Tag: I

5 Things to Do Before Saying I Do to a Business Partner #discount #business

#business partner


5 Things to Do Before Saying ‘I Do’ to a Business Partner

CEO Founder, Deborah Mitchell Media Associates

September 24, 2014

As an entrepreneur, you may at some point consider getting a business partner or co-founder. Maybe you miss working with a larger team that complements your skills, or perhaps you are trying to broaden your market or expand your clientele. Whatever your motive, you should know that business partnerships always start with excitement, but have the potential to end tumultuously. When forming a business partnership — just like a marriage — there are certain key steps to take at the beginning that will help in the transition if your professional relationship should end.

1. Perform due diligence. Yes, everyone is fun over cocktails, but when the time comes to sign contracts and do business, you d better be sober and confident you re shaking the right hand. Asking for referrals about a potential partner goes beyond contacting common friends and asking their opinions. Call former partners and business associates, inquire with clients, read comments on their social media pages and look them up on Google. (Keep reading way past page one of the search results.)

By the time you re done, you should be able to name anyone who dislikes them — from their first high-school enemy to their latest unhappy client. Only then will you be able to either take a calculated risk or a major step back.

2. Make sure you lawyer up. If the legal fees in the beginning of a business relationship don t make you wince, then you re doing something wrong. When you partner with other people, every aspect of the business relationship should be put down in writing — including the goals for the company, duties and responsibilities of the partners and an exit strategy. Every sentence of a contract — no matter how innocuous — should be looked at by a lawyer. Since tax laws can be tricky, have your accounts receivable/payable arrangements scrutinized by an accountant.

3. Ensure you have exit strategy. Ending your business partnership is the last thing you want to think about when you are beginning one. It is similar to thinking about divorce on your wedding day, but you should have a plan. The business exit strategy should include several legal points including the division of the business assets and how the partner s portion of the business will be handled in case of death.

4. Protect yourself. One of the smartest moves you can make is to protect your personal assets in case of a lawsuit. Whether you choose to incorporate or become an LLC, the top benefit will be shielding your savings, home, car and even your favorite pair of Louboutins from any liabilities associated with the business.

5. Protect your brand. Joining forces with a partner takes a lot of energy, and chances are that somewhere down the line you will lose your focus. Working for a common goal within a new team is really exciting but merging forces does not necessarily mean merging identities. Don t lose sight of who you are. If part of the original business plan is to maintain your brand, make sure it doesn t suffer while you re giving all your time and energy to your new endeavor.

When you meet a potential partner, your personalities may click and your goals may be identical but to have a successful relationship, clarity is key. The more precautions you take in the beginning, the happier and more productive you will be later on. And the day you see that the team you ve tried to build has become nothing more that a group of people looking in different directions, then it s time to part ways and move on.

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What Can I Do with My International Business Major? #business #cards

#international business jobs


What Can I Do with My International Business Major?


The International Business major, in the McDonough School of Business, provides excellent preparation for students interested in careers involving the coordination of human and material resources toward the achievement of the international goals of the organization. In addition, international business requires special skills to adapt management methods to the needs of foreign environments.

The concentration is intended to prepare the student for administrative positions in international divisions of American companies; careers in the national or international government agencies concerned with international trade development, the establishment of international businesses; and careers in commercial and investment banking.


The study of international business allows for the development of a core set of skills sought after by employers in a wide range of occupational settings. A sampling of representative skills and abilities follows.

  • Analyze complex and unstructured data
  • Evaluate risks and opportunities
  • Coursework in Finance/Marketing/Management
  • Communicate clearly and persuasively
  • Diplomacy and negotiating
  • Networking
  • Public speaking
  • Awareness of international figures and news
  • Cultural sensitivity
  • Understanding of international politics
  • Understanding of trade regulations
Sample Internship Opportunities
  • Foreign companies operating in the United States (e.g. Chanel, Airbus)
  • Government Agencies (e.g. US Department of Commerce, State, Treasury)
  • Government Relations (e.g. Council on Foreign Relations)
  • International Banks (e.g. World Bank, Export-Import Bank, International Finance Corporation)
  • Multinational corporations (e.g. Viacom, L’Oreal, Hilton, Ogilvy Mather, Saatchi Saatchi, Disney, Goldman Sachs)
  • Nonprofit Organizations (e.g. Human Rights Watch, Amnesty International)

Where are Georgetown International Business Majors Now?

