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A Step-by-Step Guide to Choosing an Online Degree Online Programs At one time, online colleges were rarely available – and when they were, the programs couldn’t hold a candle to traditional schools. Today, you can get an online degree in anything from business to history to nursing, and virtual programs provide you with a quality education.

New Small Business trying to leap your personal small business, you seemingly already understand that it's almost impossible to be permitted for a financial college loan to secure the rate fluctuate you need. With greater guidelines and stricter lending standards wear banks after the 2008 financial crisis, they merely are frequently now not handing out loans to aspiring small organisation house owners like they as speedy as were. Thankfully, special avenues have opened up for determined entrepreneurs ready to fire their boss and secure their financial futures. In fact, last month, Prosper and Lending Club, the five hundred best peer-to-peer lending sites, were responsible for more than $280 million in loan originations. The rise of peer-to-peer, or P2P, lending has been well-documented, and it's expected that the burgeoning organisation has generated more than $3.4 billion in loans for the reason that being launched in 2006. While the majority of the loans issued by method of method of these sites are used for debt consolidation, Lending Club, Prosper, and special peer-to-peer lending networks also offer credit rating for small businesses, offering them an more borrowing possibility that didn't exist a decade ago. By matching entrepreneurs and primary of us with investors, peer-to-peer lending networks are succesful to take banks and middlemen out of the equation, offering low, fixed-rate loans to of us to be used nonetheless it they want. Thus, if you are in search of capital to leap a small business, peer-to-peer lending has change into a most fulfilling funding solution. Who Qualifies for a Peer-to-Peer Loan? The majority of peer-to-peer lending networks don't offer organisation loans. However, if an entrepreneur or a energy start-up needs a loan to pursue a organisation idea, they'll borrow as an individual. Instead of the loan being issued to a organisation entity, it's issued to an individual, and he or she can use the rate fluctuate nonetheless it they want. The loan will merely be categorized as personal debt. While here is true for a lot of peer-to-peer lenders, peer-to-peer lending networks specializing in funding small businesses in need of $35,000 or more now exist as well. Therefore, budding small organisation house owners can turn to peer-to-peer lenders for any of their financial needs. Understanding Peer-to-Peer Lending Peer-to-peer lending is same to eBay. You merely set up an account at one amongst the peer-to-peer lending networks, reminiscent of Lending Club, read the site's borrowing guidelines, and evaluate the sorts of loans they fund. Although Lending Club and Prosper don't officially offer organisation loans, they do fund entrepreneurs looking to leap a small business. After registering an account, you merely enter inside the loan amount you are looking for and the maximum pastime rate you are eager to pay. Once your listing is created, investors will begin sending you bids stating the amount they are eager to lend you and the pastime rate they may wish to charge. As with any range of lending or financing, the higher your credit rating score, the better. It's also very very very important to phrase that you simply wish a credit rating score of 640 or above to achieve funding from most peer-to-peer lenders. If you have got got a good credit rating score and history, you may perhaps achieve a lower pastime rate than you expect, merely as a consequence of the truth unlike normal lenders, peer-to-peer lenders offer loans starting at only 6.78 percent. Best of all, the monthly payments and pastime rate are fixed, and the pastime rate is amortized as well. There might be no prepayment charge, so that you may be succesful to pay off your unsecured small organisation loan as speedy as you wish without penalty. As mentioned earlier, for the reason that you may perhaps need more than the $35,000 maximum loan amount sold by method of method of most peer-to-peer lending networks, a number of peer-to-peer lenders, reminiscent of Dealstruck, as we speak are specializing in offering larger loans of $100,000 or more to the small organisation market. Typically, sites like these offer five hundred to five-year loan words with low pastime fees starting at only five percent. The Cost to Peer-to-Peer Borrowers Businesses frequently find that borrowing from a peer-to-peer lender is much cheaper than borrowing from a bank, merely as a consequence of the truth there is now not any middleman involved. In addition to having more overhead, banks are still struggling to get nicely the rate fluctuate they lost during the financial crisis. This brought financial rigidity trickles down to borrowers inside the form of higher pastime rates, inside the occasion that they are succesful to get a loan at all. Since peer-to-peer lenders compete with one one special to offer you with the loan you ought to leap your business, you are succesful to benefit from the lowest pastime rate possible. From Dream to Reality: Rob's Story Two transient years ago, Rob Strong dreamed of opening his own landscaping business. Although he pinched pennies and saved for years, he still found himself in need of more funding to achieve the instruments imperative to finally launch his dream of being his own boss. Sick and tired of fattening person else's pocket each day, one day Rob decided enough was enough. Unfortunately, he still needed $10,000 to achieve all of the imperative equipment, so he went to his financial college with the organisation plan; he spent hours upon hours completing in order to get a small organisation loan for the rate fluctuate he needed. Despite banking there for years, the banker denied his application merely as a consequence of the truth his credit rating score was only five points under the threshold. "What am I going to do now?" he asked himself. Luckily for Rob, he was browsing online five hundred days later and ran during a most important peer-to-lender. "It's worth a shot," he thought. After spending five minutes filling out the application and setting up his profile, he grew to become his laptop off and waited. Two days later, Rob signed in and was stunned to see that 50 investors had provided him with bids. The next day, he obtained the general amount he needed. Two years later, Rob's landscaping organisation is in entire swing. He now has 20 group and earns six figures a year while "working" 20 hours a week. There are lots of of us who share Rob's story. Thanks to peer-to-peer lending, of us during the country were succesful to achieve their aims of becoming small organisation owners. With the peer-to-peer lending organisation growing each day, lots more are sure to change into small organisation success stories as well.

