Category: News

Personalized Journals Briefcases Gifts At Things Remembered #harvard #business #publishing


#personalized business gifts

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Personalized Gifts That Inspire

Journals + Briefcases

California Supply Chains Act

The company takes no action in engaging in verification of product supply chains to evaluate and address risks of human trafficking and slavery. The company takes no action in conducting audits of suppliers to evaluate supplier compliance with company standards for trafficking and slavery in supply chains. The company takes no action requiring direct suppliers to certify that materials incorporated into the product comply with the laws regarding slavery and human trafficking of the country or countries in which they are doing business. The company takes no action maintaining internal accountability standards and procedures for employees or contractors failing to meet company standards regarding slavery and trafficking. The company takes no action providing company employees and management, who have direct responsibility for supply chain management, training on human trafficking and slavery, particularly with respect to mitigating risks within the supply chains of products.

Site Map Things Remembered 2016. All rights reserved.

Buy One, Get One 50% Off

Buy one item, and get one item of equal or lesser value at 50% off. Offer is valid on merchandise purchases thru August 22, 2016 only at Things Remembered retail stores and ThingsRemembered.com. Offer is subject to change or cancellation without notice. Discount taken automatically at checkout. Fossil�, Bulova� watches, Seiko�, Howard Miller� and Willow Tree� products are excluded from the offer, and other exclusions may apply. $14.99 Shadow Box Frames with purchase are excluded from the offer. Personalization, taxes, clearance items and shipping and handling fees are excluded from the offer. Offer may not be combined with other coupons, discounts or offers, and cannot be used for prior purchases. Business Class large-order discounts may not be combined with this offer. No rain checks. No price adjustments. No cash value. Not transferable. Associates of Things Remembered and its affiliates are not eligible. Things Remembered 2016.

$14.99 Shadow Box With Any Purchase

Get select Shadow Box Frame(s) for $14.99 (regularly $25) with any purchase at Things Remembered retail locations and ThingsRemembered.com for a limited time. Mix-and-match Shadow Box Frame styles, no limit. Shadow Box Frame with purchase is subject to availability. Offer is subject to change or cancellation without notice. Personalization, taxes, and shipping and handling are excluded from the offer, and other exclusions may apply. Discount taken at checkout. Offer cannot be used for prior purchases. Business Class large-order discounts may not be combined with this offer. No rain checks. No price adjustments. No cash value. Not transferable. Associates of Things Remembered and its affiliates are not eligible. Things Remembered 2016.

$20 Off Wedding Essentials & $10 Off Wedding Gifts

Get $20 off total transaction with purchase of at least one (1) select Wedding Essential item when personalized, and $10 off total transaction with purchase of at least one (1) select Wedding Gift item when personalized, August 5 through August 7, 2016, 11:59 p.m. EST at Things Remembered retail stores and ThingsRemembered.com. Discount(s) is on total transaction and not individual items or personalization. Personalization, taxes, and shipping and handling fees are excluded from the discount. Willow Tree�, Fossil�, Bulova� watches, Seiko� and Howard Miller� branded products are excluded from the offer, and other exclusions may apply. Discount may not be combined with other offers, coupons or discounts, and cannot be used for prior purchases. Business Class large-order discounts may not be combined with this offer. No rain checks. No price adjustments. No cash value. Not transferable. Associates of Things Remembered and its affiliates are not eligible. Offer is subject to change or cancellation without notice. Things Remembered 2016.

Flash Sale Buy One, Get One Free When Personalized Men’s Women’s Leather

Buy one item, and get one men’s or women’s leather item of equal or lesser value free when items are personalized. Offer is valid on select merchandise purchases made August 17, 2016 at Things Remembered retail stores and ThingsRemembered.com. Offer is subject to change or cancellation without notice. Discount taken automatically at checkout. Exclusions may apply. Personalization, taxes, clearance items and shipping and handling fees are excluded from the offer. Offer may not be combined with other coupons, discounts or offers, and cannot be used for prior purchases. Business Class large-order discounts may not be combined with this offer. No rain checks. No price adjustments. No cash value. Not transferable. Associates of Things Remembered and its affiliates are not eligible. Things Remembered 2016.

