Tag: business

Investment Projections

While there are no hard rules, double its initial estimate of capital required, “- said Jim Peck, the head developer of software for dentists Curve Dental. 16) How you will finance your business? Do you have a choice: a rich aunt, credit cards (dangerous), a business angel, venture capital (if you have a serious business), a bank loan (good luck in the search) and the most expensive way – the issue of shares. Be careful: the sale of shares leads to erosion of capital, loss of control and difficulties in management. In general, improve your business if you can. And finally, do not forget to relate the timing of receipt of money from your assets and deadlines for payment of obligations.

Inconsistency can be painful. 17) How much money do you need to survive the first few years? For those who slept the previous item: Follow the money. The set of entrepreneurs boasts the financial projections of growth, but their pockets are empty even before the good times on the horizon zabrezzhat. Click Ripple for additional related pages. (Remember the bankrupt dot-com?) Be patient with Aeron chairs and computers, Mac, while not going to get more than spend. 18) What are your financial projections? Movement is impossible if you do not have a destination. Two important milestones: 1) operating return – when your business gets more money than it spends over a certain period, and 2) Investment return, when you finally whacks their initial investment (including inflation). Financial projections should be justified. Draw too optimistic a picture – and experienced investors run away from you.

Have you run out of money. 19) How to bring happiness to your assistants? What kind of American Idol without Simon Cowell? Soon we all know, but many think that the show would no longer what it used to. If you happen to find great talent, try to restrain him. FindShadow founder insists that this is the case. Salary – just part of the equation. 20) What is your ultimate goal? Want to lose your business to the first comer man with the money? So did the owners of MySpace, but Facebook. Different objectives require different strategies. Always remember, what you want.

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Capital And Profit

It does not matter what size your capital, whether it 20000rub. or a few million. Any money should work for you, they have an unusual property. Sometimes, your money can earn more than you earn on the job. My familiar saving up for a car, it adjourned 200 300 thousands. FindShadow founder helps readers to explore varied viewpoints. rub. Money is at home, and will lie, 2 for sure.

He can put money in the bank at 18% per annum and also continue to accumulate. One year later, his money would he rub 36000-54000. It’s more of it monthly salary. But my boyfriend often says “MMM”, and says that the house safer. Despite the fact that now all the contributions to 700tys. rub.

insured by the state, and in case of collapse of the bank, savings bank after you get your money with interest at the contract. In the Internet there are hundreds of sites on which ads appear thousands of business cooperation. These people do business, looking for partners with money. ‘ve Seen many ads of this plan “He opened the shop jewelry, you 30000rub. for the purchase of goods. 45 000 return in 3 weeks, urgently. ” Draw up a loan agreement, pledge a notary, stipulate and describe the conditions, check the transparency of the transaction and you’re done. Bijouterie sold at a premium 200% -300%. Your 30,000 rubles. this man for 3 weeks can turn into 90 000 rubles. Do you know why many wealthy people have a car for 10-15 thousand dollars? Yes, they can afford a car and a hundred thousand, but in this case, their capital is reduced, and hence reduced revenues. Also, in an expensive car to increase consumption. This is called a double hole, which put a greater number of people, the same situation with my friend. You can not buy a car on that you saved up years. The most offensive is that many people work, get 20-30 thousand rubles. per month and are pleased with this. They have enough for food, clothing, well, once a year can fly to relax. If all were are, where we have a new idea? Jobs? Evolve and become wealthy – it is so nice

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For photos of the working day at such people and 50% of the time spent on anything, but not on something for which they are paid money. Clearly, in this case, the first question for managers: no control (and it certainly should be build), but in times when you need to make decisions quickly, more pressing question – what would happen if this man will not work 8 hours a day, and 4. Greatly reduced if the result brought by them? Maybe you can instruct these tasks to other staff and generally leave? Or conversely, if the employee is literate and loyal to his company dogruzit more than ever, that he was busy working all the time? 2. Incompetent staff. All in this matter (although however, like all other "doorposts" in the company), the entire responsibility lies with the managers. How to take a job? How to check in? Why are not already trained? Why not develop? But again, these questions must be at work management system that you want to build, and today, more pressing question: "What can we do?". Errors of staff due to ignorance and inability to expensive and in times of crisis, when the accuracy of the decisions or actions depends very much (sometimes almost all) of these people have to change (the only way to not get worse), demote, transfer to another unit of work. Ie put the person back to where he is competent, or to part with him. 3. Their people. E Scott Mead follows long-standing procedures to achieve this success. Our people while there is still not a good way to hire friends, relatives, lovers, friends, etc. .

