Tag: About

What You Need to About Small Business Templates #business #continuity


#business templates

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What You Need to About Small Business Templates

There was a time, long ago, when the company opened a new process which was relatively unexplored. When you look back to the colonial times it was not very many businesses. The town Baker was not very competitive because it was probably the only baker around. Fast forward to today, and the small business has become a very big business. Small companies have already started so often that there are many small business templates available when starting a business or perform functions within the company.

There are templates out there today to help a person in the process of launching new businesses. If you look at the franchises available today, many of them are opening every store in a certain way. It help investors to rationalize certain functions and marginal costs. If you do not do something the same way every time you all can do it much faster and often save a lot of money at the same time.

Small shops, where the ownership remains in the hands of large corporations are well known to the following pattern. They are able to benefit even more from the individual store, because the corporation owns a very small store fronts. Many times they ensure the creation of new shop windows and buy in bulk. This saves even more money. Creating a cookie cutter store and perform the same function, and save a lot of time.





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What You Need to Know About Stock Markets Today #at #home #business #ideas


#financial markets today

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What You Need to Know About Stock Markets Today

By Anne Kates Smith | October 2010

Thanks to electronic trading, the stock market is wilder than ever.

Editor’s Note: We are re-featuring this guide to understanding the markets in light of the announcement on February 15 that the parent company of the New York Stock Exchange has agreed to merge with Deutsche Boerse. The merger would create the world’s largest operator of financial markets. Deutsche Boerse shareholders would own 60% of the merged company; NYSE Euronext shareholders, 40%. The text below has been updated since publication in the October 2010 issue of Kiplinger’s Personal Finance and the data is as of February 16, 2011.

1. There’s no “there” there. You may picture a bustling exchange, where commerce begins and ends with the clang of a bell. But the “stock market” is an increasingly fragmented collection of more than 50 trading platforms, almost all electronic, with various protocols, rules and oversight.

2. The Big Board has shrunk. Images of the New York Stock Exchange still dominate business-news broadcasts. But, in fact, just 34% of the trading volume in stocks listed on the NYSE actually occurs on the exchange, down from 79% in 2005. Nasdaq, the first electronic exchange, accounts for about one-fifth of all U.S. stock trading. Newer exchanges, such as Direct Edge, in Jersey City, N.J. and BATS Exchange, in Kansas City, Mo. each account for about 10% of trading volume. About 30% of U.S. trading volume takes place off exchanges.

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3. ECNs are the new matchmakers. Electronic communication networks match up buy and sell orders at specified prices for institutional investors and brokers. This is where “after-hours” trading occurs. In addition, hundreds of broker-dealers execute trades internally, filling orders out of their own inventory.

4. Some trades are shrouded in mystery. You’ve heard of dark stars. Now there are dark pools — private networks, sponsored by securities firms, where professionals trade without displaying price quotes to the public beforehand. Such dark pools account for more than 10% of stock-trading volume. The Securities and Exchange Commission wants to make dark pools more transparent to avoid a two-tier market that denies the public important pricing information.

5. You’re sure to get the best price — most days. According to an SEC rule, your trade is supposed to be routed to the platform with the best price at that moment. But when some venues aren’t functioning as normal, exchanges may override the rule. The rule didn’t apply during the “flash crash” of May 2010, when an intentional slowdown on the NYSE caused orders to be routed elsewhere, at lower prices.

6. There are fewer traffic cops. In the old days, specialists and market makers kept markets liquid by stepping up to buy — or sell — when a stampede of investors headed the other way. Now, not all exchanges require market makers. High-frequency traders, who program computers to profit from minute price discrepancies and can execute trades in milliseconds, were supposed to fill the void. But they don’t have to, despite the fact that they often account for 50% or more of total trading volume.

7. Stoplights are coming. A pilot plan, recently extended until April, calls for stock-by-stock circuit breakers that would be applicable across all trading platforms. The plan currently applies to stocks in Standard & Poor’s 500-stock index, the Russell 1000 index and certain exchange-traded funds, and calls for a trading pause if the share price changes by 10% within a five-minute period. Since December, market makers in exchange-listed securities have been required to maintain continuous buy and sell quotes within a certain range of a security’s most recent share price, putting an end to occasionally ridiculous quotes, far removed from prevailing prices, that were never meant to be executed.