Flash Sale Buy One, Get One Free When Personalized Women’s Gifts

Buy one item, and get one women’s gift item of equal or lesser value free when items are personalized. Offer is valid on select merchandise purchases made August 18, 2016 at Things Remembered retail stores and ThingsRemembered.com. Offer is subject to change or cancellation without notice. Discount taken automatically at checkout. Fossil�, Bulova� watches, Seiko�, Howard Miller� and Willow Tree� products are excluded from the offer, and other exclusions may apply. Personalization, taxes, clearance items and shipping and handling fees are excluded from the offer. Offer may not be combined with other coupons, discounts or offers, and cannot be used for prior purchases. Business Class large-order discounts may not be combined with this offer. No rain checks. No price adjustments. No cash value. Not transferable. Associates of Things Remembered and its affiliates are not eligible. Things Remembered 2016.

Flash Sale Buy One, Get One Free When Personalized Frames

Buy one item, and get one frame of equal or lesser value free when items are personalized. Offer is valid on select frame purchases made August 19, 2016 at Things Remembered retail stores and ThingsRemembered.com. Offer is subject to change or cancellation without notice. Discount taken automatically at checkout. Exclusions may apply. Personalization, taxes, clearance items and shipping and handling fees are excluded from the offer. Offer may not be combined with other coupons, discounts or offers, and cannot be used for prior purchases. Business Class large-order discounts may not be combined with this offer. No rain checks. No price adjustments. No cash value. Not transferable. Associates of Things Remembered and its affiliates are not eligible. Things Remembered 2016.

$20 Off Wedding Essentials when personalized + $10 Off Wedding Gifts when personalized

Get $20 off total transaction with purchase of at least one (1) select Wedding Essential item when personalized, and $10 off total transaction with purchase of at least one (1) select Wedding Gift item when personalized, July 22 through July 24, 2016 11:59 p.m. EST at Things Remembered retail stores and ThingsRemembered.com. Discount(s) is on total transaction and not individual items or personalization. Personalization, taxes, and shipping and handling fees are excluded from the discount(s). Willow Tree . Fossil . Bulova watches, Seiko and Howard Miller branded products are excluded from the offer, and other exclusions may apply. Discount may not be combined with other offers, coupons or discounts, and cannot be used for prior purchases. Business Class large-order discounts may not be combined with this offer. No rain checks. No price adjustments. No cash value. Not transferable. Associates of Things Remembered and its affiliates are not eligible. Offer is subject to change or cancellation without notice. Things Remembered 2016.

Give To Louisiana

Things Remembered is matching monetary donations made through its retail locations and ThingsRemembered.com, up to a total donation of $5,000. 100% of contributions made through its retail locations and ThingsRemembered.com will be donated to NOLA Pay It Forward Fund, which was set up by the Mayor of New Orleans and the Greater New Orleans Foundation to provide resources, early relief and rebuilding efforts to the people, families, outside parishes and communities affected by recent floods. You can also make a donation directly to the NOLA Pay It Forward Fund at www.gnof.org/nolapayitforward/.

Our Best Gifts Free With Purchase When Personalized

Buy one personalized item, and get one of our select items (Best Gifts) free when personalized at ThingsRemembered.com and Things Remembered retail locations thru September 5, 2016. Both items must meet minimum personalization requirement (one initial/one monogram/one word for $10, each additional word is $3). Personalization, taxes, shipping and handling fees, and clearance items are excluded from the offer. Fossil . Bulova watches, Seiko . Howard Miller and Willow Tree products are excluded from the offer, and other exclusions may apply. Offer may not be combined with other coupons, discounts or offers, and cannot be used for prior purchases. Business Class large-order discounts may not be combined with this offer. Discount taken automatically at checkout. Offer is subject to change or cancellation without notice. No rain checks. No price adjustments. No cash value. Not transferable. Associates of Things Remembered and its affiliates are not eligible. Things Remembered 2016.


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How to Write a Business Proposal #small #business #investment #company


#business proposal examples

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How to Write a Business Proposal

Hi there! It looks like you’re new here. Find out how to land more clients with this free guide: 16 Marketing Tactics to Get More Clients .

Photo Credits: Jomphong / FreeDigitalPhotos.net

A business proposal is perhaps one of the most critical documents you need to learn how to write. It is what spells the difference between success and failure, whether you re a freelancer or you have a company of your own.

