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Marriage expert shares keys to successful relationships at home, work #small #business #tools

#business at home


A marriage expert says doing these 3 things will help you have successful relationships at home and at work

Forty hours a week is a lot of time to spend with someone you can’t stand.

That’s why it’s so important to foster positive relationships at work.

Psychologist and couples counselor John Gottman spent 40 years researching exactly what goes into healthy relationships, and he posited in his book, “The Relationship Cure ,” that the same principles that make marriages work also hold true for other kinds of relationships.

“Relationships in the workplace, including friendships, collegial relationships, and relationships with superiors or subordinates, are human relationships,” Dr. Michael McNulty, a m aster trainer from the Gottman Institute and founder of the Chicago Relationship Center. tells Business Insider. “Much of the same advice given to spouses who seek to make their marriages work also applies to people who want good, productive relationships with their coworkers.”

According to Gottman’s research, any relationship that involves people trying to live and work closely together should be built on trust and commitment and involve positivity, friendship, and successful conflict management.

First and foremost, good friendships in a company occur when employees feel like they can trust one another. Workers have to mostly feel like their bosses and coworkers are acting in their best interests or at least trying to. They have to feel like they have one another’s backs. It is only then that they will feel safe and motivated to invest in their relationships in the workplace.

In love or at work, people who do these three things are most likely to have positive relationships:

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Francisco Osorio/flickr

Get to know people

In marriage, research tells us that knowing one’s partner and the important parts of one’s partner’s world is the basis for friendship and positivity. Spouses feel important when others take time to get to know them. The same holds true at work.

He says that managers and employees who feel like people are trying to get to know them and care enough to ask about their lives are more likely to feel positive about others at work.

WOCinTech Chat/flickr

Appreciate others

People are also more likely to feel positive about work-based friendships if they feel appreciated.

McNulty teaches a course that includes a video of a therapist working with a real couple who started a company together.

At one point, the woman says to the man, “I would almost work free if you would just tell me you appreciate what I do more often.” Her revelation speaks to how much people may need to feel appreciated by those close to them.

While most employees will not work for free, they feel a lot more positive about work when they feel appreciated, and they feel most positive about those in the workplace who express authentic appreciation for their talents and contributions.

Expressing appreciation, he says, could be as simple as commending a colleague on how well they spoke in a meeting or how reliable they are because they arrive to work early every day. The key is using positive adjectives and then backing them up with specific examples.

“If you think it, try and say it,” McNulty says. “And if you’re not thinking positive thoughts, that may mean that you’re scanning for the negative too much and you need to get back into thinking about what you appreciate about the people around you.”


Make time for others

“As in marriage, people who know and appreciate one another are better positioned to connect with one another,” McNulty says.

He says that spouses who develop rituals for connecting with each other like date night, nightly walks, or phone calls to check in do better in relationships. Similarly, coworkers who find ways to remain connected keep their work relationships in a more positive place.

“That’s why talks around the water cooler, lunch dates, sports teams, and happy hour become so important,” McNulty says.

“That’s also why teams and managers have to be sensitive about making assignments of who does what with whom on work projects,” he adds. “For some employees, their routines of doing projects with certain colleagues may be their way of checking in and remaining connected.”

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Locating your business at home #loan #for #small #business

#at home businesses


Locating your business at home

It may be possible for you to start off working from home, especially if you are providing a service. With modern telecommunications and computer technology, locating a business at home is increasingly popular.

You can deliver services and products to customers world-wide.

Types of home-based businesses

In South Australia 60,000 businesses operate at, or from, home. The types of home-based businesses include:

  • consulting
  • book-keeping
  • writing and editing
  • design
  • IT
  • health-related services
  • small-scale manufacturing.

Many tradespeople operate their businesses from home. They travel to their job sites daily and keep their equipment at home and in their vehicles.

Financial issues

Owning a home-based business is, for the most part, just like owning any other business.

Regardless of location, every business must have a market for its products and services and generate sufficient sales to cover operating expenses and make a profit.

The level of profit must be sufficient to:

  • reward the business owner’s time
  • repay any loans
  • accumulate capital for expansion
  • reward the capital invested
  • pay any taxes applicable to net income.

Operating a business at home may mean lower overheads and therefore the selling price of your goods and services can be lower.

It is also possible to claim tax deductions for a portion of:

  • mortgage interest costs
  • council rates
  • water rates
  • strata rates
  • telephone expenses
  • energy costs
  • building insurance premiums.

Consult your accountant or tax agent.

