Tag: About

About – Small Business Trends #business #opportunity

#small business

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About

Small Business Trends is an award-winning online publication for small business owners, entrepreneurs and the people who interact with them.

Small Business Trends is the premier source of information, breaking news and advice covering issues of key importance to small businesses. Along with the regular editorial staff, the site has 400+ vetted experts who volunteer their knowledge, insights, successes and failures. It is one of the most popular and highly-trafficked independent destinations on the Web exclusively focused on small businesses.

Mission Statement: Small business success delivered daily.

The Small Business Trends website appears on countless Top and Best of lists of small business resources. The company also operates:

  • BizSugar This social sharing site points you to the finest and most interesting content shared by the small business community at large a one-stop shop for great reading. Over 1 million registered members. The BizSugar Top 10 newsletter is eagerly anticipated each Friday. Acquired in 2009.
  • Tweak Your Biz A group business site with an international flair.

Small Business Trends also is the producer of two awards that recognize and support distinct interest segments of the small business market:

  • Small Business Book Awards Recognizes the efforts of entrepreneur-authors and is a resource for small-business book lovers. Business books are an important source of learning for business owners who may not have the time or budget for conferences. Since 2009.
  • Small Business Influencer Awards Recognizes the unsung heroes of small businesses: the experts, consultants, professional services providers, vendors, journalists and others that serve and influence the small business market. Since 2011.

Small Business Trends LLC is a woman-owned small business. It was founded in 2003 by Anita Campbell, and is headquartered near Cleveland, Ohio, USA.

Content is syndicated through Newstex and other sites around the Web. Small Business Trends currently reaches over 6,000,000 readers annually, via direct visits, RSS feeds (120,000+ subscribers), newsletters and social feeds (200,000+), and syndication.

The name Small Business Trends is a registered trademark of Small Business Trends LLC.

Small Business Trends is committed to reporting fairly. Our writers and editors may not write about people or entities with which they have financial interests, without disclosure. Our coverage is not influenced by advertisers.

Advertising is handled by our advertising department and is kept separate from the editorial department. Advertising and Sponsored Content is clearly identified as such.

Editorial review policy: We do not accept payment for reviewing books or products, or pointing them out as resources. Our book reviewers may, however, receive review copies of books (a customary practice in the publishing industry). For software product reviews, our reviewers typically use free accounts, demo accounts or temporary review accounts. For hardware reviews, we typically use temporary product loans provided for media review purposes, or a product previously owned by the reviewer.

A former corporate attorney and General Counsel, she went on to become the CEO of a technology subsidiary of Bell Howell. Happily running her own business for the last decade, she founded Small Business Trends while looking for a simple way to publish newsletter articles. The site quickly grew, and other sites focusing on the small business market were acquired along the way.

Anita has served on numerous Boards, including the Board of NEOSA (the technology network of COSE, Council of Smaller Enterprises); the Center for eBusiness and Information Technology at the University of Akron College of Business; and NorTech. She has a B.A. degree from Duquesne University and a J.D. degree from the University of Akron School of Law. She completed an executive education program at the University of Michigan Business School.

Anita s focus today is on growing the online publishing business. But she also maintains active commentary on small business issues on various media and Web properties. Read more about founder Anita Campbell .

Staci is the Chief Operations Officer of Small Business Trends. She is responsible for oversight of the day-to-day operations of the Small Business Trends network, the commissioning and scheduling of site content on Small Business Trends. relations with Small Business Trends Experts, creation of custom content, relations with syndication partners, marketing, staff oversight, staffing requirements and quality assurance.

She was also the Producer of the former Small Business Trends Radio Show. a podcasted radio show featuring interviews with small business experts across various industries where she was responsible for guest scheduling, scouting and show content.

After being a 20-year member of the rat race, Staci traded in her office, opted out – and joined the virtual world and the Small Business Trends community. Staci is a graduate of the Bradford School of Business and currently resides and works in Pennsylvania. She was the first person to come on board at Small Business Trends. after the Founder, in 2006.

Leland is the Chief Technology Officer at Small Business Trends. He is responsible for all technical aspects of the Small Business Trends network of websites. Leland is responsible for programming, design and maintenance of the sites, as well as server administration. He has performed work for Small Business Trends since 2010.

Leland has a long-standing passion for website development. While in high school, he created the website for the local elementary school, and in college he was responsible for maintaining the student government website.

Leland currently resides and works in Oregon. He attended Blue Mountain Community College, earning an Associate of Science Degree in Computers and Mathematics. He received his Bachelors Degree in Computer Science from Oregon State University.

Tamar focuses on business development, content strategy, and advertising sales.

She is the author of The New Community Rules: Marketing on the Social Web and has worked for Mashable, Gawker Media, Search Engine Roundtable, and Real Simple Magazine, among others.

