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Online Business Degrees For Success

American employers are increasingly turning to job candidates who have solid business training to help build profitability in a competitive landscape. Even government agencies are looking for candidates who hold business degrees. If you're looking to develop keen skills and instincts, online business degree programs can help you write your own ticket to a rewarding career.

The advantages of pursuing an online business degree are exceptional: you can dovetail your learning with your existing work and family life without compromising them. All you need is Internet access, the drive to succeed, and you're on your way. Some employers may even pay full or partial tuition for employees attending an online business school.

Business Degrees and Careers

For those just entering the professions, an undergraduate online business degree in finance, or accounting can help launch your career. Classes for two- and four-year programs are available 24/7 from your desktop. Gaining a general, thorough understanding of business practices, principles, and software can make you an attractive candidate in most every industry.

You may even choose to specialize in emerging fields of eCommerce, international trade, global management, entrepreneurship, consulting, and change management, pursuing a graduate degree or online MBA that prepares you for organizational leadership.

Management analyzes and personal financial advisors are among the fastest growing growing groups in the nation. The US Bureau of Labor Statistics (BLS) predicts that new jobs for personal finance advisers should grow by an astounding 37 percent during the 2006-2016 decade, with positions for management analysts rising by 22 percent. Both positions have high earnings upsides, but do require post-graduate training.

Thriving in Sales or Marketing

You can also profit from online business school training if you're planning on entering the sales or marketing verticals. You can earn an online business degree with a concentration in sales. The BLS reports that sales managers who combine a degree with key experience took home a median salary of $ 94,910 in 2007.

Marketing managers should find a healthy 12 percent growth in jobs between 2006 and 2016, according to the BLS. Jobs for graduates can be found in finance, banking, manufacturing, healthcare, and the tech sector. In 2007, marketing managers earned a median income of $ 104,000.

Business Degrees: Other Fields to Pursue

You can also pursue online specializations in human resource management, working as a recruiting or benefits as a specialist in the corporate or government sector – or work as an independent head-hunter and consultant. The BLS predicts a 17 percent increase in jobs for HR professionals between 2006 and 2016. You can get started in the field with as little as an associate's degree, although most companies are looking for bachelor's or MBA degrees.

Business training can improve your value in the workplace as well as prepare you for working as an independent, opening your own small business, or partnering with another entrepreneur. If you're already working in a niche career, adding online business training can help you advance within the company. …

Tampa Florida Personal Injury Attorneys

Tampa is a densely populated state and witnesses more than its fair share of personal injury lawssuits. An injury caused to a person due to carelessness of another person or individual, is known as a personal injury. Personal injuries may include automotive accidents, defamation of character, defective goods or medical malpractice.

Personal injury laws in Tampa make it obligatory for persons accountable for the injury to pay for damages and expenses incurred by the victim. It is essential to prove negligence as well as excess of injury in the court of law to claim compensation. Personal injuries are looked upon seriously in Tampa, as they cause physical injury and mental agony due to disregard of another party.

Tampa personal injury attorneys concentrate on cases where injuries have occurred due to an automobile accident, a slip and fall incident, a dog bite or mental anguish. Negligence is a common ground under which victims may file for compensation. Individuals may also claim compensation for loss of social standing in society or loss of friendship, support and finance caused due to abuse by another person. There are personal injury attorneys in Tampa that deal exclusively with personal injuries occurring as a consequence of car accidents. In case of wrongful death, Tampa personal injury laws lend a hand to family members and relatives to file for compensation for their losses that may be damaged to the automobile, bodily harm or death.

Compensation amounts that Tampa personal injury attorneys can obtain depends on a number of issues. The most vital issue is the nature of the injury, which may be permanent or short-term. Costs incurred by the injured party are taken into consideration. In cases where personal injury victims have experienced any loss of salary or wages because of injury may claim that as well. Occidentally damage to assets is also compensated under personal injury. Consequences of personal injury, such as lack of ability to walk properly or to indulge in sports are also considered. Victims may also demand compensation for the pain and suffering experienced. …

Tips For Saving Money

Still living from pay to pay? Or envying those great wealth accumulators and wondering how they did it? Every month you make a resolution of saving some dollars from your paycheck, but only end up breaking it. Looking for some magic formula for saving money?

