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Tag: Efficient

  • The Real Reason Why Small Businesses Can’t Get Approved for a Loan

    The Real Reason Why Small Businesses Can’t Get Approved for a Loan

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    Oh no, not again. Yes, that’s right, I’m not going to go there… at least not for today. There’s no shortage of excuses and reasons why small businesses can’t get approved for business loans. It never fails to amaze me the coverage this topic gets especially when the national economy goes into recession or when major political races are at stake. Yes, I agree that small business growth and success is the economic back bone of the US and also, that more than 60% of the US workforce are employed by small businesses. But where I get off the group think is when it comes to the lack of financing for a small business with a business loan. In this article, let’s explore the REAL REASON that small business don’t qualify for loans and the truth may even surprise you.

    It’s Deeper Than Statistics

    I love numbers and even better, I love reading financial statements and the notes. The love for numbers did not become a passion for me in the world of small business lending until I came to understand that the financial statements tell the story of a business. Similar to the story behind the financial statements, there’s a story behind the statistics stating that small business owners can’t get approved for loans especially if they’re of a certain ethnic group, gender, and / or industry. I’m not completely washing away the reality that there’s a shred of discrimination in our world… hey, we live in a broken society with broken people. However, a large part of this thinking (small business owners can’t get a loan because of skin color, gender, etc) is just simply untrue. I’ve been on both sides of the fence so to speak in the world of small business lending. I’ve worked for a big bank, and I’ve worked for a not for profit community development financial institution and it’s always the same. The number one reason why small business can’t (and don’t) get approved for loans is due to the considerably large operating risk that exists in these businesses.

    Operating Risk: It All Starts with You

    What does operating risk mean? Well, here’s a question to bring some clarity. What speaks more to sustainability: a business that’s been operating for at least one year or a business that’s still in the owner(s) mind? I’d go with the first option. Operating risk means that you have and continue to execute on your business plan(s) and that the business is cash flow positive (i.e. returning a sustainable profit margin to cover costs and make you money). Here’s the sad truth: not many small businesses get to this point. Most if any, within two years are still trying to figure things out. OK, granted, there are levels to this particularly when you observe the diversity of businesses. However, I’m speaking to the ones that endeavor to obtain a business loan.

    In closing, I offer a couple of ways to minimize your operating risk and increase your chances of getting approved for a loan. (1) Grow tough skin and learn to survive. The game of business is one of survival. Most days, things will not go your way and you just have to stay the course, be adaptable, and stay true to the business mission. (2) Never forget the 3 P’s – Production, Processes, and Personnel. Become efficient in the production of what you offer for sale, create and put in place processes to enhance production efficiency and ultimately the customer experience, and finally, hire, train, and invest in people who share your vision for the business.

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    Source by Pierre Pinkerton

    Views: 1

  • 4 Little Understood Tricks to Ending Up Being a Successful Affiliate Online Marketer

    4 Little Understood Tricks to Ending Up Being a Successful Affiliate Online Marketer

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    Affiliate marketing company has actually gotten a great deal of buzz in current times due to advances in web innovations and upswing of social networks channels like Facebook, Twitter, LinkedIn and so on

    Some affiliate online marketers particularly novices battle to make successfully due to the fact that they do not completely comprehend the service.

    WHAT REALLY IS AFFILIATE MARKETING?

    Affiliate Marketing is the procedure of making online commissions by promoting product or services. Your commissions are made each time you get a lead (Possible client) or offer items online.The fascinating element of affiliate marketing service is that you can make a lots of cash with a little financial investment.

    You can begin the company without items or services of your own, work from house and make passive earnings even while sleeping if you have an efficient system in location.

    HOW DOES AFFILIATE MARKETING WORK

    Register under the affiliate program of credible business that have important services and products.

    Get your custom-made affiliate tracking link for each item you choose to promote online.

    Select the ideal traffic source to utilize in promoting the item.

    Select the specific niche items to concentrate on.

    Pick the marketing method to utilize I.e Blogging, video or social networks marketing.