  • Financial Analyst
  • Stock Broker
  • Product Manager
  • Economist
  • Consultant Foreign Exchange Trader
  • Foreign Service Officer
  • Trade Specialist
  • Import/Export Coordinator
  • Lawyer Marketing Manager
  • Public Relations Specialist
  • Advertising Executive
  • Human Resources/Human Capitol Management
Relevant Web Sites and Publications
Professional Organizations

For information about career options, internship and full-time opportunities, contact the Career Education Center at One Leavey Center, (202) 687-3493.

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Credit Card Debt Consolidation Loans, Prosper, how do i consolidate my credit cards.#How #do


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Are you looking for a loan to help you keep more cash in your pocket every month? By consolidating your high interest debts, you may enjoy the relief you need.

Although you can never borrow your way out of debt, you can greatly reduce the amount of interest you pay every month. Depending upon the credit card balances you re currently carrying, this could save you lots of money—hundreds of dollars, perhaps thousands.

Improve your credit. Start down the road to debt relief right now by applying for a loan at Prosper. You’ll enjoy one easy monthly payment, and we offer only unsecured loans so you won t need to take out a second mortgage or home equity loan.

How does Prosper differ from other debt consolidation loans?

Prosper makes the entire process as easy and transparent as possible. We bring people together to help others through our online community.

Simply join the Prosper community and tell your story to our lenders. Explain how you re looking for a low-cost solution to consolidate your debt. Many of our lenders may respond positively to that as they understand the importance of eliminating excess debt and avoiding a bad credit score.

With a Prosper loan, your loan principal goes down as you make your loan payments. So take the first step to eliminate your credit card debts by joining Prosper and creating a listing. Apply now.

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Yes. Most lenders will look at your credit history, and Prosper lenders are no exception. If you are sure you have bad credit, you may want to consider improving it before you apply. If you are not sure of your credit score, we can help you find out now, for free, with no obligation.

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*For example a three-year $10,000 loan with a Prosper Rating of AA would have an interest rate of 5.32% and a 1% origination fee for an APR of 5.99% APR. You would receive $9,900 and make 36 scheduled monthly payments of $302. A five-year $10,000 loan with a Prosper Rating of A would have an interest rate of 7.69% and a 5% origination fee for an APR of 9.88% APR. You would receive $9,500 and make 60 scheduled monthly payments of $201.28. Origination fees vary between 1%-5%. Annual percentage rates (APRs) through Prosper range from 5.99% APR (AA) to 36.00% APR (HR) for first-time borrowers, with the lowest rates for the most creditworthy borrowers. Eligibility is not guaranteed, and requires that a sufficient number of investors commit funds to your account and that you meet credit and other conditions. Refer to Borrower Registration Agreement for details and all terms and conditions. All loans made by WebBank, member FDIC.

Prosper and WebBank take your privacy seriously. Please see Prosper’s Privacy Policy and WebBank’s Privacy Policy for more details.

Notes offered by Prospectus. Notes investors receive are dependent for payment on unsecured loans made to individual borrowers. Not FDIC-insured; investments may lose value; no Prosper or bank guarantee. Prosper does not verify all information provided by borrowers in listings. Investors should review the prospectus before investing.

All personal loans are made by WebBank, member FDIC. Loans are unsecured, fully amortized personal loans.

Notes are not guaranteed or FDIC insured, and investors may lose some or all of the principal invested. Investors should carefully consider these and other risks and uncertainties before investing. This and other information can be found in the prospectus. Investors should consult their financial advisor if they have any questions or need additional information.

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**All personal loans are made by WebBank, member FDIC. All Prosper personal loans are unsecured, fully amortized personal loans.

Notes offered by Prospectus. Notes investors receive are dependent for payment on personal loans to borrowers. Not FDIC-insured; Investments may lose value; No Prosper or bank guarantee. Prosper does not verify all information provided by borrowers in listings. Investors should review the prospectus before investing.

*Seasoned Return calculations represent historical performance data for the Borrower Payment Dependent Notes (”Notes”) issued and sold by Prosper since July 15, 2009. To be included in the calculations, Notes must be associated with a borrower loan originated more than 10 months ago; this calculation uses loans originated through May 31, 2012. Our research shows that Prosper Note returns historically have shown increased stability after they’ve reached ten months of age. For that reason, we provide “Seasoned Returns”, defined as the Return for Notes aged 10 months or more.