In today s cut-throat business world, entrepreneurs find themselves spending hours upon hours submitting business proposals to potential clients, and not get any results. On the other hand, there are those that are like snipers, able to get the contract after just submitting one business proposal.

So how do they do it? Well, this article will teach you show you how to do just that.

The Basics of a Business Proposal

Before you even go and start writing that business proposal, you must first understand what it is and learn the basics.

A business proposal is a written document that offers a particular product or service to a potential buyer or client. There are generally two kinds of business proposals: solicited business proposals (which are submitted in response to an advertisement published by the buyer or client) and unsolicited proposals (submitted or given out to potential buyers or clients even though they are not requesting for one).

Business Proposal vs. Business Plan

Quite often, the terms business proposal and business plan are used interchangeably, giving you the impression that they are one and the same. But they are not.

A business proposal is created to offer a product or service to a buyer or client. On the other hand, a business plan is a formal statement of a set of business goals and how these would be achieved. The latter is only part of what is included in a business proposal.

3 Ps of a Winning Business Proposal

The secret behind writing a winning business proposal and one that will just be set aside is the presence of what I call the 3 Ps: problem statement. proposed solution. and pricing information .

Problem Statement

A successful business proposal must be one that is able to describe to the client what their needs are in a plain and simple manner. This is extremely vital because how can you expect the client to believe that you can help them solve their problems if you don t even know are these problems?

Here s an example of a well-written problem statement of a business proposal:

With the presence of social media in today’s advancing world, Puffin Media Inc. hesitated to make the leap from traditional marketing to social media marketing.

Their marketing tactics seem to be losing effectiveness and the company feels as if they are missing out on a large segment of their market. In addition, their competition has began acquiring the majority of the business in the market and have brought Puffin Media’s growing revenues to a halt.

Proposed Solution

The main objective of submitting a business proposal is to offer a solution to a problem faced by a prospective client. This part should be as detailed as possible, and able to address each and every need you have discovered.

Here s an example:

The solution that is recommended for Puffin Media Inc. is to deploy their company on all of the major social media channels; however, there is a major difference in creating social media platforms versus creating a brand you can promote on those platforms.

A marketing campaign must be created utilizing these media channels and creating immediate engagement with your audience. In order for this to be successful, you know how to make sales. Initially, acquire some fans, followers, subscribers, and connections and invite them to join you in particular discussion or attend a specific event.

The purpose of this is not only to promote Puffin Media Inc, but also to solicit feedback from the target audience.

Pricing Information

For many clients, the pricing information is what will make them decide whether they would offer you the contract or not.

How to write this part greatly depends on the solution or solutions you included in the previous segment. If the solution proposed will only entail a short period of time, a Fee Summary will suffice. For longer projects, segment these payments to specific milestones in a Fee Schedule list.

Things to Remember When Writing a Business Proposal

Now that you know the essentials of a winning business proposal, it s time to go ahead and start writing, right? Well, not exactly.

The next part is to be able to find out what to put under the 3 Ps so that you can develop a business proposal that gets their attention and awards you that contract.

Do Your Research

Not all clients and buyers will give you the explicit details of their wants and needs, especially if you re submitting an unsolicited business proposal. Extend your research to include the competitors of your potential client, and their customers as well. This will ensure that your business proposal will be as comprehensive and as detailed as possible.

Put Yourself in their Shoes

Another thing to remember when writing a business proposal is to always put yourself in the shoes of your potential clients. Doing this will help you provide information on things that they would most likely ask, such as Why should we pay you this much amount for the solutions you re offering and How can these changes benefit me?

Why You?

If you determined that a company or client has certain needs, chances are others would have done the same. That means that there will be others that have submitted their respective proposals to the company or client.

That being said, it is important to make sure to highlight your talents, experience and other qualifications to convince the client why they should choose you or your company.

Writing that Business Proposal

When you got all of these, then you re finally able to start writing your business proposal. One of the best ways on how to write a persuasive business proposal is to use a business proposal software.

Business proposal software programs helps you write your business proposal without having to worry about how they should be put together and the content that you need to include. These programs contain two kinds of proposal templates that you can use and re-use, depending on which one you need to write.

In addition to the stored templates, you can create your own proposal templates through these programs based on previous proposals you ve created, making it even more convenient for you and your business.

