Know More About Small Business Saturday

Small Business Saturday is all about celebrating local merchants agen poker resmi. Started by American Express during the 2010 holiday season, this sale day encourages consumers to “shop small,” giving independent retailers a fighting chance in between the huge Black Friday and Cyber Monday sales of larger competitors.

Small Business Saturday is typically geared toward brick-and-mortar retailers, and it continues to grow in consumer recognition, with 108 million shoppers spending $12.9 billion at small businesses across the country in 2017, according to a survey by American Express and the National Federation of Independent Business.

Small Business Saturday is the day after Black Friday, so it will be Nov. 28 this year. Since small businesses have been hit the hardest during the coronavirus pandemic, there’s likely to be an influx of shoppers supporting Small Business Saturday this year.

To gain traction, share personalized marketing content across all channels, especially social media, so you can connect with loyal customers and remind them why they do business with you. Merchants are encouraged to visit AmEx’s website for personalized Small Business Saturday marketing materials, which include signage and social media content.

Key takeaway: Small Business Saturday is a great time for consumers to show support for their favorite small businesses. Get personalized Small Business Saturday marketing materials from American Express to promote your participation in this year’s event.

How to Find Right Mentor

The first step to find a mentor is defining what you want out of your career Situs Nonton Movie Sub Indo. This may not mean planning out your whole career – it’s important to leave room to go where things take you – but defining what you want in the short term can give you a clear path forward. Consider your career path and narrow it down so you can determine who has your dream job and who you admire, said Bill Driscoll, senior district president of technology staffing services in the Northeast and Midwest at Robert Half.

“Successful mentoring relationships happen when the mentor and mentee are the right match,” Driscoll said. “Reach out to someone you think you are comfortable with, who can be a neutral sounding board, and [who] will also provide great advice.”

You can also look in your own professional circle. These individuals can be former bosses, former professors or teachers, co-workers in another department, or family friends. As you look, try to prioritize someone who can give you long-term advice about your industry and has a good idea of your own company and what it takes to advance within your role.

How to Separate Your Business and Personal Finances

Certain things just don’t mix well — like a good scotch situs slot online and soda, like Rajnikant and Laws of Physics, like Rahul Gandhi and politics and like your personal finances and your business’s. Keeping these things separate not only helps you reduce problems, it also greatly simplifies things and makes it easier to manage your finances.

When you first started your business, like many entrepreneurs, you may have used your personal assets for startup capital, or may have secured a business loan based on personal assets. As your business grows, creating a clear boundary between your personal and business finances is crucial to staying on the right side of the law.

Even if you’re just starting out, it’s essential to split up these two parts of your money life. Treat your business, no matter big or small, like a viable entity.

Don’t know where to start with separating out your personal and business finances? Let’s start with expenses.

An expense can be defined as money spent or cost incurred in an organization’s efforts to generate revenue which is also known as the cost of doing business. However, there are expenses that are carried for satisfying our wants and needs that are of personal nature and does not result in any incremental revenue.

Therefore, separation of both these expenses is a very necessary exercise. Some of the reasons why this exercise should be carried out:

1) The cost of doing business

As a business person you would always want to ascertain your cost of doing business and to analyze various expenditures carried out during the year. There might be some expenses which you might want to control or avoid altogether, but the same cannot be ascertained if personal expenses are also clubbed with them. There might be even cases where a major portion of a particular expenditure is of personal nature but is clubbed and claimed as an expense in the books of business, hence increasing the cost of doing business unnecessarily. For example, if you travel to your office by your car and also use the same car for personal purposes then the vehicle maintenance and fuel expenses should be allocated between personal and business uses appropriately.

2) Statutory Compliances

Among numerous laws, Companies Act and Income Tax Act particularly require ‘persons’ to separately account for personal as well as business expenses. Income Tax act requires adding back any personal expenses if deducted while ascertaining book profits to arrive at taxable profits as the same. Hence, separation is necessary as well as mandatory to avoid non-compliance with laws in force.