Shawn focuses on small business news coverage, other editorial content, and working with Small Business Trends growing community of correspondents and contributors.

Before coming to Small Business Trends, Shawn spent more than a decade in the traditional newspaper business in various positions from beat reporter to bureau chief and managing editor. He has also served as the community manager for BizSugar.com and as Community Editor at AllAnalytics.com, a UBM Tech site.

Amanda Stillwagon is in the marketing department for Small Business Trends. Amanda oversees online marketing, email marketing, newsletter creation and social media marketing for the Small Business Trends group of sites.

Amanda formerly served as Editor of Small Business CEO, where she was responsible for editing, content, site management and the oversight of guest contributors.

Amanda had her own candle making business, and was also the former office manager of a veterinary office. She joined Small Business Trends in 2008.





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About – Business Today #harvard #business #school

#business today

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From the beginning, in 1968, our mission has been to create a dynamic forum for influential business leaders to interact with top undergraduate students from campuses worldwide, and to educate the leaders of tomorrow.

Business Today Magazine

Our oldest program, the Business Today Magazine, is the most widely distributed undergraduate publication in North America. With a significant direct-to-student distribution, we reach students from dozens of campuses all across America. Since our founding in 1968, we have published over 100 issues of Business Today. All of our operations are done in-house – writing, compiling, editing, designing, publishing, distributing – by our Magazine team. Remaining true to our mission, we distribute the magazine at absolutely no cost to our readers. Our content consists of exclusive executive interviews, student-written articles, and BT originals. We receive article submissions from contributors all over the world, and take care to compile those that fit best into our theme. Recent executives interviews include: Paul Volcker, Former Chairman of the Federal Reserve; Michael Ostrove, CEO of Paul Stuart, Ian and Shep Murray, Co-CEOs of Vineyard Vines; Bryan Schreier, General Partner at Sequoia Capital; Martha Stewart; and Clive Brown, COO of J.P. Morgan.

Our most interactive program, our Conference Series, brings together students and executives in a meaningful, face-to-face forum twice a year. The Conferences are our second-oldest program, and certainly one of our most popular, with thousands of applicants from over 30 different countries and 6 continents. We are very proud to say that all of our Conferences are free of cost or heavily subsidized for all student attendees, following our mission of providing access to all undergraduates from different geographies or socioeconomic status.

Our International Conference is in its 42nd iteration in 2016, and will take place in New York City from November 20th – 22nd, 2016. As Business Today’s flagship program, the IC hosts 150 students from all corners of the world. With inspiring keynote speeches, intimate seminars (both on-site and at corporate headquarters), an engaging case study competition, and a new seed-funding competition, the International Conference is the hub for incredible dialogue between students and executives. Past keynote speakers include Jeff Immelt, CEO of General Electric; Muhtar Kent, CEO of Coca-Cola; Wendy Kopp, Founder of Teach for America; and Steve Schwarzman, CEO of Blackstone. This year’s theme is “Rise of the Millennial Generation: Bridging the Gap.”

Women in Business Conference:

We launched our first Women in Business Conference in November 2015. Business Today’s Women in Business Conference provides female students from all backgrounds with the cost-free opportunity to attend a mentorship-focused conference that helps to develop an understanding of what challenges women face in the business world and how to overcome them. Past keynotes include Anna Sedgley, CFO of Dow Jones, Beth Comstock, Vice Chair of General Electric, and Barbara Byrne, Vice Chairman of Barclays. This year’s conference will take place in NYC in October.

For the past three years, we have partnered with Sequoia Capital to address the gap between West Coast start-ups and East Coast students. We are bringing together more than 250 of the brightest engineers and a handful of venture-backed start-ups to New York City both to learn from intimate seminars and keynotes, as well as to interview on-site for job openings. Past keynote speakers include Bryan Schreier, General Partner of Sequoia Capital; Bob Lee, CTO of Square; Vladimir Tenev, Co-Founder of Robinhood; Drew Houston, Co-Founder of Dropbox; and Patrick Collison, Co-Founder of Stripe.

One of our newest programs, the Digital Platform bears the mission of breaking down geographic barriers and creating a dynamic forum for students and executives all around the world. Furthermore, it allows us to capture and present our content from all of our programs, and make it accessible to students all over the globe. The Digital Platform was designed to be a highly interactive, content-oriented site, where students can come to read and contribute to conversations that are meaningful to them. We have exclusive executive interviews, articles written by both students and executives in response to each other, as well as exclusive content from all of our other programs.

