Saving, investing and making money with technology

Month: January 2016

Georgia Middle Market Firms Undergoing Transformational Change – Latest Data from American Express and Dun & Bradstreet

Of the 3,557 total middle market firms in Georgia, 462 (13%) have been in business less than 10 years – slightly above the national average. The fastest growing middle market segment within these younger firms is business services, and the breakdown of each state’s share of youngest middle market firms is indicative of their pace with larger national economic trends.

The latest Middle Market Power Index: Exploring Generational Changes In Middle Market Industries explores the noteworthy changes that the U.S. Middle Market (firms with revenues between $10 million and $1 billion) is going through, and what the changing interests among future entrepreneurs may mean for the economy at large. Additionally, it uncovers how the youngest middle market firms are being found in some states rather than others, and the effect that tenure has on middle market firm size and revenue.

Below is a table comparing Georgia’s number of middle market firms to national data, as well as how Georgia’s share of youngest and oldest middle market firms compares to the national average. Also included is a map of where the youngest and oldest middle market firms exist throughout the country.

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Easy to Install Mini IP Bullet Cameras

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What is Alternative Risk Financing?

 

Before the 1980s, businesses had the choice of two different traditional methods for risk financing. They could purchase an insurance policy and allow the insurance company to absorb the cost or they could choose self-insurance, which required them to take company funds and allocate them so that they could meet any expected (or unexpected) losses. In the 1980s, however, this system changed. Many companies found that they could not find commercial insurance coverage. Rather than put their business at a higher risk by choosing self-insurance, companies began to consider alternative risk management.

Types of Alternative Risk Financing

If you choose not to use one of the more traditional methods of risk financing, the good news is that there are a number of other options available. This section will give a brief definition of most of these options.

Captives

A captive is a type of insurance company that protects a parent company and its entities from costs related to property and casualty. They are often the choice of companies who are whole enterprises, for which more traditional commercial insurance is either too expensive or unavailable. There are a number of different structures available for this type of arrangement.

Risk Retention Group

Risk retention groups are made up of organizations and people that engage in the same type of business, which allows them to have the same liabilities. These groups and people come together to create an entity- if you have a membership, then you are also an owner. This allows companies to access the markets for reinsurance so that they have stable coverage at a reasonable rate.

Risk Purchasing Groups

Unlike the previous option, a risk purchasing group allows unassociated business to come together. If any of these members have similar risk profiles for their company, they can take advantage of purchasing insurance together. This allows them more affordable rates and access to insurance plans that they may not have had otherwise.

Large Deductible Plans

A large deductible plan involves an insurance company, like Oros Risk, and several companies that purchase the plan. The individual companies pay a premium that is tax deductible. The insurance company then retains the money and assumes liability for insurance claims.

Loss Portfolio Transfer

In this type of transfer, liabilities are transferred to a reinsurer. This allows liabilities to be removed from the balance sheet and transfers both investment risk and timing risk. It also transfers reserves to cover those claims, in excess of what is currently owed. As losses are incurred, the reinsurer must cover those. The benefit is that the reinsurer retains the excess payment though they may also lose money if the repayment takes longer than expected.

Integrated Risk Programs

Integrated risk programs typically offer insurance for a period between one and three years. The major advantage of these is that they are customizable, meaning that you do not pay for insurance options that you do not need. They are also very stable because you are locked into the same rate, limits, terms, and conditions, regardless of claims that may arise.

Catastrophe Bonds

Another popular option for some companies (especially those located in a potentially dangerous area) is catastrophe bonds. These are bought (and also sold) in capital markets. These package the risk associated with catastrophe as a security. This security can be transferred between owners.

This is by no means an all-inclusive list of alternative risk retention options. There are a number of other alternatives that can absorb risk, as well as several products that can help reduce risk and the associated costs. You should choose the risk management plan for your business wisely- carefully evaluate the advantages, disadvantages, and costs of each before making your decision.

