Our CPA firm presented simple steps that businesses can take to survive the current economic downturn and help their businesses soar over their competition. The seminar was presented by Chad & Donna Bordeaux of Bordeaux & Bordeaux, CPAs, PA to the Belmont Chamber of Commerce.
A great paper penned by my colleague Ian Smith that addresses common concerns of business owners with respect to a sale of their business. If you are currently considering your options, or have a client that is currently considering an exit, please feel free to reach out to us directly and we'd be happy to have a chat.
Quick Books Managing Your Business FinancesCheryl Blazej
This document from Blazej Accounting provides an overview of financial management essentials for small businesses. It covers topics like the importance of accounts, using financial reports to understand sales and cash flow, establishing a chart of accounts to categorize transactions, and choosing an accounting method. The document aims to help small business owners better manage their business finances.
George & Company is a mergers and acquisitions firm located in Worcester, MA with over 30 years of experience. The principals have experience owning and managing both small and large companies. George & Company will appraise the value of a business, generate a marketing plan, and help attract the right buyer at the right price. The process of selling a business involves assembling an experienced team, determining the business value, cleaning up financials, preparing marketing materials, managing inquiries from potential buyers, and dealing with potential deal breakers throughout negotiations. Recasting financial statements changes them from a tax basis to an economic view of earnings capacity for buyers.
Are you ready to raise capital for your Salesforce business? Do you have a plan? Rob Belcher of Lighter Capital and Sirk Roh of Early Growth Financial Services walk through the fundraising essentials and pitfalls you need to know about.
This webinar focuses on:
- Fundraising and business planning strategy
- What's most important for different funding options - from venture capital through to revenue-based financing
- Preparing the necessary materials and documentation to successfully raise capital
This webinar is designed to give you the best chance of meeting your capital raising goals for your next stage of growth.
This document discusses the pros and cons of buying a building for one's business. It covers conducting a lease vs. buy analysis, researching the local real estate market, finding the right building, qualifying for financing, types of financing available including conventional, SBA 504 loans, managing tax deductions and appreciation over time, and different ownership structures. Experts in commercial real estate, financing, and taxes provide advice on each of these topics to help business owners determine if purchasing a building makes financial sense for their specific situation.
A quick guide to the basics of budgeting and the fundamentals of forecasting.
In this presentation focussed on finance for founders, you'll learn about budgets, when to use them, different types of budeting methodologies as well as the process of forecasting and modelling.
The document provides information about workshops and services offered by the Illinois Small Business Development Center to help small businesses. The SBDC offers one-on-one counseling, assistance with business plans and strategies, help securing loans, and workshops on topics such as starting a business, marketing, accounting and finance, legal requirements, and using technology. Workshops are available at various locations in English and Spanish and cover subjects like business plans, QuickBooks, marketing, legal entities, and using websites and email marketing.
Flat6 Labs Bahrain Cycle 5 Bootcamp Day 1Dave Parker
04.12.2020 Flat6 Labs Bahrain Cycle 5 Bootcamp with Dave Parker.
Awkward Co-Founder Discussions
Competitive Analysis
Value Propositions
Customer Development Mechanics
A great paper penned by my colleague Ian Smith that addresses common concerns of business owners with respect to a sale of their business. If you are currently considering your options, or have a client that is currently considering an exit, please feel free to reach out to us directly and we'd be happy to have a chat.
Quick Books Managing Your Business FinancesCheryl Blazej
This document from Blazej Accounting provides an overview of financial management essentials for small businesses. It covers topics like the importance of accounts, using financial reports to understand sales and cash flow, establishing a chart of accounts to categorize transactions, and choosing an accounting method. The document aims to help small business owners better manage their business finances.
George & Company is a mergers and acquisitions firm located in Worcester, MA with over 30 years of experience. The principals have experience owning and managing both small and large companies. George & Company will appraise the value of a business, generate a marketing plan, and help attract the right buyer at the right price. The process of selling a business involves assembling an experienced team, determining the business value, cleaning up financials, preparing marketing materials, managing inquiries from potential buyers, and dealing with potential deal breakers throughout negotiations. Recasting financial statements changes them from a tax basis to an economic view of earnings capacity for buyers.
Are you ready to raise capital for your Salesforce business? Do you have a plan? Rob Belcher of Lighter Capital and Sirk Roh of Early Growth Financial Services walk through the fundraising essentials and pitfalls you need to know about.
This webinar focuses on:
- Fundraising and business planning strategy
- What's most important for different funding options - from venture capital through to revenue-based financing
- Preparing the necessary materials and documentation to successfully raise capital
This webinar is designed to give you the best chance of meeting your capital raising goals for your next stage of growth.
This document discusses the pros and cons of buying a building for one's business. It covers conducting a lease vs. buy analysis, researching the local real estate market, finding the right building, qualifying for financing, types of financing available including conventional, SBA 504 loans, managing tax deductions and appreciation over time, and different ownership structures. Experts in commercial real estate, financing, and taxes provide advice on each of these topics to help business owners determine if purchasing a building makes financial sense for their specific situation.
A quick guide to the basics of budgeting and the fundamentals of forecasting.
In this presentation focussed on finance for founders, you'll learn about budgets, when to use them, different types of budeting methodologies as well as the process of forecasting and modelling.