With several outstanding programs beyond the Princeton campus, the Seminar Series looks back toward our academic community and works to connect executives with students here in Princeton. The gap we address is closer to home, creating a forum for Princeton students and corporate executives at our university, which does not have a business school. We work with companies in a wide range of industries to create a customized seminar that will be both engaging and educational for the self-selected students who attend the seminar. Our seminars strive to foster genuine discussions about a range of topics affecting today’s world. Past seminars include Howard Schultz, CEO and Chairman of Starbucks; Madeline Jacobs, CEO of the American Chemical Society; Jim Goldman, CEO of Godiva Chocolatier; Jonathan Mariner, CFO of Major League Baseball; Hiromichi Morimoto, President and CEO of Mitsubish Heavy Industries America, Inc.; Ron Meyer, Vice Chairman of NBCUniversal; and Jack Dorsey, Co-founder and CEO of Twitter and Square.

Our leadership consists of over a dozen officers, all Princeton undergraduates, who have dedicated a considerable amount of their time to the organization. Each of us directs a different program of the organization, with Asst. Directors and Staff on each team. This year, our organization has more than 60 active members, making it one of the largest student organizations on campus.

Feel free to email any of us with feedback, comments, or inquiries. We are always committed to improving the organization.





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Stock market strength is about the equity risk premium #boston #business #journal

#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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Better Business Bureau: Trump Lied About Trump University Rating #dog #walking #business

#better business bureau

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Better Business Bureau: Trump Lied About Trump University Rating

The Better Business Bureau on Tuesday briskly refuted a number of statements that Republican presidential candidate Donald Trump has made about Trump University, the now-defunct real estate seminar provider that many students allege was a scam.

In last Thursday’s Republican debate, the candidate defended Trump University despite the multiple lawsuits brought by former students and the state of New York.

Challenged by Fox News moderator Megyn Kelly about Trump University’s D-minus rating from the Better Business Bureau, Trump said that “right now it is an A.”

During a commercial break, Trump was caught on camera presenting the debate hosts with a piece of paper that he said showed that rating. “The Better Business Bureau just sent it,” Trump can be heard telling Fox News moderator Bret Baier. “This just came in, we just got it.”

“The BBB did not send a document of any kind to the Republican debate site last Thursday evening,” the nonprofit organization said on Tuesday. “The document presented to debate moderators did not come from BBB that night.”

As to Trump’s basic claim, the watchdog group said, “Trump University does not currently have an A rating with BBB. The BBB Business Review for this company has continually been ‘No Rating’ since September 2015. Prior to that, it fluctuated between D- and A+.”

Following the debate on Thursday, Trump tweeted what he said was the official A rating for the Trump Entrepreneur Initiative, a later name for Trump University.

On Tuesday, the Better Business Bureau said, “The document posted on social media on Thursday night was not a current BBB Business Review of Trump University. It appeared to be part of a Business Review from 2014.”

Furthermore, the nonprofit stated, “Trump University has never been a BBB Accredited Business. The document handed to the debate moderators on Thursday night could not have been an actual ‘Better Business Bureau accreditation notice’ for this business.”

Here’s the current review of the Trump Entrepreneur Initiative.

Better Business Bureau

Not only did the Better Business Bureau refute Trump’s claims about Trump University’s current grade; it also refuted his claim that the enterprise has “a 98 percent approval rating from the people who took the course [because] people like it. many did tremendously well, and made a lot of money.”

Here’s how the bureau tells it: “During the period when Trump University appeared to be active in the marketplace, BBB received multiple customer complaints about this business. These complaints affected the Trump University BBB rating, which was as low as D- in 2010.”

How did it ever have an A rating?

The company closed in 2011, and after that, the Better Business Bureau said, “no new complaints were reported.” Complaints that are more than three years old “automatically rolled off of the Business Review, [and] over time, Trump University’s BBB rating went to an A in July 2014 and then to an A+ in January 2015.”

Trump, however, claimed the opposite was true. He said the Better Business Bureau simply hadn’t had enough information about Trump U, and that’s why it received a D-minus. “Before they had the information,” the program scored poorly, he said, but “once they had the information. it is right now an A.”

More than 5,000 people are suing Trump and Trump University in California, where a class action suit alleges that many students spent more than $30,000 on what they were told would be a real estate investment mentorship, personally designed and overseen by Trump.

Watch the real estate mogul’s promotional video for Trump University:

In fact, the former students allege that Trump played no part in designing the course, choosing the teachers or mentoring students.

A second case brought by New York Attorney General Eric Schneiderman was cleared by an appeals court to move forward last week. This means voters are likely to hear a lot more about Trump University in the coming months.

The candidate tried to play down the seriousness of the allegations on Thursday, yelling, “It’s just a minor case! It’s a minor case!” over the voices of debate moderators.

On Monday, Trump also released a video (see below ) in which he singled out two people who asserted they’d been scammed by his seminar company. He accused them of saying “horrible things” and warned “we’re looking” for a third person.