About the author:

Lautaro Martinez, a freelance writer, enjoys sharing tips and insights business safety. If you would like to learn more about Lautaro, you can check out his google+ profile

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Wealth Expert Pens Entertaining and Ironic Investment Memoir/Manifesto

St. Louis investment expert, Matt Hall, is President and Co-Founder of Hill Investment Group, and unlike the often dry and academic investment advice provided by brokers, Hall’s storytelling is entertaining and inspirational. In fact, he details his inspiring story and his evidence-based investing methods in his new memoir-manifesto, Odds On: The Making of an Evidence-Based Investor (Greenleaf Book Group, April 12, 2016). Hall can teach readers how to think more independently, apart from the crowd, and invest more wisely, while also discussing:

  • How the evidence-based investment movement continues to stack the odds in investors’ favor
  • How patience and independent thinking allows you to avoid pitfalls to which others will fall prey
  • Investment simplicity + transparency = Happiness, which is the by-product of the evidence-based approach
  • Long term higher investment returns only come from patient exposure to global capitalism
  • You can live a more productive life by adopting evidence-based investing 
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Millennials are on the Move

George Washington University confirmed that millennials have an alarmingly low level of financial literacy, which could have “disastrous” effects on the economy.

“Of the millennials that we surveyed, only 8% answered five out of five questions correctly and 24% answered three correctly,” lamented Steve Barr, partner at PwC.

The study analyzed the financial characteristics of more than 5,500 people born between the early 1980s and the mid-1990s.

Among the other findings, some 30% of millennials have overdrawn their checking accounts, and 42% used “alternative financial services” such as pawnshops, auto title loans, and payday loans. Four out of five millennials have major debts such as student loans.

Get the Latest Market Data and News with the Yahoo Finance App

“We saw all those risky behaviors both with the highly educated and folks that haven’t been fortunate enough to get higher education,” said Barr. He warns that the impact could hurt the rest of the country’s financial health.

“Millennials represent 80 million shoppers,” said Barr. “It’s very important to the economy that the millennials really get their act together from a financial literacy standpoint.”

Millennials’ heavy debt burdens are causing them to compromise their future security. Some 17% of those with a retirement account took loans against it in the past year, while 14% took out a “hardship” withdrawal.

“It’s just time to begin to take on the responsibility,” concluded Barr.

More from Yahoo Finance

Coca-Cola CEO: This is one of the biggest issues facing the world today

Forget China, 2016 will see higher earnings: Strategist

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Young man starts successful clothing line despite Mother’s incarceration

FullSizeRender_-2-New York, NY– Kywuan Terrell Warren was just 11 years old when his mother, Jamila T. Davis, was sentenced to 12 1/2 years in prison for bank fraud. In her absence, Kywuan and his sister, Diamond Baker, struggled to sustain the lifestyle that their single mother once provided.  Kywuan says, “When the judge sentenced my mother to over a decade behind bars, I thought my life was over. I don’t think he realized by punishing her so harshly, he was actually punishing me!”


Kywuan was accepted to a major university but was unable to afford the tuition. He discussed his dilemma while visiting his mother in federal prison. Together they decided to create outerwear apparel for men as a business. Kywuan brought the design ideas to his mother, then she would go back to her cell, and hand-crocheted each sample. The mother and son creative duo went back and forth until the entire line was complete. The line, The Kywuan Terrell Outerwear Collection, includes trendy, hooded scarves and arm warmers. “It took some time, but we were dedicated.  I was able to find some of the greatest hands-craftsmen in the world to manufacture our garments. Each piece is crocheted by hand using 100% high-quality, alpaca thread.  Kywuan says, “Each garment in the collection is custom made with love and care, just like the originals that my mother made for me!”


