Business Finance

Dogs Enjoying Warm Blankets. Keeping Warm In Winter, Dogs Love Cuddle In...

noreply@blogger.com (Morning Star) — Sun, 07 Jun 2020 13:10:00 +0000

This channel is all about dog, Testing My Dog Reaction To Soap - Puppy and dogs behaviour Training.

noreply@blogger.com (Morning Star) — Sun, 31 May 2020 13:28:00 +0000

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This channel is all about dog, Testing My Dog Reaction To Soap - Puppy a...

noreply@blogger.com (Morning Star) — Sun, 31 May 2020 13:08:00 +0000

TOP 13 WAYS TO PROMOTE YOUR AMAZING BLOG POST

noreply@blogger.com (Morning Star) — Fri, 14 Oct 2016 22:37:00 +0000

TOP 13 WAYS TO PROMOTE YOUR AMAZING BLOG POST

Creating an amazing blog post takes a lot of work. A very necessary part of the process is done AFTER the writing and the posting. You have to PROMOTE it!

As with any blog post, you spend many hours doing all that you can to polish it and make it ready for your readers. You research, write, edit and write some more. All of your blog images are ready to go.

Finally, you feel that everything possible has been done, so you hit the PUBLISH button and wait. Well, guess what! If you want readers to actually see your post, you still have a lot of work to do.

You have to let the world know that you HAVE a blog post and that you have a BLOG. That takes PUBLICITY. You have to expose the world to your blog. You have to promote your post.

Promoting your blog post in every way that you can assures that readers know that it exists and that your blog exists.

Here are 13 great ways to promote your post:

1. Send an email to everyone on your email list

You know that email list that you work so hard to cultivate? Well, now it's time to use it. Email everyone on your list and tell them that you have published a new blog post! I am always surprised at how much traffic this one step brings to my blog. If people are interested enough to subscribe to your blog, then it makes sense that they would want to know when you post a new blog post.

2. Include a link to your new post in the newsletter

Showcase the new blog post in the newsletter that you send to your subscribers. Although you have already told them about it in an email, sometimes these things are ignored or overlooked, so send it again in the newsletter.

3. Create amazing social media images

Not only must you create stunning images to go with your blog post, but you also need to create the images for all of your social media: Pinterest, Facebook, Twitter, Instagram, etc. Go ahead and get all of these done at once. This will help your publishing to go much quicker. Creating each image in the optimal size for each social media platform is important so you don’t have to go back and resize everything when you are ready to post.

4. Share on on your own Pinterest boards and group boards

Make your pin description as full of information as possible and use Rich Pins. This will attract more readers to your pin, and ultimately, to your blog. When you create your pin, double-check to be sure that your URL is correct. You surely don't want to steer your viewers to a blank page!

If you belong to any Pinterest group boards, share your post there. A Pinterest group board is a board that many people share and is an effective way to expose your pin to many viewers at once.

5. Tweet about it!

Twitter is a fast-moving vehicle of information. Sharing your post on Twitter is different from sharing it on Pinterest or on Facebook. With Twitter, you should share your post multiple times to make sure that it is seen by as many people as possible.

Share it several times on the day that you post it onto your blog, share it the next day and the day after that. You want to expose it to as many viewers as possible. If you use a tweet-scheduling tool like Buffer, now is the time to schedule future tweets about your blog post.

6. Share your post on your Facebook page

Facebook doesn’t seem to have the reach that other social media platforms have, but it won’t hurt to get your post exposed to as many readers as possible.

7. Share it in your Facebook groups

marble pink desktop full, horizontal

8. Schedule future pins for Pinterest

Schedule your post to be pinned on Pinterest again in the coming days. Personally, I use CoSchedule for this, but there are many other apps such as Tailwind or Hootsuite that can do this for you.

9. Share your post in Link Parties

There are many bloggers who host Link Parties. You can link new post to their party to have it seen by many people. This is a great way to increase the number of views who see your blog.

10. Link to other posts on your blog

Link to any posts on your blog that are relevant to the subject matter of your new post. This gets people clicking around on your site and keeps them there longer.

