Tag: Guide

Small Business Financial Tools: Free Startup Budget Template and Guide #start #your #own #business

#small business startup

#

Essential Small Business Financial Tools: Free Startup Budget Template and Guide

Creating a startup budget is one of the most important tasks a new business owner will undertake. A startup budget serves as a roadmap for the business. It can help you understand where the business is going and whether you’re on the right path. The cost of starting a company varies widely, so it is critical to create an accurate and realistic startup budget specifically tailored to your business.

There are many reasons to create a startup budget. The main reasons are to figure out how much money you have, how much you will spend, and how much revenue you will need to meet your business goals. A startup budget is usually a key component of your business plan and is useful when applying for a loan or pitching to investors. It explains how your business will spend its resources to reach its goals.

Business owners should always refer to their budget before making important business expenditures. This helps to make sure they can afford to spend the money. Decisions such as purchasing new machinery or whether to expand operations should only be made after checking to make sure it fits into your budget. You can adjust your budget as needed over time, but make sure to stick to those changes.

Determining a business startup costs is critical to ensure enough cash is available to begin business operations on time and within the allotted budget. A startup budget usually covers the period leading up to the commencement of operations. It should only include costs that are necessary to start the business. Use this budget to be on the lookout for areas where you can save money .

Startup costs typically fall within two categories: monthly costs and one-time costs.

Monthly costs cover expenses that are incurred each month on a recurring basis. such as employee salaries, lease payments and utilities. One-time costs are expenses that are incurred only once during the startup period. Examples of one-time costs include the purchase of a building, computer equipment and consultant fees.

This startup budget template can be downloaded and used for any type of business. It should be customized to include the specific cost items that apply to the company.

To fill out this spreadsheet, determine the number of months the startup period will cover. Next, enter the applicable costs into their respective cells. The total amounts will automatically populate based on the embedded formulas. Once completed, you will be able to view an itemized list of your business’ startup costs. An example startup budget is also included to help guide you through the process.

Starting a business can be difficult and overwhelming. By taking the time to create an accurate startup budget now, you can give your business the best chance of succeeding in the future.





Tags : , , , , , , , , ,

Which should I buy – diesel or hybrid? #guide,cars,cars #advice,diesel

#

Which should I buy – diesel or hybrid?

Diesels and hybrids both promise excellent fuel economy, but they reward different types of driving

I f you’re looking for a fuel-efficient car, there’s a good chance you’ll be trying to choose between a diesel and a hybrid. But which is best? The truth is, it depends on the type of driving you do.

Diesel

Diesel cars are much quieter than they used to be, but they’re still not as relaxing at low speeds as petrol or hybrid cars. Instead, it’s on the motorway that diesels come into their own. For starters, they tend to be quieter on the motorway than they are in town. But diesels also require fewer revs than petrol or hybrid cars to maintain a steady cruising speed, making them much more efficient on long journeys.

Hybrid

Most hybrids combine a petrol engine with an electric motor. This motor can power the car on its own at low speeds, while the energy that’s normally lost when you touch the brakes is used to recharge the batteries that supply the electric motor with power. As a result, hybrid cars are great for drivers who live in cities or spend a lot of time in stop-start traffic. However, on faster roads the petrol engine has to do all or most of the work, meaning a hybrid is likely to be no more efficient than a conventional petrol car on longer journeys.

Some manufacturers are now offering plug-in hybrids that have bigger batteries that you charge up via a conventional power socket when you get to your house or office, and these models can go much farther on electric only power. However, they also tend to cost thousands of pounds more than conventional hybrids to buy.

The decision

If you do a lot of motorway miles, then, a diesel will suit you better. But if you do most of your driving in town it’s worth considering a hybrid. Just bear in mind that hybrids are more expensive than conventional petrol cars, and the money you save on fuel may not be enough to offset this higher purchase price.

For all the latest news, advice and reviews from Telegraph Cars, sign up to our weekly newsletter by entering your email here

Share this article





Tags : , , ,

The Beginner – s Guide to Different Types of Business Degrees #low #investment #business

#business degree

#

The Beginner s Guide to Different Types of Business Degrees

Take a look around your home. Nearly every item you own has an entire industry based around it, and each of those industries has multiple business functions within them. Because of this complexity, there is a huge variety in the different types of business degrees available to you.

With so many specializations within business degree programs, it can be a bit daunting when trying to decide which best fits your interests or career aspirations. To help you decipher the diversity, we broke down a list of some of the most common types of business degrees, the courses to expect and some examples of the jobs you can do with them.

Keep reading to get acclimated with 15 facets of the business field and start to get a feel for which area appeals to you.

15 Types of business degrees to consider

Accounting

Overview. Love numbers? Have an eye for detail? When studying accounting you will develop your understanding of generally accepted accounting principles, tax law, the process of managing financial documents and how it impacts business operations. The accounting field has several potential career paths and this degree will equip you to pursue different types of accounting, audit or tax-related positions within a variety of organizations.

COMMON COURSE SUBJECTS:

Advertising

Overview. Think you have the creativity to develop an ad that cuts through the clutter and sticks in the mind of a potential customer? With an advertising degree you ll learn how to make a message stand out from the crowd by learning about what makes an audience tick and how to best reach them. This is a great choice if you re looking for a way to leverage your creative ability in the world business.

