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Business finance has become one of the most popular terms today because there are a lot of entrepreneurs out there who have big ideas and would like to share with society the products and service that they themselves have to offer. While it is true that businesses need a bigger amount of capital today to start a business, the manner in which these capitals may be acquired have become a lot easier thanks to the availability of funds that financial institutions have to offer.Business finance companies are very important in doing business especially if you’re new or struggling. Business owners are able to seize good loans for their business because of better interest rates that these banks and other financial institutions have to offer. One probable reason for good interest rates today is the fact that there are a lot of businesses that need to loan capital that there is also an increase in competition between these banks that provide the loans.Securing loans through business finance companies is easy. There are certain documents that have to be prepared and presented when seeking a business loan. Documents such as the balance sheet, income statements, and the cash flow documents are the very basic documents needed. It is also important that the entrepreneur can secure proof that the loans that are to be given will be used for the sole purpose of the business itself.Today, there are many business finance companies that are willing to lend you a hand. In order to choose the right one, you better look for a company with competitive packages and reasonable rates. You also need to know the terms and conditions before making your final decision.

eCommerce is proving to be the choice of many businesses due to the apparent downturn in the economy and consumer demand. With expected continued growth it may be time to measure up the pro’s and con’s of developing an eCommerce presence and what steps are necessary to experience growth within this proven strategyAccording to Forrester Research, 2007 online sales experienced a growth of 21% over 2006 and future trends show a continued growth of around 14% p/a over the next 5 years, despite the current wavering economy.The Dilemma of developing an eCommerce site that performs -How do you build a good eCommerce website that delivers profits to the bottom line? One of the great challenges for Australian Businesses deciding to tackle the on-line world, is in the style of site they believe they need to design to generate any real profits.Director of retail Phil Bonanno from The Leading Edge said, “Many websites in Australia are a basic catalogue pages placed on their website. There isn’t really a good demonstration of integration between websites and other technologies. A Majority of websites lack innovation, offer nothing new or exciting and fail to engage their visitors,”This identifies an untapped market in Australia, where anyone with vision can establish themselves as the market leader in their niche.Successful eCommerce websites are built by using Proven Techniques -The key to a successful eCommerce site is in establishing a solid foundation and planning the future success. It’s important to understand the message you want your potential customers to interpret from your business and how a customer will buy a product or service from you.Think of creating a new website like the opening a new outlet or store.Would you expect to have a high performing store if your customers had to walk through an unidentifiable maze to find your cash register? Or even worse, would you design a physical store where you customer is ready to buy only to discover they can’t complete their transaction as they are shopping in a display only store?It is critical for your customers to find their shopping experience simple and enjoyable.It is possible to achieve this through a combination of proven web design and eCommerce techniques.eCommerce offers a Measurable Return on Investment -One of the greatest challenges in marketing is through understanding what does and doesn’t work. Different marketing strategies can take months to come to fruition and you may not even understand if they are actually achieving a return on investment. eCommerce is proving to break free from the mould offering a medium that allows successful measure of campaigns through applications such as Google Analytics.As David Trewern from marketing agency DTDigital was quoted as saying “You are able to prove your return on your investment – it is pretty difficult to find that level of information and data from other methods of measurement. You no longer have to guess what is working which gives you an upper hand in a bad economic environment, when people want to ensure they are achieving a result.”eCommerce offers the opportunity for all businesses to compete on a level playing field -In the world of Bricks and Mortar there is a huge difference between small and big business. Myers, David Jones and Woolworths hold the obvious upper hand over smaller independent retailers. This translates across many different industries and identifies a necessity to consider other mediums in order to grow business.Any business with a solid eCommerce plan are proof anyone can out perform their competition in the on-line world.vroomvroomvroom are one of many examples of sites that demonstrate how a business can compete on the same playing field with websites like Avis, Hertz and Budget car rentals through smart design that make their eCommerce solution intuitive and easy to use.They currently have only 10 employees, and through well thought eCommerce strategies and implementation of technology have established themselves as market leaders in the Australian car hire industry. By redeveloping their eCommerce strategy they managed to grow their revenue by 121% in 12 months.Do I need to take out a second mortgage to get a piece of the eCommerce action?With expected growth of 14% p/a it is important to ensure you have a well thought eCommerce strategy to establish yourself as a leader in your niche. This will obviously involve an investment, but will not cost you anywhere near the price of setting up a physical shop and hiring a team of people to run it. Think of an eCommerce presence like a sales person servicing your customers 24/7, reducing your time and expenses you’d normally have to spend.In today’s economic climate it is critical to ensure you are adapting to the market place. What better way to do that then to become a market leader in your niche through the development of an eCommerce strategy that will outperform your competition.