11. Share your post with with any person or company that you have mentioned in the post

Email anyone that you have referenced in your post and let them know that they have been mentioned in your article. If they have a blog or a website, they may mention the post or link to it which will help with page views and get more people to your blog.

12. Link to any other websites or blogs that are in some way relevant to your post

Including a link in your post that references someone else's blog may at first seem a little unorthodox, but if you truly want to help your readers and build trust, it is the ideal thing to do.

If someone has written a helpful blog post about the subject that you have written about, go ahead and link to that post so that your reader can garner even more information. Who knows...if you send traffic to another blogger, they may reciprocate and send some traffic your way!

13. Go ahead and schedule your posts to be recirculated in the weeks and months to come

Continually promoting your posts, both old and new, has a funny way of working…it’s sort of like compound interest…the more you promote, the more pageviews and engagement grow.

Your amazing post needs YOU to introduce it to the world and to keep it alive. Promote, share, and send it wherever you can to expose it to as many viewers as possible. Keeping your blog posts in front of your audience will not only save it from getting lost in the shuffle, but it will also keep your readers interested and sharing, and ultimately coming back to your blog.

How To Move Customers From Email To Text Message Lists

noreply@blogger.com (Morning Star) — Thu, 15 Sep 2016 21:17:00 +0000

Five Easy Tips To Move Customers From Email Lists To Text Message Lists

Five Easy Ways To Move Customers From Email To Text Message Lists

This past week I received a number of questions from our customer service department. A number of customers have called in with an interesting question.

They are small business owners who have built an email list…
But they have a problem.

They’ve spent a ton of time and money identifying prospects and customers and adding them to an email list.

They’ve been doing everything the email marketing gurus say.

They’ve been sending regular emails… they’ve been writing great content…. they focus on keywords and links… they craft headlines and great calls to action… they split test subject lines and work on their copywriting.

Despite this constant effort and work, they still have very low engagement rates.

Their email open rates are under 20%... and click rates hover around 1% if they are lucky.

They know text message marketing gives off a much greater engagement rate with a lot less effort…. It’s much easier to write 160 characters and get a read rate of 90% - 94%!

So the million dollar question… how do you move the people from your email list over to your mobile marketing list?

It’s a great question… and I have a few ideas.

First, let me help you right off the bat.

Add a signup form to collect smartphone numbers right on your website.

Think of it… you’re already spending money to advertise online… and you get traffic to your website… you might as well hit up your site visitors for their email address AND phone number.

This will automatically add people going forward to both your email and your mobile marketing lists. It gives you two bites of the apple!

Just remember to put the correct disclosures on the opt in form and make sure to add the right disclaimers to your website terms of use.

By making that one move, you will start adding people to your mobile marketing list with great speed.

That deals with new people signing up… what do you do about the people already on your email list?

How do you move the people from the email list over to your text message list?

There are three things you need to keep in mind...

First, let people know you have a text message marketing list and they can, and should, sign up… You’d be surprised at how many people already on your list want to hear from you via text message.

If you’re targeting a younger demographic, they may prefer text messages to emails…

Many will sign up just because you have a list!

The second thing to keep in mind… let your email list know if they sign up for your mobile list, they will get something special.

Give them a gift.

Give your mobile marketing prospects and customers something they can’t get elsewhere… something they can’t get on your website or by being on your email list.

Yep - that’s right… play favorites….

Give your mobile marketing prospects and customers something they can’t get any other way.

What do you give them?

It can be anything… but remember to give your customers something they want. Give them...

Information like a free report or guide…

Give them coupon codes or discount…

A link to a video...

Access to an Interview or podcast…

Here’s a great special offer - add people to an early-bird access list! It can be for a new product or special offer… the early bird list is a great carrot to get people signing-up.

Once again the options are limited only by your imagination.

The third thing I want you to remember… Don’t be afraid to remind people repeatedly you have a mobile marketing list. Remind people on your email list over and over again.

If you email your list… do it frequently. Why?

If you have a 10% open rate on your emails… that means 90% of your prospects and customers didn’t see the email!

So don’t be afraid to send out different offers. Remind people over and over again about your mobile marketing list… it will ensure more of your email list sees the offer and has the option to sign up.

