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Top 10 business apps for iPhone #starting #a #new #business

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Top 10 business apps for iPhone

Introduction

When Apple launched the iPhone. many people in the business world including Microsoft’s CEO at the time, Steve Ballmer sneered at it. It didn’t have a keyboard, was expensive, and didn’t even have 3G in its original form. A lot has changed since then, and the numerous updates and tweaks that Apple has made have turned it into the perfect on-the-go smartphone for business.

The App Store is the main driver behind the surge in productivity on Apple’s mobile devices, but it has become very crowded 1.5 million apps, at the last count and finding exactly the right apps can be difficult.

Which is exactly why we’ve compiled this list of the best and brightest apps for doing business on the iPhone.

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Microsoft Office

Microsoft brought the Office suite Word, PowerPoint, Excel, OneNote, and so on to the iPhone (and iPad) several years back, and the apps have been getting better and better ever since.

The suite, which is broken down into separate apps, initially needed an Office 365 account to do many tasks like editing documents but that has since changed and Office is now the best way to create, edit, and distribute documents on an iPhone.

Everything syncs to the cloud and documents created on a Windows PC or Mac can be opened and edited seamlessly. It’s the best of the best for productivity and even beats out Apple’s own iWork suite.

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Google Docs

For those who want a more Google-y experience or, most likely, rely on Google services the company has a good set of apps for the iPhone which do pretty much what you’d expect.

The Google Docs app, which is free and does not require a subscription, can be used to edit, export, and view documents (among other things), making it the perfect way to interact with Google’s productivity software.

The Docs suite is incorporated into one application which can be used to create word, spreadsheet, or presentation documents. Google has worked hard to make it as smooth and seamless as possible and the results are impressive.

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Wolfram Alpha

The Wolfram Alpha app is a mobile version of the website and it can be used to do almost any task. Unlike Google, which can add, subtract and so on, Wolfram Alpha can work out dates, times, food, complex mathematical equations, the weather and so on. The list is endless .

The app costs 2.29 ($2.99 in the US, which is just over AU$4) there is also a subscription option which adds extra utilities and is a valuable asset if you need to quickly work out something obscure, like how many days away a specific date is or the physical properties of white pine wood .

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Adobe Reader

Having a dedicated PDF reader can come in handy and Adobe does it best. The Adobe Reader app, which is free, can be used to make edits and comments on PDFs, and much more.

The software can also be used in conjunction with an Abode account, which adds various high-end features like the ability to export files into different formats. Apple does provide a PDF reader in most apps, such as Mail, but having a third-party app can come in handy if you look at, edit, and receive a lot of them.

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Genius Scan

Speaking of PDFs (see the previous slide), one of the iPhone’s biggest flaws is not being able to create them from an image. Luckily, Genius Scan a free app has you covered.

The app has various different options and offers guidance on the best settings camera position, lighting, and so on for creating crystal clear PDFs, which can then be sent via text, email, or another messaging app, or exported to Dropbox, Evernote, Google Drive, or elsewhere.

Genius Scan can also organise PDFs within the app by tags, titles, and so on, making it ideal for creating and then storing large volumes of documents.

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Gmail

With more than 400 million users, Gmail is a goliath. Apple does offer support for the service in its own Mail app, but many users like having the Google-made app itself installed mainly because it comes with a number of considerable added benefits.

The biggest advantage of using Google’s own app is that it integrates directly with other Google services, like Docs or Calendar. Invitations can be answered right within the app while Google+ posts for those who actually use Google+ become interactive inside Gmail.

The app has the full range of achieving, tagging, labelling and categorisation features you’d expect, and is quite simply much better than Apple’s built-in client.

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Slack

Slack. the enterprise messaging app, has over three million daily active users, and is spreading to more and more workplaces around the world as companies move past email, which is now seen as slow and hierarchical, for a friendlier solution.

Having Slack on the iPhone is a big bonus and can help with staying in touch on the move, which is essentially what the app is designed to do.

Private and team chats are kept intact, notifications sync between devices, and even the read messages go across, which is especially useful if your team works around the globe and you often wake up to hundreds of new missives.

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MailChimp

MailChimp is useful for anyone who wants to distribute an email newsletter to a number of people. The service, which launched in 2001, sends over 10 billion per month on behalf of its users and is free for anyone who doesn’t have a massive mailing list.