COMMON COURSE SUBJECTS:

POTENTIAL JOB TITLES:

Business management

Overview: There s a lot to learn about managing a business or department. A business management degree will give you a solid comprehensive foundation in important business areas like accounting, sales, operations and organizational leadership. You ll also be better equipped to manage and lead a team of people, which is beneficial if you have hopes of advancing your career into leadership positions.

COMMON COURSE SUBJECTS:

POTENTIAL JOB TITLES:

Economics

Overview. If you choose to study economics, you can expect to learn about economic principles and theory, including the use of math and data analysis. An economics degree can help prepare you for analyzing and forecasting economic trends in order to improve business operations and performance.

COMMON COURSE SUBJECTS:

POTENTIAL JOB TITLES:

Entrepreneurship

Overview. If you want to start, build and manage a business of your own, an entrepreneurship degree can help you to develop the necessary skills to succeed. However, don t be fooled into thinking this degree is only for aspiring business owners. Most of the principles and courses can be applied in any business setting.

COMMON COURSE SUBJECTS:

POTENTIAL JOB TITLES:

Finance

Overview. If you choose to study finance. you ll learn a broad range of concepts and skills including financial analysis, economics, statistics and portfolio management. Majoring in finance will help you pursue opportunities in finance sectors as well as accounting or investment areas.

COMMON COURSE SUBJECTS:

POTENTIAL JOB TITLES:

Healthcare management

Overview. It takes a lot of business acumen to keep a healthcare facility running smoothly and profitably. This major prepares you for providing business management leadership strategies designed to address the unique challenges and intricacies within the growing healthcare industry. You will learn about many of the proven management techniques with a focus on the nuances found within the healthcare industry.

COMMON COURSE SUBJECTS:

POTENTIAL JOB TITLES:

Health services manager

Patient care associate

Hospitality management

Overview. If you have a passion for working with people and a knack for making sure everyone is taken care of, then a hospitality management degree may be right for you. Hotels, event venues and other similar establishments have unique management needs that are different than other businesses. Utilizing a variety of management and communications skills is important for making sure operations run smoothly and guests leave happy.

COMMON COURSE SUBJECTS:

Human resources

Overview. This field is all about people. Whether it s helping employees with navigating benefits enrollment or helping secure the top talent needed for business growth, this field relies on impeccable interpersonal skills. With a human resources (HR) degree. you will learn the skills necessary for managing business and labor practices in addition to learning about organizational development, resources planning and training.

COMMON COURSE SUBJECTS:

POTENTIAL JOB TITLES:

International business

Overview. International business focuses on you guessed it global business organizations. Multinational corporations need employees who are well-suited to deal with the unique challenges presented by doing business across multiple countries.

COMMON COURSE SUBJECTS:

POTENTIAL JOB TITLES:

Supply chain analyst

Business development specialist

Marketing

Overview. Want to help grow and maintain a business by attracting and retaining customers? This is a great option. By majoring in marketing. you ll be focused on learning the fundamentals of areas such as market research, communication and marketing strategies. The marketing department of a business helps accomplish tasks such as product promotion or consumer research in order to achieve business goals like increasing sales, building brand awareness and improving customer retention.

COMMON COURSE SUBJECTS:

Statistics

Overview. We live in an era where more data is being collected by businesses than ever before. But what good is that data if there s no one around to collect, organize and make sense of it all? Statisticians are trained in the collection, organization, analysis and interpretation of numbered data sets. They use these skills to help improve the decision-making ability of businesses by uncovering and planning for trends or patterns on which to act.

COMMON COURSE SUBJECTS:

POTENTIAL JOB TITLES:

Supply chain management

Overview: Ever wonder how the products you order online ends up on your doorstep within days? To steal a line from UPS: That s logistics! A supply chain management degree will prepare you to handle the intricacies of managing a global supply chain (and all of the moving parts that come with it) to ensure a business operations are running efficiently.

COMMON COURSE SUBJECTS:

POTENTIAL JOB TITLES:

Supply chain risk

Choose your business career path

Now that you have a better understanding of the different types of business degrees and the career opportunities associated with each, it s time for you to do some self-evaluation. Do any of the specializations above match your skills and interests? Going forward, your best bet is to find a few areas that appeal to you and dig deeper to learn more about the ins and outs of each focus-area.

For more information about specific business-related career fields, download theBusiness Career Outlook guide.

AUTHOR S NOTE: This article was originally published in October 2013. It has since been updated to include information relevant to 2016.

External links provided on Rasmussen.edu are for reference only. Rasmussen College does not guarantee, approve, control, or specifically endorse the information or products available on websites linked to, and is not endorsed by website owners, authors and/or organizations referenced.

Will is a Content Marketing Specialist at Collegis Education. He researches and writes student-focused articles on a variety of topics for Rasmussen College. He is passionate about learning and enjoys writing engaging content to help current and future students on their path to a rewarding education.

