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<?xml version="1.0" encoding="UTF-8"?><rss version="2.0" xmlns:content="http://purl.org/rss/1.0/modules/content/" xmlns:wfw="http://wellformedweb.org/CommentAPI/" xmlns:dc="http://purl.org/dc/elements/1.1/" xmlns:atom="http://www.w3.org/2005/Atom" xmlns:sy="http://purl.org/rss/1.0/modules/syndication/" xmlns:slash="http://purl.org/rss/1.0/modules/slash/" > <channel> <title>bzqnoms.info</title> <atom:link href="http://bzqnoms.info/feed/" rel="self" type="application/rss+xml" /> <link>https://bzqnoms.info</link> <description></description> <lastBuildDate>Wed, 18 Jun 2025 02:42:26 +0000</lastBuildDate> <language>en</language> <sy:updatePeriod>hourly</sy:updatePeriod> <sy:updateFrequency>1</sy:updateFrequency> <generator>http://wordpress.org/?v=3.1.3</generator> <item> <title>Do Direct Payday Loan Lenders Help Your Budget Control?</title> <link>https://bzqnoms.info/do-direct-payday-loan-lenders-help-your-budget-control/</link> <comments>https://bzqnoms.info/do-direct-payday-loan-lenders-help-your-budget-control/#comments</comments> <pubDate>Tue, 18 Jul 2023 01:19:58 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Online payday loan]]></category> <guid isPermaLink="false">http://bzqnoms.info/?p=59</guid> <description><![CDATA[How much attention are you giving your financial life if fast direct payday loan lenders are your best friend during an emergency money situation? Have you had much control over your budget if your credit utilization rate will no longer … <a href="https://bzqnoms.info/do-direct-payday-loan-lenders-help-your-budget-control/">Continue reading <span class="meta-nav">→</span></a>]]></description> <content:encoded><![CDATA[<p> How much attention are you giving your financial life if fast direct payday loan lenders are your best friend during an emergency money situation? Have you had much control over your budget if your credit utilization rate will no longer support credit card transactions? You will have to work at gaining control over your personal finances if you would like to live a financially free lifestyle.What constitutes financial freedom? It doesn’t mean that you have to be bringing home a six figure salary each year. What it does imply is that you live within your means comfortably. All cost of living expenses are well within your budgeted range and you make smart decision when it comes to spending on extras. Restraint and dedication are great money management skills to have. It is okay to spend, but how you spend and how much you spend will make the difference between a budget that is balanced or not.Financial decisions relate to one another more closely than a budget would like. If your utility costs are too high for a month, the needs to be some sort of shuffling of funds, pull from savings account or use third party money. You may be able to solve this problem easily enough, but if problems continue to occur or a money emergency presents itself, the budget will struggle.- Juggling money within your budget can get tricky. It is important to watch for due dates, cover static costs and cut back on the expenses within your control. If you manage to make on-time payments despite the money crunch, you are doing well. A budget with a surplus or dedicated savings will handle the small bumps in the road much easier.- Use your own money that you have saved for emergency purposes, that is a smart financial plan. Not only will you keep your money problems within your own accounts, but you won’t be paying interest fees for using third party money. The hitch to a savings account is that you need to rebuild it just as fast as you would pay off direct payday lenders in order to keep more unexpected money troubles. When there is no money, you will need to look outside to cover on-time bills.- Outside money will most often come at a price. Unless you borrow money from a family member or close friend, you can expect to pay interest on the outstanding balance. The trouble with these loans is that if they are not paid as expected your fee could come in terms of losing a relationship. When you need to apply for credit cards or payday loan direct lenders online it is important to shop around for a responsible company which will offer you the lowest interest rates. You do not want to have to pay any extra towards your finances than need be. It becomes too easy to let full payments slide with credit cards. The low minimum payment is welcomed into budgets that have very little or no room to juggle expenses. People end up using them more and more and pretty soon even the minimum payments are no longer affordable. When you have to use alternative money like direct payday loan lenders, you will find that the high interest fees will motivate you to get the debt paid off as soon as possible.When you work at retaining or gaining control over your finances, it is important to make smart decisions from the get go. Small mistakes or oversights can lead to trouble quickly. Hone up your money management skills by frequently monitoring your budget, asking friends and family pertinent money questions or hiring an adviser to plan for a range of money goals.</p><div class="mads-block"></div>]]></content:encoded> <wfw:commentRss>https://bzqnoms.info/do-direct-payday-loan-lenders-help-your-budget-control/feed/</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>You May Have A Successful Small Business Idea</title> <link>https://bzqnoms.info/you-may-have-a-successful-small-business-idea/</link> <comments>https://bzqnoms.info/you-may-have-a-successful-small-business-idea/#comments</comments> <pubDate>Sun, 09 Jul 2023 22:04:23 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <guid isPermaLink="false">http://bzqnoms.info/?p=57</guid> <description><![CDATA[You surely know that a small idea can lead to a great business success. The first movement is to think of an idea that would be suitable for the business market. After coming up with the idea, the next step … <a href="https://bzqnoms.info/you-may-have-a-successful-small-business-idea/">Continue reading <span class="meta-nav">→</span></a>]]></description> <content:encoded><![CDATA[<p> You surely know that a small idea can lead to a great business success. The first movement is to think of an idea that would be suitable for the business market. After coming up with the idea, the next step is to put that idea into action. Of course, this is a very difficult step and having the idea is only the start of the journey. After that you will have to face many obstacles before being able to carry on with your business project. This is just the beginning of this process and there is a lot of questions you will have to answer before even start.Some of the main aspects you have to concentrate on when you have business ideas are the abilities and gifts you can pour into the business. It is very important for you to be identified with your business project. Those ideas should be based on activities and actions you take pleasure in doing. For example, if we suppose that you dislike working in the open, landscaping business would not suit you. On the other hand, if you like working with children, setting up baby-sitting or tutoring business would be an excellent idea. In this case, without any doubt you business will be more successful because you will have put your mind, effort and also your heart on it.Another vital step is to analyze the needs of a specific product or service in your region before setting up your business. Do people of your area need your product? Are there other business like the one you are planning to start? You should ask yourself whether or not you are the only one offering that service or product. If you are not, you will have to analyze the competence you will have to face. You have to think whether the service you are offering is one that customer would repeat, or if it is a one-time specialized service. Obviously, the former are more likely to succeed than the latter.There are other aspects you have to take into account. These aspects are described below:- One of them is that if the idea is unique, you will reign the market. But if there is much competition, it will be difficult to enter into the market.- A second point would be if you can offer quality from the very beginning, otherwise, you won’t succeed.- Finally, you have to think about your capital to start your own business. There are many business ideas that require little investment and bring great profit. Some demand research, such as daycare service, and others need a large amount of money to begin the business. So take this recommendation into account before investing all your money in a small business idea. <br/></p>]]></content:encoded> <wfw:commentRss>https://bzqnoms.info/you-may-have-a-successful-small-business-idea/feed/</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>How to Start Up Your Own Online Business</title> <link>https://bzqnoms.info/how-to-start-up-your-own-online-business/</link> <comments>https://bzqnoms.info/how-to-start-up-your-own-online-business/#comments</comments> <pubDate>Fri, 12 May 2023 18:08:03 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <category><![CDATA[best business ideas]]></category> <category><![CDATA[best online business]]></category> <category><![CDATA[best online business ideas]]></category> <category><![CDATA[best online business to start]]></category> <category><![CDATA[business ideas]]></category> <category><![CDATA[how to make money online]]></category> <category><![CDATA[make money online]]></category> <category><![CDATA[online business]]></category> <category><![CDATA[online business from home]]></category> <category><![CDATA[online business ideas]]></category> <category><![CDATA[small business ideas]]></category> <category><![CDATA[start an online business]]></category> <category><![CDATA[start online business]]></category> <category><![CDATA[starting an online business]]></category> <guid isPermaLink="false">http://bzqnoms.info/?p=55</guid> <description><![CDATA[More and more people are looking to the internet to secure their future. Driven by rising redundancies, job uncertainty and a genuine desire, in some cases, for a healthier work:life balance, people are finding that the internet