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SBS – About SBS #grants #for #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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About Sumy Designs – Who We Are and What We Do – Sumy Designs

#business website design

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Who We are and What We Do

We are Sumy Designs, LLC. Our business is based in West Lafayette, Indiana.

Our History: Sumy Designs was created by two sisters, Susan Sullivan and Amy Masson in 2006. Susan had been working as an advertising and marketing director with a large publishing firm while Amy had been teaching computer technology. After leaving those respective career paths, a friend asked if we’d like to make a website for her. We said yes. A friend of this friend saw that website and asked us to make a website for her. We said yes. And so and so forth and now we have created many, many sites for many happy clients across the US, Canada, and England.

Susan is our designer, in charge of all things creative and beautiful. She has the vision and skills it takes to create custom masterpieces for every project.

Amy is our resident technical expert, with the skills to make every website function as it should.

Interesting fact: While the business is based in West Lafayette, Susan lives in the Dallas Forth Worth area. We work together virtually, via email and video chat, to seamlessly design, manage, and maintain projects of all sizes.

Where’d you come up with the name Sumy? It’s a combination of our first names. SU san and aMY.

Our Support Team

While Amy does the behind the scenes work and Susan does the design, there are a lot of other areas that need attention, so we have recruited a team of fabulous people to work with us to bring these jobs to completion. Being a virtual business, we are able to employ people from all over the country to work with us.


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


#small business services

#

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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What You Need to About Small Business Templates #internet #business #ideas


#business templates

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What You Need to About Small Business Templates

There was a time, long ago, when the company opened a new process which was relatively unexplored. When you look back to the colonial times it was not very many businesses. The town Baker was not very competitive because it was probably the only baker around. Fast forward to today, and the small business has become a very big business. Small companies have already started so often that there are many small business templates available when starting a business or perform functions within the company.

There are templates out there today to help a person in the process of launching new businesses. If you look at the franchises available today, many of them are opening every store in a certain way. It help investors to rationalize certain functions and marginal costs. If you do not do something the same way every time you all can do it much faster and often save a lot of money at the same time.

Small shops, where the ownership remains in the hands of large corporations are well known to the following pattern. They are able to benefit even more from the individual store, because the corporation owns a very small store fronts. Many times they ensure the creation of new shop windows and buy in bulk. This saves even more money. Creating a cookie cutter store and perform the same function, and save a lot of time.





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Stock market strength is about the equity risk premium #business #templates


#current stock prices

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This stock market rally isn’t like the others

Wikimedia Commons

The rally in stocks to all-time highs has little to do with earnings – the most important driver of stock prices – according to Deutsche Bank.

According to Dominic Konstam and team, writing in a note Friday, the rally is about the declining equity risk premium, which is simply the excess return the stock market provides over a risk-free rate like bond returns.

The premium jumped after stocks plunged in the financial crisis, with investors demanding as much as 7% more from choosing stocks over bonds. It has now fallen closer to its historical norm of 2% as bond yields also fell, implying that the return investors require to be compensated for their risky investments in stocks has fallen.

The sovereign bond yields in many developed countries are at or near record lows. Yields on benchmark bonds in Germany and Japan plunged deeper into negative territory after the rush to government-debt markets sparked by the UK’s decision to leave the European Union.

As nominal yields have fallen, investors have rotated into higher-yielding assets, Konstam said.

“The current cycle stands out in that earnings have played almost no role in the SPX rally. In fact, earnings were a slight drag on equities and were only offset by an aggressive multiple expansion. More than 90 percent of the rally was attributed to a collapse in equity risk premium. In sharp contrast, the equity gains in the 1980s and 2000s were all about earnings growth, and in 1990s earnings still accounted for more than half of the rally.”

The equity risk premium is still some 2% higher than its historical average over the last 30 years – so it could fall further. This gives the S P 500 room to rise another 200 points, Deutsche Bank estimates.