There are over 2 million children across the US whose parents are behind bars. Kywuan is one of the lucky ones. He is currently an honor roll student at a local community college. Armed with a supportive team and determination, the Kywuan Terrell Outerwear Collection is created and highly sought-out by fashion icons, celebrities, and NBA Ballers. Ne-Yo, Jason Terry, James Hardin, and Carmelo Anthony are among those to wear garments from The Kywuan Terrell Outerwear Collection.  For more information please contact Dayna Williams-Hunter at 818-794-9832 or dayna@totalexposepr.com
The Kywuan Terrell Outerwear Collection is available online at www.kywuanterrell.com.

 

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How To Build Your Blog

 Since I don’t see your name on the list yet of attendees for tomorrow’s webinar training, I want you to know, Tracy, that you’re not too late to the party
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Hi Tracy,

Since I don’t see your name on the list yet of attendees for tomorrow’s webinar training, I want you to know, Tracy, that you’re not too late to the party. 

In fact, you’re right on time.

Let me bring you up to speed.

So far, in our pre-BYBC training webinars, we’ve already talked about:

1. How to build your email list WAY faster than you thought possible.

2. How to generate more of the most valuable type of TRAFFIC.

3. How to generate THE BEST content that will hook readers into becoming subscribers.

And we’ve mentioned making money with those lists, but haven’t gotten there quite yet.

Well tomorrow, we’re getting there.

Tomorrow, we’re going down into the nuts and bolts of exactly how you set up your opt-in, your email automations, and everything you need A-Z to make money from your emails every time you send.

This is the work that clients pay me thousands of dollars to do for their business. And it’s the piece of your business that is going to bring about real change for you in 2016.

Are you ready to put a little less time into your site every week, but start earning more for the work you’ve put in?

I’m ready for you, if you’re ready for me! Let’s do this together!

Join us for tomorrow’s webinar by clicking the button below and reserving your place in tomorrow’s virtual party!

Reserve My Spot

If you have any questions before you register, you can email our team here at Info@TheBloggerNetwork.com and they’ll make sure you’re all squared away!

Don’t let this training slip away at an unbelievable price!

See you tomorrow!

Bonnie & the Build your Blog Conference team!

PS if you need to find that first free webinar recording again, it’s right here. 

PPS If you haven’t watched that recording yet, then you probably don’t know what you’re missing!!

PPPS Tomorrow’s webinar starts at 12 pm MST. See you there!

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 [60 Credits] TopTierTraffic – Niche Week is NOW a Thing

Sunday, January 24th, 2016

Orlando, Florida
Sunny and 56 F

Hi,

Can you believe it?

I finished broadcasting Episode 23 of my Daily Quick Starter Live Show on Periscope last night!

Time flies by so quickly and now there are 23 episodes in the vault.

Up until now, I have been focusing that 5 to 15 minutes each night on whatever topic I thought would be most useful to all of you. Many of them are mindset related, because your mindset and attitude is the foundation that everything else is based on. It has gotten great feedback on Periscope, YouTube and Facebook.

However, you know me … I am always experimenting … so this week I will change it up!

I am going to focus on one important topic for the entire week, starting tonight!

This week’s topic is “Choosing the Niche for your Online Business” … It’s Niche Week!

That will also be the topic of my Webinar this week too!

By the end of the week, you will know everything you need to know about picking a great niche to concentrate your online business on. Most of you have been pigeon-holed into the “making money online” niche just because that is what you came online looking to do. That does not mean that it has to be your niche!

So join me tonight for Episode 1 of Niche Week on the Daily Quick Starter Show! Install the Periscope app on your smart phone in the Apple app store or Google Play. I love to have live viewers while I am broadcasting asking questions and giving feedback. My username on Periscope is websbest

Also make sure you follow me on Twitter and Facebook because I post there at the start of every live broadcast.

[10 Credits] Click to See My Twitter Feed

[10 Credits] Click to See My New Facebook Page

Take action today to SUPERCHARGE YOUR SUCCESS!

Here are Sunday’s guaranteed bonuses for surfing at TopTierTraffic:
– Surf 25 Pages for 1,000 Text Ad Credits
– Surf 50 Pages for 25 Bonus Traffic Credits
– Surf 100 Pages for 1,000 Position Points
– Surf 200 Pages for 5,000 Position Points
– Surf 300 Pages for 10,000 Position Points
– Surf 500 Pages for 200 Bonus Traffic Credits

[10 Credits] Click to Surf at TopTierTraffic

You also have credits in your email inbox.

