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Investment Ideas #business #plan #model

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Investment Ideas

[1] Based on the 30-year calendar year returns of Barclays US Aggregate Bond Index as of 12/19/2013

Views and opinions expressed are for informational purposes only and do not constitute a recommendation by GSAM to buy, sell, or hold any security. Views and opinions are current as of the date of this page and may be subject to change, they should not be construed as investment advice.

This information discusses general market activity, industry or sector trends, or other broad-based economic, market or political conditions and should not be construed as research or investment advice. This material has been prepared by GSAM and is not financial research nor a product of Goldman Sachs Global Investment Research (GIR). It was not prepared in compliance with applicable provisions of law designed to promote the independence of financial analysis and is not subject to a prohibition on trading following the distribution of financial research. The views and opinions expressed may differ from those of Goldman Sachs Global Investment Research or other departments or divisions of Goldman Sachs and its affiliates. Investors are urged to consult with their financial advisors before buying or selling any securities. This information may not be current and GSAM has no obligation to provide any updates or changes.

A summary prospectus, if available, or a Prospectus for the Fund containing more information may be obtained from your authorized dealer or from Goldman, Sachs Co. by calling (retail – 1-800-526-7384) (institutional – 1-800-621-2550). Please consider a fund’s objectives, risks, and charges and expenses, and read the summary prospectus, if available, and the Prospectus carefully before investing. The summary prospectus, if available, and the Prospectus contains this and other information about the Fund.





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Things You Understand If You’re The Busy Friend #business #search

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Things You Understand If You’re The Busy Friend

We hear ya.

Are you chronically busy? Do you go to school and hold a job (or several)? Are you overly involved on campus? Do you have a semblance of a social life? Are you constantly having to prioritize and re-prioritize your to-do list? Do you have a tendency to overextend yourself? Do you sometimes feel like your friends just don’t understand? Are you The Busy Friend?

We hear ya. The following is a list of some of the things that your fellow Busy Friends can identify with. If you’re not The Busy Friend, hopefully this list gives you some insights into the mind of The Busy Friend in your life.

1. Scheduling everything. I mean, everything. You forget to schedule cushion time for a bathroom break? Bummer. Your whole day is thrown off.

2. You have been so deprived of purely social interactions that when you finally do make it to that hang-out you scheduled two weeks ago and your friends are busy playing “Candy Crush” instead of being super present in this awesome, once-in-a-month quality friendship moment, you get unreasonably angry.

3. Or the opposite. You finally have a moment to chill with friends, but it is only going to last so long and you’re the one too busy for the present. Remember how you haven’t called your grandma in three years? The to-do list you made seven minutes ago needs updating. You have not casually scrolled your Instagram/Facebook etc. allllll day. If you’ve been there, you know what I mean.

4. When you explain how busy you are, and people tell you to “just do less”, and you’re like “I CANNOT JUST DO LESS. THIS IS MY LIFE. I DO THIS MUCH. THIS IS HOW MUCH I DO” and they still don’t get it. I mean, sure, you could maybe cut out your one hobby that allows you to be a sane and functioning human. And yeah, you could probably eat more top ramen and less actual food, saving on the amount of hours spent working and the amount of prep time. Sure, you could spend less time sleeping – who needs a solid 4 hours anyways?

5. When you have a sudden opening in your schedule and become the most spontaneous person. You’ve got 27 free minutes and you’re up for anything. Where da crew?

6 .You calculate the exact amount of minutes you will be able to sleep if you fall asleep now. How many REM cycles is that? 1.5? Awesome. If anyone interrupts your precious sleep, they might as well have woken a hibernating bear.

7 .When Friday rolls around you can do nothing but fall into bed in exhaustion. Cue comments from friends about how you’re totes antisocial and why don’t you ever go out anymore.

If you can identify with more than a few of these, you may just be The Busy Friend. Maybe it’s time to cut back on a few of your extracurriculars; maybe it’s time to start slimming down your friend group to the people who really matter to you. Trust me, I know the struggle of having to limit your activities and prioritize your passions. But even just making a small change can have a big impact on your schedule, energy level and social life.

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Inspiring Women Entrepreneurs: How to Find Your Business Idea #business #seminars

#business ideas for women

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Inspiring Women Entrepreneurs on How to Find Your Business Idea

Credit: Dragon Images/Shutterstock

Women may have once been pigeonholed into certain professions, but no longer are they simply expected to do gender-specific jobs. Female professionals are taking control of their careers in a way that works best for them, including when and how they start their own businesses.

