Small businesses owners often find that there are certain times of the year when cash flow is not as healthy as it could be. This could be due to the fact that the business has seasonal customers, money being spent wastefully or through outmoded business practices. Regardless of the reason as to why money is being lost one thing is for certain good business owners and managers are all looking for a way to save the business money.
One way to save money in a small business is to implement small business management software. Software such as this enables a business with less than 50 employees to be operated via one software application. By being able to switch to one application a small business owner can save thousands every year as all other applications that require a monthly or annual fee to be discontinued.
As soon as they see just what small business management software can do many business owners and managers are keen to start using it. Not only can small business management software save a business money in terms of slashing the number of applications a business has to pay for it also saves money in other ways such as:
Increasing the number of leads that are converted into sales with ease. When using small business management software an employee can create a quote and save this to a customers file. This will contain their contact details and other relevant information. If this quote is not accepted within a certain period of time, this lead can then be chased up by the sales department.
By ensuring that projects are always completed on time a business will not lose customers. With small business management software projects can be assigned and tracked in real time. Managers and owners can quickly and easily check on projects that are nearing their due date in order to ensure that they are progressing as they should be. By utilizing this feature projects should never be behind schedule ever again, which means that money will be saved in the long run through customer retention.
Small business management software also allows employee calendars to be seen by owners and managers at a glance. This means that projects and so on can be planned with regard to staffing numbers. Money is therefore saved by ensuring that all employees are working to capacity and not being diverted to projects which are already fully subscribed.
As small business management software is web based it means that it can be accessed from anywhere in the world that has an internet connection. So if a manager or owner is away from the office on business they can access the application and get any information that they need. This saves business money as laptops and mobile internet is not required when an owner or manager visits potential customers.
These are just a few of the ways in which small business management software can save a business money each month.
RNCOS, a leading market research firm, said in its new report -Egypt Banking Sector Analysis-, with the significantly low penetration and growing middle class segment, the total deposits at banks in Egypt are projected to grow at a CAGR of 14% from 2007-08 to 2010-11.
As per the report, banking penetration is quite low in Egypt and most of the Egyptians are still unbanked. This is evident from the fact that only 10% of Egyptians currently have a bank account, and only 4% had a debit card as on end of 2007. But the growing middle class population (due to increasing income) and rising awareness level is enabling this unbanked population to access banking services like bank deposits facility. Thus, prospects of the banking sector are reasonably bright as the emergence of middle class population will support the rising demand of banking services like saving and current account deposits and related services like payment cards.
But the most astonishing fact about the Egyptian banking industry is that it will remain unaffected by the ongoing economic meltdown. As per a Research Analyst at RNCOS, -We do not see any significant impact of global financial turmoil on the deposits as the Egyptian system is dominated by state-owned banks. Otherwise also, the system is enjoying a high-support environment, with the country’s authorities having historically demonstrated both their willingness and their ability to intervene and prevent a banking default by any of the Egyptian banks, irrespective of their size or relative importance to the system.-
-Egypt Banking Sector Analysis- provides a comprehensive research and prudent analysis on the banking industry of Egypt. This extensive research will help the clients to identify the market trends and evaluate the leading-edge opportunities critical to the success of the banking industry in the country. This study gives an overview on the various factors driving the banking industry, together with the forces that are blocking the growth of the industry.
This research supplements the past and current information on the Egyptian banking market with forecast on various important industry aspects, including population, consumer durables (television, refrigerators and washing machines), Internet penetration, mobile subscribers, passenger car registrations, banking deposits, loans with the possible sub-categories and net interest income.
RNCOS, incorporated in the year 2002, is an industry research firm. We are a team of industry experts who analyze data collected from credible sources. We provide industry insights and analysis that helps corporations to take timely and accurate business decision in today’s globally competitive environment.
For more information visit: Current Industry News:
Do you want to earn money online without spending a dime? Most likely you want. Dont you? Most people like you are making quite a good income with the best free survey sites without spending a dime. But it is true that you wont be able to make your full time income with free survey sites. However, best free survey sites will just give you a little extra cash in your pocket.
If you dont understand this concept, I bet you will get disappointments. Sometimes a few people make quite big cash with free survey sites. But what they hide is they make efforts to promote those survey companies and to get referrals. Well, if an average person joins at least 150 legitimate survey panels, then he can expect to earn a few hundred extra dollars every month in his pocket.
Now, I am going to talk about one of the best free survey sites that offer you to earn some real money online.