often represents the … <a href="https://bzqnoms.info/how-to-start-up-your-own-online-business/">Continue reading <span class="meta-nav">→</span></a>]]></description> <content:encoded><![CDATA[<p> More and more people are looking to the internet to secure their future. Driven by rising redundancies, job uncertainty and a genuine desire, in some cases, for a healthier work:life balance, people are finding that the internet often represents the perfect solution. So what do you need to think about if you’re planning to start your online business? Here’s a good “starter” checklist:1. Really get to really know your way around the internet. It may sound obvious, but one of the first things you need to do is make sure you’re really comfortable and familiar with the internet. After all, you wouldn’t go to a completely unfamiliar location and decide to start a business, now would you? Try to think of the internet as a physical place to trade and think about your website as your physical shop where you display your product or service in its very best light at all times. Thinking this way will help make cyberspace seem more “real”. Also, get familiar with all the tools that’ll make your life online easier. Google is a great place to start and offers (amongst many other things) pay-per-click advertising as well as powerful website analysis tools that’ll really help you launch and control your business. So, before you do anything else, make it your priority to know your way around that powerful tool we call the internet!2. Plan your internet business with the same detail you would a “physical” business. Again, this may sound odd, but one of the biggest mistakes made by people when they set up their online business is that they don’t put the same effort into the planning or the setting out of their offering; they ignore the need for defined customer service standards and they foolishly think an online business will promote itself! They couldn’t be further wrong. Only too many online businesses fail because their owners fail to plan. Don’t be caught in this trap. Plan, plan, plan.3. Decide on a name for your business. Once you’ve planned your business with a fine tooth comb, you can then get down to the more exciting details like what you want to call your business. The name of your business might reflect what you’re planning to offer; it might speak about you personally or it might be something totally “off the wall”. Either way it’s really important when deciding the name of your business that you make sure that the corresponding domain name is available. There’s no point in thinking up a great name for your online business only to discover that someone else has already registered the domain name.4. Plan your business promotion. Although we’ve already touched on planning in point 2. above, planning the promotion of your business deserves a mention in its own right. If you think about it, opening an online business is a bit like opening a back street shop in a residential area of a huge city if you don’t promote it. In other words, if you don’t promote your online business, the only people likely to visit it are people you tell about it and people who stumble over it by accident. This simply isn’t enough to make your business work. You must decide how you will promote your business both on and off-line. Online, you may decide to invest in a Google or Facebook AdWords campaign; you may decide that linking to networks is the way to go; or you might opt for search engine optimisation. Offline, traditional advertising, flyers, vehicle markings and business cards can be great ways to promote your online business. Either way you need a promotional plan. You need to be able to measure whether or not your promotion is working and most importantly you need to know that you have the budget to make your promotion work.5. Design your website and make hosting arrangements. Once you’ve planned your online business and secured your domain name, it’s time to start planning how your online presence will look. There is any number of website options, from free templates, to content managed sites, to highly sophisticated, design-led solutions. When you choose your website style, you need to make sure it fits your budget (of course), but you also need to make sure it is appropriate for your business and suits your business needs now and has the flexibility to suit your needs in the future. Bad website design decisions can be costly, so don’t ever allow yourself to be pushed into something you’re not certain about by a forceful website designer! Once you have your website design sorted out, your website will need to be hosted. Again there is any number of hosting solutions to choose from, but make sure that your selected host is reliable and reasonably priced.6. Write or get great content. At one time, any website was better than no website at all. This is no longer the case and now it’s not just the look of the site that will set your online business apart from the competition. What your site says; how it speaks to the visitor and how it describes your offering are now more important than ever. At a basic level, at least make sure you don’t have spelling or typing errors, but ideally hire a pro to write your copy. They know what they’re doing and needn’t cost an arm and a leg.7. Get the detail right. Once you’ve got your domain name, your hosting and your website design well planned, you need to decide if you will accept online payments and if so, how. Will accepting online payments help people decide to buy from you? If so, it’s an important addition to your site. The likes of PayPal offers secure, easy to operate online payment even for small traders. Another detail you will need to consider if you are selling products online is delivery and packing. Will you use the postal system or would a courier be cheaper and or better? Do you have all the necessary packing to deliver your product in a professional way that shows your business in the right light? Really brainstorm the detail before you go live.8. Cross the T’s and dot the I’s. As with any other business, an online business requires the same attention to detail, like getting your right bank account sorted out; knowing your tax obligations; understanding all the legal implications of your chosen business and of course organising your accountancy. So make sure you don’t get caught out by red tape.So all in all, an online business can be a great opportunity to secure your financial future and at the same time free you from your 9 to 5 lifestyle, but don’t go into it lightly! Follow our guidelines, do your own research, plan, plan, plan and enjoy the experience. </p>]]></content:encoded> <wfw:commentRss>https://bzqnoms.info/how-to-start-up-your-own-online-business/feed/</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Accounts Receivable Financing – Options for Growing Companies</title> <link>https://bzqnoms.info/accounts-receivable-financing-options-for-growing-companies/</link> <comments>https://bzqnoms.info/accounts-receivable-financing-options-for-growing-companies/#comments</comments> <pubDate>Thu, 11 May 2023 17:18:42 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <category><![CDATA[basic finance]]></category> <category><![CDATA[finance]]></category> <category><![CDATA[finance basics]]></category> <category><![CDATA[finance books]]></category> <category><![CDATA[finance bros]]></category> <category><![CDATA[finance career]]></category> <category><![CDATA[finance degree]]></category> <category><![CDATA[finance frauds]]></category> <category><![CDATA[finance kya hai]]></category> <category><![CDATA[finance major]]></category> <category><![CDATA[finance meaning]]></category> <category><![CDATA[finance news]]></category> <category><![CDATA[finance shorts]]></category> <category><![CDATA[finance stock]]></category> <category><![CDATA[finance with sharan]]></category> <category><![CDATA[fix finances]]></category> <category><![CDATA[fix my finance]]></category> <category><![CDATA[learn finance]]></category> <category><![CDATA[mba finance]]></category> <category><![CDATA[mba finance jobs]]></category> <category><![CDATA[mba in finance]]></category> <category><![CDATA[personal finance]]></category> <category><![CDATA[public finance]]></category> <category><![CDATA[raga finance]]></category> <category><![CDATA[study finance]]></category> <category><![CDATA[what is finance]]></category> <category><![CDATA[yahoo finance]]></category> <category><![CDATA[yahoo finance premium]]></category> <guid isPermaLink="false">http://bzqnoms.info/?p=52</guid> <description><![CDATA[Every business has one thing in common and that is the need for cash. Even charitable organizations need a steady and constant flow of donations in order to keep the lights burning. Cash flow is simply the grease that lubricates … <a href="https://bzqnoms.info/accounts-receivable-financing-options-for-growing-companies/">Continue reading <span class="meta-nav">→</span></a>]]></description> <content:encoded><![CDATA[<p> Every business has one thing in common and that is the need for cash. Even charitable organizations need a steady and constant flow of donations in order to keep the lights burning. Cash flow is simply the grease that lubricates the machine and allows it to function properly, but when the machine runs dry it can slow down or grind to halt causing pain and misery for those working in it.Shangri La for any business (and their bankers) is when cash flow becomes so predictable that the business seems to run itself and profits are at a level that supports the owner’s lifestyle well beyond his actual needs.What about the company that is on a growth trajectory and is pouring every cent back into the company to support its growth and pursuit of new business? The orders are coming in at a faster and faster pace which should be a good thing and new customer relationships are being formed which should lead to a solid stream of new orders in the future. So what’s the problem you ask? The problem is when you get an order you have to purchase materials and pay people to fill the order. For example, it may take 14 days or longer from the time the order comes in until the product is shipped, and you have not yet received any payment