Tag: and

The Difference Between Sales and Business Development #stock #market #info

#business development


The Difference Between Sales and Business Development

Almost daily, I run into the misconception that the function of sales and business development are interchangeable, from co-workers to industry peers. This stems primarily, I believe, from the shift in titles of salespeople to business development — which has been done in an effort to avoid the negative connotation that surrounds it.

In reality, the two are very different. Hence, this tweet.

If you use the terms Business Development and Sales interchangeably, you’re doing it wrong.

But 140 characters just isn’t enough to explain of the subtleties, so here we are.

When you think about the function of business development, it should be thought of as a marketing function. Yes, there are some soft sales skills (qualification, negotiation, etc.) that are necessary to become a good business development professional, but at the end of the day, it’s a marketing function.

If you were to think about it on a sliding scale between a pure function of sales or marketing, it would wind up somewhere around here.

The reason behind this, is that typical goals of business development include brand placement, market expansion, new user acquisition, and awareness — all of which are shared goals of marketing. The slight slide towards sales is simply because of the tactics business development employs to achieve those goals.

Which is where we get into the meat of it.

Regardless of the company, business development tends to hold the same structure, which I sketched up quickly below.

Simply stated, the function of sales is to sell directly to the end customer. The function of business development is to work through partners to sell to the end customer, in a scalable way.

That last part is key.

Scalability is the differentiator. It allows a company to use pre-existing sales teams or communities that a partner has developed to reach new audiences. Sales is very much an equation of capacity, which is why sales teams tend to grow so large. Business development teams, on the other hand, are typically very small, maintaining their small size by working through existing partner infrastructures. The art of business development comes in identifying partners that fit that description, while finding a way to provide value to the partner’s end customer and business.

You can see this relationship in a few of the examples I laid out in a previous post on the role of business development at a startup.

Now, all of this isn’t meant to de-value the function of sales. Truth be told, I really respect good salespeople. It’s an extremely difficult career, one with constant denial and pressure to succeed. Sales is hard, and should be respected when it’s done at a high level.

But the two are very different, despite their apparent overlap.

P.S. Want to learn more about Business Development at a startup? Check out my course, it’s $10 off with this link .

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Best 25 Stock Market Quotes – Expressive and Noteworthy #starting #a #small #business

#stock market quotes


Best 25 Expressive and Noteworthy Stock Market Quotes

The question, how to invest in stocks , interests many people; but many forget that behind every stock there is a business trading. It is amazing how similar these stock market quotations are to our collection of gambling quotes

Whether looking for expressive and eloquent stock market quotes, or profound and noteworthy advice about stocks and shares, then you should find something of interest in the following 25 hand-picked quotes by famous investors, stock brokers, businessmen, and publishers

Soccerwidow s advice especially when there is money at stake: Emotions are often your worst enemy, not only in your job or day-to-day life, but also in the stock market Enjoy the feast of quotes about the stock market game!

Anybody who plays the stock market not as an insider
is like a man buying cows in the moonlight.

Daniel Drew
(1797-1879, American businessman, and steamship and railroad developer)

Gambling with cards or dice or stock is all one thing.
It s getting money without giving an equivalent for it.

Henry Ward Beecher
(1813-1887, American Congregationalist clergyman, social reformer, and speaker)

October: This is one of the peculiarly
dangerous months to speculate in stocks.
The others are July, January, September,
April, November, May, March, June,
December, August and February.

Samuel Langhorne Clemens,
better known by his pen name Mark Twain
(1835-1910, American author and humorist)

The man who begins to speculate in stocks
with the intention of making a fortune usually goes broke,
whereas the man who trades with a view of
getting good interest on his money sometimes gets rich.

Charles Henry Dow
(1851-1902, American journalist who co-founded Dow Jones)

One of the funny things about the stock market is
that every time one person buys, another sells,
and both think they are astute.