Everyone has to start a business that s meaningful to them; I think it s an old model to tell [women] to go into a specific field, said Carin Rockind. a happiness and life purpose expert. I think that s got us to where we are today. What you re passionate about is way more important. Women need to tap into what they re good at and what makes them feel great.

American Express OPEN s 2016 State of Women-Owned Businesses Report found that 11.3 million U.S. businesses are currently owned by women, and an average of 1,072 new female-owned companies are being started every day. This number is growing five times faster than the national average for all businesses, meaning more women than ever are taking the leap into entrepreneurship. [See Related Story:Money and Connections Still Hurdles for Women Entrepreneurs]

As to what kinds of businesses a female entrepreneur should start, businesswomen agree that the sky is the limit.

I don t think there are any guidelines to the type of companies women should begin, said Cologne Trude, co-founder and creative director of Show Me Your Mumu. a boho-chic clothing line. Women s strengths are so diverse that opportunities are endless.

I think women should get excited about what excites them, added Melinda Emerson. an author and business coach known as SmallBizLady on Twitter. There aren t [enough] women-centric businesses out there.

Where to start

Emerson suggests starting a business you know something about. When you re ready to begin the business you re most passionate about, consider your limitations.

I have seen people quit really good jobs to start businesses they hate, Emerson said. There are fantasies of grandeur about running a business. It s really hard out there.

If you have no savings, no money and bad credit, you should not start a business, Emerson said. She suggests saving 20 to 40 percent per paycheck before you quit your job to begin your business.

Most important, Emerson emphasized the importance of doing your research. Make sure you know who your paying customer is.

You always have to check and make sure your business model makes sense in an industry that s growing and not sinking, Emerson said. It needs to be relevant three to five years from now. You don t want [technological advances] taking your business.

As you get your business off the ground, surround yourself with people who will help you succeed, whether it s through support or lending a hand to get the business started, said Cammy Miller, co-founder and creative director of Show Me Your Mumu.

Being a leader doesn t mean you have all of the answers and the more open you are to learning from everyone around you, the more you can grow in your role, Miller said.

One of the things that s been harder for me to learn is to bring other people with you, happiness expert Rockind added. It s very lonely to have your own business. There are so many important skills, and you can t be good at everything. ItꞋs OK to ask for help and collaborate with other people.

Love what you do

Building a business from the ground up is challenging no matter how you look at it. But, ultimately, you should love what you do.

I always encourage female entrepreneurs to be strong and work hard at what they love. Starting and running a business is by no means easy, and there are going to be a lot of hardships and emotional setbacks, Trude said. As a female, running Mumu has been very stressful and emotional at times, but every tear has been worth it and I am stronger because of it.

If Rockind had to go back in time to give herself advice, it would be to just do it.

You have to put yourself out there, she said. Believe in yourself and your purpose.

Shannon Gausepohl graduated from Rowan University in 2012 with a degree in journalism. She has worked at a newspaper and in the public relations field, and is currently a staff writer at Business News Daily. Shannon is a zealous bookworm, has her blue belt in Brazilian jiu jitsu, and loves her Blue Heeler mix, Tucker.

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  • Top Business Laptops Reviews #search #business #names

    #best business laptop

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    Business Laptop Reviews, Ratings, and Pricing

    Looking for a notebook computer for your small office or home office? Computer Shopper’s expert reviews of business laptops will help you find the best model for your needs. Our reviews and laptop ratings walk you through the exact components and features to look for. Computer Shopper’s business laptop buying guides offer side-by-side comparisons of today’s best small-business laptops. Also, check below for lab-tested reviews of our current 10 top business laptops.

    HP’s MacBook for Business?

    The new EliteBook Folio G1 is as slim and attractive as Apple’s MacBook, but with more ports, a better keyboard, and battery life that’s almost as long.

  • T Is for Tops

    In the T460s, Lenovo has redesigned its venerable ThinkPad T-series and added the latest hardware bits. It’s still one of the best 14-inch business ultrabooks on the market, with the best keyboard in the biz.

    The Face Is Familiar

    What if the XPS 13 had a Core M? Dell’s Latitude 13 7000 (a.k.a. Latitude 7370) is a new spin on a successful, nearly-no-bezel ultralight.