The iPhone app, which is a free download, does many of the same things as the desktop client but in a miniature format. Lists can be checked, created, edited and emails sent to recipients. Analytics for emails who opened it, where, and so on can also be viewed, giving valuable insights on-the-go.

For those who manage a mailing list via MailChimp, the iOS app is a good thing to have installed on your device.

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Things

Good to-do list apps are in high demand as the iPhone becomes more and more ingrained into our daily lives. Setting a reminder for long- or short-term goals, tasks, and objectives is an easy way to keep track of everything.

Apple recently beefed up its iOS-based offerings with a new Notes app, which features tick boxes, and a refreshed Reminders app. While these two efforts are good they don’t come anywhere near Things. which has apps across the iPhone, iPad, and Mac.

Things is, essentially, the king of all to-do apps with a list of features that is too lengthy to go into fully, but starts at simple cross-device syncing and ends somewhere around creating tasks that are labelled and repeat every other week. For people with lots to do, Things can’t be beaten.

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Pocket

Saving articles for offline use is handy in so many ways. Commuting, for example, is far more tolerable with a lengthy piece from The Atlantic, London Review of Books, or any other publication that is saved offline and therefore not subject to a spotty internet connection.

Pocket can also store videos and has the ability to sync, tag, and search the full text of any article if you get the monthly subscription option.

While Pocket may not be a business app in the truest sense of the word, it’s a valuable addition to any iPhone and makes the commute or any other travel time, or perhaps your lunch break much more interesting.

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7 Ways For Women to Win and Succeed in Business #starting #own #business

#women in business

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7 Ways For Women to Win and Succeed in Business

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1.You Can’t Do Or Have It. One of the downfall of many business and professional women is the “Superwoman Complex.” Once you hang up the Superwoman cape and the Wonderwoman belt and recognize and accept this fact, your job will get a whole lot easier. Every successful person needs a dedicated support team or at the very least a wing man or woman. You don’t have to do everything yourself! Trust your team to do the work, after all that’s what you hired them to do. If you are an entrepreneur or small business owner, a great way to expand your staff is by engaging college students as interns. They can provide that extra help when you need it. Additionally, don’t rule out family and friends. And do not wait until a project is in jeopardy or you are on the verge of being burned out or a nervous breakdown. Remember that delegating empowers others and allows you to focus on the future as well as the big pictures.

2. Positive, Positive, Positive. A negative attitude will never yield positive results. Having a positive attitude helps you to succeed. Surround yourself with positive people who will encourage, inspire, support and motivate you. They will carry you through the tough days and cheer you on when you feel like giving up.

3. Add Humor To Your Work Research shows that laughter affects health, creativity, relationships and the quality of life. Poke fun at yourself, not at others. When your day gets too high-stress, lighten up! Lightening up the workplace reduces conflicts and stress and builds teamwork and productivity. Not to mention it’s great for morale. Converting your staff and customers from unhappy to happy is good for business.

4. Keep Up With Current Events And News. Staying informed about what is happening in the world and in your local community is critical to your personal and professional development. No matter what business you are in, current events have an impact on your industry and your clients. Do not be caught off guard because you haven’t taken ten minutes to read the morning paper. Daily papers are good sources of industry and corporate news, as well as contacts.

5. Be Generous To Your Community, Your Staff, And Yourself
Reward yourself and your employees for hard work and success. Take time to give back to your community through volunteer work and charitable contributions. Let this quote by Winston Churchill you — “you make a living by what you do, but you make a life by what you give. Keep a brave heart and a beautiful spirit.

6 Become A Life-Long-Learner Learning and growing both personally and professionally is a lifelong process that drives our creativity, intelligence and ambition. Make it a priority to take courses and adopt new techniques that help you and your staff think out of the box. Innovation and reinvention are the order of the day. Set aside time for brainstorming and idea sharing. Most important, don’t be afraid to try new things and introduce yourself to new people. When you forego investments in yourself and your staff, you run the risk of allowing complacency to take root. How many times have you found yourself staring at the messy piles of paper in your office? Make sure to invest in an organizer to help clean your space. You will find this will lead to greater efficiency. Check out Napo.net (National Association of Professional Organizers). They offer a list of certified and reputable organizers like Hub Neat Organizer and Charles River Organizers both of whom are in my hometown. I am using them to help me better organize my office and my home.

7. Stop And Smell The Roses Take a minute for yourself every day. Get some exercise, read a good book, take a hot bath or socialize with friends and family. Your work is important, but it is not everything in life. Appreciate all that life has to offer, and your energy will radiate at work, at home and through everything you do.

