Tag: E

Cerved, Conoscere per decidere, e business.#E #business


e business

Un approccio interattivo all’analisi

e all’evoluzione del credito

Tutte le informazioni

per prendere una corretta decisione

Abbiamo molte strade

per aiutarti a crescere.

Dal recupero credito

alla “Gestione del credito”

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Affidati a una rete capillare di professionisti pronti a consigliarti al meglio.

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Quattro semplici impegni che ti garantiamo, per rendere unica la tua esperienza Cerved.

Una gamma di servizi ampia e completa con oltre 300 prodotti.

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E business

FMI ha scelto Cerved

Il Fondo Monetario Internazionale ha incluso Cerved tra gli interlocutori per le regolari consultazioni previste dall’articolo IV (Country surveillance) come osservatore privilegiato per il mondo delle PMI.

E business

L’OECD ha scelto Cerved

Nel proprio report sulla finanza e l’economia delle PMI, l’Organisation for Economic Co-operation and Development (OCSE) utilizza abitualmente i dati Cerved sulle procedure concorsuali e sui tempi di pagamento delle imprese.

E business

Banca d’Italia ha scelto Cerved

La Banca d’Italia fa un ampio utilizzo di dati Cerved per analizzare il tessuto economico italiano. I nostri score sono utilizzati come indicatore sintetico del rischio delle imprese e per distinguere le imprese solide dalle altre.

E business

ABI ha scelto Cerved

L’Associazione Bancaria Italiana utilizza i nostri dati e le nostre analisi relative alle procedure concorsuali e ai tempi medi di pagamento.

E business

Trasforma scelte complesse in azioni semplici

Cerved Credit Suite ti aiuta a prendere decisioni sul credito, gestire e analizzare il portafoglio, tenendo sotto controllo rischi e opportunità.

Voucher MISE per le imprese

Ricevi fino a 30 MILA EURO di contributi a fondo perduto

E business

  • 10 Novembre

    Presentazione Rapporto Cerved PMI

    E business

  • Integra i dati Cerved nel tuo CRM Salesforce

    E business

  • Come ti valutano banche e finanziatori

    Scopri come ottenere #piùcredito

    E business

  • E business

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    E business

    Le Persone

    Competenza professionale, correttezza, trasparenza nelle relazioni. Questa è Cerved, questi siamo noi.

    • E businessRenato Ferrario

  • E businessRoberta Fadda

  • E businessAndrea De Benedictis

  • E businessSalvatore Raia

  • E businessDiego Sanvito

  • E businessSusanna Urbani


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  • MPOB: E-Peniaga, e business.#E #business


    e business

    E business

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    E-Peniaga adalah sistem laporan dan pengurusan digital bertujuan mengumpul dan memproses penyata bulanan Peniaga Buah Sawit, Bahan Penanaman Sawit dan Peniaga Minyak/Isirong Sawit mengikut Akta Lembaga Minyak Sawit Malaysia 1998, Peraturan-Peraturan Lembaga Minyak Sawit Malaysia (Pelesenan) 2005.

    Sistem ini menggantikan proses penghantaran penyata bulanan oleh pelesen secara manual kepada digital. Setiap pelesen dikehendaki mendapatkan kata laluan masing-masing dengan menggunakan ‘link’ pendaftaran yang terdapat di sebelah.

    Sila hubungi pegawai berikut atau e-mel [email protected] untuk sebarang pertanyaan.

    • Pn. Nurul Hufaidah Sharif (Peniaga Minyak) – No Telefon 03-78022824 / emel: [email protected]
    • Pn. Fatin Aqila Abdul Razak (Peniaga Minyak) – No Telefon 03-78022943 / emel: [email protected]
    • Pn. Aziana Misnan (Peniaga Buah) – No Telefon 03-78022955 / emel: [email protected]
    • Pn. Nooralfaziana Ahmat (Peniaga Buah) – No Telefon 03-78022991 / emel: [email protected]
    • Pn. Harisah bt. Hamid (Bahan Tanaman) – No Telefon 03-78022916 / emel: [email protected]

    PERINGATAN : Sila ‘click’ pada alamat web ini http://e-peniaga.mpob.gov.my/training untuk ke laman latihan membuat penyata. Sila kembali ke laman utama ini untuk menghantar penyata bulanan.

