Your Master Plan – know everything about business
By financen | November 27, 2013 - 4:43 pm - Posted in Business

JOhN Ferraro E&Y is the COO who has a passion for education. Make sure you check out his 15-month program called “Your Master Plan”. It can teach you anything you want to know about business.

This program will also get your foot in the door at many successful companies. It is held at the University of Notre Dame and the University of Virginia. Ask John anything about the program. He will tell you that it is one of the best in the world and you can earn a Masters of Accountancy. If you have the same burning passion for business, but don’t have many accounting classes, you will enjoy it a lot.

business

business

John is a graduate of Marquette University. This school has some of the smartest and brightest minds to date. You will learn many topics for getting your business recognized. Creating new products can help to keep you ahead of the competition. Focusing too much on marketing could lead to a large hazard in moving your company in the right direction. Try to balance it out as much as possible to get the most benefits from the profits.

EY can teach you how to do this with focused advice. They can help you manage your budget without compromising in quality. Connecting with social media websites can really move your business in the right direction.

John has volunteered to help with oil and gas industries. This gave him first-hand experience in the field. He now works with customers to find a good way to handle this industry. It can become very difficult to drill at the right places and make profit from it. Gas prices are constantly changing at every gas station. Consumers are finding it very annoying and want it to stabilize a little better. You will learn how to manage risks in a much nicer way. There is a good chance that you are taking risks that you do not need to.

The economy is still recovering from a dramatic recession. Jobs are being created all over the world and people are finally getting back to work. After being jobless for many years, they find it difficult to get back into the routine. If you own a company, you need to find a way to keep your employees happy.

Organizing your tax strategy can help in a tremendous way to balance everything out. You need to find a way to keep up with every other business. Getting tax credits can move your company in the right way. This will open up many financial doors and allow you to continue making quality products. Money can seem tight at certain parts of the year. With tax help, it will no longer pose a threat to the success of your company. The more business you do, the better it is for your tax report.

John is the global chief operating officer. This is just one step below the CEO of the company. He is a very important person and gets the job done for his clients. He has visited many other countries and knows how to handle business in one of the best ways possible. If you have been looking for that change, do not hesitate to call on the company. They will make sure your business brings in new customers, while keeping the old ones around.

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Questions to ask to an Charlotte insurance agent
By financen | November 22, 2013 - 1:48 pm - Posted in Insurance

When it comes to shopping for auto insurance, you will first and foremost want to give yourself plenty of time to window shop. Jumping on board with the first policy that comes up can result in missed opportunities for a better policy, better coverage, and better prices. Patience is a necessity, and you’ll want to set aside a bit of time to research what you really need from your auto insurance policy. An older, high mileage vehicle that isn’t used much may benefit you in terms of choosing a policy that is low in cost due to not providing a lot of coverage; whereas if you are driving a newer vehicle or transporting your family, it can certainly benefit you to choose a pricier comprehensive policy.

Charlotte insurance

Charlotte insurance

How do you know which policy suits you best? Consider speaking with a Charlotte insurance agent, particularly if you’re looking for a bundled insurance policy package that covers you, your home, and your vehicle. A local insurance agent can provide you with information on policies and potential discounts that you may not be able to find yourself. And as an added bonus, working directly with an insurance agent often means having just one person to get in touch with regarding policy questions and claims.

When you do contact an insurance agent, here are some questions to ask and things to keep in mind:

Does your insurance agent work in your local area, or does he or she cover a broader area? When it comes to selecting the ideal coverage for your properties and yourself, getting as close to home as possible in terms of a local insurance agent is ideal.

When it comes to filing claims or having concerns about your policy, can you contact your insurance agent directly? Ideal you should be able to utilize your insurance agent as a point of contact for all questions and issues related to your policy.

Are bundled insurance policies available? Many leading insurers offer complete coverage for you (life), your property (homeowner’s insurance), and your vehicle (auto insurance), and not only is this convenient in terms of consolidating paperwork and bills, but it can often save you money, too.

