Finance and Investment

Everything related to finance and investment

How to Plan Your Business School Campus Visits

Everyone knows how expensive it can be just to apply to colleges, but visiting those colleges is a whole new expense of its own. Depending on how far you have to travel, when you can take time off of work, and how many schools you plan to visit, your campus tours could end up costing you almost as much as your first semester of college. That’s why you need to plan things out very carefully and make sure that you’re not being inefficient with your spending. Here is how to plan your business school campus visits.

Decide How Far You are Willing to Travel

Before you start applying to schools, you’re going to have to be realistic with yourself when it comes to how far away you are willing to go. Are you willing to leave the country? Are you willing to leave your state? Are you willing to venture to the other side of the Mississippi? You want to remember that you will probably want to come home during the holidays and summer break, and you will need to account for the travel costs for all of those breaks.

Make a List of Top Schools

Coming up with a list of top schools is not as easy as most people would think. You need to do a lot of research before you can narrow down that list. First, you need to research the accreditation for a specific program, then you need to do some research on some of the top faculty, and lastly, you need to compare your findings between different schools. You want to know how USC’s library science degree program differs from that of USF’s, and so on.

Find Out Which Ones Hold Interviews

Depending on the school you’re applying to and the specific programs that you’re looking at, you may or may not need to show up for an interview before the school decides on your acceptance. It’s important that you find out which schools will require an in-person interview and which ones won’t. Once you know that much, you can make sure not to visit those particular schools until you find out whether or not you have an interview.

Do Some Research on Travel Costs

It’s important that you know how much it’s going to cost you to do all of these visits and whether or not there are better times of the year for visiting each school. Any time there is a major convention or festival in any particular city, travel is going to be more expensive. You want to make sure that you do some research on each city that you plan to travel to and make sure that you are scheduling your flights and/or booking hotels during times when tourism is low.

Take Advantage of Google Maps

There’s nothing worse than putting all the time, energy and money into a college campus visit, only to be disappointed the moment you walk onto the campus. If this is the case, you will be kicking yourself for not doing a virtual tour beforehand. That’s why you want to use a program like Google maps, so that you can get a street view tour of the campus before you actually head out there.

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The Benefits of Starting a Side Business in College

Being a college student and an entrepreneur is a trend that’s growing increasingly popular today. The Internet has made it so that anyone can become a business owner at anytime. But whether or not the business becomes a success is another story. Starting a side business while you’re still in college can be beneficial in a number of ways. It can teach you a lot of lessons early on, allowing you to perfect your methods before you get out into the real world. If you’re studying business or marketing at the University of Cincinnati, then this is a great way to get your feet wet.

Here is quick look at some of the benefits associated with starting a side business while you’re still a college student.

The Risk is Low and the Reward is High

As a college student, you don’t really have much to lose. It’s not like you have a mortgage, car note and children to worry about. So why not take this giant leap of faith in starting up your own side hustle? Worst case scenario, your business ends up being a flop, putting you back to square one. On the up side, it could end up a winner, awarding you with unimaginable profits. It’s a good time to test the waters and learn from your mistakes.

Free Resources On Campus

In the real world, you have to spend thousands of dollars on education, books and consulting services. But in college, you have access to a large public library, electronic databases and professors who are willing to give you great insight. There are some professors who will be more than happy to help you jumpstart a new business.

Get a Dose of the Read World

Running a business will give you real world experience that can be used in your career later on in life. Even if you don’t continue to be an entrepreneur, you can use the lessons learned to work in whatever positions you end up in down the road. You can only learn but so much from college textbooks. If you really want to grow as an individual and professional, this is a great way to do that.

Easily Test Your Ideas

There are hundreds, if not thousands, of students on campus who may be willing to test out your ideas. If you have a fashion line, bakery or tutoring service you want to kickstart, you can start accumulating customers from your college campus. Another good thing about testing your ideas on other students is that they will be open to offering their honest feedback. Don’t take this to heart – use negative comments as an opportunity to perfect your business plan.

Easy Access to Mentors

All you have to do is throw around that you’re a student at so and so and you can get access to entrepreneurs who are more than happy to set aside time to give you advice about your new start up. Just email the CEO’s assistance and they’ll put you in touch with the boss.

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5 Helpful GMAT Prep Tips

The GMAT is one of the most fascinating standardized tests. It doesn’t measure one’s intelligence and it doesn’t measure knowledge – or even skill for that matter. The truth is that the GMAT will test an individual’s problem solving abilities. This ability to problem solve is essential in higher learning and it is essential in your career.