But earnings and expectations for them remain the biggest driver of stock prices. And because the second-quarter earnings season could mark the fourth straight decline in year-over-year S P 500 earnings, that’s a near-term risk to the rally, according to Deutsche Bank.

SEE ALSO: The most important mover of stock prices is not the one driving this rally to all-time highs


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A Rant About Asking People if They Are “Busy” – Red Hot – Business

#busy

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A Rant About Asking People if They Are “Busy”

A Rant About Asking People if They Are “Busy”

I have a request that will help you and your fellow business owners….

Stop asking people if they are busy to see how they are.

We ask people this as if them responding with a “yes” is a good thing?

I don t know anyone who truly wants to feel busy. “Busy” normally goes along with feeling over-worked, tired and stressed out, it usually means not being relaxed and surviving on adrenaline. I don’t know anyone that really enjoys those feelings on an ongoing basis (and I certainly don’t like it either).

I do like to feel challenged though. I do like to feel that I m in demand. I do like to feel that I have a good flow of business to keep me profitable. I like to feel that I’ve got things under control and be relaxed about it (even when I’m working hard).

To me, Busy is a dirty four letter word. We are trained from an early age that busy is a great definition of success Because if we re busy then we must be successful, right? It s not true though. Busy is NOT a sign of success. Busy might mean that we have a lot of clients or work on, but it’s very easy to be busy yet not be profitable. And it s easy to be busy and profitable and still not be happy!

In my observation from coaching hundreds of business owners most are too busy. Their business runs them. So a better question might be How s business? or How s everything working out?” Let’s break the curse of ‘busy being a good thing in business.


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Articles about Business #sba #lenders


#business articles

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Business

February 17, 2014 | By Michael Hiltzik

A few days ago the Public Broadcasting Service announced it was returning a $3.5-million grant it had received from a Texas billionaire to fund a series of documentaries about the “pension peril” — the costs to cities and states of their public employee retirement obligations. PBS took the action after a report in the tech news website PandoDaily exposed the conflict of interest underlying the original donation. That was the good news. The bad news was that PBS had accepted the funding from a self-interested billionaire in the first place.

ARTICLES BY DATE

April 27, 2014 | By Jerry Hirsch and David Undercoffler

Toyota Motor Corp. plans to move large numbers of jobs from its sales and marketing headquarters in Torrance to suburban Dallas, according to a person familiar with the automaker’s plans. The move, creating a new North American headquarters, would put management of Toyota’s U.S. business close to where it builds most cars for this market. North American Chief Executive Jim Lentz is expected to brief employees Monday, said the person, who was not authorized to speak publicly. Toyota declined to detail its plans.

May 11, 1999 | DEBORA VRANA, TIMES STAFF WRITER

Sue Herera and Maria Bartiromo are two of the best-known faces in financial journalism, a world once dominated by white men in suits. Both women, in recent interviews, expressed their thoughts on the stock market, the booming demand for business news and their ever-busier lives. Sue Herera, 41, grew up in Brentwood. Her father was a shoe wholesaler and her mother a homemaker.

April 24, 2014 | Times Editorial Board

Something stinks in Irwindale. In recent months, officials in the largely industrial San Gabriel Valley city have appeared to be on a crusade to shut down Huy Fong Foods, the company that makes a wildly popular Sriracha sauce, for emitting chili and garlic odors that bother some neighbors. While a city should protect residents from harmful and/or unpleasant fumes, Irwindale’s aggressive and unreasonable tactics have threatened to drive a home-grown enterprise out of state and bolstered California’s unfortunate reputation as a bad place to do business.

April 24, 1997 | KIMBERLY BROWER

Pots were boiling, pastries were baking and bodies were moving Wednesday as students at Aliso Niguel High School prepared a special luncheon to announce the start of an internship program to teach students the restaurant business. Students spend 15 hours a week working at local restaurants as part of their Culinary Arts Department curriculum. They also may receive community college credit.