    4 MAJOR WINNING STRATEGIES TO BOOST YOUR REVENUES ONLINE

    Concentrate on a single specific niche at a time

    This allows you to quickly encourage your consumers to purchase your items. This will enable you to find out and obtain brand-new selling techniques that will increase your sales and increase your revenues.

    Select traffic sources

    It is suggested to concentrate on 2 traffic sources at a time. I will advise concentrating on one online search engine and one social networks traffic at a time. This allows you to appropriately track and enhance projects released on each platform consequently optimizing your revenues per product.The trick of incredibly affiliates is their capability to concentrate on a traffic source, screening and tracking projects efficiently.

    Test marketing technique to utilize

    You can never ever understand if either blogging, social networks or video marketing will be most rewarding till you evaluate marketing techniques such as:

    Track the data/results received from each of the approaches then you concentrate on the technique that produces the best earnings.

    Video marketing; You can make a video explaining the functions of the item then you publish it on YouTube for individuals to view.

    Blogging: You can compose a post utilizing well research study keywords for SEO. This attracts your customers to your blog site and triggers them to decide.

    Social Network Marketing: This is the commonest and the simplest approach particularly for novices. Facebook is a great platform since it has great deals of groups/forums where you can discover individuals who have an interest in your services and product. You can quickly send them a pal demand and pitch your items to them.

    Select the traffic type

    Paid traffic includes utilizing Pay per click or Pay per view marketing on online search engine and social networks platforms. This technique is much faster, related to increased conversion and earnings due to the fact that it enables you to target your customers particularly based upon interests and other functions.

    The traffic type can either be totally free or paid traffic.

    Complimentary traffic includes SEO, social networks groups, and short article marketing. The downside of this technique is that it does not permit you to target your customer based upon their interests and demographics.

    Learn more about how to become a successful affiliate marketer.

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    Source by Juan C Ruiz

    Views: 0

  • Premium Email Marketing Tools For Business

    Premium Email Marketing Tools For Business

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    Email marketing is one of the ways to boost your business. Social media has become a platform for promoting trade, and email marketing help in that. Email marketing can be used to improve your services and app. "Email marketing is using the specific tools to send your advertising emails to a group of people." Its one of the easiest ways to make money. Marketers can send a targeted message to the intended group. Data regarding customer needs, products are, and then emails are sent to the specific customers. By email, the business can promote their services, offers and what new they have to offer. Transactional email, Direct email, Mobile email are the ways by which email marketing is done.

    This is the cost-effective way, and it is cheaper as compared to others. Target customers are easy to reach within no time and as they are aware of the new things what business has to offer for them. Subscribers get the latest news and offer from the advertiser.

    INSIGHTS ON THE TOOLS

    There are various tools which help in marketing and making business an edge in the market.

    Let's take a view at some of them

    CAMPAIGN MONITOR is a template builder tool, and it assures that email can be read easily on mobile, so that customer or client miss no email. Like Google, Yahoo or any other email platform its uses the same interface so that the things don't get complex. You can upload HTML template and can format and edit when in need. Autoresponder can set only, and data segmentation ensures, that the email gets deliver only to the intended clients. Basic and Unlimited are the two packages which this tool offer.

    VERTICAL RESPONSE helps to connect email campaigns to social sites like Twitter, LinkedIn, Facebook. It helps to communicate with a large number of audience. With the help of email building wizard, you can build your advertising drive and by freeform HTML customize it to make your list for company. You can use only text no images, and other statistics are required. Up to 4,000 emails can be sent per month.

    BENCHMARK key feature is that it offers multiple templates for greetings, promotions and many other events. You can use HTML AND CSS to give it a personalized look. With the built-in spam filter, you can check for objectionable material in your templates. They even have a community where you can provide your views and design. Packages are there and start with 600 emails and increases further.

    CAMPAIGNER tool has a lot to offer. It has more than 500 templates which are categorized as industry types and need. Contact management tool is one of the efficient features which it provides, where you can import your contact from the list. Un-subscribed email is automatically removed. In a way, this tool simplifies everything and give more than marketing. You can give a try with the free 30-day trial offer.