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Gmail – for – Work – – корпоративный почтовый ящик, хранилище данных и не только #top #business #schools

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Gmail

Gmail for Work

Gmail отлично работает с такими почтовыми клиентами, как Microsoft Outlook, Apple Mail и Mozilla Thunderbird. Пользователи Outlook могут синхронизировать сообщения, мероприятия и контакты с Google Apps.

Простой переход с Outlook и других сервисов

Благодаря специальным инструментам вы без труда перенесете почту из Outlook, Exchange или Lotus, не потеряв ни одного сообщения. Узнайте, что думают о переходе на Google Apps наши клиенты.

Бесперебойная работа

Сверхнадежные серверы Google обеспечивают доступность сервисов в течение 99,9% времени и без плановых простоев, а резервное копирование, спам-фильтры и передовые функции безопасности надежно защищают ваши данные.

“За 20 минут мы настроили Google Apps, создали имя пользователя и пароль для каждого сотрудника и подключили 30 менеджеров во всех регионах, где расположены наши магазины”.

Джейкоб Джабер, Philz Coffee

Вопросы о Gmail

Каковы преимущества платной версии Gmail?

Платная версия Gmail обладает множеством преимуществ, таких как адрес электронной почты в домене вашей компании, неограниченное количество групповых адресов, гарантия безотказной работы сервисов в течение 99,9% времени, в два раза больше места для хранения, чем в бесплатной версии Gmail, отсутствие рекламы, круглосуточная поддержка, Google Apps Sync for Microsoft Outlook и многие другие.

Может ли у одного пользователя быть несколько адресов?

Да. Для этого используются псевдонимы. У пользователя может быть до 30 псевдонимов электронной почты.

Можно ли перенести в Google Apps почту из имеющегося приложения?

Да. Инструменты переноса позволяют импортировать письма из различных приложений и сервисов, в том числе Lotus Notes и Microsoft.





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FirstBank Free Business Checking – Free Checking For All #business #ethics #articles

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FirstBank Free Business Checking

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If monthly item volume exceeds 150 transactions, the account becomes eligible for earnings credit and the charges for items will be as follows.

  • Debits – Checks/Paper (ledger): $0.20
  • Debits – Automated Clearing House (ACH): $0.15
  • Credits – Paper (ledger): $0.30
  • Credits – Automated Clearing House (ACH): $0.20
  • Deposited Item: $0.10
  • Negative Average Collected Balance Fees will apply. Refer to the FirstBank Business rate sheet for more information.

Download our mobile app for Mobile Deposit, FirstGlance, Apple Pay and more.

Find your dream home.

Getting pre-qualified is the first step.

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Canadian Business – Your Source For Business News – Your source for market news, investing, technology, economy and Canadian industry #find #a #business

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How new rules could change Canada’s social media marketing landscape

How to fire your spouse

Nearly every category of consumer electronics shows declining sales

How to hire your spouse

Canada Goose CEO Dani Reiss on how to build an international brand

How to express frustration productively

Canada is cracking down on paid social media endorsements

Sign up for our daily morning strategy briefing

How to be happier at work

Making connections is what turns good entrepreneurs into great ones

The inside story of what really went wrong at Target Canada

Scientists prove that sucking up to your boss actually works

Inside the surreal, competitive race to clean up Fort McMurray

These three investing legends are warning of another market crash

Smoke’s Poutinerie intends to become a global fast-food giant

Why aren’t women enrolling in Canada’s MBA schools?

Canada’s Best Jobs 2016: The Top 25 Jobs In Canada

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    Top 10 business ideas – opportunities for 2016 #credit #repair #business

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    Not yet a member? Sign up up to Springwise Access today to unlock the following:

    + Exclusive content and thought leadership.

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    Putting innovations in context with actionable advice.

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    Top 10 business ideas opportunities for 2016

    We’ve selected 10 new business ideas that will provide entrepreneurs with plenty of inspiration in 2016. Spotted from countries all around the world, these businesses offer a taste of what’s to come in the year ahead.

    We hope that you’ll find these concepts as inspiring as we do, and that they spark even more innovation in the year to come!