To calculate the Return, all payments received on borrower loans, net of principal repayment, credit losses, and servicing costs for such loans, are aggregated and then divided by the average daily amount of aggregate outstanding principal. To annualize this cumulative return, it is divided by the dollar-weighted average age of the loans in days and then multiplied by 365.

All calculations were made as of September 30th, 2013. Seasoned Return is not necessarily indicative of the future performance on any Notes.

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Ax vs #ax #i


Ax vs. axe

Thank you for your comment. We base these posts on data rather than any individual s experience with the language, but you were right to call our attention to this post, as our statement that ax is standard in American English was inaccurate. Ax is indeed more common than axe in this century, at least in American news publications that put their content online, but axe is still quite common. We ve updated the post to reflect this.

Thomas Streib says:

I m an American. I can clearly remember that I was taught ax in school. We are taught that when two vowels are close to each other, the first is long and the second is silent. (though not always): fat – fate, wa – way, ba – bae, at – ate. This is not always the case, but when it is then two or more consonants will avoid any phonic change.
ride – riding, rid – ridding

In the decade since I left high-school, I have ALWAYS seen ax being spelled axe. With a spelling like axe, one might think that the a will be long: ay-ks instead of a-ks. However, we continue to see axe over the years despite this.

This explanation makes complete sense to me. Axe always looked better to me even though I usually like shorter spellings better, but now that I can see a reasonable argument for ax I can happily make the switch. Thank you!

Chris Laurence says:

I find it amusing you use ba – bae as an example I don t think you realize that bae is actually a danish word for poop and it s not even listed in the dictionary as a word it just means poop.

As someone who lives in America, I can say that I ve never seen anyone write broadax or pickaxe. I ve mostly seen the word with the E.

Travis Yates says:

It is horribly apparent our education for the English language is suffering. When a vowel such as a is followed by a consonant as in x and then followed by an E it makes the preceding vowel LONG or for those who don t know what that means .it says its own name and the E becomes silent, so phonetically speaking; axe would be pronounced as if it were spelled aches . AX is pronounced with Ă sound because there isn t an E at the end. Other examples are Fat vs Fate, sit vs site, at vs ate, mop vs mope. This list can go on and on but its pretty sad when there are this many people who have no idea of correct American grammer, which is why we end up with idiots who think female is actually FEE MALL EE, or shithead which they thought was SHE THEED. These last two examples I wish I was making up, but unfortunately people ACTUALLY NAMED their kids those because they think they can just make up stuff and pronounce it any way they feel like only to prove how ignorant they really are. Another example is when they spell ax thinking their spelling ask.

Another example is when they spell their thinking they are spelling they re. (This smart ### moment brought to you by )

No pronunciation rule in American English is hard and fast. For example, why do their, they re and there all sound the same? And, specifically, given your rule above, why does there not follow it? Why does it sound like th-ay er rather than th EE er, as the above rule would indicate?

I prefer axe because it was apparently so prevalent that nearly every other English-speaking country spells it this way. But that s nonsense, too, because I m perfectly at ease with not having the U in laboUR, favoUr, etc. So, I suppose it comes down to the way I was originally taught and was ingrained in me by most literature I read throughout school and since. It s obvious to me from this page that it was hardly taught in a uniform manner, so I guess I need to learn to be more open to the other spelling.

Matt Fletcher says:

Steven King used ax all the time in The Shining and I was really confused as to what it was he was talking about. I m British and have only ever seen axe- ax looks like a mistake (as someone else pointed out)

Ffffe Fjjj says:

Ax is of course the more logical and obvious spelling. Pro tip: if you can add a letter to a word, and that added letter does not change the spelling of the word at all if, in other words, that added letter is completely useless you should not add that letter.

God bless you, Noah Webster.

Daniel Larson says:

Currently MS Word spell checker accepts both spellings as correct. Webster lists it as AX, however it also lists AXE as an acceptable spelling. Ironically typing AXE here in this comment box it got underlined in red as misspelled! Right clicking it reveals AX or AXES in the plural.

I ve lived in America my entire life but I ve always used axe over the other? I thought ax was incorrect slang usage. XD

I ve lived in UT all of my life, and I ve always struggled with this. Axe looks right to me, but my auto-corrects always put that annoying red line under it. I am one of the few in this younger generation who actually laments the continuous and rapid degradation of this language. The most meaningful, and often concise, words are quickly falling into oblivion, so increasing familiarity with older works greatly enriches one s vocabulary; although it may be much to the detriment of hard-earned spelling skills.