    Kerajaan Malaysia dan Lembaga Minyak Sawit Malaysia (MPOB) adalah tidak bertanggungjawab bagi apa-apa kehilangan atau kerugian yang disebabkan oleh penggunaan mana-mana maklumat yang diperolehi dari sistem ini. Syarikat-syarikat yang dirujuk di dalam laman web ini tidak boleh ditafsirkan sebagai ejen kepada, ataupun syarikat yang disyorkan oleh Lembaga Minyak Sawit Malaysia (MPOB)


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    Women, Business and the Law – World Bank Group – Promote Gender Equality in

    e business

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      • E businessE businessE businessE business
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    E-Business (e Business) – Definitions and Ways to Create it Better #business #magazines


    #e business

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    e-Business

    There are many definitions of e-business, for example we can defines e-business as any net business activity that transforms internal and external relationships to create value and exploit market opportunities driven by new rules of the connected economy. actually the word e means electronic so it means business via electronic channels as website, social networks and emails. Therefore e-commerce is result of e business.

    e-Business Definition

    First of all, look at the word e-business, it includes from two words 1- e 2- business so we can define it electronic business however, it is more than an absolute state of a company and it targets the market opportunities of conducting business under new electronic channels. which revolve around the Internet.

    e-business communications in markets

    e Business Range

    This is an acknowledgement that e business comes in many forms and can be implemented to a very small or a large degree. It is also an acknowledgement that the Internet is an essential component of an e-business strategy. Laudon and Laudon s (2002) definition of e-business, as the use of the Internet and other digital technology for organizational communication, coordination and the management of the firm, encompasses these different adaptations. In the broadest possible terms, however, e-business is an electronic way of doing business. The fact that the value proposition of e-business includes the creation of new market opportunities through electronic channels, should not be ignored as these electronically channeled market opportunities enable companies to lower transaction costs, reduce delivery times, improve customer services, and add convenience.

    This site is concerned with the implementation of e-business in the construction industry. In this context, e-business is defined broadly as the conduct of construction business by electronic means.

    This fits with broad definitions of the term e-commerce exemplified by the definitions below:

    Thus, the term, e-business, as used in this site should not be considered synonymous with narrow definitions of e-commerce as the process of buying and selling goods and services online.

    Post navigation


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    E business #business #cards #cheap


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    E-business

    USER-ORIENTED IT SOLUTIONS

    E-business is primarily a programme, which links practical business understanding with an understanding of different types of digital platforms for trade, information, and communication – often with a focus on interaction.

    This programme teaches you to develop and work with digital solutions – all very different, however, with the common characteristic that the user is put first. While IT solutions in other contexts often are about doing things faster or cheaper, E-business is also about doing something, which has not been done before – or make existing solutions better. That is how E-business adds value. At CBS, you will discover that we discuss issues in a very practical way, and you will work with other students in groups on finding solutions based on real-life cases.

    You will for instance get to work with issues such as the following:

    AN AREA DEVELOPING RAPIDLY

    E-business may apply to traditional companies who wish to communicate or sell their products on the internet. However, E-business may also be about public authorities and other types of organisations using digital platforms to communicate, create attention, activate and involve the audience. More and more companies and organisations integrate E-business in their strategies, be it permanent solutions or short-term solutions in the context of a campaign. Naturally, E-business includes all types of digital technology and digital platforms, for instance traditional websites, apps, social media, internal business systems, or new, emerging platforms.

    In general, suitable E-business solutions are about bringing players, ideas and markets together in a new way and to create user-oriented communication supporting the strategic goals of the company or organisation.

    Different students – different courses

    The backgrounds of our E-business students are very diverse, and they hold very different bachelor degrees. This diversity is a quality in itself and our students learn a lot from each other. Students with design, IT and business backgrounds who collaborate all have experience from other places, which may benefit others and create more advanced and deliberate solutions than on an individual basis.

