Limitations of financial ratio analysis

I'm a big fan of ratio analysis for small business owners. I do not have to inspire CFOs of large companies and auditors to perform analysis of the relationship, because it is their daily bread, but I find that many owners of small businesses have not yet received the appreciation of what we can do for their financial ratios.

But as ratio analysis can help you, it can also mislead, so I thought it would be good to explore the limits of today's financial ratio analysis.

Analysis of the relationship can be just as good as the underlying data
The reports are absolutely wonderful. It reduces a complex set of numbers and relationships for a simple, 1 or 2 digit number that tells you volumes! But be careful ... And if those complexes, the underlying data are not accurate? Many important decisions because a relationship is changed by 1 or 2 percentage points. Given that, the better your accountant to make really sure that the calculation can be invoked.

In small things as the business environment reconciled trial balance (yes, not only bank accounts!) And monthly budget review can not be taken for granted. Many small businesses do not have adequate accounting systems in place or have any competent accounting personnel that the monthly financial results are not only available, but in fact accurate.

Calculating any reports based on questionable data and a set of unreconciled books can be very dangerous. So, before any analysis is attempted, the records must be brought up to par.

Comparison report can only be meaningful if the data are truly comparable
It 's a challenge to achieve comparability between different companies, even in the same field. Depreciation methods, different methods of inventory valuation methods, different policy regarding the capitalization of certain expenses make it very difficult to arrive at a budget that can be compared in a meaningful way.

But the comparison of different periods within the same company can get difficult. I have seen many small businesses with a high turnover of accounting / financial position and my review of general ledger often revealed that there was no consistency in how many different operations have been sent by those people. This would make the comparison less valuable than it might otherwise be. This brings us back to the first point - the documents must be not only accurate, but consistent.

Analysis of the report reflects only what is in the budget
Obviously, financial reports reflect only what is contained in financial reports of companies. And the same value as that may be, does not capture many factors that can have a profound impact on business and yet can not be quantified or expressed in accounting terms.

I remember acting like a part-time control for an insurance company that has just been purchased by an international player. The president was given a certain relationship as a target for its costs of the accounting department salary. Based on this relationship, one person could not add to his personal accounts. Conversely, to achieve the goal, he should leave some people go first.

But this does not take into account the particular situation the company was in for historical reasons, the staff had very low qualifications, the systems were old and the only way out was to bring a strong full-time controller or CFO to reorganize department. The report does not allow such a target. But it was the best thing to do in those circumstances. Intelligent guidance recognizes these limitations and relationships to take business decisions right anyway.

Other factors not included in the budget may be technological developments, actions of competitors, governmental actions, etc. All elements with potential business impact should be assessed when making important decisions, not only financial ratios.

Still, financial ratio analysis is a key component of these decisions and I dare say that a society that does not make use of this information is at a disadvantage .......

The advantages of Club Entrepreneur

With steaming ideas running around, banging my creativity at its best, an entrepreneur is lost in his world. Success seems so close yet so less attainable. Without a degree and often without any investment to back up a few among the lot of genius, they make their way upwards. What is the factor that hinders? Degree, money, or some other variant of the vehicles. Why can not the minefields thought young people making their way to the top? Well, the answer is simple - Lack of guidance. There is no one to show a clear path, no one is naturally concerned or believe in their ideas and, of course, a big pile somewhere thinks that these entrepreneurs are too young to work.

Now imagine a group of people be successful and amateurs, with the most common plausible background, waiting there to guide you, to share with you and accompany the more difficult path of success. They promise to share your anguish, celebrating your dreams and be part of you thought processes. Well I'ma no one, but your mirror images ie entrepreneurs.

Entrepreneur Club: How they work?

All the smart people who know how enterprising collate desired club together and form commonly referred to as the clubs entrepreneur. Bounded by the common interest of the members that will ensure the highest possible horizons of business, entrepreneurs clubs offer the best platform for sacrifice, becoming a member you can mingle with the who's who of the field, get a grip on the road to be pursued important and attend educational sessions.

These clubs are known for their social events aimed especially close connection thus leading to the exchange of useful ideas and contacts that can reap huge results at a later time.

In addition to a drive through the path decided, clubs entrepreneur also play a fundamental role in the choice of target according to your characteristics and capacity measured in a period of time.

These clubs also go to the point of sponsoring substantial plans thus providing a sufficient incentive for a young mind to achieve.

The club are looking to experience a typical, more difficult routes can be addressed, the anticipated risks, illusions that may be encountered and the practical aspects of the market that are offered by any of the books or courses. They can be acquired only by hard-core experience and these experiences are enhanced in such a local businessman.

Club entrepreneur are some destination for aspiring entrepreneurs who are constantly faced with strategic issues in their operation. These points of contact to act as an interactive outlet for ideas and at the same time act as a major contribution to the whole thought process. A defined path to explore the club entrepreneur can be a viable option for your career growth and therefore must be chosen....

The nature of Christian leadership

The search to identify an ideal model of leadership that leaders can replicate in order to have a better functioning of organizations continues to be a challenge for leaders (Kouzes and Posner, 1987). This has lead writers such as Greenleaf, Winston and Brauna to explore the nature of Christian leadership, which has the ability to change the moral fiber of man and society. This unique model has demonstrated the potential to revolutionize leadership as we know it, and invariably create the most successful organizations.

To fully understand the implications of Christian leadership, we must first understand its nature. Hence the questions: what are the foundations upon which this type of leadership? Because this style of leadership gained prominence in the work of many scholars and has proven to be so effective in biblical Testaments ...? What is the nature of Christian leadership that sets it apart from secular leadership styles? In order to ascertain the answers to these questions this article examines the nature of Christian leadership, through the study and analysis of Jesus 'Leadership' in Chapter 9 of the Gospel of Matthew, verses 20-22, specifically looking at the attributes that made up the core of Jesus' leadership. To help readers understand the nature of Christian leadership in this step, this paper focuses on an approach to structure inter-textual and rhetorical interpretation of inner member. Looking at Jesus 'leadership from different perspectives readers have a more salutary nature of Jesus' leadership style. This paper therefore examines the attributes such divine principles, the love and purpose of Jesus 'leadership', and their relevance to what constitutes Christian leadership. It 's my intention that readers will use the results in this paper to improve their leadership styles, which will inevitably lead to better leadership and healthy organizations.

Background

Gospel of Matthew is worth much to an understanding of Christian leadership, as it is believed to have had more influence on the development of the early church and, therefore, Christianity. It seems that there is much discrepancy as to the authorship of Matthew (Desilva, 2004). Some scholars argue that it was written by Matthew, an eyewitness, one of the Twelve, while others cited the gospel Mark dependence as evidence against him to be an eyewitness. Matthew is said to have used Mark as a source not only, but also D. Tongue while taking striking similarities to Mark is more elaborate. The Gospel of Matthew it says that it was written before the destruction of the Temple in 70 AD. Mention of various Jewish customs, without explanation, in all tissues suggests that Matthew was written for a Jewish audience. In order to represent Christ as King and Messiah of Israel, Matthew uses several quotations from the Old Testament, so all the main themes are grounded in the Old Testament.

Method

In analyzing Matthew 9:20-22, socio rhetorical criticism is employed to assist in understanding the complexity of this step. Socio rhetorical criticism is a method of text analysis, looking at those of the belief values ​​and beliefs into the text in relation to the world (Robbins, 1996). There are five approaches to this method of text analysis: internal structure, the structure of international, social and cultural, the ideological and sacred structure. (Desilva, 2004). For the purposes of Matthew 9:20-22, a intertexture is first made to provide a conceptual understanding of the existing culture in that period. This is followed by a weft internal approach to help understand the passage. Internal structure refers to the various ways in which a text manipulation language for a better more detailed understanding of the text. The argumentative structure is a branch of understanding the inner workings of a text. It provides reasons for readers to think and act in specific ways. The inter-textual analysis method of a text, the text specifically studied in relation to other texts outside of the particular text. This method of analysis of a text can use different approaches and includes the use of other text in relation to the text studied, so that the readers of full understanding of the text. The use of both approaches provides a richer and fuller meaning of the text.

Analysis Intertexture

In order to understand Matthew 9:20-22, we must understand the history surrounding the two sects operating in all that time, the Pharisees and Sadducees. A study of the writings of Josephus, the first rabbinical writings of the New Testament as well as provides an accurate description of these two groups. The term derives from perusim Jewish Pharisees, which means "separated ones." Later results suggest that it may derive from the Hebrew parosim, meaning "specifier," were regarded as Puritans, in other words, they were extremely passionate about the principles in accordance with the Mosaic law, as well as those that have added to the Old Testament law (Huie , 2007). This sect is the symbol of the core of Orthodox Judaism, and has had very strong influence on the Israelites. The Sadducees are said to have been named after Zadok, a priest during the stint of King David and Solomon, other theorists assume that the name is derived from Zadok lived in the second century BC. Similarly there are others who believe that the name "Sadducees" is derived from tsadiq Hebrew, which means right (Huie, 2007). The Sadducees were famous for their disbelief of the supernatural. Matt.22: 23 express their refusal to believe in the resurrection of the dead. This sect had no respect for tradition and legalism despised. They contended that the Pentateuch was the only authority, were often very wealthy, aristocratic, a member of the priestly tribe and under the dominion of Herod were the owners of the temple.