Review the viability of your business idea by preparing a business plan.

This ensures you consider all possible costs of your business operation and calculate your overheads accurately.

Legislation for home-based businesses

Planning regulations may impact on your ability to run a business from home.

If customers or clients gather at your house, or the noise level is excessive, you may breach planning regulations. Your local council could order you to cease trading. They can fine you for every day you contuinue to trade against an order.

There are some specific restrictions on businesses operating at a residential property. You must not:

  • employ more than one person over and above the owners of the property and business
  • occupy more than 30 square metres
  • use machinery drawing more than 0.4 kilowatts
  • impose greater load on utilities than would be the
    case for a residence
  • create any noise or nuisance
  • generate more than normal vehicle traffic in a residential street
  • display a sign without consent of the local council
  • display goods for sale outside the house
  • involve the use and parking of a vehicle greater than three tonnes tare weight.

There may be additional zoning controls imposed. Check with your local council.

You must consider specific insurances for your business. Household insurance does not cover business activities, such as customers coming to your home.

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Internet business current events, work at home no fee #profitable #business #ideas

#business current events


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Internet business current events

Internet business current events Analysis

Business Banking from AIB, supporting businesses with a wide range of business bank accounts and services. Discover the. BUSINESS EVENTS CALENDAR.While we use these networks to connect with our future and current customers. that combines online business networking and real-life events. internet business current events Sponsored. 30 Days to Complete Business Process Visibility. White Paper. Internet of things Early adopters share 4 key takeaways windows 10 anniversary.Crain’s New York Business thoroughly covers NYC’s major industries, including Wall. Recent documents in Bridgegate case to remain sealed, judge says.

What would be a good business idea internet business success stories

Latest news and features from Japan business, politics, commentary culture, life & style. A small hotel in the city of Fukuoka is adopting “Internet of Things”. Fashion News, Analysis and Business Intelligence from the leading digital authority on the global. Global Currents. Fashion News from Around the Web. In statistics and business, a long tail of some distributions of numbers is the portion of the distribution having a large number of occurrences far from the “head” or central part of the distribution. The distribution could involve popularities, random numbers of occurrences of events with various probabilities, etc. Anderson described the effects of the long tail on current and future business.

Company Profile Find Your Nearest Store Contact Us Careers Privacy Notice Terms and Conditions PlusOne Terms and Conditions Gift Card Terms and.The Xiaomi MiPad is priced at S9 US0 in Singapore, and a. Post a Job Create Company; Manage Company; Manage Jobs .

Cashier job interview question and answers

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Retail and customer service interview questions you may be asked during a job interview, the best answers, as well as questions to ask the employer. Cashier Interview Questions List of frequently asked interview questions for cashier jobs. Practice the top Cashier Interview Questions and Answers. Next Interview Question. Cashiers are usually trained on the job.

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Sample Job Interview Questions. Kelly Services wants to help you successfully advance your career objectives. “Why are you leaving your current position?” The best candidate for the position. Tags why should we hire you job interview questions and answers tough interviews job work unemployment tips.

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LBS at Harvard Business School – Lauder Business School #business #training

#harvard business school


LBS at Harvard Business School

LBS Faculty Members Participate at the MOC Faculty Meeting Under the Auspices of Harvard University Professor Michael E. Porter

Professor Michael E. Porter, one of the world’s leading business scholars, welcomed LBS as a ‘rookie’ to the Microeconomics of Competitiveness (MOC) affiliate network. The MOC network includes more than 100 major business schools from 65 countries across the globe. Based at Professor Porter’s Institute of Strategy Competitiveness at Harvard Business School, the network promotes scholarship, research and capacity building on some of the key concepts of Michael Porter’s groundbreaking scholarship: strategy, competitiveness of firms and nations, economic prosperity, and the significance of clusters.

LBS master students will see immediate benefit from the school’s participation in the MOC network. Every IML and BFC student will explore the impactful ideas of MOC, in courses taught by experienced MOC scholars and LBS faculty members Professor Pablo Collazzo and Professor Christopher Kummer. These intense courses are designed on the highly engaging case teaching method developed at Harvard Business School.

LBS furthermore envisages to set up an Institute for Competitiveness on the school’s premises to bring together international experts and local decision-makers from the business and public sector.

In December 2014 LBS faculty members as well as Head of International Relations Professor Elisabeth Kübler take part in the annual MOC faculty meeting at Harvard Business School, Boston, Massachusetts. The meeting encompasses inspiring lectures by Professor Porter and global leaders who put the idea of competitiveness into business and policy practice.

