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What Is Common Stock and What Is Preferred Stock? Stock Types and Their Differences

#investing in stocks

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What Is Common Stock and What Is Preferred Stock? Stock Types and Their Differences Explained

NEW YORK (TheStreet ) — When you step into the investing jungle, what will you find there? Lions (stocks) and tigers (bonds) and bears (cash), for sure. But they’re not as scary as you think.

These three are the main investment classes, but the one we’ll be tracking exclusively in this guide is the king of the jungle: stocks.

You may have heard stocks referred to as equities or securities. The reason they’re called equities is that you purchase an equity, or ownership, share of a company. Stock is also called a security for the same reason, because you’re securing a share of ownership in the company. That’s right; you’ll be a business owner just like you’ve always dreamed!

But, as you know from everyday life, there are terrifically run businesses and there are businesses that make you say, “I’ll never go back there again!” How do you know the difference before you buy the stock? That’s what this guided tour will be teaching you.

So when you buy stock, you become part owner of the company — maybe only a very small part, but still an owner. The size of the part you own, by the way, is irrelevant to your personal objectives.

We won’t cover bonds in this guide, but it’s important for you to know that they’re out there in the investing jungle. When you buy a bond, you don’t become part owner of a company — you’re the bank! You lend the company, or others, money. When companies, counties, municipalities or the U.S. government need to raise money, but not raise taxes or prices, they have bond offerings.

Bonds are loans, with a maturity date, and a percentage rate, promised to you, the Bank of I.O.U. The maturity date and set percentage rates can make bonds an attractive investment as part of a stabilizing influence in your investment portfolio. But you don’t want just bonds in your portfolio — over the long haul, stocks outperform bonds. If you want to purchase and own bonds, it’s very important to have quality bonds in your portfolio. If you want to continue to learn about bonds, see “Why Buy Bonds?”

When financial advisers suggest you diversify, or vary your investments, they’re advising you to spread out any potential risk, or decline, in your investment portfolio. Your investment portfolio is a collection of all of your investments, which could include assets from each of these three classes.

It’s like a nutritionist telling you to eat a little bit of each type of food to maximize your health. A balance of green vegetables, lean meats, dairy products and whole grain breads keep you physically and mentally healthy. Likewise, you want to invest your money in a variety of assets in your portfolio: stocks, bonds and cash products. Cash investments include products such as certificates of deposit (CDs) and money market mutual funds that keep you financially healthy.

Ready then? Get out your compass.


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Photoshop Business Card Templates and Print Design Tutorial #small #business #ideas


#business cards templates

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Photoshop Print Design Tutorial

Design Business Cards in Adobe Photoshop

This tutorial will guide you through the process of designing prints in Photoshop as well as providing press-ready templates to get you started.

Once finished, upload your files to order high quality business cards!

Table of Contents Step 1. Download a template.
Step 2. Inspect template understand bleed.
Step 3. Verify color mode and resolution.
Step 4. Create your designs.
Useful Tips. Save often and print your designs.
Step 5. Flatten image discard hidden layers.
Step 6. Save as TIF.
Step 7. Place your order.

Download one of these pre-formatted templates and open it in Photoshop:

Right Click Save Link As

Familiarize yourself with the template by learning what the colored lines mean.
These rules apply to all products, reguardless of size or shape.

The PINK lines are called cut/trim lines. The cut lines show where your prints will be cut away from the much larger sheet of paper it was printed on. This ensures color all the way to the very edge of your cards. This method is called full bleed.

The BLUE lines are called the safety lines. Anything outside these lines run the risk of being cut off. Although the cutting machines are very accurate, staying inside of this area ensures that important text/graphics won’t be chopped off. It also helps make your card more readable by provider further separation of text and edge of the finished print. Your background colors/images MUST extend past the PINK cut lines!
Keep all your non-background text, logos, pictures, etc. inside of the BLUE safe area!

Step Three

Verify that your design is in CMYK color mode and at 350dpi resolution.
This is very important as we will not be able to print your design if these settings are not correct.

