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Mobile Chip & PIN payments are becoming more popular around the UK. This is mainly due to the fact that they are an inexpensive and modern way to increase profit.
For a while now, small-business owners have been unable to accept card payments due to problems with traditional card readers. This is due to the fact that they involve lengthy and expensive contracts, monthly fees and equipment that is bulky and hard to transport. Mobile Chip & PIN payments solve this problem by providing a non-contract service, with no monthly fees and a sleek modern design that fits with any business image.
There is no doubt that there are benefits to employing mobile rather than traditional Chip & PIN technologies, however, you may be asking yourself why it is necessary to even take cards?
One reason is that accepting cards gives your customers the option to pay by a variety of means. This might sound like a non-issue, however, one of the biggest reasons that merchants loose business is interrupting "customer flow". Specifically in the situation where a customer wishes to buy a product, but has no cash on them, if the customer cannot pay by card they simply have no option but to leave. In this case, the merchant has not only lost out on a sale, buhas also lost a customer whose opinion is valuable to your business.
This brings us to the second benefit of accepting card payments – customer satisfaction. Most businesses strive towards providing excellent customer service, after all, for small businesses referrals are often the best advertisements of all. Disappointing the customer by not offering a convenient way to pay may come back to haunt you by damaging your reputation.
However, the direct benefits do not stop at the customer. Taking card payments means that your business does not have to run the risk of having large amounts of cash stored, it also saves on daily trips to the bank to deposit the money. Perhaps the biggest advantage to a small business owner, though, is that is allows for more efficient accounting. By accepting more cards and less cash, it means that your transactions are easier to keep track of, which is vital for financial planning.
Mobile Chip & PIN payments are secure, with all reputable companies required to pass rigorous security checks and verifications. They are also convenient for both customer and merchant, and are a great tool to increase profit. So why not find out more?
Blog supplied by mobile card payment solution provider payleven.
One of the earliest challenges faced by all start-ups concerns finance. No matter how great an idea you've had and no matter how well thought-out your business plan is, you'll need to have enough funding to get your fledgling venture off of the ground.
Maybe you've pursued crowdfunding, borrowed money from friends and relatives, perhaps even turned to a high street bank for a business loan, or approached alternative finance providers for help. Whatever route you've chosen, before long you and your business will have to face the same daunting question – what to do when this money has run out?
Start-up funding is intended to give businesses a chance to get off the ground, of course. In the very earliest stages of a business's life it's almost guaranteed to be operating at a loss, and those expenses will need to be covered somehow.
You might need to invest in premises, staff, equipment and more besides, so start-up finance is a necessary step in order to see your business through those hard, frightening and exciting early months.
If all goes to plan, start-up funding should act as a stepping stone to help your business to become self-sufficient before the cash runs out completely. Very few start-ups operate at a profit for the first few years, but if you've played your cards right, you'll be breaking even before your start-up funds are all spent.
It's possible to pursue growth during the period when many fledgling firms find it difficult to compete, even when a challenging economy makes business opportunities difficult to come by.
Building momentum can be difficult at this stage, but if you've got the right people around you and have built a team of committed, hardworking individuals, it's eminently possible to get moving in the right direction once more. Sometimes, however, it's necessary to pursue another form of business finance if you are to move from stagnation to expansion once more.
The business world is built on finance, and until a business has reached the stage where it is sufficiently profitable to sustain itself and grow, it must rely on the assistance of small-business finance facilities instead.
Invoice finance providers offer facilities that can fund growth, based on your business's internal sales ledger. Alternative lending options such as invoice finance and discounting are more flexible and thus more suitable for growing companies than traditional bank loans, so if you're looking to move your business forwards without incurring additional debts, you're likely to benefit significantly.
You could also look at peer-to-peer lending (ie the lending of money to unrelated individuals without going through a traditional financial intermediary), crowdfunding (ie the collective cooperation, attention and funding by people who pool their money and resources together to support other businesses or organisations) or possibly an overdraft.
The period immediately following your business' first few months can be intimidating and confusing, and it may seem as though the last thing you want to do after your small business funding has all been spent is pursue yet more finance. Sometimes, however, it's necessary to take the bull by the horns and actively pursue growth in order to spare your business from years spent merely treading water and making ends meet.
Blog provided by David Richards of Gener8 Finance Ltd.
Financing a business has traditionally meant asking a few people for large sums of money. Crowdfunding – one of the most talked-about funding channels in recent years – turns this idea on its head by enabling businesses to use the Internet to ask a multitude of potential funders for defined, comparatively small amounts of money.
The question of how to fund and share profit more creatively was hotly debated at this year's Dell Women's Entrepreneur Network 2013 event. Speaking at a pre-conference workshop on accessing capital, Springboard Enterprises president Amy Millman stressed the importance of getting the right source of credit, suggesting that crowdsourcing can provide an innovative means of becoming a more social, community brand in opening a company up to a broader and younger pool of shareholders.
And with funding options drastically reduced in the wake of the global banking crisis, small businesses are jumping at the chance to get their finance from ordinary people: the crowd. But with little regulation, is this young credit market really a safe and viable option for businesses looking to meet their growth ambitions?
Crowdfunding essentially means asking a crowd of people for a fixed amount of money for a business venture or specific project in exchange for a reward. As a relatively new market, the credibility and stability of crowdfunding needs strengthening – something increased regulation will help bring about.
Currently, just a limited number of platforms are regulated by the Financial Conduct Authority, meaning many crowdfunding companies are handling transactions without adequate protection – even if the UK Crowdfunding Association has a practice code in place to protect those involved. Few sites can ensure an investor won't lose money in the event of the platform collapsing.
Ensuring potential investors have as much information as possible about a start-up is essential for informed decisions. That's why any business looking for funding via these channels must be totally clear about why they need the investment, how it will be used, and how much they need to reach their growth and profit targets.
Unlike traditional pitching, potential investors are unlikely to have met the start-up, so must be made to feel part of the success story. A company needs to tie-in their crowdsourcing outreach with a social and media engagement strategy. Of course, the nature of both social media and crowdfunding means that entrepreneurs must be ready to receive feedback – both the good and bad – in a very public domain.
Ultimately, any business looking to raise funding through crowdfunding must do their due diligence before diving into these still largely untested waters. Not all crowdfunding platforms will be appropriate for the business or project in hand, so research is essential.
And it's not for the faint-of-heart. It can be a lot of work to kick-start and maintain the momentum that will see a project through to its desired end. But crowdfunding can also provide a start-up with unique exposure and feedback from those who matter most – your target audience of 'ordinary' people.
Blog supplied by Sarah Shields, executive director and GM, consumer, small and medium enterprise, Dell UK.
A new report by "workforce management and SME support specialist" Optionis, based on a survey of more than 500 small-business owners, contractors and freelancers, suggests that only one-in-five small firms has received help and advice from their bank, with only one-in-ten regularly receiving "useful information about relevant products and services".
When it comes to supporting growth, the research also found that respondents viewed receiving high quality advice from their bank as more important than finance, which is commonly held up as the area where banks fail to support UK SMEs. Indeed, high quality advice came second only to online banking in respondents' list of banking priorities.
The research was carried out as part of Optionis' Get on and Grow report, which set out to shed light on how banks could help support growth among the nation's small firms. "Banks need to raise their game when it comes to supporting growth among emerging entrepreneurs and small and medium-sized businesses," said Optionis managing director Derek Kelly.
He continued: "Emerging entrepreneurs and small business owners seem to be having an increasingly remote relationship with their bank. This is perhaps unsurprising, given the popularity of online banking. However, banks need to work harder to find ways to offer advice and support to [small business] customers, particularly on issues such as cashflow that are crucial to businesses survival."
Respondents to the Optionis survey rated the current service they receive from their bank at a disappointing average of 4.6 out of 10. Bank charges were also criticised, with "fair charges" named as the third-highest priority for businesses, yet the current perception of fairness was a meagre 4.8 out of 10.
According to Optionis, the Get on and Grow report "tracks important indicators of growth relating to small enterprises in the UK. It tracks more than "7,000 freelancers, contractors and small businesses each month, looking at financial growth, entrepreneurial mobility, regional trends and gender variations". The full report can be read here.
In July, the Bank of England announced that lending to small businesses in the UK had increased by £238m between May and June – the biggest monthly rise since statistics were first produced in 2011. The increase meant that UK SMEs borrowed £170.4bn in the year to June, however, compared with the previous year, lending had fallen by 3.3%. According to the BBC, UK businesses were borrowing "3.7% less than a year ago, and 1.3% less than in June.
In response, a spokesman for the BBA ("the voice of banking & financial services") said: "In the current economic climate many businesses are building up their cash reserves and using this to fund activity rather than take on additional borrowing. Our own figures for small and medium-sized businesses show some £125.9bn is currently held in current and deposit accounts.
"Banks are currently offering some of the lowest interest rates in history and there should be no doubt that now is a good time for businesses to go and see their bank if they want to borrow. If you run a business with a good business plan and want funding, our message is apply to your bank."
With many UK start-ups finding it difficult to fund a new business, there is an alternative lending option that is currently gaining a lot of press coverage in the press for all the right reasons.
Peer-to-peer lending is a relatively new form of finance (it was established in 2005) and (as of summer 2012) peer-to-peer lenders have since collectively lent £300m.
Peer-to-peer lending is as it sounds, lending money to 'peers', without having to go through traditional financial intermediaries such as banks or other institutions. Peer-to-Peer lenders are everyday people who have money they wish to lend out in return for a competitive rate of interest (usually between 6-12% pa).
Currently, these are unsecured personal loans that aren't subject to regulation, but this will all change in April 2014, after which the Financial Conduct Authority (FCA) will regulate the peer-to-peer industry.
New small businesses are still finding it tough to get a traditional bank loan, as many UK banks are unwilling to underwrite an unproven, new business with no established credit.
This leaves many start-ups in a conundrum, but there are several alternative business funding options worth exploring. However, before making any financing decisions you need to carry out sufficient research so you can carefully weigh up the pros and cons of each option. Choosing a source could be one of the most important decisions you'll ever make as a new business owner.
New business owners pitch their ideas online via peer-to-peer lending company websites to individuals interested in lending to small businesses. The peer-to-peer lending platforms make the process of introducing lenders and borrowers very simple and the platforms are often exclusively web-based. They take much of the administration away that borrowers experience with their high street bank.
As a borrower, you register with a company and you are then put into a category based on your credit score. When grouped, the lender can decide where they want to invest their money based on the risk and return. As with any loan there is a risk, however, the rate of an unsuccessful loan is far lower with peer-to-peer loans than applying for a bank loan.
One peer-to-peer lending platform that has grown significantly since it started in February 2013 is Cornwall-based Folk2Folk. It has introduced £11m of secured loans largely to the business community, starting from £25,000 and up to £1m, at interest rates typically of 7-9%.
Loans introduced so far have gone towards projects such as house building, commercial leisure facilities and property acquisitions, together with various renewable energy projects.
If you plan to start a business but lack funds, peer-to-peer lending might just provide the start-up funding you require.
All businesses are different, whether it is size, sector, location, or speciality – there is always an element that sets one apart from the other.
But there is one thing that is common to every business in every country and sector around the world – finance. It determines the income coming in and the expenditure going out, inputs and outputs, the size of an organisation, and more importantly if it will be financially successful and sustainable.
Before making the decision to branch out and step into the unknown, it's important to understand the role the finance functions play in the world of business. It forms the basis of effective business management and will ultimately affect the bottom line.
Many businesses that succeed don't make a profit for the first couple of years. If you are hoping to get rich quick, you may need to think again.