The document provides information about workshops and services offered by the Illinois Small Business Development Center to help small businesses. The SBDC offers one-on-one counseling, assistance with business plans and strategies, help securing loans, and workshops on topics such as starting a business, marketing, accounting and finance, legal requirements, and using technology. Workshops are available at various locations in English and Spanish and cover subjects like business plans, QuickBooks, marketing, legal entities, and using websites and email marketing.
Flat6 Labs Bahrain Cycle 5 Bootcamp Day 1Dave Parker
04.12.2020 Flat6 Labs Bahrain Cycle 5 Bootcamp with Dave Parker.
Awkward Co-Founder Discussions
Competitive Analysis
Value Propositions
Customer Development Mechanics
Mobile devices store significant amounts of sensitive personal and work data, making them targets for theft and hacking. While Android includes some security features like encryption and password storage, it lacks a secure way to store other sensitive data locally. The document proposes a Secure Storage application that allows users to selectively encrypt important files and texts on their Android device for local storage, without relying on cloud services or making the entire file system encrypted. The application uses a password-based encryption standard to securely generate encryption keys and encrypt the sensitive data files and texts. This provides a flexible and secure way for Android users to store sensitive local data without compromising the entire device or needing internet access.
The document discusses the benefits of exercise for mental health. Regular physical activity can help reduce anxiety and depression and improve mood and cognitive functioning. Exercise causes chemical changes in the brain that may help boost feelings of calmness, happiness and focus.
Here\'s a small "icebreaker" presentation that I used to set the stage for SiCortex technical briefings. TACC folks, this is a joke - all in good fun!!!
This document discusses user models and predictive modeling techniques for interface design. It covers Fitts' law for predicting pointing and selection times based on target size and distance. The keystroke-level model is presented for estimating times of complex tasks as the sum of basic operations. Guiard's model of bimanual control and neural networks are described as ways to predict more complex interactions like menu placement. Predictive models allow mathematical performance predictions while descriptive models provide frameworks for understanding problems. Both have limitations and should be used alongside user testing.
Our hotel will be built in Sydney to attract tourists looking to rest. It will use wind turbines and solar panels to generate excess power, saving money while also gaining revenue from selling excess power back to the grid. The hotel owners spent $20,000 each on 16 solar panels and $2,500 each on 3 wind turbines. Waste is removed from the building through connected pipes that drain to a waste pool and is later burned.
Este documento resume:
1) La necesidad de actualizar los patrones de referencia para la clasificación nutricional en Colombia debido a las limitaciones del estándar NCHS de 1977.
2) El estudio multicéntrico de la OMS de 2006-2007 que estableció nuevos patrones de crecimiento infantil basados en niños de 6 países que recibieron alimentación y cuidados ideales.
3) La nueva resolución de 2016 en Colombia que adopta estos patrones de la OMS e incluye la clasificación de adultos y gestantes
This document appears to be an instruction manual or specifications for a product called the KS-RZ11DA. It includes images of the product which show it has a detachable control panel, buttons labeled LOUD, SEL, MO, SSM, DISP, SCAN and SOUND. It also lists the power output as 40W x 4.
La amistad es un vínculo importante entre las personas que se basa en la confianza, el apoyo y el respeto mutuo. Compartir tiempo juntos, escucharse el uno al otro y brindarse apoyo son elementos clave de una amistad saludable. Las amistades verdaderas pueden durar toda la vida.
La amistad es un vínculo importante entre las personas que se basa en la confianza, el apoyo y el respeto mutuo. Compartir tiempo juntos, escucharse el uno al otro y brindarse apoyo son componentes clave de una amistad saludable. Las amistades verdaderas pueden durar toda la vida.
Este documento describe un proyecto de atención integral a la población infantil en el municipio de Yumbo. El proyecto aplicará las estrategias IAMI, AIEPI y PAI para mejorar la salud de los niños menores de 6 años. El proyecto capacitará al personal de salud y a la comunidad, realizará valoraciones médicas a niños, y educará a los padres sobre el cuidado infantil. El objetivo es mejorar la nutrición, salud y desarrollo de los niños en Yumbo.
The document outlines the typical life cycle stages of a product, from design and material acquisition through manufacturing, packaging, distribution, use, and eventual reuse, recycling, or disposal. It provides examples and considerations for each stage. Students are expected to choose a product and research its life cycle, displaying the information on a poster. The poster should show the stages and include a world map indicating where materials are sourced and the product is distributed. It should also include the student's opinion of the product's environmental impact.
The document outlines the 12-day itinerary for the 2010 Bell High School 65th VE Day tour of sites related to World War 2 in Europe. The itinerary includes visits to memorial sites in Paris, Normandy, Belgium, and Germany from April 29 to May 10. The tour commemorates VE Day and visits important locations such as Versailles, Notre Dame, Arromanche Beach, Vimy Ridge Memorial, Menin Gate Memorial, and sites in Berlin, Potsdam, and the Netherlands.
This document provides information about a business sales company located in Seal Beach, California. It offers services to help business owners buy, sell, and grow companies. The company has expertise in manufacturing, distribution, retail, and services. It takes a team approach to sales and works with various partners including corporations, accountants, and lenders. The document outlines questions the company will ask current business owners considering a sale and details the preparation and execution process to facilitate a successful sale transaction.