For instance, if you are taking the GMAT to get into business school, your score will determine whether you get into a good business school and a great business school, like Northeastern University. Before you take the test, it can help to have some GMAT prep tips. The exam is known to be difficult to those that don’t understand its nuances. Here are five helpful GMAT prep tips.

  1. Take Practice Tests to Get a Feel for What it Will Be Like to Take the Real Thing

The real exam will be unlike many tests you have taken in the past. This is why you want to take practice exams – to get a feel for how the questions are worded. You also want to get a feel for how you will answer those questions.

  1. Work with a Tutor that Knows the Exam Backwards and Forwards

If you feel like you are stuck, or if the practice test is too hard, you may want to work with a tutor. A specialized GMAT tutor will help you get the hang of the test. More than anything, you want to get into the mindset of the test. Oftentimes, getting into this mindset is half the work.

  1. Be Sure that You Go Over Your Notes and Work out the Problems

Of course, your GMAT will present a lot of problems that you will need to solve – in a short amount of time. This is sort of how the real world will be. If you are in a situation where the business you work for needs an immediate decision, you will need to solve a problem very quickly. This is exactly why you want to go over your notes and really become prepared with the materials that may be on the exam.

  1. Get Plenty of Sleep the Night Before the Exam

Of course, you want to be sure that you get a full night of sleep the night before the exam. Your cognitive thinking abilities will really be put to the test, so you will need to be firing on all cylinders. Even at the end of the exam, when you are ready to quit, you want to have your backup generators ready. The only way to do this is with eight hours of sleep the night before.

  1. Take a Jog Around the Block Before You Start the Test

On top of everything, you may want to think about taking a jog around the block before the exam. This will release endorphins and it will get your blood pumping. This will be essential if you want to boost your cognitive capabilities. Besides, this will be the type of test preparation technique that you will use repeatedly when you are earning Northeastern’s online masters in taxation.

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Content Writers in Jaipur – Abundant openings on Contentmart

The advances made in the digital world have changed the concept of the conventional marketing. The rivals use the web to promote their products and services. A well-worded content on a web site is sometimes better than the spoken words of a sales representative. The written texts like product descriptions, articles, brochures and newsletters play an important role in the advertisements through the net. Those who have the talent to write can earn a lot by selecting the career of content writers.

Jaipur is a city with many tourist and business activities. There are many clients like hotels, toor operators, resorts and business houses looking for talented content writers in Jaipur even in regional languages. There are many freelance copywriters in search of content jobs. Normally some agencies do the job connecting the clients to the freelance content writers. The Contentmart portal is one such platform connecting the clients and the content writers. The Contentmart website was launched in 2015 and is the only such platform exclusively made for writing jobs. There are about 20,000 clients and 11,000 writers registered with Contentmart.


For the clients the punctuality and the quality of the contents are the features that make Contentmart dear to them. They need not pay for the contents that are not satisfactory. Refunds are assured by Contentmart for the unduly payments made by them. The client is free to select the writer after going through the profiles of the writers. The content offered by the client will be visible to all the registered writers. The client can negotiate the price with the writers and make agreement with the writer on price and time schedule. When the customer gets the content, it can be revised by mutual agreement through an in-built chat system.

For a new applicant as a freelance content writer at Contentmart there will be a test to assess his/her talent. The writer will be asked to prepare an article on a subject suggested by the Contentmart team. If the test is satisfactory the writer will become a member of the team with a ‘verified’ status against his/her profile. Contentmart will ensure that the freelance content writer is getting jobs according to his qualification and talent.


Contentmart is a work place where the writers are assured of payments for the job they have done. The client is directly paying the copywriter the amount that is due for him. The payment is through an account maintained by the client with Contentmart.

All those freelance writers located in Jaipur and who are interested to be a part of Contentmart can get registered at ‘’ using their email ID or face book account. You are assured of income even working from home in your free time.


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How to Trade Forex

The foreign exchange market, also known as forex, is one of the largest markets in the world. Historically, only those with abundant resources could participate in the forex market. However, thanks to the internet, average investors can now buy or sell currencies from the comfort of their own home.

Each forex trade involves buying one currency and selling another simultaneously, this combination of two currencies is called “Currency Pair”; in a currency pair, there is a base currency and a quote currency. Buying a currency pair means the purchase of the base currency and the sale of the quote currency.