One final tip - if you have customers on both email and a mobile marketing list… use them both. Don’t limit yourself to one list or the other. Use them both to really get the best engagement rates.

Remember repetition is reputation!

If you’re looking for answers to your critical questions about mobile marketing…. we wrote a special report. We cover everything about mobile marketing for your business - it’s a must read: “The Ultimate Guide to Mobile Marketing”

You can download it with this link: http://text.betwext.us/ebook-mobile-marketing/

Remember Mobile Marketing is a very powerful, and cost effective tool to communicate with your prospects, customers, and employees! Give it a try today.

This article originally appeared on the Betwext blog: http://www.betwext.com/tips-ideas/five-easy-tips-move-customers-email-lists-text-message-lists/

Online Customer Service For Business

noreply@blogger.com (Morning Star) — Thu, 15 Sep 2016 14:47:00 +0000

4 Misconceptions About Online Customer Service

Ask even the most established e-business about the principles of online customer service, and you’re likely to hear some wild misconceptions. These are four fallacies we’d love to see erased from the industry:

1. Text chat is an adequate way to communicate with every customer, in every situation. Text chat sure is a wonderful tool. For many, many customer interactions, a quick text from a skilled service agent (who might be supporting multiple customers at once) is enough to get the job done and convert a prospect into a purchaser. But for some business-critical situations, text chat is not enough to attract and retain customers.

2. If your business is online, you can’t deliver personal service. E-tailers cannot afford to accept this idea. If you are to entice consumers away from your online and offline competitors, you need to be able to connect with them when they require a personal touch. When a customer needs to hear the voice of your business, see a live rep. or watch a detailed product demonstration, your support system must deliver.

3. First-rate online support is too expensive for the small e-tailer. This is flat out wrong. We can start to dismantle this idea by sharing our free option for real-time multimedia collaboration, but we also need to mention the cost of not offering superior customer support. All the money you put into SEO, advertising and marketing activities is for naught if you can’t help a qualified target convert once he arrives on your site. And if there is inadequate support for product selection, you’ll eat the costs in terms of call center resources or product returns.

4. Customers don’t want to engage with us in any significant way. Yes, your customers are a busy bunch. They shop online – at least in part – because it is quick and convenient. But wandering around your site unguided and unsupported is frustrating. If website visitors cannot easily access a knowledgeable rep. to help them when they need assistance, they’ll bounce. Let your customers and prospects engage with you on their terms and at the level of support they need, and you’ll see the returns in conversion and sales rates.

6 Reasons Why Businesses Still Need Social Media Marketing

noreply@blogger.com (Morning Star) — Thu, 15 Sep 2016 14:10:00 +0000

6 Reasons Businesses Need Social Media Marketing

In order for a business to grow quickly, they need to be able to reach a wide target audience as soon as possible. Without an active social media presence, your business is doomed to fail. Research shows nearly 2 in 3 adults use social media. By not tapping into the potential of social media, marketing yourself to potential leads and customers becomes a lot more cumbersome.

Here are 6 ways in which social media marketing can benefit a business.

Social Media Gives You a Wider Reach

With social media, it’s easy to market your services to a large population. And not only does social media allow you to reach out to more people; it even lets you determine the kind of audience to whom you wish to market yourself.

Using Social Media for Business Boosts Your Site’s SEO

Search engine crawlers know which pages are consistently earning traffic and which are just floating out there, forgotten and ignored. A killer content strategy for SEO is the most important part of earning top spots in search engine rankings, but driving traffic to your optimized pages will cause them to climb much faster in the search engine results pages (SERPs).

Social Media Marketing Is Easily Sharable Marketing

A user can easily share any marketing activity or advertisement that’s posted up on a social media website.

This means that once you’ve shared a post, people will eventually ensure that it gets to your target market; the people who will actually benefit from your business.

A Strong Social Media Presence Builds Brand Loyalty

A report published by Texas Tech University found that brands with active social media profiles have more loyal customers. It’s easy to imagine why: when you’re engaging and interacting on social media (not just tossing your posts out onto the web hoping someone will stumble upon them) you become less like a corporation and more like what you truly are, a unified group of people who share a vision.