from the customer. Once the product ships and the invoice is created, your customer has 30 days to make payment and in all this time you have not received a penny, yet you had to meet payroll 3 times, purchase materials, and pay for the other items necessary to run your business. So even though the growth seems great, you are feeling the cash flow crunch of keeping up with orders as they accelerate in number and perhaps even size.Your banker hears your story and he gives you a line of credit that seems small but you’ll take it because you need every penny right now and you don’t want to upset a customer by turning them away or shipping late due to a cash flow issue. This line of credit gives you some temporary relief which you needed but you already see the trouble ahead if the growth continues. That’s right, you max out the credit line to get caught up and fill orders but can barely meet the minimum payments required by the bank.But how can this be since the company is growing so much and revenues keep increasing? Well it all goes back to the fact that it takes you at least 45 days to get paid from the time the order comes in, and that is if all your customers are paying on time. With some quick analysis you may discover that your “turn” is something approaching 60 days or even beyond. Ask any of your employees if they would wait 60 days for a paycheck! (Actually, I take that back, do not ask since they may think something is wrong with the company and walk out.) For a mature company with a slow growth rate the waiting period is not a problem since they will simply access their line of credit and pay it down as their invoices are paid without the worry of unexpected or unpredictable orders. In addition they will also be taking advantage of quick pay discounts from their suppliers. Missing supplier discounts can be no small deal since I personally know of a distributor who takes the savings from quick pay discounts as his annual bonus since he sees it as a reflection of his good management. This amounts to a few hundred thousand dollars per year for this owner. Not to shabby for saving 2% from his suppliers on products that were already planned for purchase. For a growing company, missing the opportunity to save 2% from supplier can be very painful, as the need for cash increases with each new order yet you are still waiting for payment from previous orders and the line of credit at the bank is maxed out.The bank really does not like this scenario because they view it as a management problem and therefore a risk issue. You have taken short term money (bank line of credit) and turned it into long term financing by maxing out your line with no real hope of paying it back or down anytime soon even if the bank has a clean-up provision, which would require you to pay the line off annually. The bad news is simply this: Banks don’t like you. Banks think you are too risky because with strong growth you might blow-up at any second. It’s as if bankers had a choice they would never board an airplane until it had leveled off at 30,000 feet and would parachute out before the initial decent thus avoiding the risks associated with fast acceleration at take-off and the possibility of a hard or crash landing. Of course this is hyperbole when I say they don’t like you when the reality is they simply just prefer to lend to mature companies. They understand your situation and know most companies have to go through growth cycles to reach maturity, they just don’t want to participate in the risk. Your banker is your friend he is just a friend that does not like you right now but you should continue to pursue a strong relationship with your banker since it can be so much more meaningful than just a service provider who makes loans.So now what? You have orders piling up, a maxed out credit line, a banker who wants his money back and won’t lend more, discounts you are unable to take advantage of from suppliers, another payroll is due and the bank account is looking a little thin. Do not despair because you have the most important asset in the business world, and that of course is your customers and their orders that result in invoices. You are now a candidate for cash flow financing. In fact, you were a candidate before it got this serious, but this scenario helps illustrate the point. You have a growing asset on your balance sheet and that is your accounts receivable, but you cannot feed your family on invoices, only cash will solve that problem. So we need to liquidate your accounts receivable and move it to the cash column and one of the easiest ways to this is by selling them.In today’s financial marketplace you have several choices when it comes to cash-flow financing. I have already touched on the most traditional form and that is a bank line of credit secured by your account receivables or in some cases it may be an unsecured line with only your signature to back it up. Next you have bank sponsored accounts receivable financing which will vary somewhat from bank to bank with most banks not offering this type of financing except through a third party partner. This could be a viable option for the business I have discussed here and it would look something like this:Transaction sizes are typically: $10,000 – $5,000,000Advances: up to 90% of eligible accounts receivableServices (will vary): customer credit reviews both new and existingInvoice processing and mailingCollection ServicesManagement Reports provided to youFees: Typically 1-3% of the invoice depending on size and your average turn.Operationally you generate one or more invoices and send them to the bank daily in batches and they fund your account at 90% of the total invoice amount within 24hours. Bam! Instead of waiting 30 or more days for your customer to make payment you receive 90% of your money immediately. You have just accelerated your cash flow to within 24 hours and can now use that money to make payroll, take advantage of supplier discounts, purchase inventory, and INCREASE SALES without fear of customer credit issues or late payments. Essentially what you have done is outsource your accounts receivable management process all while getting paid in 24 hours.What happens to the other 10%? This money is usually held in reserve against any unpaid invoices. For example, if you have an outstanding invoice of $1000 that your customer fails to pay within 90-120 days, the bank will use the reserve to receive payment and then try to collect on the account. So the reserve protects both you and the bank by allowing the bank to get paid back and preventing you from having to write a check to the bank because one of your customers failed to pay their invoice.There is a product called Business Manager that works in a similar fashion and is available in a few hundred community banks around the country. Business Manager is a program that allows community banks to purchase the accounts receivable of their commercial and industrial clients while monitoring the performance of those accounts. It is a powerful program for both banks and business with the funding percentage, fees and reserves typically about the same as in the previous example. For the sake of full disclosure, I used to work for the company that created the Business Manager program. I still think it is a great program, especially for small businesses because it allows you to maintain a bank relationship prior to reaching that mature cycle and graduating on to more traditional financing solutions all while receiving funding in 24hours and online access to your reports.Next we have traditional factoring. This is where you sell your invoices to a funding source (the factor) at a discount in return for immediate cash. Advances are typically in the 70% to 95% range of eligible invoices and fees will vary. Often there is no reserve account, instead the factor receives payment directly from your customer and pays you the 5% to 30% remaining minus the fees for the factor. Some factors place a stamp right on the invoice to show the change of address of where payments are to be made and others are able to do it silently by having an overall change of address and payment sent to a lock box. Most businesses prefer the factor to remain silent if possible, so you will want to check with the individual company. In addition, factors can provide funding to companies in the start-up stage to $100,000,000 in sales or more. This is because they are not concerned about your credit, but that of your customers. They will also want invoices that are verifiable and to know that you and your team are solid managers and experienced in your industry. In fact your company may be in a turn-around situation or bankruptcy and a factor may still provide funding because they are looking at your customer, not you.Besides providing funding, a factoring company can also become your outsourced credit department. They will check customer credit quality; set customer credit limits; and provide daily monitoring of credit accounts. In many, if not most cases, today you will have real time access to reports such as accounts receivable aging, collection, and reserve reports. This gives you the ability to monitor your invoices and the average turn which should be decreasing at this point. The factor will also provide collection services and these will vary from company to company with some allowing for customization of the collections process.The common thread between the different programs available is the conversion of your account receivables to cash by a funding source, whether it’s a bank or private entity. Check the exact terms and fees and be sure to be aware of what your responsibilities will be to the funding source. Cash flow financing may provide the needed solution for growing companies or companies that need a cash injection to make it through a turn-around. </p>]]></content:encoded> <wfw:commentRss>https://bzqnoms.info/accounts-receivable-financing-options-for-growing-companies/feed/</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Online Health Care Schools and the Training Possibilities</title> <link>https://bzqnoms.info/online-health-care-schools-and-the-training-possibilities/</link> <comments>https://bzqnoms.info/online-health-care-schools-and-the-training-possibilities/#comments</comments> <pubDate>Sat, 