The document summarizes the agenda and goals of the 5th Annual Pharmaceutical Meeting Management Forum in 2009. The forum aimed to provide tips to corporate planners and suppliers on preparing for increased scrutiny of pharmaceutical meetings through various audits, including financial, procurement, compliance and business process audits. It emphasized the importance of documentation, transparency, understanding policies and regulations, and maintaining open communication between all parties. The agenda included deep dives into specific audit types and an open question and answer discussion.
Mobile devices store significant amounts of sensitive personal and work data, making them targets for theft and hacking. While Android includes some security features like encryption and password storage, it lacks a secure way to store other sensitive data locally. The document proposes a Secure Storage application that allows users to selectively encrypt important files and texts on their Android device for local storage, without relying on cloud services or making the entire file system encrypted. The application uses a password-based encryption standard to securely generate encryption keys and encrypt the sensitive data files and texts. This provides a flexible and secure way for Android users to store sensitive local data without compromising the entire device or needing internet access.
The document discusses the benefits of exercise for mental health. Regular physical activity can help reduce anxiety and depression and improve mood and cognitive functioning. Exercise causes chemical changes in the brain that may help boost feelings of calmness, happiness and focus.
Here\'s a small "icebreaker" presentation that I used to set the stage for SiCortex technical briefings. TACC folks, this is a joke - all in good fun!!!
This document discusses user models and predictive modeling techniques for interface design. It covers Fitts' law for predicting pointing and selection times based on target size and distance. The keystroke-level model is presented for estimating times of complex tasks as the sum of basic operations. Guiard's model of bimanual control and neural networks are described as ways to predict more complex interactions like menu placement. Predictive models allow mathematical performance predictions while descriptive models provide frameworks for understanding problems. Both have limitations and should be used alongside user testing.
Our hotel will be built in Sydney to attract tourists looking to rest. It will use wind turbines and solar panels to generate excess power, saving money while also gaining revenue from selling excess power back to the grid. The hotel owners spent $20,000 each on 16 solar panels and $2,500 each on 3 wind turbines. Waste is removed from the building through connected pipes that drain to a waste pool and is later burned.
Este documento resume:
1) La necesidad de actualizar los patrones de referencia para la clasificación nutricional en Colombia debido a las limitaciones del estándar NCHS de 1977.
2) El estudio multicéntrico de la OMS de 2006-2007 que estableció nuevos patrones de crecimiento infantil basados en niños de 6 países que recibieron alimentación y cuidados ideales.
3) La nueva resolución de 2016 en Colombia que adopta estos patrones de la OMS e incluye la clasificación de adultos y gestantes
This document appears to be an instruction manual or specifications for a product called the KS-RZ11DA. It includes images of the product which show it has a detachable control panel, buttons labeled LOUD, SEL, MO, SSM, DISP, SCAN and SOUND. It also lists the power output as 40W x 4.
La amistad es un vínculo importante entre las personas que se basa en la confianza, el apoyo y el respeto mutuo. Compartir tiempo juntos, escucharse el uno al otro y brindarse apoyo son elementos clave de una amistad saludable. Las amistades verdaderas pueden durar toda la vida.
La amistad es un vínculo importante entre las personas que se basa en la confianza, el apoyo y el respeto mutuo. Compartir tiempo juntos, escucharse el uno al otro y brindarse apoyo son componentes clave de una amistad saludable. Las amistades verdaderas pueden durar toda la vida.
Este documento describe un proyecto de atención integral a la población infantil en el municipio de Yumbo. El proyecto aplicará las estrategias IAMI, AIEPI y PAI para mejorar la salud de los niños menores de 6 años. El proyecto capacitará al personal de salud y a la comunidad, realizará valoraciones médicas a niños, y educará a los padres sobre el cuidado infantil. El objetivo es mejorar la nutrición, salud y desarrollo de los niños en Yumbo.
The document outlines the typical life cycle stages of a product, from design and material acquisition through manufacturing, packaging, distribution, use, and eventual reuse, recycling, or disposal. It provides examples and considerations for each stage. Students are expected to choose a product and research its life cycle, displaying the information on a poster. The poster should show the stages and include a world map indicating where materials are sourced and the product is distributed. It should also include the student's opinion of the product's environmental impact.
The document outlines the 12-day itinerary for the 2010 Bell High School 65th VE Day tour of sites related to World War 2 in Europe. The itinerary includes visits to memorial sites in Paris, Normandy, Belgium, and Germany from April 29 to May 10. The tour commemorates VE Day and visits important locations such as Versailles, Notre Dame, Arromanche Beach, Vimy Ridge Memorial, Menin Gate Memorial, and sites in Berlin, Potsdam, and the Netherlands.
This document provides information about a business sales company located in Seal Beach, California. It offers services to help business owners buy, sell, and grow companies. The company has expertise in manufacturing, distribution, retail, and services. It takes a team approach to sales and works with various partners including corporations, accountants, and lenders. The document outlines questions the company will ask current business owners considering a sale and details the preparation and execution process to facilitate a successful sale transaction.
The document summarizes the agenda and goals of the 5th Annual Pharmaceutical Meeting Management Forum in 2009. The forum aimed to provide tips to corporate planners and suppliers on preparing for increased scrutiny of pharmaceutical meetings through various audits, including financial, procurement, compliance and business process audits. It emphasized the importance of documentation, transparency, understanding policies and regulations, and maintaining open communication between all parties. The agenda included deep dives into specific audit types and an open question and answer discussion.