Image Mode CMYK
Image Image Size Resolution: 350 pixels/inch

Step Four

Now you are ready to begin the design phase. It’s up to you to decide what you want the card to look like. Start experimenting and use the different tools & techniques to get the look you desire.

Create separate files for each side if you wish to have printing on the back.

Looking for something to give you that creative boost?

Browse through thousands of easy-to-follow tutorials to create some really impressive effects in Photoshop. Experimenting with these tutorials is how I learned to use Photoshop without taking a class or buying those thick expensive “How To” books.

Useful Tips

The Inkjet Test: Throughout the design process I suggest printing your creations on your inkjet printer directly from Photoshop. Use glossy photo paper if you have it. This will give you a good idea how your card will look as far as sizing goes. If your text looks small when printed on your inkjet, it will be too small when printed by our presses.

I suggest using the highest resolution print option (photographic quality) that is available on your printer. No adjustments to sizing or placement will be needed. The design should print on the paper at the actual finsihed size.

Remember the full bleed process will trim your cards down to normal size.

Save Often!
You never know when your computer may crash or lock up. Loosing work you’ve spent hours on is very disheartening. While you are working on your file, save as a .PSD to preserve your layers within the design.

Step Five

After saving as a .PSD flatten the layers in your image. If any layers are hidden, discard them.

Layer Flatten Image
Discard Hidden Layers? OK

With all layers flattened, you can now save your image out as a press-ready .TIF file.

File Save As Format: TIFF (*.TIF; *.TIFF)

Step Seven

Upload your newly created files for high quality printing delivered to your door!

Select the print product of which you designed to upload and order:


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Professional Business Attire for Men – Elegant and Smart #small #business #investment #company


#business attire

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Professional Business Attire for Men Elegant and Smart

Professional business attire for men

Professional business attire for men.

There are two kinds of a guy, the one who wants to look professional, whereas, the other category belongs to the ones who don t care much about their personal grooming. They don t like following business standards, rather, go for anything they like or see. But is it really OK? Well, I don t think so. To be a professional business man, there are certain code of conducts which you should follow. Like wearing a professional business man attire and considering each and every aspect of your personality in detail, as it is something which every business men should do in order to achieve the success you always desired of. Because in a modern era like this, not only your intellectual skills count, but the way you dress yourself carries an equal importance. So my today’s article would be on the importance of professional business men attire in ones wardrobe.

Professional business attire for Men More Elegant and Smart:

  • Look charming by your shirt and neck tie combo:

Professional business attire for men.

Usually guys are so immune to business men attire that they hardly know how to make a good neck tie knot. They don t even know how to make a perfect contrast with the shirt he is about to wear. Wearing a professional attire is not the only thing you have to consider but you have to be conscious about its color combination too. Remember, you shirt and tie must be of opposite intensities. Means if you are going to wear a light colored shirt, then you are required to pick a darker tone as far as your necktie is concerned.

Note: Do not go for the same color tones like brown shirt with a brown tie. It doesn t look good, I tell you.

Professional business attire for men.

Plain shirt and tie no doubt looks decent but your motto is not to look just decent. Go for something extra ordinary. So do remember that the check pattern tie are in fashion nowadays and your shirt against your tie must be line patterned. It gives a very sharp and beautiful combination.

Professional business attire for men.

Add another sophistication to your attire that is a well tailored coat with a pocket square. Your business men attire gets complete with your well tailored coat with fine cuts and a pocket square. Pocket square gives you that height of sophistication which adds stars to your personality.

Professional business attire for men.

Dress pants must not be so tight because it would give you very odd look. Ask your tailor to stictch t according to your measurement.

Business casual attire.

You must have a side part hair cut to look like a true professional. Your hairs cut matter because your office is not the place where you can go with long rough and messy hairs.

Professional business attire for men.

Wear a leather strap watch. Make your mind clear while purchasing a watch for your office attire that you watch must be in golden round dial and dark colored leather straps.