18 Mar 2023 08:17:40 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <guid isPermaLink="false">http://bzqnoms.info/?p=50</guid> <description><![CDATA[When pursuing a professional career you can begin by learning about online health care schools and the training possibilities. Accredited higher education and distance learning programs can provide the training that is needed for you to pursue your dream occupation. … <a href="https://bzqnoms.info/online-health-care-schools-and-the-training-possibilities/">Continue reading <span class="meta-nav">→</span></a>]]></description> <content:encoded><![CDATA[<p> When pursuing a professional career you can begin by learning about online health care schools and the training possibilities. Accredited higher education and distance learning programs can provide the training that is needed for you to pursue your dream occupation. Before selecting an online school to enroll in, you should make sure that you have obtained all the information necessary to choose the correct career training path. There are numerous possibilities when it comes to preparing for a future in health care.Option 1Associate degrees can be obtained through accredited online health care schools to help you pursue an entry level career. This level of training can be completed to help you enter into areas like health education, sciences, and more. Choosing to obtain an associate degree will help you learn a number of specialized skills by providing training in a number of topics. You can obtain this degree by completing two years of accredited schooling, or further your education by pursuing a higher degree.Option 2The second option that is available through online learning is a bachelor level degree. You can spend approximately four years training at this level. Accredited online health care schools can prepare you for work as a health information technician, physician assistant, and other occupations. The coursework that will be provided will depend on the path you choose to follow and the profession you decide to enter. Training can be continued at the master degree level if you wish.Option 3Pursuing a master degree in health care through an online school will provide you with a number of career prospects. You can learn to work in health information, physician assisting, public health, health sciences, and much more. In order to receive a degree at this level, you will need to complete a total of six years of training. Online training will cover different topics that are relevant to the career you will be entering into. You can study at the doctoral degree level once you receive a master level degree.Option 4The fourth option that is available to you in health care is to obtain an online doctorates degree. This can be done by choosing an accredited school or college and completing the required training. Training typically takes eight years for completion and can help you enter a career as a health information technician, educator, and medical professional, or other occupation. Accredited training through distance learning can help you gain the skills for success by allowing you to study various coursework at your convenience.The coursework that will be covered through online training can vary depending on the career and degree that you wish to pursue. There are a number of areas that must be covered for all levels of training and careers. You can study online for behavioral sciences, environmental health, nutrition, anatomy, and more. In the health care field some programs may require hands on training in addition to online schooling, due to the depth of the subject. Some hands on training may include the study of physical therapy, exercise, wound care, and more.When looking to receive a higher education you can enroll in an accredited online health care school or college. It is important to enroll in a program that is fully accredited by an agency like the Distance and Education Training Council ( http://www.detc.org/ ), to ensure that a quality education will be obtained. You can begin by looking into the different opportunities and learning more from the schools that offer training.DISCLAIMER: Above is a GENERIC OUTLINE and may or may not depict precise methods, courses and/or focuses related to ANY ONE specific school(s) that may or may not be advertised at PETAP.org.Copyright 2010 – All rights reserved by PETAP.org. </p>]]></content:encoded> <wfw:commentRss>https://bzqnoms.info/online-health-care-schools-and-the-training-possibilities/feed/</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Marketing Theory Without Execution: An Idea With No Follow-Through</title> <link>https://bzqnoms.info/marketing-theory-without-execution-an-idea-with-no-follow-through/</link> <comments>https://bzqnoms.info/marketing-theory-without-execution-an-idea-with-no-follow-through/#comments</comments> <pubDate>Fri, 17 Mar 2023 16:41:01 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <guid isPermaLink="false">http://bzqnoms.info/?p=48</guid> <description><![CDATA[An ongoing debate exists in the marketing industry that begs the following question: Is it more important to devise a marketing strategy or to execute actions to achieve your goal?There are good arguments all the way around this debate, but … <a href="https://bzqnoms.info/marketing-theory-without-execution-an-idea-with-no-follow-through/">Continue reading <span class="meta-nav">→</span></a>]]></description> <content:encoded><![CDATA[<p> An ongoing debate exists in the marketing industry that begs the following question: Is it more important to devise a marketing strategy or to execute actions to achieve your goal?There are good arguments all the way around this debate, but when it comes down to it, the answer is really… neither. You simply can’t be successful without either one.The problem, however, is that many companies, consultants, and marketers do a lot of “theory” and talking, without taking it beyond that. They can sit around and discuss all the latest marketing tactics and even try to put them in place, but in the end, it’s all for naught if they don’t develop a solid strategy and execution steps to make it work for their business.It’s like school-you can sit in a classroom and learn all the information and theory that is taught to you, but what good is it unless you can apply it in real life? We all know this, but as marketers, we forget that it works the same way. Understanding theory is helpful, but you need to know how to develop a strategy and execute that strategy to actually see results.From Marketing Theory to Strategy & Execution<br />Successful marketing is really a 3-part process that involves following sound marketing theories, creating a detailed strategy, and executing that strategy. Let’s look at each of these steps in more detail.Follow Sound Marketing Theory<br />Marketing theory is the science of marketing. It’s the “rules” and guidelines we follow. It’s the methods we use to form our strategies.Marketing theory can lead to strong marketing strategies, but too often, we get stuck on the former. We might feel as though we are getting things done by talking and learning about various types of marketing theory, but in essence, we are just spinning our wheels.Mike Roach, CEO of CGI, was quoted as saying, “Strategy without execution is a hallucination!” If that is true, then marketing theory without strategy and execution is psychosis. It’ll get you nowhere.Create a Detailed Marketing Strategy<br />According to strategy-business.com, a strategy is “the series of choices you make on where to play and how to win to maximize long-term value. Execution is producing results in the context of those choices.”Your marketing strategy is your map. It’s like a light shining in the darkness, guiding every decision you make. Without it, you’re driving in the dark without headlights, expecting to find your destination and not crash in the process.Your strategy shines a light on the road ahead, making it clear when you could veer off a path and driving you forward in the right direction. With it, you’re able to work your way around your obstacles, follow your objectives, and illuminate the choices that will get you to your goal efficiently.According to the Small Business Association, only about 50% of small businesses succeed within the first 5 years. It’s not that businesses don’t have some sort of plan in place; the problem is that most small businesses don’t have a clue how to map out a plan that will lead them to success.They don’t have a strategy that is based on sound evidence, data, and experience. Instead, they read a lot of marketing theory and try a lot of different things.That is not the same thing as having a strategy.Without a sound strategy, companies struggle to keep up with their competition, they miss opportunities that would lead to better results, and they win fewer customers.Execute Your Marketing Strategy<br />Execution is what seals the deal. Without it, no strategy will be realized, which is why it’s crazy that so many companies create a business plan and then file it away in a binder on a dusty shelf.We know that we can’t get anywhere in business or life if we don’t take action, so too often we find ourselves spinning our wheels moving from idea to idea. We’re taking action, but it has no real strategy behind it.When we skip over strategy and start executing based upon abstract marketing theory, we’re shooting in the dark hoping we hit something, but we rarely hit the thing we want to hit. Unfortunately, that’s what too many companies are doing.We should use marketing theory to inform our decisions and help us plan our strategy, and when we do that, our execution will be solid.Why Companies Struggle with Marketing Strategy & Execution<br />There are so many reasons why it’s easy for companies to struggle with strategy and execution…Where to Start?<br />Right off the bat, it can be downright scary to figure out where to start when it comes to drawing up a strategy and executing it to success. Digital marketing has become more and more complicated as new technologies and opportunities keep cropping up.With so many options, how can companies choose? How do you know which marketing ideas to subscribe to and which ones to ignore? Just because one marketing theory works for one company or even thousands of companies doesn’t necessarily mean it will work for another company.How to Maneuver the Marketing Paradox of Consistency & Change?