William A. Feather
(1889-1981, American publisher and author)

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Quizballs 5 Free management and business quiz test questions for quizzes, learning and fun #business #process #management

#business quiz


quizballs quiz 5 – tough management questions without answers

free management and business quiz questions – for team games, learning and fun

This is a page from the Quizballs zone of the Businessballs website. Quizballs provides free quiz questions and answers for trivia quizzes, team games, pub quizzes, general knowledge, learning and amusement. Use the quiz and questions and answers to suit your purposes, either as a stand-alone quiz, or to cut and paste to make your own quizzes.

Quizballs accepts no liability for any arguments, lost bets, or otherwise unfortunate consequences arising from any errors contained in these quizzes although quite a lot of effort is made to ensure that questions are clear and answers are correct. Please notify us of any errors, or questions or answers requiring clarification.

These quizzes are free to use in pub quizzes, trivia quizzes, organisational events and team-building, but are not to be sold or published, which includes not posting them on other websites, thank you.

These are the quiz questions. Here are the quiz answers with the questions. A link to the quiz answers also follows the questions below.

see the quizballs.com quizzes website operated by businessballs

quizballs 5 – tough management and business quiz – free quiz questions

Information about all of these subjects is on the businessballs website. A search tool is at the top of the page.

  1. What psychological methodology does NLP stand for?
  2. David McLelland’s motivational theory identified three principal motivational needs which he said each of us possesses to varying degrees, and which characterise our motivational behaviour; what are these three motivational needs?
  3. Which organisation produces the UK’s ABC1C2 (etc) Social Grade Classifications Statistics?
  4. What does the selling acronym AIDA stand for?
  5. Who developed the ‘Equity Theory’ of job motivation in the 1960’s?
  6. What does the financial abbreviation P L stand for?
  7. Who developed the ten stages of corporate life cycle, starting with Courtship and Infancy and ending in Bureaucracy and Death?
  8. The Ansoff matrix correlates what two aspects of business development from the ‘new’ and ‘existing’ perspectives?
  9. In selling and communications, what do ‘open questions’ generally achieve?
  10. Albert Mehrabian researched and published a now widely referenced set of statistics for the effectiveness of spoken communications relating to feelings and attitudes; what three types of communication did he identify and what percentages for each did he attach to each type in terms of the percentage of meaning (or understanding) that each communication type conveyed from person to person in his study?
  11. In business accounts and financial reporting, expenses which change according to scale of performance or usage or demand are known as what?
  12. What is the name of Ingham and Luft’s model and theory which deals with hidden and open areas of knowledge about a person?
  13. The ‘360 degree’ appraisal method collects feedback from whom, about whom?
  14. What are the four levels of learning evaluation defined in Donald Kirkpatrick’s original four-stage model?
  15. What is the correct ascending order of these human needs according to Maslow’s Hierarchy of Needs: Esteem, Safety, Belongingness and Love, Self-Actualisation, Biological and Physiological?
  16. What part of our brains typically handles process-type functions, according to brain theorists such as Katherine Benziger?
  17. What does the accounting acronym FIFO mean?
  18. One of the most effective and efficient forms of marketing is abbreviated to the initials WOM; what is it?
  19. Bloom’s Taxonomy of Learning Domains divides learning development into three main aspects: Cognitive, Affective and Psychomotor; what might these three aspects of personal development more commonly be called?
  20. Who wrote the Seven Habits of Highly Effective People?
  21. The ‘Big Five’ personality dimensions, by which modern day psychologists believe every person’s personality and behaviour tendencies can be measured are commonly abbreviated to the OCEAN acronym; what does OCEAN stand for?
  22. What are the four metaphorical terms used to describe products/services in Boston Matrix model according to market share and market maturity?
  23. The financial ratio which divides a company’s ‘liquid assets’ by ‘current liabilities’ is known by what popular term?
  24. What three important things should be confirmed and understood before conducting a brainstorming ideas session?
  25. What does the SWOT stand for in SWOT analysis?
  26. What are the ‘Four Functional Types’ within Carl Jung’s theory?
  27. With what was the Kyoto Summit concerned?
  28. What are the four sequential stages of the ‘conscious competence’ learning model?
  29. What is the ‘1st Law of Cybernetics’ (also known as the ‘Law of Requisite Variety’)?
  30. What are the four main ‘Temperament’ types called within David Keirsey’s Temperaments personality theory?
  31. According to the Tannenbaum and Schmidt theory relating to leadership, delegation and team development, what must be reduced in order for the team’s area of freedom (and growth) to increase?
  32. What does the financial term ROI stand for?
  33. Whose experiential learning theory comprises the learning styles named: Concrete Experience (feeling); Abstract Conceptualization (thinking); Active Experimentation (doing); and Reflective Observation (watching)?
  34. Daniel Goleman was responsible for popularising and defining what management and behavioural concept in his eponymously titled (ie. the title is also the subject) 1995 book?
  35. What is psychometrics?
  36. What is the management technique that is commonly informally abbreviated to MBWA?
  37. Large size hand-writing generally indicates what characteristics in the personality of the writer?
  38. Since October 2004, UK employers must follow a minimum process of three-stages for handling disputes with employees, including disciplinary and grievance matters; what are the basic minimum three stages required?
  39. Douglas McGregor defined two main styles of management; what did he call them and how are each of the two styles typified?
  40. Bruce Tuckman’s theory about team development uses what four sequential rhyming words to describe the four stages of a group’s progression?
  41. What are Howard Gardner’s seven (original) Multiple Intelligences?
  42. According to Herzberg’s motivational theory, which of these are ‘hygiene needs’ (or ‘maintenance factors’) and which are true ‘motivators’: work conditions, salary, achievement, advancement, work itself, responsibility, company car, status, recognition, and personal growth?
  43. What does VAK stand for in the learning styles theory?
  44. What does the business acronym IPO stand for?
  45. What does the PEST stand for in PEST analysis?
  46. What do ‘open questions’ typically begin with?
  47. What visionary management thinker wrote The Age Of Unreason and The Empty Raincoat?
  48. What are the names of the (nine) Belbin ‘team roles’?
  49. In marketing, what are the The Four P’s?
  50. A lot of the traditional 20th century sales theory and training was influenced by the 1937 book ‘How to Win Friends and Influence People’; who wrote it?