3) Treatment Of Assets

Most of the times, personal assets are added to the block of business assets and depreciation is claimed which ultimately leads to a reduction of tax liability. This is a classic case of tax evasion and many a times laymen don’t even know that they are a part of such activity due to unawareness and improper guidance by their income tax professional. Hence, to avoid unwanted and unexpected repercussions one should maintain separate books of accounts for personal as well as business expenses. For example, you have bought a video game console as a gift to your son and maintained the same as a business asset as you do not maintain any separate personal account. Depreciation on such machine will lead to understating of income which ultimately results in lower taxes. Same goes with all the sorts of personal assets which you are carrying in your business balance sheet.

No homegrown coronavirus vaccine, but CSL inoculated against failure

Australia won’t save the world, this time, after trials of our promising COVID vaccine were judi online abandoned.

It’s a rare setback for biotech behemoth CSL.

CSL is one of our largest companies — a global biotech giant worth more than some of our biggest banks — but one that many Australians would have never heard of.

The failure to produce a successful vaccine is unlikely to even knock its share price on the stock exchange in the medium to long term, because it has a contract to manufacture up to 30 million doses of a rival company’s treatment.

“They’ve made the prudent decision, the right decision to not continue,” said Maria Halasz, the chief executive and managing director of drug development company Cellmid Limited.

“It’s only a small part of what they do, they have a quasi-monopoly on blood products worldwide.”

It’s that blood that’s powered its dominance and surging share price.

In August it announced a $2.1 billion full-year profit, up 10 per cent, with its chief executive lauding solid growth in its “immunoglobin portfolio” of products. Immunoglobins, or antibodies, are produced by white blood cells.

CSL’s chief executive and managing director Paul Perreault, noted an “exceptional result against a backdrop of complex and unexpected challenges brought about by the COVID-19 pandemic”, praising its “largest franchise, the immunoglobulin portfolio” for performing extremely well.

In the past five years CSL’s share price has more than doubled. As the calendar flipped into the year 2000 a share cost just below $7. In February the same share was worth $340.

Steps to Improve Your Organization’s Performance

Grow your company from within.
When searching for ways to improve agen slot online organization, in many situations, the best place to start is from within.
When executed properly, improvements within your company can be beneficial for driving performance and encouraging employee progress.
Be engaging, learn the metrics, utilize training methods and place a focus on the business; all of these are simple ways to improve your organization.
Organizational improvements are an ongoing process, and each organization has its own specific needs; however, there are common improvements that are necessary for many organizations on an ongoing basis, including:

Strategy and mission: Changes in strategy and mission are often difficult to map out, but, as a business owner, you need to continually monitor how well – or if – your organization is meeting your mission, and you need to be prepared to change strategies if needed.

Organizational structure: This concerns the roles, objectives, and responsibilities of individuals, departments, and teams. Structures change, some are relatively minor, while some such as mergers are considered extreme and intense.

People: Organizational improvements in regards to personnel consist of turnover, hiring, training and other changes that will be beneficial for the organization.

Knowledge: Changes/improvements to the knowledge of an organization is critical for process, progress and initiative.

The Biggest Challenges to Starting a Business

There are many great reasons to start a Situs slot business. Working for yourself, earning more money, having a more flexible work schedule and expanding your skill set are all among them.

Despite all of the positives, building your own business has its difficulties. Sometimes these challenges seem bigger than they really are, and sometimes they keep us from fully pursuing an idea. As most small business owners will tell you, though, the risks and challenges are usually worth the rewards. It’s worth finding solutions to these challenges and ways to handle the risks so you can realize your dream.

Consider these five big challenges to starting a business, and if you haven’t already, start thinking about your personal contingency plan for overcoming them.

  1. Running the show alone
    Wearing all the hats of a business can be daunting. Just because you’re an entrepreneur and starting a business doesn’t necessarily mean you excel in all areas. You assume many roles as owner of a new business, including sales and marketing, accounting, IT, and innovation.