Consider a short course on the fundamentals of finance. Training will be one of the best investments you'll make and you'll find yourself using your new skills and knowledge on a daily basis.
Tax legislation changes at a never-ending pace and it's important for new businesses to keep up. For example, the new reporting system for PAYE (RTI) introduced in April this year will affect the way employers submit tax information. These are the types of issues you'll need to be aware of.
Implement an accounting system and make sure it works. The law requires all businesses to have proper accounting records. By doing this you'll manage your business better and help stimulate business growth. Startups that don't do this put themselves at a serious disadvantage.
Train up and read as much as you can but at the end of the day – don't be afraid to ask for help from a professional accountant.
Tom Kelman has been director of finance and corporate resources at AAT (Association of Accounting Technicians) since July 2005. He has worked in finance for more than 28 years, covering both accountancy practice and industry and commerce.
There is no shortage of start-up business advice out there that is anti-travel. We're told to work online and use technology to bridge all kinds of gaps in our operation.
While this is sound advice for keeping costs down, there are still limits to what many businesses can achieve without travelling anywhere. If you cannot travel, you may be unable to deliver your product or meet your customers and suppliers, to build relationships and grow.
Transport is an inevitable expense for many businesses, but if you want or need to use a vehicle (or vehicles), you're going to have to spend a lot of money up front, and factor in the depreciation of the asset into your ongoing operation.
This inevitably involves compromise: you'll opt for the cheapest van you can run or scale back your aspirations elsewhere to afford a nicer car.
Getting a loan to pay for your vehicle is risky. You might stand to lose more than the car if you fail in your repayments. Unless your business has the cash in its account, you may be looking at dealer finance, and paying absurd total repayable amounts in the long term, with a large deposit and monthly payment in the short term. Thankfully, there is an alternative.
Vehicle leasing allows you to pay only for the years you use. Take out a two, three or four-year lease on a brand new vehicle and you'll pay a low deposit with low monthly payments to follow. You might even get road tax and breakdown recovery as part of the package. Lower monthly costs will obviously appeal to start-ups, allowing them to afford to run new vehicles that take up less space on the balance sheet – vehicles that cost less in terms of liability and risk.
Leasing does mean that you won't own the car or van that you drive, of course, but many businesses may find that this is a positive. Leasing companies are left to worry about the vehicle's depreciation, so it never becomes a factor in the valuation of your business. You can even opt for plans that give you the option of purchasing the vehicle at the end of your lease period. Otherwise, as a more mature business you will be free to continue saving with leasing, or to purchase a new vehicle outright, if that fits your financial plan.
Stephanie Wood of Nationwide Vehicle Contracts
As more bridging loan lenders enter the market, the cost of borrowing short-term capital has fallen dramatically. This has allowed firms to borrow to buy stock, ease cashflow, expand and a host of other things.
Put simply, a bridging loan is a way to give individuals access to credit easily and quickly, by using assets such as personal or commercial property to release equity.
Primarily used in the property market, bridging finance can prevent buyer chains collapsing when other financial arrangements were in place. In the literal sense, it allows you to bridge the gap between shortages in capital. The majority of bridging financiers function solely online, allowing clients based anywhere to find them easily, making the market open and competitive.
The speed at which cash can arrive in your account is the greatest advantage of bridging loans, often being a very personal service that takes a matter of days. They will also be sure that bridging finance is the best option for you, because lenders want to be sure they will get their money back!
You can expect to pay an arranging fee, which covers all of the checks the financer has to make, such as application, legal and valuation costs. Lenders will offer varying rates of interest dependant on your circumstances (usually between 1 and 2% per month). However, if you have a lot of value in your assets and are not classed as high risk, you could see interest rates as low as 0.5% a month.
A good bridging lender will find out exactly what you are spending the capital on. They will then assess the resource that you are borrowing against and send an independent surveyor to value the asset. This will make up the loan to value (LTV) ratio that you receive, which can be anywhere between 40 and 80%.
Bridging finance is for short periods of time and can become an expensive option if you do not replace the bridge with a long-term financial option. This could be selling other assets, streamlining your business or refinancing with another loan.
If your business needs to raise money quickly to buy stock to meet a surge in demand, a bridging loan may be a perfect way to quickly get the money you need. However, if you are experiencing cashflow problems due to a high wage bill, unless you put a restructure in place, allowing funds to be available within months, a bank overdraft or other financing means may be more beneficial for you.
Overall bridging loans may not be for every business need, especially if you do not know how you can pay back the loan. However, in times of cashflow crisis, where you have assets with equity, they can offer you the breathing space to put longer-term financial options in place.
Written by Jonathan Dempster of bridging loan specialist Balmoral Bridging
The business plan is going well, your idea seems to have feet but you face a major problem. You need money to get your new business off the ground.
Securing funding is one of the most common start-up problems. There are various ways to raise finance, which is a good thing, but many people are unaware of all of the options available to them or are unsure about how they work. Do your research to find out how you can raise the funds you need in a way that best suits your business. Here are the pros and cons of some key start-up funding options.
Banks and building societies
Venture capital trusts
Crowd funding and peer-to-peer lending
Business Angels
By Erin Walls of Ward Williams Chartered Accountants
Setting up a business in the current financial climate can be a challenge, particularly for those with minimal funds. However, the recession has opened doors for many entrepreneurs looking to take advantage of gaps in the market to try and offer something different, while competitors flounder. Here are a few tips intended to help you set up your business if money is tight.
1 Keep borrowings to a minimum
It's much better for your business's long-term prospects if you don't have to borrow to get off the ground. Your new venture is meant to provide you with a new source of income, not become a millstone of debt around your neck. However, there may be instances where you need to take on the right kind of debt, with a realistic plan of paying it back through the success of your business.
2 Only buy essential equipment
Put aside any thoughts of a fancy office space or the latest hi-tech gadgets. You should only buy what you need to carry out your day-to-day business. Much can be achieved with basic internet and telephone connection, a reliable computer and essential software.
3 Work from home
Why waste money on rent if you don't need premises? Many start-ups can now be successfully operated from the comfort of the owner's home. If necessary, you could even operate from a virtual office, perhaps with a more attractive business address.
4 Online marketing
You might be able to market your business online without paying a single penny if you're clever. With powerful social media networks such as Twitter and Facebook you can reach out to potential customers and network with customers and possibly suppliers using online forums.
5 Keep it in the 'cloud'
The last thing you want as a new business is to lose sensitive business information that is crucial to the day-to-day running of your start-up. A loss of data may also affect levels of customer service and cause embarrassment that could tarnish your reputation before you've even started. Cloud computing is a relatively new concept that enables users to rent storage space on an external server to guard against data loss in the event of natural disasters or crime.
Having your own business is difficult but going through the investment route makes things a lot more difficult. Here are my eight tips for getting investment into a business.
1. Do your research
When looking for investment, you will need to do your research. If you haven't looked into potential investment organisations, such as LBA (London Business Angels), I suggest you do immediately. There are also a lot of ways to help secure investment, such as going through the Seed Enterprise Investment Scheme, which is what I did.
2. Have a great business plan
You won't find investment for your business if your business plan is flawed. It is worth spending time and money on getting your plan right before approaching investors. The last thing you want is to build negative awareness before even securing any investment.
3. Be transparent
When approaching Investors, you need to be transparent. There is no point going in there and avoiding difficult questions, they will see this as a weakness. If you don't have the answer, tell them that, but also say you will be able to give them one. When answering negatively, give them a positive to work off, too.
4. Be realistic
Going back to the business plan, predicting your business worth at £1bn after two years isn't going to appeal to investors. They will see this as overly optimistic and unrealistic. Give them numbers you can deliver.
5. Look at your team
One of the reasons why Gloople received investment is because we have a solid team. We have our whole team in-house and outside mentors who offer sound advice when needed. The investors need to see that your business has stability – which should include having a good accountant and lawyer.
6. Be prepared to negotiate
Going down the investment route, you need to be willing to change your outlook on your business. Take Dragons' Den for instance; entrepreneurs go in looking for £150,000 but want to give away only 5% of their business. If they are lucky enough to get an offer, it, without a doubt it will be at a higher percentage than the business owner initially wanted to give away. This is an extreme case, because it is a TV programme, but you will have some hard decisions to make when negotiating with investors
7. Listen
You will find that some investors have a lot to say. You will need to sit there and listen. It is a great quality to have and will be looked at as an advantage when an investor feels their views are being taken onboard.
8. Risk over reward
An investor will be putting their hard-earned cash into your business, which is a huge risk. Make sure this risk is worth the reward. They will need to be able to see that their investment is being used to benefit the business.
I hope my eight tips will help you find investment for your business. I would love to hear about any investment success you may have had.
With business leaders adopting clever business strategies, facing up to the recession has created unexpected opportunities for organisations. A focus on international trade, reshaping culture, outlook and getting innovative about financing has led to companies creating more efficient ways of working.
Research from HSBC Commercial Banking has found businesses with smart finance strategies are both more likely to be predicting growth over the next two years and projecting a growth in exporting- with access to finance, such as using trade and invoice finance being central.
Steve Box, HSBC Head of Trade and Receivables Finance Europe, participated in a webTV show where he answered questions about smarter ways of financing your business. Key topics covered include: How to form formal and informal alliances; maximising cashflow and how to free up working capital and investing assets for growth.
At a time when money is tight and resources are dwindling, it might be difficult for start-ups and small businesses to locate the funds they need to thrive and expand. It's a disheartening situation for those that want to get and keep their businesses on the right track. But even in such times, there are still many institutions, organisations and individuals willing to finance small businesses, from banks to businesses, government bodies and the EU. Impossible? Not quite!
1. There are grants and funding opportunities out there
There might be grants you could qualify for that you never even knew about. Although you might think that having a small shop in a rural area would not be significant enough to secure grant funding, you could be an excellent candidate for a regeneration grant – the opportunities are out there, you just have to find them! For example, have you considered that funding programmes like the 'Rural Shop Improvement Scheme' exist? You might not know about the many grants and funding opportunities you could apply for, but dedicated funding websites provide a free searchable database of small business funding opportunities.
2. Don't be afraid to apply
Although you might have heard that grants are difficult to secure, they are worth trying for. Nothing ventured, nothing gained. If you are passionate about your business and think you have a great reason to secure grant funding, you only need to translate your enthusiasm onto paper. Effort is required, but it might be more than worth it. Moreover, there are resources out there to help you write your grant funding applications, and review them. Free resources exist online to help you with your grant applications, like j4bGrants 10 Steps to Successful Grant Applications. There are also special services whereby funding professionals will take a critical look at your proposal and help you write the best possible application you could submit.
3. Stay positive
The fact that so many funding opportunities exist in the midst of a recession means you have as good a chance as any other business of getting the boost you need. Grant funding could provide you with amazing benefits, whether you are an established business or just starting out.
Searching for grants might be time-intensive, but luckily free resources exist to help busy business owners locate funding quicker and more effectively. j4bGrants.co.uk has been re-launched with a new-look website featuring thousands of opportunities for business funding. The site is completely free following registration, and allows you to search by business type, size or location, providing access to information that is constantly updated by a team of researchers who do the time-intensive searching for you. The opportunities are out there – you just have to find them!
Recession continues to provide the backdrop for the UK economy, directly impacting the financial health of small businesses. Research shows that small businesses are more in debt now than at any time since the late 1990s. Those with a turnover of up to £1 million now owe around £1.60 for every £1 of turnover, compared with £1.17 debt per £1 of turnover ten years ago. Furthermore, the most recent figures from the Bank of England show that in the three months to May 2012, the total lending stock shrank by £3bn.