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10 Best Work From Home Jobs – Ideas for Working at Home #lucrative #business #ideas

#work from home ideas


The Top 10 Best Jobs You Can Do from Home

If you don’t relish the thought of hustling to a workplace every day or you’re having a hard time securing a local gig, there’s never been a better time to work from home: More than 40 million Americans do it, according to the advocacy group Telework Coalition. And as the economy improves, more companies will be looking for additional staff. For most at-home jobs, you’ll need a computer and an Internet connection, some basic skills and a can-do attitude. Click through this list of 10 employment areas that are booming right now.

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The Job: Survey Taker

What It Pays: $1 to $50 per survey, depending on how much time is required

What It Is: You might take an opinion poll, answer questions about shopping habits or review a product. You’re generally paid in cash (PayPal or mailed check) or with points that can be redeemed for gift cards.

How to Get It: Visit companies such as DarwinsData.com. PineconeResearch.com and PaidViewpoint.com. (Search “surveys” on RealWaystoEarnMoneyOnline.com for more options.) Then sign up with as many sites as you can. The sites will contact you when surveys that fit your demographic pop up, and you take them right away. A word to the wise: Do not register anywhere that has a membership fee, asks for your Social Security number or bank information, or is vague about payment.

The Job: Website Tester

What It Pays: $10 to $15 per test

What It Is: Many companies pay online testers to make sure websites are intuitive and easy to navigate. “You basically follow the instructions you’re given to check out the website,” says Anna Thurman, founder of RealWaysToEarnMoneyOnline.com. a site that has reviewed more than 500 online work opportunities. “It usually only takes about 15 minutes per test.” Thurman recommends registering with 10 to 12 different companies since the opportunities to test these sites are doled out first come, first served. “There are people who make $100 to $200 a month by staying on top of those tests,” Thurman says.

How to Get It: Begin with sites like UserTesting.com. YouEye.com and Userlytics.com. Register with multiple companies for opportunities to test as many websites as possible. Once you’re in the system, you’ll be emailed when testers are needed, and if you’re one of the first to respond, expect to spend 15 to 20 minutes completing the test. Many sites require a microphone and/or webcam, which are built into most laptops—but if you need to buy one, they aren’t expensive. The tester sites typically pay within a week or two via PayPal.

What It Pays: It depends on the company, but you typically take home 20% to 35% of sales in commissions.

Perfect For: Someone with an entrepreneurial spirit, loads of energy and a love of meeting new people.

What It Is: Think Avon or Mary Kay—you organize get-togethers to sell a company’s wares, whether those are bath products, gardening supplies, books or wine. Over time, you build a base of clients.

How to Get It: You can apply directly through the companies, such as Stella & Dot, a jewelry company that had over $100 million in sales in 2010. A few other good ones include Silpada (jewelry), The Pampered Chef (kitchenware) and Dove Chocolate Discoveries. You can also visit the Direct Selling Association website at DirectSelling411.org —all the companies listed there agree to abide by a code of ethics, so they only offer legitimate opportunities. Typically reps make a small investment to get started (this is a legitimate and standard practice), and sometimes pay a fee for the merchandise being sold. After that you can work as much or as little as you want, and see profit based on how much you sell.

What It Pays: Around $15 an hour

Perfect For: Native English speakers with basic computer skills and an interest in other cultures who love chatting online or over the phone. Office experience is very helpful, since most students work in a corporate environment.You also need your own computer and a high-speed Internet connection. If you’re bilingual, that’s a plus.

What It Is: Students in countries including Japan, Korea, France and Germany are looking for English speakers to practice with. Sessions focus on things like making professional small talk or running a meeting (trainers are provided with specifics on how to teach each topic, and are also trained themselves for two days before starting the job). Lessons take place either over the phone or on a live Internet video service like Skype—sometimes at night, because you’re working with students in different time zones. You need to commit to a minimum of 20 hours a week at consistent times, and can work as many as 35 hours.

How to Get It: GoFluent.com is an English training company working with 12 of the world’s largest corporations. There are also jobs out there for English as a Second Language (ESL) teachers, which are more structured. Visit ISUS (iSpeakUSpeak.com ), a placement and training company. While a degree in education or ESL is ideal, you are encouraged to apply if you are enthusiastic and articulate.

The Job: Telephone Nurse

What It Pays: Competitive with a regular nursing salary, which is $50,000 or more

Perfect For: Someone with a nursing degree.

