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Canada s Top Small & Medium Employers (2016) #business #logo

#small companies


About the Competition

PolyCello employees inspecting equipment and product quality in the company’s blown film extrusion lines


Now entering its 4 th year, Canada’s Top Small & Medium Employers is an editorial competition that recognizes the small and medium enterprises (SMEs) that offer the nation’s best workplaces and forward-thinking human resources policies. Canada’s SME sector is tremendously important to the nation and is responsible for:

  • over half of the nation’s gross domestic product;
  • almost 90% of the private-sector labour force; and
  • over three-quarters of the new jobs created in the past decade.

Our 2016 winners were announced in a special magazine published in The Globe and Mail on March 29, 2016. Read the press release issued the same day, announcing this year’s winners.

Selection Process

Employers are evaluated by the editors of Canada’s Top Small & Medium Employers using the same eight criteria as our national competition :

  • (1) Physical Workplace;
  • (2) Work Atmosphere & Social;
  • (3) Health, Financial & Family Benefits;
  • (4) Vacation & Time Off;
  • (5) Employee Communications;
  • (6) Performance Management;
  • (7) Training & Skills Development; and
  • (8) Community Involvement.

To determine eligibility, the Top 100 editors adopted the SME definition used by Statistics Canada, limiting the competition to private-sector commercial organizations with under 500 employees.

Fusion Learning employees looked back to the past for fashion inspiration during the summer conference

Editorial Partner

The Globe and Mail is our editorial partner on the Canada’s Top Small & Medium Employers competition. Each year, the competition winners are announced in a special magazine published nationally in The Globe and Mail. Our editors’ detailed reasons for selection are published on our job search engine, Eluta.ca click an employer’s name below to read why each of this year’s winners was chosen. Publishing detailed Reasons for Selection is an important feature of our competition: it provides transparency in the selection of winners and “raises the bar” so that other employers can discover and adopt initiatives that work well at other SMEs.

Eligibility Requirements

To be considered a “Small or Medium Enterprise”, your company must: (a) have less than 500 employees worldwide, including employees at any affiliated companies; and (b) be a commercial, for-profit enterprise, i.e. non-profit organizations don’t meet the definition.

2017 Competition

Applications for our 2017 competition will be available early in 2016. Our 2017 winners will be announced in a special magazine in The Globe and Mail early in 2017. To receive an application for next year’s competition, employers should join our mailing list:

Editorial Conference

To learn more about the competition, we invite you to join us at the Top Employer Summit. our annual editorial conference on the Canada’s Top 100 Employers project. This event lets you discover the latest best practices from winners, meet competition organizers and editors, and hear inspiring stories from world-class speakers – all presented in a commercial-free format. The conference is Canada’s largest annual event for senior-level HR professionals.

Scalar Decisions employees at the company’s 10th anniversary party

The Little Engines of Growth

There are big differences working for Canada’s Top Small and Medium Employers

Jason Leung knows the difference between working for a big corporation and for a Small and Medium Employer. Really, it gets down to that little word “big”.

Leung used to work in sales, based in Vancouver, for one of the world’s largest soft-drink companies. Now he works in a smaller city for a much smaller company that makes food for small and medium sized friendly creatures.

Petcurean Pet Nutrition, which produces premium pet food in Chilliwack, B.C. is a fast growing company in a fast growing category. It has operations in many of the same countries around the world that the soft-drink company does. But it still has only 64 global employees.

Talk to Leung, who is now an Export Manager, about the workplace culture. “At my old company, it was almost a competition among employees about who was working the longest, who was working the hardest, who was doing the most out there. It was just show off, show off, show off. But here they really promote work-life balance. It feels like family.”

Then there is the challenge of getting something done. “Here, no door is closed, no one says, that’s not my department, don’t talk to me,” says Leung. “At my old company, I’d see it all the time. You’ve got to go through the ranks, talk to your senior manager, the senior manager talks to another person who talks to the person you really need. Here, I just walk into the general manager’s office myself.”

Millions of Canadians share Leung’s kind of workplace environment, although their company may not have made the list of Canada’s Top Small and Medium Employers. Some 90 per cent of the private-sector labour force is employed by a SME (commonly pronounced Smee, like Captain Hook’s sidekick). SMEs are credited with creating over 75 per cent of new jobs in Canada in the past decade.

And this little engine of growth often works on quite different principles from the big locomotives. Leung’s account of the contrasts he found between a soft-drink giant and a pet food SME is echoed 3,200 kilometres away in a tech company in the Waterloo region. “Generally people who come to us from large organizations are very familiar with structure and going through channels,” says Dan Latendre, Founder and CEO of Igloo Software, which employs just over 90 people in Kitchener, Ont. “Whereas here, we’re all about agility and innovation if that’s a great idea, why aren’t we acting on it?”