Well, there's no magic formula-only some simple rules to be followed with determination and persistence.

Have you ever taken consumer credit-the credit used for personal finance? If not, then that's where you're missing. Those wealth grabbers, who are the subject of your envy, have smartly used the borrowed money and became rich. They did not hesitate in taking credit, and considered it as a valuable financial asset.

Credit is not something bad. On the contrary, it makes your life convenient and prevails you from falling in a tight spot. Yes, I know that your goal is to be a financially secure individual. We all have the same goal, do not we? Despite harboring such strong goals, many of us are scrapping every month, with no money left to fall back up on at the end.

I do not intend to entangle you in the intricacies of finance, but want to present before you, some simple rules that would help in saving some dough. But promise me that you'll put them to practice regularly. Although it takes some time-years maybe-to get the full results, yet the trick lies in perseverance.

Spruce your knowledge-get smart!
I'm not telling you to glue your eyes to the television watching the stock market or enrolling for a finance degree. What I want you to do is arm yourself with the basics of the market so that you do not make wrong decisions that cost you money. Intelligent decisions are the key towards a flourishing business.

Patience pays!
Without you win a lottery, do not think of getting rich overnight. But with time you can certainly think of owning bundles of those crispy dollars. So start saving your money as soon as possible. Let compound interest bestow you with its benefits. I hope you know about compound interest-it is the reinvestment of your already invested earnings. However, do not lose heart when you find your first reinvested earnings to be a petty amount. Initially, they are small, but over the years you'll watch them magnify.

Set a flexible goal
Do not be a ship without anchor. Set some financial goals in life so that you know your target. This will boost your confidence and you'll be able to visualize yourself better in the future years. I would suggest having flexibility in your goals. This is because situations are never the same, they keep on changing and you'll have to change with them too. Here, you can not be rigid in your ways. Keep reviewing your goals and-better still-select a good financial advisor that would assist you in achieving your goals.

Get rid of large debts
Want to know a wise way? Start paying off all your debts that have double-digit interest …

Factors to Consider Before Buying a Property

Everybody dreams of owning a house at one point of time. But possessing a house is no joke. It requires careful consideration and planning to make such a heavy investment. A lot many things have to be kept in mind before buying any property. The main concern is finance but there are so many other things that are directly related to it.

Here are some factors that should be considered before buying a property:

1) Stability of income: Doing well in your work and earning good money may excite you to buy property at the moment. But it is very important to analyze your financial condition before making any big purchase. How stable your job is at the moment, will your salary increase in some time, what are your other expenses and how safe is it to invest in an asset are some of the most important questions to answer. If you’re uncertain of your future income situation, then picking up a mortgage isn’t a really good idea at the moment. Wait for some time and save more money for down payment.

2) Credit Score: A credit score is a statistical number that depicts a person’s creditworthiness. Lenders use a credit score to evaluate the possibility of a person to repay his debts. It also determines the rate of interest at which the mortgage will be given if it gets approved by the bank or creditors.

3) Personal commitments: What are your personal goals? What expenses do you see in the near future? Are you getting married or planning a baby? What are the expenses that may delay your mortgage buying? All these events will incur heavy expenses and may delay your property buying task. Ask these questions to yourself and consult your dear ones before planning to take such a major step.

4) Real Estate scenario: What is the real estate trend in your area? Are the property prices going upwards or are in a stable state. If the prices have gone up, will your finances allow you to make that purchase? Some area of your city may be attracting a lot many builders hence the rate of property might be on an upsurge. If the prices are going down, you may be lucky in buying your desired property at affordable rate.

5) Expectations from the property: Buying a home may be for different purposes- it could be for your own use or may be your second home i.e. investment. Since investing in real estate is considered to be the safest bet, a lot many people buy homes and put it on rent to get returns. If you are buying it for your own purpose, you may prefer a specific locality or a specific area, but if buying for investment, you may overlook such points and just concentrate on buying a property that may suit your budget.…

Creative Financing For Investment Properties

There are many directions to look in when it comes time to finance the investment for the property you want to purchase. After you have spent time researching what type of investment property is going to meet your needs the best, you may need to come up with some creative alternatives to make the purchase happen.