What It Is: Health insurers or other health management companies, including Humana, Aetna and UnitedHealth Group, hire nurses remotely to perform duties like case management, treatment authorization and patient education.

How to Get It: To find the right position for you, check out the listings at major medical-job placement firms like MedicalJobsOnline.com. The Judge Group (Judge.com ), and MedZilla (Medzilla.com ).

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The Job: Search Engine Evaluator

What It Pays: $9 to $10 an hour

Perfect For: English speakers who are up on movies and music, as well as those familiar with other cultures.

What It Is: Companies like Google and Yahoo! give you information to search for, and you tell them how closely their results matched what you were looking for. Does a search for Lady Antebellum turn up sites about the music group or links to pre–Civil War period information? If you are Latina, for example, you might be asked to search the way a Spanish speaker might perform a search in English. Jobs are usually between 10 to 25 hours a week.

How to Get It: Most companies hire through firms like Leapforce At Home (LeapforceAtHome.com ) and Appen Butler Hill (AppenButlerHill.com ).

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AT – T Business In A Box – AT – T Enterprise Business #turnkey #business

#att business


AT T Business in a Box

AT T Business in a Box

Creating an infrastructure for converged voice and data.

Keep your existing analog phones and move to VoIP with a simple, cost-effective solution that delivers business-class voice and data services to any small office. AT T Business in a Box provides one device, managed by AT T, which can connect with existing key systems or PBX. It provides what you need for fast, highly secure business communication:

  • Support for specified AT T BVoIP services
  • Support for AT T Managed Internet Service or AT T VPN Service
  • Built-in firewall
  • Built-in Wi-Fi access point
  • Integrated router
  • VPN termination
  • Built-in LAN switch

Cost effective, managed solution

Get the benefits of advanced voice and data technology, without the costs and complexity of administering it. Because AT T manages Business in a Box, your organization may avoid expenses and responsibilities such as:

  • Purchasing racks of equipment
  • Maintaining local IT staff
  • Dealing with multiple vendors
  • System upgrades and maintenance

AT T Business in a Box is easy to set up and use

Have your small office wired and working quickly. With AT T Business in a Box, you experience:

  • Simple set up
  • Web-based tool that makes it easy to add or change users and features without the need for dedicated staff
  • Streamlined dialing and connection with other company offices
  • Technical support and assistance from AT T

Choose the best communications option(s) for your business

Whether you already own existing equipment such as a key system/PBX, or would prefer AT T to host the solution for you, we work with you to help you choose the perfect option(s):

  • SIP Trunking Managed integrated access for PBX or key system that you own
  • Hosted VoIP Fully hosted and managed by AT T as a cloud-based service
  • Data only Internet access only; this option does not use the device for voice

Obtain business-class voice services and fast Internet bandwidth at a competitive cost, in one simple solution. The flexible and robust capabilities of AT T Business in a Box can assist with many business scenarios, including these common uses:

Business VoIP for your key system

Provide satellite locations with advanced connectivity that integrates with your existing analog investments. With SIP Trunking and AT T Business in a Box, you can retain the phone system and features that you are already familiar with, and gain these benefits:

  • Get the most out of your previous investment without having to purchase additional phone equipment
  • Simplified, converged voice and data over a single connection giving you bandwidth efficiency and potential cost savings
  • Automatically adjusts to give voice highest priority for best quality
  • Dynamically allocated bandwidth automatically adjusts to give voice highest priority for best quality

Hosted VoIP for your new business phone service

Set up a brand new office quickly, or choose to move away from old outdated PBX equipment. With Hosted VoIP and AT T Business in a Box, you can eliminate equipment concerns and enjoy complete end-to-end management, monitoring, and support. AT T provides and manages your voice and data service for you. This option also gives benefits such as:

  • Advanced calling features and versatile support for remote workers
  • Fully hosted cloud based service for maximum flexibility and security
  • Single vendor for your connectivity support

Managed Internet Data Only

Business in a Box:
Great for Small Businesses

A Complete IP Communications Solution for Your Business.

Prepare for your future transition to VoIP with the data-only option. If you are not yet ready to use the device for voice purposes, you can use AT T Business in a Box to provide business connectivity such as:

AT T Business in a Box positions you for a seamless transition to VoIP and advanced technologies, when you are prepared to do so.

Bring AT T Business in a Box to any small office

The simplicity of AT T Business in a Box makes it an ideal solution for a multitude of industries such as healthcare facilities, retail establishments, restaurants, financial offices, legal services and any situation where remote offices need full-featured communication services.