Information about all of these subjects is on the businessballs website. A search tool is at the top of the page.

quizballs 5 – free management and business quiz answers

quizballs main page – more free trivia quizzes questions and answers

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Advantages and disadvantages of franchising your business #business #analyst #jobs

#franchising your business


Franchise your business

Advantages and disadvantages of franchising your business

Franchising is an excellent way of expanding a business that is already successful. However you should be aware that franchising is not suitable for every business. Understanding the advantages and disadvantages of franchising will enable you to decide if franchising is a suitable option for your business expansion.

Advantages of franchising your business

  • Grow your business – franchising your business can be a cost-effective way to grow your business. You will not have to cover the cost of investing in new premises or staff. Additional sales lead to additional profit and if you retain this in the business, in the long-term, you should have a saleable asset for your future.
  • Costs – each franchisee finances their own franchise outlet. While the franchisee meets all the costs and collects the income, you receive franchise fees and royalties or a mark-up on products sold by the franchisee.
  • Easier management – the franchisees also run their businesses therefore reducing the management demands placed on you. The best franchisees will be highly motivated and have local expertise, making your life much easier.
  • Develop your brand – the more franchisees you have the better known your brand becomes. Your brand benefits from the capital investment of the franchisee.
  • Motivated franchisees – franchisees are likely to be more motivated than a manager as they have a vested interest in the success of their business and therefore the success of your brand.
  • Purchasing power – a larger business is more secure and additional turnover and profit can provide access to better deals for office equipment, vehicles and other business purchases.
  • Ideas for future success – franchisees can contribute fresh ideas for the future success of the brand maybe outlining opportunities that you might not have identified otherwise.
  • Support from others – being a business owner can be isolating so having a franchise network can offer support and advice.