    MIL CHIMP allows you to take surveys and send it to people to know the opinion of them. Use of survey techniques in social media makes the most out of your advertising techniques. You have the option to customize your list and know who has received the mail or not and will also come to understand that which campaign has received the maximum clicks. It offers the free subscription for 2000 subscribers.

    GET RESPONSE This tool lets you efficiently maintain your contact list. You can edit your contact list. This tool track and lets you know who have subscribed, unsubscribed and clicked on links. It also gives you a report in pie and chart form and informs you about the mail it got delivered or not. Different packages are offered depending on the need.

    LEAD PAGES helps you to create interactive landing pages for your sites where you have a choice to choose from 50 templates. They are in sync with best email providers. Business can make a mark within no time. Various packages are there for customers. Lead pages can efficiently transform your business quickly.

    MAD MIMI Saves your time; you can clone your previous ad campaigns and make the changes according to your need. Old drives can be used in a way and if delete you can undo it also. The detailing features provide you with the information about the number of emails opened, shared, and how many people clicked on the link. By integrating with Google Analytics, it provides the statistics and clicks targeting.

    CONSTANT CONTACT Offers you several templates and lets you customize your own. It gives you the detailed report regarding the links and emails. Share on social media like Twitter, Facebook, LinkedIn can boost your business and gives your site the heavy traffic.

    TOUT APP is the best regarding functionality and features. It has a large variety of templates to choose from. Integration with CRM gives you the details of every email, how they are proceeding. It provides the transparency, and produce reports on which emails have been clicked, deleted, attachment seen or not. In short, it gives the detailing of each activity going on. This helps you to track your business and changes can be made accordingly as it keeps you aware of every situation.

    Email marketing is one of the efficient marketing techniques to promote your services. Effective marketing can give you the higher sales for the business. In this competitive era, the company should be at the prominent methods to attract the audience and make a profit. Sending manual emails to a group of people is a complex task, and it is time-consuming. To save your time and get the desired result email marketing can help you to reach the heights. For any business to succeed the market should be analyzed considering the loss also. It's not necessary that by adopting email marketing, you will always get the positive result.

    By proper study and the knowledge of audience can make your business flourish in the market. So opt for this services and let your business boom in the market.

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    Source by Anjali Shukla

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  • Efficient Home Remedies to Cure Eczema

    Efficient Home Remedies to Cure Eczema

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    Are you one of the people who have fallen victim to Eczema? Do you happen to know any person who is suffering from this condition? Eczema is a type of skin disorder that causes the affected person to start getting skin redness, itchiness, flakiness and in some instances some people even start bleeding. This is a condition which mainly affects children but there are also some adults who fall victims as well. Eczema is a very irritating condition which tends to make people very uncomfortable. This is why it is important for one to try and ensure that they handle it as soon as possible.

    There are different cures that have been designed to deal with eczema and they come in the form of topical medicines and topical creams. The only problem with these treatments is that they all cost money and some people may not be in a position to afford them. The great news is that there are different types of efficient home remedies to cure Eczema out there. Here are some few examples of the Eczema cure options that exist.

    1. Water Treatment

    If you are one of those people who may not be comfortable using the topical creams or other forms of medication, you might find water quite useful. Place cold water in a compress then apply it onto the affected skin twice a day. This will help in soothing the itchiness on the infected areas. The water can also be used to make an anti-eczema solution when mixed with almond leaves.

    2. Take baths with mild cleansers

    You need to maintain high levels of hygiene when fighting Eczema. These can be attained by taking a proper bath up to twice a day to ensure that your skin stays free of any impurities and dirt. This can be done by using mild soaps or cleansers which can be used to clear toxins and dirt from the skin surface.

    3. Coconut Oil

    This is one of the efficient home remedies to cure Eczema. This is because it has the ability to maintain the suppleness and softness of the skin. You just need to apply it on the affected area of ​​the skin and it will ensure that your skin stays nourished. Avoid the commercial lotions because most of them end up harming your skin.

    4. Papaya Seeds

    Papaya is a good Eczema cure because it helps in reducing the skin itchiness. It is prepared by mashing the seeds then applying them over the area of ​​the skin that has eczema.