Latendre believes in a “flat”, non-hierarchical style of organization that can be surprising to people who come from big companies. “They’re very aware of chain of command,” he says. “Here it’s, hey, we’ve formed a project team, let’s get this project done. You may have me, as CEO, in the project along with other people. But we all work for the project manager, and we all have tasks to get done. Which kind of blows people’s minds, that they’re working directly with the CEO.”

To some people, notes Richard Yerema, Managing Editor for Mediacorp Canada, which compiled the SME list, working for a small company means trade-offs a more family style atmosphere and more agility, perhaps, but fewer benefits than at a big outfit. But the 100 companies on this 2016 SME list are proof that sometimes you can have it all. Benefits are often competitive with those of much larger firms.

Take Petcurean. Its Human Resources Manager, Cari McClelland, joined a year ago and found a benefit plan that included prescription drugs, a maternity leave top-up, long-term disability and, after staff asked for it, vision care.

“For a company our size to carry that extensive a benefit package is not the norm,” says McClelland, an experienced HR professional. “I’ve been amazed at the willingness of our leadership to say, ‘let’s look at it if we can do it, we’ll do it’.”

Yet many such benefits are becoming the norm at Canada’s Top SMEs. Yerema says that nearly half of the employers on this year’s list provide some form of maternity leave top-up the additional payment that brings a new mother’s Employment Insurance benefit closer to her original salary for a certain number of weeks. “That is quite an accomplishment,” says Yerema. “Ten years ago, even many large companies weren’t offering it.”

At Igloo, too, Latendre offers benefits that his staff say are equivalent to those of large tech companies they’ve worked at, such as BlackBerry. They also get stock options, offering the promise that the company’s success will benefit every employee.

And that may be another part of the attraction of the Small and Medium Employer. Along with the friendly atmosphere, the quick decision-making and the pot-luck get-togethers, there’s the idea that this small upstart might one day become the most successful software company or pet food company in the world. “SMEs capture the imagination for a lot of people,” notes Yerema. “What would it have been like to be the fifth person hired at Google?”

By Berton Woodward
From the official announcement magazine for Canada’s Top Small & Medium Employers, published on March 29, 2016 in The Globe and Mail.

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Bachelor of Science (BS): Technology Degree Overview #b #s #information #technology, #bachelor #of #science


Bachelor of Science (BS): Technology Degree Overview

Individuals who want to earn a Bachelor of Science degree in technology can pursue a Bachelor of Science in Information Technology, a Bachelor of Science in Industrial Technology or a Bachelor of Science in Medical Technology. Learn about these programs, as well as salary and career information.

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Essential Information

Students interested in earning a technology-related bachelor’s degree have several options. Information technology degree programs teach students about computer applications and programming. Industrial technology degree programs aim to prepare students for technical duties in manufacturing and production industries. Students of medical technology programs learn scientific and medical topics. In addition to a high school diploma or the equivalent, students must submit their SAT or ACT scores for program admission.

Bachelor of Science in Information Technology

B.S. in Information Technology programs usually offer coursework in business concepts and technical communication to improve individuals’ ability to work with computer systems. By offering diverse curricula, many programs help students gain design computing, managerial, technical, communication and business skills. By engaging in hands-on experiences and teamwork, students may gain knowledge in technical trends and business practices. Some programs allow students to focus their studies on a concentration area in the field, such as system design, computer science, infrastructure or software application. Students may study topics such as:

  • Databases
  • Programming
  • Analysis
  • Web servers
  • Information security
  • Computer networks

Bachelor of Science in Industrial Technology

Most Bachelor of Science in Industrial Technology programs offer curricula that teach management principles, physical sciences and industry operations. Students may develop an understanding of operations and learn how to optimize areas of manufacturing, such as personnel, materials and processes. Many programs offer internship experiences in industrial or manufacturing settings, providing hands-on experiences for students. Also, students may have opportunities to gain skills in problem solving, leadership and management, design and collaboration. Some programs offer concentrations in areas of industrial technology, such as manufacturing systems, drafting design or automatic systems. Course topics in a program may include:

Find schools that offer these popular programs

  • Computer and Information Support Services, Other
  • Information Science and Studies General
  • Information Technology
  • Robotics and Artificial Intelligence

Bachelor of Science in Medical Technology

In general, Bachelor of Science programs in medical technology offer curricula with theoretical and practical work in a medical laboratory, where students learn to perform laboratory tests. Students may also gain hands-on experience during the clinical portion of their coursework, which may take place in hospital laboratories under the supervision of physicians and medical technicians. These programs take four years to complete, with the first three years focused around coursework and the final year devoted to clinical experience.