Connect with Will Erstad

Please enable JavaScript to view the lt;a href=”http://disqus.com/?ref_noscript” gt;comments powered by Disqus. lt;/a gt;

Your Story Idea Has Been Submitted





Tags : , , , , , , , , , ,

Social Media for Business: 2016 Marketer’s Guide #franchise #businesses

#business networking sites

#

Social Media for Business: 2016 Marketer’s Guide

Credit: Gonzalo Aragon/Shutterstock

Social media networks are fantastic resources for businesses of all sizes looking to promote their brands online. The platforms themselves are free to use, and they also have paid advertising options specifically for brands that want to reach even more new audiences. But just because your business should be on social media, that doesn t mean your business should be on every network. It s important that you choose and nurture the social platforms that work best for your business so that you don t spread yourself too thin.

If you want to create a successful social strategy, you need to familiarize yourself with how each network runs, the kinds of audiences you can reach and how your business can best use each platform. We profiled the top social media platforms so you can learn more about them and market your business better.

Facebook

Facebook is the biggest social network on the Web, both in terms of name recognition and the total number of users. With more than 1.55 billion active users, Facebook is a great medium for connecting people from all over the world with your business. And Facebook is not only the biggest network, but it s arguably the most versatile one. In the 12 years since it launched, Facebook grew from a simple website where college students could keep in touch into a multifaceted Web and mobile social platform where anyone can connect with not just their friends and family, but also with celebrities, organizations, businesses and more, thanks to the Pages feature.

Considering that Facebook has a wealth of options for any type of organization, it s a great starting point for your business, regardless of your industry. You can use it to share photos, videos, important company updates and more. Additionally, Facebook can be more low-maintenance than other social networks whether you post several updates a day or only a few a week won t make much of a difference in terms of what your fans will think of you. To find out more about Facebook for business, check out our guide .

Editor s Note: Looking for information on social media marketing for your business? Use the questionnaire below, and our vendor partner will contact you to provide you with the information you need:

Twitter

Twitter is another social network where you can post mostly anything. With Twitter, you can share short (140 or fewer characters) text updates, along with videos, images, links, polls and more. You can also easily interact with other users by mentioning their usernames in your posts, so Twitter is a great way to quickly connect with people all around the world. (The platform has more than 320 million active users worldwide and is one of the top 10 websites in the United States.) Because of its wide reach, Twitter is not only a great way to market your business but also an effective channel for handling customer service. For example, if you maintain an active Twitter presence, customers who are also active on the platform will seek you out to express concerns or share their praise.

If you have interesting content, Twitter is also a great tool for quickly spreading the word. Retweeting and sharing other users content is incredibly simple, hashtags help boost posts, and if a user with a lot of followers retweets you, your content has the potential to go viral. But with Twitter, it s important to remember to find balance don t simply share your own links or media; make sure you are also sharing a lot of interesting, relevant content from other Twitter users and from around the Web so your audience doesn t think you only care about what your business is doing. Check out our guide to learn more about using Twitter for business .

Pinterest

This platform consists of digital bulletin boards where users can save and display content they like in the form of pins. Users create and organize their boards by category. So, for example, as a personal user, one might have a board dedicated to food, where they pin recipes; another board dedicated to photography they find interesting; and so on. Pinterest is very visually oriented (every post has to be an image or video), and like Facebook, it is also fairly low-maintenance in terms of post frequency. However, keeping your boards organized and search-friendly can be time-consuming.

Pinterest is also more of a niche network than Facebook or Twitter, so it may not work for everyone. Pinterest s users are primarily women, and popular categories on the site are DIY projects, fashion, exercise, beauty, photography and food. That s not to say that businesses outside of these categories can t succeed on the platform, but it does make it a great marketing tool for businesses that do work in those areas. If you can find ways to connect your content to Pinterest s audience, then go for it. The platform also has a series of special types of pins called Rich Pins, which brands can use to add special information to their pins, like product details and even location maps. There are plenty of cool ways to use this platform to your advantage, and you can read more about them in our Pinterest for Business Guide .

Instagram

Instagram, like Pinterest, is a visual social media platform based entirely on photo and video posts. The network, which Facebook owns, has more than 400 million active users, many of whom post about food, art, travel, fashion and similar subjects. Instagram is distinguished by its unique filters and photo and video editing options. This platform, unlike the others, is almost entirely mobile (there is a Web version, but you can t take photos or create new posts on it, and other functions are limited as well).

Instagram is another platform where more artistic niches excel, so again, it may not be the best fit for your business, depending on your industry. If you want to succeed with Instagram, it s important that the person running your account has a good eye for detail and has at least basic photography skills, so that the photos and videos posted to your account are high-quality. And don t be discouraged if your industry is underrepresented on Instagram; if you can find the right hashtags to latch onto and can post intriguing photos, you will most likely make it work. To find out more about using Instagram for business, read our guide.

Tumblr

Tumblr is arguably the most difficult social media platform to use as a business, but it s also one of the most interesting networks. Tumblr allows several different post formats including text posts, chat posts, quote posts, audio posts, photo posts and video posts so you re not limited as to what kind of content you can share. As with Twitter, reblogging (reposting other users content) is very quick and easy, so if a user with a lot of followers shares your content, it s possible to go viral fairly quickly. However, what sets Tumblr apart more than anything is its audience, which is less like a pool of users and more like one big tight-knit community full of smaller subcommunities.