The credit crunch and recession has made securing finance tougher for small businesses, but that doesn't mean that raising money is impossible. Banks, investors and business angels are always open to the suggestion of backing well-run businesses with a strong sense of direction and good management team.
How to prepare for funding success:
Funding options to consider:
The overall message to take away is this: whether you're looking to acquire additional capital or fund the launch of a new company, do not give up! Achieving investment requires a little creativity and a lot of perseverance and determination, so set realistic goals and be prepared to explore several options.
BCSG creates, distributes and supports value adding products and services to small businesses through financial institutions.
When starting a new business, the way that you spend your limited resources is critical to your chances of success. There are places where you can't afford to scrimp, and there are places where you simply must not waste. You need to keep the chance of failure down by spending what you have very wisely.
It sounds easy, which it isn't. However, following these tips will increase your chances of success. Good luck.
In summary:
Chris Barling is CEO of ecommerce software supplier Actinic
In her latest video blog, Marcela of Rico Mexican Kitchen asks questions about business finance.
Marcela in Fishbowl Two has never started her own business before. Nor has she seen anyone else start a business. And, being one of the first businesses to feature on inafishbowl.com, she has never had the opportunity to learn from the experiences of others.
In this video, Marcela asks how the finances of early stage businesses usually work during the first two years, and how she should be going about raising more finance.
You can find out more about Marcela on the new interactive business website www.inafishbowl.com
I would like to look at an aspect of starting a business that isn't often considered. Mostly discussions are about finance, marketing, recruiting a great team, VAT, legals and all of the other stuff of start ups. But most people need the support of family, friends, and partners. Start ups are hard, and you must be sure that everyone is with you, everyone is supporting you, and everyone understands what you are doing.
My decision to start a new business was made jointly with my wife. Although she's had limited involvement in the management, she was a full participant in the original decision. And as a result, she has supported me in every up and down since then, which has been a real help. Similarly, my sister and a friend both lent me money when we had an early cash flow crisis. They wouldn't have done this if they hadn't been taken on the journey beforehand.
And that's the rub. If people close to you aren't with you, they may be a source of discouragement. In the extreme, broken relationships can greatly increase the chance of business failure. I've actually seen this with a friend, where they ultimately ended up with nothing. On the other hand, constant encouragement and reassurance can be a real help – as can financial support.
If you start a business, it won't only affect you, it will impact those close to you as well. They deserve to be told what that will involve and to be consulted for their opinions. Do this, and you will increase your chances of success significantly.
Chris Barling is Chairman of ecommerce software supplier SellerDeck
Most mums with businesses are serious and committed, but don't always find it easy to turn this commitment into big bucks.
Many women need to change the way they think about money and how they feel asking for money. Research has shown that women are less comfortable to 'name their price' than men, and women in 'helping' professions are less comfortable than, say, women working in IT. Say how much you want for your service out loud: are you comfortable saying this or do you feel a bit apologetic? I know I do.
When I run courses the majority of women attendees are in business to HELP in some way. You can only be truly effective as a helper if your business is strong and making a profit will allow your business to grow and help more people.
If you are in the position of running a business that doesn't make enough profit you could:
Follow these tips, stay in control of your finances and you will see your business grow.
Entrepreneurship is all about making things happen and turning ideas into a profitable business. However, it's impossible to have all the skills and attributes in one single individual- no matter how motivated or how working one can be, to turn an idea into a long-term profitable proposition requires a team of people who complement each other.
I realised a while ago that I could do with bringing into the team someone who has the skill sets to help me really get the numbers behind the forecasts right, and to help me negotiate with banks, funders and other possible stake holders. Someone who can help me turn the forecasts into a reality; in other words, an experienced, trustworthy financial director.
It was time for me to call in the experts. I came across an organisation which offers the services of a "virtual" or part-time FD who will work with a company for a minimum of 1-2 days per month and helps with all the financial strategic stuff. I met with the regional director of that organisation and my FD-to-be if we will take things further. It was a pleasant, purposeful meeting, and I felt I could trust the guy. They call it the "barbecue test", in other words, would you invite the person to a barbecue. We will go to the next step and meet for a full day to discuss the business past, present, future and financial strategy.
I think this model will be the affordable way to bring an experienced helping hand to complement my winning team and turn my proposition into a reality.
You can find out more about Marcela on the new interactive business website www.inafishbowl.com
The election messages continue to dance around reality. I did arithmetic at primary school, but did the politicians?
Here's my maths. The government spends £400 for every £300 it receives, spending half our national income. If the country earned £800 per annum, the government spends £400, of which £100 is borrowed. Total government debt would be £500, rising by £100 per annum. This is less than six years away from going down the pan like Greece.
If we protect health, the government would have to cut a third of all spending to balance the books. That is an unimaginable level of cuts implying public sector pay falling by a third, which in turn would depress GDP severely making things even more difficult.
If GDP grows, it will be better. But we live in an uncertain world, with huge financial risks still lurking all around. Still all of the talk is about additional spending and what will be protected.
We have a financial crisis worse than anything seen in our lifetimes. Why are the politicians playing dumb and not getting totally real with the electorate. Maybe we still don't want to hear?
Chris Barling, SellerDeck
Perhaps controversially, I believe that too much emphasis and, indeed, money is spent on encouraging people to start their own business. In my opinion, resources should be restructured to offer more help to people once they have actually taken the plunge.
I believe people should be shown that business is a genuine career option, and I am a strong advocate of Young Enterprise. But I've seen too much money wasted on national campaigns encouraging Joe Bloggs to start a business while someone who has a great small business cannot get to the next stage because of unnecessary barriers.
A prime example of a product which should help but which doesn't is the Government's Small Firms Loan Guarantee (SFLG). The idea behind this is that the Government covers some of the risk of the loan in order to allow banks to lend more easily to small businesses.
This was re-launched last year as the Enterprise Finance Guarantee Scheme and the Labour Party's manifesto tells us it has helped 9,000 businesses. Writing as someone who has first-hand experience of the SFLG, I can tell you that if I was to start the process over again, I certainly wouldn't bother. In the end we gave over so many of our own guarantees that the entire point was lost; despite whatever their PR says, the banks are simply not ready and willing to lend on this scheme.
In a nation of more than 60 million, 9,000 people on this scheme is not a claim to fame but an admission of failure. The figure should be tenfold. The Government needs to seriously and quickly address this issue and they should not be putting forward a scheme which the banks may or may not promote. They should be telling the banks that if a business comes in and meets a set of criteria, then they must allow them finance under a scheme where the risk of the loan is partially covered by the Government itself.
Adam Ewart, Karacha
I was up until til 2:30am cooking to fulfil orders and make samples. I am feeling hyper and excited, with that butterflies-in-stomach feeling about what lies ahead and the opportunities that I have. I am equally overwhelmed about what to do next and I'm tired. Whatever I do, it means that I'm not doing something else that is equally important.
The bookkeeper came this morning and we are getting our new system in tip-top condition. It required my attention because we are changing to a new accounting system and I need to know how it works. So I couldn't make the follow-up sales calls I needed to do, or pay the bills, or organise tasting sessions, etc. I also teach Spanish on a Wednesday and I haven't prepared yet.
More orders are coming through, but I'm not able to cook tomorrow because I'm at a "Meet the Buyer" event. I hope the buyers do buy! So it looks like another 2:30am bed time tomorrow, as my kids are in a local panto and I won't miss their debut!
Wish me luck, I'll keep the coffee flowing...
You can find out more about Marcela on the new interactive business website www.inafishbowl.com
Cashflow is the lifeblood of any organisation. Getting it wrong means that your business will fail, but getting it right at a time of economic uncertainty is a significant challenge.
Having a healthy cashflow is crucial for all companies, but can have a massive impact for start-ups. A new business can only survive for a short time with a negative cash flow, and ultimately the business will end up insolvent. Start-ups must adopt processes to help manage their cashflow from the moment they are set up.
Late payments are a significant problem for entrepreneurs to deal with. Half of the small businesses polled by Sage in its monthly Omnibus said they had been impacted by late payments over the last twelve months.
For start-ups waiting to improve their business cashflow, there are a number of steps to take, including:
Know where your money is – It sounds simple, but a lot of small businesses will fail because their owner doesn't keep a close eye on the funds coming in and out of the business. That visibility is best achieved by maintaining regular updates on your cashflow forecasts.
Know your customers – Many businesses have a set date for paying invoices, learn when these are for your customers and record the date. If the date passes and you are yet to be paid, then there is a good chance that something is not right and you can follow up with your customer.
Set-up an online automated contingency plan – This will help you actively manage your cashflow. It is critical that start-ups remain aware of how much money they are owed and when payments are due, so that late payments do not occur in the first instance. However, if they do occur good management can ensure the late payment does not have a damaging effect on the overall cashflow. These are all aspects that business accounting software can help you get to grips with.
By implementing theses correct processes a start-up will be able to manage their financial planning effectively, forecast the year ahead and identify any potential cashflow issues. By following these guidelines and implementing the right software, businesses can make sure they remain strong and cash positive.
Brendan Flattery is the Managing Director of the Small Business Division at Sage UK and Ireland.
I had always thought that the word "entrepreneur" sounded so glamorous. The truth is that you are "it", from key decision maker and strategist to garlic peeler. When people ask me what my position is in my company I laugh - I'm the CEO and the cleaner.
If you decide to start your own business without your finances completely sorted and you can't afford staff, you are in for a difficult time trying to do everything. Even if you have a business plan that maps out incomings and outgoings, there is always that extra marketing opportunity that you don't want to miss, or that packaging that you had to buy etc... spend, spend spend. I left my job early on in the planning of the business to throw myself fully into the project - maybe I should've been more patient and kept my salary for a bit longer.
Having said that, somebody said to me at the very beginning of my business journey that I should just go for it and borrow £100k from the bank. Thank goodness I didn't do that. Yes, life would've been so much easier, I'd have a budget for machinery and packaging, maybe one or two part-time staff and a salary, but I wouldn't have known how to spend it as well as I do now. Now, I have proved a concept, I understand which things worked or didn't work and I know exactly what I need to do next. The only small detail missing is the cash itself.
So, this week has been about focusing on raising finances and boosting my sales. I'm looking after my key customers and revising my business plan so it reflects what I know now to allow me to get to the next stage. I'm off to the bank today and, hopefully, the bank manager will like it and believe that I can make it work. Hopefully I will be able to raise the finances and afford to pay a member of staff and the machinery I need. Feeling positive. I'm not superstitious.
You can find out more about Marcela on the new interactive business website www.inafishbowl.com
Ross (manager): "Welcome everyone, I trust you're well. Item one: whether to invest in a company branded doormat."
Ruth (marketing): "A company-branded mat will create a more welcoming entrance and make us look more professional."
David (finance director; deep, gruff voice): "Make us look more professional? How exactly will a mat make us look more professional? Unless, of course, you intend the staff to wear it?"
Ruth (slightly squeakier now): "Professionalism is about the whole package, David."
David: "How professional are we going to look when we go bust because you keep buying all this frivolous rubbish?"
Ruth (really squeaky): "If you don't stop thinking like that, we'll never go anywhere."
Ross (calm, obviously): "Ok, David, can we actually afford the mat?"
David: "...........................(long pause)....................................... Er, yes"
Ross: "Ruth, do we need the extra gold tassels or will it still be fit for purpose if it's bright pink and hardwearing?"
Ruth: ".......................(Not squeaky at all).................. Mmm… We don't really need the tassels, no...."
Ross: "Right then, got there in the end, didn't we? Let's buy the mat."
Of course, my company has but 10 staff, including me. We don't have a boardroom or a marketing expert called Ruth or a finance director called David. I don't know how other business owners make decisions, but when it comes to cost-benefit analysis, this type of things usually works for me.
Ross Campbell, The Exercise Club