A Final Word…

Although business proposals present the same information and have the same layout, it s important to take time and make each one unique. Each project is different, even if it s with the same company. Remember, a business proposal must show how you or your company can help a potential client.

About Ruben

Free Guide: 16 Simple Marketing Tactics
to Get More Clients


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Best Free Business Website Templates #professional #business #cards


#business website templates

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Best Free Business Website Templates

Let us make you a pleasant surprise today. Below you will find not one, but several free business website templates. so you can choose any that you suppose to be the best one for your plans and ideas implementation. They differ in style and design, but you will appreciate the proposed templates variety as there might be a ready-made solution that could stop your long-lasting search for the best free business website design. Make sure, the easiest way to create a website is to download one of these free business website templates.

Designers worked hard to simplify the task for you and help you make the first step towards your project realization. These freebies will give you a perfect chance to make the most of your time. Go learn more about the proposed benefits and turn them into your prosperity.


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60% Off Brochure Printing #business #computers


#business brochures

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Brochures

Try Brochure Printing Today

  • Lightning-fast turnaround times, including one-day production
  • Multiple premium paper stocks and folding options
  • Brochure direct mailing services available

Customizing your brochures has never been easier. We make it possible to do almost anything with your brochure, whether it is an 8.5″ x 11″ tri-fold or a large-format right-angle half fold. If you need 50 brochures or 150,000, our state-of-the-art printing presses deliver a highly professional full-color brochure at a low cost. We can also save you time as well as money with our mailing list and direct mailing services.

Brochure printing is one of the best ways to bolster business, large or small. Brochures are one of the most diverse marketing mediums available since they are suited to a wide variety of situations. They serve as an interactive guide when explaining products and services, and point out key features and benefits to the customer. Since brochures are so inexpensive, they represent the perfect pitch when operating on a smaller budget.

PS Printing Tip: Are you planning to run your brochure through a printer? We suggest ordering a free sample kit to make sure you choose the correct paper stock. Contact our expert Customer Service representatives to order a free sample kit at 800.511.2009.

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Business Licences #penny #stocks


#business licence

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Business Licences

A Business Licence is required by every business operating in the City of Victoria.

You can renew and pay for an existing Business Licence online .

For new businesses, the Business Hub at City Hall is open to help you navigate all the steps below, and other information needed to open a business in Victoria. Connect with the Business Hub as your first point of contact.

STEP 1:

Legal Use
You will also need to confirm the legal use for a specific address according to the City of Victoria Bylaw by contacting the Permits and Inspections division at 250.361.0342.

A print copy of the City of Victoria Bylaw may be obtained free of charge from the Public Service Centre located at Victoria City Hall at 1 Centennial Square. Hours of operation are Monday to Friday, 8 a.m. to 4:30 p.m.

STEP 2:

Depending on the type of business, there are a number of supporting documents that are required when submitting a Business Licence application, including:

  • professional certificates (if applicable)
  • proof of incorporation and Notice of Articles (if applicable)
  • health inspection certificate (if applicable – for more information contact Island Health (Vancouver Island Health Authority) at 250.519.3401 or visit: http://www.viha.ca/ )
  • North American Industry Classification System (NAICS) (if applicable)

STEP 3:

Complete a Business Application Form

Send your completed application form and any supporting documentation:

Business application forms are also available at City Hall, or download one of the forms below:

STEP 4:

A Business Licence application takes approximately 10 working days to process, as a number of City of Victoria departments must review and approve an application before a Business Licence can be issued.

Approval is also required when the use of a business premise is changed, a property is developed, or building additions are undertaken, in order to ensure compliance with bylaws and regulations.

The Capital Regional District, and Provincial and Federal governments may also have additional requirements that must be met before a business can legally operate.

Once your Business Licence application has gone through the approval process and approved, you will then receive an invoice to the mailing address you provided us on your application form if you have not already made payment in person. Once your Business Licence has been paid, you will receive a Business Licence.

Business Licenses are effective from January 16th to January 15th of the following year, are non-transferable and the licence fees paid are non-refundable.

Business Licence Renewal

If you operate a business in Victoria, you are required to have a valid Business Licence, which must be renewed annually. Each November, you will receive a Business Licence Renewal Invoice in the mail which is payable by January 15 of the following year.