The degrees of differences between these two groups has created an imbalance with regard to political opinion in that time. These two groups had opposing viewpoints / beliefs regarding laws and regulations (Huie 2002). Matthew 9:20-22 is about the woman with the issue of blood. This story can be seen as an interruption, as occurred while Jesus was on his way to heal the daughter of Jarius. Matthew tells the story of a woman who had been bleeding for over twelve years. According to Jewish law, this woman is considered impure because of persistent bleeding (Leviticus 15:25-27). This woman was despised by members of the family and society and was barred from the synagogue and temples (MacArthur, 2005). A poor woman, Luke mentions that he had spent everything he had, in search of a cure. He was ostracized, an outcast from all accounts. As a result of his illness, the traditions of that time prevented women from touching men, it is possible that this is the reason Jesus came up behind him and touched the hem of his garment. His faith in Jesus to cure her was evident in his touching gesture. Jesus did not criticize the woman because she has chosen to mix with people and thus breaking all the conventions of the time. Instead he encouraged her "Take your daughter's heart faith has made you whole, a woman approached Jesus he," to "I touch his garment, I shall be saved." This statement is often called an enthymeme (Robins, 1996).

Enthymeme is described as a syllogism in which one of the premises or the conclusion is not indicated explicitly. In Matthew 9:20-22, the enthymeme 'if' statement appears to make logical or qualitative, implicit in this statement we can assume that Jesus has the power to possess special healing. As Jesus received such power? The answer to this can be of two times, could have been 'born in the authors', or could have been acquired in the first three synoptic gospels presupposes that Jesus was the power from heaven and was given to his baptism (Matt. 3.: 16, Mark 1:10, Luke 3:22). (Robbins, 1999). It 'possible that the opinion of this woman runs concurrent with that of the authors in Matthew, Mark and Luke. This woman knew that Jesus had the power and if she could touch him, his power was enough to heal This act of touching Jesus raises two points of view,. On the one hand could be interpreted that touching a man of such power or you are silly or simple mind and your action may have led to death. biblical tradition has shown where Uzzah touched the ark of God and died (2 Samuel 6:6-7). The reverse is also true. His actions could be interpreted from the point of view as audacious as expression of his courage.

In the Gospel of Matthew, special emphasis is placed on the powers of Jesus' healing, while in the Gospel of Luke, the attention was diverted from Jesus, but instead focuses on the woman's faith (your faith, how did you well). There are several implications of leadership based on Jesus' in this story that has helped form the premise of Christian leadership.

The needs of the followers are important and should take precedence over issues that are less important, as some aspects of the law. "This eternal principle is clearly expressed by Jesus in Matthew 12:3-8, Mark 2:25-28 and Luke 6:3-5. Thank God, His Son was not a legalist, or that poor woman would probably have received the back of the hand, rather than his healing touch. " (Maxey, 2000). Matthews account provides the depth of compassion that Jesus had for the "common people", as well as the infinite power he possessed by God, that He freely used to help people. As a leader he was always accessible to his followers, this is evident in the large crowd that followed him. People irrespective of their position could reach it. This woman was poor, the account of Luke refers to the fact that he had spent all her money on doctors, trying to find a cure (Luke 8:40-49). It lost its status to the point of being defined as a woman with the issue of blood ... In a culture permeated by the Pharisees and Sadducees with their different beliefs, Jesus did what he had to do in order to achieve the purpose of his mission.

In showing love even those who were deemed unworthy favored the divine principles which have been emphasized in the golden rule ... "Do unto others as you would have them do unto you ..." Jesus modeled the core of Christian leadership and left a model for today's leaders to emulate serving others.

Conclusion

The nature of Christian leadership is based on the fundamental question that the leadership of Jesus' is the epitome of leadership, and can be seen as a blue print of true leadership. To model this type of leadership, leaders must first analyze the contemporary leadership principles that are clearly distinct in Matthew 9:20-22. The story of the woman with the issue of blood, Jesus has shown leadership modeling. Recognizing the condition of the woman, her healing and further referring to her as a daughter, Jesus has transformed the spirit and ethos of leadership. In an era that was dominated by hypocritical dogmatists, showed love, rendered a service and never lost sight of its goal of reaching those who have been marginalized. Its values ​​always guided his actions that led to a continuous increase of followers. Contemporary leaders should explore the benefits of the style of Jesus' leadership style as its able to create the most successful transformation of organizations.

References:

DeSilva, D. (2004). Introduction to the New Testament: Contexts, Methods and Ministry Formation. Downers Grove, IL: InterVarsity Press.

Huie, B. T. (2007). Who were the Pharisees and Sadducees Retrieved September 21, 2007, http://users.aristotle.net/ bhuie ~ / pharsadd.htm

Kouzes and B. Posner, The Leadership Challenge, San Francisco: Jossey-Bass, 1987

MacArthur, J. (2005). The MacArthur Bible Commentary, Nashville, TN: Thomas Nelson Publishers Inc.

A. Maxey (2000). Reflections, Retrieved September 22, 2007, http://www.zianet.com/maxey/reflx287.htm

Robbins, K. V. (1996). Exploring the Texture of Exts. A Guide to Socio-rhetorical interpretation, Harrisburg. PA: Trinity Press International ......

Why your business needs a corporate identity package

If you're like many small business owners, you might be wondering just what a corporate identity package is. And if you already know what it is, you might wonder why your small business would need one. After all, you're just a small company, not one of those big corporations. What's in Serbian for you?

Just as the name suggests, a corporate identity package identifies your company to potential customers, suppliers and the general public. It includes your business name, logo, Small Business, the logo (a fancy way of saying how things are put, which font, spacing, and the like) your motto or slogan, and related materials printed - your business card and letterhead, envelope and forms.

When did you start your small business, you would have dreamed of becoming more than just a small business. Maybe even dreamed of becoming a big business bit 'of time in the future. And even if you are an entrepreneur is absolutely practical and has not had those dreams, it is necessary to attract customers in order to keep your small business open. A corporate identity package can help you do it.

Write a couple of large companies, ask a question and ask for a business card. They'll send your answer on their letterhead, envelopes in their company, and include a calling card. If you take a moment or two to look at the packets of corporate identity ", you'll soon notice some important things in common.

Their corporate identity package look professional. What makes a company look very professional? I think the key is simplicity. In general, a large company has a simple symbol or even to plot its own name as a logo. Take the Coca-Cola logo, for example. Or Toyota. Or Cameco Corporation. They are all very simple.

When you look at their corporate identity package, you can see the quality. They only use high quality printing services and paper. Of course, that is going to cost a little 'more, but will be worth it in the end, because its an integral representation of the image your small business'. You can print your corporate identity package yourself using your home printer, paper and lightweight models of business cards, but how is that going to look? That will produce the professional image you are looking for?

Their logo is consistent. Large companies use exactly the same color for their logo and their background every time. They use the characters consistent. Their slogan, for example, would always be in Times New Roman, it is never a different character or even a character like that, but exactly the same font, and always in the same proportion to the logo. Spacing is consistent. Spacing between letters and between the lines is always exactly the same proportion. Their secret is designing in vector form so their logo can be enlarged or reduced without changing proportions.

Their corporate identity package that matches exactly. Their letterhead, envelopes, business cards all the games. And if you ordered something from them, the invoice and the declaration would be obtained at the end of the month should also correspond. Perfectly.

Here's another reason to get a little 'time to look at the packets identity of large corporations that you can use what they do to create an identity for your small business. What they do works, and they do big business, so if you want to do business too big, why reinvent the wheel? Copy what they did. No, I do not mean you need to copy the logo of another company. Just copy the way they did things. Take their ideas and use them.
You probably do not have the luxury of spending the amount of dollars, a large company makes about their identity. In fact, sometimes spending millions to their corporate identity. So how do you get a professional look to a small business price?

You can do it yourself or you can hire a professional design to do it for you, sometimes at minimal cost or even free. Here's an idea. Sometimes you can find good graphic design students who will design your logo to you in exchange for allowing them to put in their portfolio. In any case, if they do charge a fee, will be quite a bit 'less than you would pay a professional graphic designer. Also feels good to help a "poor student".

So, because if you have a small business identity package? What's in Serbian for you? If you do it right, if you have a corporate identity package that looks professional, is of high quality, has a logo uniform, and goes perfectly, you're going to look just as great, even if you're the small business in town.

And if you look like big, you just might be able to play with the big boys. And if, just what if, the corporate identity package helped you, even just a little ', to realize the dream you had one day to own a great business when you started your small business? ......

Home Equity Loans - intelligent debt management?

It 'a home equity loan a smart decision to debt management? The short answer is - it can be. But WARNING! Discipline is the key to successful management of debt with a home equity loan. Not to be mean, but the lack of discipline, probably played a bit 'of a role in you forever in debt in the first place.

With that being said, lets take a look at what exactly a home equity line of credit (HELOC) is and how it could work in debt management. First of all - you qualify for a HELOC loan? In this economic climate, it may be difficult especially if your finances and debt is a bit 'out of whack. Before we get too wrapped up in the process, check with a bank or two to see if a loan is also a possibility.

If it is or could be, some individuals have successfully used a home equity loan as part of their program of debt management. You can use the guarantee of a home equity loan to help with debt consolidation and, finally, manage your debt a little 'easier. Keep in mind though that you still have debt, it is structured in what is hopefully a more manageable way.

When you have this type of loan, you can use secured debt to pay outstanding bills. A credit card debt is guaranteed warranty. A home equity loan, however, uses the guarantee of your house to give you the necessary capital for debts such as bills.

You can take advantage of lower interest rates available through your bank with a loan of this type. The interest rates will help pay off debt at a faster pace, which is smart debt management. You will be able to get out of debt more efficiently and pay less interest over time.