One of the most well known is “zero down” properties. When looking for these types of investments, it will be important to investigate just where the money is coming from. The most logical and reliable agreements will come from those who want to develop the property. A good zero down property will have a couple of common factors. The developer will cover the closing costs first of all, and within a two year span will be the taxes on the property, and the fees incurred with managing the property itself.

Another creative way to find financing is to include a partner into your investment plans. Believe it or not, there are those in the world who have the money, but are not sure just what to invest it in. That is where you come in with a solid real estate investment plan. Whether the partner is silent, or if they want to play a more vocal role in the partnership, do make sure that all of the financing is done by contract. Bringing in a legal professional will make sure that all parties get what they want out of the partnership to get the most out of investing with real estate.

More and more lenders are willing to help out real estate investors who are looking to purchase houses, refurbish them, and put them back out on the market. One creative way to check out which institutions to look at would be to find a clump of homes which are financed by the lenders, and pick a home or two right around the area in need of some refurbishment. The lenders will be happy to work with someone who is going to bring up the area’s property value as a whole.

No matter which way you plan to go, the basic premise of creative financing will include not using your own money. Seek other routes when looking to begin your real estate property investments.…

6 Types of Questions in English You Need To Know

In English there are 6 different kinds of questions. An utterance is a question if it has one or more of these four markers: rising intonation; inverted word order; a question word: who, what, where, when, how, how, why: or the word or. The different types of questions are differentiated based on the presence of the marker(s).

1. Statement with a rising intonation

The first kind of question has the word order of a statement but is spoken with a rising tune instead of a falling one.

You are serious? It was right? They were surprised? You can fly? You have done the work? This is a joke? You are leaving now? The Rangers won? You are from Bali? You live in Australia? You joined EzineArticles.com? You passed the test? She’s your boss?

The marker is intonation. These are “yes-no’ questions- the speaker is asking for confirmation or denial of what he understands. Such questions are most likely when the questioner has heard something and wants repetition.

2. With 24 Auxiliaries

The more common sort of question is made with inversion-placing an operator in first place. An operator (a form of be: is am, are, was/were, do/does,did, have/has/had, used to/ or one of the modal verbs can/could, will/would, shall/should, may/might, must, ought to, dare or need), which follows the subject in a statement, precedes the statement in a question. If the statement has no such operator, the empty form do occurs in the corresponding question. There are 24 operators or auxiliaries altogether in English.

Is this a good site to follow? Am I late? Are you leaving now? Were you in the office last night? Do you live in Indonesia? Does EzineArticles.com help you a lot in writing? Did it rain here yesterday? Have you got work today? Has your article been approved? Had you learnt before you left for USA? Used he to work in England before? Can you drive? Could you tell me why your account bees suspended? Shall I call you tonight? Should I go and see the manager now? May I help you? Might he come over? Must I heave up anchor? Ought she to do right? Need I contact the company? Dare he come to meet the boss?

These are also yes-no questions. The marker is the inverted word order; consequently, intonation is less important and either a rising or a falling tune may be used.

3. Tag Question

A similar but different way of asking the same thing is to make a statement and attach a tag question. The tag question has an operator which matches the verb of the statement and a pronoun which matches the subject.

You’re leaving now, aren’t you? You aren’t coming tonight, are you? This is a joke, isn’t it? This isn’t a joke, is it? You aren’t serious, are you? He’s gone back to USA, hasn’t he?

There are two different intonation possible: rising tune is used when the speaker is really seeking information, and …

How to Increase Your Chance of Business Loan Approval

Lending companies are willing to extend loans to businesses but they need a guarantee that the loan will be promptly repaid. Established businesses that are doing very well in the market have a great chance of approval. On the contrary, if you own a new business or a start-up business, applying for a loan the first time can prove to be a challenging task.

After the challenge, it does not mean you should not try to apply for a business loan at all. In this article, let us discuss the strategies you can do to increase your chance of getting an approval.

Know the Prerequisites of the Business Loan

Generally, lenders will require the submission of your financial records for the past two years or if you're a new business, since the time you started. You must also prepare proofs that you are running a legitimate company such as permits and licenses.

For new and start-up businesses, a sound business plan will be expected. Your business plan must present a clear explanation of the type of business you are running and must include monthly cash flow projections since you started your operations.