Professional business attire for men.

Your office attire needs a dress shoes in plain black or brown color. Black and brown color looks very decent and stylish. Make sure the cleanliness of your shoes before going to the office. Do not go in your suede shoes or desert shoes because it would spoil your image as soon as you enter into your office.

Professional business attire for men.

Carry a big decent brown or black colored bag which has enough capacity to hold all your documents and accessories. Do not go for small bags that look very odd and girlish.


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Dictionary of Business and Management – Oxford Reference #business #loans #with #bad #credit


#business dictionary

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A Dictionary of Business and Management (5 ed.)

Edited by Jonathan Law

‘It will help to demystify terms such as bear hugs, white/grey knights, cash-cows and churning … strongly recommended’TES

This wide-ranging and authoritative dictionary contains 7,000 entries covering all areas of business and management, including marketing, organizational behaviour, business strategy, law, and taxation. Written by a team of experts, it features the very latest terminology, for example, the recent vocabulary associated with structured finance and the associated subprime lending crisis, including collaterized debt obligation and special purpose vehicle.

The new edition of this established bestseller dispels modern financial and management jargon, defining entries in a clear, concise, and accessible manner. It contains US business terms, general management concepts (e.g. competence, knowledge management), named theories (e.g. Tannenbaum and Schmidt, Blake and Mouton) as well as expanded coverage of the contemporary theory of the firm and human resources. New terms are included from the fast-moving areas of current affairs (e.g. MiFID), Internet business and information technology, while the new Companies Act receives full coverage. With recommended web links for many entries, this edition is more informative than ever. This A-Z reference work is essential for business students, teachers and professionals, and useful for anyone needing a guide to business terminology.

Bibliographic Information

Publisher: Oxford University Press Print Publication Date: 2009 Print ISBN-13: 9780199234899 Published online: 2009 Current Online Version: 2009 DOI: 10.1093/acref/9780199234899.001.0001 eISBN: 9780191726545

Author

Contents


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Grants for starting a business: What small business grants are available?: Starting a business

#loans for starting a business

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Grants for starting a business: What small business grants are available?

If you’re a small business owner or thinking of starting a business, finance is probably your biggest concern. You may be wondering if there is any funding available for start-ups.

The simple answer is yes, but getting your hands on it can be a complicated and rather stressful process. There are countless schemes, each with their own set of criteria, which you can apply for when you’re on the verge of starting a business.

Action point: Need a loan to start a business of your own? See how we can help here and here

Start-up funding is out there to be claimed, yet every year we receive stories of piles of cash sitting in accounts and not being invested. It’s not because you don’t need the cash, but it’s because navigating through the grants jungle can leave you wishing you were still employed.

Types of business support

All publicly funded schemes are designed to encourage new and growing businesses, to bring wealth and ultimately create jobs. To help achieve this the government makes available a portion of taxpayers’ money to help and encourage enterprise through small business grants.

This cash gets distributed through a variety of ministries, departments, agencies and quangos on a national and local basis. Most businesses are eligible at any one time to apply for a number of different business start-up grants and support schemes which are distributed in a wide variety of forms.
s
Government grant resource the business finance support finder is a great tool to help those starting a business find relevant funding to suit their needs and you are able to customise your search by your business location, size, and type of business activity.

Want to read more on grants?

Government business grants available

Direct grant

This is a cash award, which is usually given out for activities such as training, employment, export development, recruitment and capital investment projects. With a direct grant most schemes usually require the company involved to put up around 50% of the cost.

The government s ‘business finance support finder’ directory has over 300 direct grants agencies listed such as UK business “innovation” organisation the Technology Strategy Board. The directory also features various local grants providers which are facilitated by the government’s £3.2bn Regional Growth Fund. such as Catalyst for Growth which has direct grants of £5,000 to £500,000 available for chemical start-ups launching in the North West of England.