Cash Crate This is the one of the best free survey sites out there. Why is it best? First of all it is free-to-join and it allows members from more than 100 countries. The second thing about Cash Crate is it has lots of satisfied members that post their checks on Cash Crate wall. The 3rd good point is it has a forum to help its members.
So how will you earn money online without spending a dime with Cash Crate?
You have lots of options:
Take its surveys and get paid for it. The new and good feature of Cash Crate is its daily surveys. You will get a series of online paid surveys until you dont complete at least one survey.
Download software on your PC and get paid for it.
Take offers (both free and paid) and get paid for them.
Refer your friends to this site and get paid for it.
Overall, if you are still struggling to make your first online dollar, then I would suggest you to join this best free survey site.
The final word is it has years of reputations and thousands of satisfied members. But also, not all members are able to make money with Cash Crate. It happens because most of them dont take any surveys and offers. Thats why they dont make any money. The hard rule of life is if you do nothing, then you wont get anything.
Seeking professional help due to financial problems is a typical experience that most people have to face at least once in their lives. The most important thing when in financial trouble is to be able to recognize the signs and seek assistance from a professional to help get you out of financial danger. In a situation like this it requires you to take action to seek help in order to help yourself. It is also crucial to recognize that what is dangerous for one person may not be for another and may just be a bad month.
In Canada there are four financial signs to warn you that you may be in a financially dangerous spot. The first sign is if you have failed to make one or more payments on a mortgage or loan you may be in financial danger. Keep in mind one late payment over a course of a long period is not the same as repetitive failing to make payments. The second sign of financial danger is if your credit cards are constantly at their limit and unable to be used. The third sign is if you are paying bills by taking credit card cash advantages you may be in financial danger. This is a big one because by doing this you are allowing yourself to pay off debt with debt which just repeats the cycle. The fourth sign is if your creditors have passed your account to a collection agency or if you have received notice of legal action being taken. At that point you are experiencing financial danger and it is important that you are aware of this and take action to receive help.
It is in such a place like the one above where you need to decide to take action and either seek professional help or learn techniques to keep your bank balanced so that you are not missing payments. It is important to recognize that every situation is individualized, and being late on a payment is a lot different than already receiving a legal notice of action against you. Another thing to keep in mind is that sometimes things in life are beyond our control and you may not have a say in the way things happen. These can be things such as losing your job, experiencing a death or divorce.
Overall, financial problems come in many different shapes and sizes and it is important to be aware of your financial problems and face them square on so that it reduces the risk of having trouble later on.
Castilla-La Mancha currently exports products to 170 countries around the world
Spain, July 21, 2013 – The Minister of Employment and the Economy of the Government of Castilla-La Mancha, Carmen Home, highlighted the recent publication of the list of services the Institute of Foreign-affiliated to the Directorate General for Economic and European Affairs Strategy, with the aim of bringing the work carried this organization to help entrepreneurs in the region work in counseling, resources, activities, quality criteria or tools to promote exports.
Thus, the IPEX provides enterprises a wide range of tools designed to help them achieve success in their international expansion and personal assistance at all stages of the investment projects that international companies want to develop in Castilla- La Mancha.
On this matter, Casero said that thanks to these services, we are making Castilla-La Mancha remains one of the regions of Spain with increased export activity, as evidenced by the fact that” now we are the third region of Spain with the largest increase at year, with 13.9 percent rise compared to 7.4 percent nationally.
Also stressed that Home Carmen currently marketed products our companies Castilla-La Mancha in 170 countries around the world, thanks to the strong advocacy that IPEX is undertaking to open international markets both large companies in our region as to small and medium enterprises that are starting in the field of internationalization.
Thanks to this hard work, the government led by Maria Dolores Cospedal has managed to increase by more than 7.5 percent of the number of companies who have started their export process only in the first four months of the year, counting all time with the support and advice of the Institute of Foreign
Finally, it has been worth it Castilla-La Mancha is the region of Spain that has balanced its trade balance, with a drop of 66.4 percent in the first five months of the year, which shows activity that is occurring in our region.
Press Contact: Consejeria de Empleo y Economia Media Relations Consejeria de Empleo y Economia Address: Avda Ireland No 14 512-212-1139
A KFC franchise is just part of the umbrella of the Yum Brands empire. Yum Brands is the largest restaurant franchise system in the world. KFC franchises are located in over 80 countries worldwide and have sister franchises like Pizza Hut, Taco Bell, Long John Silvers and A&W.