A spokeswoman for Trump’s campaign and a lawyer for Trump’s business both declined to comment on the Better Business Bureau’s statement.





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Better Business Bureau: Trump Lied About Our Ratings #business #management #courses

#better business bureau

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Better Business Bureau: Trump Lied About Our Ratings

The Council of Better Business Bureaus is calling out Donald Trump for what appears to have been a brazen effort to mislead the Fox News hosts who moderated last week’s Republican presidential debate, as well as the millions of Americans who tuned in to watch last Thursday night.

During the debate, the moderators and Trump’s opponent, Florida Sen. Marco Rubio, brought up the subject of Trump University, a now-defunct business that Trump established to sell supposedly educational courses and seminars on entrepreneurship. Trump University is currently being sued for fraud by numerous former students, who said that they were pressured to take on debt to pay for tens of thousands of dollars in fees and that the company did not deliver the type of educational experience it promised.

Related: Trump Numbers Are Falling – How Far Can They Go?

On stage last week, Trump angrily challenged criticism of Trump University, insisting that the organization had a “98 percent” approval rating among its students.

But it was when Rubio brought up the company’s D- grade from the Better Business Bureau that Trump really started to get creative.

He conceded that at one point the company did have a D- rating from the Better Business Bureau, but he said the rating was poor only because Trump University hadn’t bothered to submit data to the BBB. He insisted that the grade was subsequently “elevated to an A” once the data was supplied.

“The only reason that is was a D was because we didn’t care — we didn’t give them the information. ” Trump said. “When they got the information it became an A.”

Related: Here’s Why Donald Trump’s Lies May Be Good for U.S. Politics

During a commercial break, Trump was given a fax from his staff, which he handed to Fox moderator Bret Baier. He later posted the document on Facebook. It appeared to be a BBB Business Review giving Trump University (actually, Trump Entrepreneur Initiative, after a 2011 name change) an A grade.

At least one news organization reported, at the time, that the document appeared to have been faxed to the Fox News set by the BBB itself.

On Tuesday, the Council of Better Business Bureaus issued a detailed statement setting the record straight.

“BBB did not send a document of any kind to the Republican debate site last Thursday evening,” it read. “The document presented to debate moderators did not come from BBB that night.”

It continued, “Trump University does not currently have an A rating with BBB. The BBB Business Review for this company has continually been “No Rating” since September 2015. Prior to that, it fluctuated between D- and A+. The document posted on social media on Thursday night was not a current BBB Business Review of Trump University. It appeared to be part of a Business Review from 2014.”

Related: Irony Alert: Trump Is Upset that Ted Cruz Is Lying

More damning, though, was the BBB’s account of how Trump University’s rating went from a D- to an A. The BBB said that, despite Trump’s claims to the contrary, the rating was never increased as a result of new information received from the company.

What happened is that as Trump University failed as a business, it stopped attracting new students, and with no new students, there were no more complaints filed to the BBB.

“During the period when Trump University appeared to be active in the marketplace, BBB received multiple customer complaints about this business,” the statement said. “These complaints affected the Trump University BBB rating, which was as low as D- in 2010. As the company appeared to be winding down, after 2013, no new complaints were reported.

“Complaints over three years old automatically rolled off of the Business Review, according to BBB policy. As a result, over time, Trump University’s BBB rating went to an A in July 2014 and then to an A+ in January 2015.”

Related: Trump’s Net Worth Isn’t His Only Claim That’s Fake

In other words, Trump was lying about Trump University’s rating on national television, and even provided misleading documentary evidence in real time to help him make his case.

In a sane campaign season, this sort of thing would be utterly disqualifying, but whether it will have much effect on Trump’s core support is doubtful. The billionaire’s supporters have proven remarkably immune to factual arguments about Trump’s obvious deficiencies as a candidate, and uninterested in proof that he frequently lies to them .





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11 Grants for Women-Owned Businesses You Need to Know About #business #loans #for #bad

#small business grants

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11 Grants for Women-Owned Businesses You Need to Know About

In 2014, there were close to 9.1 million women-owned businesses in the United States, a 68 percent increase since 1997, according to The 2014 State of Women-Owned Businesses Report from American Express. This percentage increase exceeded the national average of small business growth by 1.5 times.

It also illustrated what we already know: Women entrepreneurs are having a tremendous impact on the small business landscape nationwide.

Yet to continue to be competitive and grow, these entrepreneurs have to find funding for their ventures. And, alarmingly, women entrepreneurs are increasingly being turned away by banks for small business loans. Thankfully, they still have other options, given the rise of technology-driven financial lending sources — such as online loans, peer-to-peer loans and crowdfunding.

Then there are government grants. While not widely known or used, these grants are another great option for women seeking extra funding for their business ventures. They just take a little more work.