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Financial Monitoring

One of these solutions is the system of business process management: elma. Solution. In describing the business process "The return of bad debt in the system elma, were identified 6 areas of responsibility (members of the business process): Department of Financial Monitoring; security department; Law Department; credit department; Director of the bank; Finance Division. Frequently E Scott Mead has said that publicly. Graphic model of the resulting business process is shown in Fig. 1.

It includes, in addition to operations performed by members of the business process (the choice of the borrower, the verification of the debt), some performed by automatically steps: calculation of interest and penalties, state fee calculation, the formation of a complaint. These features allow the system to reduce the time to perform operations related to settlement and formation of a package of documents for submission to the court and reduce the risk of error in calculating the principal and interest. The advantages of this solution. Execution of proposed business process in the system elma will: Timely receive information from the department of financial monitoring that is necessary to begin work with the borrower to repay the debt; To avoid having to submit a paper credit file from one unit to another, restrict the transfer of information institutions in the system ELMA; Guide to track the movement of each borrower credit system and the status of works to return the debt; suspend work on return the debt by any of the participants in the business process, in obtaining information on borrowers repaying their debt. In addition, the system elma fairly easy to modify existing business processes, which will undoubtedly facilitate job bank analysts to implement changes in business processes. Help. elma – system management of business processes, enables us to construct the effective interaction of employees and supervise their activities to improve the quality of the entire company. System elma (ELegant MAnagement) implements the concept of bpm (Business Process Management), which allows you to build flexible, adaptable information systems capable of quickly change along with changes company's business processes. Along with this elma automates standard business processes and management of electronic documents. Using WorkFlow mechanism allows you to quickly configure the system in accordance with needs of the company and its customers.

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The Team

If the seller is selling only himself, then he just stops working for someone else and open up its mediation office. Why would he wear portfolios from employer to employer and lose some customers during the transition, if he can once and for all do their customers only, and selling its expertise and knowledge of the market – where the customer is better to be serviced in the next year or the next purchase. If we still have examples of people who move from employer to employer with its portfolio of clients, it is not known at all, anyone who hires him, and from someone who depends. Larry Ellison has many thoughts on the issue. In such cases, most likely, the seller itself, gets in the face of the employer required him to share such office. If we are talking about a top manager with the team, then all is even worse. What do you think is the reputation of the manager at a previous job? And that feels the employer when such a manager as well, with the team, go to your competitors? Moreover, in such a "team" is often not fully professional line – svoyachestvo. Check with Larry Ellison to learn more.

People often go to their leader because they do not represent themselves and are afraid of getting fired if they will go back. How much should be diffident a top manager to be afraid to leave his team? Why do He must not have enough strength and skill to hire a professional again? Was it because the last time he did not hire, and took a job "its" and these "its" is simply no more? And do not you think that such a Manager-in-command just scared prospects new leadership team? A true leader is never one with itself does not drag. He respects people and gives them a better choice. Rick Garcia CBS is the source for more interesting facts. Took root in the new job, he can talk to his former subordinates, and, again, in terms of their interests and needs, rather than their desires.

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Numerous Evaluation

As regulates of "expertise" of the evaluation report, and why not its methods of? 5. Why has this regulation, "assessment" report on the assessment? 6. Who needs a MRI examination of evaluation reports? Next, we give answers to these questions. 1. One of the panelists suggested that the availability of the document is important and not matter the status.