Chris Johnston says:

The Oxford English Dictionary says The spelling ax is better on every ground, of etymology, phonology, and analogy, than axe, which became prevalent during the 19th century; but it is now disused in Britain. I always took it to mean that axe was the newer of the two variants. Despite this, I prefer axe myself.

I learned in South Korea in PSA and in CI and I only learned axe. I thought the science book was wrong ion ax but I guess I was wrong!

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Bmw l #bmw, #bmw #france, #bmw #série #1 #trois #portes, #bmw #série #1 #cinq























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La sportivité associée à une esthétique époustouflante. les BMW Série 4 Coupé, Gran Coupé et Cabriolet représentent la quintessence du plaisir de conduire par BMW. La BMW Série 4 Coupé se distingue par son esthétique expressive et sa dynamique sportive, tandis que la BMW Série 4 Gran Coupé associe une esthétique fascinante à une grande polyvalence grâce à son système de hayon. Enfin, la BMW Série 4 Cabriolet, grâce à son toit rigide rétractable, promet des sensations uniques quelle que soit la saison.


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BMW Group est le premier constructeur mondial en matière de durabilité avec, à ce jour, 111 modèles qui ne dépassent pas 120g de CO2 /Km, et 196 qui ne dépassent pas 140g de CO2 /Km. La gamme Entreprises BMW, ce sont des modèles à l’efficience prodigieuse, mais également des voitures minutieusement sélectionnées, disponibles en finition Business ou Executive et accompagnées de solutions de financement sur-mesure.

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Can I use my Health Savings Account for plastic surgery? #can #i #use #hsa


Paying for your face-lift is more difficult than you think

At Bernard Health, we are often asked about paying for plastic surgery with money from a health-savings account.

Most of the time, the answer is unfortunately “no”. The HSA can only be used for cosmetic surgery if prescribed by a physician and deemed medically necessary. How do you know if your plastic surgery is deemed medically necessary? If it’s unclear, ask your doctor.

As an elective procedure, your costs wouldn’t qualify as an eligible medical expense. Qualified medical expenses under an HSA are defined as: medical copayments or coinsurance, long-term care costs, dental care costs, vision care costs, prescriptions medications and some over-the-counter medications. HSA funds can also be used to pay for COBRA or retiree medical insurance premiums.

You can find a more complete list of what is considered an “eligible medical expense” here or on page 15 of the IRS document.

The following list may be helpful for the grey area questions of what your HSA doesn’t cover.

Your HSA doesn’t cover the following:

  • Cosmetic surgery
  • Exercise equipment
  • Fitness Programs
  • Funeral expenses
  • Gym memberships
  • Hair transplants
  • House help
  • Illegal operations and treatments
  • Insurance premiums
  • Maternity Clothes
  • Teeth Whitening

However, another grey area is LASIK surgery. You can pay for lasik surgery with money from your health-savings account. So that should be good news!

Remember, you can spend the money in your HSA on anything you wish after age 65 and you will pay normal income taxes on that purchase. Before age 65, if you spend the money on a non-eligible medical expense, you will pay taxes plus a 20% penalty on that purchase.

If you enjoyed this post, you may also like HSA rules.

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Cisco IP Phone 8851 Data Sheet #i #phone #help #desk


Cisco IP Phone 8851 Data Sheet

The Cisco IP Phone 8851 is a business-class collaboration endpoint that combines high-fidelity, reliable, secure, and scalable voice over IP communications with Cisco Intelligent Proximity for telephony integration for personal mobile devices to support small to large enterprise businesses.

With the Cisco IP Phone 8851, you can increase personal productivity through an engaging user experience that is both powerful and easy-to-use. The IP Phone 8851 combines an attractive new ergonomic design with wideband audio for crystal clear voice communications, “always-on” reliability, encrypted voice communications to enhance security, and access to a comprehensive suite of unified communication features from Cisco on-premises and hosted infrastructure platforms. It is also supported on third party hosted call control services.

In addition, Cisco Intelligent Proximity brings the worlds of desk and mobile together for you when you are using your mobile device at the desk for your work. You can move the audio path over to the Cisco IP Phone 8851 during active mobile calls to take advantage of its superior audio acoustics. An example would be to share a conversation with a colleague who you want to listen in. This capability gives you greater flexibility and a superior user experience when at your desk.

The IP Phone 8851 also comes standard with a USB port so you can charge your smartphone when at your desk, and stay connected when away from your desk.