For established businesses, make sure that balance sheets are accurate as any discrepancy in the details may cause an alarm. Business lines of credit you have previously agreed will also be evaluated. Yes, your business credit history will be closely reviewed.

But what if you have yet to build up your corporate credit history? In this case, your personal credit history as the owner of the business will be taken into consideration. How you manage your personal accounts such as loans, mortgage, and credit card debts will show a potential lender your ability to manage a business loan.

This is why it is recommended that you obtain a copy of your personal credit report prior to submitting your loan application. In this way, you can still correct errors or inaccuracies that may be included in your report which could have been pulling down your score.

Needless to say, the same advice is also applicable even to owners of established businesses. Check both your corporate credit and personal credit history to make sure that both your personal and business credit profiles are in good standing.

Preparation Is Vital

Indeed, preparation is very important when applying for a business loan. Financial experts recommend making investments in assets that generate income such as inventory or equipment. You should also avoid major changes in the structure of your business a few months before submitting your loan application. Remember that you need to show a potential lender that your company is in a stable state.

Aside from bigger banks, it is also worth the effort to check out what business loan programs that are available from your local bank. Smaller banks may be more inclined to finance a new business, especially if the owner has been a long time customer with an existing personal account with the company.

Do not submit different applications …

How to Transfer Money to India

With a populace of over 1 billion, India is an stellar environment for finance, with cutting edge technology leading the Indian financial scene into the future. India has over 32-thousand ATMs as of December 31, 2007, but an increasing number of customers are finding that the need to visit a bank branch or ATM location is not what it used to be, due to state-of-the-art technological advances.

Banks are moving toward allowing members to complete banking transactions using cellular telephones and other handheld technology. Banks, in the past, have utilized technology such as text messages to advertise promotions for customers, but electronic transactions will likely replace many types of cash transactions in India within the next few years. The use of technology in banking reduces transactions fees and reduces the need for quick branch expansion. Currently, almost 10{4917788a0bd7aa7369c2a945027b4fe6c9853cda4150a24fe1255b18ce3083dc} of all bank transactions in India are completed online.

This idea of ​​handheld banking technology is called Mobile Banking, and it is predicted that mobile banking will revolutionize the bank industry in India and soon all around the globe. Already, 85-90{4917788a0bd7aa7369c2a945027b4fe6c9853cda4150a24fe1255b18ce3083dc} of mobile bankers do not use ATM or credit cards; they simply use their telephone to make transactions. The technologies utilized to make this style of banking possible is the same technology that runs ATM machines, although it is much less-expensive to maintain. India is definitely on the forefront of this rapidly growing area of ​​finance.

An increasing number of Indians are also using the Internet for bank needs, however the majority of banking customers using the World-Wide-Web limit their activities to checking statements and assuring whether or not transactions have been completed. The web also allows bank users to interact with bank employees to ask questions and inquire about bank products and services, although this is not heavily used so far by Indian bank customers.

Traditionally, Indians have not garnered a great deal of debt, with consumer debt making up just 4{4917788a0bd7aa7369c2a945027b4fe6c9853cda4150a24fe1255b18ce3083dc} of the country's Gross Domestic Product, compared with over 60{4917788a0bd7aa7369c2a945027b4fe6c9853cda4150a24fe1255b18ce3083dc} for nations such as South Korea and Taiwan. Banks are eager to join in the increasing debt loads of Indian consumers. Like China and South Asia as a whole, India is one of the largest expanding areas for credit card, debit card, and cash card services, and surveys predict that the credit card market in this area will increase by 15-20{4917788a0bd7aa7369c2a945027b4fe6c9853cda4150a24fe1255b18ce3083dc} over the next three years. Indian houses currently save 28{4917788a0bd7aa7369c2a945027b4fe6c9853cda4150a24fe1255b18ce3083dc} of their disposable income.

The bank presence is expanding in India, as more global banks and financial companies rush to compete for the changing banking needs in the nation. Demographically speaking, half of India's 1.2 billion population are under the age of 25, so over the next many years, a big generation of people will be entering their earning years and will have many banking needs. The banks that find a way to provide the services Indian bank customers enjoy a windfall of new customers and profit in the years to come. …

Employee Ownership: The Solution to the Productivity Gap in Business?