A B.S. in Medical Technology program should be accredited by the NAACLS and the American Medical Association Council on Health Education. Most B.S. degree programs lead to or qualify students to take certification and licensure examinations. Aside from typical high school transcript requirements, some programs have a minimum GPA requirement. Students may engage in topics such as:

  • Hematology
  • Immunology
  • Biology
  • Histology
  • Clinical microbiology
  • Clinical chemistry

Popular Career Options

A B.S. in Information Technology can prepare individuals for entry-level careers in the computer and technology field, such as occupations in software engineering, information systems or network security. Individuals may pursue positions as:

  • Computer systems analysts
  • Network systems professionals
  • Database systems managers
  • Data communications analysts
  • Information technology designers

As reported by the U.S. Bureau of Labor Statistics (BLS), computer systems analysts could experience 21% employment growth from 2014-2024 (www.bls.gov ). During the same time period, the BLS states that employment for database administrators could grow 11% and network and computer systems administrators 8%. In May 2015, the BLS indicated that computer systems analysts earned a median annual salary of $85,800, database administrators $81,710 and network and computer systems administrators $77,810.

Obtaining a B.S. in Industrial Technology prepares individuals for positions in business and industry. Individuals with this degree may find jobs as:

  • Safety managers
  • Engineering technicians
  • Quality control engineers
  • Industrial engineers
  • Drafters

According to the BLS, mechanical engineering technicians could realize slower-than-average 2% employment growth rate during the 2014-2024 decade, while opportunities for drafters could decline by 3%. The BLS goes on to report that the median annual salary for mechanical engineering technicians is $53,910 as of May 2015. Salaries for drafters could vary depending on the type of work; for instance, mechanical drafters earned a median annual salary of $53,520 and architectural and civil drafters $50,710.

After obtaining a B.S. in Medical Technology, as well as licensure, an individual is prepared for careers in medical research facilities and hospital laboratories. Individuals can find positions as clinical laboratory technologists. According to the BLS, clinical laboratory technologists earned a median annual salary of $60,520 in 2015. Employment growth for these workers is expected to be 14% between 2014 and 2024.

Students looking for a bachelor’s degree program in technology can choose between information, industrial, and medical technology. In addition to in-class courses, students in each of these programs will complete hands-on learning through labs and clinical experiences, along with internship possibilities.

Next: View Schools

In this year’s Almanac of Higher Education, The Chronicle explores the rapidly expanding use of technology on college campuses.

Packing classrooms full of the latest technology has become one of the hottest trends in education across the country. It seems.

Computers, smart phones and other gadgets are ubiquitous in our lives. Ever-easier to carry around with us, it’s a rare moment.

Master’s degrees in computer technology or computer engineering teach students about the systems and workings of computers as.

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Dragons – Den – s most successful businesses: Starting a business advice and business

#most successful businesses


Dragons Den s most successful businesses

It’s now over 10 years since the first episode of Dragons’ Den aired on British TV screens and in that time we’ve seen some brilliant, and not so brilliant, businesses pass through the Den.

While many of the start-ups which have appeared on the BBC show have since floundered or failed to gain traction, a number have gone on to achieve huge success – with and without the Dragons’ backing.

Action point: Need a loan to start a business of your own? See how we can help here and here

Now, with the 14th series returning in three weeks time, and to mark over 10 years of the show, we’ve delved into the Den archives to find out what has happened to 15 of the brightest businesses to have pitched to the Dragons and where they are now.

From the infamous Levi Roots to the £65m-valued Tangle Teezer dubbed “hair-brained” by Peter Jones, read on to find out just what happened once the Den’s cameras stopped rolling…


Forum post of the week

Want to run a more profitable business?

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What s the Better Buy: a Consumer or a Business Laptop? #small #business #owners

#business laptops


What s the Better Buy: a Consumer or a Business Laptop?

Laptop makers such as Dell, HP, and Lenovo carefully label and target their laptops for either “business users” or “home users,” which implies that they’ve done their homework for you and selected the best models for your type of usage.

But even if you’ll be using the laptop in your living room rather than during board meetings, should you skip shopping in the business laptop department altogether? The answer is, well, it depends.

I compared similarly configured consumer and business laptop offerings from several major laptop vendors, and found several good reasons for home users to consider business laptops–including more configuration options and better warranties.