There are quite a few advantages of being part of the Yum Brands family however, owning a KFC franchise may not be right for you.
First and foremost, any potential franchisee must be prepared to own more than one franchise. Therefore, if you want to open a KFC, you’re also most likely going to need to open another franchise in the same location. That’s why you see so many groups of fast food stores in the same location. A good idea would be to consider owning multiple franchises on multiple sites.
Yum Brands has quite a reputation for having ambitious business owners as their franchise owners. To be considered on their “good list”, you’re going to have to own at least three KFC franchises. In fact, ambitious franchise owners will get help from Yum Brands on building up their franchises.
The upfront cost to get into a KFC franchise is why so many people do not qualify for this particular franchise. Go ahead and plan on spending 1,000,000 to 2,000,000 to start up your KFC franchise and partner brand franchise. Furthermore, your net worth has to be above 1 million and you have to have liquid assets of at least $360,000. On top of that, you must have experience in the food service industry or least your partner must have that experience.
Plan on spending at least a year going through the whole process from start to finish. If you qualify based on their requirements, you will meet with the Yum Brands leadership to see if the relationship would be a good one for both parties involved. Then there would be the work finding a site and all that other fun stuff.
Bottom line is owning a KFC franchise can be very profitable and a very solid investment even if you can qualify for the high demands of buying a KFC franchise.
Investment club is formed by a group of people who pool their money for joint investments. If you are a new to investing in stock market and have limited funds, starting an investment club is a great way to learn from other investors and get hands on experience in investing.
Here are some tips to starting an investment club.
1. Make sure all members understand the risks of investing. Many people who invest think they are going to be very successful, and are not prepared to lose all of their money. Unfortunately, there are no guarantees when it comes to the stock market. No one should invest money they are not willing to lose.
2. Find the right people who share the same investment objectives and goals. It is easier to get along with right minded people and learn from each other.
3. Make sure all club members agree to the partnership agreement and any other rules.
4. Join the National Association of Investors Corporation (NAIC) that provides support, information and tools on starting an investment club and investing, and publishes a monthly investor-learning magazine.
5. All members must agree to make a monthly contribution. The typical range of contribution is $20 to $100 a month. Members who contribute more than the required contribution are allowed greater share of profits.
6. Decide on how to meet and the frequency of meetings. For the initial setting up of the club, it may be best for everyone to meet in person. If all meetings are held online, it may be good to meet in person once or twice a year for social interaction. To keep up to date, it is recommended to meet 1-2 times a month.
7. Start with a small number of people. It is easier to come to an agreement when there are fewer members. When the club is established and all formal procedures are in place, new members can be invited to join.
8. Education is the main goal of an investment club. An investment club made up of educated investors will be more successful and cohesive than an investment club which is solely focused on making a profit.
9. Every investment club must have a well-defined investment style or investment philosophy. There must be clear selection criteria such as what type of stocks to invest, the acceptable risk tolerance level and rate of return. All club members should be aware of and agree to the investment style of the club.
Starting and running an investment club is an invaluable learning experience, where you can leverage on the expertise and knowledge of other investors. Investment clubs facilitate the exchange of ideas and collective decisions that are likely to produce sustainable returns.
There is a combination of a home loan and line of credit that will provide a homeowner with all the finance he needs. Since the duration of home loans are extremely long, flexibility is essential because many things can happen in 30 years. Your needs will change over time and so should your source of financing.
The problem of flexibility of mortgage loans was already solved by a home loan type that adapts to the borrowers needs. However, if the borrower wanted additional cash for some unexpected expenses, there was no solution provided by these loans. Thats why a combination of home loan and home equity line of credit is the best option for ultimate flexibility.
Option Mortgage Loans
The first part of this Loan Combo is the mortgage loan. The idea of these loans is that while for a certain situation a fixed interest rate mortgage loan would be the best option for you, you may have to go through difficult times eventually and you would prefer an interest only mortgage loan then. And perhaps, later your financial situation would improve and you would prefer to take advantage of better market conditions with a variable rate mortgage loan.
Normally you would have to refinance your loan many times over the life of a 30 years home loan in order to do all the above. But Option Mortgage Loans let you choose the set of rules that will apply to your loan each time you pay your mortgage installment. That way, if you go through some hardship you can pay only the interests and postpone the payment of principal. Or if you run into extra income you can choose to pay off your home loan sooner.