  • Playing the Workstation Card

    A mobile workstation with a family resemblance to the GS72 Stealth gamer, the 17.3-inch MSI WS72 provides ample power for $2,699.

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    Vistaprint business cards #business #websites

    #business cards design

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    Only one promotion code can be used per order. Savings will be reflected in your shopping cart. Discounts cannot be applied to shipping and processing, taxes, subscription services or previous purchases, unless otherwise specified. Additional charges may apply for shipping and processing and upgrades unless otherwise specified. Free Offers only valid on the lowest quantity of each product and not valid on more than 10 items per order.

    Promo code has been applied:

    Standard Flat Rate Delivery For $7.99 Enter your TV/Radio code or another promo code: Have a different promo code?

    Only one code may be used per order.

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    Home Business Cards

    Choose how to design.

    Browse our designs

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    Start with your logo

    Combine it with our layouts and fonts.

    Choose your Standard Business Card layout and click Continue.





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    North American Bancard – Tips for Giving the Best Business Gifts #business #card #magnets

    #business gifts

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    Many business owners send greeting cards and corporate gifts to show gratitude to clients and business partners. These gifts are often useless and end up being thrown away or regifted. The purpose of the gift is to standout and remind the individual about you or your brand long after the holidays.

    Here are eight tips, from Entrepreneur. to help you select a gift that will leave an impression:

    1. Make it useful. Give people something they can use throughout the year. Desk calendars, pens, small flashlights and letter openers are great examples of items every business person could use.

    2. Give your product. Skip the shopping and extra spending, and give your product as a gift. It allows you to show gratitude while promoting your business.

    3. Make a donation. Create goodwill by making charitable donations in the names of your business partners. An added bonus is the tax writeoff.

    4. Look for exchanges. Ask other businesses about exchanging products and services. This will reduce costs, result in better gifts and serve as a marketing tool. Some companies you may want to talk to include movie theaters, restaurants, coffee shops and entertainment venues.

    5. Personalize it. Include your business name on the corporate gifts you give. There is nothing wrong with branding the items you give to your business partners.

    6. Spread it around. Give a gift that employees can benefit from. They are often left out while the owners and managers get all the corporate gifts.

    7. Keep it simple. While it can be tempting, it is best not to go overboard. Remember that gift giving is a marketing strategy and does not need to cost you a lot of money. Be sincere and tactful in your gift choices.

    8. Keep it healthy. Everyone loves treats, but too many sweet snacks go around during the holidays. There is no need to add to the cookies and chocolates your business partners are already receiving. The fall from a sugar rush can negatively impact businesses. If you want to send something edible, make sure it’s healthy.

    Gift giving during the holiday season is a great gesture for business partners. Be sure to be reasonable, choosing items that are useful, cost-effective and serve to market your business.





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    Business Cards: Design – Print Custom Business Cards #business #name #search

    #business cards design

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    Avery WePrint Business Cards

    Ordered business cards. Love Avery design tool. The cards turned out wonderful. I had them print and they look amazing. Price was competitive too. Google Trusted Store Review (June 4, 2016)

    Easy to create business cards that included my own image and text. Quality is nice. Google Trusted Store Review (April 30, 2016)

    I received an email from them with a layout problem. They corrected it, printed it and shipped before I had a chance to respond! The cards were perfect, just how I had hoped they would turn out. Google Trusted Store Review (April 24, 2016)

    The quality of the finished product from Avery WePrint was awesome, the design tool was easy to use and the customer service rep was very helpful with my questions about production/shipping deadlines. Will definitely use again. Google Trusted Store Review (December 14, 2015)

    Business cards looked professional – good quality material and crisp color printing! Google Trusted Store Review (November 8, 2015)

    * Flat rate shipping offer applies to economy shipping only. If another shipping method is selected, charges may apply. Offer applies only to orders shipped to
    the United States and Puerto Rico. Offer subject to change.





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    Top Business Laptops Reviews #business #news

    #best business laptop

    #

    Business Laptop Reviews, Ratings, and Pricing

    Looking for a notebook computer for your small office or home office? Computer Shopper’s expert reviews of business laptops will help you find the best model for your needs. Our reviews and laptop ratings walk you through the exact components and features to look for. Computer Shopper’s business laptop buying guides offer side-by-side comparisons of today’s best small-business laptops. Also, check below for lab-tested reviews of our current 10 top business laptops.

    HP’s MacBook for Business?

    The new EliteBook Folio G1 is as slim and attractive as Apple’s MacBook, but with more ports, a better keyboard, and battery life that’s almost as long.