This document provides an overview of Rite Aid's business initiatives to unlock value in the company. Key points include:
1) Rite Aid is segmenting its stores based on factors like sales volume, customer demographics, and growth potential to focus efforts in areas with the highest returns. Store segmentation could create a $200 million opportunity.
2) Initiatives include strengthening Rite Aid's customer value proposition through strategic pricing, private brand penetration, and improved health/wellness positioning.
3) Other initiatives involve assortment optimization to better meet local customer needs, reducing supply chain and inventory costs, lowering labor costs through a new operating model, and pursuing indirect procurement and administrative cost savings.
4
Quick Books Managing Your Business FinancesDonnaKizer
This document from Blazej Accounting provides an overview of financial management essentials for small businesses. It covers topics like the importance of accounts, using financial reports to understand sales and cash flow, establishing a chart of accounts to categorize transactions, and choosing an accounting method. The document aims to help small business owners better manage their business finances.
This document summarizes Remco Brouwer's presentation about how Procter & Gamble transformed IT from a back office function into a strategic asset. It discusses how P&G created Global Business Services (GBS) to consolidate redundant business services globally. GBS established global service centers and partnerships to reduce costs by $1.2 billion while improving services. Examples are provided of how P&G uses virtualization, customer data, real-time decision tools, tailored reporting, and personalization to gain competitive advantages in the market.
The document discusses launching a new small business. It outlines that while economic challenges remain, opportunities also exist for starting a business now like cheaper rent and resources. A business plan is important to reduce risks, clarify vision, and communicate with others. Key components of a business plan include products/services, marketing, management/organization, and financial plans. The document provides details on what to include in each component and concludes by listing resources available to help launch a new small business.
This document provides guidance on refining a business plan for different audiences and business types. For raising capital from banks or investors, include details on funding needs, use of funds, growth plans, returns, and exit strategies. For different business types like manufacturing, services, technology, and retail, tailor the plan to address factors specific to that industry and business model.
The document discusses launching a new small business. It outlines objectives like discussing starting a business in the current economic environment and the importance of a business plan. The document explains the key components of an effective business plan, including the product/service plan, marketing plan, management and organization plan, and financial plan. It also provides resources available to help launch a new small business.
This document summarizes the services provided by Accounting & Compliance International (ACI) to help clients navigate increasing financial regulation. ACI offers registration assistance, compliance programs, accounting services, and risk management performed by former regulators and compliance experts. Their services are designed to help clients understand their regulatory obligations, identify risks, and ensure accountability.
Corpzo is a corporate compliance organization with a global presence that aims to ease business compliance and support business growth. It has over 1000 legal, finance, and banking professionals to help entrepreneurs navigate legal compliance and financial risks. Corpzo offers a range of professional services including business incorporation, licenses and permits, legal and financial services, taxation support, intellectual property protection, and more. The organization's goal is to help businesses focus on their core ideas while Corpzo handles all other compliance and back office functions.
Shutterfly reported financial results for Q1 2009. While total net revenues increased 5% year-over-year to $36 million, the company reported a net loss of $6.2 million compared to a $3.6 million loss in Q1 2008. However, Adjusted EBITDA was $0.1 million, an improvement from a $0.7 million loss in Q1 2008. Personalized products and services revenues grew 19% year-over-year. Management highlighted initiatives to increase revenues from photo books, cards and stationery, as well as improvements to sharing sites. Guidance for Q2 and full year 2009 was also provided.
Odigo Marketing has developed an innovative technology called MyBusinessMVP that connects small businesses with on-demand productivity solutions from various web service providers. MyBusinessMVP aims to address the challenges small businesses and web service providers face in marketing to and serving small businesses by providing a one-stop-shop platform for consulting with clients and purchasing multiple web services. Odigo plans to launch MyBusinessMVP through retail channels, reseller groups, and online directories to tap into the growing small business web services market and provide recurring revenue opportunities for partners.
Honeycutt, Smith - Value Driver Analysisphoneycutt
The document discusses a value driver analysis that can help business owners plan for exiting their business. It provides an overview of the current market for business sales and challenges most owners face in exiting. The value driver analysis will identify financial needs and resources, areas to focus on to increase business value, and recommendations. It will establish an exit plan, find ways to boost value drivers like cash flow and customer base, and create a course of action to allow owners to exit their business successfully.
This document introduces Steve Tennant and his consulting firm Tennant Consulting. The firm works with startups and growing software and internet companies. It provides a range of services including strategy, marketing, product management, alliances, and venture capital. Tennant has over 30 years of experience in roles such as programmer, analyst, product strategy director, and VP of business development. He has worked with over 300 companies and given speaking topics on entrepreneurship, market analysis, and product management.
Trajectory Startup Program Session 2 (Cairo cycle 16)Dave Parker
This document summarizes the agenda and content of Session 2 of a startup bootcamp. The session covers 14 revenue models for startups, pricing strategies and metrics, go-to-market strategies, and obtaining product-market fit. It provides details on each topic, including definitions and examples. The document contains copyright information and is presented by Dave Parker.