Disadvantages of franchising your business

  • Not a fix for a failing business – franchising is not a solution to provide injections of capital from other people when a business is in difficulty. You should only go down the franchise route if you already have a successful business up and running.
  • Costs – franchising your business will involve significant financial investment at the outset in order to get a successful franchise model in place for future growth of the business including investment in preparing legal documents, operations manuals, marketing materials and recruitment.
  • Time – franchising will take a lot of time investment especially when initially setting up the franchise model. You will also have to take the time to ensure you attract the right franchisees and control what they do.
  • Training and support – you will have to develop and deliver a suite of training and support for your franchisees to successfully sell your brand. Businesses need to have systems and procedures in place that can be copied by most people to run a successful business.

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Invoice Software and Online Billing Made Easy #business #ideas #for #women

#business invoices


Fast & Easy Online Invoicing Software

Customize Your Invoices

Create spiffy looking invoices complete with your own logo, payment terms, and client info. See your totals and taxes get calculated on the spot!

Automate Your Workflow

Save time and get paid faster with recurring invoices. You can even auto-bill your client’s credit card so you never miss a payment.

Accept Credit Cards

Start accepting credit cards from day one. Setup is painless, and clients can pay you right from your invoice — even on their mobile device.

Multi-Currency Invoicing

Working internationally? No problem! FreshBooks lets you bill in any currency. Plus, you can also set default currencies for your clients.

FreshBooks mobile allows me to quickly send invoices and check in on my business no matter where I am.

Amber MacArthur. TV Host, BNN s App Central

Improve Your Cash Flow with Online Invoicing

No matter how you collect payment, FreshBooks makes it easy to stay on top of billing so you can get paid faster.

From Estimate to Invoice

Get your projects moving faster with professional-looking estimates. When you re ready to bill, go from estimate to invoice in just two clicks.

Know When Your Invoice is Viewed

See if your invoice was viewed with a tidy invoice history. Clients slow to pay? Send reminders and add late fees so your cash flow doesn’t suffer.

Bill Anytime, Anywhere

With the FreshBooks companion app for iOS and Android, you can send an invoice straight from your client s office and get paid by the time you get home.

Frequently Asked Questions

Does FreshBooks support recurring billing?

Absolutely. If you invoice the same amount on a set schedule, FreshBooks Recurring Profiles are a dream come true automating everything from making invoices to collecting payments and even (gently) reminding any late-paying customers.

Is FreshBooks compatible with a mac?

Great news: FreshBooks is available on any device—desktop, mobile or tablet and plays nicely with both Mac and PC.

Are my invoices safe in the cloud?

The safety of your private data is our top priority, that s why it s protected by 256-bit SSL encryption the gold standard in Internet security. The FreshBooks billing system is synced to the cloud using industry-leading secure servers.

Are FreshBooks Invoices professional looking?

If FreshBooks Invoices were any more professional, they d come with a bowtie. Better yet, they re clean cut, easy to read and even include your own logo.

Can I make and send invoices while away from my office?

Whether on a train, in a plane, or hanging from a weathervane, FreshBooks iOS and Android apps let you painlessly invoice your clients wherever and whenever you need to.

Can I mail my invoices both traditionally and electronically?

All your invoices live in the cloud, meaning they can be sent online. But, if you prefer to kick it old school, FreshBooks offers a ground mail option too.

All your invoices live in the cloud, meaning they can be sent online. But, if you prefer to kick it old school, FreshBooks offers a ground mail option too.

Join 5 million people using FreshBooks to make billing painless

Setup only takes a minute. No credit card required. Cancel anytime.

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Start a new business – Industry start-up guides – Gardening and Lawn Mowing – Small Business Building #international #business

#lawn mowing business


Gardening and Lawn Mowing

What is involved in running a gardening or lawn mowing business?