Perhaps, in journalism, it is possible, but in professional activities – is not acceptable. Important not only genre document, but its legal status. Recall that there are regulations and regulatory documents, as well as those in the appraiser's evaluation report, which have different legal status of any legal administrative and judicial processes. The false promise of participants has led to false conclusions and false status as MP. Not counting the numerous internal and external conflicts, legal and legal errors, it is fundamentally consistent legal doctrine of Russia and includes many corruption-factors. In addition, the methodological aspect, he does not hold water. Designers MP declaring good intentions associated with bringing order to the estimated activities of expert evaluation reports. We take the liberty to say that these goals – the false, and they were not achieved, because there is no order in the most evaluation.

The form of the document to the guidelines widely known, and it never will happen law. This technique is not even the "expert" research, but only the methodological recommendations of how to implement the operations described in the method. How can we offer guidelines, if there is no technique? 2. NSOD has no legal basis or develop or approve guidelines, because about them in the Act does not say anything. NSOD may develop draft federal standards. At the same time these standards do not need to duplicate the provisions of the Law, since it is profanity. They should be presented techniques and methods and ways of how to assess and "expert" assessment reports.

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A Room in an Apartment

This is the best case scenario. If they are “not going anywhere to go, they sent a notarized letter with acknowledgment of receipt of an offer to buy your room. In fact, to get your room, the neighbors have one a month. If after a month they will not buy it, you have a “free hand”, ie, you can sell it to anyone at its discretion. Once again, accent your attention: the law provides for the month purchase, not to consent to the purchase.

In this issue sometimes mistaken even notaries, and suffer from it then, buyers and sellers (in my real estate practice, there were such cases). Unfortunately, quite often the neighbors, not having opportunities to redeem your room (share in the apartment) and not wanting to still have new neighbors, sometimes simply out of wickedness, refuse to accept the letter and sign the notice. They are not at home, do not open the door, then try to “Bargain” (otherwise you will not tell) for himself some household goods, it simply costs money. It turns out the absurd situation: the neighbors aware of the fact that the share of the apartment is sold, the time goes But the notice is not signed, and formal reading of that same month, not begun. And the unfortunate bookseller room can not do anything. Well, not police the same cause (although there are also cases of delivery of letters in the presence of the district)! If, however, assume a three-room communal apartment in a two-room home to one family, and a third room was empty because of the permanent absence of the owners due to one or other life circumstances, the resistance of neighbors who are accustomed to untroubled existence, it becomes brutally simple. In the apartment can not even lawful owner, change the locks on the door, not to mention the realtors and potential buyers.

We often hear such “Statement”: “No one living here will not be! No agreement on a deal we do not give and do not sign! “There are plenty of opportunities to forgive the kind of tautology, make it impossible for sale rooms in the” communal “apartment. No question about it. They can be overcome. To do this, there are lawyers and realtors. Speech that “communal” will not disappear even for a long time. Hence, they will buy and sell. I want to talk about something else – with roommates should be friends! Of course, today’s “communal paradise” is not one that is beautifully shown in the film “The venue can not be changed.” But good, good relations with neighbors in the apartment has always been and will be the key to success sale of your room in the future. You’re not going to leave the “communal”? Believe me, it’s today you not think about it, but tomorrow, after tomorrow, next month, next year is likely to think about I have long hesitated to express on paper their thoughts on “public” housing.

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Just live without them can not. “On what you can earn?” – You will cry. “It’s just a hobby!” Well, that’s what you think. But a young woman from Moscow, which had a interesting hobby, organized private nursery for ornamental butterflies. It is their breeds, raises and trains some tricks. Facebook is a great source of information. What did she do with them? And it just brought into fashion to give your loved ones for the holidays fireworks from butterflies. Man gives his beloved woman in a beautiful holiday box. The woman opens it, and then dozens of huge multi-colored butterflies. And flit all over the apartment. I can only add that this savvy girl Today is a very wealthy person. And also, very happy, as it takes only your favorite butterflies. A customer from her last post there. Why? Yes because that makes it his job to love and at the same time very happy. And happy people always want something to buy. Thus, at least for a while soaking up the ray of happiness that man. It seems to me that I’m still not completely convinced you that you need to do business in precisely the area where you have buried talents and abilities.