As I said before if you use a home equity loan for debt management, you must be very disciplined. If you are late with a payment by credit card, you receive a call from a collection agency. But if you are late with a home equity loan, the bank can take your home. However, if you are disciplined, you can use your home equity loan to help pay your debts through debt management top.

One last thing - to pay the debt with a HELOC and just. Do not allow yourself to increase the debt when it receives the additional funds or spend money on anything but your debt. Do not complicate the present problem. It is one thing to insist on continuing the discipline ....

Profitable Home Business - The easiest way to start making money online

The recession is having the most successful economy in the world, has made many people take a long hard look at how to make money. For the world has become so integrated into interdependent global economy, it is imperative that we all understand that if one of the largest economies in the world goes into recession, can adversely affect the way most people on planet Earth earn their income regardless of where we live.

In today's volatile market economy, it is unwise for anyone to rely on one source of income. And it gets even scarier when that income comes from a work on which you have no control. If your only way to make money comes from a job for someone else, you should be making serious plans to change the way you earn your income as quickly as possible.

The Internet has made it possible for almost anyone from anywhere in the world to have a profitable business at home. Millions of people now work from home online with more that unites every day, all with a burning desire to become financially independent, and if necessary, to create extra-ordinary wealth.

It's not really that difficult to start a home business Internet and how to build a business that is making money, are well documented. The cost to start an internet business is much less of a brick and mortar business. So if you already have a computer with an internet connection the rest is almost too easy. Today there are hundreds of companies online that will allow the affiliate to promote their products and pay a commission for sales health.

Would you believe that there are complete systems available internet home business, offering the ability to start and build your own home business for less than $ 100? One of these systems offers a choice of different affiliate programs, each of which can make a healthy monthly income. A few affiliated companies will also build your website for you and include four to six affiliate programs as reliable as a hosting company with all the best features of hosting and excellent support. You will need to choose the domain name and, of course, participate in affiliate programs more, so you can start earning multiple streams of income, but make it easy to start a business that you make money if you enjoy the satisfaction of hard work .

Perhaps the biggest bonus of a plug-in system, is that most of them will teach you step by step how to market with the latest trends, tools and resources online, and show you how to make money online legitimately, giving a good chance of being able to combine so high gaining 5% of success, entrepreneurs on-line business at home.

This type of package is complete with everything you need to advertise and market your new business home. Tools such as email marketing software, which will be sent automatically to everyone who joins your mailing list, and send them messages pre-programmed at regular intervals throughout the year, a good monitoring system so you know the origin of all sales and many other tools and resources. Within 24 hours of recording one of these plug-in programs, your home business website can be up, running and visible on the Internet, ready to start conducting business.

If you choose your home internet business system with care, are willing to learn and work hard, you could soon build an online business to make money and become a successful entrepreneur at home with multiple of monthly flow for years to come. It really is not that difficult with the right system, the right tools and a good education online....

Home Loans for first time buyers with bad credit

The first time home buyers with bad credit have a lot of options when it comes to finance their purchase. You do not need to worry about getting approval, since almost all applications are accepted today. Instead, you should concentrate on getting the best rates and taxes on your home loan.

Obtaining credit in order

Before you begin home shopping business loan, make sure your credit is in order. Even with poor credit, you should check for any errors in your credit report. You can also include a letter explaining the circumstances around a late payment or failure. Some lenders will adjust your credit score and rate whether the information can be verified.

You may also request your credit score to see where you are. A score of 600 or higher will get you accepted by most conventional lenders. You can pay to get your score with a communications agency or receive for free as part of an introduction with a credit monitoring service.

Think About payment and your budget

Advances can also improve rates. For the lowest rates, putting down 20% or more. Remember also that you can tap into that cash with a home equity loan if you get in a pinch.

You should also look at your budget and see what you can afford a house payment. They also include the cost of taxes, insurance and homeowners home repairs. With this number, you can determine how much you can afford to borrow.

Look At interest rates are not percentages of approval

If you are looking for a home loan, you focus on finding the lowest fares and taxes. You want to compare the APR of the loan as this includes taxes and fees. The type and duration of your loan will also affect the rate. Adjustable-rate mortgages offer lower initial rates. Short-term loans also have lower rates.

Initiate the request with no obligation quotes from lenders and subprime conventional. After finding the most favorable conditions, you have two options. You can get pre-approved and then go shopping at home. The other option is to find the house and then block the deal. As pre-approved can give an advantage in negotiating an agreement and the blocking of low interest rates .......

Leadership By Example

Danny left the interview room after attending a long meeting. For Danny, was a very different experience, an experience that has virtually changed his perception of an interview process, an experience to know and understand how successful leader, an experience to understand why some people become very successful as a leader and, above all, because successful leaders do things differently, not things different.

In his last ten years of experience in the complex field, Danny has attended numerous job interviews with top class MNC's / fortune five hundred companies for top and senior management positions. However, he never developed a unique experience, as it has developed today.

In fact, Danny has asked the position of Vice President of Corporate Planning at this company weeks ago through a headhunter. Because of that he received a call on an interview and performed for the same day. This company happened to be at 8 billion dollars in cash rich Fortune 500 business conglomerate with strong presence in the international market. The estate is predominantly family-run, if the new CEO has 34 years young Chartered Accounting background is making a serious attempt to inject professional top class youth in the system. Since taking over the company as CEO, a nice little 'new young faces joined this company of the middle and top management cadre. The new CEO believes strongly that to support the continued growth in the rapidly changing market, management must change its philosophy of a family business to a professionally managed. Young highly qualified professional should be given the responsibility of the company very soon. Therefore during the next few years, this company will definitely undergo massive transformation.

As for the program, Danny came to the interview at 9.45 am in the morning. Exactly at 10.00 am was called to the meeting. There were three managers available in the meeting room, the group's managing director, Executive Director and the Director of Human Resources Group. to start the interview process, the CEO of the company off his cell phone, organized couple of glasses of water and instructed his secretary not to allow anyone or any interruption in the room until this meeting is over. As a next step, the CEO Danny involved in a few minutes of casual conversation to make it psychologically comfortable with the new group. Once you discover that Danny is quite comfortable with the environment, CEO started the interview itself. However, it was a totally unconventional approach. CEO began to ask questions relating to children of Danny, his primary education, curriculum life outside of school and other similar memories. He was mainly interested in what the life of Danny children beyond the school.

Then the questions, Danny was asked related to their experience of secondary education, media type, Danny has received from his family, his circle of friends inside and outside the school, good and bad experience with them and other similar memories. CEO similar process is performed to know the experience of Danny during the post-graduate studies in the early stages of employment and life outside the corporate environment. Initially, Danny became very surprised to see the interview was carried away, though he was enjoying the process much. But Danny soon realized that this was a conscious attempt to know how his personal value system developed and matured during the period of time, what is professional ethics and moral value systems as an individual and appreciate Danny why? What are the different dimensions of the character of Danny? What is your passion? What are the thing excites Danny as a person and why? What is the purpose of his life? What is your definition of success, success and excellence? What are the factors that pushes Danny to go beyond its day to day life? etc. This interview has continued for two hours and 45 minutes. During this period, Danny just spent 10-15 minutes answering questions about the content of his work. Rest of time he spent in discussing his personality factor of an individual. Therefore the focus of the meeting was completely understanding of the person as an individual.

Danny has also noted that the CEO has gone through every detail of his profile in advance, well trained and very disciplined. He conducted the entire meeting in a highly systematic and sequential approach. Also instantaneous impressions were not developed on all matters of Danny. The CEO went into depth of each topic in depth, collected sufficient data and evidence and, more importantly, physically documented all vital information given by Danny in a well structured notebook instantly, which is a rare observation Danny made rapidly changing business today. His approach was very passionate knowledge of people, anxious to know the person as an individual, rather than grilled or evaluation of the candidate. At the end of the meeting is extremely confident that Danny has never shared much information about him to anyone in his past that he shared here today. He learned many things from this interaction, which could also learn from his last ten years of professional career.

In his past, Danny has seen many business leaders who speak on best practices, but today he met with a person who has demonstrated good practice at operational level. Danny is fully convinced that regardless of his or her selection in the company, the CEO has the passion turned into an ambassador lives long for his company. From now on Danny wherever he goes, will enjoy and appreciate this company and its leadership with the outside world for no-compromise their passion for perfection. This is an extraordinary experience Danny would remember for the rest of his life.

In his past, Danny has seen many business leaders and executives who give presentation on leadership, etc. on the people in national and international forums. But today he met a CEO who has never written that people are the most important resource for him, but he has proven itself through his passion, through his actions and commitment. Danny finds out that today is highly competitive marketplace, all leading companies are investing heavily on building employer brand in the labor market. But Danny's experience during the interview today, remains a classic example of building a brand ideal employer in a highly competitive fast moving work. Danny believes that if companies can develop many more as ambassador through their daily actions, a very good image and employer brand can be developed in the labor market. But for this to happen, right leadership is a must. A leadership that has the courage of conviction, a passion for no-compromise best practices, the ability to lead by example, and especially the ability to redefine the status of best practices and Danny is proud to say that he has met with a leader today ....

How to start and run a successful Business Hotel

If you're planning to start start business hotel, it is best to plan and business priorities first. It will help you know exactly what you need to achieve your business goal. Every company needs a solid business plan before it starts if its on fundraising or running your business. Here are a few steps to allow you to start your hotel business successfully.