This document discusses key aspects of developing a business succession plan. It explains that a business succession plan is a strategic process that provides a roadmap for transitioning business ownership, whether due to retirement, illness or death. The document outlines why every business needs a succession plan to maximize value, minimize taxes and ensure the survival of the business. It also describes the typical components of a succession plan, including establishing goals, identifying successors, addressing family and estate planning issues, and implementing an exit strategy.
Part 2 Deep Dive: Navigating the 2024 Slowdownjeffkluth1
Introduction
The global retail industry has weathered numerous storms, with the financial crisis of 2008 serving as a poignant reminder of the sector's resilience and adaptability. However, as we navigate the complex landscape of 2024, retailers face a unique set of challenges that demand innovative strategies and a fundamental shift in mindset. This white paper contrasts the impact of the 2008 recession on the retail sector with the current headwinds retailers are grappling with, while offering a comprehensive roadmap for success in this new paradigm.
Ellen Burstyn: From Detroit Dreamer to Hollywood Legend | CIO Women MagazineCIOWomenMagazine
In this article, we will dive into the extraordinary life of Ellen Burstyn, where the curtains rise on a story that's far more attractive than any script.
Industrial Tech SW: Category Renewal and CreationChristian Dahlen
Every industrial revolution has created a new set of categories and a new set of players.
Multiple new technologies have emerged, but Samsara and C3.ai are only two companies which have gone public so far.
Manufacturing startups constitute the largest pipeline share of unicorns and IPO candidates in the SF Bay Area, and software startups dominate in Germany.
Starting a business is like embarking on an unpredictable adventure. It’s a journey filled with highs and lows, victories and defeats. But what if I told you that those setbacks and failures could be the very stepping stones that lead you to fortune? Let’s explore how resilience, adaptability, and strategic thinking can transform adversity into opportunity.
𝐔𝐧𝐯𝐞𝐢𝐥 𝐭𝐡𝐞 𝐅𝐮𝐭𝐮𝐫𝐞 𝐨𝐟 𝐄𝐧𝐞𝐫𝐠𝐲 𝐄𝐟𝐟𝐢𝐜𝐢𝐞𝐧𝐜𝐲 𝐰𝐢𝐭𝐡 𝐍𝐄𝐖𝐍𝐓𝐈𝐃𝐄’𝐬 𝐋𝐚𝐭𝐞𝐬𝐭 𝐎𝐟𝐟𝐞𝐫𝐢𝐧𝐠𝐬
Explore the details in our newly released product manual, which showcases NEWNTIDE's advanced heat pump technologies. Delve into our energy-efficient and eco-friendly solutions tailored for diverse global markets.
Zodiac Signs and Food Preferences_ What Your Sign Says About Your Tastemy Pandit
Know what your zodiac sign says about your taste in food! Explore how the 12 zodiac signs influence your culinary preferences with insights from MyPandit. Dive into astrology and flavors!
SATTA MATKA DPBOSS KALYAN MATKA RESULTS KALYAN CHART KALYAN MATKA MATKA RESULT KALYAN MATKA TIPS SATTA MATKA MATKA COM MATKA PANA JODI TODAY BATTA SATKA MATKA PATTI JODI NUMBER MATKA RESULTS MATKA CHART MATKA JODI SATTA COM INDIA SATTA MATKA MATKA TIPS MATKA WAPKA ALL MATKA RESULT LIVE ONLINE MATKA RESULT KALYAN MATKA RESULT DPBOSS MATKA 143 MAIN MATKA KALYAN MATKA RESULTS KALYAN CHART
Unlocking WhatsApp Marketing with HubSpot: Integrating Messaging into Your Ma...Niswey
50 million companies worldwide leverage WhatsApp as a key marketing channel. You may have considered adding it to your marketing mix, or probably already driving impressive conversions with WhatsApp.
But wait. What happens when you fully integrate your WhatsApp campaigns with HubSpot?
That's exactly what we explored in this session.
We take a look at everything that you need to know in order to deploy effective WhatsApp marketing strategies, and integrate it with your buyer journey in HubSpot. From technical requirements to innovative campaign strategies, to advanced campaign reporting - we discuss all that and more, to leverage WhatsApp for maximum impact. Check out more details about the event here https://events.hubspot.com/events/details/hubspot-new-delhi-presents-unlocking-whatsapp-marketing-with-hubspot-integrating-messaging-into-your-marketing-strategy/
How are Lilac French Bulldogs Beauty Charming the World and Capturing Hearts....Lacey Max
“After being the most listed dog breed in the United States for 31
years in a row, the Labrador Retriever has dropped to second place
in the American Kennel Club's annual survey of the country's most
popular canines. The French Bulldog is the new top dog in the
United States as of 2022. The stylish puppy has ascended the
rankings in rapid time despite having health concerns and limited
color choices.”