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12 BR/12.5 BA Luxury Lodge - Retreats, Reunions, Weddings
You sent a message to this manager.
- Minimum stay:Contact manager
- Internet:No
- Pets considered:No
- Wheel chair accessible:No
Other Keystone Properties lodge description
This unique, 8000-square-foot, luxury, mountain home is minutes from five major ski areas, but is the ultimate spot for summer activities.
This lodge can be rented as the perfect private home for weddings, family reunions, corporate retreats, or the ultimate group vacation ~ the house is sometimes used as an upscale bed and breakfast so everything is beautifully maintained and all of the rooms are self contained allowing for privacy even when traveling with a large group. The Lodge is walking distance from breathtaking Lake Dillon and marina along the bike path just outside our front door.
There are breathtaking views from every one of ten individually decorated bedrooms; each offering a TV, VCR, private bath, phone, and CD player. Great rooms include a home theater with a selection of over 500 movies, pool table, poker table, foosball, piano, 2 Big Screen TVs, books, games, CD/stereo, and Sony Playstation. Hot tub, sauna, exercise room, and gourmet commercial kitchen. Spectacular floor-to-ceiling windows - mountains and pines. Wireless DSL service provided.
Call for pricing and website information.
Keywords: Lodge
Property Type
- Lodge
Accommodation Type
- Vacation Rental
- Non Smoking Only
- Pets Not Allowed
Bedrooms: 12 Bedrooms, Sleeps 30, Beds for 28-30
Bathrooms: 11 Bathrooms
Kitchen & Dining
- Kitchen
- Dishwasher
- Refrigerator
- Microwave
- Ice Maker
- Cooking Utensils
- Gas Fireplace
- Linens Provided
Other Amenities
- Foosball
- Satellite / Cable
- CD Player
- Stereo
- Pool Table
- Telephone
Pool & Spa
- Sauna
- Hot Tub
Outdoor Features
- Outdoor Grill
- Rock Climbing
- Hiking
- Golf
- Rafting
- Cycling
- Sailing
- Hunting
- Fishing
- Snowmobiling
- Basketball Court
- Swimming
- Shopping
- Sight Seeing
- Wildlife Viewing
- Cinemas
- Restaurants
- Boating
- Fitness Center
- Cross Country Skiing
- Horseback Riding
- Sledding
- Miniature Golf
Other Activities
- World-Class Downhill Skiing
Write a reviewThis property does not have any reviews yet.
Currency Conversion$900-$2500/night (depending on Time of Year & Length of Stay). Pets NOT allowed, No Smoking.
Note: Until confirmed, rates are subject to change without notice.
This manager accepts: Credit cards.
Always make sure to call the number on the listing to confirm payment details. Only pay using credit card, PayPal, check or direct bank transfer. NEVER pay by cash or instant money transfer services such as Western Union or MoneyGram. Learn more
Don't forget your vacation protection! Get protected now
Adding our Vacation Protection services can make sure your getaway goes smoothly, no matter what. We offer Cancellation Protection, Carefree Rental Guarantee, and Damage Protection so you can truly relax.
Sorry this information is not available. Please contact the manager for more information.
Manager info
Contact us
- Primary: (970) 262-7500 (Colorado, USA)
Links to more information:
There have been visitors to this page since the counter was last reset in .
This listing was first published here in 2002.
Date last modified - Tuesday, May 21, 2013
Always make sure to call the number on the listing to confirm payment details. Only pay using credit card, PayPal, check, or direct bank transfer. Learn More
Three services to protect your trip:
Protect your payments in case you need to cancel.
Guarantee the rental meets your expectations.
Ensure you're prepared in case of accidental damage.