Soft loan

A soft loan is a special type of grant where the terms and conditions of repayment are more generous (or softer) than they would be under normal financial circumstances. So, for example, the interest rates may be less, or there may be no interest to pay at all, and the repayment terms could also be for a longer period.

There are hundreds of organisations that offer soft loans and guarantees but the most notable is government-funded scheme Start Up Loans which offers new businesses loans of up to £25,000 for 6% interest with a 12 month repayment “holiday”. To date it has helped to fund over 10,000 start-ups with over £50m invested. You can find out more about the Start Up Loans scheme here. (If you need a higher value business loan, fill out our business loans form and we may be able to put you in touch with the right people).

If you’re starting a social enterprise or charity there are organisations such as Big Issue Invest. the investment arm of the Big Issue, which has soft loans from £50,000 to £1m available for positive impact, socially-driven entrepreneurs and also operates ‘participation loans’ where repayment is linked to future performance of the enterprise.

For young entrepreneurs aged between 18-30, The Prince s Trust provides soft loans of up to £4,000, as well as support for your business idea, with interest capped at 3% and repayments spread over a period of two to five years.

Equity finance

With equity finance a capital sum is injected into the business and the provider of the funds takes an equity share of the enterprise. When the value of the firm increases the stake can then be returned. However, unlike venture capitalists, the expectations and requirements of the providers of public funds are usually less demanding.

It is also worth noting the government Enterprise Investment Scheme (EIS) and Seed Enterprise Investment Scheme (SEIS) which help companies raise finance by providing tax relief to investors who buy a share in your business.

Free or subsidised consultancy

Start-ups can often find themselves in the situation where they are lacking a particular set of skills and there are some specially run schemes which provide this knowledge either for free or at subsidised rates. For instance, the Welsh government runs a business support service offering free, independent advice on starting a business and operates an instant hotline for business queries.

Access to resources

As with a lack of skills, it can be the case that start-ups do not possess the physical resources or facilities they need in order to develop particular projects. In the same way there are a number of initiatives, particularly incubator and accelerator schemes, that can help overcome these concerns by providing access to publicly owned facilities. One such initiative is the department for business, innovation and skills’ (DBIS) GrowthAccelerator which provides advice and coaching to fast-growth businesses with fewer than 250 employees.

Technology and Best Practice transfer

The transfer of technological advances and new best practice initiatives can often take a long time filtering down to smaller businesses. The government has set up schemes which aim to overcome this through business support networks and there is now a number of well-established best practice initiatives such as Investors in People (IIP), which specialises in business tools and resources.

Cost sharing

When it comes to research and development, the costs involved can prevent small firms from taking part. However, by sharing the costs with other businesses, and then sharing the expertise, this problem can be avoided.

To find out more about grants for starting a business, visit our dedicated small business grants channel here .

Useful business start up tools

Forum post of the week

Want to run a more profitable business?

More from Startups


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ABS Business Sales – Brisbane’s Leading Business Brokers delivering outstanding service and results in

#business for sales

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We sell businesses

We sell businesses

We sell businesses

ABS Business Sales South East Queensland s Leading Business Brokers

Delivering outstanding service and results in business sales, commercial property sales and commercial property leasing.

Buy Your Business

ABS Business Sales will find a business for sale suitable for you.

We re Brisbane s leading Business brokers. and our highly skilled team of Queensland business brokers will help you navigate the sometimes complicated task of finding your ideal business – a business that matches your budget, talents, skill and lifestyle considerations.

Whatever your budget or needs, ABS Business Sales will find the right business for you.

Selling Your Business

When is the right time to sell?

A question that every business owner asks! You have devoted a lot of time, money, and both physical and emotional energy building up, running, and operating your business.

We promote your business for sale via our private database, our own websites and via industry leading portals.

Find a Business

Search from hundreds of businesses to find one that suits your needs


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Advantages and disadvantages of franchising your business #business #school #rankings


#franchising your business

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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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International: Top News And Analysis #stock #market #report


#world business news

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The 52-year war between the Colombian government and FARC insurgents officially ended on Monday with the start of a ceasefire.