Move into the future with AT T Business in a Box

Provide enterprise-grade technology to your small office. The versatile AT T Business in a Box eases the transition to VoIP and prepares you for future technology. With a converged voice and data solution, you will enjoy:

  • Optimized network utilization through shared bandwidth and flexible allocation of capacity
  • Reliability of inbound and outbound calling
  • A solution to grow with your business

Rely on comprehensive support and expertise

Count on AT T to be there every step of the way. In addition to the included equipment, management and maintenance, AT T Business in a Box includes:

  • Deployment assistance AT T sends a technician to your location to help make sure the installation goes smoothly. We install the included equipment, hook up the router, and test and verify connectivity to make sure you re up and running.
  • Proactive monitoring and customer support 24x7x365
  • Easy-to-use web portal Our web portal allows you to handle routine administration tasks such as:
  • – Bandwidth usage reporting
    – Reports and tools
    – Viewing online billing
    – Online support and ticketing


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Harvard Business Publishing – Business Information Guide – Subject Guides at Syracuse University Libraries #business #directories

#harvard business publishing


Business Information Guide

PDF of step-by-step instructions on how to find HBR articles and case studies in Business Source Elite.

Significant reporting and analysis of management topics appear in the periodical Harvard Business Review . Syracuse University Libraries offers affiliated students, staff, and faculty full-text access to HBR articles and case studies online via the database Business Source Elite (which indexes HBR content back to 1922, with full-text article coverage from 1985 thru present).

Instructions for finding Harvard Business Review Articles Case Studies in Business Source Elite

NOTE: The case studies in HBR are short (around four pages each) and should not be confused with the premium Harvard Business Publishing case studies noted on this page under Harvard Case Studies.

Harvard Business Review 500
At the request of Harvard Business Publishing, EBSCO has made 500 of the most popular Harvard Business Review articles read only by disabling the printing, saving, and persistent linking functionality for these articles in Business Source Elite. All Business Source Elite subscribers (including SU Libraries) were offered the option to restore this basic functionality by paying an additional annual premium fee. When Syracuse University Libraries requested a quote from EBSCO to restore full access to the 500 HBR articles, we were presented with a significant five figure amount. SU Libraries is disinclined to pursue the option to restore full access to the HBR 500 by paying this premium. Not only is the price per article exorbitant, but more importantly, agreeing to such a fee in order to restore access to content for which we have already paid. could set a terrible precedent.

What matters and what we wish to emphasize is that, if HBP s new model catches on, having to essentially pay twice (or multiple times) for the same online content will erode the Libraries ability to provide other resources to the SU research community. In short, it s a zero-sum game when it comes to Libraries acquisitions that support research, and this development further adds to the costs of supporting scholarship. In declining to license with HBP under the proffered terms, the SU Libraries goal is to protect our ability to support research at SU to our utmost. While that may sound contradictory, at least in the short-term, in the long-term it most assuredly is not. To learn more about this, please see the blog post titled SU Libraries Stance on Restricted HBR Articles .

Harvard Business Review in Print

Print editions of the Harvard Business Review from 1922 to the present are available in Syracuse University Libraries’ print collection.

Harvard Case Studies

Harvard Business Publishing case studies cover all areas of management, business planning, marketing, accounting, finance, organizational behavior, entrepreneurship and more. The case studies range from 10 to 30 pages in length and often include an author provided guide, called a teaching note, on how to teach the case in the classroom.

These case studies should not be confused with the short case studies published in the Harvard Business Review and available in full text via SU Libraries’ database Business Source Elite.

Access to the Harvard Business Publishing case studies requires individual purchase of cases, including purchase of copyright permission in situations where multiple copies are desired. Harvard does not offer institutional subscriptions that permit an academic library to subscribe to these case studies.

  • Students and faculty visiting the HBP site can freely search and browse topics to identify case studies of interest
  • Access to the full-text case study PDFs requires individual purchase (often priced between $5 and $10 per case)
  • Options for student access to cases selected by faculty are available under a coursepack style access model (in some instances, students enrolled in such courses can receive purchase discounts on cases their faculty identify)
  • S.U. faculty interested in access (for themselves or their students) should explore detailed information about applying for Harvard Business Publishing’s Case Study “Educator Access”

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Online Applications for Small Business Loans at OnDeck #business #invitations

#online business loans



Online Applications for Small Business Loans

Interested in financing for your business? Get a true loan decision in minutes with OnDeck.