When you do settle on an insurance agent to work with, be sure to ask for any and all possible discounts. Small discounts can add up, especially over a long period of time.

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Fed Likely To Maintain Forward Guidance This Week
By financen | November 19, 2013 - 5:57 pm - Posted in Personal Finance

We’re likely to see some signals this week from the Federal Reserve on where their economic stimulus program is going. Ben Bernanke is booked to speak at the National Economists’ Club in Washington on November 19, and Charles Evans – the Chicago Fed President – is up to bat at the Midwest Bank Leaders Conference on the same day. Soon we will have confirmation of what they said, but it is probably a foregone conclusion – they are unlikely to begin to taper quantitative easing before the end of March, 2014.

chicago-fed

chicago-fed

If you remember, there were rumblings out of the Fed a few months ago about starting to reduce the $85,000,000,000 – yes, that is a lot of zeros – that they are currently pumping into the U.S. economy each month through asset purchases. This led to turmoil in the market at the time, which turned out to be unwarranted given that the Fed didn’t actually take any action after signaling that it might. In some ways, the Fed shot itself in the foot over this one, and at the very least it was a major communications blunder. Let’s hope that what they come out with this week will prove to be more reliable.

There are also some hints that they may lower their threshold guidance for unemployment. Basically, this is the line in the sand that influences when they will start to pull back on economic stimulus, and even start to think about raising interest rates. The threshold stands at 6.5%, and rumors are flying that it could come down to 5.5%. If so, that would indicate that the Fed is determined to promote a very robust U.S. recovery – by comparison, the Bank of England’s Governor, Mark Carney, has pegged the equivalent unemployment target in the UK at 7%. However, it is worth noting that the BOE is only charged with keeping inflation in check, whereas the Fed is mandated to address both inflation and unemployment – and therefore is likely to set more aggressive unemployment targets.

Of course, US savers will be tearing their hair out when they hear this news. Considering that today’s average CD rate is somewhat below 1%, the environment for savers at the moment is pretty grim. Quantitative easing was introduced as a last resort when the Fed had already dropped interest rates to basement levels in an attempt to prevent economic collapse in the aftermath of the 2008 financial crisis. Therefore, until quantitative easing tapers, there is little likelihood that interest rates are going to go up.

Fed

Fed

There is also a good chance that the U.S. dollar is going to come under pressure when the Fed makes its mind known. Up until recently, the market had expected tapering to begin in December, and pushing it out three months is likely to cause bullish positions in the greenback to start to unwind. In fact, long positions are looking particularly stretched at the moment, suggesting that the trend could be fairly pronounced – at least for the short-term.

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Brief notes about Payday Loans
By financen | - 4:24 pm - Posted in Cash advance, Payday Loan

Millions of people worldwide are taking payday loans regularly. This type of loan is also known as a cash advance or check loan. It must be repaid in full on the borrower’s next payday. When you apply for one, it’s recommended to borrow just enough to get through to your next payday. Most lenders offer up to $1,500 to those who apply for a cash advance. Some allow customers to choose the repayment period. Payday loans are easy to obtain and can be used for any purpose. With other types of loans, this is not the case.

Payday Loans

Payday Loans

  • How Do Payday Loans Work?

This kind of loan is designed to be taken out over a short period of time. Its cost can range from $10 to $30 for every $100 borrowed. Cash advances are ideal for those who need to pay an urgent unexpected bill. You can also use the money for fixing your car, decorating your home, or buying something nice. Even those with bad credit can apply for payday loans. It is common for people who don’t have access to savings accounts or credit cards to use these types of loans. The average repayment term is about two weeks.

Cash advances are not intended as a form of long term borrowing. The requirements for taking out a loan are quite basic. All you need is a steady source of income, a bank account in a relatively good standing, and a government issued photo ID. Customers can apply for payday loans online or in-store. Most lenders offer cash advances through their websites. Applying for a loan takes only a few minutes. If your application is approved, you will receive your money within 24 hours.