14 Tips for Selling Software and Services Online Software--whether sold as a service (SaaS) or via CD or DVD--is a multibillion-dollar business, with new vendors and solutions popping up all the time. In a recent Market Trends forecast, Gartner predicted SaaS and cloud-based business application services alone would reach $32.2 billion in sales by 2016. But just because you have developed a great app or solution doesn't guarantee success. So how can you increase your chances of getting your software or digital offering purchased? CIO.com queried dozens of marketing and sales pros who know a thing or two about selling software and digital services online to find out. Following are their top 14 tips for how to sell software via the Web. 1. Use a reliable cloud hosting service instead of managing everything in-house. Why spend the time and money on building and maintaining your infrastructure when you can host in the cloud? "In just a few hours, a hosting provider can provision dedicated servers and cloud servers for you, and your business will be up and running with limited cost and risk," explains Emil Sayegh, the CEO and president of Codero Hosting, a provider of dedicated, managed and cloud hosting services. Other benefits of hosting your software in the cloud: "You can do all your testing and development in their data center and then deploy into production," he says. "Once in production, if the load increases or decreases you can scale your infrastructure on demand without owning a single piece of equipment, or worrying about server maintenance and upkeep." 2. Beta test. "To sell software online it's important to get feedback before investing too many resources into the development of your site or product," says Phil Sharp, senior marketing manager, UserTesting.com. "Mock up the simplest version of what you're offering, get it in front of people and get their brutally honest feedback. This will help you improve your product early and save you thousands of dollars down the road." 3. Offer a free trial. Especially if you are "a small, unknown company, you need to provide something to help potential customers see that your product is not a scam, and it will work for them," says Kelly Wilkerson, cofounder, Decipher Media, which offers desktop solutions for managing iPhone data. "Slightly over half of the 'Buy' button presses on our Web page come through the 'Register' button within our trial software, rather than our regular product page on the site. Testimonials help. Software safety badges help. But nothing helps as much as a free trial." 4. Consider a freemium model. "Another option is to offer freemium versions of your software--free access to basic features with the option to access premium features for an upgrade cost," says Michelle Nerlinger, director of Marketing at SafeNet, a data protection provider. "It's a smart up-sell path that can encourage paid licenses." Adds Ryan Connors, the marketing manager at Apptegic, a customer engagement solution provider, "By breaking down the barriers to adoption, you'll find people more eager and willing to try out your software and service." 5. Include a video of how your product works. "Have a one- to two-minute video explaining your product or service," someplace obvious on your Website, advises Alex Capehart, vice president of Strategic Accounts at hosting service Media Temple. "Animation is great for a simple product breakdown, and a video of employees can give a human side to a technical service folks might not understand. It works great for us and engagement is high!" 6. Show customers you understand their pain. "Whether it's telling stories to highlight how your software makes life easier, or alleviating fearful or cautious emotions that come with a potentially substantial investment by providing valuable information, creating human connections around your product is a powerful way to stand out against the competition," says Seth Lieberman, the CEO of SnapApp, a marketing platform for creating interactive content to drive leads and engagement. 