Tumblr currently hosts more than 200 million blogs, and the majority of these blogs are run by young people (half of Tumblr s visitor base is under age 25). But this means that businesses that don t cater to young people s interests or aren t relatable to young people in some way are not poised for success on the network. The good news is, there s a subcommunity or fandom for almost every niche and interest you can think of, so a successful marketing campaign is possible if you use Tumblr correctly. You can learn more about the Tumblr community and how to use Tumblr for business in our guide.

Editor s Note: Looking for information on social media marketing for your business? Use the questionnaire below, and our vendor partner will contact you to provide you with the information you need:





Tags : , , , , , ,

Nursing Home Litigation – CANHR #canhr, #ccrc, #long #term #care #advocacy, #lawyer #referral #service,

#

Nursing Home Litigation

By William F. Taylor, Esq.

A decade ago few attorneys in California were aware of the magnitude of the resident neglect taking place in nursing homes and other institutional settings. Even fewer were aware of the legal remedies available and the strategic and tactical approaches to take in successfully representing injured nursing home residents and their families. Today, thanks in significant part to the advocacy and educational efforts of CANHR, that has changed for the better.

Most attorneys engaged in representing consumers are now aware of this field of practice, and may have focused their practices on helping the victims of neglect and abuse to secure compensation. Today, an elder who suffers an avoidable fall, or who develops a serious pressure ulcer, or who is subjected to other forms of abuse and neglect, has a much better chance of being able to locate counsel to provide representation.

These are all positive developments. Unfortunately, despite the increased attention focused on the problems of nursing home residents, neglect and abuse continue. Here are just three examples noted from a review of recent State investigations (See CANHR Citation Watch Consumer Report contained in the CANHR Advocate, Spring 2006, based upon a review of data from the California Department of Health Services):

  • A resident admitted to a Skilled Nursing Facility (SNF) on 4/4/05 was noted to be at risk of pressure ulcers, yet over the next four months the care plan, which called for a specialty mattress, was ignored, and a heel pressure ulcer developed, and grew worse leading to gangrene and amputation. [Citation 03140702339]
  • On 9/12/05, a resident was transferred by a single staff member without assistance, in violation of a care plan requiring a two person assist using a mechanical lift; the resident fell to the floor, fractured both legs, and died two days later. [Citation 07175202608]
  • On 1/10/05 a resident complained that she had been placed in bed against her will and that a staff member stuffed a sock in her mouth, which caused her mouth to bleed. The episode of abuse was corroborated, yet the facility failed to report the incident to the Department of health Services until one month later. [Citation 01173702174]

These examples can be multiplied hundreds of times. Many attorneys who have attended CANHR conferences can cite far worse cases.

In fact, the extent of neglect may be growing worse due to a decline in the regulatory efforts to enforce the nursing home standard of care regulations. In the past several years the efforts of the California Department of Health Services, never very effective in its enforcement efforts, have grown even weaker, with the Department of Health Services failing to investigate complaints of abuse, neglect and patient rights violations within the time frame allowed by law. CANHR has brought suit against the California Department of Health Services because of its failure to comply with the time requirements for investigating complaints about conditions and treatment in nursing homes.

At the same time, the nursing home industry as it calls itself has embraced a number of practices, including, in some cases, the withholding of patients charts pending internal review. In an effort to avoid liability, nursing home chains have created corporate or limited liability shells for each individual facility. Other facilities have reduced or eliminated insurance coverage. And the industry has, of course, turned to the media and legislature to complain about how unfair it is that they can be sued. Defense attorneys have also become more sophisticated, with a number of firms now specializing in the defense of elder abuse cases.

In this author s view, the primary underlying problem remains the same. It is the unrestrained drive for profits that often results in nursing home owners and operators ignoring the legally mandated minimums of staffing, service and care. This attitude best accounts for the pervasive patterns of neglect and abuse that have been detected and documented in California s nursing homes over the past three decades.*

*For example, see California Nursing Homes: Care Problems Persist Despite Federal and State Oversight (July 1998), USGAO Report to the Special Committee on Aging, United State Senate. See also the following reports by the Commission on California State Government Organization and Economy (the Little Hoover Commission): Care Without Dignity (April 1991); The Medical Care of California s Nursing Home Residents: Inadequate Care, Inadequate Oversight (February 1989); New and Continuing Impediments to Improving the Quality of Life and the Quality of Care in California s Nursing Homes (May 1987); The Bureaucracy of Care: Continuing Policy Issues for Nursing Home Services and Regulation (August 12983); Long Term Care: Providing Compassion Without Confusion (December 1979). See also CANHR, Status Report on California s Nursing Home Industry (1997); Citation Report: California s Nursing Homes for 2002 (2001 and 2002).

For information about CANHR’s Lawyer Referral Service go to:
CANHR s Lawyer Referral Service

Certified Community
Campaign Agency
for the United Way





Tags : , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , ,

Florida Small Business – The Guide for Entrepreneurs and Emerging Companies – Florida Small

#small business magazine

#

Best Companies to Work For 2015

Florida’s Best Companies to Work For –
100 companies made the cut in our seventh annual Best Companies to Work For rankings. See all the winners in the categories of Best Large Company, Best Midsized Company and Best Small Company.

Business Florida
Few states can match Florida’s combination of advantages: a business climate that encourages innovation, unequaled market opportunities and a quality of life that is second to none. Read more about what makes Florida the right place for business.