    This diversity also means that this programme makes it possible for you to compose your own personal programme of courses of your particular interest and which supplement the knowledge you already possess. If you have a technical bachelor degree, you may wish to choose business courses. On the other hand, if you have a business degree, it would benefit you to take courses that supplement your technical understanding. The courses are divided into three main disciplines:

    Business (B-courses): You will work with business understanding, especially within strategy, innovation, marketing, project management, and entrepreneurship in relation to different business models, and learn about how people innovate, design, plan, integrate, implement, and document in relation to different business relations.

    Technology (T-courses): Where we introduce you to development methodology, programming, IT standards, IT security, IT infrastructure, and IT network systems. So, by means of methodologies and programming, you will be able to participate in the planning and implementation of an IT business solution. The technological courses deal with what is possible today, but will also look at the technological development and the possibilities that follow. Artificial Intelligence (AI) and Big Data are examples of areas undergoing a rapid development and where new possible applications emerge constantly.

    Policy/law (P-courses): Teaching activities in these courses include national and international business conditions, legislation (including EU legislation), digital administration and common practice in relation to use of IT in a business context – for instance when starting up a business. You will develop a basis for assessing and designing business IT in accordance with legislation, and we will be able to adapt business IT to organisational and societal policies in the IT area.

    The students can combine their courses in different ways depending on background and interests, however, the programme primarily focuses on interdisciplinarity; To understand consumers, develop new solutions, and think of solutions, which add a real value, are central themes running across the course blocks. These themes will serve as a basis for students who collaborate on creating solutions that work in practice.

    E-business is a two-year master’s programme divided into four semesters – autumn and spring. The autumn semester runs from the beginning of September to the end of November with exams in December and January, while the spring semester runs from the beginning of February to the end of April with exams in May and June.

    PLEASE NOTE: E-business is the only master programme at CBS which enrols students twice a year. It is thus possible to begin in autumn or spring.

    E-business gives you free hands to shape your own academic profile. At the beginning of your studies, you are taught basic IT. We recommend that you choose introductory courses within every discipline during your first semester. Afterwards, it is up to you to create your own profile.

    As an E-business student, you can take courses at CBS or other universities in Denmark or abroad. If you want to take courses at CBS, you can choose between many different courses, all approved by the study board for E-business among CBS own electives. If you want to take courses at other universities in Denmark or abroad, the study board will assess whether these courses can be included as elements of your programme. Find more information about courses at CBS in the programme regulations for E-business .

    PLEASE NOTE: Students enrolled to the programme in February may experience practical challenges in connection to studying a semester abroad.

    Whether you take your courses at CBS or other universities, you must meet the formal requirements for the composition of the programme:

    A course may include lectures, assignments, practical and theoretical exercises, homework, field trips and the like. A project is a targeted, independent, supervised learning. The project activities ensure progression in the programme and prepare the students for their theses.

    The sum of the introductory courses may not exceed 37.5 ECTS and the sum of the advanced courses must at least be of 15 ECTS.

    Student exchange and internships
    The E-business programme provides you the opportunity to:

    Course overview


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    E-Business (e Business) – Definitions and Ways to Create it Better #business #process #management


    #e business

    #

    e-Business

    There are many definitions of e-business, for example we can defines e-business as any net business activity that transforms internal and external relationships to create value and exploit market opportunities driven by new rules of the connected economy. actually the word e means electronic so it means business via electronic channels as website, social networks and emails. Therefore e-commerce is result of e business.

    e-Business Definition

    First of all, look at the word e-business, it includes from two words 1- e 2- business so we can define it electronic business however, it is more than an absolute state of a company and it targets the market opportunities of conducting business under new electronic channels. which revolve around the Internet.

    e-business communications in markets

    e Business Range

    This is an acknowledgement that e business comes in many forms and can be implemented to a very small or a large degree. It is also an acknowledgement that the Internet is an essential component of an e-business strategy. Laudon and Laudon s (2002) definition of e-business, as the use of the Internet and other digital technology for organizational communication, coordination and the management of the firm, encompasses these different adaptations. In the broadest possible terms, however, e-business is an electronic way of doing business. The fact that the value proposition of e-business includes the creation of new market opportunities through electronic channels, should not be ignored as these electronically channeled market opportunities enable companies to lower transaction costs, reduce delivery times, improve customer services, and add convenience.