  • Benefits of Payday Loans

Payday loans have become increasingly more popular in the past few years. They are fast and convenient. Applying for a traditional loan could often end up taking weeks. A cash advance can be obtained within one day. Most lenders, including USACashServices.com, will approve your application in just a few hours. This company has been in business since 1995. In addition to payday loans, they offer title loans, installment loans, debit cards, and tax preparation services.

Almost anyone can get a cash advance. Just make sure you pay back the loan before the due date. This can help improve your credit rating. There are no penalties for borrowers who pay off their loans ahead of time. This kind of loan is a quick and easy way to get the money you need in case of an emergency.

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Six Tips Every Corporation Should Adopt To Avoid Workman’s Comp Issues
By financen | November 8, 2013 - 6:19 pm - Posted in Business

Workers’ compensation is a costly but necessary component for conducting business in the U. S. Failure to adhere to these stringent regulations can be the difference between life and death for any successful business in the country. In order to avoid being shutdown, being hit with hefty fines or suffering throughout recurring incidents, there are six tips that every employer should be aware of in regards to workers’ comp.

Workman Compens

Workman Compens

Workers’ comp tip #1: Report all incidents

It’s vital to get a record of every incident when possible. This is the most effective way to safeguard the businesses from small situations compounding into significant problems. It’s imperative to keep a comprehensive record of everyone’s attendance, time on and off the clock, sick time and any workplace accidents as well.

Workers’ comp tip #2: Communicate with medical staff

Keeping comprehensive records makes it much easier to communicate effectively with medical staff and your insurers. It’s important that employers understand where employees need to go in case of emergencies or nonemergency incidents. Otherwise, employees may go to a clinic or practitioner that is no covered by your workers’ comp.

Workers’ comp tip #3: Communicate with your attorneys

Owners and managers need to understand, the more informed the attorneys are, the better protected the business will be. When legal counsel is already aware and up-to-date regarding the latest developments, it’s easier to get ahead of potential snares before they ensue. Having legal counsel on call is essential for protecting the enterprise’s interests against ambulance chasers when an incident does arise.

Workers’ comp tip #4: Never cheat the system

Never cheat the system and remain wary of employees that may be potential malingers, attempting to cheat the system and drive up workers’ comp costs. Workers’ comp is an employees’ just due, but there are limits that people are often tempted to take advantage of. Employees and employers alike could be subject to hefty fines and potential jail time if caught trying to circumvent the workers’ comp system.

Workers’ comp tip #5: Keep employees informed

Make sure that employees understand how workers’ comp plays out beforehand in order to avoid confusion or deceit when an incident does arise. Employees should understand the specific rules for the state that they are working in. Workers also need to understand the parameters in place, and that workers’ comp is not an absolute excuse.

Workers’ comp tip #6: Enforce the rules

One of the most common reason for incidents occurring on the job is a slack workplace. It’s important to ensure that employees are always sober and following the rules at all times. Without high standards, it’s easy for newer and more experienced employees alike to fall into bad habits when management is not directly supervising.

Working closely with insurers, human resources and legal counsel is one of the best ways to avoid any serious trouble arising from workers’ comp claims or accidents on the workplace. These professionals are in the best position to keep ownership and management abreast on the most recent developments that may affect their particular business’ interests. Once administration is all on the same page, it’s easier to design and implement procedures that adhere to worker’s comp regulations and put the business in the best position to safeguard its self from extraneous litigation.

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5 Strategies to Get YOUR Economy Moving!
By financen | November 2, 2013 - 6:22 pm - Posted in Economy

Face it; this economy is not down, what it is changed, radically different and it is never going back to the way things were. There I said it, times have changed, and if you want to succeed, you need to change with them. If you are passionate about what you do, passionate about whom you serve, and passionate about the organization for which you work, then this is your economy! So, what do you need to do to get your economy moving, to get things back on track and pointing in a positive direction? Well here are the top five strategies today’s successful businesses are putting into place to position their organizations for business and sales success.