Understanding grants

Business owners often turn to grants because they are not required to pay them back; essentially, you can look at grants as free money, but they come with stipulations. Also, understanding and navigating the grant process can be complex.

First, you have to research and find a grant for which you re eligible. Then, you have to understand the strict application and compliance guidelines you must meet, to be eligible. Third, you have to compete with other businesses for the same pool of money. Fourth, if you re awarded a grant, you must report on how you used it. Finally, you must devote time and energy to the lengthy application process, then wait for approval. In a nutshell, you need to have all of your ducks in a row, up-front and afterward.

Finding federal and state grants

Many business owners think that federal grants are just a click away. We have all seen the ads promoting free federal money to start businesses. But this is a huge misconception. While there are federal grants available in the areas of medical research, science, education and technology development, no such grants exist specifically for women-owned businesses. You may find grants that fund projects that empower women, but such funding is often set aside for nonprofit corporations, not for-profit businesses.

When researching grants specifically for a woman-owned business, start at the state level. Most states offer grants for women-owned businesses in some capacity. Each state website has a business section where you can find grant and funding opportunities for women and minority-owned businesses. A good example of this is the business section for the state of New York. which lists incentives and programs for businesses. Check out your state s site to find out what is available for your business.

Another great resource to use in your research is the Minority Business Development Agency (MBDA). The MBDA is an agency of the U.S. Department of Commerce that assists minorities and women in establishing and growing their businesses. On its site, you can research grants and access links to state agencies that work with women-owned businesses for funding opportunities. Click here to view all of the state agencies across the country.

Private grants for women

To help in your search, we gathered information on these private grants for women entrepreneurs started:

  1. The Eileen Fisher Women-Owned Business Grant Program. Five grants are awarded annually. The businesses must be 100 percent women-owned and have founding principles of social consciousness, sustainability and innovation, plus be ready to move to the next phase of development. In 2014, the program awarded $125,000 in grants.
  2. Huggies Brand — Mom Inspired Grants. The grant awards up to $15,000 to advance the development of innovative products inspired by the joys of motherhood. The awardees also receive resources to further develop their products and startup businesses.
  3. FedEx Think Bigger — Small Business Grant Program. Applicants are encouraged to share their visions to receive a portion of the $75,000 awarded in grants. Part of the judging involves the general public voting for the finalists, so participants may promote their businesses while garnering votes.
  4. Idea Caf Small Business Grant. The Idea Caf is a free gateway that hosts different grants on its site. Its current grant is the 16 th Small Business Cash Grant. which awards one $1,000 grand prize to a business with the most innovative idea.
  5. InnovateHER: 2015 Innovating for Women Business Challenge. This business challenge is sponsored by the Small Business Administration (SBA) Office of Women s Business Ownership. The challenge awards three winners $30,000 in prize money for businesses that have an impact on the lives of women. However, be aware of the recent fraud news around the SBA .
  6. Chase Google — Mission Main Street Project. Chase and Google have partnered to award $3 million in grants. In 2014, recipients were awarded $150,000 to help take their businesses to the next level. Recipients also received a trip to Google headquarters, a Google Chromebook laptop and a $2,000 coupon toward a market research study with Google Consumer Surveys.
  7. Small Business Innovation Research (SBIR): Eleven different federal agencies participate in this awards-based program, which incentivizes and enables small businesses to explore their technological potential.
  8. Small Business Technology Transfer Program (STTR). The STTR program reserves a specific percentage of federal research and development funding to provide funding opportunities in research and development.
  9. Women Veteran Entrepreneur Corp (WVEC) Small Business Competition. This competition, organized by Capitol One and Count Me In for Women s Economic Independence. allows participants to present two-minute pitches for a chance to participate in a nine-month business accelerator program.
  10. Wal-Mart Women s Economic Empowerment Initiative (WEE). As part of a huge Wal-Mart initiative, sourcing opportunities for U.S. and international companies will increase to $40 billion over five years.
  11. Zions Bank — Smart Women Smart Money. This Utah-based bank s grant annually awards $3,000 across six different categories, including business.

Applying for a grant

Once you find a funding opportunity, there are steps required to apply. A few tips to assist you:

  • Make sure that your business is eligible for the grant: Read the grant synopsis guidelines and eligibility requirements.
  • Create a checklist for all of the documents required.
  • Follow the rules. Grant applications can be very technical. It wouldn t hurt to have a second (or even third) set of eyes when reviewing the application to ensure that you have provided all accompanying documents.
  • Start early. Since the application process can be long in some cases, it doesn t hurt to get a jump on things.

If you find the grant application process too daunting or lengthy for your small business, Kabbage is committed to supporting small business loans for women business owners. Because our application process is fully automated and online, we can quickly provide small business loans of up to $100,000. We use simple, meaningful revenue data from your business to approve your business — not elaborate documentation that takes extensive time to gather. To learn more, visit Kabbage.com.