    This site is concerned with the implementation of e-business in the construction industry. In this context, e-business is defined broadly as the conduct of construction business by electronic means.

    This fits with broad definitions of the term e-commerce exemplified by the definitions below:

    Thus, the term, e-business, as used in this site should not be considered synonymous with narrow definitions of e-commerce as the process of buying and selling goods and services online.

    Post navigation


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    What is mobile marketing? Definition from #impact #of #e #marketing


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    mobile marketing

    What is mobile marketing?

    Mobile marketing is promotional activity designed for delivery to cell phones. smart phones and other handheld devices, usually as a component of a multi-channel campaign.

    Download this free guide

    Download: Is your organization’s mobile data secure?

    Today’s IT admins face the challenging task of managing the countless amount of mobile devices that connect to enterprise networks every day. Find out how to eliminate the most common mobile data security pain points and pitfalls in this complimentary best practices guide.

    By submitting your personal information, you agree that TechTarget and its partners may contact you regarding relevant content, products and special offers.

    You also agree that your personal information may be transferred and processed in the United States, and that you have read and agree to the Terms of Use and the Privacy Policy .

    Some mobile marketing is similar to advertising delivered over other electronic channels such as text, graphic and voice messages. SMS messaging is currently the most common delivery channel for mobile marketing. Search engine marketing is the second-most common channel, followed by display-based campaigns.

    The expanding capabilities of mobile devices also enable new types of interactive marketing. New mobile marketing channels include:

    The Kelsey Group, a marketing research company, predicted that the mobile advertising industry would grow from to $3.1 billion in 2013, up from $160 million in 2008. The firm also predicts that mobile search marketing will account for 73% of mobile marketing by 2013, up from 24% in 2008, and that SMS-based campaigns would shrink to 9%, down from 63% in 2008. Display-based campaigns are expected to stay relatively steady, up to 18% from 13%.

    Learn More About IT:
    The Mobile Marketing Association provides relevant news, articles and research.
    This free chapter download provides background on the technologies behind mobile marketing.

    This was last updated in October 2009

    Related Terms

    Microsoft Office 365 suite Microsoft Office 365 suite is a hosted, online version of Microsoft Office software. IT administrators access it from a web-based. See complete definition screen door effect The screen door effect is a mesh-like appearance that occurs where visible gaps between pixels are seen on an electronic screen. See complete definition Snapchat World Lenses Snapchat World Lenses are a collection of augmented reality (AR) 3D enhancements to live real-world environments as viewed. See complete definition

    Dig Deeper on Enterprise mobile app strategy


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    Automobile History – Invention of the Automobile #history, #invention, #automotive, #automobile, #auto, #car, #inventor,

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    In terms of the lives of average people, there is little doubt that the automobile is the most revolutionary invention in the history of transportation since the wheel. The basic premise of the automobile is simple; choose a wheeled vehicle from the many types typically pulled by horses or oxen, add a motor and create a self-propelled, personal transportation vehicle.

    The earliest ancestor of the modern automobile is probably the Fardier, a three-wheeled, steam-powered, 2.3-mph vehicle built in 1771 by Nicolas Joseph Cugnot for the French minister of war. This cumbersome machine was never put into production because it was much slower and harder to operate than a horse-drawn vehicle.

    Amedee Bollee, also a Frenchman, built an improved 12-passenger steam car in 1873, but the steam engine proved impractical for a machine that was intended to challenge the speed of a horse-and-buggy. The invention of the practical automobile had to await the invention of a workable internal combustion engine.