Download FREE assessment tools, quizzes and analysis templates.

Small Business Success Stories

Florida Business News

Hours after Hurricane Hermine hit parts of Florida, Governor Rick Scott warned residents to stay safe from debris and help avoid the spread of the Zika virus.

The bulk of Florida workers, 65 percent, make below the state average annual salary of just over $39,000.

Efforts to shrink state-run Citizens Property Insurance Corp. continue, even though the state-run “insurer of last resort” is about one-third as large as it was in 2012.

A UCF College of Medicine cancer researcher has discovered a way to kill spreading breast cancer cells.

GE Transportation acquired ShipXpress, a Neptune Beach-based supply chain technology company.





Tags : , , , , , , , , , ,

Guide to Starting a Side Business #get #a #business #loan

#side business ideas

#

Guide to Starting a Side Business

Starting a side business can be a great option for anyone looking to diversify their income or start the process of taking their side business ideas and turning them into a full-time venture. Some of the best side business ideas can even be done from home.

There are so many opportunities to build a side business from home or otherwise, but make sure you’re starting a business with the right idea. From event planning to lawn care, there are plenty of ways to build a business while tapping into your passion. Local industry groups and networking meet-ups can be a fantastic way to meet other like-minded business owners as you refine your idea, research the market you’re breaking into, and scope out the competition.

Once you’re ready for launch, don’t neglect these networks. There may be many challenges to starting a side business. but chances are other small business owners around you have gone through similar situations and can offer advice. Of course, joining a small business association can be a great way to access resources and members-only savings while meeting small business owners in other industries to exchange ideas with.

Take a Hard Look at Your Time

Having a great idea for a side business or home-based business is just the start. It’s worth taking a good hard look at your time, resources, and plans for the future before jumping in and opening up that etsy shop or online service. You may be planning around a family or a full-time job, or you may be jumping into a new field where you don’t have much experience.

The first step is to evaluate your time and current time management skills. Especially if you have a family, balancing a side business can be challenging. You’ll need to set up a system for managing your time effectively and find the tools that work best for you.

Starting a side business while you’re still employed is a tricky balance, as you’ll have to put your job first at least for the foreseeable future. These tips can help you figure out strategies to build your side business without sacrificing your day job .

Cross Your T’s and Dot Your I’s

There is a whole range of legal and financial requirements that go into starting a business, even a small side business. From registering a business name to getting a tax number, it’s worth spending some time up front on getting these kinds of administrative tasks done.

At the very least, you may want to set up a separate account for all transactions related to your side business. It doesn’t necessarily have to be a business account to start with, but it should be clearly separated from your personal accounts. Save yourself and your accountant headaches and burdensome tax bills later on, and set up a record keeping system that’s effective right from the start. Getting an accountant is also a good step, if you don’t already have one.

You may want to take into account home office deductions in your planning, as well, if you set up a home office: even if it’s somewhere unconventional. Meeting space can be an issue for home-based businesses, so planning an alternative meeting space or getting your home set up for a professional meeting in advance will help mitigate stress.

Deal with regulations

Yes, there are far too many regulations on small businesses. And NFIB is fighting to change that. But in the meantime, compliance with zoning laws, industry-specific regulations, and other rules needs to be taken seriously.

If you’re running your business out of your house, there’s a good chance you’re subject to zoning restrictions. Fifty-two percent of businesses that are based at home will be. Make sure you check your local authorities’ rules, look at ordinances, and ensure that you won’t face restrictions from your local homeowners association or landlord. Everything from land use to signage, if you eventually put some up, can be an issue.

When all that’s complete, it’s worth checking in with your neighbours: especially if your idea for a side business will have people coming to your home, or if there may be noise. Think of it as a chance to inform and educate. You could earn a few early customers by being clear from the beginning, which is preferable to creating enemies once your side business takes off.

Get the Word Out When You’re Ready to Launch

When you’re passionate about your side business, talking it up to potential clients or customers can be a breeze – but getting your name out there still takes a lot of work! Depending on your skills and interests, you may be able to take on most of the marketing for your small business .

You don’t have to be doing everything at once, either. Maybe your business is best on one or two social media channels, or you get customers exclusively through networking and word of mouth. It’s worth checking out what your competition is doing to see if there are any gaps you can fill or audiences that are underserved. As with most of the other initial stages of starting a side business, research is key here.

Most of these initial steps to starting a side business come down to research and self-reflection: knowing what you want out of your new business, what your audience will want, and what time and resources you can realistically devote to your business as you start it off. If you’re ready to take your side business ideas to the next level, get planning. NFIB offers many resources for learning about different aspects of running a small business. Once you’re confident in your idea and plan, you should be set up for success.

Grow Your Business With NFIB

NFIB members receive valuable business advice on topics like healthcare, marketing and taxes.





Tags : , , , , ,

How to Install Lightweight Versions of Your Favorite Apps #apps, #mobile, #android, #ios, #facebook,

#

How to Install Lightweight Versions of Your Favorite Apps

With an eye towards the developing world where people are more likely to own cheap phones and have spottier wireless data access, the big names in tech are developing simpler versions of their apps. These apps are lightweight, use little data, and don’t burn through battery life. Sound good? It does to us too, and here’s how to give them a test drive.