After February 15th, a late fee of $25 will apply to all expired Business Licences and must be paid in order for a licence to be issued. Operating a business without a valid licence may result in a fine of $250 per day.

Changes to Your Business Licence

If you have a change of address, change of name, or change of ownership, please fill out our general Business Licence application form (above) with the new changes. For change of ownership on Apartments, Rooming houses, or Boarding houses you would need to fill out our property business licence application form (above).

Other Business Requirements

Helpful information is also available on:

Business Start Up Links

There are agencies and services available to assist you with your business start-up needs:


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Tax, Payroll, Financial Services #harvard #business #school


#small business services

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“SBS was there from the start. I immediately turned the financial part of my business over to their staff and concentrated on growing my business.”

Danica Winters, The Plum Inc.

  • “Cash flow is tight in a project based business. The SBS staff know how to project, prioritize and implement excellent cash-flow management.”

    Quinn Hudson, The Hudson Group Inc.

  • “The Small Business Services’ professional team has been an integral part of my company’s success over the past 15 years.”

    Harry Page, Heat Transfer Components Inc.

    Small Business Services in Atlanta, GA

    Professional business advice can make all the difference. Founded in 1990 in Atlanta, GA, Small Business Services (SBS) has emerged as a reputable and creative advisory firm, providing guidance and financial services to the owner-managed, closely held business, and to individuals who can benefit from strategic planning and goal-setting. Our business services include financial planning. consulting. tax preparation. quickbooks training. payroll. bookkeeping. accounting. and small business management solutions. Whether experiencing new challenges or starting new, SBS can serve your company with hands-on involvement.

    We work with small businesses across many industries such as Non-Profit, Real Estate, Design Creative, Retail Restaurants, and Sales Service.


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  • SBS – About SBS #financing #a #small #business


    #small business services

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    The Department of Small Business Services (SBS) helps unlock economic potential and create economic security for all New Yorkers by connecting New Yorkers to good jobs, creating stronger businesses, and building a fairer economy in neighborhoods across the five boroughs.

    Helping Businesses Form and Grow

    NYC Business Solutions is a suite of services that help businesses start, operate and expand in New York City. Regardless of the size or stage of a business, NYC Business Solutions can help meet the needs of entrepreneurs and business owners. NYC Business Solutions services can be accessed at NYC Business Solutions Centers located in the five boroughs. Services include:

    Business Planning to help businesses develop appropriate strategies to reach their business goals

    Business Courses to teach businesses business planning, computer-based bookkeeping, and marketing skills

    Financing to help businesses identify lenders, package loan applications, and increase their chances of receiving loans

    Legal Review of Contracts and Leases with a network of lawyers offering pro-bono services

    Hiring to provide businesses access to a ready pool of screened job candidates

    Training Funds to improve the skills of entry-level employees while increasing the profitability of businesses

    Minority/Women-owned Business Enterprise Certification to help businesses become certified and access assistance related to bidding and procurement opportunities and to technical support through SBS Division of Economic and Financial Opportunity.

    Navigating Government to help businesses understand regulations and meet requirements

    Incentives to save businesses money as they relocate, expand or make capital improvements

    NYC Business Acceleration helps businesses open or expand more easily and faster, operate more smoothly, and recover from disasters. Business Acceleration provides a variety of services to help businesses navigate government rules and regulations, permits, licensing, and inspections. Services include free one-on-one client management, plan reviews, consultations with inspectors, and inspections from City agencies including Buildings, Fire, Health and Mental Hygiene and Environmental Protection.

    Connecting New Yorkers to Jobs and Training

    SBS runs New York City s workforce development programs, which connect employers to a skilled workforce and provide training and placement services to the City s adult workforce. Workforce1 Career Centers are located throughout the five boroughs and provide the City’s jobseekers with a full array of employment services including career advisement, job search counseling, skills training, and job placement. SBS operates these centers in coordination with the New York State Department of Labor and the City University of New York, combining the expertise of many different organizations to provide a seamless network of employment services and business development resources.

    Investing in New York City s Commercial Districts

    SBS oversees and supports New York City’s network of 72 Business Improvement Districts (BIDS) – the most comprehensive system of its kind in the country. BIDs are locally based organizations that keep their commercial districts clean and safe, market those districts to consumers, visitors and new businesses, and invest in capital improvements to open opportunities for other economic development initiatives to succeed. Collectively, New York City s BIDs contribute $80 million in supplemental services to more than 64,000 businesses.