    The milestone vehicle was built in Germany in 1889 by Gottlieb Daimler and Wilhelm Maybach. Powered by a 1.5 hp, two-cylinder gasoline engine, it had a four-speed transmission and traveled at 10 mph. Another German, Karl Benz, also built a gasoline-powered car the same year. The gasoline-powered automobile, or motor car, remained largely a curiosity for the rest of the nineteenth century, with only a handful being manufactured in Europe and the United States.

    The first automobile to be produced in quantity was the 1901 Curved Dash Oldsmobile, which was built in the United States by Ransom E. Olds. Modern automobile mass production, and its use of the modern industrial assembly line, is credited to Henry Ford of Detroit, Michigan, who had built his first gasoline-powered car in 1896. Ford began producing his Model T in 1908, and by 1927, when it was discontinued, over 18 million had rolled off the assembly line.

    ON THE BOOKSHELF:
    100 Inventions That Shaped World History
    by Bill Yenne, Morton, Dr. Grosser (Editor) / Paperback – 112 pages (1983) / Bluewood Books
    This book contains inventions from all around the world from microchips to fire. This is a really good book if you are going to do research on inventions.
    Popular Patents
    by Travis Brown / Paperback – 224 pages / Scarecrow Press (September 1, 2000)
    Eighty stories of America’s first inventions. Each includes a sketch of the invention, a profile of the inventor and a glimpse of how the invention has found its way into American culture.

    Wheels of Time: A Biography of Henry Ford (Limited availabilty.)
    by Catherine Gourley / Library Binding – 48 pages / Millbrook Press – 1997
    In association with the Henry Ford Museum to provide an accurate account of her subject’s life while relating an interesting story.
    Setting the Pace: Oldsmobile’s First 100 Years
    by Helen Jones Earley, James R. Walkinshaw / Hardcover / Publications International – 1997
    Excellent information about Oldsmobile’s cars and people.
    America on Wheels: The First 100 Years: 1896-1996
    by Frank Coffey, Joseph Layden / Paperback – 304 pages / General Pub Group – 1998
    Featuring three hundred archival color and black-and-white photographs, the companion volume to the PBS documentary chronicles the development of the American automobile, with contributions by past and present pioneers in the industry.
    Classic American Cars

    by Quentin Willson, Matthew Ward / Hardcover – 192 pages (October 1997) /DK Publishing
    Celebrating 60 of America’s best-loved automobiles, this full-color car show spotlights the most glamourous cars of the golden era from 1945-1975.
    The Art of the Automobile: The 100 Greatest Cars
    by Dennis Adler (Photographer) / Hardcover: 256 pages / Harper Entertainment; (May 2, 2000)
    Award-winning automotive historian, author, and photographer Dennis Adler takes you on a whirlwind tour through more than a century of automotive history, from the first production motorcar, the 1886 Benz Patent Motorwage, to fabled makes including Hispano-Suiza, Duesenberg, packard, and Hudson
    My Father Mr. Mercedes ( Limited availability.)
    by Guy Jellinek-Mercedes / Hardcover / G. T. Foulis Co (1966)
    In next to no time he was the sole agent for Daimler outside Germany; in fact it was he who gave the name of his daughter to all the cars which he bought for re-sale from the Daimler Company thus establishing for all time the world-renowned car which carries the three pointed star. Later he was to add the name to his own and became known as Emil Jellinek-Mercedes

    ON THE SCREEN:
    Car Tech
    DVD / 1 Volume Set / 100 Minutes / History Channel / Less than $30.00
    This two-hour tour through the automotive future is peppered with exotic visions and groundbreaking engineering advances, from hyper-efficient vehicles with revolutionary drive trains to alternate fuel sources and the most radical designs currently coming off the drawing boards from Stuttgart to Detroit.