SATTA MATKA DPBOSS KALYAN MATKA RESULTS KALYAN CHART KALYAN MATKA MATKA RESULT KALYAN MATKA TIPS SATTA MATKA MATKA COM MATKA PANA JODI TODAY BATTA SATKA MATKA PATTI JODI NUMBER MATKA RESULTS MATKA CHART MATKA JODI SATTA COM INDIA SATTA MATKA MATKA TIPS MATKA WAPKA ALL MATKA RESULT LIVE ONLINE MATKA RESULT KALYAN MATKA RESULT DPBOSS MATKA 143 MAIN MATKA KALYAN MATKA RESULTS KALYAN CHART
❼❷⓿❺❻❷❽❷❼❽ Dpboss Matka Result Satta Matka Guessing Satta Fix jodi Kalyan Final ank Satta Matka Dpbos Final ank Satta Matta Matka 143 Kalyan Matka Guessing Final Matka Final ank Today Matka 420 Satta Batta Satta 143 Kalyan Chart Main Bazar Chart vip Matka Guessing Dpboss 143 Guessing Kalyan night
During the budget session of 2024-25, the finance minister, Nirmala Sitharaman, introduced the “solar Rooftop scheme,” also known as “PM Surya Ghar Muft Bijli Yojana.” It is a subsidy offered to those who wish to put up solar panels in their homes using domestic power systems. Additionally, adopting photovoltaic technology at home allows you to lower your monthly electricity expenses. Today in this blog we will talk all about what is the PM Surya Ghar Muft Bijli Yojana. How does it work? Who is eligible for this yojana and all the other things related to this scheme?
AI Transformation Playbook: Thinking AI-First for Your BusinessArijit Dutta
I dive into how businesses can stay competitive by integrating AI into their core processes. From identifying the right approach to building collaborative teams and recognizing common pitfalls, this guide has got you covered. AI transformation is a journey, and this playbook is here to help you navigate it successfully.
Prescriptive analytics BA4206 Anna University PPTFreelance
Business analysis - Prescriptive analytics Introduction to Prescriptive analytics
Prescriptive Modeling
Non Linear Optimization
Demonstrating Business Performance Improvement
Chad: With energy prices surging, credit markets frozen, and the economy slowing, we are getting more questions and listening to more client concerns than ever before. We are interested to hear what problem areas you are seeing in your business. Does any one have any challenges?Each of us affected a bit differently, but fortunately, we have some answers.
Chad: The first step to improving is to understand that there is always room to improve your business.
Chad: Our first area is a big one. You can concentrate on profit or revenue all day, but if the cash flow is not there to support the business, it will not be able to survive.
Donna: Budgets review history and Forecasts look forward to give you a sneak peek into what all of this hard work can produce.Set up a monthly budget and stick to it. If you don’t have the money for it this month, don’t spend it. Keep track of your revenue, expenses, margins, and cash flow to make sure you are making informed decisions. This must be done monthly to be effective. In our experience, many small business owners are lucky if they do this in depth annually. Third party story: we worked with a restaurant owner recently. His cash flow was becoming a big problem and he could not understand why. He only saw the details of his financials once per year with his prior accountant and really just looked to see the damage he owed in taxes. When he became our client we discussed the problem and we looked at his information and analyzed it, we could see clearly that his food costs had dramatically increased due to the shipping costs but his menu prices had not changed. He felt that his customers would go somewhere else if he raised his prices so he kept them the same. We suggested that he look at the individual menu items to see which can change or determine if there are minimal changes to portions to recover from the differences. Many restaurants had a glass ceiling of less than $1 for drinks several years ago – now it is not uncommon to see drinks at 1.79 or even 2.50. There are many creative ways that can be used to resolve this problem, but you have to know it is a problem to take action. Reviewing your margins once a year is not sufficient to control the problem.Planning is a crucial step to all businesses. If there is no map, where are you going and how will you know when you get there.
Chad: In a strong economy, business owners may neglect to review - or re-price - the services and supplies they purchase. Don’t spend a lot of time on minute expenses, but you should analyze and review the major items that make up your largest costs first. For example, it may not be worth your time to look at switching your cell phone provider if it saves only $5 per month. However, if you could get a better quality laser printer and pay less to the print shop down the road, you might have some significant savings and added flexibility to market your product.Negotiating new terms with vendors may also be a cost savings. The worst they can do is say no. Look at loan payments and long term agreements as well and see if there is any ability to re-negotiate terms.
Chad: Let’s hear some ideas from you that you have taken or will be looking at to reduce your overall costs of operations.Cost of goods sold: Negotiating new terms with vendors may also be a cost savings. The worst they can do is say no. Look at loan payments and long term agreements as well and see if there is any ability to re-negotiate terms.Facilities: look at terms of your current lease. Is the rent still at the market value or below? Ask for a decrease. If the term of the lease is coming soon, look at renegotiating. If you renew, ask for a few months free. If you improve the space to fit your needs, will the landlord reimburse or give a reduction in rent? Will they finance the allowance for the improvements over the term of your lease? If you own your facilities, look at refinancing or restructuring your debt. This reduces your overall cash required. Reduce or renegotiate before there is trouble making the payment.Payroll: Look at the duties of your employees and ask them what they like best. Employees will be more loyal and more productive if they are doing tasks that they like to do. Utilize their talents. Look at moving employees to a commission or production based pay system. When you earn money, they earn money. Review your health benefits each year. Utilize an HSA plan if it makes sense since it encourages employees not to run to the doctor because there is a $10 copay. If you are a new business, there are many options to pay even a portion of the health costs for your employees in a tax free manner or set up the HSA from the start. Make sure employees participate and know the cost of all benefits provided to them.Utilities: Reduce your energy use through 1) efficiency and 2) conservation. Get new light bulbs. Make sure the toilets aren’t running. Are the windows efficient for energy. Put in an programmable thermostat and motion sensor lighting. Our office park has paid for the replacement of the toilets in all units just the reduce the cost of water to our condo association. The move pays for itself in 6 months and we will all have new toilets. If it costs money to make the improvement, make sure the move justifies itself and will return the investment within a year.Telephone: Look at Voice Over IP. Could save you a significant amount and add flexibility to service your customers. If you already have high speed internet, you really just need the phone.Marketing and Advertising: Monitor the return on this investment. Ask your customers and track where the customers come from. Track each type separately and decide what gives you the best customers (not just customers) and what profit is generated from each vendor’s advertising.Insurance: consider increasing your deductibles to pay less in insurance (business and personal). Insurance is just like gambling. Protect big losses that could destroy your business, not small losses that you can withstand.