December 15, 2009

IMac delays blamed on its popularity Apple Inc. said the popularity of its new iMacs has led to shipment delays, causing two-week waits for customers ordering a 27-inch version of the desktop computer through the company’s website. Apple started selling updated versions of its all-in-one iMac computer in October. The Apple fan site AppleInsider.com, citing resellers, said some buyers of the 27-inch models have complained about flickering screens and yellow-tinged displays — problems that Apple may be delaying production to fix. Users also have reported screen malfunctions on the iMac discussion board at Apple’s website.

April 24, 2014 | By Richard Verrier

It’s the question on the minds of many in Los Angeles’ film community: Does Gov. Jerry Brown get how badly the state’s film and TV industry has been squeezed by runaway production? Kish Rajan, director of the Governor’s Office of Business & Economic Development, offered some reassuring words to film commissioners and industry executives who gathered in Hollywood on Thursday for an annual breakfast hosted by the California Film Commission. Rajan stopped short of saying whether Brown would rally behind a bill winding through the Assembly that would significantly expand California’s film and TV tax credit program, which allocates $100 million annually but is due to run out of funds next year.

April 22, 2014 | By Ricardo Lopez

Swiss pharmaceutical titan Novartis AG on Tuesday announced an overhaul of its operations that involved several multibillion-dollar deals with GlaxoSmithKline intended to allow Novartis to focus on its oncology business and boost profitability, the companies said. The spate of deals follows recent consolidations in the pharmaceutical industry with large price tags, including the $5.6-billion acquisition of an Anaheim specialty drug firm by Irish pharmaceutical company Mallinckrodt this month.

April 19, 2014 | By Mike Bresnahan

The six brothers and sisters, with a gap of 31 years from eldest to youngest, gathered in the winter near the first anniversary of their father’s death to discuss some problems about the family business. It’s also the city’s treasured sports team – the Lakers. The team was nose-diving in the standings, losing the interest of fans, and grinding toward its worst season since the team moved to Los Angeles in 1960. So Jeanie Buss posed an elementary question to her siblings: What was going on with the Lakers?

April 19, 2014 | By Lance Pugmire

Saku Koivu saw his retiring teammate, friend and Finnish countryman Teemu Selanne skate around the arena bathed in cheers last week in the Ducks’ final regular-season home game. Moved, of course, Koivu quickly set aside the moment that’s so close to home. Because there are still games to win. Koivu, 39, could be just as close to retirement as Selanne, but the 18-year NHL veteran center hasn’t officially announced his intentions. “Very private guy, very unselfish – been like that a long time,” Koivu’s linemate Andrew Cogliano said.

April 18, 2014 | By Chris Lee and Todd Martens, Los Angeles Times

INDIO, Calif. – Dee Dee Penny, lead singer of the Dum Dum Girls, is no stranger to performing at giant summer musical events. At the first of the two-weekend Coachella Valley Music and Arts Festival events last Friday, her retro-rock act played before thousands of ecstatic fans. She was just one of an eclectic roster of female artists who galvanized Coachella audiences. Teenage provocateur Lorde dazzled amid a howling dust storm in her summer music festival debut. R
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What You Need to About Small Business Templates #business #listings


#business templates

#

What You Need to About Small Business Templates

There was a time, long ago, when the company opened a new process which was relatively unexplored. When you look back to the colonial times it was not very many businesses. The town Baker was not very competitive because it was probably the only baker around. Fast forward to today, and the small business has become a very big business. Small companies have already started so often that there are many small business templates available when starting a business or perform functions within the company.

There are templates out there today to help a person in the process of launching new businesses. If you look at the franchises available today, many of them are opening every store in a certain way. It help investors to rationalize certain functions and marginal costs. If you do not do something the same way every time you all can do it much faster and often save a lot of money at the same time.

Small shops, where the ownership remains in the hands of large corporations are well known to the following pattern. They are able to benefit even more from the individual store, because the corporation owns a very small store fronts. Many times they ensure the creation of new shop windows and buy in bulk. This saves even more money. Creating a cookie cutter store and perform the same function, and save a lot of time.





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