But it isn’t always a cut-and-dried decision. Here’s what you need to keep in mind when selecting your next laptop.

Six Reasons to Consider a Business Laptop

Lenovo’s ThinkPad T420 business laptop. Better durability and build quality: Business laptops are designed to take a beating, literally in some cases. Lenovo’s ThinkPad line of business laptops are military-spec-tested to endure heat, humidity, pressure, shock, and other extremes so that the laptops can survive anything business travelers and outdoor workers toss at them. (Seriously, Lenovo testers even throw laptops out of airplanes .)

The company’s IdeaPad consumer laptops don’t get that same extreme treatment, because regular laptop users supposedly don’t torture their laptops as much.

Even if you don’t plan on working in severe conditions, a business laptop’s more rugged design may help you get more long-lasting value out of your laptop, thanks to the use of premium materials. The HP ProBook 4530s laptop for professionals, for example, might look quite similar to the silver HP Pavilion dv6t in the consumer line, but the ProBook 4530s is constructed of “high-strength precision-formed aluminum” while the dv6 simply has a metallic finish. The ProBook’s aluminum is deeply anodized to be scratch-, smudge-, and wear-resistant.

The Asus U36S, a high-end consumer laptop. However, high-end materials have started to show up in premium consumer ultraportable laptops, such as the Asus U36S. which has a magnesium-aluminum alloy cover. But business laptops generally are still constructed and tested to be tougher.

For instance, Asus reinforces its business-oriented B23E laptop with metal hinges and metal brackets to cushion the hard drive, and tests both the hinges and the panels beyond consumer standards. Here’s some information on how Asus tests .

And the Dell E6520 not only has a spill-resistant keyboard (a protective seal guards against everyday spills), it also comes with a 360-degree bumper around the LCD panel, and even its latch is made of a zinc alloy for durability.

More build-to-order options: You’ll find many preconfigured laptop models to choose from in the home/consumer site of any major laptop manufacturer, but if you want to fine-tune a laptop’s specifications to a greater extent, head to the business side.

For example, with the entertainment-focused Lenovo IdeaPad Y470. you can select from consumer models with Intel Core i3, i5, or i7 processors and different memory and hard-drive capacities. But your customization options for those models are limited to adding on more years to the warranty or selecting laptop accessories.

Select the business-oriented Lenovo ThinkPad T420 model, on the other hand, and you can opt for a higher-resolution display, swap in a discrete graphics card, upgrade the hard drive, add a fingerprint reader, and much more–at additional cost, of course.

Longer warranties and better support: If you want more protection for your laptop, business laptop warranties typically trump consumer ones. The Toshiba, Dell, and Asus business laptops I looked at, for example, came with standard three-year warranties, versus a one-year warranty on the consumer models.

The ThinkPad was configurable for up to a four-year warranty, while the IdeaPad warranty only went up to three years. Each year of additional protection and support is worth between $50 and $100 dollars, and gives you more peace of mind should your laptop break down beyond a one-year period.

Priority service is also sometimes available to owners of business laptops, whether or not you use it for business purposes. HP EliteBook buyers, for example, will soon be getting their own dedicated tech support person to talk to.

Additional security built in: Because lost business laptops are a huge liability and concern for business owners and IT departments, security features that consumer laptops don’t get are practically standard here. All of the business laptops I looked at offer at least the option to add a fingerprint reader, and many come with TPM (Trusted Platform Module) Embedded Security chips to encrypt your laptop’s data. HP touts its own suite of security tools (“ProtectTools”) that promises to wipe your drive remotely, shred files, check credentials on boot-up, and more.

More expansion and connectivity options: Want to quickly plug in or unplug your laptop from an external monitor and the many peripherals you own? A business laptop is more likely to have a matching docking station or port replicator, perhaps because business users are more likely to want a setup both at the office and at home, or because they need quick connectivity if they travel often.

Matte screens: Finally, consumer laptops tend to come with glossy displays that may show vibrant colors but also are subject to terrible glare. Business laptops generally have antiglare displays or at least antiglare options. These screens are easier on the eyes, easier to view outdoors, and have better viewing angles.

Next: Four Reasons to Buy a Consumer Laptop

What s the Better Buy: a Consumer or a.

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Britain s Top 100 entrepreneurs #buy #a #business

#top entrepreneurs


Britain’s Top 100 Entrepreneurs 2015

This year’s top spot on our list goes to Simon and Bobby Arora, who’ve built their bargain homewares chain B M into a billion pound success story. They are joined by entrepreneurs in everything from aviation and drinks to soft toys and software.