The bid price (buy price) is the amount of quote currency is needed for one unit of the base currency. The ask price (sell price) is the amount of quote currency you will receive for selling one unit of the base currency. Typically, no commission or transaction fees is charged in forex trading, the traders simply pay the difference between the ask and bid price, which is called “spread”.

For example, the USD and EUR pair is quoted as USD/EUR = 1.5, this means that when you buy the currency pair, you receive US$1 for every 1.5 euros. If you sold the currency pair, then you would receive 1.5 euros for every US$1. Here is another great example from CMC Markets.

Much like the stock market, trading currency pairs also has a bid price and an ask price. The bid price is the price you will get when you sell the base currency; the ask price is the price you will pay when you buy a currency.

Like most trades in the world, forex trading is also about supply and demand, the major currency pairs that forex traders focus on are EUR/USD, USD/JPY, GBP/USD, USD/CHF, USD/CAD, AUD/USD, NZD/USD. This means that the forex traders only have to “keep up” with the economics and policies of these eight counties, unlike in the stock markets, investors often have to keep tracks of numerous stocks.

The daily movements of currencies are usually very small, so the use of leverage is very common. This has increased the popularity of forex, along with other characteristics like fast transactions, twenty-four hours trading and typically no transaction fees or commission. Another key reason why many average investors prefer forex market over the stock markets is that, thanks to its massive market size, it is very difficult for anyone to manipulate the market; unlike in the stock markets, one or two huge trades could potentially “move the market” and at times makes it relatively easy for market manipulation.

In the retail market, leverage can be as high as 250:1. Keep in mind that although the use of leverage can magnify your gains, it can also magnify your loss, for the same reason, trading on margin carries a high risk and may not be suitable for everyone.

To calculate forex price movement, first you have to know about the “pip”, an acronym for “percentage in point”, sometimes also called “point”. A pip is the smallest price unit to a currency, all major currencies use the fourth decimal place to quantify a pip, except for the Japanese Yen, which uses the second decimal place. To provide greater accuracy, some brokers may quote to the fifth decimal place, this is called a pipette. For example, if USD/EUR goes from 1.5992 to 1.5993, we can say that it has moved one pip. Finally, the value of a pip can be calculated by multiplying your position size by one pip.

Once you are ready to start trading, all you have to do is open an online forex trading account. You usually don’t need a lot of money to start trading (another reason why forex trading is very popular), and it usually involves no transaction fees or commission, so when choosing a brokerage, the main thing is to make sure it is regulated by an oversight body.

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Precision Dairy Farming Leads the Way in Livestock Management

Usually when people in the farming industry speak of precision farming they are referring to establishments which specialise in arable farming. But it seems that the dairy industry could also benefit to a great extent from using precision techniques, according to Dr Mark Rutter from Harper Adams University. In fact, Dr Rutter believes the dairy sector could become a crucial part of the precision farming method, and that it could have a big impact on productivity, the welfare of cows and even on pollution levels.


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What This Means for Dairy Farming

Of course some technology is already being used on dairy farms. This includes automated feeding and milking, as well as the measurement of rumination and foot health and the monitoring of when cows come into oestrus. But according to Dr Rutter there are a variety of opportunities for new technology to be implemented on dairy farms to increase efficiency and productivity.

One of the ways precision methods can be incorporated is through the use of smart housing. Studies have shown that cows with access to both indoor and outdoor living spaces yield more milk. By creating ‘reactive’ buildings, with curtain controls, movement sensors and temperature sensors, cows will be able to experience a more comfortable living environment with ventilation being controlled according to their requirements.

Another way is through the use of precision grazing, which is an excellent way of managing grassland. First the available forage must be measured, and then compared to the needs of the cows to work out which area of pasture the cows can have access to and for how long. Robotic fences and time release gates will be key to this precision method of feeding and both activity monitors and bioacoustic monitoring will also be used.

To learn more about precision farming and how it can be utilised in the dairy farming industry check out and–what-does-it-mean-and-what-is-available/).

Improving Technologies

With farmers reliant on effective dairy processing machinery it’s predicted that companies like, and similar specialist farm machinery auctioneer and brokers will see increased business through sales and company surplus.

As with so many other industries in the 21st century, dairy farming is having to modernise and adapt its techniques to promote efficiency and it looks like precision farming is the way forward.

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What Should You Look For In a Bankrupt Attorney before Hiring?