subset: commoncrawl


text:
Written on: 23/02/2008 by SRafferty (1 review written)
Good Points
Inexpensive and easy to use. I find it easy to start. Easily handled
Bad Points
Iffy build, the handle on mine slides around. This would have been an easy fault to design out. Having said that it's not a problem, just a little annoying.
General Comments
Don't expect to harvest a field with this trimmer, that's not what it is designed for. It is light weight and designed for light use which suits my needs. Would I buy another one when this one dies? Probably but I might have a look else where as well. Given its price I doubt you would find a better alternative without spending at least another £20 - £40.
Over all I would give it 7/10 for performance, 6/10 for build and 10/10 for value.
As rated by real users
"JCB = Just Cant Bloody/start!" Read More
"Worst striimmer ever" Read More
"Excellent buy" Read More
"Cheap Rubbish" Read More
"Please Do Not Buy This Product..." Read More


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Ho Ho Ho! Are you on FACEBOOK? We have 12 days of giveways from the HysterSisters Store if you are a "fan" of HysterSisters on Facebook. Enter to win:
Winners will be announced within the Facebook post. (We are sorry but USA members only are eligible to win. Void where prohibited by law.)
Any personal information you give to the HysterSisters website (the Website) will be held with the utmost care, and will not be used in ways that you have not consented. A more detailed explanation about how we safeguard your personal information is described below. Personal information is information about a person that includes identifying information about that person.


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Time Tracking
Showing page 2 of 35.
web2Project All development will continue here under a BSD license: https://github.com/web2project/web2project LAMP-based Project Management System focused on satisfying real-world business requirements based on community feedback. Built on a modular app framework, it allows Add On modules & customizations to interact almost seamlessly. (dotproject fork)
109 weekly downloads -
SportsTracker Application for tracking your sport activities.
100 weekly downloads -
time-o-meter Time-O-Meter is a webbased timesheet-system for engineering offices as well as small and medium sized enterprises of the services sector. It provides flexible project-based timekeeping and simplifies projectcontrolling. www.time-o-meter.de
129 weekly downloads -
Todomoo Todomoo is a todo manager specially designed to help you manage paid projects without advanced scheduling. The program will organize projects in hierarchical tasks and stores payment details, timers and multiple notes for each task. Portable as well.
90 weekly downloads -
Timesheet Next Gen TimesheetNextGen is a continuation of the Timesheet.php project. The aims of this project are to support the old Timesheet.php user base and to develop the next generation of this application, focusing on ease of use, functionality and extendibility
100 weekly downloads -
Anahaw Internet Cafe Timer Anahaw Internet Cafe Timer is an internet cafe administration program. Basic function include client shutdown,logoff, restart and monitoring. It can handle up to 16 workstation. The server can be used also as stand alone (client need not be connected
135 weekly downloads -
C-CPP Calendar Calendar App To Perform Calendar Related Functions
79 weekly downloads -
ProjectForge ProjectForge is a Web-based solution for project management including time sheet booking, team calendar, financial administration, and controlling and managing work-break-down-structures. A ready-to-run server and a war file are available.
82 weekly downloads -
TimeCult Time Tracking Application A simple yet powerful task management and time tracking application. Supports a hierarchy of projects and tasks, multiple taks timers, data export to a comma-separated file, detailed time log, dynamically computed summaries of used time per each project
65 weekly downloads -
TimeSlotTracker Simple and useful time tracker
50 weekly downloads -
etm: event and task manager etm provides an intuitive format for using plain text files to store data, a command line interface for viewing data in a variety of convenient ways and a GUI interface for both viewing and modifying data. Repetition and alerts are supported .
59 weekly downloads -
openTimetool web-based time tracking software
61 weekly downloads -
webTareas A WebBased Collaboration OpenSource Tool
47 weekly downloads -
Cafepilot Cafepilot is an Internet cafe billing software. http://www.cafepilot.com http://www.dijitanix.com
50 weekly downloads -
Legal Case Management System The legal case management (LCM) system is a software aimed for use by not-for-profit legal advice centres in order to make better follow-ups of their work, including client consultations and court events. http://www.lcm.ngo-bg.org/
45 weekly downloads -
Multi Zone Clock Multi Zone Clock is a simple and highly configurable multi time zone clock and calendar plus highly configurable advance alarm clock. This Program creates any number of clocks with deferent time zones and many more . Give it a try and enjoy :P
56 weekly downloads -
TimeTracker TimeTracker (TT) is a PC activity monitor. TT will determine every second which window is currently active on your desktop. TT captures the window caption from the title bar and tracks the active time for that window. Custom tasks may also be added.
36 weekly downloads -
Tiny Time Tracker Tiny Time Tracker is an inobtrusive personal time tracker that fits nicely at the bottom of your screen. Switching between tasks is made easy with auto-complete and a "task history" dropdown. Times may be viewed in an Excel or Open Office spreadsheet.
30 weekly downloads -
ETM (Employee Time Management) System to control in real-time how much time employees have been worked in particular period (time tracking). Can be used in restaurants, hotels, motels - jobs where employees have been paid by hours they've worked.
40 weekly downloads -
almalert advanced alarm for n-gage game desk.
42 weekly downloads -
Llama Alarm Clock A Simple, easy to use, customizable Alarm Clock
30 weekly downloads -
LYZ Freeware (Stopwatch & Timer) LYZ Open Source Project for Windows ( 2 programs now)
36 weekly downloads -
Punchout! Timecard System Punchout! is a simple and straightforward time clock system that allows an administrator to set up multiple clients each with their own pay rate. The user can then punch the Punch In! or Punch Out! button to track their hours and pay.
29 weekly downloads -
PHPBounce Web Application used to manage clients, create invoices, timesheets
24 weekly downloads -
jWorkSheet jWorkSheet is a desktop personal time tracker for your projects. Data are presented in a spreadsheet-like format. The application offers some completed work sheet reports, but you can create your own user reports by XSL transformations.
21 weekly downloads