If Britain is to continue to prosper amid the spreading shockwaves of the great China economic slowdown, it’s going to need all the help it can get from its energetic army of entrepreneurs. Happily our 10th MT survey of Britain’s Top 100 Entrepreneurs and family businesses shows that in the last five years, from the depth of the downturn until last year, the nation’s self-made businessmen and women have been performing heroically, growing their operations, taking on staff and generating much-needed cash for both their local economies and the country.

So our Top 100 have seen staff numbers shoot up by nearly 85,000 in the last five years to over 164,000. This near-107% rise is much sharper than in previous years, justifying the view that our best entrepreneurs are the economy’s real job creators. And job creation is one of the crucial measures we use in ranking our Top 100.

The other of course is turnover growth, reflecting the economic activity they generate. This year our 100 entrepreneurs had a total turnover of 26.35bn, up from 12.898bn five years ago.

This represents a 104.3% increase – great news for UK plc, but perhaps a note of caution should come here. This is the first time since we started doing the Top 100 that the overall growth in employment has been greater than the comparable growth figure for turnover. It may help explain why the British productivity record has been so lamentable in recent years, with an 18% lag behind our competitors. Quite simply the entrepreneurs collectively are not getting as much out of each staff member in output terms.

But behind the macroeconomic numbers are some pretty impressive individual performances, none more so than this year’s number one – the Arora brothers (pictured) of discount homewares chain B M. Simon, the Cambridge-educated ex-McKinsey man, and his younger brother Bobby, who has a market trader’s nose for a bargain and pricing, have in the last decade built up a group that is now the envy of the discount retail world, valued by the stock market at around 3.2bn. More importantly for UK plc, in the last five years, B M’s remorseless expansion has seen its staff numbers jump by over 200% to 19,462. That must be a welcome boost in its Merseyside heartland where it has its headquarters.

This is matched by their track record in growing sales, up by 206% in the same period. But they are not alone in this respect. Our joint second place entries, 32-year-old Nitin Passi of the Missguided online fashion group and the Coates siblings – Denise and John – through their Bet365 online gaming operation, are just as effective when it comes to expansion. Passi has invested in a new headquarters in Manchester which, with all the trappings of an internet operation, is regarded as the coolest in the city. He reckons it will motivate his growing staff to make Missguided a 1bn business in five years. Few would bet against him, or the nine others from Britain’s thriving Asian business community who make our list.

Excellent progress this may be, but sadly we can’t say the same about the number of female entrepreneurs in the Top 100. There are 17 women listed, but only two, including Denise Coates of course, make the top 20. Last year’s celebrity winner, fashion entrepreneur Victoria Beckham. has not produced any new accounts and so cannot be considered this time around.

There are of course some fabulous women entrepreneurs who have developed businesses of the scale to make it into the Top 100, including Chrissie Rucker of the White Company, Margaret Barbour and Vivienne Westwood. But despite having trawled Companies House for the accounts that provide the underpinning of our research, there are just not enough. Perhaps this is a deficiency which the current crop of twentysomething female entrepreneurs like Kathryn Parsons of Decoded and Smruti Sriram of Supreme Creations will address in future lists – after all, the wealth which is one of our core criteria typically takes many years to accrue.

In the meantime, the aforementioned Bet365 founder and co-CEO Denise Coates is our highest placed woman and flies the flag ably for women in business. A bookie’s daughter, she certainly knows a good bet when she sees one. Coates has masterminded a near doubling of profits to over 400m in the Stoke-based firm’s latest accounts. And her business acumen extends to looking after her employees, too – she plans to turn what’s left of Josiah Wedgwood’s famous Etruria Works into a children’s day nursery, a facility bound to be welcomed by the firm’s working parents.

The north-south divide may be ever-present, but encouragingly there are a fair crop of regional entrepreneurs working to close it. The South West has 14, the North West 13 and Yorkshire 12.

But the South East still remains top, with 33 names. Encouragingly for the government’s efforts to re-balance British business towards manufacturing, the march of the Top 100 makers is going at full tilt. Thirteen of the Top 100 are industrialists of one sort or another, with another 21 in high-tech sectors like the internet, software, telecoms and computing. They include Sir James Dyson of the ubiquitous bagless vacuum, whose firm is rapidly moving into new markets. Smaller but growing steadily are the likes of Melett, built up by Ian and Nicola Warhurst, which makes turbocharger repair kits for cars, and exports 90% of its output, with a growing market in China.