Fundraising
Every business needs money to invest in it to work properly and when you start a new hotel, the money is the critical element of planning. Whether you are planning to buy an established hotel or build their own from scratch, you need a strong financial planning for it. The best source for raising funds is taking a loan from a bank's business. You can go to any bank of your choice, but before that keep your business plan ready. Most banks require a business plan as an integral part of your loan application

Location of Hotel
A position on the right has a lot to your hotel for success. For example, if your hotel is located in an area where its competitors are able to meet the needs of business travelers hotel can 'touch the heights of success and if your hotel is located a distance from the main tourist attraction, but There is much competition your hotel guests could not get enough. If you hotel is located near the airport or train station or bus stop, you will get many visitors and do nothing. You also have to think that places shopping and entertainment venues are easily accessible from the hotel.

Strategy
Business strategy is the foundation of success in the hotel business. Your strategy should be very clear in the concept without any confusion. It 'better to plan your business strategies in advance. Just ask some questions to themselves as "How to meet the needs of families, children, couples, honeymooners, business travelers and international tourists." And "What kind of services you offer to your guest." A good strategy is the key to success in any business.

Hospitality Experience
If you are new to this area may face challenges to gain much success. You need to know: "How do you want your guests to be treated at the hotel." Every guest in your hotel needs a higher level of care and service whether you are a business traveler or family. It 'better to have a job first in a hotel, the hospitality industry to learn some basics and then start the owner of Hotel.

Marketing
Once the hotel is up and running, you need customers. If you can not get enough your guests in the hotel business will fail. To attract guests you must run effective marketing campaign and you must advertise your hotel. You must contact the travel agents and franchisees to get reservations at the hotel. There are many sites online hotel booking, you must register with them. Your hotel should have an effective website with the possibility of booking your hotel online so that customers can book directly with you and you do not have to pay commission to travel agent. You can pass these savings to your host by lowering your rate and thus providing additional services .......

Marketing Articles-Article Marketing is the "magic pill" for businesses

With increasing competition in business, there has been a substantial increase in marketing. Through the use of so-called "strategic marketing tactics article" Commercial enterprises can now see their business grow exponentially. Would be wrong if we say that the service article marketing is a completely new concept such as article marketing has its roots in the era of print media. Define the term "article marketing" in secular language would not be a difficult task. The term article marketing in its simplest form is actually a marketing strategy where a company advertises its services or products through articles that reflect the business firm in the best way possible.

If "article marketing" was not in practice, would be a bit 'boring for us to evaluate a company to its core. There is no shortage of websites marketing article that shed light on the services and products of a society in a rather interesting, thanks to the Internet and search engines like Google. In addition, through an article, a particular organization reaches more number of people in less time. Print (newspapers, magazines, etc.) is one of the many ways in which strategic marketing of an article can be made possible.

Online journals, which are a part of Internet marketing, also serve as powerful tools for the marketing of products. Through article marketing, a small business can reach millions of people and was so popular. An original article discusses or merely states the services provided by an organization as well as providing the contact details of the organization. Article Marketing Advertising is the new face of article marketing. So this is where niche marketing article, which has proven to be the "magic pill" for a number of business organizations. The basic reason why the concept of niche marketing article has gained popularity is the existence of powerful consumer force that commands enough attention, thus making commercial enterprises to devise new marketing strategies and tactics from time to time to meet their demand ....

Advertising on the Super Bowl is Worth It?

Repeat after me and say slowly ... $ 3 million for a 30-second spot. Now, I repeat. $ 3 million for a 30-second spot. Ooops, time expired. This will be $ 3 million, please. How could a 30-second TV spot on Super Bowl next might be worth $ 3 million?

But I think it (depending on) .... Here is why.

I grew up in the communications industry in the '70s and '80s at BBDO / New York, where ego and creative talents commensurate, ran wild. BBDO has consistently led the major agencies with the greatest of spots in the Super Bowl # client, with the Pepsi always tops the list. Ironically, Pepsi is no longer a Super Bowl advertiser, nor is the brand Pepsi BBDO as an account, perhaps there is a correlation. I then heard that the Super Bowl advertising has been a colossal waste of money. Evaluations of the program does not justify the expense, and bought it for the most part have been driven ego. To give credit, it was a great way to "kick off" a new and exciting year for companies with money to burn (not a problem in today's economy), had a certain value. But still I felt it was too expensive compared to the value received from the moment that there was a lot of mega-rated programming.

So how can I say today's terrible economy that advertising in the Super Bowl for $ 3MM a shot is money well spent. I think so because the world has changed in two dramatic ways:

1. There is no comparable way to reach a mass audience.

The gap between Super Bowl ratings and ratings on other "big event" and current programming in prime time has expanded. The Super Bowl is in fact the pinnacle of TV viewing, and nothing comes close.

There were many more ways to reach a wide audience of years ago. Fragmentation of the media today produces smaller, more defined, but unfortunately the audience for marketers who seek truly "mass", nothing beats the Super Bowl.

2. It is not just to run the spots on the game-day.

For a TV advertiser, the party really starts the week before and lasts for days after the actual event. The spot is simply the day of play led to the attendant publicity, gossip, and, hopefully, and, above all, YouTube sees after the event. In the '80s there was obviously no YouTube, and while there was a bit 'of advertising, the amount of buzz was much less.

This means that more than ever if you're going to be an advertiser Super Bowl, then the point must be large, not just good. Because there's nothing worse than spending $ 3 million on Monday and then get slammed for airing a lame piece of creativity. And your place must be more than just effective. To justify the hype, it needs to be a "mini-movie" that others want to see again and again. Thus children, talking animals, big production, celebrity talent, etc. should be part of the plan. They can not afford a large stain. Do not play.

But if you hit creative pay dirt and create a place that is as big as the Super Bowl itself, and really want the explosion to reach the widest audience possible, then $ 3 million might be a price to pay.

Go Colts. I wish it was Eli, but at least there will be a Manning .......

7 Sales Letter Writing methods anyone can use to write a Letter Throat Grabbing Sales

Conceptually, writing a sales letter is one of the most difficult things the average person can try to do when starting any type of online business.

The thing is, when that same person applies these seven tricks, writing a sales letter can become as simple as writing an e-mail to a friend.

Here they are ...

1. Read other sales letters. Sounds simple, but quite many people that I interviewed over the years have shared this defect. They do not read other sales letters. It 's like trying to ride a bike without ever putting your but cycling and riding. And 'possible? No, and neither is learning how to write a sales letter without reading and understanding how sales letters are written.

2. Swipe other sales letters. I'll probably get a tongue lashing for this but who cares! From junk mail that comes in the form of sales letters or those little booklets are really a sales letter in disguise in the mail you can start a swipe file of your choice. So save all the pages of websites that try to sell similar products or even non-similar products. You'll know a sales letter when you see one. Save them in a folder called "Swipes." Read and try these language patterns and phrases that you can use and modify to meet your product or service.

3. Start writing the titles. Headlines are the most important elements of any sales message or sales letter. Write between 10 and 50 titles for sales letter following the ACES principle. Attention, curiosity, excitement, specificity. For more information A.C.E.S. Google search for an article titled "How to write a headline that convert more visitors into customers."

4. Email to a friend. In other words, write the sales letter, as if you are writing an emotional letter to your best friend about your product or service. Keep writing and do not stop to correct mistakes until you can write more. If you use informal language, so be it. Anything that makes your sales letter seem more personal will make it more exciting.

5. Write short sentences and paragraphs. Keep paragraphs short and simple, will help to increase the number of readers of your sales letter. The easiest seems to read the more likely they are to read and buy your product! People are lazy, make it easy. Please note ... I did not say, make your sales letter short, I said, "Keep your sentences short."

6. Use subtitles. The subtitles are like mini titles. Heck, many of them are actually the titles you have previously written. Just make sure they work perfectly with your copy. Subtitles are used to break up long copy and drag people deeper into your words. Especially people who are skimming your copy. Online, it is also a way to relax the eye and give your sales letter more 'optical appeal'. Subtitles can be interesting statements, confusing statements or positive reinforcing statements about your product or service.

7. Use a postscript or two at the end of your sales letter. Two of the most important places on any sales letter and the two that are read most often are the headline and the PS It seems strange, but the truth is, as I said before, "People are lazy!" Many simply do not have the time or patience to read your sales letter in order to read the primary and it is interesting to them, read your PS So be sure to restate the offer in your PS and you also, apply a tactic scarcity of getting your reader to act immediately.

These seven tricks are by no means an exhaustive list of methods for writing sales letters, but they can and will help you improve your copy and improve your product sales at breakneck speed. Apply today and profit fast! ......

The future design of Web content management!

Web development has greatly increased in popularity over the past 5 years. Many new design concepts, code standards and technology advances have happened in a short period of time. With this, it has the knowledge and application packages Web better, more independent and functional design.

More and more we're starting to see a change in consumer demand for the increasingly popular system for managing site content.

Most site owner are typical business entrepreneurs who do not have time to chase their web design company for some minor updates that usually cost an arm and a leg. Updates for websites are becoming increasingly necessary. And 'now a reality and a trend that, in order to make something happen with your website online, you need to stay on top of things and create new content to keep visitors coming back.

As entrepreneurs, we are all new creative ideas almost every day on how to improve our products or services. Without the ability to update our web site, fresh and new ideas can not become a reality for a long time.

Web Site Content Management Systems Are The Future:

Rather than a call to all web design companies. If it is not able to offer content management to your customers, it can be left in the dust in a few years. The content management becomes more accessible, more demand will be. Without giving your prospects this crucial option, you risk losing a big piece of your potential customers to the next web design company that has a completely automated system that says:. "All the consumer has to do is log on and begin"

Sure, there will always be a need for web designers. This is an understatement, but with the option of content management, you can also decrease the amount of work required to bring each project and concentrate more on marketing your business and its services.