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Bankruptcy lawyers help you through a tough phase of life. They are your only rescue when your business is drowning.  To achieve success in the legal case, you need to find a good lawyer. Many times clients are in tension or have lack of time, so they don’t carry out a thorough evaluation before hiring a lawyer. In this article, we will tell you few basic requirements that a bankrupt attorney must have.

Why do you need a bankrupt attorney?

Bankruptcy can be a real threat to any businessman. When creditors are losing patience and becoming desperate, many business owners choose bankruptcy lawyers just on the basis of price, an advertisement or without any criteria. Bankruptcy lawyers at help you avail the best services and relieves you of anxiety and worry attached to the case.

Get returns for your fees paid to the attorney

The main element when it comes to hiring a bankruptcy lawyer is the fee charged by them. Some lawyers charge exuberant fees. So before hiring them, make sure their fee structure suits your budget. Whatever amount you are spending on the lawyer, you should get equivalent returns in the form of solution of the case.

Ensure that the fee charged by the lawyer should include various things such as consultation with the client, evaluation of the present financial situation, preparation of the case petition, review case petition with the client and attending face to face meeting with the creditors.

Take help of an expert who is fully updated about the changes in the code

These days, there are so many changes happening in the field of law on a daily basis. To execute a case efficiently, it is very important that the lawyer keeps himself updated about the changes in the law. For example, some laws say that the debtors have to repay all the debts and are not allowed for open forgiveness.

Individuals have to file for bankruptcy protection before undergoing credit counseling. The bankruptcy attorney you choose must be well aware of all the tiniest amendments and additions to the code.

Look at their client base and past case records

Before hiring a bankruptcy lawyer, it is important to look at their present client base. Reading testimonials on the website or personally checking with their past clients would give you an idea of their skill, competency, behavior, success rate, technology used, ethics, professionalism, etc.  A good bankruptcy lawyer would have a large number of satisfied customers and success rate.

Comfort factor

Before hiring an attorney, you need to visit their office personally and talk to them. Comfort factor is the first thing that determines whether the lawyer is ideal for you or not. A good lawyer has to be gentle, patient, calm, intelligent, understanding and strong. It is a very important feature as you have to deal with them on several occasions for various issues throughout the tenure of the case.

So these are must have qualities that you should not compromise while selecting a bankruptcy lawyer.

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Things to Know About Bail, Bail Bondsmen and Bounty Hunters


It is very traumatic to witness your loved one or friends being arrested. However, we may often come across such unfortunate events. We are all aware that bailing can set the suspect free for some time. Let us know how exactly the bail system works.

How the bailing is done?

Bailing is done by a legal and professional agent, commonly known as bail bondsman. These agents will issue a petition to the court, stating to set the suspect free. The bail bondsman takes the responsibility of the suspect, that the person will be present on the dates of trial. The court passes the petition and sets an amount for setting the suspect free.

The charges of the bail bondsman are different, as it depends on the severity of the crime. Commonly, they charge 10 percent on the total bailing amount. This means, you have to pay an additional 10 percent that you are paying to the court. In short, how much bail do you pay depends entirely on the jurisdiction of the court and its monetary conditions.

How to hire a bail bondsman?

Hiring a bail bondsman is not easy. A reputed agent or a company will first do a background check of the suspect. They will ensure that the person is not a pronounced criminal. Additionally, the charges are also very high because they will also help you in hiring a good lawyer.

However, some states do not permit this service. You will be well informed about the state laws before hiring once. Since, the service is very popular there are huge numbers of frauds in the market. Additionally, a legal agent will have the legal licenses and authorized certificates.

Ask for those documents before you are investing your money. The best way to hire a bail bondsman is to look for recommendations. You can ask your friend or families about a good agent. You can always search for a good professional in the internet.

A successful professional will always have a website. Look for the client testimonials. Read what others have to say about the services and how prompt the services of the person are.

Why do you have to sign the bail even if you are hiring a bail agent?

In simple language, the bail agent gives money to the court and a legal petition. You have to return the money after the case gets solved with more 10 per money added as a service charge. Now, you have to take the responsibility on behalf of the accused, which means you are giving guarantee to the bail agent on behalf of the suspect.

Who is a bounty hunter?

A bounty hunter is a professional, who has to search for the suspect, in case he has fled from the place and did not attend his trials. The procedure is not very easy and a bounty hunter can take rough measures in order to produce the criminal to the court.

Moreover, ask for the person’s availability. This is because you never know when an emergency situation demands professional attention.

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Company Credit Creating Initial Necessities

Before a person start trying to get business credit score, make certain you take time to verify that agencies, banking institutions, and industry credit suppliers have your company listed using the same Taxes ID quantity.