One of our measures of how well our entrepreneurs are doing comes from a valuation of their stake in the business and other assets, based on the stock market values if quoted or in line with those values for those who run a private company. Such valuations, of course, come with many caveats but serve as a rough and ready guide. Collectively the Top 100 are, by our reckoning, worth 24.5bn, a whisker below last year’s 25bn total.

This may reflect the general fragility of markets worldwide at present. But the one fact that unites all our 100 is their demonstrable record of success. They are the best hope for Britain to enjoy a sustained recovery with more jobs – and more prosperity – to come.

Find The Complete List Here

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Music from 1866-1899 #freelyrics, #lyricweb, #d. #ross, #john #clarke-whitfeld, #j. #chadwick, #thomas #moore, #james


Music from 1866-1899

Mother, Oh! Sing Me to Rest (Op. 10, No. 3) (No. 12 from 2nd Series — Flower of Germany: A Collection of Popular Songs with English & German Words )

[original German words by] Robert Franz (Knauth), 1815-1892; English words by Dr. William J. Wetmore

Musical Hash on Old Tunes: Medley for the Piano, Book 1

  1. Bonnie Doon,
  2. What is Home Without a Mother,
  3. Maryland My Maryland,
  4. Pop Goes the Weasel,
  5. Hand Organ Polka,
  6. Bold Soldier [Soger] Boy,
  7. Oh Susanna,
  8. America,
  9. Rejoice,
  10. Rainer Family March,
  11. Stop Dat Knocking,
  12. Ben Bolt,
  13. Old Rosin the Beau,
  14. The Fairy Boy,
  15. Auld Lang Syne,
  16. Come O Come With Me,
  17. Come With the Gypsy Bride,
  18. Flow Gently Sweet Afron,
  19. Sing Darkies Sing,
  20. Lucy Long,
  21. There Is a Happy Land,
  22. [and] Life Let Us Cherish

various; Arranged by Edward Mack. 1826-1882

One Good Term Deserves Another (Song and Chorus)

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Business Review – Romania – s Premiere Business Weekly #business #advisor

#business reviews


Featured September 03, 2016 10:20 0 comments BR Exclusive

Each September brings to Bucharest the magic of national composer George Enescu, this year through the contest for young musicians setting out on their path to greatness. Some 174 were chosen to participate in this year’s George Enescu International Competition (biennial since 2014), the only Romanian classical music competition with international recognition, which will be [ ]more

Business Review will present each week the articles that got most views online. Here are the pieces that got most…more

Paweł Tyszkiewicz, chairman of Polish Effie Committee CEO Polish Marketing Communications Association SAR, will chair the jury comprising 90…more

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Comstock s magazine – Business insight for California s Capital Region #business #investment

#sacramento business journal



Get Social

In The Penalty

Dominik Jakubek, one of two goalkeepers for Sacramento Republic FC, makes a diving save on a shot during practice at Bonney Field. Jakubek joined the franchise as an original member in 2014. He was 34 years old when he was signed.

Sep 2, 2016 Sena Christian

From Corporate Jobs to Brewery Owners

Proprietors of Big Stump Brewing Company juggle traditional careers with new venture

The phrase “typical day” is not one Larissa Meltz and Alex Larrabee have uttered recently and, as they get closer to their expected Labor Day weekend opening of Big Stump Brewing Company at 1716 L St. in Midtown Sacramento, their schedules will likely only get busier.

Sep 2, 2016 Jennifer Snyder

SacAnime and the Rise of the Pop-Culture Convention

Biannual Sacramento anime event takes place Sept. 2-4

While pop-culture conventions may be all the rage these days, that hasn’t always been the case.

Sep 1, 2016 Willie Clark

Buzzwords: Hardball

To be uncompromising in your methods or dealings, especially in business of politics

So while the word — and the practice — might make you roll your eyes, playing hardball can be useful and even necessary when the stakes are high. But please, use sparingly both verbally and in action.

Sep 1, 2016 Robin Epley

Trending on Twitter

Sightings Happenings Around Town

Volunteer with Unseen Heroes

Net Numbers

Raised for Glory

Poll: Are Your Bosses Expectations Too High?

Farm to Fan

Youth Sports Should be a Kid’s Game

Dilemma of the Month: Unrealistic Performance Goals

Why Connecting with Strangers on Social Media May Not be Smart

Farm-to-Fork Offers Veggie-Studded Lineup

Knock it Off

Game Face

Healthy Competition Builds A Gold-Medal Team

Artists to Take Center Stage at Sacramento Mural Festival

Sacramento to Host California Craft Beer Summit

Buzzword: Placemaking

How Oak Park Promise Vows to Improve the Neighborhood

Encounters with Keepers at the Sacramento Zoo

Rise Up Belize! Aspires to Help Children

Vacation Like a Freelance Boss

Republic FC Relies on Fan Feedback for Stadium Plans

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Business Email from Yahoo – s Aabaco Small Business #business #first

#business email


Yahoo Mail for business you will love!