Starting up and running a garden and lawn care business is a popular option for many people who want to work for themselves. Although it can require a lot of hard work, there are many opportunities available and the costs to start and run the business are relatively low.

The typical tasks you will be doing when working in a lawn mowing or gardening business include;

  • mowing
  • brush cutting
  • fertilising lawns and gardens
  • weed control and removal
  • sweeping and blowing pathways
  • raking, pruning and planting
  • watering lawns and gardens
  • re-potting plants,
  • mulching
  • clearing rubbish
  • hedge trimming.

You will also need to carry out general business administration tasks such as generating invoices, managing inventory and equipment and submitting your tax reporting documentation.

Will I need any special qualifications or skills?

You do not need any specific qualifications to operate a garden and lawn care business. However, you may benefit from completing a general qualification that will help you learn how to run a business, such as the Certificate III in Micro Business Operations. Many of the skills you will need will be developed on the job, so it might also help to work for someone else in this industry prior to starting up your own venture.

Are there any licences or permits that apply to this type of business?

Before starting a gardening or lawn care business, you need to check the relevant business licensing authority in your state and see if you are required to obtain any permits and/or licences prior to setting up your business.

The Australian Business Licence and Information Service (ABLIS) is a free online service that will help you find the right local, state and Australian government licences, permits, registrations and other support services that you need to operate a business.

What type of equipment will I need?

Most lawn mowers and gardeners operate as fully mobile businesses, so you will probably just need a home office and a suitable vehicle to get started. Start up businesses will often utilise their own home equipment and then purchase professional gear when the business gets going.

Depending on the type of services that you plan to provide, some of the required equipment includes;

  • lawnmower and edger
  • hedge trimmer
  • chainsaw
  • blower
  • weed control sprayer and chemicals
  • fertiliser
  • hose and accessories
  • personal protection equipment (gloves, boots, glasses, etc).

Do I need insurance?

When operating a gardening or lawn mowing business, you will be travelling to different locations and working on other people s properties. It is important to ensure you have the right insurance protection in place to cover you for accidents, damages or injuries that occur on the job. You will want to cover your business for any claims made against it, as well as have cover in place for you, your equipment and your vehicle. It is best to talk to a leading business insurance provider about your needs and how to protect your business.

What about employing people in the business?

If you plan on employing staff for your business, you will need to be aware and up to date on issues such as:

  • Awards
  • Pay rates and allowances
  • Annual leave calculations
  • National employment standards
  • Industrial relations news

For more information about employing people, visit Fair Work Ombudsman .

Where can I go for further help and assistance?

Below are some links to help you research and plan the startup and operational requirements of running a lawn mowing and gardening business:

You can talk to your local small business advisor for more in depth help with setting up your garden and lawn care business. You can also contact the Small Business Support Line on 1800 777 275 for more information.

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15 Best Free Services and Software for Business #business #search

#free business software


15 Best Free Services and Software for Business

Just because you manage a business doesn’t mean you have to throw money around. A penny-pinching business manager can access some useful services and applications with no financial outlay.

We took at look at 15 of the best business freebies. They handle everything from customer relationship management and e-commerce Web sites to e-mail accounts, customer mailing lists, and business management training.

Many entail nothing more than Internet access, a Web browser, and a few minutes of your time for user registration. Others require you to download and install some software to access their capabilities.

All are free. Some have paid versions that offer additional features and higher capacities.

1. Customer Relationship Management: Highrise

The Highrise CRM tool. The Highrise CRM tool. Customer relationship management (CRM) helps you keep track of your contacts, with the aim of converting more of them into sales prospects for your business. Highrise could be just what you need to start using CRM effectively to maintain a closer relationship with your customers. The virtue of this Web service lies in its simplicity.

Using Highrise. you can enter customer contact information directly using your Web browser or import existing contact records. Then you can create new tasks, set deadlines, and assign tasks to categories. Establishing a case lets you bring together related contacts and tasks.