How to overcome this
Be honest with yourself about your strengths and weaknesses, and understand that your time is precious when you run a business. While you can certainly explore the idea of training to grow your abilities, you may be better off looking to others to help in the areas where you struggle – such as a virtual assistant or Best Buy’s Geek Squad.

You can also hire a part-time independent contractor or even a local college student whose area of study melds with your business needs. For example, if your marketing skills aren’t the sharpest or you just need to offload some marketing tasks in the interest of saving time, bringing on a marketing student to work for your business on a part-time basis may be a solution to your problems (at least in the early stages of your business). [Read related article: Outsourcing for Small Businesses: Should You Hire a Contractor?]

Another resource worth exploring is the U.S. Small Business Administration’s Office of Small Business Development Centers. This program provides one-stop assistance to current and prospective small business owners, with experts in local offices throughout the U.S. sharing information on handling many aspects of business.

  1. Finding funding
    One of the biggest challenges you face upon starting a business is figuring out how to fund the endeavor. Not every business requires a large investment from the get-go, but you do want to be sure you’re in a position to keep the business running for the long term.

How to overcome this
When you’re starting a business from scratch, you can seek funding in the form of small business loans or lines of credit, fund it yourself through personal savings, or try to raise capital. Speak with a mentor at SCORE to get their thoughts on the best course of action for your business based on your goals.

The SBA has small business loan programs and guarantees loans for entrepreneurs who want to start a business or expand one they already operate. Another option is a microloan – which is typically for less than $50,000. Since it’s for a smaller amount than a typical bank loan, a microloan is easier to qualify for and provides borrowing opportunities that may not otherwise be available to you. It can be used for a startup project, to get a business off the ground, as working capital, or to fund equipment purchases, office leases, or new hires. [Looking for a business loan from an alternative lender? Check out our recommendations on the lenders we think are best for various needs and types of businesses.]

Launches All-In-One Payment Processing Solution for Restaurants

If you operate a restaurant, you are likely to have ran into issues and frustration involving payment transactions. Payment processors that handle customer payments can be riddled with complex pricing models, poor support, and hidden fees. Agen ceme online Inc. believes it has a solution for the restaurant industry. The company has introduced a new all-in-one payment processing solution for restaurants.

ParTech Payment Services for Restaurants
The PAR Payment Services aims to turn the complexity and confusion of payment processing in restaurants on the head. Instead of paying multiple fees with ‘hidden extras’, restaurants pay one simple fee to PAR. Rather than leaving restaurants guessing, it is clearly stated within the fee what is included and not included.

Addressing Customer Issues Quickly and Efficiently
Another leading irritation of payment processing within the restaurant sector is poor customer support. PAR Payment Services features PAR’s experienced and quality technical support team. The experts address all customer issues in a single call. This contrasts to what many restaurants are used to – being “passed from pillar to post.” With PAR, the frustration of multiple operators dealing with an issue is substituted with a single expert ensuring the problem is resolved.

DCI and PA-DSS Compliant
PAR Payment Services is compliant with DCI and PA-DSS, the Payment Application Data Security Standard. Such compliance ensures restaurants use reliable payment processing that protects consumer data through fraud and chargeback monitoring.

PAR Payment Services include a Hardware Payment Plan. The plan eliminates upfront costs as restaurants pay for PAR hardware and services monthly. This could prove valuable during these testing times when many restaurants may be struggling with cashflow.

4 Best Exercises for Stress Relief

Do stressful days have you reaching for a pint of ice cream? If so, you’re giving your body a double whammy of bad. Start exercising instead; it’s a powerful stress reliever. Here are workouts to tame that tension. Plus, do you know the symptoms of stress? Take our quiz to find out…

Stress isn’t just a mental or emotional issue – it can physically hurt too.

Chronic tension can be the culprit behind both long-term conditions (depression, heart disease, type 2 diabetes, high blood pressure) and everyday health woes (headaches, back pain, insomnia, upset stomach, anxiety, anger).

Stress isn’t gender-neutral either.

Research shows that women experience it more acutely than men and we’re more susceptible to the physiological effects of chronic stress.

But crashing on your sofa isn’t the answer. Sweat it out instead.