Keep it all together: See all your mailboxes on the same screen – Yahoo personal, Yahoo business, and Gmail, Outlook and others too.

Stress-free mail management: Add new mailboxes when you grow or transfer mailboxes easily in response to staff changes and reassignments.

Designed for business use: Alias management, document handling, analytics, multiple calendars, rich contact displays and more.

Secure: Yahoo Mail is 100% encrypted by default and protected with 2,048 bit certificates. This encryption extends to your emails, attachments, contacts, as well as Calendar and Messenger in Mail.

No hidden storage fees: With 1TB of free space (that’s 1000 GB!), you’ll never have to worry about deleting emails to save space.

Easy contact management: Our two-step import feature allows you to add contacts from your Facebook account or other email providers like Gmail or Outlook, making it simple to switch email accounts.

* With a purchase of 5 mailboxes | Billed Annually
** The domain is free provided you maintain an active Business Mail subscription.

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Five Investing Pitfalls To Avoid, According to Investor s Business Daily #business #applications

#investor business daily


Five Investing Pitfalls To Avoid, According to Investor s Business Daily

Big stock market winners look a lot alike — they have strong earnings and sales growth, a dynamic new product or service, leading price performance and rising mutual fund ownership. Interestingly, successful investors share similar traits.

Top investors always keep their losses small; they never average down in price; they don’t immediately shun a stock because it has a high price-earnings ratio (P/E Ratio); and finally, they pay attention to the general health of the market when they buy and sell stocks.

Yet, at the same time, many investors still operate using unsound principles. Successful investors learn to avoid the common pitfalls, and follow these insights that can put you well on your way to becoming a better investor.

Buying Low-Priced Stocks
What sounds better? Buying 1,000 shares of a $1 stock or buying 20 shares of a $50 stock? Most people would probably say the former because it seems like a bargain, with more opportunity for big increases from owning more shares. But the money you make in a stock isn’t based on how many shares you own. It’s based on the amount of money invested.

Many investors have a love affair with cheap stocks, but low-priced stocks are generally missing a key ingredient of past stock market winners: institutional sponsorship.

A stock can’t make big gains without the buying power of mutual funds, banks, insurance companies and other deep-pocketed investors fueling their price moves. It’s not retail trades of 100, 200 or 300 shares that cause a stock to surge higher in price, it’s big institutional block share trades of 10,000, 20,000 or more that cause these great jumps in price when they buy — as well as great price drops when they sell.

Institutional investors account for about 70% of the trading volume each day on the exchanges, so it’s a good idea to fish in the same pond as they do. Stocks priced at $1, $2 or $3 a share are not on the radar screens of institutional investors. Many of these stocks are thinly traded so it’s hard for mutual funds to buy and sell big volume shares.

Remember: Cheap stocks are cheap for a reason. Stocks sell for what they’re worth. In many cases, investors that try to grab stocks on the cheap don’t realize that they’re buying a company mired in problems with no institutional sponsorship, slowing earnings and sales growth and shrinking market share. These are bad traits for a stock to have. Institutions have research teams that seek out great opportunities, and because they buy in huge quantities over time, consider piggybacking their choices if you find these fund managers have better-than-average performance.

The reality is that your prospect of doubling your money in a $1 stock sure sounds good, but your chances are better of winning the lottery. Focus on institutional quality stocks.

Avoiding Stocks With High P/E Ratios
“Focus on stocks with low P/E ratios. They’re attractively valued and there’s a lot of upside.” How many times have you heard this statement from investment pros?

While it’s true that stocks with low P/E ratios can go higher, investors often misuse this valuation metric. Leaders in an industry group often trade at a higher premium than their peers for a simple reason: They’re expanding their market share faster because of outstanding earnings and sales growth prospects.

Stocks on your watch list should have the traits of past big stock market winners we mentioned earlier: leading price performance in their industry group, top-notch earnings and sales growth and rising fund ownership, to name a few. A dynamic new product or service doesn’t hurt either.

Stocks with “high” P/E ratios share a common trait: their performance shows there’s plenty of bullishness about the company’s future prospects. For example: In Aug 2003, stun-gun maker Taser International had a P/E of 44 before a 900% increase. At the time, the market was bullish about the firm’s earnings and sales growth prospects. The market turned out to be right. For five straight quarters, Taser has posted triple-digit earnings and sales gains.