Home Equity Line of Credit
A home equity line of credit will complement an Option Mortgage Loan by providing additional finance each time you are in need of cash. So, if you suddenly find yourself in a complicated financial situation, you can not only reduce your monthly payments by changing your mortgage loan to an interest only home loan but you can also get extra cash by withdrawing money from your home equity line of credit.
The home equity line of credit is secured on your home, thus both the mortgage and the line of credit have the same security. A property worth $150,000 can easily provide you with a line of credit of $50,000 if your outstanding mortgage is $100,000. As you can see, its an excellent option for solving your finance issues for many years. You wont need to resort to any other source of finance again.
The main benefit of these lines of credit is that while you repay the money withdrawn, the cash will be available again right away if you need it again. Thus, you wont have to apply for a loan each time you need cash. Moreover, the interest rate charged for these loan products is significantly lower than that of personal loans and credit cards.
What if there was a way to manifest money instantaneously. Just imagine what it would be like to know these ancient secrets to manifest money.
Here are just some of the ways to attract wealth faster than you ever thought possible:
Ancient Secret #1 – Focus On A Specific Desire
We desire many things in our lives including, love, health, and wealth. In this article, we are focusing on money. The first secret to manifesting money is focus on a specific amount. It’s easy to get caught up in fantasizing about money and riches beyond our wildest dreams, but we are not specific enough when you are doing it, so they are just dreams.
When you focus on a specific amount, the dream becomes a reality.
Focus on a specific amount of money, put a date on when you expect to manifest it, and make sure that it is believable. This is key, if you don’t believe in what you are trying to manifest, then you wont be able to manifest it. It has to be believable.
Ancient Secret #2 – Act As If It Has Already Happened
You must act as if you have already manifested what you desire. Every day take time to imagine that you have already manifested the money. Imagine doing everything you would want to do with it. Spend it, give it away. Do whatever you want, but make sure you are enjoying yourself.
The more you do this, the faster you are actually creating it.
Decide today, that each morning you will take a few minutes and really experience having money. Enjoy yourself and really feel the feelings, hear the sounds, and experience the emotions of having all that money.
Ancient Secret #3 – Receive It
If you are following the first two secrets, then the universe is going to present you with a path. Along that path, it will manifest things to help you achieve great wealth. perhaps with a business proposition, maybe you will win the lottery., maybe you will inherit a fortune.
I can’t tell you what exactly is going to happen, but when these moments arrive, it will feel natural and good to take them. They will bring you closer to the manifestation of money. Be willing to receive what ever the universe provides, and keep your mind open. If you are truly following these secrets, the paths will open up quickly.
A Final Word
These are just some of the most powerful ancient secrets to manifest money. Follow them for anything you desire, and you will manifest them faster than you ever thought possible.
Due diligence is the term commonly used for investigation of any kind. People in todays world are extremely cautious before entering into any kind of investment whether it is stocks or assets. Investment due diligence involves performing a thorough check up on the property before investing. In case of stocks or hedge funds, the person can perform due diligence by going through the prospectus and checking on the fund managers background and capability. Investment due diligence when it comes to property, requires a specific check list which takes care of the authenticity of the transaction and acquisition, as in the case of industries. An effective checklist will contain the financial background of the principal, the physical condition of the property and the marketing capability of the place. If the due diligence investigation is performed properly then the buyer can avoid himself from getting into a trap.
In case of commercial properties, the commercial landlords often conduct a thorough due diligence investigation. Preparing a proper acquisition due diligence list is very important for commercial property investors. They must look for the underground and storage tanks, drinking water taste reports, radon and remediation reports, plans and survey report and also visit the site physically to track any kind of disputes between the seller and the buyer.
The Merger and Acquisition (M&A) activities are mainly dependent on the analysis of due diligence. It mainly involves financial and legal due diligence. The merger and acquisition by companies take a deep look into the financial assets, articles of incorporation, market value, technology and the competency of the company. Once a company decides to sell the property, the bank is taken into confidence to keep the M&A accounts. Then the property is given to the investment bank; thereafter, investment banking due diligence starts playing its role. The bank goes through the legal points and discusses the litigation issues before the sale.
In the case of rental residential properties, there is also an effective due diligence method. This method is commonly used by collection agencies appointed by the landlords to track the default tenants. The collection agencies use the skip trace tools to track the contacts of the faulty tenants.
So, whether it is a small or big investment, due diligence investigation plays a pivotal role in property investment. Proper investigation can result in fruitful investment and can take you a long way. Consult the masters and invest today!