Social Media Gives You the Ability to Quickly Respond to Customers

Once you’ve shared any content on social media, it’s easy to keep track of customer responses and feedback given by social media users.

Besides making the necessary changes as soon as possible, you can even respond to your customer’s queries and messages. This will help you engage with the audience better so they keep coming back for more.

Customers You Didn’t Know Existed Will Find (and buy from you)

In the process of marketing with Facebook, you’ll probably join a ton of groups related to your products, industry and customer base. By posting links in these groups, you’ll help influence customers to check out your site. Answering questions on Quora is another option.

These are just a few ways in which companies can use social media. Without a strong social media presence, it’s impossible to survive in today’s market.

Contradiction Right??????????????????

Social Media Is Not The Complete Marketing Toolbox

noreply@blogger.com (Morning Star) — Thu, 15 Sep 2016 13:18:00 +0000

How We Forgot the Telephone

We should understand that Social Media is not the complete marketing toolbox, it's just another tool in the box. As businesses, we need to leverage every tool we have and choose the best ones for us, tailored to our products and services. We should therefore still be giving all due consideration to analog media marketing methods, such as hand written letters, post cards and that weapon of mass discussion, the telephone.

Unfortunately, some social media marketers who don't have the right kind of social skills have convinced businesses that the telephone, in particular, is evil. This is bad for business, because the telephone is, in reality, still a very important business tool indeed. Social Media didn't replace it, but it did allow people who could not do telemarketing well an opt out. One reason they fail is because they already have gone through the conversation in their heads over and over before they call. When the conversation goes a different way, they get flustered and then it's game over. Bad conversational skills have given telemarketing a bad name. Unfortunately the people who were poor at it promulgated a myth that it is the telephone itself which is bad.

But the telephone is not dead. It's very much alive. My collaborator Angus Grady gets through to CEO level people all the time for his clients (10 a day is a standard target). His calls do generate business which can be measured in terms of monetary income. His calls do not create ill will (generally, apart from in extreme cases of telephone averse managers). So Angus is opening very thick doors with the telephone. I also know people who sell office telephones. They tell me that they're selling more than they ever did. What does that indicate to us?

So when we’re beating our head against a brick wall, trying to get to exchange written text with someone's electronic avatar by using social as our blunt weapon of choice, we might consider hiring someone who has the right kind of social skills. Someone who can pick up the weapon of mass discussion instead to open the door to a real conversation with a real person. Who knows, it might be the most important conversation we ever have.