When you log in to the service, the Highrise dashboard displays recent activity and upcoming tasks. You can choose to have a daily task summary e-mail sent at 6 a.m. to remind you of what you need to accomplish that day.

Highrise is straightforward and doesn’t offer a lot of extra capabilities, but it’s a handy way for you to keep on top of what your customers want. The free plan is limited to two users and 250 contacts. Greater capacity is available with paid plans.

2. Customer Relationship Management: FreeCRM.com

FreeCRM offers a more sophisticated online CRM service than Highrise. FreeCRM offers a more sophisticated online CRM service than Highrise. CRM is a vital component of an end-to-end business strategy, one that can handle the sales process that begins with the first inquiry from a new prospect and can grow to an established customer relationship with continuing product and service requirements.

FreeCRM.com offers a more sophisticated online CRM service than Highrise, though it requires more time to set up and learn. But it allows easier tracking of potential deals in your sales pipeline. This lets you determine if your sales performance is on track compared to budget.

A large variety of user preferences let you tailor FreeCRM to your business environment. For example, you can select a different currency (pounds instead of dollars) and decide if you want to display completed tasks and deals in your calendar.

There’s no limit on the number of users, though the advertising-supported free version is capped at 10 MB of data storage. A paid Professional version of the service removes the 10 MB limit and makes it simpler to synchronize data offline, with a handheld device such as a Palm or Blackberry, or on your PC using Microsoft Outlook.

3. Web and E-mail Hosting: Microsoft Office Live Basics

Microsoft’s Office Live Basics lets a small business establish an online presence by providing a domain name along with the capacity for managing a good-sized Web site and a couple of dozen e-mail accounts.

If your business doesn’t have a Web site, Microsoft’s Office Live Basics can help you get started. If your business doesn’t have a Web site, Microsoft’s Office Live Basics can help you get started. Office Live Basics will appeal most to small businesses that do not have a Web site and want to establish and manage one. Unfortunately, if you already have a Web site you can’t upload it to the free Basics service.

While a professional Web site designer would chafe at the limited template design options available, the templates make it easier to develop a simple site even if you know absolutely nothing about the HTML code for a Web page. Some handy interactive Web components, such as a forms submitter and a site search engine, are also included.

The free advertising-supported Office Live Basics provides a domain name you select along with Web site storage that can hold up to 500MB of data and e-mail management for up to 25 accounts with 2GB of storage each. Paid editions of Office Live offer greater capacity and additional services such as uploading an existing Web site, document sharing, and contact and time management.

15 Best Free Services and Software for.

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Online Stock Trading and Stock Trading Tools #register #a #business

#stock market websites


Scottrade Client Website for Online Trading

Scottrade received the highest numerical score in the J. D. Power 2016 Self-Directed Investor Satisfaction Study, based on 4,242 responses measuring 13 firms and the experiences and perceptions of investors who use self-directed investment firms, surveyed in January 2016. Your experiences may vary. Visit jdpower.com .

Authorized account login and access indicates customer’s consent to the Brokerage Account Agreement. Such consent is effective at all times when using this site.

Unauthorized access is prohibited.

Scottrade, Inc. and Scottrade Bank are separate but affiliated companies and are wholly owned subsidiaries of Scottrade Financial Services, Inc. Brokerage products and services offered by Scottrade, Inc. – Member FINRA and SIPC. Deposit products and services offered by Scottrade Bank, Member FDIC .

Brokerage products are not insured by the FDIC — are not deposits or other obligations of the bank and are not guaranteed by the bank — are subject to investment risks, including possible loss of the principal invested.

All investing involves risk. The value of your investment may fluctuate over time, and you may gain or lose money.

Online market and limit stock trades are just $7 for stocks priced $1 and above. Additional charges may apply for stocks priced under $1, mutual fund and option transactions. Detailed information on our fees can be found in the Explanation of Fees (PDF).

