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Unlike the CEOs of major public companies, whose personal financial situation has little effect on their companies borrowing, if you are a small business owner, your personal credit is a major factor influencing your companys access to capital. The power of personal credit scores to predict small business loan repayment, the legal structure of many small businesses, and small business owners’ use of personal guarantees and personal borrowing to finance business operations, all link small business owners personal credit to their companies’ access to capital.

Many, if not most, lenders will look at your personal credit score if you are a small business owner seeking a loan for your company. A 2006 report written for the U.S. Small Business Administration found that 71 percent of banks used small business owner credit scores when underwriting small business loans.

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Here are 10 trends to keep an eye on as you develop your marketing plan.

1. Social media will continue to propel consumer spending. In 2014, both Twitter and Facebook began testing a new feature that will make it easy for users to buy products and services in just a few clicks.

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With every passing week comes a story about some technological snafu at big companies—and even in the government. But small businesses are very vulnerable to cybersecurity issues, both because they lack the resources of big enterprises and because their lack of resources means that an attack can be even more devastating.

Here are some best practices that small businesses can put into place to make sure that they are secure.

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The question becomes, what would your customer do when they turn to you and then you hire an independent contractor?

You are not ready to bring on a fulltime employee yet. But your customer is thinking at this point, why do not I hire the independent contractor and save some money? Does this scenario sound familiar to you?

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The content of your email message is important, but your design is the first element that recipients will see. If you want readers to see your message instead of clicking to the next email, it is essential to please their eyes and pique their curiosity. Here are a few keys to a winning email design:

1. Make it mobile friendly.
Two out of three emails are opened on a mobile device. Make sure that your email design is based on elements that work well in that environment.

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One of the most valuable possessions that you have is your reputation -- and it is important to guard it at all costs. Profits can be lost and regained, but rebuilding a damaged reputation -- that is far more difficult.

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Joe Spencer has seen plenty of booms and busts in his hometown of Detroit over the years running his small business, Louisiana Creole Gumbo since 1983. He watched as the auto industry imploded and housing collapsed, and he grit his teeth through the subsequent recession.

But these days, things are looking up for his resilient restaurant, famous for its gumbo served five ways. It hit $1.2 million in sales last year, leading him to open a second location.

Now one thing is on his mind: How Donald Trump stands to impact the economy, and what might that mean for endeavors like his around the country.

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As a small business owner or self-employed individual, you may need to enter into a business contract. A business contract is a legal agreement between you and another party, and may be used in situations where services are rendered for a fee or specific duties are required to be performed. To be legally valid, a contract must contain several key elements.

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Why does qualifying for a small business loan have to be such a mystery?

According to a CB Insights study, cash flow issues are the second most common reason startups fail, accounting for 29% of failures. In many cases, access to capital would make a big difference. Yet the loan application process is notoriously opaque for small business owners. Research from the Federal Reserve Bank of New York shows the average small business owner spent 26 hours searching and applying for credit, contacted three financial institutions and submitted three credit applications. Despite this time-consuming work, only half of small-business applicants end up being approved for the loan amount they applied for.

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Want to be a better negotiator? Here are some simple tips.

1. Listen more than you talk.
It is easy to go into a negotiation focused only on what you'll say, especially when you are nervous.

The goal of a negotiation is not just to get what you want, but also to help the other side get what they want. (Otherwise, how will you ever strike a deal?) To do that, you need to actually know what the other side wants -- which means you have to listen.

Finding common ground means knowing common ground exists.

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Technology has started to feel like a four-letter word these days—especially in the business world. Stand by the water cooler and you might hear chatter among employees about what programs, such as machine learning and artificial intelligence, will mean for the future of jobs.

As this technology comes to life, many people fear for their professional future. They worry that robots will soon sit at their desks while they’re out on the street struggling to find work.

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These days, content marketing is considered a crucial aspect of any company's advertising efforts. Yet, for a new startup with a limited budget, trying to find a way to craft compelling blogs, social media posts or infographics can seem overwhelming.

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The global manufacturing market has experienced a myriad of changes in recent years. Particularly in the U.S., automation, offshoring and technology have made a major impact on manufacturing businesses of all sizes.

Manufacturing Trends
Here are some facts and statistics that illustrate these prominent industry trends.

Manufacturing Market Size
The median annual revenue for manufacturing companies is between $50 and $100 million per year.
About 7 percent of manufacturing companies have annual revenues under $1 million.
In the U.S., manufacturing makes up 12 percent of the national output.