written by Gary Sharpe

Stop Wasting Time Building Facebook and Twitter Followers

noreply@blogger.com (Morning Star) — Thu, 15 Sep 2016 12:24:00 +0000

Small Business Owners: Stop Wasting Time Building Facebook and Twitter Followers

Why Texting Is Critical For Your Small Business Marketing

Pin it
Look, if you’re a small business owner, or manager, you must start looking at texting for your small business today. Set aside 20 minutes and do a bit of research and figure out how to use texting in your business.
Why?
Because nobody is paying attention to your other marketing efforts!
Seriously.
Consider this, according to one Hubspot article, Facebook posts get natural organic engagement of about 2% to 6.5%... let’s do the math. If you have 10,000 followers on facebook and make a post, between 200 and 650 of your followers will see your post.
Why so few?
Because facebook is becoming overwhelmed with content and they’re filtering what people see.
Think twitter is any better?
Think again. According to an article I found atmarketingland, between 1.3% and 2.6% of your followers actually see a tweet. One resource recommended tweeting several times a day… every day of the week… and you might - might - reach 30% of your followers!
I don’t know about you but we’ve been putting in tons of work growing our facebook and twitter followers. Now, I’m starting to think it’s all wasted work!
Think your email list is any better?
It’s not. Average email open rates are running between 15% and 30%... and if you’ve got a big list (more than 100,000 emails) you’ll see your open rate hover around 10%... if you’re lucky.
Of course Facebook and Twitter will help you reach more of your followers (and new people too) you just have to pay for the privilege. So cough up your credit card and hand it over… That’s how they make money!
There’s got to be a better solution to communicate with prospects… with customers… with your VIPs!
That’s why I love mobile marketing… specifically text message marketing.
Text Message Marketing is Critical For Small Businesses
Did you know it’s estimated 97% of all text messages are read within just a few minutes of being received.
No - that’s not a typo. - 97% of text messages are read.
So, you send out dozens of tweets a day... for an entire week… and you might reach 20% or 30% of your followers. On facebook, you can post to your heart’s content… and your reach won’t be much better.
See why I want you to stop worrying about Facebook and Twitter… and focus on marketing that works?
Sending emails - ok - that’s a little better. Send out two or three emails and you might reach half your list.
Text message marketing is where it’s at.
So, the question is… why aren't you jumping into text message marketing for your small business right now?
I think I know. You don’t know where to start… You don’t know what to look for in a service provider… you’re afraid it’s expensive, or difficult to do.
Nothing could be further from the truth.
Finding a texting service is easy… the start up costs are minimal… and if you plan your marketing strategy the right way, you can do an entire month of marketing in 10 minutes or less.
That’s why you should stop worrying about facebook and twitter followers, and instead spend that time building your text marketing list!
Next time, I’ll address some of the biggest objections small business owners spit out about text message marketing. I’ll share with you some great ways to grow your business, and give you examples of what other business owners are doing!
If you’re thinking about using text messages to promote your small business, we wrote a special report just for you… “The Ultimate Guide to Mobile Marketing”
You can download it free - right here:http://text.betwext.us/ebook-mobile-marketing/
Remember text messaging is a very powerful tool that small businesses must start using. It’s a cost effective way to communicate with your prospects, customers, VIPs, and employees! Give it a try today.
This article originally appeared on the Betwext.com blog: https://www.betwext.com/mobile-marketing/texting-is-critical-small-business-marketing/

Easy Small Business Loans

noreply@blogger.com (Morning Star) — Mon, 15 Aug 2016 23:51:00 +0000

Sourcing for a loan to start a new business or expand an existing business has never been easier. If you’re searching for small business loans, and have struck out at your local banks and credit unions, there are quite a number of online lenders for the best small business financing.

CAUTION: I AM NOT IN ANYWAY AFFILIATED TO THESE COMPANIES. DO YOUR HOME WORK BEFORE YOU PROCEED

Though some loans may attract very little interest rates and may be repayable over long periods of time, taking loans to finance your business is a risk.
And it is very important that you analyze the risk in taking a loan to figure out whether taking a loan would be a right step for you.

How To Get Loan For Small Business

The better economic conditions of 2016 and a big increase in competition mean lenders are willing to slash their rates for good prospects. Unfortunately, that doesn’t mean it’s easy to obtain a small business loan from traditional banks. You should still try — you’ll usually receive a lower interest rate if you can qualify. But if you’re like the majority of small businesses, you may come up empty.
The good news is that a number of online lenders are giving banks a run for their money (and clients) by working directly with small business owners. In many cases, they make the lending process more convenient, with quicker turnaround, more transparent terms, and more flexible lending criteria. But be aware that you’ll likely be getting a higher APR.

Apply For Small Business Loan / Small Business Loan Application
Banks and other loan-issuing agencies need to verify all the credentials and details about your business before approving a loan. Most importantly, they need to ascertain that you are really capable of paying back the loan along with the accompanying interest. All these explain why the loan application process and review always take a long time.

Small Business Loan Information And Looking For Small Business Loan

Banks and other institutional creditors have a long list of conditions that your business must fulfill before they can take a loan. Trying to meet these conditions (for example, trying to provide certain business details and documents) is always cumbersome. In fact, most of these conditions, from the entrepreneur’s perspective, are totally unnecessary. And sometimes, it is not possible to meet all of them. This is one of the commonest reasons why entrepreneurs don’t bother giving loan applications a shot.

Find Business Loans And Small Business Loan Banks

Traditional brick-and-mortar banks are still your best option for borrowing the largest amount of money at the lowest interest rates. They may also offer longer repayment terms if you need them.
Sounds great, but these loans require a lot of collateral and can be notoriously hard to secure. Even though small business lending has rebounded this year, the nation’s largest banks were still approving only 20.8% of request as at 2014.
Application and approval can also be daunting — you’ll need to complete a slew of paperwork, put up to 30% down, and possibly wait a few months to see any money.