    ON THE WEB:
    DaimlerChrysler
    The corporate site for the merged Daimler-Benz and Chrysler car companies. The most extensive corporate history site we have found on the web. Lots of COOKIES at this site.
    (URL: www.daimlerchrysler.com)
    Gottlieb Daimler
    The man who is widely credited with pioneering the modern automobile industry apparently did not like to drive and may never have driven at all.
    (URL: www.autonews.com/files/euroauto/inductees/daimler.htm)
    Karl Benz
    On January 29, 1886, Karl Benz registered his patent DRP 37435, for a three-wheeler with a four-stroke 0.9 PS engine. DRP 37435 patent today is recognized as the official birth certificate of the motor car.
    (URL: www.autonews.com/files/euroauto/inductees/benz.htm)
    Automotive Hall of Fame
    The Automotive Hall of Fame recognizes and celebrates accomplished individuals in the world-wide motor vehicle industry; a unique people place of innovation and inspiration.
    (URL: www.automotivehalloffame.org)
    European Automotive Hall of Fame
    Provided to the public by Automotive News newspaper.
    (URL: www.autonews.com/files/euroauto/index.html)
    Mercedes Benz for Kids
    The Mercedes-Benz kids site has an interactive museum where you can see and hear the very first cars! Great place to learn about cars in a fun and informative way. And, Cedy is a great host.
    The Auto Channel
    Their goal is to create what can currently best be described as an interactive television network; with full motion video, high quality audio, multi-point AV user communication, and comprehensive information archives.
    (URL: www.theautochannel.com/)
    Ford Motor Company
    Everything you ever wanted to know about Ford Motor Company. Lots of COOKIES at this site.
    (URL: www.ford.com)
    Oldsmobile
    The official web site of General Motors, Oldsmobile Division. The end of an era.
    (URL: www.oldsmobile.com)

    HOW IT WORKS:
    How Car Stuff Works
    by Marshall Brain at How Stuff Works courtesy of The Auto Channel .

    DID YOU KNOW?:

    • January 29, 1886 For his three-wheel motor carriage Karl Benz receives the patent DRP No. 37435, the birth certificate of the automobile.
    • March 8, 1886 Gottlieb Daimler orders a coach from coach makers Wilhelm Wimpff Sohn in Stuttgart and has it equipped with a fast-running engine. It is the first four-wheeled automobile.
    • September 29, 1888 After acquiring the Daimler patent licenses for the U.S.A. the piano maker William Steinway founded the Daimler Motor Company at Long Island, New York.
    • The Selden automobile was never manufactured even though the first United States patent for an automobile was awarded to George B. Selden on an application filed May 8th, 1879. Selden licensed and collected royalities from all U.S.auto manufactures until a court decision in 1911.
    • Patent # 1,975,837 isssued October 9, 1934 for Ford V-8 Engine


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    Best eCommerce Shopping Cart Software in 2017 #e #commerce #shopping #carts


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    Best eCommerce Shopping Cart Software in 2017

    This page includes my recommendations for the best shopping cart software as well as a few shopping cart related articles. Be sure to also check out our guide on how to migrate an eCommerce site if you re thinking about switching carts. It was last updated on December 22, 2016.

    Hosted Shopping Carts

    Hosting shopping carts are hosted by the company who created them. You pay a monthly fee and in return the company deals with all of the hosting, security, updates, etc so you can get on with the business of running your store.

    The two downsides to these types of eCommerce shopping carts are the monthly cost and the reduced flexibility. But in today s world, hosted carts have become sophisticated enough where both of these are fairly negligible. Apps and custom scripts allow you to do a lot of customization and the monthly price often is lower than what you d pay long-term to a developer to maintain your own shopping cart software on your own server.

    Heading into 2017, the most popular hosted cart by a long shot is Shopify. And I d argue for good reasons! In my opinion they have the best team, product and ecosystem of apps out there.

    Disclosure: I ve worked with Shopify in the past and the link above is an affiliate link, meaning I ll get a commission if you sign up with them. But I also practice what I preach and genuinely believe they re the best. I recently spent $50,000 to migrate my own store to them.