Advertisement revenue has long been the life blood of independent broadcasting companies. However, advances in television technology, most specifically the arrival of interactive television, has meant the number of ways in which broadcasters can generate advertising revenue has increased, giving birth to advanced advertising methods. It has also meant that television, as a mode of advertisement, has been rejuvenated.Interactive television has been the most important development in broadcasting, but it has meant a greater range of advertising methods. Advertising has evolved thanks to the evolution of technology, with content targeted advertising, for example, now allowing advertisers to reach only those who are truly in the market.And, while ad insertion techniques allowed mass advertising to relevant audiences, such as products to local markets rather than a national spread, the development of dynamic ad insertion has brought further possibility through flexibility in advertisement broadcasting.Advanced technology has meant that advertising has become advanced also, with interactive capabilities on digital transmissions allowing viewers to choose, not only the programmes they want to watch, but also the advertisements to view. This freedom of choice arrived initially when the ability to skip advertisements was introduced, a feature that effectively replaced the desire to leave the room during ad breaks. This lack of love for the television advert has long been known by the industry, as has the knowledge that the effectiveness of a television ad was low.Returns on an investment in a traditional television advertisement campaign are low because the message is sent to everyone watching, a large proportion of which are simply not in the market. For example, if 2 million people are watching the Monday night film, only a tiny percentage of those are likely to be thinking about buying a new car. And, of that number, only a small percentage would be in the market to by a Lexus car. Therefore, Lexus can expect a low return on their television ad.However, thanks to targeted advertising on digital television services it is now possible for only those interested in a Lexus to choose to view the advertisement. Of course, the advertisement itself must still be created for a considerable cost, but the chances of a better return are significantly increased. This is because the ad is targeted at specific viewers, with viewers of a programme on the history of the motor car likely to be watched by people who have an interest in motor cars.By targeting this programme, there is a greater likelihood that viewers will be interested in buying a new car with advanced features, perhaps even a Lexus. Now, instead of a tiny percentage of 2 million viewers, a significant percentage of 2,000 viewers who have chosen to look at the advertisement will actually purchase or, at least, consider and enquire about purchasing the car.Ad insertion brings the advantage a step further, with viewers able to delve into further information through the digital capabilities of the set top box. Windows of information can be brought up, providing details on sales promotions in certain areas or regions, specifics of the particular Lexus shown in the advertisement, or even the full range of Lexus cars and their prices.In essence, the viewer can access a complete brochure through the digital platform. It is also possible for viewers to look at what other car manufacturers have to offer, with advertisements associated with the core topic the priority.Of course, the dynamic element of this advertising method means that there is an near endless list of advertisers for broadcasters to sell ad space to. The sense of ad space has changed from time to server presence, so instead of three car ads using up 90 seconds of broadcast time, seven times as many can be available to access at any time by viewers.With the benefits of advanced advertising clear to see, advertisers are quick to turn to the capabilities that interactive television is providing. But the advances in digital interactive television have created even more advertising opportunity.Not only has content targeted advertising meant that the rate of return on advertisements has been greatly improved, but the arrival of dynamic ad insertion now means that more companies can take advantage of programming relating to their own products. This, in turn, means the potential for an increase in advertisement revenue for broadcasters is there.