  • T Is for Tops

    In the T460s, Lenovo has redesigned its venerable ThinkPad T-series and added the latest hardware bits. It’s still one of the best 14-inch business ultrabooks on the market, with the best keyboard in the biz.

    The Face Is Familiar

    What if the XPS 13 had a Core M? Dell’s Latitude 13 7000 (a.k.a. Latitude 7370) is a new spin on a successful, nearly-no-bezel ultralight.

  • Playing the Workstation Card

    A mobile workstation with a family resemblance to the GS72 Stealth gamer, the 17.3-inch MSI WS72 provides ample power for $2,699.

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    How to choose the right business laptop #stock #investing

    #best business laptop

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    Best laptops for business 2016: Best laptops for UK business, choosing from Windows laptops vs Macbooks vs Chromebooks vs tablets

    What is the best laptop for business? We find the best laptops for business 2016. Best laptops from Windows laptops vs Macbooks vs Chromebooks vs tablets. Advice on buying laptops for your business. (See also: 8 best powerful laptops for business .)

    1. Best laptops for business: Budget Windows laptop

    Almost every business will plump for a budget Windows lappy. and almost every business is right to do so. For a little over 200 you can pick up a perfectly serviceable, no frills notebook that will run all Windows software and connect to the web. Basically, it will do what you need it to do, without looking sexy. Potential down sides include weight and heft, life away from the mains. Cheap laptops don’t tend to have great battery life. Also you will need security software, and beware a cheap display that reflects the strip lights of your local Starbucks.

    2. Best laptop for business: Ultrabook

    Like a budget laptop, only better. And more expensive. Ultrabook is an Intel term for a thin-and-light Windows laptop that offers powerful performance and true portability. Other features might include a touchscreen, or tablet functionality. Ultrabooks offer all of the advantages of any Windows laptops, and more. But they are not cheap. In fact, at this price you may as well plump for a Macbook.

    3. Best laptops for business: Macbook

    Macbooks are what Ultrabooks are templated on. Sleek, portable, powerful. expensive. But generally great. There is no nicer laptop to use than a Macbook Pro. No more portable laptop than a Macbook Air. And running OS X means you have less to worry about on the security front. Down sides? Well price is one. Lack of Windows compatibility the other. But if you must have a Windows laptop, and price is not a major consideration, you can always run Windows on your Macbook.

    New MacBooks in 2016: Podcast discussion

    4. Best laptops for business: Chromebook

    The joker in the pack. Chromebooks are laptops that run Google’s Chrome OS. In essence, they use Google Docs, Gmail and other Google tools instead of Windows or Mac software. You can use them when offline, but really they need a regular connection to the web to work. But Chromebooks are super cheap, as well as stylish and powerful. And there are no real security worries. Just don’t use a Chromebook if you need to use Windows, Office or any other Microsoft software. (Or games.) (For more, see: Review: Dell Chromebook 13 .)

    5. Best laptops for business: Linux laptop

    Another option if you can escape the world of Windows or OS X is Linux. A quick Google Shopping search throws up multiple laptops from the likes of Lenovo, HP and Acer that run on a Linux OS. Linux OSes vary, but in general the open source software is similar to Windows in look, feel and functionality. And being open source it can be tweaked to suit your business’ needs. There is no software licence fee, so the same hardware is often cheaper running Linux that it is Windows or OS X. And you don’t have the same security needs as you do in Windows. But compatiblity is an issue, with both software and other devices. Choice is limited. And you will get funny looks off your colleagues.

    6. Best laptops for business: tablet

    Microsoft would have you believe that the Surface Pro is the tablet that can replace your laptop. Apple makes similar claims about the iPad Pro. And there are myriad Windows tablets trying to squeeze in to the space. The truth is that if your major concern is portability, the Surface Pro in particular is a stunning device. Just expect to get what you pay for, and understand that the best laptop for using on your lap will always be. a laptop. (See also: iPad Pro vs Surface Pro for business .)

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    Sample Business Plan Excel #types #of #business

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    Sample Business Plan Excel

    Business plan template 7 download free documents in pdf sample Business Plan Template 7 Download Free Documents In Pdf Sample business plan writing plans with free sample template Sample Business Plan Excel paper on writing business plan with free sample business planning template software for business plans cash flow forecasting financial projections business strategy Business plan template 7 download free documents in pdf sample

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