    SBS runs Avenue NYC. a public/private partnership to build thriving neighborhood business districts throughout New York City. SBS works with local partners to make seed investments in maintenance, capital improvements, business recruitment, real estate development and marketing, which attract additional private investment and encourage business growth. Avenue NYC is currently working in more than 100 neighborhoods throughout the five boroughs.

    Promoting Opportunities for Minority and Women-Owned Businesses

    NYC Business Solutions is committed to encouraging a competitive and diverse New York City business environment. NYC Business Solutions Certification and Access supports local and historically underserved small businesses by certifying Minority- and Women-Owned Business Enterprise, Locally-Based Enterprise, and Emerging Business Enterprise and working to ensure their access to New York City contract opportunities. SBS also provides a host of free services to help certified firms grow, including educational seminars, business counseling, networking events, access to bonding, and capital and bidding assistance.


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    Business Plan Templates – Free Sample and Example of every Template #sba #grants


    #free business plan

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    By department

    Business Plan Templates

    Your business plan is probably the most important thing your startup can work on creating and updating, especially in the first five years. It helps you and your team stay focused on results and then helps you guys persuade potential investors and advisors of how awesome your business is. That’s why we’re offering you free business plan templates to help you automate the process and to focus on the parts that count, not the formatting, copy-pasting and legal mumbo jumbo.

    Remember, the most important part of your is presenting your team as an experienced, cohesive group of entrepreneurs that is more than capable of building a business that’s successful in the long-term. Include examples of how you have each of you has experience managing a team, finances, marketing and/or sales. Feel free to put a face with the name by adding headshots and prove that experience by including LinkedIn profiles and add CVs or resumes to the addendum.

    Next, once they are convinced with your team, potential investors are going to want to take a long hard look at your financial plan. Each template includes spreadsheet samples with automatic formulas and examples each of: a Cash Flow spreadsheet, a Break-Even Analysis Spreadsheet, and a Profits and Loss Analysis with Graph. Each sample was developed by lawyers who have written business plans for successful entrepreneurs. And we had an awesome economist design these easy-to-complete financial plans.

    Smart Document Automation for Sales

    Claim your 14-day free trial. No credit card required!

    Any early stage startup could use this subscription agreement template as a free sample to outline the agreement in which investors offer payment for equity and shares in your budding business.

    This free budget proposal template is perfect for both a small business or a nonprofit to outline funds used for investors and donors.

    We offer you the steps and the tools to create a fantastic business plan. Attract investors with this sleek and free startup business plan template.

    Think you have the solution for local tourism? Kick off your hotels empire with this free hotel business plan template to assure investors and guests.

    You’re ready to go out on your own to share your fabulous breads and pastries with the world. This free bakery business plan template is just what you need to get going.

    Looking for investors and permits for your new cafe? Use this free Coffee Shop Business Plan Template to get all your cups in a row.

    Always dreamed of starting a restaurant? This free restaurant business plan template is your first step in making your dream a legal, planned reality.

    This free grant proposal template not only helps you put your most professional foot forward, it offers you loads of tips to make your project shine.

    Your potential investors are spending the most time reading one part of your business plan. Use this executive summary template to make your business idea shine.

    Use this free financial funding proposal template to present your organization as responsible and worthy of funding.

    This business plan template is a great tool for your startup to customize to reflect your strong qualifications, experienced team, and marketable business idea.

    You’re finally ready to open your own salon. This salon business plan template and tips will help guide you how to present your salon as a sound investment.


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    Small Business Solutions #internet #home #business


    #small business solutions

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    Small Business Solutions where you’ll be mentored to understand your business needs.

    Are you a small business, looking for practical advice from someone in the know?

    Do you find yourself needing a little extra help to make the most of your enterprise?

    Then Small Business Solutions is the place for you.

    With time constraints and so many areas of your business to manage and operate, it’s easy to feel overwhelmed and feel the need to ask for help along the way. Small Business Solutions is developed specifically to help those in smaller set ups who want tried and tested solutions to their business issues.