Many people say that the business drives the technology whereas some people say that the technology drives the business. It is really unknown that which is really responsible for what and I must say that the emergence of the information technology has really made it even more complex. All the people who are involved in the business as well as the technology are really in dilemma that which theory is correct. However I have different ideas. I feel that sometimes the technology drives the business and sometimes the business drives the technology. In fact it is right to say that the business and technology are interdependent. I would like to prove the same with the help of this article.Just think that when it was decided that each company should have a board of directors. I must say that this is really a very old practice. Even the ancient Romans too had this in their administration. I really feel that this indicate that the technology came afterwards and hence business need lead to the evolution of the technology. For example the telegraph became famous because of the Reuters. In deed it was the biggest news agency in the world which first used the telegraph for their work. There are many more examples.The industrial revolution which brought about the great change in the field of the business was ignited due to the invention of the steam engine. This really made the world of business grow fore fold throughout the world. This gives us the indication that the technology played an important role for business to become global. In fact the technology is responsible for the globalization of the business.But this does not mean that the technology drives the business. Yes, you can say that the technology increases the speed at which the business activities are performed. But saying that the business is driven by the technology is still not correct.Let me explain you another side of this topic. You know why the telegraph was discovered. Yes this happened because the world of business needed this. The Reuters were the first to use the telegraph and they become the best in the world. Hence can we say that the technology works as the cutting edge so that one business leads over the other? Yes this is really the truth and this time we are absolutely right. This is really the main thing about the relationship between the technology and the business.One can only say that with the help of technology you can win the race which is on among the rivalry businessmen. Let’s think about the issue of the first paragraph and I am quiet confident to say that sometimes the business is driven by the technology and sometimes the technology comes into vicinity because of the business needs.

I was a staff member at the Ovis Farm Project in Devon, England, for three years. The Project is run on the Therapeutic Community model.The Therapeutic Community is a self help approach to treatment for people with addiction and related problems. It is a drug-free environment in which people recovering from drug and alcohol addiction are able to live together in an organized and structured way. The aim is to promote change and make possible a drug-free life in the community when they move on.1. The values of a Therapeutic CommunityThe Therapeutic Community believes that people can change and creates an environment that helps to facilitate change. The Therapeutic Community allows a person to grow by fostering an environment where people are valued and accepted.A strong sense of belonging to a nurturing community in an atmosphere of trust and security, is a central tenet of the therapeutic community. Members of the therapeutic community need to take responsibility for themselves, others and their environment.Members of the community must be positively motivated to change, and to accept the communitrules.
These rules uphold the values and norms of the community, which are a reflection
of those held by society.Therapeutic Community principles can be applied to the therapeutic care of a wide range of people2. The Physical Environment of a TCSome Therapeutic Communities operate in closed systems like a prison or, say, a nursing home for people recovering from mental illnesses. The residents of these, and similar institutions, may not have a say in whether they enter in institution, but they are generally able to volunteer for the Therapeutic Community. In a prison that operates this model, a separate wing may be used.Therapeutic Communities operate in purpose-built structures, as well as a range of converted buildings such as schools, churches, or a farm. The size, grounds and design of facilities also vary, but are generally adapted to the types of educational and vocational training offered by the Therapeutic Community. At Ovis Farm the residents were able to work with the farm manager on the work element of the programme. This probably represented one day each week. In its way, it was a unique feature that this project could offer because of its location.The residential capacity of a Therapeutic Community program commonly ranges from 50 – 150 residents. An ideal size is often described to be in the range of 80 – 120 residents. This suits big institutions but in recent years the Therapeutic Community model has been applied to smaller groups, like Ovis Farm, of maybe a dozen residents.Therapeutic communities are generally open environments where residents choose voluntarily to live for a period of 6 to 12 months, and in some cases, longer. Although strict limits are placed on residents’ comings and goings, residents who comply with all house rules and programme requirements may gradually earn