    For all of the articles and papers discussing the numerous benefits of Big Data, it’s important to remember that all this data still needs to be stored somewhere. As more and more data centres are built every year (it’s a booming industry), enormous expense goes into regulating the temperatures within those centres, with large cooling isolations designed to handle the excess heat produced. Dutch startup Nerdalize offers a new solution which makes use of this waste heat, by placing individual servers in people’s homes where the heat can be useful, rather than a problem. Homeowners can lease the two-in-one heater/server from Nerdalize, who cover the electricity costs of the device. The multiple servers then connect to create The Nerdalize Cloud, while helping to warm homes.

    In March, The Prado Museum in Madrid displayed six 3D replicas of famous paintings, which visually impaired visitors could explore through touch. The article we wrote about the exhibit proved to be one of our most popular from the last year, and was just one of many inspiring innovations from museums in 2015. We also saw the MCA Chicago offering free EnChroma glasses to colorblind visitors. enabling them to see artworks in full colour.

    As well as becoming more accessible, we saw museums become more personalized, with the Muzeums app creating individually curated experiences based on the visitor s unique profile. The app was similar in principal to the BBC’s experiments with presenting different versions of the same film based on the viewer’s preferences. It should already be clear that personalization, powered by big data, is set to be the major theme for 2016.

    Read more about the Prado Museum. which can reduce road collisions by 40 percent.

    2016 looks set to be the year that The Internet of Things takes its first meaningful steps into the mainstream. We’ve already seen a number of startups aiming to upgrade existing devices and appliances, retrofitting plugs and switches to turn once dumb objects smart. But as more smart devices enter the household, there will be a growing need for a centralized command center to control them all.

    Last year, the most talked about interface for the new, smart home was Jibo. Probably the closest thing to a real life R2-D2 or BB-8, Jibo is a friendly personal robot designed to interact with your Internet of Things devices. But this year’s most fascinating foray into the arena was Knocki. Knocki is a battery-powered disc that transforms any surface it is mounted on into a smart communication tool — translating up to ten knocking patterns into commands for the user’s smart home. Knocki works by sensing vibrational patterns on the surface using an accelerometer-based system. The startup behind the device has a range of suggested uses, for example, two knocks on the living room wall could skip the current song, or five quick fire knocks on the bedside table could set the coffee brewing.

    Just like the Nerdalize servers, the best innovations look to solve more than one problem at once. Tackling the dual problems of derelict housing lots and a lack of affordable housing in Amsterdam, Heijmans ONE are complete, self-contained two storey living units. They cost around EUR 700 per month to rent and come equipped with all the basic required facilities, including kitchen, bathroom, separate bedroom, living room and outside patio space. The units can be installed in derelict lots in less than a day, breathing life into neglected areas. When building work is set to start in those areas, the units can be removed as easily as they were installed, and transferred to a new site.

    This means that the accommodation can only ever be considered temporary, but another of this year s standout startups, Kasita. makes this nomadic lifestyle their central feature. Kasita is creating simple apartment block ‘scaffold shells’, which are easy to build on small lots of urban space generally classified as not developable. These shells can literally be picked up and moved by a truck whenever — so users can move to other Kasita locations around the world simply by putting in a request on the companion app.

    3D printing has the potential to revolutionise the way items are stocked and sold, but it will also have an impact beyond retail. The affordability of the production process means that we’ve already seen the creation of the world’s first robotic hand retailing for under USD 1,000. and this year we discovered E-Nable — a volunteer run network that matches people in need of prosthetic hands with local designers and makers in possession of a 3D printer. In an effort to make prosthetics more desirable for young amputees, we also saw the UK introduce the first line of superhero-themed bionic hands .

    The best way to harvest renewable energy is to acquire it from existing sources without too much disruption to the current infrastructure. Putting that theory into practice, the LucidPipe is able to harvest low-cost renewable energy from water flowing through a city’s pipes. The LucidPipe can be installed in any system where water flows downward naturally with gravity, and each piece of LucidPiping contains three small turbines which spin in the flowing water. The turbines connect to a generator on top of the pipe, producing hydroelectric power, which can drastically reduce the cost for the water utilities or be filtered back into the city.

    A collaboration between Norwegian oil company Statoil and the Scottish government meant 2015 also saw the introduction of the world’s first floating wind farms. and we saw the creation of smart wind turbines for the home — designed to learn local wind patterns in an effort to save power during periods of low wind activity.