[10 Credits] Click to Check Your Credit Emails

Thanks for all of your support.

Matthew

P.S. – Need More Credits? How about 10,000 Traffic Credits for only $10. That will get you 5,000 website visitors or let you email up to 100,000 members with your message.

[20 Credits] Click to Get 10,000 Traffic Credits for $10!

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Newbie Friendly – 1 click website creation (more than 70 templates, drag and drop and:

Hey there,

This has been flying off the shelves sooooo much….

Price has been *temporarily* frozen!

To wit:

Want you 60% off an all-in-one site builder…..

One that makes creating *any* sort of marketing site/page easy as coffee?

Well then!

RocketBuilder Prelaunch Sale!
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Imagine you have all of these benefits:

75+ Professionally Designed Templates Ready to Install w/ Just 1 Click!

Full Page Video Backgrounds – Make ANY YouTube, Vimeo or Self Hosted Video Your Website Background!

1 Click Rebranding & Color Changing!

eCommerce Templates & WooCommerce Ready!

Add 3D Animated Text, Graphics, Icons and More to Your Websites!

Drag & Drop Page Builder – If You Can Dream It, You Can Build It w/ ZERO Web Design Skills!

…and much MUCH more!

But that’s only the beginning…. 

This goodie is perfect for:

==> Product Creators

Sell more of your software and training courses with unique designs that make your marketing pages stand out from everyone else. Then build sexy membership pages and deliver your products in style.

==> Web  Designers

Congrats – you are in business. With 75 layouts and a drag and drop page builder at your finger tips, you have the power to quickly create jaw dropping websites for literally ANY client – in any industry.

==> eCommerce  Shop Owners

Rocket Builder comes pre loaded with  eCommerce shop layouts ready to deploy
with 1 click. It also integrates seamlessly w/  wooCommerce – the world’s favorite eCommerce solution.

==> Facebook  Marketers

Stop sending your ad traffic to the same ole boring landing pages. Breathe life into your Facebook ad campaigns and create landing pages that command attention & CONVERT.

==> Affiliate Marketers

Create eye popping review sites and bonus pages in ANY niche and convert more of your traffic into instant Paypal commissions.

==> Video Marketers

Rocket Builder comes jam packed with several video friendly features like the ability to easily add full screen video backgrounds to ANY page and more!

==> Coaches, Consultants & Service Providers

Easily sell your services and display your best work with many Portfolio friendly layouts and other options at your disposal with the click of a few buttons.

==> Authors & Experts

Build an audience and sell more books with Rocket Builder’s several “book author” friendly layouts ready to be deployed on your site with the click of a button.

==> Offline & Local Businesses

If you’re an offline business, Rocket Builder will save you THOUSANDS immediately! You don’t need to hire a web designer. Create your own website in mins and make them think you hired a pro – no design or programming knowledge required!

==> Niche Marketers

You’ll be conquering niches at record setting speeds as you blast out high authority sites on any topic in literally mins. Just add your content and you’re good to go.

==> Bloggers & Content Site Owners

If you need to create a blog, you’ll be happy to know that Rocket Builder was built for you. Create the perfect layout for any site, no matter if it’s a news site, magazine, blog, or even a podcast site.

==> Software & App Makers

Rocket Builder comes with several pre-loaded layouts PERFECT for marketing your software or app. Just pick the design you want, click install, then add your branding & content. DONE.

MORE!

And because this is a solo offer, buy thru my link and immediately receive

Big Book of Social Media Marketing Tips

to help you take advantage of everything social!

Sounds good?   Indeed – if you’re not a techie, having a done-for-you site builder makes life ‘waaaay easier. 

Grow strong,

Barbara “Master it!” Ling

ps –  Bonuses too!
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