Do you need financing, but don’t want to deal with the hassle of a traditional bank? Our online applications for small business loans may be your answer.

When your equipment is down or your supplies are low, you don’t need a trip to the bank, you need a fast online business loan application without a cumbersome, lengthy process.

Our online financing applications can give you the cash you need — quickly and easily — from $5,000 to $500,000.

When you apply online for a business loan with OnDeck, you can be approved in minutes and get funding in as fast as one business day.

Our online application for small business loans can give you the cash you need — quickly and easily — from $5,000 to $500,000, over 3-36 months. We can help with our easy online applications for small business loans. We ll give you an answer in minutes, with funding as fast as one business day.

Safe and Secure

Some small business owners have questions about the security of online applications for small business loans. It is important to research your lender – reputable lenders such as OnDeck use strong encryption and Transport Layer Security (TLS) protocol to ensure your Sensitive Information is securely sent to OnDeck.

Frequently Asked Questions:

Applying for a Business Loan?

Q. Do I need collateral to get a small business loan?

A. Some lenders do require collateral for a small business loan: that may take the form of requiring specific collateral or requiring a general lien on business assets. From the lender perspective, requiring collateral reduces the amount of risk associated with a small business loan. Collateral gives the lender more options to collect should the borrower fail to make the agreed-upon periodic payments..

Q. Can I get a business loan without being a corporation? Can a sole proprietor get a business loan?

A. You do not need to be incorporated to get a small business loan provided you are a registered business with a business checking account or have a business tax I.D. number. However, there may be potential benefits to incorporation and you should consult with a trusted advisor to determine options that may best suit your business objectives..

Q. Can I get a business loan after a bankruptcy?

A. Qualifying for a small business loan will be more difficult during the 10 years the bankruptcy appears on your credit report, but some lenders will work with your businesses if the bankruptcy has been discharged typically for at least two years..

Q. How do I get a business loan with less-than-perfect credit?

A. Depending upon how bad your credit is, it is still possible to get a business loan provided you have a healthy business and have the cash flow to repay the loan. Lenders look at your credit profile as a way to judge what you’ll do in the future, so if you have a poor credit history, you’ll likely need to explain any extenuating circumstances that contributed to your poor profile. Generally, a credit score below 650 rules out both an SBA guaranteed loan or a loan at the local bank, so you will likely need to find an alternative source of financing and will probably pay a higher interest rate, but if your credit score is at least 500, it’s still possible to get a small business loan..

Q. Do I need a business plan to get a business loan?

A. Some lenders like banks, credit unions, and SBA lenders often require a business plan (see What do I need to apply for an SBA loan), however many online lenders look at other business metrics and don’t require a business plan..

Q. What documents do I typically need for a business loan?

A. Some of the documents you might need will differ from lender to lender, but having these documents at your fingertips will make it much easier to apply for a loan at the local bank or an online small business lender:.

  • Your business financial statements including a profit and loss (P L), an income statement, and an outline of your expenses
  • Your personal financial information including the last three years of personal income tax returns
  • Your business license
  • A copy of your business lease
  • Your bank statement for the last three months
  • See also What do I need to apply for an SBA loan?

    Q. How do I get a startup loan?

    A. Aside from the SBA which has a guarantee program for well-qualified startups there typically aren’t many loan options for a startup. Most traditional lenders, like the local bank, prefer to see a few years in business. Many online lenders will work with a business owner who has at least a year in business. Some non-profit micro-lenders do offer business loans to qualifying startups..

    Q. Do I need collateral to get an equipment lease?

    A. The equipment you are leasing is usually the collateral used in an equipment lease..

    Q. Do I need a personal guarantee to get a business loan?

    A. Most small business owners will be required to give a personal guarantee when applying for a small business loan..

    Q. How do I apply for a small business loan?

    A. If you are applying for a loan at the local bank or credit union, you will typically meet with a loan officer in the branch office and be given the appropriate forms to compete an application. If you apply for an online business loan, you will generally complete a simple online application, like OnDeck s ..

    Q: How do I know if I can trust an online lender?

    A: Check their Better Business Bureau Ranking and look for mentions of them in news organizations like CNBC, Bloomberg, PBS, and more. You can also check 3rd part review sites like TrustPilot.

    Q: How long will the online application process take me?

    A: OnDeck s easy business loan application process can get you a decision in minutes and funding in as fast as 1 business day.

    Q: Do I have to apply online for a business loan, or can I call?