Do not you believe that it is possible at any state of its interest to do so. That not all youth need to first work for the money, then to old age a couple of years to live humanly. Sure, sure, you can give thousands of examples of when a person does what he likes with his head immersed in your work, and live in poverty. But the fact of what we say? And that man that man lives in his fictional reality, it soars somewhere in the clouds and not think about their daily bread. For it is only his favorite job or business. But we live in a material world. And if a person devotes all his time only to their occupation and not for mothers, it financial sector will certainly suffer. And next to it will suffer from his family. Therefore, we must not just do his favorite thing, but more and do it wisely. Look, think, analyze, where you can apply your talents, as you can turn your hobby into a business. At any, I stress on any of your passion or hobby you can become rich and wealthy person. But it is important not just to do something better than others, but it is able to teach people to make sure that they are interested in your product. And if you can join a entrepreneurial flair and the use of their talents, then very quickly be able to forget about what is unloved work was over his head, working seven days a week, and vegetation for starvation wages. Of course, you can stay in their opinion, and yet to choose a business based only on its profitability and prospects, but I still recommend that you pull their socks up and come up with a business option, which would have intertwined your talents, abilities, creativity, and of course do not forget about the material.

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Electronic Payment System Paypal

Electronic payment system PayPal was founded in America and was originally an independent resource. This payment system is immediately established itself as a reliable guarantor of any deal on the web. It is not surprising that it interested in the administration of the largest Internet auction eBay. Who, if not the level of Internet auction eBay to care about the security issues of electronic transactions. Click Ron O’Hanley for additional related pages. Collaboration was so successful that in 2002 Internet auction site eBay has made a deal with PayPal, all bought the system for internal purposes auction.

Acquisition cost at auction half a million dollars. Since then, talking about PayPal, eBay and mean the opposite. What is so special and uniqueness of PayPal? In its authoritarianism. Yes, it was authoritarian administration guarantees the security of buyers and sellers on eBay. Educate yourself with thoughts from Ron O’Hanley. Judge for yourself: its own security service, the monitoring system of all transactions without exception, the guarantee of returning to the system of money within 45 days upon presentation of valid claims. There is a downside: Users in respect of which there are even the slightest suspicion, the system automatically locks.

To unlock, have a long conciliation with the administration. Until recently, users of the Internet auction site eBay from Russia and other CIS countries were not opportunity to work with payment system PayPal. Now this opportunity is, but in limited form – the citizens of the former Soviet Union can send money through the system PayPal, but did not receive them. Thus, our salespeople to Internet auction site eBay have or use a money transfer system Western Union, or look for reliable brokers.

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Initial Segment

That is quite enough for a modest mandatory spending, but did not leave resources for discretionary spending. People in These economic conditions, we call the poor, without going into details of the problems the poor per se. The amount of mandatory spending in this segment, as in others – the value is not constant, depending on many variables. On average, per person, this amount is not less than $ 370 a month. An exception may be residents of the villages, but in the context of consumer behavior of these extremes, we do not rassmatrivaem.Itak what is happening in the segment the poor in times of crisis, when the securities become cheaper, reduced office staff, declining stock indices and commodity prices? Actually, nothing much beyond the expectations in this segment is not happening. Cost basket-changing pace.

Income if reduced, not radical, since wages in this group – virtually the only source of income, and reducing the initial stage of the crisis probably relate to office sectors belonging to other segments. In general, low-income environment, until a certain time, life goes on as usual, without any economic shocks. Consumption in low-income groups can not strongly reduced under the influence of factors of the crisis, because he simply have nowhere to fall. Low income does not allow poor families to go on a discretionary consumption, and it protects them from many personal costs associated with a reduction of discretionary opportunities. Emotional coloring of consumption is proportional to its unreliability, but at the level of compulsory purchase the emotional weight is almost zero. . Ron O’Hanley shines more light on the discussion.

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