7. Include product feature/benefit comparison tables. Including "product feature and benefit comparison tables, which that show your product in the best light, is essential," says David Howard, a principle at marketing firm Consultiq. "They summarize in an easy to read format the tradeoffs that a buyer has to consider in the purchase cycle. So long as you have a competitive offering, there's no reason to be afraid to do this." 8. Solicit independent third-party reviews. "Anyone can tell you their products are worth buying, so it is best to have an honest third party referral," says Jennifer Borun, senior marketing director, GoingOn Networks, a developer of social collaboration and communication solutions for higher education. "Encouraging your customers to tell their story of why they selected your product and how it meets their challenge is the best way to get your message out and sell your product. You can capture these stories in case studies, an interactive online forum or blog postings." "try to get a well-respected publication to test your solution/offering," suggests Allan Thorvaldsen, CEO, Panorama9, a cloud-based IT management platform. "This will validate your product (if it is any good) and generate traffic towards your Website for no cost." 9. Offer a money-back guarantee. "Studies have shown that a trusted and well-presented money back guarantee can actually increase sales by up to 40 percent," says Stephen Dodd, CEO of OfficeTime.net, a developer of time tracking software. As for how long the guarantee should be for, Dodd suggests 120 days, which is what OfficeTime.net offers customers. "A short guarantee makes it more likely the customer will take you up on it," Doddsays. "They feel a time pressure to cash in the guarantee before it's too late. With a long guarantee, the customer feels they have more time to make up their mind." Moreover, he says, "the longer the customer spends using your app, the more time they have to get to know you and fall in love with what you've created--and the less likely they will request a refund." 10. Include a phone number, in addition to an email address, on your Website. "By adding our phone number to our Website, we increased sales and not calls," says John Hurley, the cofounder of the business class file sharing service SmartFile. "Sure an email is easier to administer, but showing people you have a phone number gives potential customers a sense of comfort knowing that you are a real business." 11. Offer 24/7 customer support. "We will never talk to 99 percent of our customers, but letting them know they can contact us any time of day or night goes a long away in developing trust with your potential customers," says Hurley. "If you're not large enough to provide 24/7 support, consider hiring an outside firm to do it." 12. Market across channels. "Effective multi-channel marketing programs can accelerate adoption of digital services," states Singu Srinivas, partner, Waterstone Management Group, a strategic advisory firm. "For example," Srinivas says, "Netflix has used a mix of marketing strategies--advertising (online, affiliate, TV/radio/print), co-op programs with content developers, consumer electronics partnerships and freemium/trial promotions--to grow its customer base. And over the past decade, Netflix has grown from approximately 850,000 subscribers to over 29 million streaming members, while gradually reducing its customer acquisition cost." 13. Search forums to find prospective customers. "There are a lot of popular, industry-specific forums on the Web," explains Ted Galdi, the cofounder of StadiumRoar activity management software. "To find ones in your industry, do a simple Google search for '[your type of industry] forums.' Then sign up for any forums that seem legitimate and widely read." (Membership is usually free, he says.) Why search forums for prospective customers? "Forums are great because people looking to buy products often go there to ask questions. You can use the search box to locate prospects that have asked questions about your type of product," he says. "Type in phrases about your kind of offering, and see in the results who has asked questions about it. Respond back to people with advice on how to solve their problems, along with a link for them to check out your product. This technique is effective because of the following: You are locating people who are looking to buy a product like yours, as opposed to dealing with marketing guess work You are building trust by responding back to them with honest, personalized feedback." 14. Use metrics--and adjust your marketing accordingly. "When you're selling online software you cannot set your [marketing] campaigns and forget them," says Caroline Cummings, vice president of Marketing, Palo Alto Software. "It's important to always be testing--headlines, images, videos, links, length of page, calls to action, colors, etc. We have weekly analytics meetings where we're constantly looking at what is performing well and what is not," Cummings says. By regularly checking metrics, you know what's working and what's not and can adjust your campaigns and minimize losses.