Fast Small Business Loans And High Risk Business Loans
Many credit unions are issuing small business loans, and they’re approving requests at twice the rate of big banks. Rates are competitive and sometimes lower since credit unions are nonprofits with less overhead.
You’ll need to be a member, though requirements are often as simple as living in a specific area. Note that though credit unions may be more flexible than big banks, they still primarily lend to established businesses.

Small Business Loan Lenders And Short Term Business Loans

Business line of credit: Only in California

Best Peer-to-Peer Small Business Loans Banks

Peer to Peer lending directly connects borrows with several investors who typically fund small chunks of a diversified loan portfolio. While this option might not be the best low interest business loan opportunity, lending criteria is usually less stringent than it is at traditional brick-and-mortar banks.

Lending Club: Is the nation’s largest peer-to-peer lender, began making small business loans — a separate program from their main product, in March 2014. You must have owned the business for at least two years and have at least $75,000 in annual revenue. Borrowers can request $15,000 to $300,000 and pay back the loans under flexible terms ranging from one to five years. The interest rates, ranging from 5.99% to 35.89%* APR. Best APR is available to borrowers with excellent credit. These rates are clearly disclosed and among the most competitive. There are a range of fees to know about: Lending Club charges an origination fee of roughly 1% to 6%, and there are $15 fees for unsuccessful payments and payments by check. Late payments will cost you $15 or 5% of your outstanding balance, whichever is greater.
It's good for any relatively established small business that wants flexible repayment terms (options range from one to five years) from one of the nation’s largest, most established peer-to-peer lenders.
Who should pass: Very new or small businesses probably won’t qualify with Lending Club, and residents of Iowa and West Virginia aren’t eligible to borrow. And if you need cash fast, note that it can take up to two weeks for your loan to be funded.

Funding Circle: Is a peer-to-peer lending behemoth from the United Kingdom, is dedicated solely to small business financing. It launched in the U.S. in 2013 and will make loans from $25,000 up to a hefty $500,000 at rates from 5.49% to 27.79%. Terms are flexible and range from one to five years.
There are only two fees: a flat origination fee ranging from 1.49% to 4.99%, and a flat late payment fee equivalent to 10% of the missed payment. Funding Circle requires annual revenue of more than $150,000 and at least two years in business (one of which must have been profitable). Both business and personal tax returns as well as business bank statements are required to apply (even more documentation is required for loans over $300,000).
Who it’s good for: An established business that needs to borrow a larger sum up to $500,000. Residents of all U.S. states except Nevada are eligible, and Funding Circle is a particularly good pick for businesses that want to keep fees minimal and easy to understand.
Who should pass: Funding Circle requires $150,000 in annual revenue, so newer businesses may have to look elsewhere. And while the company says its online application takes just 10 minutes, gathering the required paperwork can prove time-consuming. Also note that the late payment fee (10% of your missed payment) is pretty high.

Prosper is similar to Lending Club, but it doesn’t have separate loans for small businesses. However, you can use its unsecured personal loans for small business purposes. This can make Prosper a good choice if you need a smaller amount (you can borrow up to $35,000) and your business doesn’t have the established track record to qualify for dedicated small business loans.
APRs range from 5.99% to 32.99%. It can take up to two weeks for your loan to be funded, and you can choose only a three- or five-year term.
Who it’s good for: Prosper would work best for a newer small business that needs a smaller amount ($35,000 or less) that doesn’t have the revenue or longevity to qualify for a dedicated small business loan. As one of the nation’s biggest peer-to-peer lenders, it’s a good pick for someone who’s nervous about getting a loan online.

Online Business Finance

noreply@blogger.com (Morning Star) — Mon, 15 Aug 2016 23:46:00 +0000

Online Business Finance Courses

Below are some commonly offered business finance courses available to online students.