privileges to leave the facility through day, overnight or weekend passes, particularly to visit parents, partners or children.The key interior spaces in a Therapeutic Community consist of areas where the operational, educational, and therapeutic activities of the program are held. Common spaces include lounges, training rooms, the dining room, and kitchen. Private spaces include administrative offices and conference rooms. The residents have their own private rooms, and some staff may live on site.3. The Social EnvironmentResidents take on more responsibility as they learn the concepts of the Therapeutic Community and are able to help fellow residents. It is their understanding and application of the Therapeutic Community concepts that gives a resident more responsibility, not the length of their residency. In this way, the group or peer dynamic is a persuasive influence on residents’ desire to become more responsible and accountable.Residents take on supervisory responsibility in the different departments in the community. For example, one may oversee the kitchens to ensure that the necessary provisions are ordered each week to fill the menu requirements. They would also ensure that the hygiene standards are met, and to help others prepare meals for the community. Another resident may look after the grounds or maintenance work.4. Resident ProfileMost residents of Therapeutic Communities are considered to have hit ‘rock bottom’ whether they voluntarily enter a community or arrive through the criminal justice system. Many residents have been drug addicted for years and have a history of criminal activity or other legal problems. Although many residents arrive with a host of health related problems, most Therapeutic Communities stipulate that residents must be healthy enough to undertake physical labour and participate in training programmes and other group-related activities.The admission process for Therapeutic Community residents should be rigorous. It typically involves an initial visit or phone call, admission to a waiting list, an orientation process, one or more intake interviews, and in many cases, medical, legal and psychological assessments, and consent to treatment. A thorough initial assessment may help reduce the drop out rate which is most critical during the first 30 days.5. Staff ProfileStaff participate as members of the community. Staff often share everyday tasks with the residents, as well as facilitate group meetings and one to one sessions. Staff are able to express their own reactions to events and situations, and accept challenge or criticism from residents. Many staff members in the smaller communities may have been former residents. In this way the traditional ‘them and us’ split between professionals and service users is broken down. This helps to develop a sense of trust and intimacy enabling residents to experience different relationships with authority or parental figures. Staff and senior residents are also able to act as role models, by being open and honest. This carries the risk of staff becoming over-involved, which makes staff supervision essential in this way of working.6. Education and TrainingThe elements of treatment at the Therapeutic Community typically include addiction treatment, education, primary medical and dental care, vocational skills training (e.g. cooking skills, carpentry, general maintenance, and computer skills), on- and off-site job placement, and in rare cases, on-site resident-run businesses. Christian run Therapeutic Communities will give some opportunity for residents to address their spiritual needs but will not insist that residents are Christians when they enter, or that they become Christians during their stay.7. The Daily TimetableResidents can expect a highly structured and demanding daily routine within the Therapeutic Community. The typical day includes a 6:30 or 7:00 AM wake-up call, morning and evening house meetings, job functions, therapeutic groups, life skill seminars, vocational training sessions, some personal time, recreation, and individual counselling when necessary.Weekend schedules are somewhat less demanding, although Saturday mornings may be taken with group meetings. A Christian run Therapeutic Community may have a commitment to attend a church service on Sundays. This is not just a spiritual consideration, it allows members of the Therapeutic Community an opportunity to increase their support network and generally meet positive people outside of their usual peer groups.Structure and routine are integral to the daily running of the Therapeutic Community8. Moving OnThe most important part of any recovery programme is probably preparing the resident for ‘re-entry’ into the community. This term sounds a bit like a space craft returning to the earth’s atmosphere. In some ways, this is a sound metaphor. If this is not done correctly the resident can burn up and disintegrate rapidly.Some Therapeutic Communities insist that no resident leaves the program without a full-time job including a place to live and a support network. Family reconciliation is often incorporated into re-entry. Maintaining a drug free lifestyle often means learning more coping skills so it is recognized that moving on is a transitional process. One of the supports most commonly identified as essential to resident success once they leave the Therapeutic Community is transitional housing (a half way house) and affordable longer term housing. This is a major obstacle in the UK (and many other countries) due to lack of good basic accommodation. Many Therapeutic Communities find creative ways of organizing this.