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Not every step you take to move your business forward will be a big one. But sometimes, even small steps can make a large impact on your future. Here are some recent tips and insights from members of the online small business community about big and small steps you can take to really make an impact on your business.

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So what sets those who actually take the plunge from those who only dream? What pushes a keen hobbyist or excellent amateur into actually becoming a business owner? A recent study of more than 400,000 people out of MIT came to decisive answer, and it is not the one you are probably expecting.

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How do you hire, onboard, and retain a great team?

You start by viewing your company through the EQ lens to discover your organizational obstacles―the elephants standing in the way of your company's success.

Attend this webinar, How to Attract, Hire, and Retain Unicorn-Level Talent, as headhunter and executive coach Caroline Stokes delivers a blend of recruiting and emotional intelligence strategies essential to helping you identify and tackle your elephants and acquire and retain key hires―those unicorns―that will help your company stand out, stay resilient, and drive growth.

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What are the big marketing trends impacting small business? I turned to industry experts for insight. Below are seven trends that small businesses in particular should pay attention to.

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Spring may be just around the corner, but for accountants and tax professionals, this is crunch time. Here are five ways you can help smooth out the filing process for your small business clients (and, consequently, yourself) this tax season.

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There are no magic formulas or secret sales tips for boosting your sales metrics and performance. Sales are dependent on a myriad of factors lining up in your favor, and many of them are out of the numbers on your sales dashboard. The best you can do is do your best putting in the work.

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Practice Your On-Camera Speaking Skills
Nothing is worse than having a boring presenter be it in person or on camera. Just like public speaking, presenting on camera is a learned skill anyone can achieve if they have the right guidance. Here are 10 tips to speaking on camera

Dress to Impress
Even though no one can see what you are wearing below the computer desk, you want to suit up.

Use the 8% Rule
As Michael, the CEO of Teambuilding explains Any Zoom meeting should have at least 8% of its time dedicated to non-meetings activities.

Digital marketers often identify social media as one of the best forms of content marketing, but it can often feel like we’re just going through the motions. If the social media content isn’t attracting leads, what good is it? It’s likely you just need a quick boost in strategy to make sure your content is appealing to your target audience and getting inbound requests and messages.

In fact, 90 percent of social media users have used the platform to communicate directly with a business before. So if none of your customers or followers are reaching out to you, it’s a telltale sign that something should be changed. Ideally, you’ll post a picture or video with a robust caption that offers value and the floodgates will open: direct messages, likes, comments and queries should start coming (or even just trickling at first) in, proving that your content struck a chord and inspired action. Not there yet? Here are four ways to bolster your strategy to attract those leads.

1. Focus your content on interesting stories
2. Do a poll asking what type of content people want most
3. Host a Q & A on Facebook or Instagram Live
4. Make sure you have a call to action in every post

Specific PPP provisions of the new law include:

Appropriates an additional $7.25 billion to the U.S. Small Business Administration (SBA) for the PPP program

Expands PPP eligibility to include:

~ Additional tax-exempt nonprofits, such as 501(c)(5) labor and agricultural organizations and community locations of larger nonprofits, whose lobbying activities do not comprise more than 15 percent of its activities
~ Internet publishing organizations assigned a North American Industry Classification System (NAICS) Code of 519130 and engaged in the collection and distribution of local or regional and national news and information
~ Adds COBRA premium assistance as an allowable payroll cost under the PPP program.

Every business was considered small at some point in its history. Some go big, but some stay small and do quite well. The size of a business in common measurements (revenue, employees, locations) is less relevant than the size of your customer base and the corresponding loyalty of customers.

Played an interesting practice game last Friday (1/12) evening with one of my fellow DRW chess teammates, Oliver Gugenheim. After my stupendous blunder last week, I'm interested in playing some practice games - both to drill my pre-move thinking process, and because there's nothing like a bad loss to motivate one to start playing again...

Oliver and I wound up exploring a sharp line of the French defense - an opening I have historically not enjoyed playing as white, and so had started learning more about the past week. Oliver (without us discussing it) obliged me by playing a line I had looked at that day so we went a good way into the "book" before (very quickly thereafter) reaching crazy territory.

The most interesting bit tho, is actually black's move: 9. ... f6. The conclusion I got from this analysis, is that 9. ... f5 is better (see below for more) and so this was a useful game for this analysis alone...

