normally possess. In such cases, unsecured loans, a co-signer, or an extraordinary history of earnings would provide strong support on the loan application.When deciding whether the time is right to expand and apply for private lending or the different types of SBA loans, serious financial analysis is necessary. In addition, determining whether the business is strong enough to expand and has all of its vital pieces intact can play an important part in the success and implementation of this influx of capital.For example, an increase in new orders and a strong profit margin might appear to be the work of a strong company, but are all the support systems where they need to be to guarantee the expansion plan’s success? Is the company prepared to increase administrative staff and spend more on overhead after securing the business loan funds? Estimating the business’s expenses after expansion is an important step to ensure the right loan amount is chosen and that the company can expand in a fiscally savvy manner.It’s also important to figure out whether expansion into a new space is warranted or whether looking into small loans for less costly growth might be advisable. Perhaps a fledgling company might benefit from smaller, strategic spending rather than immediate expansion into a new space.For example, a company without a solid web presence could invest business loan resources in a dedicated server and information technology professional to handle the company’s network. A new business might also consider enhancing a marketing program or purchasing additional materials to accommodate an increase in sales or an expected holiday rush.Additionally, it’s important for businesses to consider that there isn’t just a single type of business loan or that loans of all types may be used for an incredibly wide variety of improvements, expansions, and development efforts. For example, government loans like the ones through the Small Business Administration come in a variety of types. Banks may offer general SBA loans, available under the 7(a) Loan Program, or a company might look at the CDC/504 loan if the time has come to purchase major equipment or conduct real estate transactions for expansion and construction.The lesson any entrepreneur should take from an investigation of loan types is that the process of obtaining new funding isn’t difficult. However, the planning of what type of funding to obtain, as well as the way that funding will be used, will impact the future health of the business. Making the decision to expand requires good timing and smart budgeting. And by proper planning, obtaining a business loan may provide the funding necessary to construct new offices, add personnel, and reach new customers.

Posted in Uncategorized | Comments Off

Has There Ever Been A Better Time To Start An Online Business?

With the economy on the rise and unemployment at its lowest for a number of years, together with the fact that online sales are growing significantly year on year, the answer would seem to be No. There has never been a better time to start an online business!Having said that, there is talk of economic growth starting to stall in certain parts of the world, so what’s the answer? Well the reality is that there will never be the perfect time to start a business whether it is online or offline and if you are waiting for everything to be just right, you will be old and grey and still waiting.Online business is certainly the growth sector at present and looks set to continue for the foreseeable future. It is also a viable addition to the marketing channels for many offline businesses.In a recent study carried out by the Centre for Retail Research, which looked at eight European countries and the USA, it was estimated that combined online sales for 2014 would be in excess of $518 billion (€379 billion). Which is an increase of 18.1% over the previous year. As far as Europe is concerned online sales are strongest in the UK, France and Germany, who together account for 81.3% of purchases.In terms of online sales as a percentage of retail sales, the UK currently tops the league table with 13.5%, followed closely by the USA on 11.6% and Germany on 9.7%.This impressive growth has been fuelled by the increase in mobile shopping using smartphones and tablets, which in 2013 accounted 8.3% of online sales in Europe and 13.8% in the US. These are final transaction figures, browsing numbers are considerably higher. After all it is worth remembering that the world carries the Internet around with them in their pockets and bags nowadays, making browsing and buying online ever easier.With a market of this size and projected growth rate, it’s almost goes without saying that online business is here to stay for the foreseeable future and offers an unrivalled opportunity for those who are either looking to start a business or to expand an existing enterprise.Of course this does not mean that everyone who decides to start an online business will be successful. There are record numbers of start-ups and closures in this arena. For those who make it though, the rewards can be staggering.So how can you ensure that you are one of the winners rather than the losers? Well a good place to start is by following some of the tried and tested rules of business. Your chances of success both online and off are greatly improved if you choose a business sector in which you have previous experience.However if you choose to venture into an area outside your range of knowledge, make sure that you get good advice on how to proceed. Again the success rate is greatly enhanced if you are advised and mentored by someone who has been there, done it and knows what works and what doesn’t.

Posted in Uncategorized | Comments Off