The Cisco IP Phone 8851 offers five programmable line keys. You can configure keys to support either multiple directory numbers or calling features such as speed dial. You can also boost productivity by handling multiple calls for each directory number using the multicall-per-line feature. Fixed-function keys give you one-touch access to applications, messaging, directory, as well as often-used calling features such as hold/resume, transfer, and conference. A five-way navigation cluster helps you transition through menus more easily. Backlit acoustic keys provide flexibility for audio path selection and switching.

Other key features of the phone follow:

● The Cisco IP Phone 8851 offers a 5-in. high-resolution (800 x 480) widescreen VGA backlit color display. Localized language support, including right-to-left on-screen text, meets the needs of global users.

● The phone supports a built-in Gigabit Ethernet switch for your PC connection.

● Support for Cisco EnergyWise ™ technology makes the Cisco IP Phone 8851 more energy-efficient and ecofriendly; the phone is qualified by the Energy Star organization.

● An optional wall-mount kit is orderable as a spare part for customers seeking this capability.

● Up to two optional IP Phone 8800 Key Expansion Modules with up to 72 additional line/feature keys are supported.

● Two color options (charcoal and white) are available.

Features and Benefits

Table 1 lists features and benefits of the Cisco IP Phone 8851.

Table 1. Features and Benefits of Cisco IP Phone 8851

● The handset is a standard wideband-capable audio handset (connects through an RJ-9 port).

● The standard coiled cord has a custom end for concealed cable routing beneath the phone
(cord length is approximately 21 in. [55 cm] coiled and up to 72 in. (183 cm) extended).

● The handset is hearing aid-compatible (HAC) and meets Federal Communications Commission (FCC) loudness requirements for the Americans with Disabilities Act (ADA). You can achieve Section 508 loudness requirements by using industry-standard inline handset amplifiers such as Walker Equipment W-10 or CE-100 amplifiers. The dial pad is also ADA-compliant.

● A full-duplex speakerphone gives you flexibility in placing and receiving calls with hands free. For added security, the audible dual tone multifrequency (DTMF) tones are masked when the speakerphone mode is used.

The Cisco IP Phone 8851 phones are covered by a Cisco standard 1-year replacement warranty.

Cisco Unified Communications Services

Cisco and our certified partners can help you set up a secure, dependable Cisco Unified Communications Solution, meeting aggressive deployment schedules and accelerating business advantage. Cisco’s portfolio of services is based on proven methodologies for unifying voice, video, data, and mobile applications on fixed and mobile networks.

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For additional details about the Cisco IP Phone 8800 Series, go to http://www.cisco.com/go/ipphones/8800 .

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  • Arizona Probate Services #arizona,probate,services,do #it #yourself,informal,formal,small #estate,affidavits,paralegals,low #cost,fast,easy,cheap,experienced,legal,papers,probatecourt,phoenix,save,money,filings,court,fees,how #do #i #get #appointed #as #executor,do


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    Attorney I Salaries by education, experience, location and more #plumbers #gaithersburg #md, #attorney #i


    Attorney I Salaries

    Alternate Job Titles: Entry Level Attorney, Attorney I, Lawyer I

    • What is the average annual salary for Attorney I?

        How much does a Attorney I make? The median annual Attorney I salary is $89,788. as of May 30, 2017, with a range usually between $77,993 – $103,131. however this can vary widely depending on a variety of factors. Our team of Certified Compensation Professionals has analyzed survey data collected from thousands of HR departments at companies of all sizes and industries to present this range of annual salaries for people with the job title Attorney I in the United States.

        This chart describes the expected percentage of people who perform the job of Attorney I in the United States that make less than that annual salary. For example the median expected annual pay for a typical Attorney I in the United States is $89,788, so 50% of the people who perform the job of Attorney I in the United States are expected to make less than $89,788.

        Source: HR Reported data as of May 30, 2017

        • About this chart

            This chart describes the expected percentage of people who perform the job of Attorney I that make less than that salary. For example 50% of the people who perform the job of Attorney I are expected to make less than the median.
            Source: HR Reported data as of June 2017

            Prepares and examines contracts involving leases, licenses, purchases, sales, insurance, etc. Provides legal advice to an organization, prepares resolutions and forms, and participates in major legal actions. Responsible for foreseeing and protecting company against legal risks. Must be a graduate of an accredited law school with 0-3 years of experience. Familiar with standard concepts, practices, and procedures within a particular field. Relies on limited experience and judgment to plan and accomplish goals. Performs a variety of tasks. Works under general supervision. A certain degree of creativity and latitude is required. View full job description