Content Management gives consumers the freedom you need!

Without giving too much freedom can make the site look bad, there is a strong demand for the ability to update a Web site when necessary, when it is not convenient. People like to have power over managing their business, content management gives them the freedom to extend their terms, at no additional cost.

Here are the typical characteristics of a "CMS":

- Add / remove / edit pages.

- Update the content within each page.

- Adding images where necessary.

- Update your contact information.

- View listings updated real estate listings (such as real mortgage rates).

- Add new tips to the industry every day their (the spawn of blogging).

+ Many extra features not listed here.

Take the real estate sector, for example:

Over the past 2 years, "Real Estate Content Management Systems" are popping up everywhere we look. I can recall reviewing over 50 websites that offer this service. And why not! Real estate agents as a whole spend a great deal of money marketing themselves. Only in the last two years, real estate agents have seen more value in marketing online than they have through regular print media. Many real estate agents who know better to spend $ 4,000 for a website rather than spend $ 4,000 getting listed in local phone book.

In conclusion:

If you offer web design services and have (CMS) Content Management Systems available for visitors, it might be time to consider this increasingly popular service for your company. You will not regret putting in the effort to develop its own system and the marketing, there is a shift in demand for this increasingly popular online freedom .......

How to use listening strategic growth activities, Strategic Thinking for Your Business

You've probably heard some variation of proverbs and quotations that indicate that we should listen more than talk. For example: Mark Twain said: "If we were to talk more than listen, we would have two mouths and one ear." An old German proverb: "A man has two ears and one mouth so that he hears and speaks very little.

And to follow up on listening more than talking, I want to add that we must do more than listen - we need to hear and understand. I've seen too many advertising and public relations campaigns touting the virtues of a business organization, and / or individually as a good listener. I think this is only part of what is necessary, if you listen and hear, and if your hear and not understand, will not be very effective. So when I say "strategic listening," I mean to include the hearing and understanding also.

Listening is especially critical in strategic corporate communications and marketing. To reach the goal of becoming a good listener is strategically important to always ask intelligent questions prepared to ask the person or people you're talking about business. Your questions should demonstrate that they have made an effort to get to know and understand a customer, client or potential client business. Your questions should get the person or people who talk like you can really get to know them and their business.

If you can not ask the right questions, the, client or potential client will inform you of such things as: business their frustration or pain, what they really want and how they really want, what is important and what is not important to them; or not fit your ideal profile of the client if they have the financial resources to engage your services and / or buy your products and much more.

And as a follow-up to these questions, other questions to further develop their answers. For example, you could ask them questions like: What have you tried before? Why not work? If the decision were up to you, what would you do? Which would seem perfect to you? You're talking with others about this project and if so, who? What is your timeline for your project? And basically I keep asking questions until you can make a judgment on what the solution or the first step should be. You want the, client or potential client to feel that you have met a trusted advisor, rather than someone offering a "sales pitch."

Strategic Listening is very important and it is really fundamental to the success of you and your business. One research study, "Increasing the effectiveness of marketing in professional services firms," ​​concluded that "listening to customers and respond to what they say" is the key to marketing effectiveness. When you listen you can gain a strategic advantage of being able to make adjustments based on what you hear and understand. Imagine how much more effective and successful you and your company can be if you ask the right questions, listen, hear and understand the answers. And then follow up with your approach to your clients, customers and prospects based on these answers. This will be much more effective to provide a step "canned" sales and losing the opportunity to meet their needs, concerns, problems, goals, challenges, problems, threats and opportunities.

Your Strategic Thinking Business Coach encourages you to fully realize the benefits of business coaching to listen in a strategic way to manage and grow your business. To learn more about how a strategic thinking business coach can facilitate and guide you in this effort, please contact Glenn Ebersole today through his website or via email at http://www.businesscoach4u.com to jgecoach@aol.com

Introduction to Outsourcing for the Project Management Professional

Business globalization, combined with the relentless change of new technologies, continues to challenge our ability to adequately manage enterprise computing activities. Past efforts used to control various aspects of system integration are no longer effective in diverse and complex information environments today. The need for more competent technical project management is critical to the survival of those organizations that rely largely on the benefits of information technology.

Effective project management is a formidable effort, and in comparison to other IS-related activities, is often shrouded with perceptions rather than seen as a set of management principles adjacent. It 's still surprising to find that many IS professionals often ignore the basics in an attempt to formalize a unified approach to manage the various aspects associated with technical projects.

The successful delivery of applications takes longer has a firm grasp of the principles that are germane to the process of project management. Experience is professionals have learned to apply the basic concepts regardless of the project. At the same time, it is equally important to recognize the differences in scale of the project, not blind adherence to rules. The cost of ignoring the principles of proper administration is typically disastrous, and in many cases also occurs in the program of a given project. Many professionals who fail to project management are both victims of rigid discipline and reckless experimentation.

A key component of project management is the ability to use human resources in achieving the objectives of application. Historically, acquiring the necessary skills to manage people had been less pronounced than having the skills to manage technical details. Although this may explain why professionals have struggled with human relations, is no longer acceptable to remain simply as the technical agent. Clearly, the most successful project managers have learned the art of working with different types of organizations, including suppliers, contractors and consultants. These important skills are not easily acquired and often need years of experience to grow.

The shortage of qualified professionals, as well as the need to focus on core competencies has driven many, if not all, organizations seek expertise beyond traditional boundaries. While the promises of outsourcing have been well identified, there are many issues that still require the expertise of project management. The simple outsourcing of technical tasks not guarantee success, either automatically ensures that the best interests of the project will be realized. Unfortunately, some IS professionals to abdicate their responsibilities when using external resources. This has caused many organizations to re-evaluate procedures when engaging in outsourcing activities. However, outsourcing will remain as a strong complement to the internal resources needed for application development. Understand the risks and rewards appropriate to the use of outsourcing is now a mandatory part of any management strategy of the project .......

Customer Service - Let Me Show You How To Get loyal customers

Your search for loyal customers can be centered on a three-part plan to get customers to consider themselves part of your club. The plan starts when you introduce an effective CEP

Customer Education Program

Your first instrument is developing a plan that CEP is a Customer Education Plan. Major features include colorful posters throughout the store highlighting the benefits of a store charge card low interest or, perhaps, allow customers to know what a friendly team - totally committed to providing the best possible level of customer service . Be sure to include your website in developing your CEP

Complaints to work for you

Loyal customers are those who know when they have a dispute with your store, customer service policy is so flexible
can be absolutely certain about you to do whatever is necessary to make them happy.

The staff should be as open and friendly at all times to make the complaint process to generate client compliments.

Customers wishing to give feedback

You must work hard to maintain a high level of feedback. Good customer service these days must go well beyond the forms that have a work plan that invites customers to "Have Your Say".

A friendly open is the best way to encourage quality feedback and you should keep a log to record compliments or complaints. Also be sure to encourage customers to write and send their testimonials good customer service. These are powerful marketing tools.

It constantly collects loyal customers when you get a program to educate the customer, get to work for you Complaints,
and customers are willing to give feedback.

They are the greatest resource when it comes to promoting your policy on customer service to family and loved ones. They are your viral marketing.

Kenneth Small ...

What is it and why the audit should have a Nonprofit

An audit is an audit by an independent person or body for audit and record keeping. Often serves as a "seal of approval" that a nonprofit is responsible for its management of its financial and other resources. An audit is usually performed by a Certified Public Accountant (CPA).

There are many good reasons to have an internal audit.

o A financial audit will ensure that documents conform to generally accepted accounting principles.
o An audit is a good design and a budgeting tool for your agency.
o An audit is a good public relations tool for what it says about your organization's financial integrity.
or granting agencies may find the information in the audited financial statements useful in evaluating an organization applying for funds.
O Lenders may require suppliers prior to approval of credit.
o Some states require nonprofit organizations to have independent control.

Organization Board of Directors is responsible for hiring the auditor and auditor's reports to the Council. Thus, the audit report is addressed to the board.

The audit report typically contains a letter (sometimes called a management letter) indicates that the opinions and recommendations of the auditors for the organization, financial statements and notes to financial statements. Typically, these financial statements show the comparative information from previous years.

One of the most important functions of the review is to uncover any irregularities or poor practices. Deficiencies in the way of managing your finances are discovered before they become a problem. An audit not only identify these weak points, but the auditor should be able to help you implement the corrective procedures, including internal controls to protect your organization. Internal controls are policies and procedures that protect the operational efficiency and ensure that funds are used appropriately. Also guard against intentional misuse of the money .......

Wellness International Network (WIN) Home Business Review

Nell'ottobre 1992, Wellness International Network, Ltd. (WIN) è diventato una realtà. WIN fondatori, Ralph e Oats Cathy visto il potenziale per il settore salute e benessere e sapevano che avrebbero potuto lasciare un segno positivo, fornendo altri con un veicolo per raggiungere il benessere totale: mentalmente, fisicamente e finanziariamente.

WIN ha sede a North Dallas 'prestigioso campus Affari Legacy Park, mentre la sua filiale europea, WIN Worldwide BV, si trova a Hoofddorp, Paesi Bassi e la sua affiliata del Sud Africa, Wellness International Network SA (Pty) Limited, si trova a Johannesburg, Sud Africa . La voce nel 16 ° anno della società di business, la visione Ralph e Cathy è in continua espansione come costruire WIN in un business miliardario.

La linea di prodotti comprende shake nuova proteina, un supplemento di omega-3 e una nuova cura dei capelli collezione. Diving into l'ultima tendenza, anti-aging, la WIN ha presentato una cura della pelle linea usando la tecnologia per contribuire a spazzare via i segni dell'invecchiamento.