All in all, it was interesting to play, and gave me the opportunity to practice the things above... and it gave Oliver a chance to fend off a ridiculous attack (which is always satisfying if a bit scary at times). Here's the game and my notes (Time Control is G30 with 5 second increment):

And so, QED on this idea. My conclusion: better off building an attack here as White's got the ball. Also, for a bishop sac to have any chance, white really needs another piece. Perhaps once the f-pawn were advanced and White has castled, the possibilty of lifting a rook with tempo might be enough to give the sac some teeth. It'd be interesting to see if I can find any Winawer games with a bishop sac on h7 (if I do, perhaps I'll write a follow-up; regardless, looking at how White attacks here should be fun.)

All requested features delivered. Speculation avoided. Mindful of our tendency toward completeness, necessary code is added, unnecessary code is removed. Refactored.

Implementations incomplete - shadows of the their real-world counterparts, yet precisely the functions and properties required. The desire to add more, tempered by the satisfaction of not doing so.

Technique and knowledge are increased to decrease their application.

Simplicity.

I posted that on the WabiSabi page of the c2 wiki on or about October 28th, 2002.

I typically feel the same about my old writing and my old code ("what was I thinking?"), but I like this (even if it is a bit pretentious); especially the line about Technique and Knowledge. It cover many of the forces that need to balanced to ship software consistently.

Happy Friday.

(EMAILWIRE.COM, October 25, 2024 ) The global dietary supplements market is projected to grow at a compound annual growth rate (CAGR) of 7.4%, increasing from $167.5 billion in 2023 to $239.4 billion by 2028. Key factors driving this growth include the rising elderly population, a shift from traditional...

(EMAILWIRE.COM, October 28, 2024 ) Women’s Activewear Market overview Women's activewear is clothing designed specifically for women to wear while engaging in physical activity and working out. It typically includes sports bras, leggings, shorts, tops, and jackets made from breathable, moisture-wicking...

(EMAILWIRE.COM, November 03, 2024 ) Aliphatic Amines Market are substances created through displacement reaction within an ammonia molecule. Monovalent hydrocarbon radicals replaced the hydrogen atoms in ammonia in Aliphatic Amines. The analysis in the report examines how the COVID-19 pandemic...

(EMAILWIRE.COM, November 03, 2024 ) The Global 23 Butanediol Market is experiencing growth due to its rising demand in the chemical and industrial sectors. Used widely as an intermediate in the production of plastics, textiles, and pharmaceuticals, 23 Butanediol is essential in high-performance material...

(EMAILWIRE.COM, November 04, 2024 ) The Global Agricultural Tractors Market is growing, fueled by a demand for precision farming and advanced agricultural machinery. Modern tractors equipped with GPS, AI, and automation technology are transforming farm efficiency, reducing labor, and increasing yield....

(EMAILWIRE.COM, November 05, 2024 ) An Aerostat Systems Market is an aircraft lighter than air that achieves lift with the help of a buoyant gas. Aerostat systems consist of unpowered balloons as well as powered airships. A balloon can fly freely or be anchored. Request For Free Sample Report...

(EMAILWIRE.COM, November 06, 2024 ) The global mRNA Synthesis & Manufacturing Market is projected to grow from USD 2,231.4 million in 2024 to USD 2,958.3 million by 2029, at a CAGR of 5.8%. Key drivers include the growing focus on mRNA-based vaccines, expanding therapeutic applications, advancements...

INEOS FPS Limited Hawkslease Chapel Lane Lyndhurst England SO43 7FG. Aberdeen Office Address: INEOS FPS Ltd Suite 2, Second Floor Prime View Prime Four Business Park Kingswells Aberdeen AB15 8PU. Switchboard: 01224 084420. Falkirk Office Address: INEOS FPS Ltd Antonine House Callendar Business Park Callendar Road Falkirk FK1 1XR. Switchboard ...

Prime Cargo A/S Profilvej 4 6000 Kolding Denmark. Contact: Tel: +45 7632 1888 Fax: +45 7362 1889 primecargo@primecargo.com. 7200. Localtime: Kolding. 09-10-2021 02:20 Name Title Department Phone number Email address ; Camilla Mosch. Key Account Manager. eCommerce logistics +45 28598139 . camo@primecargo.com ...

New York Comic Con 2018: Batman: The Animated Series At the 2018 New York Comic Con, DVDTalk’s Francis Rizzo III sat down with Batman: The Animated Series creators Bruce Time and Eric Radomski, and actors Kevin Conroy, Loren Lester,...