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Atria Maplewood Place
Malden , MA 02148
Starting at $4,495/mo. - $7,995/mo. (ALZ)
Payment Options
From the Provider
Atria Maplewood Place offers the following services:
- Staff available 24 hours a day
- Choice of apartments
- Anytime Café
- Full-time director of events and activities
- Emergency call system in every apartment
- Daily restaurant-style meals
- Housekeeping services
- Medication assistance
- Scheduled transportation
- Memory Care - Life Guidance®
Atria Senior Living Group, the nation's fourth largest assisted living owner-operator, provides respectful, quality care that helps more than 14,000 older people live life to the fullest. Atria communities are not nursing homes; rather, they are active communities where seniors can get the care they need to live as independently as possible. At the heart of Atria's approach is our belief that superior care depends on running a superior business. That's why Atria has developed some of the industry's most stringent measurement tools and comprehensive training protocols.
Reviews of Atria Maplewood Place
Average Rating: based on 4 Reviews
I visited this facility
Atria Maplewood Place was pretty new and was very beautifully set up. The facility was very clean. The staff was very professional. The people were very nice. They seemed to have a lot of activities going on. They showed us the dining room and an area where people could cook if they wanted to. They had a doctor on call. However, I thought the price was high. Their studio was $4,700m, which looked like a large closet with a tiny bathroom, a shower and a tiny kitchenette. A one-bedroom is $,6,600 and the cost was prohibit of meals.
I am a friend or relative of a resident
The assisted living areas of this facility were lovely, but the Alzheimer's unit (called "Life Guidance") was absolutely WONDERFUL! My mother was one of 10 residents, who were not just well-cared for, but LOVED by the staff. Every time I went to visit, and to one of the special holiday events, I could see the love in the eyes of the staff, and hear it in their voices, and saw it in their touch.
My mother was very happy there for the last few years of her life. And because she was happy, so was I.
I visited this facility
I recently visited two residents at Atria Maplewood Assisted living facility. In general, I thought Atria Maplewood Assisted living facility is excellent.
The grounds of the facility are well kept. The center is located on a main road in Malden, MA and is easily accessible by car. There is a large parking lot available for visitors to use. Upon walking into assisted living facility you are greeted warmly by the receptionist and the smell of fresh baked cookies. There was also coffee, juice, and water available with the cookies at the front entrance. There is a library and several small sitting areas both with and without TV's not far from the entrance. Every staff member we encountered was very friendly. From the interactions I observed it is clear that the residents know all the staff members and feel very comfortable with them. I also noticed that the facility staff demonstrated patience and had developed a genuine caring relationship with all residents but in particular a woman who has dementia and was relatively new. There seemed to be endless amounts of common areas in the facility. There is a lovely patio area in between the buildings, picture a courtyard. The dining room is enormous but very comfortable, as residents sit in tables of 4 to eat meals. There is also a separate dining area that can be utilized for special events. The entire facility has a homey, spacious, and comfortable feel. The residents' studio rooms are large and did not feel cramped at all. In the studio there was a large walk-in closet. There are stove tops and a good size refrigerator to use. The one-bedroom apartments are equally as nice but with more room. Overall, Atria Maplewood Assisted living facility is a wonderful place. I would recommend it to seniors who are looking to maintain their independence.
I visited this facility
Atria Maplewood place is an assisted living located in a quiet neighborhood in Malden, MA. I'm not employed by the facility. I work as a home health nurse and I do visit Atria Maplewood Place regularly to check on several residents. The residents' rooms look like big spacious apartments. The assisted living facility is well secured. Staff is available 24 hours to supervise residents or assist with activities of daily living. Staff members are always friendly and helpful whenever I visit the facility. My residents like the facility, the meals and entertainment activities. I would highly recommend Atria Maplewood Place to seniors.
Location of Atria Maplewood Place
Features of Atria Maplewood Place
- Lowest monthly rate: 4,495
- Minimum Memory Care Cost: 7,995
Get Details
- Get a quote
- Learn about payment options
- Make an appointment


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House of 1000 Manga - Manga 2.5
Jason checks out Manga 2.5, a new service offering fully-voiced and kind-of-animated manga series including Detective Loki and Otogi Soushi.
The official website for the Super Robot Wars games began streaming a promotional video for the 2nd Super Robot Wars OG game on Friday. The newest entry in Bandai Namco Games' tactical simulation role-playing game franchise is headed to the Sony PlayStation 3 console on September 29. Like the previous entries, this new game will feature original characters and robots not licensed from anime.
The regular edition cost 8,379 yen (about US$105), while the 41,790-yen (US$522) Complete BD Box will include all 26 episodes of the Super Robot Wars OG: The Inspector television anime series.
[Via 0taku.com]


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TRIPOLI, Lebanon: Three people, including a Hezbollah activist and a policeman, were killed Thursday when masked gunmen opened fire on a group of men in the northern Lebanese city of Tripoli, security sources said.
They said two gunmen riding on a motorcycle opened fire on Husam al-Mouri, a Hezbollah activist based in the northern city, and his two brothers in the Zahrani neighborhood of Tripoli.
Husam was killed instantly, the sources said, adding that a resident from Tripoli's Bab al-Tabanneh neighborhood identified as Abboudi Akkari and policeman Fayyad Abdallah, who was in the area during the shooting, were also among the fatalities.
They said Mouri's brothers – Anwar and Hashem – suffered multiple gunshot wounds from an assault rifle in the 1 a.m. shooting.
A bitter dispute had erupted between Mouri and members of the pro-Future Movement Afyouni family during violence that has gripped Tripoli in connection to the Syria war.
Angered over the death of Akkari and Abdallah, gunmen forced their way into the Islamic Hospital in Tripoli, breaking several windows.


text:
Thief makes off with dangerous laser
Misuse can lead to damage, injury
ALBUQUERQUE (KRQE) - A crook out for pricey loot took off with powerful and potentially dangerous medical equipment, a laser Albuquerque police said can cause serious damage.
The doctor who reported the items stolen told detectives the equipment is for laser acupuncture to treat pain and swelling.
Detective Tasia Martinez said if it's misused it can cause some serious pain.
"It can cause blindness or permanent eye vision issues or even skin damage," Martinez said.
The equipment was stolen from a doctor's office parking lot on Menaul Boulevard NE near Juan Tabo in February. Police said the doctor was loading the trunk of her car when a man pulled up, grabbed a green bag and drove off.
"It's her belief that the thieves took the bags out of her trunk not realizing what they were stealing," Martinez said.
Martinez added they got a surprise when they opened it up to find that it was medical equipment and not electronics like laptops.
The theft has also left patients waiting for care.
"She's not able to treat the medical needs of some of her clients because she no longer has this equipment," Martinez said.
Police are looking for a man believed to be Hispanic and in his 30s. He was driving a black older-model Chevy Yukon.
Detectives said the serial numbers from both pieces are now in a national database. So, if someone tries to sell them to a legitimate buyer they will show up as stolen.
Police said it is a crime if someone scratches off the serial numbers.
More Headlines
Suspicious substance closes treasure's office
Officials say the Bernalillo County Treasurer Office is closed Friday after a suspicious substance was found in the office.
Old Town holiday festivities
One thing that this winter weather can really do is help get you in that holiday spirit.
Morning News Blitz: December 6, 2013
Today's top headlines with Matt Mauro and Elizabeth Alvarez. Weather with Meteorologist Kristen Van Dyke
Mandela, anti-apartheid icon, mourned world over
In nearly seven decades spent fighting for freedom and equality, Nelson Mandela inspired and challenged the world to stand up for others. As word of Mandela's death spread, current and former presidents, athletes and entertainers, and …
Former politician out of prison
Four and a half years after he went to prison, former state senate leader Manny Aragon is out.
Meth kingpin caught in NM
A suspected meth kingpin the FBI thought might be hiding out in New Mexico has been captured.


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This crazy movie leaves you at the edge of your seat......
A good scary movie. A couple of jumps and mamas face is pretty scary. Good movie, will be watching it again
Uniquely_Me910 The movie Mama was really good I love scary movies
33 minutes ago.
BrendenKirch It's been a decent year for horror too, actually. V/H/S/2 was a nice surprise and Mama was pretty cool.
4 hours ago.
FreyaMagritt Friday, the 13th, and I'm watching The Conjuring today. Not a fan of horror movies, I watch them only on Fr, 13th. Last time it was Mama.
drakefolyf WTF was up with that nightmare!? I felt as if I was in that movie "mama" and "conjuring" they all mixed up! Well done brain. Well done.
5 hours ago.
childspayxanxus wow "Mama" was a good movie
6 hours ago.
Exclusive Cast Interview Guillermo del Toro, Jessica Chastain talk about how the short film evolved into a feature, Chastain's ukelele skills and how Nikolaj Coster-Waldau lost money to the child actors. 1:1 with Guillermo del Toro We got the opportunity to chat with del Toro on all things 'Mama', Jessica Chastain and his busy schedule.