    A: You can apply online or call a loan specialist from 9AM EST 8PM EST at (888) 269-4246

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  • The UTD Top 100 Business School Research Rankings – Naveen Jindal School of Management – The University of Texas at Dallas #biz #loans

    #business school rankings


    Research Rankings Overview

    The UT Dallas Naveen Jindal School of Management has created a database to track publications in 24 leading business journals. The database contains titles and author affiliations of papers published in these journals since 1990. The information in the database is used to provide the top 100 business school rankings since 1990 based on the total contributions of faculty.

    Additionally, the database can also be searched by:

    • Any journal or combination of journals between the time period 1990 to date to get a ranking of schools
    • School name to see a list of publications by a school for any combination of journals and time period between 1990 to date
    • Author name to see a list of publications by an author for any combination of journals and time period between 1990 to date
    • Key phrase in article name to see a list of publications containing that phrase for any combination of journals and time period between 1990 to date

    The Jindal School of Management maintains and keeps this website current to provide timely data on research productivity in leading research journals across major disciplines in business schools. The school has worked hard to ensure data integrity, but as with any project of this type where the affiliation data is not always clear, some errors may exist. If you spot an error, please send us the corrections at Top 100 Admin.

    List of Journals

    The Accounting Review

    Journal of Accounting and Economics

    Strategic Management Journal


    UT Dallas Naveen Jindal School of Management provides a tool to study research contributions based on publications in 24 leading journals in major business disciplines. The database contains author and affiliation information on all papers published in these journals since 1990. Authors affiliations are recorded at the time of the paper publication.

    A single-authored paper results in the school of affiliation being credited with a score of 1. If there are multiple authors from different schools, each school gets a score of p/n, where p is the number of authors from the same school and there are a total of n authors on the article. If an author lists multiple affiliations, each of the schools that author is affiliated with gets a corresponding scaled score. For example, if one of the n authors lists m affiliations, each school that author is affiliated with gets a score of 1/nm.

    The database can be searched by any period between 1990 to the current year for any combination of journals, resulting in aggregated scores for schools. This provides a clear picture of contributions from each school for the selected journals and time period. One can also search the database by school names, author names and key phrases in the title.

    The Jindal School of Management also provides a ranking of the top 100 schools in North America and worldwide based on publications in all 24 journals for the last five-year time period. The school also provides links to prior rankings starting with the period 2000-2004.


    Although every effort has been made to ensure the accuracy of the information, the nature and diversity in which author affiliation information is provided in the journals sometimes make it hard to categorize and report the information accurately. UT Dallas Jindal School of Management has attempted to verify information using the web when possible.

    While searching for articles, author names are provided in the search results. They are not listed in the sequence specified in the published paper. Also note that when information on authors is provided, if the same author is listed twice, it indicates that the author has listed multiple affiliations.

    If you believe there is an error in the information provided, please send specific information to the administrator.

    The Naveen Jindal School of Management appreciates your input to this ongoing research effort.

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    Short-term Business Loans at #small #business #accounting

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    Short-term business loans

    Most businesses will need to borrow money at some stage either to help with cashflow, or to pay for expansion costs, and a short-term business loan can provide the ideal solution. Although recent years have seen a reduction in the number of business loans on offer, there are still plenty of options available to explore.

    The providers below are ranked by the following scenario; taking out a loan of 10,000 over 6 months. Ranked by the least you would need to pay back in total over the period.

    Short-term business loans

    UK s leading peer-to-peer business lender

    Fast and simple business loans from 5k to 1 million – without the banks.

    Borrow from a community of thousands of people together with the Government-backed British Business Bank, local councils and universities.

    Quick convenient process:
    Check your eligibility in one minute
    You’ll hear from Funding Circle within two working days of completing your application
    Loan terms from six months to five years. No early repayment charge.

    Flexible loans: borrow for working capital, expansion, property, asset purchase and one-off business expenses.
    Now open for non-limited companies (sole traders and partnerships) to apply for a loan.

    Business Finance Partnership scheme – Local Government is lending millions through Funding Circle to support UK businesses.

    Minimum criteria: Two years+ filed accounts at Companies House or formally prepared accounts for non-limited businesses, minimum turnover of 50k and a good credit score.

    Fleximize provides fast and flexible business loans to growing businesses. The online application takes minutes and loans can be approved in as little as 24 hours.

    Borrow 1,000 – 200,000 for 1 – 24 months
    If approved, funds are sent within hours of signing your agreement
    Early repayment fees do not apply
    Top-ups and payment holidays available after 3 months of successful repayments

    All applicants will have their own dedicated relationship manager. All business types are welcome including Sole traders.