È possibile utilizzare Wellness International Network i prodotti con fiducia, le gamme di prodotti di linea dai prodotti rivolti ad aiutare ad aumentare l'energia, resistenza, perdita di peso e migliorare la funzione mentale e voglia di una linea completa di cellulari prodotti nutrizionali, oltre la pelle e prodotti per capelli.

Linea completa nutrizionale WIN è elencato nel PDR ® per i farmaci da banco, integratori alimentari ed erbe. Il PDR è distribuita a più di 300.000 medici e operatori sanitari in tutti gli Stati Uniti dando loro una panoramica completa sui prodotti nutrizionali della WIN.

WIN sembra avere alcuni prodotti molto solidi nella loro linea e la loro strategia di marketing si basa sul campionamento con il programma Passo Cinque. Questo approccio è focalizzato sull'utilizzo e la condivisione dei prodotti e opportunità. Con questo tipo di marketing si deve consumare un sacco di prodotti diversi da soli prima di poter condividere la vostra esperienza con gli altri. Ecco perché le persone investono soldi af molto prima di vedere qualche risultato. Piano di compensazione WIN è un po 'confusa e difficile da comprendere.

Per riassumere, WIN sembra essere una opportunità di business legittimo. Il team esecutivo è vissuto nel loro campo e sono venuto su con quello che sembra essere prodotti con un appeal di massa. Come con qualsiasi attività commerciale, ci vuole duro lavoro e dedizione per avere successo. Se ti piace commercializzare molti prodotti diversi, forse questo potrebbe essere qualcosa per te. Tenete a mente gli investimenti possibili di tutti i diversi prodotti.......

Small Business Finance - Banking The next big problem?

For the past year, most banks and lending institutions have been subjected to two disastrous operating results and negative publicity. Effective lending reported by commercial banks conflict with the attempt by politicians and bankers usual to portray banks as healthy and normal. Most of the banks' financial results were disappointing after working so hard to solve the serious problems of residential mortgage loans. It is reasonable to ask whether commercial banking has more potential disasters that are about to emerge on the basis of what has been seen and reported to date.

Based on a series of statistical business financing, commercial loans to small firms is already alive. In many cases, without government bailouts many commercial banks have already failed. As bad as this prospect may seem, this report will provide an even more negative outlook for the future of small business financing programs. Unfortunately for the banks and lenders, it does appear that the lending business will be the next big problem.

During the past year or so, several banking problems have received considerable publicity. The difficulties were largely avoidable mostly about rising home foreclosures, which in turn caused other investments tied to home loans to fall in value. These investments lost value so quickly that became known as toxic assets. When banks stopped making loans to many (including the financing of small enterprises), the federal government provided funding rescue for many banks to allow them to continue operating. While most observers argue that the bailouts were done with the implicit understanding that bank loans would resume somewhat normal, the banks seem to be hoarding these taxpayers provided funds for a rainy day. By almost every objective point of view, lending business have all but abandoned the needs of small business financing.

Financing of small enterprises is already looking like the next big problem on the basis of statistics on trade finance recently by many banks. The general decline in commercial property values ​​in recent years is an important factor in this conclusion. Because many large commercial property owners could not make their mortgage loan payments business or commercial debt refinancing, this resulted in some bankruptcies significant. The resulting losses of the banks are clearly having an impact today on commercial loans for small business owners, even if these difficulties were mainly happens with the big landlords and not usually involve small businesses.

Bank losses on large commercial real estate loans have caused many banks to reduce or stop their small business financing, and this has obvious similarities to the previous situation of residential mortgage toxic assets causing banks to stop lending to normal Because of the scarcity of capital. The losses of the banks of large commercial real estate investors are having a ripple effect that caused the financing of small businesses to effectively disappear until further notice. While small business owners did not cause this problem, are suffering the immediate consequences when banks are unable or unwilling to provide normal levels of commercial financing them. This bad situation is made even worse when we learn that many banks are hoarding cash and approve a lesser number of commercial credits to allow them to quickly pay for bailout funds to the federal government. The main rationale for this approach is that it will allow banks to take excessive bonuses and compensation to their executives.

Unfortunately, a problem will lead to another, as is common with complex circumstances. The inability to obtain financing from normal activities, most likely lead to more and more suffering on commercial loans for small businesses. Prudent business owners should start acting now on a timely basis in order to avoid such negative consequences. The most serious financial problems a small business can be predicted and avoided with appropriate actions.

Even if nothing else, entrepreneurs should have a direct conversation with an expert in corporate finance small to assess how their businesses could be exposed to the problem commercial banks brewing. If recent events are any indication, the banks themselves will not be very forthcoming about problems with their commercial lending practices. For many small businesses, the most objective expert on business financing is not able to be their current banker. To increase the likelihood that they receive sufficient loans to small businesses facing funding problems in the course, a healthy dose of skepticism and caution will be useful for entrepreneurs.

Corporate Team Building Skills

Corporate team building skills are a prerequisite for the proper functioning of a good company, regardless of its size and service. A society with the proper functioning dedicated working groups will always have a chart to go upwards. The base business is the ability to team building? Unity in diversity?, With different operators working in different teams, such as management, sales teams and project teams. However, they contribute to a single purpose, the advancement of society. Corporate team building skills enable organizations to become responsive and simple.

For the proper functioning of a team, each member must be sure of his mission, vision, behavior, style of work and the goal. He must be personally, professionally and organizationally dedicated to the team. Team members must believe in one another and should be ready to work hand in hand in both adverse and favorable situations. The team must be adaptive to internal and external, changing business conditions. The team leader must have great powers of coordination and a pleasant personality.

General skills like good communication, concentration, fast decision making, self-confidence and a feeling of well-being are important for all team members involved in the fields of activity, in particular the fields of service. Team members must be prepared to separate their personal and professional lives. If you work in a service field, you must have the ability to listen to your customer? S needs and satisfy them. There are many practical coaching corporate team building intended for building and improving the skills of the team.

Corporate team building skills include the integration of a diversity of people, establishing a clear and unified vision, building a team to search for individual goals, but it is simultaneously directed to the achievement of organizational goals and to develop awareness of each user? S attitudes, values, responsibility and communication style. Profiling the team? Strengths and weaknesses to ensure the optimal mix of skills and talents to achieve a goal, the identification of obstacles in order to achieve the goal, the construction of strategies and tactics to address these obstacles, increasing productivity through cooperation and innovative thinking, keeping the best talent and to strengthen the team in times of crisis are also important.

Innovative ideas from members of the team should receive special attention as they help the company to new methods of flexible, adapt and exploit complementary resources. The team must be compacted enough to handle everything to get an idea, testing it, finding the right people and help, by identifying access to capital and credit, choosing the appropriate technology, and implement the idea in a constructive way. ......

Letters of complaint: how to respond in 7 Easy Steps

Ask many small business owners what happens in providing excellent customer service and you have answers, such as for education, serving at once, keeping your promises etc. But in this hi-tech age, we tend to forget that the humble letter is just as important a role in ensuring good customer service. Yet how many times have you received a 'letter of apology', which makes you even more unhappy? The message it conveys, the language used - all designed to wrap it up!

With a little 'careful reflection, a well-crafted letter can provide comfort to a customer complaint and enhance your reputation as a customer-oriented business. In this article I will share some tips on how to write a large letter.

What are you writing for?

To write a large letter must be in the right frame of mind. You're writing to handle a complaint, answer a query, or to thank them for placing an order? Framing the letter in context means that it will use the appropriate language and tone will be right. Try writing a letter of thanks as if you're responding to a complaint - the message is completely different.

Before you put pen to paper, think for a minute and decide what your purpose or goal.

State your purpose

Start by summarizing why you are writing. Open your letter saying that you are replying to a query, or to solve a problem they had. This statement to the reader why you are in touch with them and puts them in the right frame of mind to accept the message. A summary of opening their attention.

Include a W.I.I.F.M.

No, this is not an obscure radio station! WIIFM stands for 'What's in it for me?' To truly engage your customers and get them on your side, you must include a benefit for them. They must get something from your letter so they feel satisfied. What could their WIIFM? Their complaint may be resolved, but they can get a discount, a prime service the next time you use. If the compliant is a minor, a simple, sincere apology may be enough!

Study your letter carefully and make sure you have a moment WIIFM.

Do not say 'I'

Where possible, avoiding release your letter with me '. The reader will find difficult to connect with you if you get 'me, me, me' letters. Review your letters and, where possible substitute 'I' with 'you'. Change the focus to the reader. Make them feel appreciated.

Write as you speak

I forgot the number of times I have received letters, which read as if they were written in early 1900! Rich in language, boring, rigid and outmoded - too formal. Your writing style should reflect the way you talk. After all, providing good customer service is in part due to the way they interact or communicate with the client and the letters have an important role.

So, review your letters and get rid of those phrases that you learned in school letter-writing lessons!

"Please do ..."

After writing a large letter, you do not want the tail off into nothingness. Have a clear action-oriented neighbor. Make sure the reader knows what is expected to do next - "call me so we can discuss this idea in more depth", "Fill out the attached form and pop in the post", "send me an order" (a bit 'strong, perhaps but certainly the point!).
A resounding call to action is a great way to finish a letter and leaves no doubt that the customer should do next - another element of good customer service.

Have someone check your letter

If you are writing a letter containing a very important or a complex message, it is wise to ask someone to proof read. This is not only to check the spelling, but also to check the readability. And 'the structure of the message you want to convey clear and understandable? You will be amazed by what someone else will take what you have completely lost!