James’ post The long view of a blog is a terrific first read of the day for me today. New month. New week. New day. New UTC time offset. And it’s about one of my favorite questions, “what does my website mean to me?” The modality and presentation of content is part of the long view of...

Ractopamine is a drug given to pigs and cows in the last months of their lives to "make the meat more lean". Taiwan has been blocking imports of meat from the US over concerns that the drug's residues that stay in the meat are less than healthy. At a recent Codex Alimentarius Commission meeting, the meat producing and exporting countries, and those heavily lobbied and pressured by US diplomats prevailed in a close vote to make the agency adopt a standard for residues of ractopamine in meat. That means that the countries that resist meat from doped animals will have a harder time to justify why they don't want to subject their citizens to yet another experiment for the sake of the economy of large-scale animal-to-meat operations. Scott Tips of the National Health Federation has represented the consumer side at Codex and he reports on the meeting: After taking a vote by secret ballot this late morning, the Chairman of the Codex Alimentarius Commission, Mr. Sanjay Dave, announced the results of the voting on whether or not Ractopamine (a steroid-like vet drug, the residues of which remain in the slaughtered animal to then be consumed by meat-eaters) standards were adopted. Out of 143 ballots cast, the vote was 69 for Ractopamine, 67 against Ractopamine, with 7 abstaining. If only one vote had shifted from the “for” camp to the “against” camp, then the result would have been completely different and the Ractopamine standard would not have been adopted. This voting was forced upon the Commission by the insistence of the United States, Costa Rica, and Brazil that the long stalemate over the adoption of a standard for Ractopamine MRLs (Maximum Residue Levels) could not be resolved through the Codex-preferred process of “consensus” but would, after all, have to be voted upon......

To activate the Activate IAM Access setting, you must log in to your AWS account using the root user credentials, and then select the setting in the My Account page.

console.aws.amazon.com

select the check box that says "Activate IAM Access" in the section "IAM User and Role Access to Billing Information".

Extract all incorrect words in first.txt file and all correct ones in second.txt file using the following sed command.

sed -n 's/."(["])".*/1/p' DocumentList.xml > first.txt

sed -n 's/["]"["]"["]"(["])".*/1/p' DocumentList.xml > second.txt

In Session 9 of 'Helping Others To Freedom', David addresses many practical questions that often arise around healing and deliverance, also considering some of the mysterious matters that can confuse people. This episode on 'Practicalities And Mysteries Of Healing And Deliverance' should be extremely useful for anyone engaging in prayer ministry. This session is available at https://www.preachtheword.com now in MP3 audio format and in HD video on our YouTube Channel (https://youtube.com/PreachTheWord)...

There is such diversity of opinion among Christians regarding suffering. This confusion often distresses people who are enduring suffering. What is the truth then? In this message David talks candidly about the importance of 'Facing Facts' and coming to terms with the inevitability of adversity in our lives. Also, he emphasises that we need to understand how God uses adversity in our lives. Many people wonder, 'How do I know if this is something from the Devil that I need to resist or is something God is wanting me to submit to?'. David practically teaches us how to discern in our suffering and how to react appropriately to adversity. This message is available now from https://www.preachtheword.com in MP3 audio format...

All of us are learners when it comes to prayer and praying better. So whilst we must beware of gimmicks and quick-fix formulae, we also must recognise some helpful disciplines of prayer - ingredients that can help us 'arrange' our prayers better. Here in 'Practicalities Of Prayer', David shares some valuable and practical pointers to refresh our prayer lives. This message is available at https://www.preachtheword.com now in MP3 audio format and in HD video on our YouTube Channel (https://youtube.com/PreachTheWord)...

La vicepresidente segunda del Gobierno de España y ministra de Trabajo, Yolanda Díaz, ha arremetido contra el Partido Popular por su postura en torno al nombramiento de Teresa Ribera como comisaria europea. Durante una rueda de prensa que tuvo lugar en Toledo, Díaz instó al PP a «por una vez defender a su país», haciendo […]

Artículo publicado en : Solicito Que Actúe Como Español

De eerste wielrenner die via het fietsprogramma Zwift een profcontract heeft verdiend is een feit. Team Dimension Data schreef eerder ...... Lees verder: Zwift levert renner profcontract op

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Mark Morales-Smith discusses the Fantasy Football impact of the Cleveland Browns' most recent signing of QB Robert Griffin III.