    We have a dedicated team of business mentors to provide an objective opinion on how best to tackle any questions, problems or concerns within your business.

    The business coaching scheme will help you achieve a full business health-check, access vocational training through workshops to maximise the productivity, growth and profits of your small business.

    Small Business Solutions is an award-winning Queensland Smart State initiative designed with small businesses, micro businesses and home-based businesses in mind. As we are government subsidised, seeking support from Small Business Solutions is an affordable way to get great results.

    Alice is passionate about helping business owners to find new opportunities for growth.


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    Stock Market Today: Market Bliss as Crude Oil Craters #unsecured #business #loan


    #financial markets today

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    Stock Market Today: Market Bliss as Crude Oil Craters

    The session was quiet, but there s a storm brewing

    Aug 1, 2016, 5:43 pm EDT | By Anthony Mirhaydari. InvestorPlace Market Strategist

    U.S. equities mostly moved lower on Monday amid relatively quiet trading. The super-tight trading range that s followed the historic post-Brexit rebound moved into its fourth week as volatility is smashed lower.

    But this apparent calm belies the accelerating selloff underway in crude oil, which is down nearly 23% from its high after falling below the $40-a-barrel benchmark for the first time since April. You wouldn t know it by looking at the sideways skid in large-cap stocks, but oil has entered a new bear market driven by a return of oversupply worries.

    In the end, the Dow Jones Industrial Average lost 0.2%, the S P 500 Index lost 0.1%, the Nasdaq Composite gained 0.4% and the Russell 2000 ended the day 0.1% lower. Further, Treasury bonds were weaker, the dollar was higher, gold gained 0.2% and oil fell 3.7%.

    Energy stocks led the decliners with a 3.3% loss followed by telecom and materials. Technology stocks put in a strong showing, with FANG icon Amazon.com, Inc. (NASDAQ: AMZN ) up 1.2%. SolarCity Corp (NASDAQ: SCTY ) fell 7.4% as it reached a final deal to be acquired by Tesla Motors Inc (NASDAQ: TSLA ) in an all-stock deal with around $2.6 billion. Separately, Trina Solar Limited (ADR) (NYSE: TSL ) gained 25.2% after agreeing to be taken private in an all-cash deal worth $1.1 billion.

    The decline in crude was encouraged by a Reuters report that OPEC output likely increased to a record in July and a Bloomberg article that hedge fund bets again energy have increased by the most since at least 2006. Data from Yardeni Research also shows a recent bounce in U.S. drilling rig counts.

    As a reminder, recent concern has focused on swollen gasoline inventories, which have pinched refiner margins and slowed cracking activity, which in turn threatens to worsen the glut of crude.

    The weakness in energy stocks appears to just be getting started as shares of stocks like Exxon Mobil Corporation (NYSE: XOM ) has badly disconnected from crude oil during the February-July rebound driven by hopes of an OPEC-Russia oil supply freeze deal.

    XOM fell through last week s lows in what looks like a looming test of its 200-day moving average not touched since February. The company reported a top- and bottom-line miss last week, with earnings of 41 cents per share missing expectations for 64 cents on a 22% drop in revenue to $57.7 billion.

    Valuations are ridiculous: Consider that XOM s current trailing twelve-month price-to-earnings ratio is nearly double what is considered fair value.

    The decline boosted the Aug $94 XOM puts recommended to Edge Pro subscribers to a gain of 314% since recommended on July 21.

    The oversupply is only going to get worse. Libya announced oil ports closed due to civil unrest are to resume exports, Iran is aggressively ramping output now that sanctions have been lifted, Saudi Arabia just cut the price of oil to Asian markets, and Russia s energy minister said he did not see a coordinated action on curtailing oil output with OPEC.

    Also weighing on sentiment were hawkish comments from NY Fed President William Dudley that the futures market was too complacent about the risk of more than one quarter-point interest rate hike by the end of 2017. He reiterated that a hike was possible ahead of the presidential election in November.

    All of this threatens the quietest few weeks in the stock market in decades. Yet even within this relative calm, there is evidence of weakness: After a record of nine straight up days the Dow is now down six days straight. That s the worst result since last August.

    Anthony Mirhaydari is founder of theEdgeandEdge Proinvestment advisory newsletters. A two-week and four-week free trial offer has been extended to InvestorPlace readers.

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