You must have $500 in equity in an Individual, Joint, Trust, IRA, Roth IRA, or SEP IRA account with Scottrade to be eligible for a Scottrade Bank® account. In this instance, equity is defined as Total Brokerage Account Value minus Recent Brokerage Deposits on Hold.

The performance data quoted represents past performance. Past performance does not guarantee future results. The research, tools and information provided will not include every security available to the public. Although the sources of the research tools provided on this website are believed to be reliable, Scottrade makes no warranty with respect to the contents, accuracy, completeness, timeliness, suitability or reliability of the information. Information on this website is for informational use only and should not be considered investment advice or recommendation to invest.

Scottrade does not charge setup, inactivity or annual maintenance fees. Applicable transaction fees still apply.

Scottrade does not provide tax advice. The material provided is for informational purposes only. Please consult your tax or legal advisor for questions concerning your personal tax or financial situation.

Any specific securities, or types of securities, used as examples are for demonstration purposes only. None of the information provided should be considered a recommendation or solicitation to invest in, or liquidate, a particular security or type of security.

Investors should consider the investment objectives, charges, expense, and unique risk profile of an exchange-traded fund (ETF) before investing. A prospectus contains this and other information about the fund and may be obtained online or by contacting Scottrade. The prospectus should be read carefully before investing.

Leveraged and inverse ETFs may not be suitable for all investors and may increase exposure to volatility through the use of leverage, short sales of securities, derivatives and other complex investment strategies. These funds’ performance will likely be significantly different than their benchmark over periods of more than one day, and their performance over time may in fact trend opposite of their benchmark. Investors should monitor these holdings, consistent with their strategies, as frequently as daily.

Investors should consider the investment objectives, risks, charges and expenses of a mutual fund before investing. A prospectus contains this and other information about the fund and may be obtained online or by contacting Scottrade. The prospectus should be read carefully before investing. No-transaction-fee (NTF) funds are subject to the terms and conditions of the NTF funds program. Scottrade is compensated by the funds participating in the NTF program through recordkeeping, shareholder or SEC 12b-1 fees.

Margin trading involves interest charges and risks, including the potential to lose more than deposited or the need to deposit additional collateral in a falling market. The Margin Disclosure Statement and Agreement (PDF) is available for download, or it is available at one of our branch offices. It contains information on our lending policies, interest charges, and the risks associated with margin accounts.

Options involve risk and are not suitable for all investors. Detailed information on our policies and the risks associated with options can be found in the Scottrade ® Options Application and Agreement. Brokerage Account Agreement. by downloading the Characteristics and Risks of Standardized Options and Supplements (PDF) from The Options Clearing Corporation, or by requesting a copy by contacting Scottrade. Supporting documentation for any claims will be supplied upon request. Consult with your tax advisor for information on how taxes may affect the outcome of these strategies. Keep in mind, profit will be reduced or loss worsened, as applicable, by the deduction of commissions and fees.

Market volatility, volume and system availability may impact account access and trade execution.

Keep in mind that while diversification may help spread risk, it does not assure a profit, or protect against loss, in a down market.

Scottrade®, the Scottrade® logo and all other trademarks, whether registered or unregistered, are the property of Scottrade, Inc. and its affiliates.

Hyperlinks to third-party websites contain information that may be of interest or use to the reader. Third-party websites, research and tools are from sources deemed reliable. Scottrade does not guarantee accuracy or completeness of the information and makes no assurances with respect to results to be obtained from their use.

© 2016 Scottrade, Inc. All rights reserved.

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Free Business Documents, Templates, and Forms for Small Businesses #business #tax #software

#free business forms


Free Business Forms

Welcome to The Frugal Entrepreneur s collection of free business forms, letters, and templates for small and home-based businesses. While there are currently numerous sites online offering thousands of printable business documents and templates that are free to download, I have found that most of these offerings are poor in quality or are unsuitable to the needs of either small and home-based companies or the self-employed.