<br />The fact that marketing is ever changing makes it that much more difficult to execute a sound strategy. How do you know where to place your time, money, and energy? And what if you put all that effort into 1 or 2 marketing tactics and then they lose their effectiveness?How do you create something concrete that is ever changing? How do you know when to be flexible and change your marketing plan versus when to stay steadfast? After all, remaining consistent is essential when it comes to digital marketing, but so is changing with the times. It’s a paradox that can be difficult to maneuver.How to Know (Not Just Guess at) Who Your Customers Are?<br />Most companies don’t spend enough time discovering who exactly their customers are to be able to draft a marketing strategy that will lead them to success. It takes customer data, assessments, feedback, and a lot of investigation to really get to know your customer, but knowing how to compile all of that information can be overwhelming.Since different marketing tactics should be used for different customers, knowing this is essential, but too many companies guess at who their customer is rather than knowing them in depth.How to Bring It into the Everyday Details?<br />Understanding how to integrate your business plan into daily work is not as easy as it might seem. As a result, decisions are often made without the consultation of the marketing strategy, and that means they are not likely to be in alignment with the strategy.Methods need to be put in place for sharing the company’s marketing strategy with all team members and keeping them on the same page. This ensures the company’s message and interactions are carried out consistently. Expectations and follow-through need to be set up so that there is no duplication, which only leads to wasted time and money. Every decision should be made with the strategy in mind.How to Not Let Everything Else Get in the Way?<br />Especially for small companies, one thing or another can come up that gets the business owner off track, and unfortunately, when that happens, marketing tends to move to the back burner. Unless time is dedicated to each and every week to working a marketing strategy, forward movement in business is highly unlikely.The Solution<br />Look, here’s the bad news… For most small businesses, overcoming all of the obstacles that get in the way of creating and executing a sound marketing strategy is not really feasible. Without an in-house marketing team that is skilled and dedicated to marketing planning and execution, it is understandably difficult.But here’s the good news… That’s why most small businesses turn to marketing experts for assistance, and when they do, their business explodes.It is so important to partner with a company that can do more than just talking about marketing theory. Your marketing partner needs to be able to come up with a solid strategy and determine which tactics will best fit that strategy for your unique business.By moving from a marketing theory focus on a strategy/execution focus, you can move past your obstacles and charter the course to success. </p>]]></content:encoded> <wfw:commentRss>https://bzqnoms.info/marketing-theory-without-execution-an-idea-with-no-follow-through/feed/</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Global Plastic Market Recycling – A Change to Improve Global Environmental Outcomes</title> <link>https://bzqnoms.info/global-plastic-market-recycling-a-change-to-improve-global-environmental-outcomes/</link> <comments>https://bzqnoms.info/global-plastic-market-recycling-a-change-to-improve-global-environmental-outcomes/#comments</comments> <pubDate>Fri, 17 Mar 2023 15:09:54 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <guid isPermaLink="false">http://bzqnoms.info/?p=45</guid> <description><![CDATA[Due to the continuous increase in global warming caused by the human induced emissions, it is evident that burning of oils and fossil fuels is escalating the change in climate, causing a major threat to the environment, and living beings. … <a href="https://bzqnoms.info/global-plastic-market-recycling-a-change-to-improve-global-environmental-outcomes/">Continue reading <span class="meta-nav">→</span></a>]]></description> <content:encoded><![CDATA[<p> Due to the continuous increase in global warming caused by the human induced emissions, it is evident that burning of oils and fossil fuels is escalating the change in climate, causing a major threat to the environment, and living beings. Plastic contributes to a large extent in diffusing greenhouse gases into the atmosphere thereby, altering the ozone layer, which is resulting in excessive heat, loss of cloud forests, melting of glaciers and upsurge in sea levels. So, what measures can be taken to reduce plastic pollution?For many years, the global temperature of the planet was intact until new technologies stepped in, resulting in an enormous change in the environment. It is a high time that the recycling of plastic on large scale should be taken into consideration. As plastic is non-biodegradable, it provides a lot of opportunities for business as it can be both cost effective and environment friendly. Global plastic recycling market is expected to witness a healthy growth at a CAGR of 5.04% during the forecast years due to uprise in the demand for recycled plastic. Recovering plastic from scrap and waste and then converting it into useful products has been a major driver for many commercial industries as it is both environmentally and economically effective. Recycled plastic can be transformed into a wide range of products like carrier bags, watering cans, wheel arch liners, car bumpers, damp proof membranes, construction materials, reusable crates, bins, composite pit, food trays, water bottles and different clothing fabrics providing a large scope for plastic industries to make a good fortune. The global plastic recycling market is driven by increasing inclination towards recycled plastics over virgin plastics because of the pollution caused by the plastics when disposed in oceans or other water bodies. In addition to this, energy saved during the production of recycled plastics is positively impacting the growth of the market. Furthermore, ongoing research activities in order to find an effective method of recycling plastic waste all around the world is expected to bolster the growth of market over the next few years. In terms of end-use industry, the plastic recycling industry is categorized into packaging, building & construction, textile, automotive, electrical & electronics and others. Out of which, the packaging industry held the largest market share among all the end-use industries in the global market for plastic recycling. Asia Pacific and North America have emerged to be the largest generators and recyclers of plastic waste. Dominance of Asia Pacific region can be attributed to the chemical and mechanical industry. The Initiative of limiting the use of plastic through financial disincentives has shown results and brought drastic changes in consumer behaviour. China, Japan and India, accounted for over one-fourth of total plastic waste recycled worldwide in previous years.Some highly used different types of plastics are: 1. Polyethylene Terephthalate (PET)PET is a colorless, lightweight and strong plastic. It is a widely used plastic and is easily available in the market in the form of bottles, polyester clothes, medicines and jars. According to the Food and Drug Administration, PET is safe and can be easily recycled. Asia Pacific region holds the maximum share in production of PET worldwide which is anticipated to surge the market globally in upcoming years.2. High-Density Polyethylene (HDPE)Out of all the Polyethylenes, HDPE is classified as the most versatile plastic available with numerous applications. Being strong in nature, qualifies HDPE to be compatible for building materials, large containers and piping. Rise in the demand of recycled plastic in construction sector is a major drive boosting the plastic recycling market in China.3. Polyvinyl Chloride (PVC or Vinyl)PVC comes under the third most multifaceted plastics due to its hard and inflexible nature. It is widely used in medical, construction and electrical industries and its property of being resistant to germs makes it highly useful for the medical industry. Demand of PVC in the pipelines industry is also driving the plastic recycling market worldwide.4. Polypropylene (PP)PP is one of the heavy-duty and long-lasting plastics. It can resist high temperature, which makes it ideal for many applications, specifically in food and beverage industries. It is a strong plastic and is less flexible and thus, retains its shape after some time. DVDs, hot food containers, storage boxes are made up of Polypropylene (PP). The plastic recycling market in Spain is expected to grow at an impressive rate on account of growing awareness among the population pertaining to plastic waste disposal.5. Polystyrene (PS) PS, also known as Styrofoam, is an eco-friendly plastic which is transparent and brittle in nature. Usually, PS is used for a short term and can be potentially dangerous for humans as it can release neurotoxins which can hamper the nervous system. PS is cost effective and is made safe for the market use and is used for making cutleries, food containers, building insulations, etc. Canada is expected to witness a rise in the PS industry in the upcoming years.What is the current market potential of the global plastic recycling? The plastic recycling market is highly fragmented with more than 25000 players operating globally in the market. Asia Pacific market is estimated to grow at a strong rate during the forecast period as the region has become a manufacturing hub for chemical & petrochemicals, pharmaceuticals, food processing, medical and electronics equipment. Dominance of Asia-Pacific in global plastic recycling market can be attributed to growing awareness of recovery of