Economy

Economy

Embrace Reality – Wouldn’t it be great  if someone would ride in on a white horse, or wave a magic wand, or click their heels three times and this economy would get back on track. But in reality, let me be the first to say, “That ain’t gonna happen!”  No one else is going to fix this economy, because the truth is this economy can’t be fixed. Why? The reality is that it is not broken; it is changing.

Our society, our culture, is literally going through an economic shift — a transition so to speak. A transition that is bringing about extreme change, and with it a whole new way of doing business.  So if you want to succeed in this economy, your first step is to embrace your new reality. Understand that times are different, things have changed, and you need to learn the new rules. Every two months brainstorm with your team or your peers about what you observe changing with your customers, your industry, your competition and your employees. Embracing your reality positions you to take advantage of change rather than fall victim to it.

Focus on Values – Welcome to the age of integrity, and the economy where what you do is as important, if not more important, than what you say. As a professional, CEO or business owner, you need to know who you are and what you stand for in order to attract, retain and truly deepen client relationships.

Today’s consumers want and expect more. With so much competition, and so many choices your customers are looking for more than a great product, they are looking for a professional they can trust. People and companies they can build relationships with; to win in the trust and value economy you need to define your values and implement a values strategy.

Build Your Image – White noise! If you asked me why most marketing dollars are being wasted and advertising messages are getting lost I would have to say white noise. There is just too much of it out there these days, and consumers are overwhelmed with too much information. To succeed in this economy, you have to get above the fray, you have to stand out, and you have to be anything but white noise.

In the trust and value economy you cannot survive on only those customers you go out and get; you need customers coming to you. You need to invest in designing a strategy that pulls customers to you. One that builds and enhances your image and communicates your reputation, you can actually drive customers to you, piquing their interest to come calling on you rather than you always calling on them.

Invest In Relationships – We have all heard it said time and time again: relationships are the new currency. While this has always been true, it has never been truer than in this economy. The more people you know, the more people who know you, and the more people you help, the more successful you are going to be.

Success today takes time. Consumers are tired of getting hit with sales people worried about making goal and pushing to make a sale. They are looking for that professional or business owner who truly wants to invest in helping them become successful. If you want to win in the trust and value economy, then you need a relationship strategy: A system to consistently and proactively build relationships with your customers and prospects; relationships that build trust and add value.

Get Your Head Out Of The Sand – There is more going on in this economy than what is happening in your business. If all you had to worry about was your own daily challenges you would actually be in good shape. But the trust and value economy is offering far more challenges and opportunities outside of your business than inside your business.

Economy-progress

Economy-progress

To be successful today, you need to routinely get your head out of the sand and take a look around. Every three or four months, get together with your team or your peers and ask; What is happening in the world around you? What is changing with consumers? How is your industry responding and growing? What is happening politically? What societal trends could positively or negatively impact your business?

So, are you ready to win in the trust and value economy? Simply by adapting these strategies, and putting a little time, effort and consistency into your process, you will easily position your company and your team to Win in the Trust & Value Economy.

About the Author

Meridith Elliott Powell, author of the 2013 Global Professional Publishing title Winning in the Trust and Value Economy, is an internationally certified coach, speaker, and business development expert. Founder and owner of MotionFirst, she helps executives and business owners build cultures that make sales fun, easy and incredibly productive. An award-winning business owner, Meridith’s unique background includes high-level leadership and executive positions in sales, marketing and finance. Her signature style and her ability to rapidly connect with people make her a sought-after speaker, coach and strategist. Honors include the Athena Leadership Award, inclusion in Verve Magazine’s “Top 20 Professional Women to Watch” (2010) and selection as “Best Business Coach” by the WNC Business Journal in 2008. She also just signed on with a major online radio network to host her own weekly show starting in June.

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