    Here s a list of other hosted eCommerce shopping carts and some brief thoughts on some:

    Self-Hosted Open Source Carts

    A self-hosted shopping cart is software you need to host and maintain on your own servers. It s 100% customizable because you have access to the source code which is a big advantage. But it s also much more more work to maintain and keep secure because no one else is updating, patching or maintaining it.

    Hosted eCommerce shopping carts have become so good (and so affordable) that I d recommend them to just about anyone under $1 million in sales who is seriously trying to build their business. But they definitely have their place for highly technical entrepreneurs, store owners with very customized needs or larger businesses.

    Magento is probably the most well known open-source self-hosted cart and the most commonly used one by private community members. It s also the most complex and difficult to manage. I ve talked with dozens and dozens of store owners who have been migrating away from it in the last 12 months as hosted options like Shopify have become more appealing in comparison.

    WooCommerce is the 2nd most popular self-hosted cart in our Community It is actually a WordPress plug-in that turns the wildly popular CRM into an eCommerce shopping cart. It s definitely much easier to administer than Magento but not quite as feature rich.

    If I was starting a store on a self-hosted platform today it d be OpenCart. It has a reputation as having a nice feature set while remaining lightweight and easy to administer and customize. You would need to have (or be willing to hire) some technical capabilities but I think it s a very appealing option.

    Here s a full list of popular self-hosted carts:

    Nearly all of the shopping cart software mentioned above is written in PHP. If you re a programmer in a different language, here are some non-PHP based options:


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    Student Loan Refinance – Find a Loan #student, #loans, #refinance, #e #student #loans, #education,

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    Student Loan Refinance Program

    Student Loan Refinance Program Features

    Please refer to Details and Rates tabs for additional information and important disclosures.

    Student Loan Refinance Details

    What You Need to Know Before You Borrow:

    Who’s eligible?

    1. If your loan is subject to a floor rate (also known as a minimum interest rate) as specified in your promissory note, your rate will never be less than the floor rate.

    2. Approved schools subject to change.

    Variable Rate Solution

    The Annual Percentage Rate (APR) is variable 1 and is based on the Prime index 2 plus a margin 3. The rate you receive depends on your credit qualifications and the repayment term you select.

    The current offered variable rates are 4 :

    between 5.00% and 9.50% APR

    All loans are subject to approval and restrictions may apply. Digital Federal Credit Union reserves the right to change rates for new applications at any time and without notice. Credit union membership and a minimum share deposit is required. Contact us for membership details.

    Important. Please remember that federal loans do offer certain benefits and protections that do not transfer to a private loan. By refinancing your federal student loans to a private loan you will lose any federal benefits that may apply to you. Please review this important disclosure for more information.

    Rates are effective .

    * Rates shown include a 0.25% discount for optional enrollment in automatic electronic payments.

    1. Variable interest rate solution: the rate is subject to increase after consummation. Your Interest Rate is variable and may be adjusted quarterly based on the Index. Any increase in the Index may increase the APR and may increase the amount of your monthly payment.

    2. As of March 1st, 2017, the Prime index (Index), as published in the Wall Street Journal, used is 3.75%. The interest rate will not exceed 18.00% regardless of the Index.

    3. Margin will be disclosed upon approval. This Margin is added to the Index to determine the calculated interest rate.

    4. Current offered rates are calculated using the Index, Margin, and Floor values in effect. Your specific Interest Rate, Margin, Floor, and/or credit approval will depend upon the student borrower’s and co-borrower’s (if applicable) credit qualification. Applicants may apply with a creditworthy U.S. co-borrower which may result in a better chance of approval and/or lower interest rate.

    5. Fixed interest rate solution: your interest rate is fixed and is based on your credit qualification and the repayment term you select. Your actual rate within the ranges stated will be disclosed upon approval.

    APR = Annual Percentage Rate.

    Examples provided use highest current offered rate in effect for each repayment term and assume a constant interest rate on a $50,000 loan amount. Rates shown include a 0.25% discount for optional enrollment in automatic electronic payments.

    Variable Interest Rate Solution

    Fixed Interest Rate Solution

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    Can I refinance student loans I ve already consolidated


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