main polymers through mechanical and chemical recycling.What is causing a Major drive in the global plastic recycling market? The global plastic recycling market is driven by increasing inclination towards recycled plastic over virgin plastic because of water pollution caused by the plastics when disposed in oceans or other water bodies. Ongoing research activities in order to find an effective method of recycling plastic waste all around the world is expected to bolster the growth of market over the next few years. Governments are increasingly mandating that plastic bottles must be made from at least 25% recycled plastic by 2025 and 30% by 2030. The consistently growing demand for recycled plastic products on account of expanding packaging industry across the globe is spurring demand for plastic recycling. Increasing number of construction and infrastructure projects across the globe is also boosting the demand for polymers in a wide range of applications such as an window glass, etc.Which region holds the highest share in the global plastic recycling market?APAC region holds the maximum share of the global plastic recycling market. In 2019, China plastics industry accounted for 26% share in global production of plastics. For many years, China received the bulk of scrap plastic from various countries such as United States, Germany, Japan, Australia, etc., processing much of it into a higher quality material that could be used by manufacturers. In 2018, China imposed ban on imports of plastic waste and closed its doors to almost all foreign plastic waste, as well as many other recyclables, to protect the local environment and air quality and to further boost its domestic plastic recycling market.What is the current market landscape for the global plastic recycling? The key players are considering the rise in demand for plastic recycling by various industries to be the major driving factor for the market in the forecast period. The major companies are focusing on innovation and research & development (R&D) to create durable and better products and attain a competitive edge over the other big players.What are the challenges faced by the global plastic recycling market?Due to onset of COVID-19, disruptions in business cycles are bound to impact the demand across all core industries, globally. Severity of pandemic is compounded by the fact that many industries are operating at reduced capacity, consequently lowering the number of employees as well. The reduced number of workers will create a challenge for industrial plastic product manufacturers to fulfill the demand from end user industries. The ban on import of plastic waste for treatment and reprocessing in China has caused a huge crisis among major exporting countries. Moreover, with declining and shrinking plastic waste exporting market, the governments of various nations in Europe and Asia are focusing on recycling plastic and producing re-usable plastic products.Some of the major companies in the global plastic recycling market include Covanta Energy Asia Pacific Holdings Ltd., SUEZ NWS limited, The shakti Plastic Industries, Eco Wise Waste Management Pvt Ltd, Cleanaway Melbourne, Sapporo Plastic Recycle KK, DH Recycling Ltd, Veolia Indonesia, IAV Global, Poly Pipe Recyclers, Polystar Machinery Co Ltd.Conclusion: Global Plastic Recycling Market is expected to witness a healthy growth during the forecast years due to rise in the demand for recycled plastic for various applications and manufacturing of recycled products such as carrier bags, watering cans, damp proof membranes, construction materials, reusable crates, bins, composite pit, food trays, water bottles. The disruption in overall import and export of plastic waste due to COVID-19 across several countries is expected to lead to decline in the total recycled plastic waste in 2020. Over the past few years, it has been observed that more and more companies are taking a pledge towards the reduction of plastic waste and shifting to 100% recyclable packaging. This wave of enthusiasm and awareness is augmenting demand for plastic recycling, globally, and encouraging the companies to establish plastic recycling facilities. </p>]]></content:encoded> <wfw:commentRss>https://bzqnoms.info/global-plastic-market-recycling-a-change-to-improve-global-environmental-outcomes/feed/</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Landscape of the Last 20 Years’ Infrastructural Financing in India</title> <link>https://bzqnoms.info/landscape-of-the-last-20-years-infrastructural-financing-in-india/</link> <comments>https://bzqnoms.info/landscape-of-the-last-20-years-infrastructural-financing-in-india/#comments</comments> <pubDate>Thu, 09 Feb 2023 09:35:37 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <category><![CDATA[finance]]></category> <guid isPermaLink="false">http://bzqnoms.info/?p=43</guid> <description><![CDATA[In this article following two major points are discussed to understand the whole scenario.(1) Trend and Initiative of the Budgetary Support and Institutional Borrowings -The system of managing and financing infrastructural facilities has been changing significantly since the mid-eighties. The … <a href="https://bzqnoms.info/landscape-of-the-last-20-years-infrastructural-financing-in-india/">Continue reading <span class="meta-nav">→</span></a>]]></description> <content:encoded><![CDATA[<p> In this article following two major points are discussed to understand the whole scenario.(1) Trend and Initiative of the Budgetary Support and Institutional Borrowings -The system of managing and financing infrastructural facilities has been changing significantly since the mid-eighties. The Eighth Plan (1992-97) envisaged cost recovery to be built into the financing system. This has further been reinforced during the Ninth Plan period (1997-2002) with a substantial reduction in budgetary allocations for infrastructure development. A strong case has been made for making the public agencies accountable and financially viable. Most of the infrastructure projects are to be undertaken through institutional finance rather than budgetary support. The state level organisations responsible for providing infrastructural services, metropolitan and other urban development agencies are expected to make capital investments on their own, besides covering the operational costs for their infrastructural services. The costs of borrowing have gone up significantly for all these agencies over the years. This has come in their way of their taking up schemes that are socially desirable schemes but are financially less or non-remunerative. Projects for the provision of water, sewerage and sanitation facilities etc., which generally have a long gestation period and require a substantial component of subsidy, have, thus, received a low priority in this changed policy perspective.Housing and Urban Development Corporation (HUDCO), set up in the sixties by the Government of India to support urban development schemes, had tried to give an impetus to infrastructural projects by opening a special window in the late eighties. Availability of loans from this window, generally at less than the market rate, was expected to make state and city level agencies, including the municipalities, borrow from Housing and Urban Development Corporation. This was more so for projects in cities and towns with less than a million populations since their capacity to draw upon internal resources was limited.Housing and Urban Development Corporation finances even now up to 70 per cent of the costs in case of public utility projects and social infrastructure. For economic and commercial infrastructure, the share ranges from 50 per cent for the private agencies to 80 per cent for public agencies. The loan is to be repaid in quarterly installments within a period of 10 to 15 years, except for the private agencies for whom the repayment period is shorter. The interest rates for the borrowings from Housing and Urban Development Corporation vary from 15 per cent for utility infrastructure of the public agencies to 19.5 per cent for commercial infrastructure of the private sector. The range is much less than what used to be at the time of opening the infrastructure window by Housing and Urban Development Corporation. This increase in the average rate of interest and reduction in the range is because its average cost of borrowing has gone up from about 7 per cent to 14 per cent during the last two and a half decade.Importantly, Housing and Urban Development Corporation loans were available for upgrading and improving the basic services in slums at a rate lower than the normal schemes in the early nineties. These were much cheaper than under similar schemes of the World Bank. However, such loans are no longer available. Also, earlier the Corporation was charging differential interest rates from local bodies in towns and cities depending upon their population size. For urban centres with less than half a million population, the rate was 14.5 per cent; for cities with population between half to one million, it was 17 per cent; and a huge number of cities, it was 18 per cent. No special concessional rate was, however, charged for the towns with less than a hundred or fifty thousand population that are in dire need of infrastructural improvement, as discussed above.It is unfortunate, however, that even this small bias in favour of smaller cities has now been given up. Further, Housing and Urban Development Corporation was financing up to 90 per cent of the project cost in case of infrastructural schemes for ‘economically weaker sections’ which, too, has been discontinued in recent years.Housing and Urban Development Corporation was and continues to be the premier financial institution for disbursing loans under the Integrated Low Cost Sanitation Scheme of the government. The loans as well as the subsidy components for different beneficiary categories under the scheme are released through the Corporation. The amount of funds available through this channel has gone down drastically in the nineties.Given the stoppage of equity support from the government, increased cost of resource mobilisation, and pressure from international agencies to make infrastructural financing commercially