    5. Spearmint

    The spearmint can help in soothing the swelling and itchiness that is caused by Eczema. You need to make a juice from spearmint leaves then apply it on an infected area.

    6. Mudpack

    Mudpack is one of the good Eczema treatments that you can use at home. This is because of the soothing effect that it has on the face. It is also considered to be a form of facial spa. You just need to apply it directly over the affected area and you will feel the relief instantly.

    7. The Sun as a Vitamin D source

    Exposure to the sun can also help in killing the bacteria that cause Eczema. The sun is also a rich source of vitamin D.

    The good thing about using home remedies to cure Eczema is the fact that they are readily available and the fact that the ingredients are mostly natural, there are no side effects.

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    Source by Veronica Ayuste

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  • Socso’s PSP for Covid-19 screening : Only RT-PCR tests will do

    Socso’s PSP for Covid-19 screening : Only RT-PCR tests will do

    Socso’s PSP for Covid-19 screening : Only RT-PCR tests will do 1

    KUALA LUMPUR: The Social Security Organisation will only accept the ‘Reverse Transcriptase-Polymerase Chain Reaction’ (RT-PCR) method for Covid-19 screening under its Program Saringan Prihatin (PSP) initiative and not the ‘Rapid Test Kit (RTK) Antibody’ methodology.

    Socso said it was taking this measure based on the latest guidelines from the Health Ministry (KKM) on Covid-19 screening which only recognises RT-PCR as the methodology and the National Security Council’s decision on the same matter.

    “Socso views the recommendation on the Covid-19 screening methodology for workers at high risk very seriously, The screening tests will be undertaken by the existing service providers and also others who will be appointed to enable more efficient delivery.

    “This screening is compulsory for foreign workers in the construction sector or those working in red zones only,” Socso said in a statement here today.

    Prior to this, Socso had announced that under its PSP initiative on testing for Covid-19 on workers of companies operating during the Movement Control Order (MCO) period would entail two phases namely RT-PCR followed by the RTK Antibody.

    Socso will be providing more information at its Portal Prihatin Perkeso at https://prihatin.perkeso.gov.my. –Bernama

    Socso’s PSP for Covid-19 screening : Only RT-PCR tests will do
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    https://www.thesundaily.my/home/socso-s-psp-for-covid-19-screening-only-rt-pcr-tests-will-do-EK2387017

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  • INFOSAN Quarterly Summary, 2020 #1

    Food safety incidents

    During the first quarter of 2020, the INFOSAN Secretariat was involved in 38 food safety incidents involving 109 WHO Member States and 9 territories of WHO Member States. There were 25 incidents involving a biological hazard (Salmonella spp. [8], Listeria monocytogenes [5], Norovirus [3] Shiga-toxin producing Escherichia coli [2], Clostridium botulinum [2] Bacillus cereus [2], Cronobacter spp. [1], Shigella sonnei [1], unspecified biological hazard [1]), 6 involving an undeclared allergen (milk [3], peanut (1), egg [1], gluten [1]), 5 involving a physical hazard (undetermined foreign matter [2], glass [1], metal [1], plastic [1]), one involving a chemical/toxin hazard (histamine), and one linked to an unspecified hazard.

    The food categories that were most commonly involved in the 38 incidents during the first quarter of 2020 involved fish and other seafood (8), herbs and spices (4), legumes and pulses (4), milk and dairy products (3), nuts and oilseeds (3), snacks, desserts and other foods (3), cereals and cereal-based products (2), composite food (2), fruit and fruit products (2), meat and meat products (2), vegetables and vegetable products (2), products of special nutritional use (1), and food for infants and small children (1). One incident involved an unknown food source.

    During such international food safety incidents, the INFOSAN Secretariat relies on the swift action of national INFOSAN Emergency Contact Points to respond to requests for information. Rapid sharing of information through INFOSAN enables members to implement appropriate risk management measures to prevent illness in their respective countries.

    Geographic scope

    The outlined incidents involved Member States from all WHO regions: Europe (39), followed by the Americas (24), Africa (24), the Western Pacific (18), the Eastern Mediterranean (8) and South-East Asia (6).