    We could hardly look back on 2015 without some mention of drones. UAViators is an humanitarian UAV network, which signs up experienced amateur drone operators willing to provide disaster relief. Drones can capture aerial images faster, cheaper and at a higher resolution than satellites, which makes them excellent tools for communicating the lay of the land after hurricanes, earthquakes and other disasters.

    We also saw the University of Nebraska-Lincoln developing autonomous drones that drop delayed ignition parcels to induce controlled forest fires. in an effort to contain the spread of wildfires.

    And, of course, we couldn’t write an annual top ten without highlighting our favourite Weird of the Week article from the past year…

    Following on from last year’s methane backpacks for cows. the winner of this year’s Weird of the Year award goes to UK-based Kinneir Dufort and their 3D printed pancakes. To create the uncanny delights, a digital camera first captures a customer’s likeness. Kinneir Dufort’s bespoke software transforms brightness from the image into contours, which are then produced gradually by a batter dispenser. The result of all this effort is a 3D printed pancake designed to look exactly like the customer’s face. And that, is true innovation.

    Join the Discussion





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    SBA Loans for Your Startup #business #hosting

    #start up business loans

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    SBA Loans for Your Startup

    Despite what you might see on late-night infomercials or some websites, none of the SBA s loan programs involve free money, government grants or no-interest loans. In fact, the SBA doesn t even lend funds directly to entrepreneurs–you ll need to strike up a relationship with a loan officer at your local bank, credit union or nonprofit financial intermediary to access the programs.

    But once you do, there s an array of resources aimed at getting you the capital you need to start or expand your small business. Last year, more than $50 million in SBA loans were being provided per day to U.S. small businesses. For this month s column, I thought I d review the latest descriptions and eligibility criteria for the SBA s three most popular loan programs.

    7(a) Loan Program
    The 7(a) is the SBA s most popular loan program. As a small-business owner, you can get up to $750,000 from your local 7(a) lender, backed by a partial guarantee from the SBA. Note that the SBA is not lending you any money directly. What they are doing is making it less risky for a local lender to provide you with financing. 7(a) loans are typically used for working capital, asset purchases and leasehold improvements. All the owners of a business who hold an ownership stake of 20 percent or more are required to personally guarantee the loan.

    Once your lender decides that 7(a) money is what you need, you ll probably start hearing the names of the different 7(a) programs. For example if you re borrowing less than $150,000, you may be headed toward the Lowdoc program, which was created in 1993 to reduce burdensome paperwork. A Lowdoc loan application is a one-page form; your application is on one side and the lender s request to the SBA for the guaranty for your loan is on the other. The SBA responds to Lowdoc applications within 36 hours.

    The SBA Express is a program for lenders with a good SBA-lending track record. It s aimed at getting money–in this case, as much as $250,000–quickly into the hands of entrepreneurs. Based on the success of the SBA Express program, the SBA initiated CommunityExpress, specifically designed to improve access to capital for low- and moderate-income entrepreneurs and to provide both pre- and post-loan technical assistance.

    Eligibility: The eligibility criteria for the 7(a) program are the broadest of all the SBA loan programs, but they re still quite restrictive for startups and businesses related to financial services. See this page on the SBA s website for a list of the types of business that are eligible. In general, all SBA programs are targeted at small companies (that is, businesses with less than $7 million in tangible net worth and less than $2.5 million in net income), but typically most banks won t lend to startup businesses that don t have two to three years worth of financial statements and some owner s equity in the business. Some banks will allow you to use money from relatives as part of your equity, but you re required to formalize these small business loans with a repayment plan that s subordinate to the bank debt.

    504 Loan Program
    The 504 loan program is intended to supply funds for asset purchases, such as land or equipment. Typically, the asset purchase is funded by a loan from a bank or other lender in your area, along with a second loan from a certified development company (CDC) that s funded with an SBA guarantee for up to 40 percent of the value of the asset–which is generally a loan of up to $1 million–and a contribution of 10 percent from the equity of the borrower. This financing structure helps the primary lender–the bank–reduce its exposure by relying on the CDC and the SBA to shoulder much of the risk.

    Eligibility: Like the 7(a) program, the 504 program is restricted to small businesses with less than $7 million in tangible net worth and less than $2.5 million in net income. However, since funds from 504 loans can t be used for working capital or inventory, consolidating or repaying debt, or refinancing, this program tends to exclude most service businesses that need to purchase land or equipment. Personal guarantees are also required for 504 loans.