“The human body isn’t designed to sit all day,” says Jeff Migdow, M.D., an integrative physician in Lenox, Mass.

Just getting up and moving around is a powerful way to reduce stress, he says. “It allows our muscles to move, encourages blood to flow and helps us feel more like ourselves.”

Exercise also gets us breathing deeper, which triggers the body’s relaxation response.

But some exercises are more helpful than others when it comes to stress reduction.

“Running on a treadmill while watching TV really doesn’t cut it,” Migdow says. “Instead, pursue activities that encourage the mind and the body to work together.”

Here are 9 stress-busting ways to exercise:

1. Yoga

Why it works to reduce stress: Yoga postures are a form of strength training, making you more resilient and flexible, which in turn relieves physical tension. It also uses deep breathing, which triggers the body’s relaxation response.

Studies have shown that yoga reduces blood pressure too.

But perhaps yoga’s biggest benefit is the mental focus it promotes. Focus is key to stress management.

Poses require concentration, “which keeps your mind focused on what you’re doing instead of analyzing, planning and worrying,” says Noel Shroeder, a Boston-based yoga teacher and creator of the Notice Your Experience DVD (

How to do it: Yoga classes that appeal to all ages, temperaments and fitness levels abound at gyms, studios and community colleges.

Some classes, such as hatha, are gentler and focus primarily on stress reduction, while others – ashtanga, vinyasa, power, Bikram – are more athletic.

You can also practice yoga on your own at home.

Two good DVDs for beginners are Shiva Rea: Flow Yoga for Beginners and Element: AM and PM Yoga for Beginners With Elena Brower.

For a complete overview, visit our Yoga Get Fit Guide.

2. Tai Chi

Why it works to reduce stress: Derived from an ancient Chinese martial art, tai chi (also known as tai chi chuan) links physical movement to the breath.

Often called “meditation in motion,” tai chi promotes a focus on the present – a mental absorption in which everyday worries fall away.

Tai chi also increases flexibility and boosts energy, which result in an improved sense of well-being.

Other benefits include better balance, more restful sleep and increased cardiovascular fitness.

How to do it:Tai chi is comprised of more than 100 gentle, fluid movements that are linked with each other and your breath; unlike yoga, there are no pauses between the poses. Like yoga, there are several styles of tai chi that range in intensity.

Many senior centers, wellness centers and community colleges offer classes. To get started at home, try the DVD Step by Step Tai Chi With Tiffany Chen.

3. Qigong

Why it works to reduce stress:Similar to tai chi, qigong is considered one of the cornerstones of Chinese medicine, along with acupuncture and herbs.

Practicing qigong regularly can promote feelings of serenity, improve sleep and digestion, and increase energy.

Like tai chi, qigong helps you be more present in your body, Migdow says.

“Its slow gentle movements and focus on moving in harmony with the breath are extremely relaxing to the nervous system,” he says.

How to do it:Qigong is offered at many senior centers, community centers and YMCAs.

At home, try The Essential Qigong Training Courseby Kenneth Cohen or the DVD Qi Gong Fire and Water With Matthew Cohen.

4. Walking

Why it works to reduce stress:It’s easy to do and requires no classes or special equipment.

Walking frequently can reduce the incidence of many of the stress-related conditions, including cardiovascular disease, high blood pressure and cholesterol, and type 2 diabetes.

People with regular walking regimens also report reduced stress levels and a self-confidence that comes from taking an active role in their well-being.

“Walking releases tension from the major muscle groups, deepens the breathing and quiets the nervous system,” Migdow says. “It also gets us out into nature, which is relaxing.”

How to do it:If you’re just getting started on walking for exercise, aim for two 10-minute walks a week.

After two or three weeks, gradually increase the frequency and duration of your walks.

Five or six 30-minute walks a week are usually recommended to maintain health and stress management.

To lose weight, you’ll have to make those walks longer when you have time (say, 90 minutes on Sundays) and/or more intense (take a hilly route or ramp up speed). Your breath should be heavy but not labored.