    Min Criteria: Available to Limited Companies and Limited Liability Partnerships. Must have at least 6 months trading history. Minimum turnover of 1,000 per month. Applicants will need to supply documents to support application.

    iwoca provides flexible credit facilities to businesses across the UK, allowing them to manage their cash flow and invest in new opportunities.

    Borrow up to 100,000 for up to 12 months
    If approved, funds can be in your bank account within hours
    Early repayment fees don’t apply

    Sign up for free in less than 10 minutes. There s no commitment until you take the funds and there are no upfront fees or minimum terms.

    Min Criteria: iwoca works with all types of business including startups. You must be 18+ and a UK resident. Funding subject to approval. Terms and conditions apply.

    ezbob is a fast and flexible unsecured business loan option for businesses looking to grow. The application takes less than 10 minutes to complete with approvals in less than one hour.

    Borrow up to 120,000 for 24 months
    If approved, funds are sent within minutes
    Early repayment fees do not apply

    Applicants need to provide last five quarters of vat reports or, if vat exempt, bank statements for 12 months in CSV format. Company should be trading for at least 12 months with 10,000 or more in turnover.

    EU Funded – Chosen by the European Investment Fund (EIF) to be a certified EU financial intermediary under the EPMF Guarantee scheme

    Partners with the British government and the EU

    Boost Capital provide fast and flexible unsecured finance options to businesses across the UK.

    Boost Capital have over 14 years of funding businesses and can fund most business types.

    Borrow from 3,000 to 500,000
    – Fast and simple application
    – Once approved, funds are sent in as few as two days
    – Early repayment fees do not apply
    – No set-up or admin fees

    The funds can be used for any business use including working capital, expansion, stock, equipment, renovation to name a few. Boost Capital understand that each business is different and therefore look at every business for their individual merits.

    Trading for minimum of nine months. Minimum average monthly gross sales of 5,000 is required.

    Short-term Business Loans

    A short-term business loan can be invaluable for businesses that need a cash boost if they are expanding, or if they need a bit of extra help to manage their cashflow.

    This type of loan usually has a term of six-months, so will need to be repaid quickly. You can usually choose a fixed rate of interest, so you know repayments will be the same every month, or a variable rate, which could mean your repayments change over time.

    Advantages of short-term business loans

    The main advantage of opting for a short-term business loan is that you know your business will only have to make repayments for a limited period of time. You will also usually pay less interest overall than if you opted to repay what you owe over a much longer term, such as five years.

    Disadvantages of a short-term business loans

    Choosing to take out a short-term business loan may mean that you will be able to pay off what you owe quickly, but bear in mind that your repayments will be much higher than if you opted to repay your long over a medium or long-term period. Interest rates can be very high on short-term borrowing, so it s worth comparing lots of different loans to ensure you find the right deal for your business s needs.

    What else you need to know

    Difficult economic conditions in recent years have made it harder for businesses to borrow money. To apply for a business loan, your business may be required to have a minimum monthly turnover, and you may have to show a set number of accounts, usually two or more years.

    Remember too that the actual rate of interest you will be charged on a short-term business loan will depend on your business s individual circumstances, the amount you want to borrow, and over what period you intend to pay off what you owe.

    Alternatives to a short-term business loan

    If you don t think your business will be able to pay off any borrowing over a year or less, then you might want to consider a medium or long-term business loan which can be repaid more slowly.

    Other options include using a business credit card for any immediate expenses. These can also be a useful way to manage staff spending. You could also speak to the provider of your business bank account about arranging a business overdraft which can provide you access to funds as and when you need them. You can usually arrange an overdraft for a 12 month period, at which point it will have to be renewed.

    Businesses can also raise funds though cashflow finance. which allows then to borrow against the value of their unpaid invoices, or they can borrow against their assets such as any equipment or property.

    How our site works

    We want to show you short term business loans from as many lenders as possible, so you have plenty of choice. Not all lenders want to be included on comparison websites, so we can t promise to show you loans from every single one. We ve looked at how much it would cost to borrow 10,000 over 6 months, including fees, and we ve ranked the lenders from the cheapest to the most expensive. You can find out more about how we work here.

    Moneysupermarket is a credit broker this means we ll show you products offered by lenders. We never take a fee from customers for this broking service. Instead we are usually paid a fee by the lenders though the size of that payment doesn t affect how we show products to customers.

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