So, that's it. Some tips on how to write a superb letter, which reinforce your image to provide exceptional customer service.

Robert Warlow
Small business success ......

Seven qualities that make a good career consultant

Cluetrain INDICATED - If you do not know where you're going - how the hell you expect your coaching clients to understand their mission, dream, purpose, mission, goal? A good career counselor has a clarity and works their sox off to give the same to their customers.

Many people are attracted by the idea of ​​giving other people advice and guidance - pulls off the side 'People who love' even 'die-hard' human resource management professionals and the work they think they might retire in the role.

FOOD DODO? Just because people are managed in the organization used to listen to you before when you had some control over their lives does not mean that they will pay now. You have to have something that they would happily pay to hear.

In fact - you need within a few minutes to build a relationship so strong that the individual is easily tell their life story, without fear and with confidence. If you can not do this now you should not spend on your clients. Do you really listen, so you can listen to what is not said?

IDEAPRENEURS want to listen to the person. Listen to who is the person. Is to focus your attention on them and anything else you can learn about them as people. Here are three ways you can become a better listener:

Become aware of thoughts that cross your mind when you hear someone. You will not get strong thoughts that cross your mind like "You're right, she is not it? This is good, this is not good? I agree, disagree?

If you become aware of these filters can get rid of them and pay attention.

Most people spend the time you should be listening, preparing for what they say - as you can be listening? Instead of focusing on what you are going to say - focus on knowing the purpose of your listening to the person who is listening.

KARMA think of something else or what they have said about themselves - this shows that the other person who was really listening.

"So what you're saying is ..."

Understanding where people are coming from and what motivates them is a vital skill in any career consultant. You develop your skills in patience, listening and empathy of a life-long goal.

Your own work has integrity? Not only the adherence to a code of values, but not the whole stands out an examination? A building has integrity need to aim high. If a pillar of support is broken, say, 'the structure has no integrity.'

MAGIC Identify where your integrity is less than ideal, thin, or 'abyss' and take radical measures to make them all back. Turn around this and you will be able to take your clients, forward and upward.

Teach your client network with your example. As you know, not about numbers, it is the quality of relationships you develop with people. Networking requires effort, it takes time to build close contacts and time must be carefully managed for maximum benefit.

As a good and credible gatekeeper can take the customer's network from scratch to easy maintenance expert group supporting colleagues and potential JV in just six weeks.

Naturally be better connected Begin now - show them how to use the random acts of kindness. Pay for the coffee of the person behind them in a bar (or in front of the train), stopping and talking to a homeless person or to fall by an elderly lady, and fixing his torch.

MASTERMIND In the world explodes in which we live can not be counted on to give people the benefit of advice that is based on the 'old days'. (You know when you've had a good idea is milked for as long as you could.)

Forget it and go forward - old ideas are the victims of diminishing returns. Price of agreement, advertising, technology and products, and transparency and connectivity are key to keep yourself and your client forward....

The Art of Negotiation

It may seem a trite phrase, but really the negotiation is a learned skill. It 'something that makes you personally and professionally in the driving seat and once you have this skill, you can barter for goods in Tijuana or corporations for goods and jobs.

My favorite story of negotiation is one in which a person receives a phone call from people student loans after many years on an old debt. And yet, this does not seem in any way relevant, it is because of his reaction. Although it should react knee-jerk thinking about his credit rating or sue all aspects, it does not. He says he'll look into it and even if the other person becomes belligerent, he's calm and cool. The other side of this conversation has shown all their cards. They have threatened to sue. They threatened to destroy his credit. Yet, he persists in it that will. Knowing that they have shown their hand, seven days after the same person phones back and offered him $ 8,000 loan from her, if he leaves and gets a bank loan. And he still does not jump right to obtain a bank loan. Wait another week to see if the person will fall in price, after all he knows all too well that showed every single card they had. Not afraid of being sued or who have destroyed his credit. They have nothing else and now they are bending to him.

His ability is there to hear the other party as they laid their cards and then did not respond in an emotional way.

The trading in its truest sense means listen to the other side, trying to understand where they come.

And 'the ultimate art of looking before leaping and skipping the handshake and the contract. Instead, art is what you want to improve by setting these objectives unstoppable and even leaving some leeway on things that do not really care.

Say for example, you were invited to join the business temporarily. It goes to the first meeting with a list of what you want out of it and listen to the list the other side as well. You can at this meeting agree on anything, or maybe there is one thing. Everything else, you say you will go home and think over the next few days. But it takes a week instead. In this way it defines even more. If you really want the deal, you have struck fear into their hearts. If you do not have fully shown their cards, they can now.

In this way, the other side often counter to keep your interest. Not showing your hand too early, you may be in a better position.

The negotiations are not emotional. Refusing to act emotionally and you are halfway there. Also, remember that the person who says little and shows fewer cards retains ultimate control .......

Start a Home Based Small Business Using scraps of leather

The skin is a popular material that is used to fashion between the multiple items purchased on the market, such as the latest bags, shoes, and other additional goods. The art of working leather or leatherworking is a skill that could turn into a money-making side job or small business venture. Whether you are creating objects from scratch to be sold to a customer base growing or who wish to offer their services for the repair of items already purchased, Leatherworking is a fantastic craft to turn a profit.

Several kinds of Leatherworking

One of the most common approaches to turn a profit includes leather working leather, which is the practice of turning them into objects of leather crafts or artwork. The skin is shaped, colored, or both in order to create pieces able to attract a purchaser. To undertake this hobby or business interests with minimal start-up costs, an individual can collect or buy scrap leather from companies working with leather products so that they can transform the samples into objects such as wallets, purses, or lead dog. With a simple hand tool or a swipe of a knife, an assortment of products is possible.

Skin die using alcohol-based dyes that rapidly infiltrate moistened skin to change the color of the surface. A similar technique called deals painting the skin with the skin surface, but is not absorbed in the products. This is a method that is best used in articles that will not bend or involves friction, and is not a technique recommended for the use of wallets or belts.

With the use of metal tools, leather intaglio presses leather moistened to generate a 3D effect to produce an aspect known as a watermark. Some of the tools necessary to pursue carving skin include a pear shader, veiner, beveller, seeder, backgrounder, and swivel knife, held like a pencil and dragged through the skin in order to outline a model.

Leather stamping using tools of various shapes for the production of fingerprints over an area of ​​skin that is often achieved with stamps striking with a hammer. Repairing the skin is another way for someone interested in putting their skills to the test in an attempt to make extra money. Some of the activities can be addressed with this approach include the establishment of a broken strap, punching a hole in more than a belt, or repair of a torn, torn, or broken bag straps.

Spread the Word

As you gather the necessary tools and start experimenting with some of the services we can offer leather, spread the word about what your business is a must. You can subscribe to a newspaper ad with the spring, for marketing the Yellow Pages, or offer their products at local craft shows and craft fairs regional. You can also scan local stores to get an idea of ​​what pays so you can compete aggressively with the prices offered on the market ....

Courses in human resources and training courses

There are important points to remember in filling entry-level jobs. Employers seek employees who may be graduate courses in human resources.

Courses such as Human Resources Administration, Industrial Relations and Labour are in high demand in employment and in other related occupations.

Other employers may also want to look for graduates who may have experience in specific courses in technical or commercial, in order to compliment their degree of human resources. For many specialized jobs, previous experiences are always good. This is especially true for those experienced managers, brokers and supervisors who may be key factors in applying for a new position.

Fierce competition in the search for new jobs is expected since there are a large number of graduates and experienced employees. To attract the most competent and qualified employees, you should be careful when connecting to a course of training of human resources credibility for your new employee.

Training of human resources programs and provides the top online education to improve employee satisfaction with their jobs with different working conditions. However, some jobs in the field of human resources requires minimal interaction and limited to persons outside the workplace. Knowing the fact that dealing with external stakeholders is an important aspect of the work.

In small businesses, a human resources generalist may handle all aspects of human resources activities. This requires a wide range of knowledge to the courses of human resources management and training. The responsibilities can vary widely depending on business needs and objectives.

For larger companies, the top position for the department of human resources to develop and manage human resource policies properly.

These policies are generally implemented by the supervisor of the Human Resources Department and a few cases the head of the department of industrial relations. Here is some additional information on the responsibilities and tasks you need to learn in a course in Human Resources and training programs.

1. As the Director of Human Resources of a company, you should learn how to control various departments. Led by the head of the department that only specialize in one activity that will involve human resources jobs, benefits, training and development, compensation, and the interaction of employees.

2. For courses that include employment and placement managers, you should learn how to control the hiring and transferring employees. Supervision requires a number of employees equal employment opportunity for new recruits.

3. Value is representative of the employer are generally made in government offices. Maintain working relationships with local employers and support the implementation of the civil service.

4. As manager of recruitment, training of human resources allow you to learn how to maintain contact with the local community and also require travel to different places. Search for promising and qualified workers is done by recruiters. Recruiters main tasks concern, interviews, screening, and occasionally test applicants perspective.

The factors involved in determining the allowance for human resources of a candidate is very important. The journey and training are needed for a particular complex work environment.

Because of rapid changes and continuous business, it is very important to generate knowledge added. Courses in human resources and training can provide new insights for a more organized and efficient .......

Better Business Bureau, is worth another look

Better Business Bureau fraudulent sales practices

Have other companies had a small problem with the BBB and there sales practices? We have a lot 'of time. Our franchisees, (our company is a mobile car wash franchise) are expected to attend the local Chambers of Commerce as part of their franchise when they exist in their exclusive territory. But do not just make calls and says the BBB;

"We always have a lot of calls for service, but we did not know what to say to customers who asked about you with the BBB?" Then the passage goes on ... for about $ 300 plus dollars you receive ....