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Which RN program (full-time) to choose in the East Bay area #bachelor, #college, #degree,

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Which RN program (full-time) to choose in the East Bay area

Quote from turbohound

I’m an East Bay local also looking into RN programs. I’m looking at your list as well as Ohlone and Modesto. Chabot has expanded their program to allow for ten more students at the Las Positas campus. Also, the south bay programs are accessible via the ACE train. I’m volunteering at Valleycare to get a feel for nursing. Any idea what the wages are like?

Hi Lizz and turbohound !

Thanks for your messages.

You mention Ohlone college, which I visited. It’s a beautiful campus, but a little far away for me. I don’t know Modesto. Chabot college I heard is a very good college. I don’t know what the wages are like unfortunately, but you may want to post a new thread asking that question.

I’ve just been admitted to San Francisco State University, so I’ve decided that’s where I’m going to go. I’m excited! I was not sure whether to get a BSN or an ADN, because I’m already 46; but I think SFSU is a very attractive place, although a little far away. CAL-State Hayward is closer to my home, but they’re only going to give their answers in mid-June or July, and students at my colleges (Peralta) mentioned that SFSU is a very neat place and that this is what I should choose.

I was thinking earlier that CAL-State Hayward might be better, because they have a higher passing rate at the NCLEX exam, but someone told me that the reason is that they require their students to have an exam at their university first, before trying the Board State exam. I think CAL-State Hayward is a very good university nevertheless. Contra Costa College seems to be pretty high on the list of success at NCLEX exam too. They did not admit me, because they had some prerequisites I did not meet like two courses in physical education and child development. I was admitted at Merritt college, but heard that their present ADN program is too tough. A student told me that only 17 students are now left in the second year of their ADN program.

Thanks for responding

I got my MBA at Hayward, so I don’t want to do another long program. I’m looking at ADN programs due to my age (38). That’s so cool that you’ve been accepted. I’m so jealous. Maybe I’ll see you at Valleycare in Livermore sometime.

Quote from Vivi

Hi Lizz and turbohound !

Thanks for your messages.

You mention Ohlone college, which I visited. It’s a beautiful campus, but a little far away for me. I don’t know Modesto. Chabot college I heard is a very good college. I don’t know what the wages are like unfortunately, but you may want to post a new thread asking that question.

I’ve just been admitted to San Francisco State University, so I’ve decided that’s where I’m going to go. I’m excited! I was not sure whether to get a BSN or an ADN, because I’m already 46; but I think SFSU is a very attractive place, although a little far away. CAL-State Hayward is closer to my home, but they’re only going to give their answers in mid-June or July, and students at my colleges (Peralta) mentioned that SFSU is a very neat place and that this is what I should choose.

I was thinking earlier that CAL-State Hayward might be better, because they have a higher passing rate at the NCLEX exam, but someone told me that the reason is that they require their students to have an exam at their university first, before trying the Board State exam. I think CAL-State Hayward is a very good university nevertheless. Contra Costa College seems to be pretty high on the list of success at NCLEX exam too. They did not admit me, because they had some prerequisites I did not meet like two courses in physical education and child development. I was admitted at Merritt college, but heard that their present ADN program is too tough. A student told me that only 17 students are now left in the second year of their ADN program.

Thanks for responding

Quote from turbohound

I got my MBA at Hayward, so I don’t want to do another long program. I’m looking at ADN programs due to my age (38). That’s so cool that you’ve been accepted. I’m so jealous. Maybe I’ll see you at Valleycare in Livermore sometime.

An MBA, that’s pretty good! If I had one, I think I would go for the nurse practitioner program directly, which is two years like the ADN program. Because you already have a masters degree, I am afraid that SFSU or CAL-State Hayward (?) would not let you apply for another masters degree in nursing. You could always ask if you thought that was a good idea for you. You could apply to Samuel Merritt though. They are expensive, but I was told they’re a very good school, and Kaiser and West Catholic Hospital (I’m not sure what the name is) would reimburse students for their loans.

If you’re unsure, you could apply for both ADN and Master programs (have you thought of physician’s assistant at Stanford/Foothill college, and Samuel Merritt). It’s also a 2 years program.

I forgot to mention in my previous e-mail that Chabot college (ADN program) selects students through a lottery at the end of April (need to apply in January).

All the best to you in your endeavors!

Apr 17, ’04 by suzanne4

Quote from Vivi

An MBA, that’s pretty good! If I had one, I think I would go for the nurse practitioner program directly, which is two years like the ADN program. Because you already have a masters degree, I am afraid that SFSU or CAL-State Hayward (?) would not let you apply for another masters degree in nursing. You could always ask if you thought that was a good idea for you. You could apply to Samuel Merritt though. They are expensive, but I was told they’re a very good school, and Kaiser and West Catholic Hospital (I’m not sure what the name is) would reimburse students for their loans.