Investment Fundamentals: This course offers an introduction to security analysis and valuation. The course focuses on how to make sound investment decisions by exploring the nature of equity and fixed income securities, trading mechanics and costs of trading. Students also learn how securities markets operate and gain an understanding of concepts such as the relationship between risk and return, the value of portfolio diversification and valuation.
Fundamentals of Business Analysis: In this course, students gain a basic understanding of the functions and business impact of business analysts. In this class, students learn how business analysis functions relate to the development of information technology solutions. Other course topics covered include gathering and documenting user requirements, modeling business cash flows, business case analysis and process modeling.
Finance for Business: This course introduces students to the essential elements of business finance. Emphasis is placed on financial management, financial markets and the tools, techniques and methodologies used in making financial decisions. Major topics studied include financial planning, working capital management, capital budgeting and long-term financing.
Finance for Non-Financial Managers: This course is for those professionals who have been assigned financial and budgeting responsibilities, as well as for those who work with accounting and finance department personnel. Specific topics studied include financial analysis planning, forecasting, budgeting and cash flow techniques.
Strategic Management: In this course students will learn how to best implement business management techniques to excel in the global market. The course will help students to think critically about the influence of technology, political policy and the global economy on business strategy development. Case studies will enhance student understanding of possible methods and outcomes.

business line of credit

noreply@blogger.com (Morning Star) — Mon, 15 Aug 2016 23:38:00 +0000

Business line of credit

A business line of credit is quite similar to personal lines of credit. The financial institution grants access to a specific amount of financing. However, no interest is incurred until the funds are tapped into. A business
line of credit can be unsecured or secured (typically, by inventory, receivables or other collateral). Lines of credit are often referred to as revolving and can be tapped into repeatedly. For instance, if there is access to a $60,000 line of credit and $30,000 is taken out, access to the remaining $30,000, if necessary, remains. If all $30,000 is paid back, there is access to the entire $60,000 without having to reapply, one of the biggest benefits of a line of credit.

A line of credit is credit source extended to a government, business or individual by a bank or other finincial institutions. A line of credit may take several forms, such as overdraft protection, demand loan special purpose, export packing credit, term loan, discounting, purchase of commercial bills, traditional revolving credit card account, etc. It is effectively a source of funds that can readily be tapped at the borrower's discretion. Interest is paid only on money actually withdrawn. (However, the borrower may be required to pay an unused line fee, often an annualized percentage fee on the money not withdrawn.) Lines of credit can be secured by collateral or may be unsecured.

Lines of credit are often extended by banks, financial institutions and other licensed consumer lenders to creditworthy customers (though certain special-purpose lines of credit may not have creditworthiness requirements) to address liquidity problems; such a line of credit is often called a personal line of credit. The term is also used to mean the credit limit of a customer, that is, the maximum amount of credit a customer is allowed.

Cash credit

A cash credit is a short-term cash loan to a company. A bank provides this type of funding, but only after the required security is given to secure the loan. Once a security for repayment has been given, the business that receives the loan can continuously draw from the bank up to a certain specified amount.

The Role Of Business Finance

noreply@blogger.com (Morning Star) — Thu, 11 Aug 2016 13:51:00 +0000

The Role Of Business Finance Small and medium-sized businesses play a key role in the development of any economy, employing almost 60% of the private sector workforce and accounting for almost half of all private sector turnover. Their continuing success is vital to building the economy of any nation. Being able to access the right type of finance at the right time allows these businesses to invest, grow and create jobs. A good understanding of the options available is an essential starting point and enables businesses to select the type of finance that is right for their circumstances and plans. Businesses are, in effect, investment agencies or intermediaries. This is to say that their role is to raise money from members of the public, and from other investors, and to invest it. Usually, money will be obtained from the owners of the business (the shareholders) and from long-term lenders, with some short-term finance being provided by banks (perhaps in the form of overdrafts), by other financial institutions and by other businesses being prepared to supply goods or services on credit (trade payables (or trade creditors)). Businesses typically invest in real assets such as land, buildings, plant and inventories (or stock), though they may also invest in financial assets, including making loans to, and buying shares in, other businesses. People are employed to manage the investments, that is, to do all those things necessary to create and sell the goods and services in the provision of which the business is engaged. Surpluses remaining after meeting the costs of operating the business – wages, raw material costs, and so forth – accrue to the investors. Of crucial importance to the business will be decisions about the types and quantity of finance to raise, and the choice of investments to be made. Business finance is the study of how these financing and investment decisions should be made in theory, and how they are made in practice.