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Staples.com Omnitech 9 Sheet Shredder $25
Sorry, this deal is expired.
The best deals can go quickly and don't always last as long as we first thought. Prices and inventory can be very fluid. There are many great deals that are still active.
See more active Staples Deals or deals filed under: Business & Office Supply, Office Supply
Staples.com Omnitech 9 Sheet Shredder $25
Updated: Staples.com drops the price of this Omnitech 9-Sheet Cross-Cut Shredder from $59.99 to
$24.99$19.99! It has received 4 stars on over 400 reviews thus far, and it can shred through credit cards and staples. Shipping is $9.95, free to a store near you, or free with $75. Sales tax is charged in most states.
Related Deals
Toshiba 17" Laptop $380 w/Rebate
Update: Deal Extended! This Toshiba L75D-A7283 17.3" Entertainment Laptop drops from $549.99 to $379.99 plus free shipping at Staples.com after you send send in this $50 mail-in rebate. This was the lowest price we found by $50. It runs on an AMD A4-5000 1.5GHz processor with 6GB of RAM and a 750GB hard drive. Plus it has a AMD Radeon HD8330 graphics card, making it ideal for gaming and video. Sales tax is charged in most states.
Logitech Wireless Touch Mouse $18 Shipped
Get this Logitech Wireless Touch Mouse T620 for $17.99 plus free shipping at Staples.com. With free shipping, this was the lowest price we found by $10. It allows you to swipe, scroll, tap and click on a smooth surface (similar to Apple's Magic Mouse) and is wireless with a USB nano dongle receiver. Sales tax is charged in most states.
Related Coupons
Staples Coupons Staples Weekly Deals
Use this link to shop weekly deals on office supplies, furniture, technology, and more at Staples. (expires January 31, 2014)
redeem this couponActivate & open site


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Company Overview of Lijit Networks, Inc.
Company Overview
1050 Walnut Street
Suite 340
Boulder, CO 80302
United States
Founded in 2006
Key Executives for Lijit Networks, Inc.
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For almost three decades Fury Water Adventures has been offering exciting watersports, special events, vacation packages, and fun things to do in Key West. Our Key West vacation guide written by Shayne Benowitz offers hundreds of articles and eventful resources that will make planning your trip to Key West a delightful experience. Since 2008, Shayne has brought colorful and insightful commentary about all the most important things to do in Key West while your on vacation. This vast library of content supplies thousands of visitors with local restaurant reviews, top-rated attractions, and some of Key West's best kept secrets.
On the left side of the page you'll find a category directory and below are the summaries of Shayne's most recent articles. Sit back, relax, and imagine yourself enjoying the Key West sunset!
At Fury, we're more than just a company. We're more like a family. We spend so many of our waking hours together on the boats and on the island, it's inevitable that we get close. Longtime Fury family member Stephen … Continue reading
Have you made your Thanksgiving plans yet? Any chance you decided to spend the holiday in Key West? If you're wondering what to do in paradise on Turkey Day, allow me to present you with a few options. First of … Continue reading
At Fury, we love weddings! There are so many ways to work a trip aboard Fury into your winter wedding weekend. Whether it's the ceremony, reception, rehearsal dinner, cocktail hour or an excursion, our private wedding charters can cater to … Continue reading
Hard to believe, but it's November. Time flies when you're having fun! And there's a lot of fun in store in Key West this month, starting with the annual World Championship Powerboat Races taking place November 6, 8 and 10 … Continue reading
Why do most of us work at Fury Water Adventures in Key West? It usually has something to do with a deep rooted love for the ocean. Waking up every day and calling the deck of a boat our office … Continue reading
The seasons might be changing, but it's snorkel season year round in Key West. To prove that point, Fury Fan James Ratzloff shared a handful of amazing under water shots at the reef during his Double Dip Snorkeling Trip on … Continue reading
There's something about October in Key West. The temperature in the mornings and evenings have cooled off, making for pleasant bike rides to work and perfect weather to grab dinner outside. There's also a certain electric friskiness in the air. … Continue reading
There's nothing like a family vacation to relax and reconnect with the ones you love most. For Troop Rewards, the Tampa-based non-profit, their mission is to provide recovery vacations to recognize and thank returning US soldiers and their families who … Continue reading
Meet Frances Lewandowski, our latest Fury vacation winner. We're giving away a free Key West vacation package every month with a stay at the Double Tree Resort by Hilton. We had a chance to ask Frances a few questions about … Continue reading
Hey mon, relax and enjoy this laid back playlist stocked with you're favorite Rum and Reggae tunes. The Fury crew gets to enjoy the Rum and Reggae tour everyday, so why shouldn't you? Let us know if we've missed any … Continue reading


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I`m surprised that this place still exists It has the location and potential to be a very good motel but the owner seems to be very happy to let it rot. We stayed on site for no more than 5 minutes, the place is a positive health hazzard its so filthy. The staff have no command of english and don`t... More
- Also Known As:
- New Forest Ringwood


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Galaga Pint Glasses
Available on Etsy for $20.00 USD
Created by CrawlspaceStudios
Our first promo is HERE.
Vampire Squid (Vampyroteuthis infernalis)
Taxonomy: The Vampyroteuthis infernalis, literally translates to "vampire squid from hell" was first described in 1903 and was thought to be an octopus with eight arms. Subsequent sightings of it showed two additional arms were discovered tucking into pockets. It is currently, the only animal in the order Vampyromorphida, an order "in between" octopus and squid, mainly due to the addition of sensory filaments believed to be used for finding food in the deep sea.
Characteristics: V. infernalis is most commonly known for its jet-black skin, the "cape" webbed skin between the arms and eyes that appear blood red at times. It has excellent predator avoidance behavior, including the ability to invert itself, exposing suckers and cirri, making it look as though it is covered in spines. V. infernalis also has light organs on the tip of each arm and at the base of its fins. The animal will begin to glow and wiggle about while also expelling mucus containing "thousands of glowing spheres of blue bioluminescent light." While this mucus is being expelled, the vampire squid escapes.
Size: Average size for V. infernalis is between 25 – 30 cm (9-12 inches). For its size, the vampire squid has the largest eyes of any animal in the world; approximately the size of a wolf or full-grown dog.
Distribution and habitat: V. infernalis lives in the oxygen minimum layer (600-800 m depth) because it is highly effective at removing oxygen from the water due to a pigment that easily binds oxygen (hemocyanin). It also has a very low metabolic rate and high gill surface areas. Specimens have been collected from tropical and subtopical waters worldwide.
(via scinerds)
Source: trynottodrown
#doctorwho50th in 3D!
Doctor Who 50th Anniversary: Cupcake Project
"…it seems appropriate that there is a little madness when making cupcakes about a Mad Man with a Blue Box."
The Day of Doctor Cupcakes
To celebrate the 50th anniversary of Doctor Who, BBC Future has created an interactive map of his travels through time. Can you guess which Doctor has made the most TARDIS trips? Click here to find out, and click on each trip to see archive video clips and images too.
This interactive image was produced by Information is Beautiful for BBC Future.
(via trustmeimadoctorwho)
Source: bbcfuture