The Lifelong Benefits of Exercise

Feel younger, live longer. It’s no slogan — these are actual benefits of regular exercise. People with high levels of physical fitness are at lower risk of dying from a variety of causes, according to a recent study published in the Journal of the American Medical Association.

Physical Fitness: What the Benefits of Exercise Mean for You

There’s more good news. Research also shows that exercise enhances sleep, prevents weight gain, and reduces the risk of high blood pressure, stroke, type 2 diabetes, and even depression.

“One study found that when breast cancer survivors engaged in exercise, there were marked improvements in physical activity, strength, maintaining weight, and social well-being,” explains Rachel Permuth-Levine, PhD, deputy director for the Office of Strategic and Innovative Programs at the National Heart, Lung, and Blood Institute of the National Institutes of Health.

“Another study looked at patients with stable heart failure and determined that exercise relieves symptoms, improves quality of life, reduces hospitalization, and in some cases, reduces the risk of death,” adds Dr. Permuth-Levine. She points out that exercise isn’t just important for people who are already living with health conditions: “If we can see benefits of moderate exercise in people who are recovering from disease, we might see even greater benefits in those of us who are generally well.”

Physical Fitness: Exercise Basics

Physical activity doesn’t have to be strenuous to produce results. Even moderate exercise five to six times a week can lead to lasting health benefits.

When incorporating more physical activity into your life, remember three simple guidelines:

Exercise at moderate intensity for at least 2 hours and 30 minutes spread over the course of each week.

Avoid periods of inactivity; some exercise at any level of intensity is better than none.

At least twice a week, supplement aerobic exercise (cardio) with weight-bearing activities that strengthen all major muscle groups.

Physical Fitness: Making Exercise a Habit

The number one reason most people say they don’t exercise is lack of time. If you find it difficult to fit extended periods of exercise into your schedule, keep in mind that short bouts of physical activity in 10-minute segments will nonetheless help you achieve health benefits. Advises Permuth-Levine, “Even in the absence of weight loss, relatively brief periods of exercise every day reduce the risk of cardiovascular disease.”

Set realistic goals and take small steps to fit more movement into your daily life, such as taking the stairs instead of the elevator and walking to the grocery store instead of driving. “The key is to start gradually and be prepared,” says Permuth-Levine. “Have your shoes, pedometer, and music ready so you don’t have any excuses.”

To help you stick with your new exercise habit, vary your routine, like swimming one day and walking the next. Get out and start a baseball or soccer game with your kids. Even if the weather doesn’t cooperate, have a plan B — use an exercise bike in your home, scope out exercise equipment at a nearby community center, or consider joining a health club. The trick is to get to the point where you look at exercise like brushing your teeth and getting enough sleep — as essential to your well-being.

Remember that physical fitness is attainable. Even with small changes, you can reap big rewards that will pay off for years to come.

Know More About Exercise & Fitness

Exercising regularly, every day if possible, is the single most important thing you can do for your health. In the short term, exercise helps to control appetite, boost mood, and improve sleep. In the long term, it reduces the risk of heart disease, stroke, diabetes, dementia, depression, and many cancers. The Centers for Disease Control and Prevention recommend the following:

For adults of all ages

At least 150 minutes of moderate aerobic exercise like brisk walking or 75 minutes of rigorous exercise like running (or an equivalent mix of both) every week.  It’s fine to break up exercise into smaller sessions as long as each one lasts at least 10 minutes.

Strength-training that works all major muscle groups—legs, hips, back, abdomen, chest, shoulders, and arms—at least two days a week.  Strength training may involve lifting weights, using resistance bands, or exercises like push-ups and sit-ups, in which your body weight furnishes the resistance.

For pregnant women

The guidelines for aerobic exercise are considered safe for most pregnant women. The CDC makes no recommendation for strength training. It’s a good idea to review your exercise plan with your doctor.

For children

At least 60 minutes of physical activity a day, most of which should be devoted to aerobic exercise. Children should do vigorous exercise and strength training, such as push-ups or gymnastics, on at least three days every week.