Feeling Insured By Charles Anderson | Submitted On June 04, 2018 Frequently considerations of decentralized technology's future social implications present freshly differentiated images of somehow superior methodologies that may be radically different than the present day. Yet the decentralized recording of centrally controlled operations could instead be a marked degradation to both the technology's potential and developmental promise. Without an equivalent preceding structural change, the introduction of decentralized technologies into established industries wishing to bolster rather than improve service offerings should give us all great cause for concern. In a factually based, well-known business school anecdote a case of one of the first life insurance claims is often repeated. Shortly after this type of policy became available a life insurance policy holder did indeed pass away during the applicability of his high-payout protection. When the family of the deceased attempted to claim, the insurer wrote a new definition of how their company calculated 'one year' so as to [successfully] avoid settlement. Spoken of as commendable industrial ingenuity or defenseless profiteering would most likely depend on whether it was relayed in a strategy or ethics lecture. However, with this tale in mind we now turn to the introduction of blockchain technologies within the insurance industries: "ORLANDO, Florida - Blockchain technology has a future in workers compensation transactions as the technology has the potential to improve communication and efficiency industrywide, a presenter told attendees of the National Council for Compensation Insurance Inc.'s Annual Issues Symposium on Friday. Blockchain is a decentralized, peer-to-peer network that provides insurers and stakeholders a way of "producing, storing, managing and sharing data as a secure record of transactions," said Paul Meeusen, head of distributed ledger technology and director of finance reinsurance at Swiss Re and CEO of B3i. Blockchain consists of a distributed ledger, consensus providing a "single version" of information, cryptography for secure and authentic transactions, and smart contracts, which are auto-executed under predefined conditions, Mr. Meeusen said. In a traditional insurance system, there is an inefficient flow of information from policyholder to insurer to reinsurer to capital market, he said. Mr. Meeusen explained how the technology works to create efficiencies rather than collecting and examining data in separate systems. "We are working together, but we keep control of our data," he said. For workers compensation, blockchain can allow stakeholders opportunities for sharing personal and medical information, providing a secure place to store and access data. The technology would also allow for verification of comp coverage across the blockchain platform, he said. Blockchain also allows for real-time messaging and confidential sharing of information across the industry, he added. "There is definitely an efficiency component here," said Mr. Meeusen." May 19th 2018, Louise Esola on Business Insurance The blockchain may indeed offer transparent, decentralized and immutable recording of digital data entries. Possible extensions utilizing automatically executable or complexly triggered 'smart contract' events are also numerous. This is without question. The quality of the content though is perhaps something often either overlooked or simply subsumed into the excitement of the technology. To replicate existing methodologies through new means may be to forgo opportunities of improvement. In other words, regardless of an insurance policy being held centrally by the issuing company or recorded via decentralized technologies, this says nothing about its practical implementation. The same issuing company formulated and enforces the terms. The caveats, clauses, loopholes and conditions of many insurance policies that prohibit payouts to holders are too numerous to list here in detail. It is sufficient to say that for many they form a recognizably accepted portion of the insurance process. To now immutably digitize the insurance company's terms and conditions with complexities that may not wholly be understood by the individual holders of such policies confers only benefits to the issuing company. As rather than a personable exchange, clarification or justification in any lack of comprehension here the holder's digitally immutable and time-stamped agreement with such a document is forever locked. While the transparency of the documents themselves may be set, the comprehension and honoring of the policy remains largely one sided. The use of immutable records is only beneficial provided sufficient knowledge of the meaning or implications of these records exists. A convoluted and one sided policy remains just that, whether on or off the blockchain. The very presence and survival of the hugely profitable insurance giants should hint at the business structure. Ultimately, like a casino, the company's calculations and metrics are superior to our understanding of probability. Like a round at the blackjack table a player's chance at profit or their enjoyment in the risk of participation itself outweighs what is essentially a guaranteed loss when measured on a sufficient time scale. The house always wins. This is why there is the [well decorated and ornately furnished] house itself. Aside from investment strategies as well as a multiplicity of financial activities, at its core insurance coverage exists as the house is betting that we, the policy holders, are wrong. For any business it is unsustainable to payout more than you receive. Therefore the range in choice of insurance has and continues to be available as the purchasing of these, over a long enough time scale, earns the issuing company more than it costs for them when paying out. This is not to marginalize a host of potential benefits, protections and security provided by insurance offerings. As with automobile accidents for example, in a cost benefit analysis one's deference to experienced centralized behemoths for resolution may simply be prudent and well worth such costs particularly in consideration of the alternative's possible time requirements. It is simply to state that throughout all insurance offerings, the house [an insurance company] exists because it remains profitable. When blockchain technologies are purported as a panacea for development and the future of industry, perhaps we should all first step back and question whether we genuinely understand the policies themselves before getting too excited about their immutable recording. Article Source: http://EzineArticles.com/9952864