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FRANKFORT, KY (11/27/12) – Charities across the U.S. are taking part in "Giving Tuesday," a day set aside during the holidays for nonprofit organizations to accept donations.
The Kentucky State Park Foundation is a nonprofit organization established in 2007 to support the Kentucky State Parks. It raises money that is used for state parks through grants for projects.
"This is just one way people who support the Kentucky State Parks can give to help continue our mission to promote the natural, historical and cultural resources of Kentucky's State Parks and Historic Sites," Parks Commissioner Elaine Walker said. "It's a gift that helps to protect our parks for future generations."
You can learn more about the Kentucky State Park Foundation, including how to make a donation, by visiting http://kentuckystateparksfoundation.org/
For more information about Kentucky State Parks, including reservations and special events, visit www.parks.ky.gov
SurfKY News
Information provided by Gil Lawson
Copyright 2013 SurfKY News Group, Inc. All rights reserved. This material may not be published, broadcast, rewritten, or redistributed.
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Life is Good festival to raise more than $1M for children
UPDATED 7:49 AM EDT Sep 23, 2012Singers Dave Matthews and Sara Bareilles are headlining the Life is Good Festival in Canton this weekend, which expects to raise more than $1 million to help children in need.
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FRESNO, Calif. (KFSN) -- Three boys from Fresno are now at the center of an international investigation into possible kidnapping and human trafficking. Investigators on both sides of the border have been trying to find the boys' family.
Romeo and Damian Trevino weren't even school aged when their great-grandmother last took their pictures in 2006.
The boys have grown a lot since then, and Eva Trevino hadn't seen them in a year until Action News showed her images of them, still dressed alike, but in the custody of Mexican police.
"I know they must be going through some horrible moments," Trevino said. "Worried and scared for them that they might really be hurt because we didn't know anything about it."
Now nine and ten years old, the boys and their half-brother Michael tell police they've lived with a grandmother in the Guadalajara area for seven months. But the boys said they were taken from that home by strangers, then dumped at another location. Police are now trying to determine what happened to them, and where they belong.
"The family's mostly been worried about them and trying to find some kind of paperwork so we can prove they belong over here," Trevino said.
Romeo and Damian's parents lost custody of all three boys around the time this picture was taken. Another family adopted them and changed their last names, but the adoptive mother had them visit the Trevino family fairly often. They can't track her down now, though.
Trevino says the birth parents never stopped loving the boys. They've been trying to work with the Mexican consulate to get the kids back in the United States, but without parental rights, it's been difficult. They're just hoping the boys aren't suffering too much and know they have support back home in Fresno.
"We love them," Trevino said. "We haven't forgotten them and we just want them to come home."
The international implications, though, could keep that homecoming from happening for several days.
mexico, kidnapping, fresno, fresno county, local, corin hoggard
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- Record number of manatee deaths reported in 2013
- Judge orders hospital to keep teen on support
- Things you didn't know about reindeer
- Man charged in Elbow Room fight pleads not guilty
- Fresno Poverello House in need of toys for kids
- Fresno State program gets students interested in STEM classes
- Parlier students get iPad Airs
- Ryann Jones found guilty of second degree murder
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Although saving money has become second nature for Americans across the country, according to research from Coupons.com, these 25 cities were the most frugal in 2012.
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Job TypeContract Full-Time Position Id22005 Job Description Manages and maintains all production and non-production databases. Responsible for standards and design of physical data storage, maintenance, access and security administration. Performs backup and recovery on Database
11/20/2013 Hightstown, NJ Save This JobAbout Tesla Tesla's goal is to accelerate the world's transition to electric mobility with a full range of increasingly affordable electric cars. California-based Tesla designs and manufactures EVs, as well as EV powertrain components for partners such as Toyota and Daimler. In
11/19/2013 Deer Creek, IL Save This JobGeneral: The Program Manager is responsible for start to finish initiatives as well as on-going maintenance of implemented programs such as safety, quality and human resources. Tasks and Responsibilities: The Program Manager shall be responsible for, but not limited to, the
11/19/2013 Albuquerque, NM Save This JobSummary: The VP of BD leads all sales efforts for assigned accounts, including market research, account sizing, & lead targeting, account planning, pipeline management, contracting, and reporting to senior management. In addition, the VP of BD maintains key internal relationships
11/19/2013 New York, NY Save This JobDescription Summary of Responsibilities: You will be working with enthusiastic set of individuals who are passionate about bringing higher quality of products to market through their continuous dedication and creativity. An industry leader in mortgage LOS, our company offers
11/19/2013 Pleasanton, CA Save This JobPosition Description TripIt, the leading mobile travel organizer from Concur, makes it easy for millions of travelers to organize and share their trips. Simply forward confirmation emails from anywhere you book to email@example.com and TripIt automatically creates one simple,
11/19/2013 San Francisco, CA Save This JobDepartment: Finance Reports To: Finance Manager DESCRIPTION: Responsible for the analysis, assessment and continuous improvement of the Company?s current business practices, processes and controls, particularly with respect to revenue leakage. Actively involved in the
11/19/2013 Houston, TX Save This JobDescription: FibroGen, Inc., a leading pre-IPO biotechnology company, with multiple foreign subsidiaries, seeks a seasoned corporate paralegal to work directly with multiple attorneys in an exceptionally strong 10-person in-house legal team. FibroGen has a diverse pipeline of
11/19/2013 San Francisco, CA Save This JobOur Mission Common Sense Media (www.commonsense.org) is dedicated to improving the lives of kids and families by providing the trustworthy information, education, and independent voice they need to thrive in a world of media and technology. Summer and Year-Round Interns We
11/19/2013 San Francisco, CA Save This JobID:1012 Department:Marketing Description The Marketing Automation Specialist will be in charge of expanding the company?s email and automation campaigns. This person will help drive the business by managing our automation platform, Marketo, for leads and current customers.
11/19/2013 New York, NY Save This JobPRIMARY DUTIES AND RESPONSIBILITIES: Record and process transactions in the general ledger system. Prepare general ledger account analysis and reconciliations. Compile work papers for month-end and audit files. Assist senior accounting staff in the completion of various reports
11/19/2013 Houston, TX Save This JobDESCRIPTION: Based in Houston, TX, the Financial Manager will be primarily responsible for the accurate and timely reporting for the USL monthly results, reconciliations, and analytics. In addition, this position will also be a key strategic business partner to the USL
11/19/2013 Houston, TN Save This JobSummary The Entry Level Product Quality Assurance person will be primarily responsible for assisting the Product Development and Technology teams with QA testing of our products; cataloging bugs, and performing regular usability and functional testing. He/she will also assist
11/19/2013 New York, NY Save This JobCOMPANY DESCRIPTION TiER1 Performance Solutions helps organizations use knowledge to improve performance. From the holistic strategy to custom learning solutions, creative communications to effective training programs (plus the tools and technologies to support it all), we've
11/19/2013 Pittsburgh, PA Save This Job(C++, Systems/Embedded Software, Algorithm development, Prototyping,) Labcyte Inc. develops, markets, and sells innovative, cutting-edge liquid handling instruments to the life-sciences market. We are looking to hire a systems software engineer for embedded software
11/19/2013 Sunnyvale, CA Save This JobDescription Position Summary Collect, organize and analyze customer and market research data to determine positioning and messaging for campaign and competitive strategies, and support product marketing in development of sales collateral and customer facing communications.
11/19/2013 Pleasanton, CA Save This JobDescription Summary of Responsibilities: The Senior Mortgage Quality Assurance Analyst will work with Ellie Mae?s Software Quality Assurance group and is primarily responsible for ensuring all credit, compliance and operational quality control testing for the Encompass360
11/19/2013 Pleasanton, CA Save This JobDescription Responsibilities Educate and qualify inbound leads to create sales-ready leads and opportunities via phone and email Work closely with marketing to support successful outbound campaigns Assist Sales Account Executives with territory management by identifying and
11/19/2013 Pleasanton, CA Save This JobDescription Summary of Responsibilities: The Senior Mortgage Quality Assurance Analyst will work with Ellie Mae?s Software Quality Assurance group and is primarily responsible for ensuring all credit, compliance and operational quality control testing for the Encompass360
11/19/2013 Pleasanton, CA Save This JobCommon Sense Media is the leading independent, non-profit organization dedicated to improving the lives of kids and families by providing the information, education, and independent voice they need to thrive in a world of media and technology. We are thriving and you?ll kick
11/19/2013 San Francisco, CA Save This Job


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Miami-Dade district to hold town hall forum – MiamiHerald.com
(4.35/5 - 11#)
The forum is the third held by the Dade superintendent to review past, future challenges. By Miami Herald Staff Parents and students can weigh in on what's ahead for the Miami-Dade County Public Schools in 2012-13 at a town hall forum Tuesday. …


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The Spaniels
The Spaniels
The Ultimate Acapella Collection
Original Release Date: 1993
Track Listing
1. Goodnight, Sweetheart, Goodnight [Group Mix]
2. You Gave Me Peace of Mind [Group Mix]
3. I Know [Group Mix]
4. Stormy Weather [Group Mix]
5. Baby It's You [Group Mix]
6. The Bells Ring Out [Group Mix]
7. A Lovely Way to Spend an Evening [Group Mix]
8. Bouncin' and Rockin' [Bass Mix]
9. Three Little Words [Group Mix]
10. Zing! Went the Strings of My Heart [Group Mix]
11. Play It Cool [Group Mix]
12. Truly [Bass Mix]
13. Goodnight, Sweetheart, Goodnight [Bass & Lead Mix]
14. Trees [Group Mix]
15. One Day at a Time [Group Mix]
16. Baby It's You [Bass & Lead Mix]
17. Danny Boy [Group Mix]
18. People Will Say We're in Love [Group Mix]
19. Boppin'-Bass Mix [Mix]
20. You Gave Me Peace of Mind [Lead & Bass Mix]
21. Play It Cool [Bass/Group Mix]
22. Trees [Group/Lead Mix]
23. Three Little Words [Bass-Tenor Mix]
24. A Lovely Way to Spend an Evening [Lead & Bass Mix]
25. The Bells Ring Out [Bass & Lead Mix]
26. Play It Cool [Double Mix]
27. Goodnight, Sweetheart, Goodnight [Double Bass Mix]
Lionel Richie: Composer
Burt Bacharach: Composer
The Spaniels: Performer
Hal David: Composer
Harry Ruby: Composer
Wayne Stierle: Liner Notes, Mixing
James F. Hanley: Composer
Mack David: Composer
Frederick Edward Weatherly: Composer
Otto Rasbach: Composer
Barney Williams: Composer