    7(m) Microloan Program
    The Microloan program is presently under budgetary review, and the political winds aren t currently blowing in its favor. The program is intended to provide small loans of up to $35,000 that can be used for a broad range of purposes to start and grow a business. Unlike the 7(a) program, the funds to be loaned don t come from banks; rather, they come directly from the SBA (now you know why it s unpopular with the folks in charge of the budget) and are administered to business owners via nonprofit community-based intermediaries. To find the name of an intermediary micro-lender in your area, visit this page of the SBA s website.

    Eligibility: The Microloan program is startup friendly. All new businesses are eligible to apply. Although the maximum loan amount is $35,000, the average loan is approximately $10,000. The only catch is that Microloan borrowers typically have to enroll in technical assistance classes administered by the micro-lender intermediaries. For some entrepreneurs, this is a very helpful resource that provides cost-effective business training. Others, however, perceive it as a waste of time, although it s a necessary pre-condition to getting a Microloan.

    Although I promised reviews of just the three top SBA loan programs, I didn t want to fail to mention two other special purpose loan programs targeted at serving particular types of businesses. The Export Working Capital Program provides short-term working capital to small, export businesses, and the DELTA program provides both financial and technical assistance to help businesses dependent on defense installations transition to civilian markets. You can log on to the SBA s website to learn more about these two programs.

    The long and short of it is, if you need small-business loan capital, there s probably an SBA program out there for you.





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    High Speed Fiber Internet for Business #business #credit #cards

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    Check out the latest news in our expanding fiber optic network across the U.S.

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    • AT T Newsroom. 4/30/15, “AT T Expands High-Speed Internet Service for Businesses to More than 180 U.S. Cities”
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    Small Business Loans for Good, Average and Bad Credit #business #database

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    Small Business Loans for Good, Average and Bad Credit

    Small business loans can be critical to your success as a business owner. Traditional banks are no longer your only option. From SBA loans to business lines of credit to invoice-based financing, you now have access to many options through online lenders. Find the business financing product that is best for you. Learn about loan/product types .

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    Apply Now on LendingClub’s secure website.

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    Apply Now on DealStruck’s secure website.

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    Apply Now on Kabbage’s secure website.

    *Annual Percentage Rates (APR), loan term and monthly payments are estimated based on analysis of information provided by you, data provided by lenders, and publicly available information. All loan information is presented without warranty, and the estimated APR and other terms are not binding in any way. Lenders provide loans with a range of APRs depending on borrowers credit and other factors. Keep in mind that only borrowers with excellent credit will qualify for the lowest rate available. Your actual APR will depend on factors like credit score, requested loan amount, loan term, and credit history. All loans are subject to credit review and approval.

    The government-guaranteed business loan program works with banks to offer low interest rates and long-term repayment. SBA loans offer low rates and long repayment terms. But the process is time consuming and the requirements are strict. Only those with great personal credit, strong business finances and the bandwidth to wait for funding should apply. – Loan amounts: $30,000 to $5 million – APR range: 7% to 8% – Good for: large one-time investments, purchasing real estate or equipment, buying existing businesses, refinancing debt

    Online lenders offer term loans of up to $500,000. For a short-term loan, the repayment period typically ranges from six to 12 months, while a long-term loan’s repayment can extend up to 10 years or longer in some cases. – APR range: 7% to 98% – Good for: large one-time investments

    A business line of credit provides you with access to flexible cash. Lenders give you access to a specific amount of credit (say, $100,000), but you don’t make payments or get charged interest until you tap into the funds. – Credit line range: $2,000 to $500,000 – APR range: 9% to 108% – Good for: managing cash flow, handling unexpected expenses and financing short-term business needs.

    Invoice factoring lets your small business turn its invoices (the money owed by customers that has yet to be paid) into immediate cash. You sell the invoices to a factoring company, which then gets paid when it collects from your customers. If you’d rather maintain control over your invoices, invoice financing is an alternative to factoring. – Financing amounts: $500 to $500,000 – APR range: 11% to 64% – Good for: managing cash flow, short-term financing

    Only about 1 in 5 businesses that apply for a loan from a big bank are approved. To solve that problem, we work with online lenders that specialize in making the loan application process simple. Plus, they’re faster and offer more competitive rates than many banks.

    How does NerdWallet make money?

    We make money when you get the funding you need. Some of the loan providers on our site pay us a referral fee when customers like you get approved for a loan. We always try to find the best option for you, even if we don’t have a paying relationship with that lender. We also actively turn down offers from lenders that we feel seek to take advantage of small business owners. Read more about how we make money .

