International exporters need the services of banks or
financial institutions at many stages of their trading business. They need loan
to help with initial setup, they need financing for production phase, and they
need the services of banks to make or receive payments (letter of credit, wire
transfer, etc), they can avail lots of other services like online banking,
small business loans, credit cards, etc. When deciding on your bank you should
consider following points carefully, because you can’t keep changing your bank
Interest Rates and Service
Normally, there’s not much difference between interest
rates offered by various banks operating in the same market and circumstances,
mainly because of cut throat competition. However, that doesn’t mean you should
completely ignore the small differences at hand. Similarly, banks charge
different fees for different services, if you have a clear idea of the services
you are going to avail, you can easily decide on the most suitable bank. Banks
have to rely on these service charges and fees for their profits, but you must
make sure that you are not getting ripped off by your personal bank.
Repute & History:
A well reputed bank of good standing will also speak
for your business credibility at international export, so you better go for
some bank, which is highly regarded among business circles. If you are choosing
a bank for long term relations, you should go through its business history,
past performance and achievements. Another question to go over is how
financially strong that bank is, especially after we have seen more than 15 US
banks failures in first three months of 2009. Just because they deal in money,
doesn’t mean they’d never run out of it.
Customer Relations &
Good banker-customer relations are a result of mutual
understanding and …
There is a belief that masses of people share that in order to make
money you have to spend money-and a lot of it. While this may be true in many
respects with the majority of endeavors, it is not true with all of them. As a
matter of fact, there is something new brewing in the online world that can
earn you a fortune, regardless of your financial position or current
circumstances in life.
If you are like many people in the United States and around the world
you probably often worry about what the future holds financially speaking.
While no one can say for sure, there are some things you can start doing now to
ensure that your financial future is much brighter than it is now.
Did you know that with the advent of social networking sites like
YouTube, Facebook, Twitter and MySpace any individual, regardless of where on
the planet he or she resides, can now market a product around the globe-and all
from the comfort of one’s own home or office? Why is this important, and how
can YOU benefit from this knowledge?
This is important because up until just a few short years ago the only
people who could afford to advertise and market their products nationally and
globally were not individual people-they were companies. It costs millions of
dollars to advertise on national television.
Businesses don’t have to be solid structures of concrete, wood or brick
any more-they can be without physical shape or form-they can be virtual world
enterprises that exist in cyberspace, but nonetheless are as real as any that
exist in your local neighborhood or town. If you have a cookie to sell, a
counseling service to offer, information to provide, or any conceivable product
that you can think of, …
When you do the startup online business, the
SEO will be the great helper for you in developing that business. SEO will help increasing position of your website
in Google search. SEO is a bit tricky if you want to do it yourself because
there are many website and backlink regulations from Google. It will take time to learn all of them so it
is better to ask SEO agency to help you. Here are several things that you
should think about before you choose an SEO agency to work with.
1. The price and designed solution
When you call an SEO agency, you often find that
they will work with you on the low cost term. It’s not recommended because this
kind of agency often uses cheaper tactics that might negatively affect your
business instead of taking care of your business carefully.
2. The rank for difficult keyword
It’s important for you to get an SEO agency
which can put you on the first page on Google. As you are on the top list of
the searching activity by Google, it means you have your target in business
traffic and you’ll be visited by more and more people who would probably be
your loyal clients. And you can count on SEO Gold
Coast for this
3. IT specialist is not always an SEO expert
Don’t get yourself wrong by taking those who
are IT experts as an SEO expert as well. They may come to you to answer your mechanical
problem, but if they do know about SEO, they would come to you with idea of how
to make your website be on the top rank.
4. SEO fulltime expert
There are many people out there who know a bit
about SEO but they would take the …
According to estimates by experts world population would reach a
staggering 9 billion in the next 40 years and food demand would increase by 50%
much before that by year 2030. The strain on land as a resource on account of
good portions of cultivable land being taken up to provide living space and
shelter to the swelling population would only compound the problem. Given the
bleak scenario the formation of the EU joint Programming Initiative (JPI) on
agriculture could not have come a day later.
The JPI constitutes 20 European countries which work together and
synergise their efforts and knowledge in defining, developing and implementing
a common strategy to address all issues that concern the well being of its
citizens. It would help in strengthening research collaboration and coordinate
effort to avoid duplication and make the best use of the national funding of
EUR 1 billion Marks made available per year for the initiative. The JPI will
eliminate fragmented research efforts that could pull in opposite directions
and bring about a coherent and coordinated research initiative which would play
a crucial role in the European 2020 strategy.
The fact that less than 15% of civil research is currently coordinated
at the European level and the EU budget covers only 5% of public research
funding is not something to be happy about and it is this anomaly that the EU
Commission plans to correct. The JPI will not only try to find means for a
stable, safe and sustainable food supply but will also tackle the impact that
climate change has on agriculture. The JPI is led by the National Institute for
Agricultural Research (INEA) in France and the Biotechnology and Biological
Research Council (BBSRC) in the UK other member nations being Austria, the
Czech Republic, Cyprus, Denmark, Germany, Estonia, …
There are many traps the first
comer to the caf? business should understand. I have outlined the top 7 points
to check on and consider, when buying a caf?.
Its is a great business to be in
and at the moment some great bargains are to be had out there, as not many
people are buying, but there are many good cafe’s and restaurants to be had and
don’t let the current economic situation deter you from your goals.
I have outlined 10 points you
must look at very carefully when buying a caf?. You must do your homework and
be 100% sure on all these points.
You never see a franchise
operation in a backstreet do you? And so don’t even consider buying in a
backstreet, the rent will of course be cheaper but remember the old adage
“you only get what you pay for.”
2. The lease:
Make sure you read the lease
carefully, don’t just leave it up to your lawyer to do this, you must make and
effort here and anything you don’t understand, make a note and when consulting
your lawyer bring these points up.
A lease should be a minimum of 12
years long, 15 would be preferred, and then you have something to sell to the
next person buying a caf?.
So a 5 x 5 x 5 lease is perfect,
this means you have 5 years to run before you can either renew for 5 years or
get out, but you can effectively stay for fifteen years.
Some leases have the lessee (you)
paying for all the external repairs and maintenance to a building, look these
are hard times now so negotiate all points in a lease.
When buying a caf? make sure you
have at least 40% …