Donna: Make sure you are not cutting costs with a result of a lower quality of service to your customer. Otherwise, you may have low costs and no customers.
Donna
Chad: Inventory can suck your cash dry! If you want to see your money, go to your warehouse or retail shelves and visit it.Salon had 8 product lines instead of one. They decreased to one line and sold the same amount. Inventory cost went from $25K to $4K.Party supply store carried 10,000 dusty items in inventory with no controls or accounting. Should only be carrying the 500 fast movers and can special order anything else.Control your inventory ordering and security. Only one person should be able to submit orders to your supplier. They should be approved by the business owner in advance. Don’t give up control of inventory or cash! Make sure there is a procedure that is followed every time on this one! This will keep inventory from disappearing! Count the inventory and let your employees know you keep track. Use software to track the inventory so you can quickly tell if things are getting out of line.Look at what sells and analyze your re-order points. If you can reorder every two weeks, figure out how many items you sell every three weeks and that is your re-order point. If sales decrease, you should be decreasing your inventory. Manage shipping discounts and fees and take advantage of breaks but don’t order unnecessary inventory.When trying new products, have your vendor provide the inventory on consignment or allow you to return. Ask for samples and promotional materials. Negotiate special terms. Example: vitamin storeDetermine what your industry turnover rate should be for your industry. Some turn once per week, and some once per year. Jet planes take longer to sell than a (use an example in audience if possible) 12 pack of beer.Get rid or return slow moving inventory even if it is at a discount. Sell it on Ebay or have a sidewalk sale. Do what you need to do to ditch it fast. Don’t keep specialty items in inventory. All special orders should be pre-paid.Work with vendors who will allow you to return products within at least 90 days with no restocking fee.
Donna: Look at your receivables aging – I hope you have one!! How many invoices are past 30 or 60 days? This number is probably increasing. There are several items you should review:Issue your invoices promptly – do whatever you need to do to issue the invoice within 1-3 days of when the sale is made!What payment methods do you offer? Have you considered accepting credit cards. You probably should. Don’t get caught up buying or leasing a machine though unless you are an active retail establishment (that can just cancel out any benefits of accepting the cards). Customers are always willing to spend more money when they are able to pay with a credit card. You can use a bank, paypal, or another service but shop around until you find the best plan for your volume and transaction size. Don’t make any long term commitments!What are the terms? Look at your competitors terms and your vendors terms? Net 15, Net 30, Due upon Receipt . Do your invoices show the terms – if not, you will probably be the last to be paid.Look at vendor terms vs. customer termsConsider paying vendors at 2%/net 10I worked with a courier company that had 30 day terms – the norm for their industry is 7 or 14 days.Charge a finance charge – many won’t pay but it does put the threat out there that says someone is looking and there is a penalty for not paying my invoiceLook at drafting accounts or pre-arranged payments or worst case, a post dated checkDo you make collections call to follow up? You need to or someone in your business should be designated – the squeeky wheel gets the money!
Chad: When businesses grow on the fast track, it is a fact of life that they will have growing pains and probably struggle with cash flow. If your product was purchased with 30 day terms and your customer pays you at 45 days, the pressure is on. Again, consider the terms. Consider increasing the prices for slow payers or less favorable terms. Take a deposit. In contracting situations, many require a 50% deposit. That helps them buy the materials to complete the job since they know you will probably be paying them after they are due to pay their vendors.Consider factoring as a temporary solution. Factoring is a third party financing arrangement where you present the invoice to your customer and factor at the same time and they factor advances a portion of the payment to you as if the customer paid upon receipt of your invoice. This may give you the cash flow to get other larger jobs while growing your business. One client I advised to do this turned $500,000 of sales into over $2.5 million in the first year. 2 years later, his sales are over $10 million because he has working capital.
Donna: If you decide you need a loan, you can’t just walk into a bank and ask any more. All the ground work needs to be laid a long time in advance. Pick the right bank! If you are a large business with complex needs, pick a bank that can service your needs. If you are a small business, pick a bank with personalized service. Meet the banker, and make sure that everyone in that branch knows who you are. When you need them, they need to know you! Don’t go to the drive thru every time. Go in at least 90% of the time. Build this relationship from the beginning.Any time additional cash is put into the business, there should be a plan in place so this is not an ongoing subsidy. Otherwise, this could become welfare for a business and it will never support itself. If there is no plan to keep this from being an ongoing “solution”, then you might consider closing the doors!Make sure you have analyzed the return on the investment. Could your investment work harder in another form? Can you beat the market or a CD? There must be something in return.In a small business, risk is high. Therefore, the rate of return must be high to justify the risk this investment will assume. 10% won’t cut it! Especially, if you “own a job”.