viable, Housing and Urban Development Corporation has responded by increasing the average rate of interest and bringing down the amounts advanced to the social sectors. Most significantly, there has been a reduction in the interest rate differentiation, designed for achieving social equity.An analysis of infrastructural finances disbursed through Housing and Urban Development Corporation shows that the development authorities and municipal corporations that exist only in larger urban centres operate have received more than half of the total amount. The agencies like Water Supply and Sewerage Boards and Housing Boards, that have the entire state within their jurisdiction, on the other hand, have received altogether less than one third of the total loans. Municipalities with less than a hundred thousand population or local agencies with weak economic base often find it difficult to approach Housing and Urban Development Corporation for loans. This is so even under the central government schemes like the Integrated Development of Small and Medium Towns, routed through Housing and Urban Development Corporation, that carry a subsidy component. These towns are generally not in a position to obtain state government’s guarantee due to their uncertain financial position. The central government and the Reserve Bank of India have proposed restrictions on many of the states for giving guarantees to local bodies and para-statal agencies, in an attempt to ensure fiscal discipline.Also, the states are being persuaded to register a fixed percentage of the amount guaranteed by them as a liability in their accounting system. More importantly, in most of the states, only the para-statal agencies and municipal corporations have been given state guarantee with the total exclusion of smaller municipal bodies. Understandably, getting bank guarantee is even more difficult, specially, for the urban centres in less developed states and all small and medium towns.The Infrastructure Leasing and Financial Services (ILFS), established in 1989, are coming up as an important financial institution in recent years. It is a private sector financial intermediary wherein the Government of India owns a small equity share. Its activities have more or less remained confined to development of industrial-townships, roads and highways where risks are comparatively less. It basically undertakes project feasibility studies and provides a variety of financial as well as engineering services. Its role, therefore, is that of a merchant banker rather than of a mere loan provider so far as infrastructure financing is considered and its share in the total infrastructural finance in the country remains limited.Infrastructure Leasing and Financial Services has helped local bodies, para-statal agencies and private organisations in preparing feasibility reports of commercially viable projects, detailing out the pricing and cost recovery mechanisms and establishing joint venture companies called Special Purpose Vehicles (SPV).Further, it has become equity holders in these companies along with other public and private agencies, including the operator of the BOT project. The role of Infrastructure Leasing and Financial Services may, thus, be seen as a promoter of a new perspective of development and a participatory arrangement for project financing. It is trying to acquire the dominant position for the purpose of influencing the composition of infrastructural projects and the system of their financing in the country.Mention must be made here of the Financial Institutions Reform and Expansion (FIRE) Programme, launched under the auspices of the USAID. Its basic objective is to enhance resource availability for commercially viable infrastructure projects through the development of domestic debt market. Fifty per cent of the project cost is financed from the funds raised in US capital market under Housing Guaranty fund. This has been made available for a long period of thirty years at an interest rate of 6 percent, thanks to the guarantee from the US-Congress.The risk involved in the exchange rate fluctuation due to the long period of capital borrowing is being mitigated by a swapping arrangement through the Grigsby Bradford and Company and Government Finance Officers’ Association for which they would charge an interest rate of 6 to 7 percent. The interest rate for the funds from US market, thus, does not work out as much cheaper than that raised internally.The funds under the programme are being channelled through Infrastructure Leasing and Financial Services and Housing and Urban Development Corporation who are expected to raise a matching contribution for the project from the domestic debt market. A long list of agenda for policy reform pertaining to urban governance, land management, pricing of services etc. have been proposed for the two participating institutions. For providing loans under the programme, the two agencies are supposed to examine the financial viability or bankability of the projects. This, it is hoped, would ensure financial discipline on the part of the borrowing agencies like private and public companies, municipal bodies, para-statal agencies etc. as also the state governments that have to stand guarantee to the projects. The major question, here, however is whether funds from these agencies would be available for social sectors schemes that have a long gestation period and low commercial viability.Institutional funds are available also under Employees State Insurance Scheme and Employer’s Provident Fund. These have a longer maturity period and are, thus, more suited for infrastructure financing. There are, however, regulations requiring the investment to be channeled in government securities and other debt instruments in a ‘socially desirable’ manner. Government, however, is seriously considering proposals to relax these stipulations so that the funds can be made available for earning higher returns, as per the principle of commercial profitability.There are several international actors that are active in the infrastructure sector like the Governments of United Kingdom (through Department for International Development), Australia and Netherlands. These have taken up projects pertaining to provision of infrastructure and basic amenities under their bilateral co-operation programmes. Their financial support, although very small in comparison with that coming from other agencies discussed below, has generally gone into projects that are unlikely to be picked up by private sector and may have problems of cost recovery. World Bank, Asian Development Bank, OECF (Japan), on the other hand, are the agencies that have financed infrastructure projects that are commercially viable and have the potential of being replicated on a large scale. The share of these agencies in the total funds into infrastructure sector is substantial. The problem, here, however, is that the funds have generally been made available when the borrowing agencies are able to involve private entrepreneurs in the project or mobilise certain stipulated amount from the capital market. This has proved to be a major bottleneck in the launching of a large number of projects. Several social sector projects have failed at different stages of formulation or implementation due to their long payback period and uncertain profit potential. These projects also face serious difficulties in meeting the conditions laid down by the international agencies.(2) Trend and Initiative of the Borrowings by Government and Public Undertakings from Capital Market -A strong plea has been made for mobilising resources from the capital market for infrastructural investment. Unfortunately, there are not many projects in the country that have been perceived as commercially viable, for which funds can easily be lifted from the market.The weak financial position and revenue sources of the state undertakings in this sector make this even more difficult. As a consequence, innovative credit instruments have been designed to enable the local bodies tap the capital market.Bonds, for example, are being issued through institutional arrangements in such a manner that the borrowing agency is required to pledge or escrow certain buoyant sources of revenue for debt servicing. This is a mechanism by which the debt repayment obligations are given utmost priority and kept independent of the overall financial position of the borrowing agency. It ensures that a trustee would monitor the debt servicing and that the borrowing agency would not have access to the pledged resources until the loan is repaid.The most important development in the context of investment in infrastructure and amenities is the emergence of credit rating institutions in the country. With the financial markets becoming global and competitive and the borrowers’ base increasingly diversified, investors and regulators prefer to rely on the opinion of these institutions for their decisions. The rating of the debt instruments of the corporate bodies, financial agencies and banks are currently being done by the institutions like Information and Credit Rating Agency of India (ICRA), Credit Analysis and Research (CARE) and Credit Rating Information Services of India Limited (CRISIL) etc. The rating of the urban local bodies has, however, been done so far by only Information and Credit Rating Agency of India, that too only since 1995-96.Given the controls of the state government on the borrowing agencies, it is not easy for any institution to assess the ‘unctioning and managerial capabilities’ of these agencies in any meaningful manner so as to give a precise rating. Furthermore, the ‘present financial position’ of an agency in no way reflects its strength or managerial efficiency. There could be several reasons for the revenue income, expenditure and budgetary surplus to be high other than its administrative efficiency. Large sums being received as grants or as remuneration for providing certain services could explain that. The surplus in the current or capital account cannot be a basis for cross-sectional or temporal comparison since the user charges permitted by the state governments may vary.More important than obtaining the relevant information, there is the problem of