With income inequality at record high levels, employee ownership is a potential solution to spreading wealth more broadly. However, despite strong growth in employee owned businesses, it is still a rare way to operate.

There are various reasons. Contrary to what some might expect, greed is a very minor one. For the most part it is ignorance of the benefits that employee ownership can offer to founders, employees, the community and the economy as a whole.

Employee owned businesses tend to have shown stronger growth, higher valuations and are more resilient in difficult economic conditions. From a founder or owner’s perspective, it can be a route to exit the business. However, it can also be a way to stay in the business, create more wealth for themselves and share the wealth created by the business more widely with those people who help create it. It comes down to that age-old question in business: “would you prefer to earn £100 from your own work or £1 each from the work of 100 people?”

Another barrier to becoming employee owned is the investment to get the ball rolling. If the employees can’t afford to buy the shares directly (or the aim is to put the shares in trust), then finance may be required. The options are limited. Few investment funds specialise in employee ownership because their aim is generally to get the highest return possible, whereas an employee buyout is looking for the fairest return possible for all.

Businesses and Governments worldwide are struggling with how to reverse the decline in productivity in this country. Results from employee owned companies suggests they strongly outperform their non-employee owned counterparts. However, employee ownership is not a panacea. It will not turn around the fortunes of a business if it is done for the wrong reasons (tax benefits, for example) or in a business with the wrong culture.

Similarly, giving employees shares without helping them to understand how they can increase the value of those shares and benefit from it, will not result in increased engagement and productivity. The attitude of ownership comes when they are committed to the goals of the organisation, know how they can affect them and know how they will benefit as a result.

Positive cultural engagement, ongoing financial education and an annual planning cycle that widely involves employees are cornerstone leadership initiatives required to support the company of owners.

In the right culture and with the right support to develop the company of owners, employee owned companies thrive, increasing wealth throughout the company, their community and the country as a whole.…

Why Use Private Money For Real Estate Investing?

There are many reasons a real estate investor might want to have a ready access to private money for real estate investing. This article will explore a few of those reasons.

The first reason to use private money for real estate investing is to protect your credit rating. Think about this … if you borrow the money from a private individual, rather than a bank or lending institution, the loan will never be reported to the credit bureau. It will not count against your debt-to-income ratio, and no record of the payment history will be kept. No one will ever know about that loan, unless you tell them.

Next, and one of the very best reasons to use private money for real estate investing, is the elimination of paperwork. I have never had to complete a loan application for private money for real estate investing. The lenders I work with all know me and the kind of investing I do. Many of them never even care to see the property. When I apply for a mortgage, on the other hand, the application process itself can take several days, and there are mountains of paper.

Yet another reason to use private money for real estate investing is the ready access to fast cash. Sometimes, when a deal is especially good, moving super-fast is a necessity. With bank financing, that kind of speed is often impossible. Even lines of credit do not always give you the same speed capability that private lenders do. With one phone call to one of my private lenders, I can tie up a deal that other investors only dream about.

A great reason to use private money for real estate investing is the leverage that it gives you. Think about this … if you have $ 50,000 of your own money, is it better to pay all cash for a $ 50,000 property, or to put $ 50,000 cash down on a $ 500,000 property and use private lenders to finance the rest?

If you answered the $ 500,000 property, you're right- and here's why. Let's say the $ 50,000 property rents for $ 500 per month, or $ 6,000 per year. Your Return On Investment (ROI would be 12{4917788a0bd7aa7369c2a945027b4fe6c9853cda4150a24fe1255b18ce3083dc} the first year ($ 6,000 divided by $ 50,000.) It's safe to assume the rent on the $ 500,000 property might be about 10 times that of the $ 50,000 property, or about $ 60,000 for the year. payback to your lender totals $ 4,000 per month, or $ 48,000 per year, what's your Return On Investment (ROI) for the $ 500,000 property? If you answered 24{4917788a0bd7aa7369c2a945027b4fe6c9853cda4150a24fe1255b18ce3083dc}, give yourself a gold star!

Of course, you would need to take into account the cost of borrowing the money, but even after doing that, you can see there really is no comparison. Using private money for real estate investing gives you something called leakage. Leverage is the ability to move something very large with something very small … a …