Switching to a “lite” app means you’ll have to do without some of the visual polish and fancy features of the full-blown version, but you may well consider the trade-off worth it for the improved battery life alone. These apps are also useful for traveling abroad, when you might want to keep data usage down to a minimum or can’t rely on a phone signal.

Facebook Lite

Facebook Lite is aimed at developing nations with developing telecom infrastructure, so chances are you won’t be able to install it in your part of the world straight from the Google Play store.

To get around this, open up Settings in Android, tap Security. then toggle the Unknown sources switch On. Get hold of the latest Facebook Lite package from APK MIrror. then transfer it over to your phone (via email, Dropbox, or your method of choice). Run the file, tap through the security warnings, and you’re up and running.

You won’t notice all that much difference in what Facebook Lite can do, but the whole app is quicker and lighter, not to mention uglier than its big brother. Unlike the main app, the Messenger part of Facebook Lite is built into the same interface. If you just want the Messenger experience on its own, that’s available too and can be loaded in the same way.

iPhone users have no Lite option, though you can opt to use the Facebook mobile site.

Skype Lite

Built specifically for India, Skype Lite is like Facebook Lite in that it’s listed on the Google Play store but probably not available to download in your part of the world. Follow the instructions above for enabling apps from “unknown sources,” then grab the Skype Lite app from APK Mirror. As with Facebook, this is an Android-only deal, so those of you on iOS will have to make do with the full-fat Skype.

The same familiar Twitter interface shows up, with a slightly cleaner look, and access to your DMs and notifications as usual. Compared to the full experience, Twitter Lite caches more of your timeline, for an improved offline experience. To cut down on data usage, even more, tap your avatar then turn on Data saver .

To pin a shortcut to Twitter Lite to your homescreen, open the main Chrome app menu and choose Add to Home screen (Android) or tap the Share button in Safari then select Add to Home Screen. Tap the icon you’ve created and Twitter Lite opens in your browser.

Instagram Lite

As with Twitter, you can load up a slimmed-down version of Instagram on the web, which recently added photo upload capabilities as long as you’re browsing from a mobile device. Point your mobile browser of choice at www.instagram.com. log in with your credentials, and your feed appears.

Shiny appy people





Tags : , , , , , , , , ,

Stock Market Reporting – Complete Guide To Corporate Finance #stock #market #update

#stock market report

#

Stock Market Reporting

One of the primary tools for reporting stock market activity is the ticker tape. You’ve seen them on business programs or financial news networks: a flashing series of baffling letters, arrows and numbers scrolling along the bottom of your TV screen. (For a short history of the letters, read The Evolution Of Ticker Symbols and Wall Street History: Windows 1.0 And Ticker- Tape Parades .)

While many people simply block out the ticker tape. others use it to stay on top of market sentiment and track the activity of certain stocks. But what exactly is that cryptic script reeling by? It obviously tells us something about stocks and the markets, but how does one understand the ticker tape and use it to his or her advantage?

Brief History
Firstly, a tick is any movement, up or down, however small, in the price of a security. Hence, a ticker tape automatically records each transaction that occurs on the exchange floor, including trading volume. onto a narrow strip of paper, or tape.

The first ticker tape was developed in 1867, following the advent of the telegraph machine, which allowed for information to be printed in easy-to-read scripts. During the late 19 th century, most brokers who traded at the New York Stock Exchange (NYSE) kept an office near it to ensure they were getting a steady supply of the tape and thus the most recent transaction figures of stocks. These latest quotes were delivered by messengers, or “pad shovers,” who ran a circuit between the trading floor and brokers’ offices. The shorter the distance between the trading floor and the brokerage, the more up-to-date the quotes were.

Ticker-tape machines introduced in 1930 and 1964 were twice as fast as their predecessors, but they still had about a 15-20 minute delay between the time of a transaction and the time it was recorded. It wasn’t until 1996 that a real-time electronic ticker was launched. It is these up-to-the-minute transaction figures – namely price and volume – that we see today on TV news shows, financial wires and websites. And while the actual tape has been done away with, it has retained the name. (See How Has The Stock Market C hanged? to learn more about the evolution of trading.)

Due to the nature of the markets, investors from all corners of the globe are trading a variety of stocks in different lots and blocks at any given time. Therefore what you see one minute on a ticker could change the next, particularly for those stocks with high trading volume, and it could be some time before you see your ticker symbol appear again with the latest trading activity.

Reading the Ticker Tape
Here’s an example of a quote shown on a typical ticker tape:

Throughout the trading day, these quotes will continually scroll across the screen of financial channels or wires, showing current, or slightly delayed, data. In most cases the ticker will quote only stocks of one exchange, but it is common to see the numbers of two exchanges scrolling across the screen.

You can tell where a stock trades by looking at the number of letters in the stock symbol. If the symbol has three letters, the stock likely trades on the NYSE or American Stock Exchange (AMEX). A four-letter symbol indicates the stock likely trades on the Nasdaq. Some Nasdaq stocks have five letters, which usually means the stock is foreign. This is designated by an ‘F’ or ‘Y’ at the end of the stock symbol. To learn more, see Why do some stock symbols have three letters while others have four?

On many tickers, colors are also used to indicate how the stock is trading. Here is the color scheme most TV networks use:

Green indicates the stock is trading higher than the previous day\’s close.
Red indicates the stock is trading lower than the previous day\’s close.
Blue or white means the stock is unchanged from the previous closing price.