choosing a development perspective. The rating institutions would have difficulties in deciding whether to go by measures of financial performance like total revenue including grants or build appropriate indicators to reflect managerial efficiency. One can possibly justify the former on the ground that for debt servicing, what one needs is high income, irrespective of its source or managerial efficiency. This would, however, imply taking a very short-term view of the situation. Instead, if the rating agency considers level of managerial efficiency, structure of governance or economic strength in long-term context, it would be able to support the projects that may have debt repayment problems in the short run but would succeed in the long run.The indicators that it may then consider would pertain to the provisions in state legislation regarding decentralisation, stability of the government in the city and the state, per capita income of the population, level of industrial and commercial activity etc. All these have a direct bearing on the prospect of increasing user charges in the long run. The body, for example, would be able to generate higher revenues through periodic revision of user-charges, if per capita income levels of its residents are high.The rating agencies have, indeed, taken a medium or long-term view, as may be noted from the Rating Reports of various public undertakings in the recent past. These have generally based their rating on a host of quantitative and qualitative factors, including those pertaining to the policy perspective at the state or local level and not simply a few measurable indicators.The only problem is that it has neither detailed out all these factors nor specified the procedures by which the qualitative dimensions have been brought within the credit rating framework, without much ambiguity.In recent time India has made significant progress in mobilizing private investment for infrastructure. Infrastructure finance nearly doubled in the last decade and is expected to grow further under the government’s 12th Plan (2012-17), which calls for investments in the sector of about US$ 1 trillion, with a contribution from the private sector of at least half.Still, it is not enough to draw final conclusion due to following reasons:(1) Meeting the ambitious targets fully, will be challenging in long run,<br />(2) Major changes are needed in the way banks appraise and finance projects,<br />(3) The government has taken a number of recent initiatives to expand private investment in infrastructure, but their impact has not yet been felt.But to consider last 20 years, the progress is steady and satisfactory enough. </p>]]></content:encoded> <wfw:commentRss>https://bzqnoms.info/landscape-of-the-last-20-years-infrastructural-financing-in-india/feed/</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Top Online Masters in Finance Programs</title> <link>https://bzqnoms.info/top-online-masters-in-finance-programs/</link> <comments>https://bzqnoms.info/top-online-masters-in-finance-programs/#comments</comments> <pubDate>Thu, 09 Feb 2023 04:52:33 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <category><![CDATA[finance]]></category> <guid isPermaLink="false">http://bzqnoms.info/?p=40</guid> <description><![CDATA[Most universities today offer the Masters in Finance as an option within the structure of the MBA program. Schools of business usually have several areas of concentration to choose from in the second year of a two year, full time … <a href="https://bzqnoms.info/top-online-masters-in-finance-programs/">Continue reading <span class="meta-nav">→</span></a>]]></description> <content:encoded><![CDATA[<p> Most universities today offer the Masters in Finance as an option within the structure of the MBA program. Schools of business usually have several areas of concentration to choose from in the second year of a two year, full time MBA course of study. At most schools the most popular major for the MBA is Finance. The list of schools below all include finance as an MBA option and in some cases offer additional graduate level options for degrees related to finance, either within the context of corporate operations or as an analytical profession. Some universities offer a Masters in Financial Mathematics for students interested in the complexities of analytics or in a PhD program that specializes in the technology of business finance. The schools listed below all have degree programs designed for career advancement in the business world.New England College of Business and Finance has been in existence since 1909 when it was founded as the New England Banking Institute. Over the years it has evolved from a finance training institution to a full fledged degree granting college accredited by the New England Association of Schools & Colleges. The Master of Finance degree includes eleven advanced courses that cover International Finance, Applied Quantitative Methods, Enterprise Risk Management, Portfolio Management and several other areas of the academic discipline. The college has a solid background in educating aspiring professionals in the banking and finance industries.Baker College offers the online MBA in Finance with a program that includes thirty three credit hours devoted to business studies and an additional twenty credit hours for classes in the finance specialization. Among the business core courses are classes in Research & Statistics for Managers, Accounting for the Contemporary Manager and Management Information Systems, so the analytic tools and IT requirements for a Masters in Finance are covered in the first section of the program. Advanced finance classes include Public Finance and International Business Finance.University of Liverpool has ventured into the international online education field with its online MBA program. Since the program was accredited by the European Foundation for Management Development it has developed a student body drawn from over 175 nations. The MBA in Finance and Accounting is delivered in modules, with each module consisting of classes that increase in complexity. The University provides e-books or printed textbooks at no charge. Finance modules include Investment Strategies, Financial Reporting, Business Finance and Advanced Managerial Accounting.Kaplan University offers an online Masters of Business Administration with specialization in Finance that can be completed in one year of full time study or two years of part time study. The curriculum includes mergers and acquisitions, international business finance, foreign exchange risk, hedging strategies, and global positioning of assets. Kaplan also offers a MBA in Entrepreneurship that delves into the creative sources and uses of capital involved in a startup.Northeastern University offers a MBA in Finance online through its School of Business. This area of concentration covers mergers and acquisitions, licensing, joint ventures, and IPOs from a management perspective. There is also a MBA in Entrepreneurship that includes some of these advanced courses. In addition Northeastern offers an online Master of Science in Finance that focuses entirely on the complexities of accounting and finance, quantitative and modeling methods, and international finance structures for global businesses. </p>]]></content:encoded> <wfw:commentRss>https://bzqnoms.info/top-online-masters-in-finance-programs/feed/</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Commercial Real Estate Loans</title> <link>https://bzqnoms.info/commercial-real-estate-loans/</link> <comments>https://bzqnoms.info/commercial-real-estate-loans/#comments</comments> <pubDate>Tue, 31 Jan 2023 07:01:40 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <guid isPermaLink="false">http://bzqnoms.info/?p=38</guid> <description><![CDATA[Commercial real estate loans can help you purchase, build or refinance commercial properties owned by you or your company. Such loans are designed to help acquire, construct or simplify payments for residential income properties, such as like apartment buildings, commercial … <a href="https://bzqnoms.info/commercial-real-estate-loans/">Continue reading <span class="meta-nav">→</span></a>]]></description> <content:encoded><![CDATA[<p> Commercial real estate loans can help you purchase, build or refinance commercial properties owned by you or your company. Such loans are designed to help acquire, construct or simplify payments for residential income properties, such as like apartment buildings, commercial business properties (offices), retail and warehouses and development projects like a condominium and subdivision projects.There are a number of free commercial mortgage lender databases on the Internet to help you find mortgage lenders and commercial construction lenders who will process your application. These search directories can be very powerful tools, if you know how to use them. As a general rule, you should only use commercial mortgage lender databases that give you direct links to the lenders, not brokers. This way, you cut the paper trail and do business directly with the lender.Most commercial mortgage lender databases require that you fill out a basic commercial loan application. After you submit your application, the database matches your data with hundreds of commercial mortgage financing programs. The results of the search will depend on your location and the type of commercial real estate loan you are looking.Your application will be matched with commercial lenders who best meet the information you provided. You can compare rates and choose lenders who you think will work for you. If you use commercial mortgage lender databases to your advantage, you can easily secure loans for virtually any commercial property purpose. A good database gives you intelligent insight into what kind of conventional and government commercial property loan is best for your particular circumstances. </p>]]></content:encoded> <wfw:commentRss>https://bzqnoms.info/commercial-real-estate-loans/feed/</wfw:commentRss> <slash:comments>0</slash:comments> </item> </channel></rss> If you would like to create a banner that links to this page (i.e. this validation result), do the following:
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