Donna: Credit card can create havoc for a business owner who is not using them for the right reason. If the reason for using the credit card is because you have run out of cash, there must be a plan in place to fix the problem, not just keep the business on life support. This will just multiply your problems.Credit cards may be used for expansion or temporary needs in an efficient manner though. For example, one of our clients who is a fairly new business is still establishing credit limits with vendors. His main vendor gave him a credit limit of $5,000 which he quickly approaches before the 30 day terms on his invoices. We have worked with the vendor to increase the credit limit and they will not do it until after he is with them for 1 year. In the interim, we suggested that he get an AMEX Plum card. The terms of the card allow him to pay 10 days after the statement and take 2% discount. Or he can pay 10% in 30 days and the other 90% in 60 days with no interest. So, if he charges the card within 15 days of the sale and then stretches the payment to the full 60 days, he has in effect obtained 75 day terms with the vendor on unlimited purchases. He just has to pay the card based on the terms.On a related note, if you ever use a personal credit card for business purposes, it could have a larger effect than you may realize. This is a separate seminar on its own, but try all means possible to get credit into the business name and not your personal. If on your personal credit, it may effect your credit rating and you may pay a higher interest rate because of it. We have a client now who purchased a $50K machine on his personal credit card. His credit score went under 700 so he is paying a higher interest rate on the refinance of his house because of it.
Chad: Read from Big Bucks! P. 85 and p. 90 (ka-ching)At the end of the day, with the all the things we have talked about with cutting costs, the best and healthiest thing you can do for your business is to sell more. If your revenues increase over time, so will the bottom line. Go back to the grass roots marketing effort that you used when you started your business. Talk to existing and potential customers. Take a look at your website. It is your hardest working sales person you have? Don’t underestimate the value of a great website. Depending on your industry, sometimes it does not take too much effort to have a spectacular website that can outsell your competition. A website that sells can also expand your geographic market to the world instead of your own city. Also, It used to be that you walking through the door of an office made your first impression. Now, most people look at your website first. An impression is already made before even meet.
Donna: The economy is a problem for some but also a big opportunity if you look at it in the right light. The media provides a lot of pessimistic views of our economy and we are surrounded by it. But, what about the business that takes advantage of the situation. For example, we had a client who consulted with large companies to show them ways to improve their effectiveness at trade shows. He traveled all over the country doing this. After all of the airport issues, increases in air fare, and the many costs of travel, he decided to try out web conferencing services for a few of his clients. They loved it and he and his family did too. They accomplished the same thing and with decreased overhead. He has quadrupled his income and can now be more flexible to support his customers better and quicker. Win-Win.If you have planned well enough to have established lines of credit in advance and stocked your nest egg, it may also be a good time to pick up a new or complimentary line of business at a “fire sale” price. Many of the non-planners who have not operated their businesses well, may need to go out of business or sell their interest. You may be able to purchase a business and increase your ability to service customers with more or better products.Expanding services may sounds counter-intuitive, but if a business is healthy, it may be able expand services to take advantage of cutbacks being made by competitors which are struggling. Be prepared to re-invent yourself and your business. Recession create different needs. Some items that customers bought without thinking about it, may change to the “luxury” category with the tightening caused by the cost of food and fuel. New opportunities may present themselves, so be prepared to take advantage.
Chad:What is the difference between passive and aggressive marketing? Yellow pages are passive. Aggressive is hitting the streets, going to talk to people that might be your potential customers – tell them about your passion. Let it be contagious – get them exicited about what you do. Sometimes that is hard, like in the accounting world, but you must show them the value they will receive from your product or service in terms they understand. If we use accounting as an example, who does not want to save money on taxes? Who does not want their business to be more successful?Take good care of your existing customers. Now is the time that your customers may be approached by your competition offering lower prices. Make sure your customers know you are there to work with them and that the service level you offer cannot be matched by your competition. People do business with people they like.
Donna: Are their industry organizations that could help you learn more strategies for getting and keeping customers or lowering costs? We are members of PASBA, the professional association of small business accountants. Most accountants in our area are not members of this organization and it is not cheap to join. Through having many firms similar to us, we can network with these other firms to learn processes that will help us improve our business and provide better service without reinventing the wheel. Many business owners don’t understand that others have faced or are facing the same challenges. Rather than each person trying a different potential solution, why not ask if others have seen the situation and what they did. That is a faster way to a solution and more efficient.Your competition is not necessarily the enemy. You may be able to refer business you don’t want to them and they could refer to you as well. You may be able to buy in bulk or share costs. Talk to them and have lunch. Share ideas.
Chad: How many of you have read the E-Myth by Michael Gerber?
Chad:
Donna: ATM principle
Donna
Chad: In business 12 yearsSeen changes in our area over the past few yearsTougher on small businesses – paying more taxes, making less moneyDon’t utilize accountants like larger companiesSmall businesses normally can’t afford to utilize their accountantsHourly rate of $200-400 per hour that most could not affordThat is the reason most accountants only provide year end financials and a tax return to sm businessesLeaves a tremendous void for guidance, advice, and planning throughout the yearHow could we provide the necessary services and the guidance, advice and planning at an affordable price?Small businesses sometimes need this more than larger businessesWe developed the Special Business package to solve this problemIncludes one fee for all Tax planning helps pay for the package in tax savings