Business address should be a actual brick-and-mortar creating, deliverable home address cannot be considered a home tackle, cannot be considered a PO Container, and can’t be a UPS tackle. Some lenders won’t approve as well as fund unless of course this requirements is fulfilled.

You should have a devoted business telephone number that is actually listed along with 411 listing assistance, underneath the business title. Lenders, suppliers, creditors, as well as insurance companies will verify that the business is actually listed along with 411.

You have to use a company phone quantity, not a house or mobile phone. You ought to get a good 800 quantity and fax quantity. Voice more than IP amounts are alright, you cannot use a house phone or mobile phone.

Credit companies will research your organization on the web and it’s best if these people learned every thing directly out of your company web site. You also needs to have an expert email address for example.

These tend to be super inexpensive and simple to setup. Lacking either Can make you appear not reputable.

You’ll have to contact their state, County, and Town Government offices to determine if you will find any needed licenses as well as permits to use your kind of business. Do not really apply if you’re unlicensed when you ought to be.

Take time to confirm that primary agencies (Condition, IRS, Financial institution, and 411 nationwide directory) have your company listed exactly the same way with your Precise Legal Title. Also take time to ensure each and every bill you receive (energy bill, telephone bill, landlord, and so on. )#) has got the business title listed properly and involves the company address.

Those accounts will report towards the business confirming agencies within 30-90 times or as much as three confirming cycles.

Once documented you’ll then possess a business credit score profile. You’ll possess a good business credit rating if you paid your own bills promptly.

And you will have multiple tradelines. You will need to have 5 reported accounts to maneuver on and begin getting shop credit, the next phase in creating business credit score.

A vendor credit line is whenever a company (merchant) stretches a credit line to your company on “Net 15, thirty, 60 or even 90” day time terms. Which means that you can buy their services or products up to some maximum buck amount and also you have 15, thirty, 60 or 3 months to spend the bill entirely.

So if you are set-up upon Net thirty terms as well as were to buy $300 really worth of products today, then which $300 arrives next 30 times.

Contact all of us today for more information about creating credit for the business!

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3 Kinds of Credit Your own Lenders Are considering

When you make an application for business financing there’s actually three kinds of credit which are reviewed for the approval.

Regardless of what you’re informed… personal credit score ALWAYS issues… unless it’s not being looked over. For instance, when trying to get business credit you should use your EIN to obtain approved as well as leave your own SSN from the application.

When you need to do this your individual credit is not even looked over nor could it be used for that lending choice but this really is about the only real exception in the commercial funding room.

All additional funding kinds including advances take a look at and worry about your individual credit. INDEED, you could possibly get approved for income financing as well as merchant improvements with poor credit your repayment terms defintely won’t be nearly because favorable then should you had great personal credit score.

SBA financial loans, conventional financial loans, most other long-term loans, and lines of credit do need good individual credit with regard to approval generally. Collateral as well as asset kind based funding doesn’t worry about personal credit just as much. This is actually if funding only discusses collateral with regard to approval, not funding where collateral is needed for authorization.

There isn’t any FCRA in the commercial world, so lenders won’t ever disclose for you that these people pull your company credit whenever you apply with regard to business funding. But these people DO pull your company credit!!!

Imagine, you are trying to get money for the business, as well as your business has its credit user profile and rating. So obviously they may wish to see the way the business will pay its bills along with how you need to do as the dog owner. There is Lots of money available for business people, more right now than there’s ever been previously. You simply need to know which kind of financing to visit after, knowing that you are able to more very easily find the thing you need.

Not getting establishes company credit enables you to look just like a rookie, the startup, the “non-established” company. This will result in denial therefore insure you’ve at minimum 5-10 documented accounts and that you’re paying all of them as decided.

You have three kinds of credit: Individual Credit, Company Credit as well as Bank Credit score. All three ought to be good to provide you with the best possibility of approval.

Your financial institution rating is mainly based on how much money you retain in your money over the final 90 times. High 5, balance of $70, 000-99, 999, Middle 5, balance of $40, 000-69, 999, Reduced 5, stability of $10, 000-39, 000, Higher 4, 7, 000-9, 999, Middle 4, four, 000-6, 999 as well as Low four, 1, 000-3, 999.

Trying to find Business Credit score? Credit Suite may be the right spot to available industrial credit whether or not you are experiencing bad credit rating or every other credit associated downside, Credit Suite can there be to supply solutions immediately.

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