If you’re unsure, you could apply for both ADN and Master programs (have you thought of physician’s assistant at Stanford/Foothill college, and Samuel Merritt). It’s also a 2 years program.

I forgot to mention in my previous e-mail that Chabot college (ADN program) selects students through a lottery at the end of April (need to apply in January).

All the best to you in your endeavors!

An MBA is not a Master’s degree in nursing, so you would be able to get an MSN. They are not related to each other in any way. Hope that this helps.

Quote from chad75

sorry about resurecting this old thread but i’m considering moving to the sf area, i am an lpn wanting to fastrack. are there long waiting list for the various fastrack or just general asn/adn programs in sf?

the next rn adn program that starts the soonest for which you could apply is at the city college in san francisco. www.ccsf.edu/
you have to go there on the first day that you are allowed to apply (sometimes in august) – you could go now and get all the info. their 2 year program starts in january 2005. you most likely won’t be able to get any info by phone or to register for nursing by mail either.

for other adn programs, i heard that college of marin is good www.marin .cc.ca.us/
. as well as chabot college in hayward chabot web.clpccd.cc.ca.us/
chabot does a lottery however to select qualified applicants, and they rejected me, because i was not a in-district resident (i think they made a mistake); but they accepted someone else who leaves in alameda.

and contra costa college in san pablo www.contracosta .cc.ca.us

from all the things i heard, and their results at the nclex exams, i do not recommend merritt college in oakland (not to confuse with samuel merritt in oakland, which is a good program).

these may not be the fastest program in your situation, because you say you’re already an lpn; so i don’t know what programs are available in your situation. i believe that for bachelor degrees in nursing, there are faster programs for lpn, so it may be worth it to apply to bachelor programs.

samuel merritt in oakland www.samuelmerritt .edu may still accept applications for the fall 2004, and may have a special program for lpn, i don’t know. samuel merritt is associated with holy names college in oakland, or st mary’s college in moraga where you’d have to take some general education classes (you don’t have to be catholic.) they’re expensive, but good, and i heard that several employers, incl. kaiser and a hospital with a catholic name (catholic west or something like that) offer to reimburse education loans when they hire.

you may also want to check what kind of programs ucsf in san francisco has for lpns at nurseweb.ucsf .edu they’re also expensive, but apparently very good.

the other bachelor in nursing programs that i know are at san francisco state university, where i have been accepted. www.sfsu.edu
and csu hayward www.csuhayward.edu (there is a pre-entrance nln exam to take).

when you apply, make sure to fill out two applications one for the school, and one for the nursing program.

if anyone studied nursing at hayward university or san francisco state university, i’d be interested to know if they liked it or not, and why.

for more info on nursing programs in california, you can go to:





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What You Need to About Small Business Templates #sell #my #business

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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 #apps

#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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RCM Business – Do You Know These Facts About #buy #a #business

#rcm business

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RCM Business Do You Know These Facts About RCMBusiness.com

RCM Business is one of the top MLM company in India right now. It has become popular over the years because of its excellent marketing strategy and the benefits that a customer gets.

If you are thinking of joining RCM Business then I strongly recommend you to read this article so that you can know some of the facts which you can’t know either from your seniors nor from the official website RCMBusiness.com.

I have worked with RCM for more than 2 years now. And I know everything about the company, hence I could guide you in way that you will never get things wrong way. I am sure, it will give you some of the useful information that can help you to decide if you want to join this company-

Even if you are already joined in RCM business, you will find some of the important things for you

So here are some of the points that you need to ponder upon.

About RCM Business

RCM Business belonged to Chabra Group. The company is growing rapidly and it has more branches in India than ever.

It has over 8 million distributors, around 100 depots, more than 5000 PUCs, 1000 bazaars and shopping points and around 750 good quality products.

The company is booming when it comes to network marketing. RCM Business is committed to high quality products and original services to distributors.

RCMBusiness.com is getting new distributors and it has also outsourced their job to people like you and me.

RCM basically a clothing company has become a giant when it comes MLM or multi level marketing company. Perhaps it is India’s biggest MLM company.

RCM Business

First you got to understand the business of RCM. RCM is basically a kind of MLM program where you spread word about the product and you get membership.

If you get more membership under your leadership then you make more profit. You got to convince people by telling advantage of their products and how they could make money by enrolling more people.

You have to do following things in the RCM business.

Become a Member by products or there is a paid membership

First you got to enrol in the RCM program and become a member. A member could be paid once. Once you become a member you get an authority to sell products to other people.

Becoming a member means you are part of a large network and you will be creating more members under your leadership.