Have you made up your mind to start investing in real estate, but you’re torn in deciding where to invest?Are you thinking about making a local investment, but wondering if an out-of-state investment might be better?This is one of the first of many choices you’ll have to make when you decide to invest in real estate: the simple question of where you should invest your hard-earned dollars. While there are definite benefits to investing in your area, there are also some potentially profit-limiting downsides.That’s not to say investing in outside areas doesn’t have its own pros and cons. Let’s take a look at both and see why out-of-state real estate investing might be a profitable option you have not yet explored.Investing LocallyThis is the most obvious choice for many real estate investors, but is it really right for you?If you choose to buy a property local to you, you’ll rest easier about your investment since you know the market. First, you know your competition. You might know the names of professionals you can trust and you’ll have an intimate understanding of what the cost of living is for that area and how to make things more affordable.Second, if you like to be hands-on, it will be much easier for you since you’re right there. If you want to see the property, it’s just a short drive away. If you want to talk to the property manager face-to-face, you just put it on your calendar for the end of the day.Drawbacks to Local InvestmentsOn the other hand, investing solely local can narrow your options. Not every market has the inventory of good investment opportunities that you can avail yourself of if you invest out-of-state. The local inventory of available properties may or may not be big enough or well-suited for investment opportunities.You also run into the problem of whether your local market is the one you want. The recession made a huge impact on housing markets throughout the country and some areas have recovered at different paces than others. You might find yourself out-priced in your current market, but even if you aren’t, you might not be able to see a favorable future where you’re at.Investing Out-of-StateIf you decide to invest out-of-state, you can greatly increase your options. You can literally choose any location, any market and invest in properties there. Whether you want to invest in Florida vacation homes and coastal villas or homes in the suburbs of Detroit, the sky’s the limit. You can make your investment fit your price point and interests.By investing out-of-state, you can put your money to work in markets with high ROI. You pick and choose which markets you’re interested in, and which ones are rising stars in the real estate investment scene, ignoring your own market’s changes.Investing out-of-state also allows you to scale based on your needs. For many would-be investors, their local market is priced too extravagantly to make real estate investment prudent. The cost of living in a different state, just a few borders east or west, might be considerably lower. That means you can snatch up excellent properties at a much lower cost than you might in your own market.Even better, you can snag those investment deals on excellent properties that would go for three to four times as much, if not more, in your own local market. Your purchasing power becomes much stronger in other markets, because everything’s relative.Challenges of Out-of-State InvestmentsThere are still some challenges to these remote investments. First of all, you have to learn who you can trust and maintain the peace of mind that comes from having easy local access to your investment. You also have to be able to trust that the property you’re investing in is what it’s advertised as.The property is also more difficult to visit if you like to be hands on. You might have to fly out to visit the property, which some people enjoy but others are seriously bothered by. If you are the type of investor who prefers the more passive turn-key approach, this is an excellent opportunity.Finally, the market won’t be what you’re used to. Nothing will be quite the same as being there and immersing yourself in the market, but you can learn and study. You just have to rely on someone else to have knowledge of the nuances of the market.Doing Out-of-State RightThere is a solution to all of the challenges of real estate investing outside your state. When you find a reputable, proven company to handle your turn-key real estate transaction, you have someone you can count on to know the market you’re investing in. Here are the main reasons you should find a partner to work with you on your out-of-state investments.

They can keep a more educated eye on the market, since they know all of the nuances of that area.

They’ll serve as your presence near your investment, keeping everything on track, so you don’t have to make numerous trips to the property.

If the turn-key real estate investment firm is reputable, they want you to succeed. This means they’ll do anything they can to make sure you do succeed.
The question becomes, whom can you trust? You want to make sure you engage in a partnership with a firm who is reputable, knowledgeable and engaged in your market. Referrals from other investors are key, so be on the lookout for like-minded people who have been there and done that.You should also investigate what the turn-key operation offers you, and what their fee or cut of your profit is. Ideally, you’ll want a partner who can help you throughout your investment lifecycle, from acquiring the property to managing it.Getting StartedWe’ve gone over the benefits and drawbacks of out-of-state investing, so now the decision is yours to make. Do you still want to invest locally or have you realized that the time is ripe to diversify your portfolio and invest in out-of-state properties? The benefits of out-of-state real estate investment are huge and the drawbacks can easily be mitigated by partnering with someone in the area in which you’re investing.