    Recall in several countries of frozen spring roll sheets from Singapore due to the presence of an undeclared allergen

    In February 2020, the INFOSAN Secretariat was notified by the European Rapid Alert System for Food and Feed (RASFF) and INFOSAN colleagues in Australia of a recall in Australia and several European countries of frozen spring roll sheets due to the detection of an undeclared allergen (milk), imported from Singapore. In collaboration with RASFF, the INFOSAN Secretariat was informed that the implicated frozen spring roll sheets were distributed internationally to 46 Member States from four WHO regions and 4 territories in Europe and the Western Pacific. Moreover, through engagement with the INFOSAN Emergency Contact Point (ECP) in Singapore, the INFOSAN Secretariat also received details of further distribution of implicated products to additional WHO Member States from all WHO regions, taking the total number of Member States involved to 65. It was also reported that the products involved had been redistributed by some countries to Europe, the Americas and Africa. Consequently, several countries recalled the implicated products to relabel them and investigated the issue to identify illnesses related to the consumption of the implicated frozen spring roll sheets. No illnesses were reported to the INFOSAN Secretariat.

    This incident has highlighted undeclared allergens as an important category of hazards that can result in a largescale international response to implement risk management measures and prevent illness. In addition, it exemplified efficient communication among INFOSAN members and the Secretariat.

    Outbreak of Listeriosis in the United States of America linked to enoki mushrooms imported from the Republic of Korea

    In March 2020, the INFOSAN Secretariat was made aware by the United States (US) Centers for Disease Control and Prevention (CDC) of an outbreak of Listeriosis in the US linked to the consumption of enoki mushrooms, imported from the Republic of Korea. In total, 36 cases including 4 deaths have been reported in the US. Following investigations in Canada, carried out in collaboration with the US, the INFOSAN Secretariat was informed of 6 cases of Listeriosis between 2017 and 2019 in Canada potentially related by whole genome sequencing (WGS) to the ongoing outbreak in the USA. In addition, food isolates (from enoki mushrooms from the Republic of Korea) genetically associated with the cluster of cases have been collected in 2019 by authorities in Canada. The WGS information pertaining to the cases and food isolates were shared on the INFOSAN Community Website to assist the identification of cases in other countries.

    The INFOSAN Secretariat engaged the INFOSAN Emergency Contact Point (ECP) in the Republic of Korea to seek details on any further international distribution of the implicated enoki mushrooms. Investigations are ongoing. 

    News & activities

    Food Sector and the COVID-19 outbreak

    On 31 December 2019, WHO was alerted to several cases of pneumonia of unknown origin in the city of Wuhan, Hubei Province, China. The virus, a previously unknown coronavirus has been named SARS-CoV-2 and is the cause of the COVID-19 disease.

    The WHO Epidemic Information Network (EPI-WIN) aims to share information tailored to specific sectors, including food and agriculture. The INFOSAN Secretariat has recently developed a guidance document for food businesses with regards to COVID-19 and food safety which is now available online. The guidance has also been disseminated through EPI-WIN and presented during two webinars.

    Call for applicants: INFOSAN Train-the-Trainer Workshop

    In February, the INFOSAN Secretariat issued a call for applications for the INFOSAN Train-the-Trainer workshop. With the constant growth of the network, and the increased need for training that this entails, the INFOSAN Secretariat, in collaboration with the Canadian Food Inspection Agency (CFIA), has announced this workshop which aims to increase the human resources available to train INFOSAN members on a range of INFOSAN-related topics, online or in-person. As a result, it is expected that the understanding of the roles and responsibilities of INFOSAN members will be improved, resulting in greater participation that will enhance speed and efficiency during the response to food safety emergencies at the global level. The INFOSAN Secretariat, together with CFIA, look forward to hosting this important workshop later this year.

    Developing the new INFOSAN Community Website

    The INFOSAN Community Website (ICW) continues to be an effective tool for the network to disseminate information during food safety emergencies. Over the past year, through the INFOSAN member survey, the Secretariat has gained a better understanding of how members use the ICW and how it can be improved to enhance information sharing. The information collected, together with the experience of members of the Secretariat, has provided numerous innovative ideas to guide the development of the new ICW. The Secretariat is pleased to announce that the competitive process to select the vendor that will develop the new INFOSAN Community Website has concluded and the work on the creation of the new ICW has begun. 