    We want to hear from you and encourage a lively discussion among our users. Please help us keep our site clean and safe by following our posting guidelines. and avoid disclosing personal or sensitive information such as bank account or phone numbers. Any comments posted under NerdWallet s official account are not reviewed or endorsed by representatives of financial institutions affiliated with the reviewed products, unless explicitly stated otherwise.





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    The Top Franchises For The Money #online #business #classes

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    The Top Franchises For The Money

    Tired of not getting paid what you’re worth (or not paid at all) and want to start your own, already-proven gig?

    That’s the lure of franchising. Pick a brand, add water and a few bucks, and voila, you’re an entrepreneur.

    Running day-to-day operations and turning a profit is another matter, of course. Success starts with picking the right system to begin with, then rooting out the names that give the best bang for your investment buck. But with roughly 3,500 franchises to choose from, each governed by a Franchise Disclosure Document (FDD) running around 400 pages, where to begin?

    With the help of Robert Bond, publisher of Bond’s Franchising Guides and chief executive of the World Franchising Network, a franchise database, Forbes weeded through the 100 most recognized franchise operators and found 20 that delivered the best bang for a franchisee’s investment buck.

    In Pictures: The Top 20 Franchises To Start

    “One of the reasons people buy a franchise is they have instant credibility,” says Bond. “If you are a lesser known franchise, it takes years to get that national recognition.”

    Bond concedes that big names come with higher startup fees, but the payoff is often worth it. “Because they are big, they are not lusting after franchise fees and royalties,” says Bond. Another reason size matters: “The best ones take care of their franchisees,” he adds. “A lot of franchisors don’t provide value to the franchisee. Unless they do that on a long-term basis, the system is not going to work.”

    Our methodology took into account four variables: estimated minimum initial investment (including initial fees plus equipment costs); total locations (we wanted at least 50, and more was better); survival rates (measured as the percentage of closings during the previous three-year period to the total number of existing locations–the lower the percentage, the better); and the number of training hours offered to new franchisees measured against the startup cost (the more support, the more comfortable we felt). We tallied each operator’s performance on each variable (overall footprint and survival rates carried the most weight) and summed the figures to arrive at our rank-ordered list.

    Restaurants dominated the ranks. At No.1: Domino’s Pizza, based in Ann Arbor, Mich. The cheesy stalwart boasts low overhead and an expanded menu, including pasta and sandwiches.

    Over 4,500 locations provide instant credibility; Domino’s also offers new franchisees a whopping 1,308 hours of training. Average initial investment per store: $253,950.

    7-Eleven comes in at No. 2, with over 6,200 locations (4,685 franchised). More than a quarter are located in California, so there is room to run. Unlike most franchises, which charge a royalty based on revenue, 7-Eleven takes about half of the franchisee’s profit. Average initial investment: $389,378.

    At No. 3 is Kumon North America, which offers Offers after-school tutoring in math and reading, geared mainly towards high school students, based on worksheets designed by founder Toru Kumon. Average initial investment: $90,894.

    At No. 11, Liberty Tax Service offers its franchisees a tidy business along with some pretty attractive hours. Franchisees work only four months a year and do not need prior tax-preparation experience; Liberty trains their staffs. Average initial investment: $63,350.

    There are other variables to consider before plunking down for your own franchise. Marketing expenditures and territory size are two big ones, says Dennis Wieczorek, chair of the franchise practice group at DLA Piper. Royalty fees are big, too, though these are hard to compare as some operators charge a percentage of revenues while others snag a flat monthly fee or something else entirely. (We included royalty rates for each of the 20 franchises in our slide show.)

    Potential profitability is yet another factor, but only about a third of franchises include what’s called an Item 19, or Financial Performance Representation in their FDD. While the document lays out lots of information about the financial health of the franchisor, individual franchisees’ performances are anybody’s guess. (Hint: Call a few before making any decisions; current and former ones are listed at the end of the FDD.)

    Franchisors offer varying levels of training. Some provide online tutorials while others send you to their training center for weeks and come to your store for days of on-the-job training. This isn’t as cushy as it sounds: For the most part, you are expected to foot the bill for travel and living expenses during training.

    The business model may be fully baked but franchising success is far from guaranteed. Do the hard research upfront and you’ll boost your odds.

    In Pictures: The Top 20 Franchises To Start





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