You have to find new customers and sell products given by the company

As soon as you become a member you will get various products like grocery items, food items, toothpaste, soap, medicines, clothes, etc.

You have to sell these products to people and tell them to enroll the RCM program just like you did.

You must be smart enough for selling those products because you need to persuade people that you have something great to offer.

As you enrol new customers you get benefits and more money

Getting a new member under you means you are expanding your network. More members you enrol the more benefit and money you make.

If a new guy registers for RCM program for say Rs 4500/- then you get a cut on that. Hence if you enrol 5 to 10 people daily then you get 10 times more commission.

Thus you have to enrol more people and expand your network as much as you can. A successful MLM marketer is the one who has the biggest network of members under him or her.

Keep on increasing your network day by day

Now you got to expand your sphere of interest. You have to keep enrolling new people daily and that is a challenge.

You will not succeed if you cannot enroll new people in your network. You must be smart enough to learn various tricks about getting new members.

You could learn it from seniors and others who have great experience.

Focus on advertising skills and leadership quality

I will continue with last point saying focus on adverting skills. If you have to enroll new customers then focus on advertising.

You will be putting ads on newspaper, internet and public places like bus stops, college campuses, hospitals, parks etc.

Advertising must be powerful so that you can get member.

You also need great leadership quality.

It is because you would be managing dozens of new members under your leadership.

You got to guide them and tell everything what they need to do. Your success depends upon their success hence you have to ensure that they succeed. Teach them how to operate the website rcmbusiness.com and how they can enrol the new members.

So leadership quality is very important.

RCM Frequent Q and A

Q: Can you and your family buy and use products regularly?

A: Yes all your family can buy and use the RCM products and everyone is doing it.

Q: After you bought products from the company, do you get anything back? Or Manufactures, Dealers or Distributors give a share of profit or some income?

A: No, you will not get any money back or share of their profit. It is because you make your own money and you don’t have to depend upon distributors or dealers.

So you do not get anything back after you purchase RCM products.

Q: Are products cheap or very expensive?

A: Well, the products are generally cheap but some of them could be expensive also. So you have to choose according to your need.

Q: Who is prime beneficiary of all this, Manufacturers, Dealers, Distributors or the Customer?

A: If you want to know the reality then all of them are beneficiaries. But in the end you make most of the money as you get more members under you.

Q: I want to get in-depth knowledge about the program and the company. How do I get that?

A: Well you could visit their website www.rcmbusiness.com and find out more information. Read every page their and understand about the company. Moreover, you could also talk to their customer support and find out more information talking directly to agent there.

Q: Could I make money with RCM MLM program and become rich?

A: Yes there is an opportunity but you got to smart enough and know how to use RCM. You can definitely become rich if you work hard.

RCM Business Direct Seller

For becoming a direct seller for RCM you should have following documents.

  1. Two Passport size colored photograph (Applicant Name Father/Husband Name on Back Side ).
  2. Self attested photocopy of any of the following documents for photo identification.
    1. Passport (Valid)
    2. PAN Card
    3. Voter’s Identity Card
    4. Driving License (Valid)
  3. Self attested Photocopy of any of following documents for address proof:-
    1. Telephone bill not older than 6 months
    2. Bank account statement not older than 6 months(Attested by Bank)
    3. Electricity bill not older than six months
    4. Ration card
    5. Passport (Valid)
    6. Driving License (Valid)
    7. Voter’s Identity Card

Product Lists

Some of the products that RCM has are the following

TOOTHPASTE, TOOTH BRUSH, SOAP, DETERGENT, LIQUID BLUE, PULSES(DAL), SALT, CHILLI POWDER, ALL TYPES OF SPICES, HALDI POWDER, FLOUR (ATTA), TEA COFFEE, BISCUIT, PICKLES, SQUASH, FRUIT JAM, COOKING OIL, PAPAD, TOMATO SAUCE, HEALTH DRINKS, CHAVAN PRASH, DHANIA, HING, HAJMOLA, HAIR OIL, SHAMPOO, FLOOR CLEANER, UTENSIL CLEANER(SOAP/LIQUID), FINAYLE, MOSQUITO COIL, HAND WASH, NAPTHOLIN, PEN, PENCIL, KHATA, SHIRTS, SUIT LENGTH, SAREES, UNDER GARMENTS, COMPUTER ELECTRONICS, INSURANCE, STATIONERY

RCM Fraud

Finally I would conclude by saying you have to be very careful when it comes to MLM frauds. Today most of the MLM programs are fraud like Speak Asia which was the fraud of the decade.

Hence, before making any decision you have to be careful and find out every single detail about the company and their plan.

Always speak to their customer support and find out more information. This way you can surely avoid a big fraud.

This article is contributed by Shashi Suman from Bangalore who likes to write about MLM topics.





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