More great examples come from the medical, retail, and oil and gas sector, which were all strong performers in the 2003-2004 period. The table below shows leading stocks in the sectors that staged big price runs from seemingly high P/E ratios. In every case, it was explosive fundamentals that drove their stock price.

At end-Oct 2004, the average P/E Ratio of stocks in the S P 500 Index was around 17.

Letting Small Losses Turn Into Big Ones
Insurance policies help us minimize risk when it comes to our health, home or car. In the stock market, most people don’t even think about buying insurance policies with individual stocks but it’s a good practice.

Cut your losses in any stock at 7% or 8% and you’ll never get hit with a big loss. This is your insurance policy. If you buy stocks at the right time, they should never fall 7-8% below your purchase price.

A small loss in a stock can easily be overcome. It’s the big ones that can do serious damage to a portfolio. Take a 50% loss on a stock, and it would need to rise 100% to get back to break-even. But if you cut your losses at 7% or 8%, a single 25% gain can wipe out three 7%-8% losses.

Here’s a set of hypothetical trades to illustrate the point. Even if you had made these seven trades over a period of time – and taken losses on five of them – you would still come out ahead by more than $3,700. That’s because the two stocks that worked out resulted in a combined profit of $5,500. And the five losses – all capped at 7% or 8% – added up to $1,569.

The rationale for that 7% Sell Rule was never clearer than in the bear market that began in Mar 2000. It caused unnecessary, severe damage to many investors’ portfolios. Small losses in tech stocks snowballed into huge ones. Some stocks lost 70%-80% or more of their value. Some will never reclaim their old highs. Others may, but it’ll be a long road back. All successful investors share one trait: they firmly recognize the importance of protecting hard-earned capital by selling fast when a stock declines 7% or 8% from where they bought it.

If a stock you own starts to fall on expanding trading volume, it’s usually better to sell first and ask questions later, rather than the other way around. Keep losses small to avoid severe damage. You can always re-enter the game if you’ve only lost 7%. Don’t ever look back after a smart sell, even if the stock rebounds. You have no way of knowing its future, so you are best off reacting to what your stock is telling you right now. Learning this trait is hard — but it will save you a great deal in the long run.

Averaging Down
Averaging down means you’re buying stock as the price falls in the hopes of getting a bargain. It’s also known as throwing good money after bad or trying to catch a falling knife. Either way, trying to lower your average cost in a stock is another risky proposition.

For example, take Amazon.com between June and Oct of 2004. Its chart revealed much institutional selling by mutual funds and other big investors.

In June, it was a $54 stock. In July, it was a $45 stock. Investors who bought in at $45 may have thought they were getting a bargain, but they weren’t paying attention to multiple heavy-volume declines in the stock. What’s the sense of buying a stock when mutual funds and other big investors are selling big blocks of shares? That’s a tough tide to swim against.

When Amazon released its earnings on Oct 21, it fell another 10% to around $37. In general, stock charts tell bullish or bearish stories long before headlines do. In Amazon’s case, heavy volume declines between July 8 to 23 told a bearish story.

Buying Stocks In A Down Market
Some investors don’t pay any attention to the current state of the market when they buy stocks. And that’s a mistake.

The goal is to buy stocks when the major indexes are showing signs of accumulation (buying: heavy volume price increases) and to sell when they’re showing signs of distribution (selling: heavy volume price declines). Three-fourths of all stocks follow the market’s trend, so watch it each day, and don’t go against the trend. It’s not hard to tell when the indexes start to show signs of duress.

Distribution days will start to crop up in the market where the indexes close lower on heavier volume than the day before. In this case, a strong market opening will fizzle into weak closes. And leading stocks in the market’s leading industry groups will start to sell off on heavy volume. This is exactly what happened at the start of the bear market in Mar 2000.

When you’re buying stocks, make sure you’re swimming with the market tide, not against it.

CAN SLIM™ and the IBD Way
If you are a reader of Investor’s Business Daily (IBD) or any other of William O’Neil’s writings, you may have noticed that these five pitfalls compliment the CAN SLIM methodology of stock selection. By avoiding low-priced stocks, looking beyond the P/E, implementing a stop-loss plan, not averaging down and monitoring the overall market, you’ll be well on your way to a sound investing strategy based on years of studies and research from IBD.

For more on CAN SLIM, see Finding The Magic Mix Of Fundamentals And Technicals or Guide To Stock-Picking Strategies .

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