    Voice of an active network member

    voice-5-2020

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    https://www.who.int/news-room/detail/23-04-2020-infosan-quarterly-summary-2020-1

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  • Accelerating Sales & Marketing with Web Collaboration

    Thanks to the expanding global workforce, heightened competition and the continued need to cut costs and drive productivity, companies today are facing myriad new challenges. Because sales and marketing are key to maximizing growth, productivity and profits, those organizations are facing mounting pressure to create efficient, customercentric processes that provide increased reach and revenue while keeping costs under
    control ? all as markets become more competitive and brands less distinguishable. To compete, companies must equip their sales and marketing teams with technology that can dramatically enhance productivity and drive innovation by improving the way they interact with customers, partners, suppliers and other employees. Web collaboration is increasingly becoming an indispensable tool in accelerating sales and marketing processes while simultaneously reducing costs.

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    http://www.associationofmarketing.org/whitepapers/view.php?whitepaper_id=67

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  • Search Engine Optimization and Pay-Per-Click: A Holistic Approach

    Far too often, online marketers separate natural search engine optimization practices from pay-per-click (also known as PPC or paid search).

    Clearly, they both involve very distinct disciplines, but they may have a common landing page or potentially keyword and traffic data that can be shared to make initiatives more powerful and efficient.

    In this guide, we?ll take a look at how the two facets of search engine marketing can work together. In addition, we?ll provide insights about how to make the most of SEO and PPC in their own right.

    Paid search involves the sponsored listings at the top and to the right of the natural results that dominate the top search engine results pages (also known as SERPs).

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    http://www.associationofmarketing.org/whitepapers/view.php?whitepaper_id=69

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  • Group Hails Army Commander, Adeniyi, For Bravery, Patriotism In Boko Haram Fight After Removal By Buratai

    Group Hails Army Commander, Adeniyi, For Bravery, Patriotism In Boko Haram Fight After Removal By Buratai

    Group Hails Army Commander, Adeniyi, For Bravery, Patriotism In Boko Haram Fight After Removal By Buratai 4

    Group Hails Army Commander, Adeniyi, For Bravery, Patriotism In Boko Haram Fight After Removal By Buratai 5


     

    Concerned Nigerians, a civil society group, has commended Major General Olusegun Adeniyi for revealing challenges faced by troops fighting Boko Haram in Nigeria’s North-East.

    SaharaReporters had earlier reported that Adeniyi was removed as commander of Operation LAFIYA DOLE for revealing in a viral video that troops fighting Boko Haram terrorists lacked weapons and credible intelligence to execute their mission. 

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    Group Hails Army Commander, Adeniyi, For Bravery, Patriotism In Boko Haram Fight After Removal By Buratai 6

    Breaking News

    BREAKING: Nigerian Army Removes General In Viral Video Asking For Weapons To Fight Boko Haram

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    The rights group in a statement by Convener, Deji Adeyanju, on Tuesday, said it was obvious Adeniyi was vilified for saying the truth and looking out for the safety of his men on the battlefield.

    The statement reads, “We are greatly impressed with Major-General Adeniyi and his men for their unwavering patriotism, steadfastness and gallantry in fighting against these enemies of humanity. 
    “We want to assure Major-General Adeniyi that Nigerian people look up to him and the boys, their devotion to duty, integrity and sense of honour and commitment to each other in the fight against Boko Haram is well appreciated and noted.”

    Adeyanju called on the Nigerian Government to launch a thorough investigation into the welfare of troops fighting Boko Haram terrorists as well as investing in tools for efficient intelligence gathering. 

     

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    Group Hails Army Commander, Adeniyi, For Bravery, Patriotism In Boko Haram Fight After Removal By Buratai
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    http://saharareporters.com/2020/03/31/group-hails-army-commander-adeniyi-bravery-patriotism-boko-haram-fight-after-removal

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