Our affiliates to join the chamber before the start of their activities, while their portable car wash service trucks are built to learn about the community that will be serving. Inver ably they will get the call from the BBB from the new member directory from the chamber of commerce before any advertising goes, in fact no one had ever called the BBB at all. This has happened to our affiliates in Carson City, NV, Palm Desert, CA, Agoura Hills, CA, Camarillo, CA, Sacramento, CA and Houston, TX. I realize that it is "telemarketing fraud" and I'm concerned. I was told that many of the 128 BBBs across the country pay their sales staff, or all or part of the Commission. So maybe this is an individual problem, but their sales people have done this. Personally I have had happen to me five times as affiliates registered at the Chamber of Commerce in various cities and had not yet mobile, so I've been called Corporate. As franchisors are responsible for any verbosity of sales personnel during a given sale, the BBB should not be responsible for these claims?

I contacted the Washington, DC office of BBB and have denied that any such incident has ever occurred and that the fact that I am a 90 year old organization. Perhaps, but as it stands now they are breaking the law. This happened five times in sales calls me personally from BBB representatives. I also contacted the Los Angeles BBB and they told me that yes their sales staff often use the lists of the Chamber of Commerce for new members and look for the names of those who had a complaint lodged against them. I was told this off the record, but I am using this information too. In other words, use the list of companies who had customers call to find out if it was a valid complaint or not as a sales tool. Interesting because auditors can not be advisors even in these days. The hypocrisy of the BBB is a bit 'unnerving and, of course, unethical, if not fraudulent for a just, in my opinion. I was told Los Angeles office that "most companies" to join the BBB. Impossible because there are over 1.6 million companies around the greater LA, Orange County, Riverside, San Fernando Valley area and the majority could not be more than 51%. This is an exaggeration by any stretch. This means you would have a minimum of 800.001 members of the private sector, when in fact they have less than a tenth that number throughout Southern California. Yet these same offices BBB complaints on the franchise and many of their websites say buyers to be aware of exaggeration;

http://www.bbb.org/library/fran.asp ~ ~ V.

This is quite shocking and demonstrates that both franchisor and franchisee attorneys should stand up and take notice, but this is not just a matter of business franchise, small business is a problem. All small businesses are subjected to this and perhaps molested. Chambers of Commerce across this country enroll their new members with the confidence of the public, but this was abused by another body of the BBB. He also said today that sales person in Los Angeles, 9 out of 10 calls were coming into the BBB consumers looking for references to the service of companies or products. This is an exaggeration and a lie (lie). If you call a BBB the answering machine usually says: "If you want to make a claim, press 1 ..." There is no mention of getting a reference point and certainly a few incoming calls result in new business for its business partners. One of the benefits that you receive is the instant credibility by the consumer, but the organization issuing the stamp of approval lacks credibility and ethics that is proper.

Also of grave concern is the fact that even if you join the BBB and BBB appear in the produce section in some markets, it is unseemly if not yet in print for the rest of the year. And then we have the BBB unseemly for the promotion of enterprises up to 12 months. If someone files a complaint against your company is real or imaginary (try to get things for free) is necessary to resolve the complaint said before you can renew, once again extortion.

I feel these techniques are fraudulent and improper sale. I am also interested in the "Boomerang" closing techniques, when the BBB sales person gets a negative response to join. "We will not be able to tell people who call us that you are a reputable company." This implies that the consumer assumes the opposite, you are disreputable companies. This in itself maybe good for sales BBB, but it is a technique of extortion. I heard this extortion technique myself many times and made many different ways-that lead to the same tactics. Ask for small businesses to pay $ 300 dollars more is excessive and that receive little or no benefit to their BBB membership. Perhaps the plaque displayed may be of value to customers in a shop, but the way they try to sell, it's dishonest.

The BBB works closely with the FTC and after contacting the BBB to complain they told me it was wrong, and I do not know what I was talking about and that the BBB would never do such a thing? That is a lie because I experienced it firsthand. When I told them that I could contact the FTC in this area were told to go forward, knowing their strength in alliance with the government

The BBB preys on small businesses of all types, as well as franchises for membership using these techniques. We called the FTC as well and would not take the complaint. Perhaps this is because they work with the BBB in secretly using entrapment techniques to get franchisors to make earnings claims without merit. The FTC has also worked with the BBB to capture members of the various systems of consumer fraud, such as car repair, advertising claims and telemarketing techniques. So for this reason, the FTC will not do anything about this problem.

The BBB is above the law. Oftentimes, they are potential partners to make sales, meanwhile attack franchisors using entrapment techniques from the inside, while preying upon franchisees to demonstrate self-esteem in collaboration with other agencies in the media and also use extortion tactics to make money for dues. Imagine the money that has been extracted from all franchise systems in this country. Just imagine the number of small businesses that are struggling right now to pay wages as cash flow has decreased due to economic forces beyond their control. Over 10% of all Americans have some type of small firms and may be subject to these sales tactics to terrorize and blackmail. Most franchisors are many affiliates who are members of the BBB, this costs each year and cut the profits of affiliated franchised units. We put this line of text in our franchise agreement:

5.1 can not adhere to the Better Business Bureau as a member of the business as part of this franchise with us.

I am very serious about this issue, having been lied to by representatives of BBB for the past five years and today when I called to see if things had changed. I was hanging on by the BBB in Washington DC, when I called to discuss the issue. The FTC will not do anything for fear of losing a partner. If the FTC will not be in this, because we need an FTC or BBB?

I received several emails from interested business, for instance, Bob writes: "This is really interesting, is not a government bureaucracy is using what?
is "supposed" to be a free market person to do the dirty work
themselves do not have the support constitutional to do in the first place.
So, not taking the BBB responsible for their fraudulent practices, it is
basically saying to them: "You're a government agency brother - one of us -
free to terrorize those who want to "." I always thought that the BBB was basically a private organization that has served as a guard dog, with a membership of companies that could self-police. Apparently I was wrong. "

This is a national problem, not a few rouge sales people in one part of the country or in one of 128 BBBs positions. In Atlanta Mr. Lee writes: "It's not just franchise .... We get phone calls at our company stores in Atlanta, New York, Chicago, and Birmingham with the exact same sales pitch" blah blah ... We were getting lots of calls to your business from your perspective, and we do not know what to tell them, because they're not listed with us .. "" That's a total scam. I often feel stongarmed from them. Do you mind if I share your email with our attorney? "

Other people are also interested in these topics, ICOP Founder writes: "Certainly there is no need to convince myself I know first hand that everything that is reported here is true that I have personally received treatment exactly the same as the BBB!. California . I had to threaten to sue them to get them to stop calling the threats and harassment. A few years ago when I had a complaint of one of their big names "sponsors" that ripped me off for a value of several hundred dollars, 'only response was from BBB: "They said they did so." This is despite the fact that I had sent them a proof! What's wrong with this picture? "" Unfortunately, I have no idea that anything can never be done about it, they are protected by the government -. As you have already discovered that I did write a series of articles on a couple of years ago, maybe it's time to run them again ..! Apparently, the only thing we can do is educate people and warn them.
Much like the mafia makes you pay for protection under the threat, eh? But then when Quest is listed as one of their sponsors, you know that something is very wrong! Sorry we can not be more help but it's too big for ICOP a scam! When a government supported company like the BBB acts as nothing more than criminals, it is difficult to be caught in situations like Enron and Worldcom. "

But not all the smallest of small businesses have also been harassed, Greg Spunk writes on this from San Diego and an office now in Phoenix: "We have not joined the BBB in either Phoenix or San Diego areas for similar reasons Te. Just verified I've heard what was happening. They are of no value to us and we missed them. "

In Pittsburg a small manufacturer wrote to us and says:. "The same to me" someone is calling about your company and we are not able to say something to them since they are not a member .... It was $ 465 dollars to attend, and they called and asked and asked. I refused because I did not see the point. "

We got this from Albuquerque, NM by the owner of a small car company that wanted her husbands company to remain anonymous: "It 'happened here for 6 months, the same speil, we have been getting calls for your business, etc. At the end I told them that I was not interested and to stop calling or I would call and talk to Santa Fe with the DA. Susie "

I received this email from one of our own affiliates;

"The BBB has called us and even after telling them he was too busy to make an appointment (after several calls), have left when I was not home and Gino said he had made an appointment. Not true. What happens with them, I told them we were still too new to join, we had to watch our cash flow. What happens with them? "

The affiliates that enter the market and / or have been laid off need to watch every penny they spend, if the BBB using strong tactics, then they are of detriment to the success of a new affiliate that is on a budget for their activities in the course. Then they show up at a personal residence without an appointment? The people selling are small firms as aggressive and hound. What happened to privacy? And 'BBB resorting to new tactics after the law came into force recently telemarketing? The BBB has been told by our franchise who were not interested, after several calls, so as to present to their house? I'm sorry, but this is not what drives a little ', harassment? Yet no one will enforce these problems.

If any other small business people, Chamber of Commerce, SBA office, SBDC or franchisor are having this problem, I would sure like to know. Yes, we are also involved, but this does not mean that we allow this injustice to continue. This is unacceptable behavior and the BBB should be disgorgement of these ill-gotten gains. These amounts should be rightfully restored to the companies and the FTC should not get a penny because they are in cahoots with the BBB and are allowing this to continue for years and years. The FTC and the BBB should stop throwing stones against their franchisor and franchisee members of the team.