Policymakers at the U.S. Federal Reserve have been accused of using ambiguous and evasive language after several days of commentary.

The current uncertainty over when the U.K. will start the process of quitting the European Union has banks on tenterhooks.

CNBC Meets speaks to legendary country musician Dolly Parton on her life, career and future business plans.

CNBC Meets speaks to Dolly Parton, who takes the time to discuss her humble beginnings, business acumen and success as a music icon.

Dolly Parton talks to CNBC about her business acumen with Dollywood, her film career, and the success of her “Imagination Library”.

The euro/yen chart has multiple features which suggest a downside target near 107.

An opportunity can be found in every market, not just in the markets your look at regularly. This is one of them.

Despite its short-term behavior, the long-term outlook for oil is bullish with medium term targets at $58.


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Promoting and advertising your business – Canada Business Network #simple #business #plan


#advertise your business

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Promoting and advertising your business

Promoting your business is an ongoing activity that involves everything from word of mouth, to trade shows, to paid advertisements in the media. Once you have developed your marketing plan and are ready to choose your promotional techniques, the resources below may be helpful.

General resources

Choose the type of advertising that matches your marketing budget and follow some of BDC ‘s best practices for advertising.

Build your road map for finding and keeping customers with this free marketing plan template.

Learn how to measure the results of your advertising so you know which styles, methods and media to use.

Learn how to create a website so you can attract more customers to your business.

Online marketing techniques like social networking, emailing and blogging are useful and involve little to no direct costs.

This free guide can help you develop a social media strategy for your business to attract, engage, and retain customers.

Increase your visibility among domestic and foreign buyers by registering on this free promotional database of over 50,000 Canadian companies.

Become a certified Aboriginal or minority-owned supplier or register to access these suppliers and benefit from inclusive supply chain practices.

Handing out promotional material is an important marketing activity, even in an online world.

Applies only to: Ontario

Find out how you can set up a business improvement area and the possible benefits for your business.

Learn how to spread the word about your business.

Participating in trade shows can be worthwhile if you choose the right ones, prepare well, and follow up.

Discover the advantages of marketing your business with email.

Find out what signs mean for your business, and how to use them to your advantage.

Find out about business solutions that could help your small business manage shipping, e-commerce, marketing and more.

Industry-specific resources

Applies only to: New Brunswick Newfoundland and Labrador Nova Scotia Prince Edward Island

Learn how to attract customers to your tourism business through Internet and social media marketing.

Register your business as a potential supplier of goods and services for the shipbuilding industry.

Applies only to: New Brunswick Nova Scotia Prince Edward Island Newfoundland and Labrador

Find out how to become a supplier to the shipbuilding industry in the Atlantic provinces. This also includes building and repairing ships.

Applies only to: Newfoundland and Labrador

Promote your high-quality, distinctive Newfoundland and Labrador craft, gift and apparel products through this provincial branding program.

Applies only to: Newfoundland and Labrador

Are you looking to develop wholesale markets for your business’ craft, gift and apparel products? This program could help your venture’s sales growth.

Applies only to: Nova Scotia

Learn how to identify tourism opportunities in your region and how to develop and market your new business.

If your Canadian tourism business provides a unique experience for travellers, you could get a chance to market your product for free to key countries.

Applies only to: Ontario

Find out how to market your product or service under the Ontario brand and how to reach key tourism markets.

Applies only to: Ontario

You may be eligible for funding to help you cover some the costs of commercializing your interactive digital media content.

Applies only to: Ontario

You could get financing to help your business consortium market an Ontario tourist destination to tourists outside Ontario or Canada.

Applies only to: New Brunswick Nova Scotia Prince Edward Island Newfoundland and Labrador

Obtain up to $8,000 in financial assistance for the translation of your promotional materials, if your business is located in Atlantic Canada.

Date modified: 2016-08-30

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South Africa stock market data – prices and news #business #math


#current stock market prices

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