Before 2001, stocks were quoted as a fraction, but with the emergence of decimalization all stocks on the NYSE and Nasdaq trade as decimals. The advantage to investors and traders is that decimalization allows investors to enter orders to the penny (as opposed to fractions like 1/16).

Which Quotes Get Priority?
There are literally millions of trades executed on more than 10,000 different stocks each and every day. As you can imagine, it’s impossible to report every single trade on the ticker tape. Quotes are selected according to several factors, including the stocks’ volume, price change, how widely they are held and if there is significant news surrounding the companies.

For example, a stock that trades 10 million shares a day will appear more times on the ticker tape than a small stock that trades 50,000 shares a day. Or if a smaller company not usually featured on the ticker has some ground-breaking news, it will likely be added to the ticker. The only times the quotes are shown in predetermined order are before the trading day starts and after it has finished. At those times, the ticker simply displays the last quote for all stocks in alphabetical order.

Constantly watching a ticker tape is not the best way to stay informed about the markets, but many believe it can provide some insight. Tick indicators are used to easily identify those stocks whose last trade was either an uptick or a downtick. This is used as an indicator of market sentiment for determining the market’s trend.

So next time you’re watching TV or surfing a website with a ticker, you’ll understand what all those numbers and symbols scrolling across your screen really mean. Just remember that it can be near impossible to see the exact price and volume at the precise moment it is being traded. Think of a ticker tape as providing you with a general picture of a stock’s “current” activity.

Stock tables are another source of stock market reporting. Open any financial paper and you will see stock quotes that look something like the image below. In this section, we’ll explain how to make sense of these tables so that you can use the information to your advantage.

Let’s take a look at the stock/quotes table:

Columns 1 2: 52-Week High and Low. These are the highest and lowest prices at which a stock has traded over the past 52 weeks (one year). This typically does not include the previous day’s trading.

Column 3: Company Name and Type of Stock. This column lists the name of the company. If there are no special symbols or letters following the name, it is common stoc k. Different symbols imply different classes of shares. For example, “pf” means the shares are preferred stock.

Column 4: Ticker Symbol. This is the unique alphabetic name which identifies the stock. If you watch financial TV, the ticker tape will quote the latest prices alongside this symbol. If you are looking for stock quotes online, you always search for a company by the ticker symbol. If you don’t know a particular company’s ticker symbol, you can search for it at sites like Investopedia.

Column 5: Dividend Per Share. This indicates the annual dividend payment per share. If this space is blank, the company does not currently pay out dividends.

Column 6: Dividend Yield . This is the percentage return on the dividend. Dividend yield is calculated as annual dividends per share divided by price per share.

Column 7: Price/Earnings Ratio (P/E ratio). This is calculated by dividing the current stock price by earnings per share from the last four quarters. (For more on how to interpret this, see Understand The P/E Ratio .)

Column 8: Trading Volume . This figure shows the total number of shares traded for the day, listed in hundreds. To get the actual number traded, add two zeros to the end of the number listed.

Column 9 10: Day High and Low. This indicates the price range in which the stock has traded throughout the day. In other words, these are the maximum and the minimum prices that people have paid for the stock.

Column 11: Close. The close is the last trading price recorded when the market closed on the day. If the closing price is more than 5% above or below the previous day’s close, the entire listing for that stock is bold-faced. Keep in mind, you are not guaranteed to get this price if you buy the stock the next day because the price is constantly changing, even after the exchange is closed for the day. The close is merely an indicator of past performance and, except in extreme circumstances, it serves as a ballpark of what you should expect to pay.

Column 12: Net Change.
This is the dollar value change in the stock price from the previous day’s closing price. When you hear about a stock being “up for the day,” it means the net change was positive.

Quotes on the Internet
Nowadays, it’s far more convenient for most people to get stock quotes off the internet. This method is superior because most sites update throughout the day and give you more information, news, charting and research.





Tags : , , , , , , , ,

The Beginner – s Guide to Different Types of Business Degrees #designing #business #cards

#business degree

#

The Beginner s Guide to Different Types of Business Degrees

Take a look around your home. Nearly every item you own has an entire industry based around it, and each of those industries has multiple business functions within them. Because of this complexity, there is a huge variety in the different types of business degrees available to you.

With so many specializations within business degree programs, it can be a bit daunting when trying to decide which best fits your interests or career aspirations. To help you decipher the diversity, we broke down a list of some of the most common types of business degrees, the courses to expect and some examples of the jobs you can do with them.

Keep reading to get acclimated with 15 facets of the business field and start to get a feel for which area appeals to you.

15 Types of business degrees to consider

Accounting

Overview. Love numbers? Have an eye for detail? When studying accounting you will develop your understanding of generally accepted accounting principles, tax law, the process of managing financial documents and how it impacts business operations. The accounting field has several potential career paths and this degree will equip you to pursue different types of accounting, audit or tax-related positions within a variety of organizations.

COMMON COURSE SUBJECTS:

Advertising

Overview. Think you have the creativity to develop an ad that cuts through the clutter and sticks in the mind of a potential customer? With an advertising degree you ll learn how to make a message stand out from the crowd by learning about what makes an audience tick and how to best reach them. This is a great choice if you re looking for a way to leverage your creative ability in the world business.