I therefore decided to put together this collection of essential business documents. I hand picked and adapted all of these forms, templates, and sample business letters to specifically suit the needs of small and home businesses. Most of these documents are from my growing personal collection of files that I have used over the years for my own business transactions. (Where any document is from an outside source, the source and link are provided.)

If there are any small business templates, forms, or letters that are not listed here, but you cannot find a suitable example or free, printable download of it anywhere, then let me know, either by leaving a comment in the box below or by sending an email (you can click the email icon on the upper right-hand side of this page), and I ll see what I can do.

And a final note You may notice that I have conspicuously left out most legal-type business documentation. When it comes to these kinds of forms, which as mentioned above, are freely available on several websites, my advice is: do yourself a favor and hire a qualified attorney or CPA to make sure you don t make a regrettable mistake down the road.
You can preview the documents by hovering over them.

If you have any questions or comments regarding this collection of free business forms, documents, and templates for entrepreneurs, and small and home-based business owners, please let me know.

Disclaimer: I m not a certified legal or financial professional. Frugality does not mean you skimp in those areas where a qualified professional, such as an attorney or CPA should be consulted. The small business tips, small business resources, and other information on this site including this collection of free business documents, templates, and forms are for educational purposes; they are meant to get you started in the right direction; but it s up to you to do the appropriate research.


Thanks so much for this list! I haven t started reviewing the list but from what I assume they are all useful. Thanks for the effort! More power!

Thanks so much for these forms. They re just what I needed to get me started (^

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50 Cake and Cupcake Business Names #home #businesses

#cupcake business


50 Cake and Cupcake Business Names

Cupcake shops are a growing favorite for kids and adults alike! They are fun little places for a family to go together for dessert and are a nice alternative to ice cream shops.

It takes a lot of talent to run a cupcake business. Management skills, people skills, and mad baking skills are all a must!

Have your cupcake and eat it too by opening a cupcake business!

Though delicious treats displayed in the window at your business can help attract window shoppers, it will do no good for those who aren’t physically in the area. For this (and other reasons), it is necessary to have a name that leaves nothing but cupcakes to be desired.

Here’s a list of names to get you thinking:

Cupcake Shop Name Ideas

Tips for Picking a Sweet Name

Although picking through cupcake business names is a difficult task, there is no escaping it and its importance should not be dismissed. Embrace the naming process as once it’s done, it’s done. That said, take your time with it. Hopefully you will be using the business name for a long time, so you’ll want to make sure you choose something you like.

In the brainstorming process, write down as many names as you can think of, so you have as many as possible to choose from. Here are a few brainstorming tips that can help you along:

Use a name (either yours or the baker’s): Including the name of the baker or owner will help everyone know who’s boss! If your name is unusual, it will make your business that much more special.

Use your food: Everyone should know exactly what you’re serving up! In this case, it’s cupcakes. Be proud!

Location: Use your general location or street name in your business name. Even if you end up moving, where you started your business will never change!

Try using rhymes: They are catchy and will help everyone remember your name.

  • Use adjectives: There are many words that can describe a cupcake. Try using words such as sweet, tasty, or anything that portrays just how cute and delicious your cupcakes!
  • Give yourself room to grow: Though you might start out with cupcakes, it’s possible you’ll want to branch into other areas of baking or the restaurant industry.
  • Check online first: Make sure your name hasn’t already been taken by another business, even one located in a different area. This can cause you legal headaches down the road that you don’t want to deal with.
  • Avoid confusing names: If a name is confusing or hard to understand, it will make it that much more difficult for news of your business to spread by word of mouth.
  • Avoid cutesy spelling: Though Kute Kupcakez might sound like a good name, people who are searching for your business will have a hard time finding you. Funny spellings also tend to not age very well, and your business will hopefully be around for a long time!
  • With cupcake businesses growing in number, competition for this type of business is getting tighter. Try to stand out from your competitors in any way you can!

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