COMMON COURSE SUBJECTS:

POTENTIAL JOB TITLES:

Business management

Overview: There s a lot to learn about managing a business or department. A business management degree will give you a solid comprehensive foundation in important business areas like accounting, sales, operations and organizational leadership. You ll also be better equipped to manage and lead a team of people, which is beneficial if you have hopes of advancing your career into leadership positions.

COMMON COURSE SUBJECTS:

POTENTIAL JOB TITLES:

Economics

Overview. If you choose to study economics, you can expect to learn about economic principles and theory, including the use of math and data analysis. An economics degree can help prepare you for analyzing and forecasting economic trends in order to improve business operations and performance.

COMMON COURSE SUBJECTS:

POTENTIAL JOB TITLES:

Entrepreneurship

Overview. If you want to start, build and manage a business of your own, an entrepreneurship degree can help you to develop the necessary skills to succeed. However, don t be fooled into thinking this degree is only for aspiring business owners. Most of the principles and courses can be applied in any business setting.

COMMON COURSE SUBJECTS:

POTENTIAL JOB TITLES:

Finance

Overview. If you choose to study finance. you ll learn a broad range of concepts and skills including financial analysis, economics, statistics and portfolio management. Majoring in finance will help you pursue opportunities in finance sectors as well as accounting or investment areas.

COMMON COURSE SUBJECTS:

POTENTIAL JOB TITLES:

Healthcare management

Overview. It takes a lot of business acumen to keep a healthcare facility running smoothly and profitably. This major prepares you for providing business management leadership strategies designed to address the unique challenges and intricacies within the growing healthcare industry. You will learn about many of the proven management techniques with a focus on the nuances found within the healthcare industry.

COMMON COURSE SUBJECTS:

POTENTIAL JOB TITLES:

Health services manager

Patient care associate

Hospitality management

Overview. If you have a passion for working with people and a knack for making sure everyone is taken care of, then a hospitality management degree may be right for you. Hotels, event venues and other similar establishments have unique management needs that are different than other businesses. Utilizing a variety of management and communications skills is important for making sure operations run smoothly and guests leave happy.

COMMON COURSE SUBJECTS:

Human resources

Overview. This field is all about people. Whether it s helping employees with navigating benefits enrollment or helping secure the top talent needed for business growth, this field relies on impeccable interpersonal skills. With a human resources (HR) degree. you will learn the skills necessary for managing business and labor practices in addition to learning about organizational development, resources planning and training.

COMMON COURSE SUBJECTS:

POTENTIAL JOB TITLES:

International business

Overview. International business focuses on you guessed it global business organizations. Multinational corporations need employees who are well-suited to deal with the unique challenges presented by doing business across multiple countries.

COMMON COURSE SUBJECTS:

POTENTIAL JOB TITLES:

Supply chain analyst

Business development specialist

Marketing

Overview. Want to help grow and maintain a business by attracting and retaining customers? This is a great option. By majoring in marketing. you ll be focused on learning the fundamentals of areas such as market research, communication and marketing strategies. The marketing department of a business helps accomplish tasks such as product promotion or consumer research in order to achieve business goals like increasing sales, building brand awareness and improving customer retention.

COMMON COURSE SUBJECTS:

Statistics

Overview. We live in an era where more data is being collected by businesses than ever before. But what good is that data if there s no one around to collect, organize and make sense of it all? Statisticians are trained in the collection, organization, analysis and interpretation of numbered data sets. They use these skills to help improve the decision-making ability of businesses by uncovering and planning for trends or patterns on which to act.

COMMON COURSE SUBJECTS:

POTENTIAL JOB TITLES:

Supply chain management

Overview: Ever wonder how the products you order online ends up on your doorstep within days? To steal a line from UPS: That s logistics! A supply chain management degree will prepare you to handle the intricacies of managing a global supply chain (and all of the moving parts that come with it) to ensure a business operations are running efficiently.

COMMON COURSE SUBJECTS:

POTENTIAL JOB TITLES:

Supply chain risk

Choose your business career path

Now that you have a better understanding of the different types of business degrees and the career opportunities associated with each, it s time for you to do some self-evaluation. Do any of the specializations above match your skills and interests? Going forward, your best bet is to find a few areas that appeal to you and dig deeper to learn more about the ins and outs of each focus-area.

For more information about specific business-related career fields, download theBusiness Career Outlook guide.

AUTHOR S NOTE: This article was originally published in October 2013. It has since been updated to include information relevant to 2016.

External links provided on Rasmussen.edu are for reference only. Rasmussen College does not guarantee, approve, control, or specifically endorse the information or products available on websites linked to, and is not endorsed by website owners, authors and/or organizations referenced.

Will is a Content Marketing Specialist at Collegis Education. He researches and writes student-focused articles on a variety of topics for Rasmussen College. He is passionate about learning and enjoys writing engaging content to help current and future students on their path to a rewarding education.

Connect with Will Erstad

Please enable JavaScript to view the lt;a href=”http://disqus.com/?ref_noscript” gt;comments powered by Disqus. lt;/a gt;

Your Story Idea Has Been Submitted





Tags : , , , , , , , , , ,