Free CRM Software for Small Business – HubSpot CRM #hidden #objects #free #games

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#free crm

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See Your Entire Pipeline at a Glance

Get a clear picture of your entire sales funnel on one clean visual dashboard. See deals over any time period – from appointments scheduled and contracts sent to deals won or lost. Set quotas, track progress and forecast revenue with up-to-the-minute accuracy. Create filters and sort deals by name, owner, amount or stage to get actionable insights in a fraction of the time.


  • Customize Deal Stages to Your Sales Process

    Edit, add or delete deal stages and adjust closing probabilities in less than five minutes – even if you’re not technical. Need to track multiple pipelines? No problem – you can add as many as you want and view each separately.


  • Create Track Deals in Seconds

    Create new deals with a single click, then drag and drop them from stage to stage as they progress. Your contact records, pipeline and forecasting all update automatically – no need to enter anything twice.

    See All Communication History in One Place

    View every interaction with any individual customer in one place, including calls, emails, meetings and notes. No more hunting for old emails or digging through messy spreadsheets to remember where a relationship left off. Sync up with HubSpot Marketing, to track visits, clicks and see what content your lead is interested in so you can personalize your approach.


  • Follow Up From Right Inside the Platform

    Stay on top of the conversation and follow up on the fly. Send emails, place and record calls (premium), schedule meetings and assign tasks from one screen, all without switching between platforms or disrupting your workflow. HubSpot’s Free CRM integrates with Gmail and Outlook, bringing all your communication together for easy reference. You’ll know what’s happened and what to do next.


  • Send, Track and Optimize Email Templates

    Speed up your response rate with personalized email templates you can send with a click. Open and click rates are tracked automatically, so you can test templates, find your best performers and share them with your team.

    MAKE SELLING SIMPLE WITH HUBSPOT CRM


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    Online Degrees #eastern #new #mexico #university, #eastern, #enmu, #portales, #new #mexico, #nm, #education, #school, #college,

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    Online Degree Options

    Online degrees are supported by the Office of Distance Education and Outreach, and available to all accepted students. Technology enables new programs, creates partnerships, sparks connections to the community, and provides a global student body access to ENMU’s top-notch educators. With over 30 available online degree options, you can learn from the best in everything from business and education to nursing and information systems. Our programs are designed to prepare you with the skills and experience you need to succeed in your chosen professional environment. All the degrees on this page can be obtained 100% online unless otherwise noted.

    Our programs are offered online in the following areas:

    Online Undergraduate Program Options

    How Does Online Learning at ENMU Work?

    As an ENMU student, you can complete a 100% online degree program, or complete your degree program with the convenience of online courses mixed into your schedule of on-campus courses. ENMU faculty use a variety of online tools including Blackboard and Mediasite. to provide an enhanced learning experience. As an online student, you still have the benefit of our qualified faculty who are dedicated to your success. Online courses are available 24 hours per day, seven days per week, though there are some courses which require you to be online at a specific time.

    What Do I Need?

    Once you are an admitted student, when you register for an online course, you will need regular access to a computer with an Internet connection. For an optimal learning experience, you should have high-speed broadband access (LAN, cable or DSL). Most courses require Microsoft Word, PowerPoint or Adobe Reader. Some courses have more advanced system requirements; any advanced requirements are noted in the course syllabus. You can either provide your own computer or use one of our many on-campus computer labs .

    Resources for Online Students

    As an online student, you will still have access to the same faculty and campus resources as a traditional student. We offer tutoring, counseling, technology help and a variety of other services at your fingertips.

    State Authorization

    The State Authorization Reciprocity Agreement (SARA) is an agreement among member states, districts and territories that establish comparable national standards for interstate offering of postsecondary distance education courses and programs. It is intended to make it easier for students to take online courses offered by postsecondary institutions based in another state.

    What does this mean for you? This means that even if you don’t live in New Mexico, you may be able to enroll in a completely online program with us.

    This email address is being protected from spambots. You need JavaScript enabled to view it.
    ENMU Station 25
    1500 S Ave K
    Portales, NM 88130
    800.FOR.ENMU (800.367.3668)
    Phone: 575.562.2165
    Fax: 575.562.2168


    Can I Qualify for a Business Loan? #qualifying #for #a #small #business #loan

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    About Us

    Can I Qualify for a Business Loan?

    Whether you are applying for a Springfield SBDC loan, an SBA loan, or a traditional bank loan, there are certain factors that improve your ability to obtain financing. This self-test is designed to assist you in understanding important issues that lenders consider when making a decision on a small business loan.

    Do you have a good personal credit history?

    Research indicates that good personal credit history is one of the most important factors in identifying borrowers that will repay their business loans. When a lender makes a decision on a small business loan, he/she will consider the personal credit history of the borrower. A bad credit history can be the basis for denial for a small business loan.

    a) If you do not have a recent credit report, find out about ordering one by calling TransUnion (http://www.transunion.com/ ), Experian (http://www.experian.com/ ), or Equifax (http://www.equifax.com/ ). If you have credit problems but they can be explained by a one-time incident such as a medical problem, provide information to a potential lender about the problem and how it has been rectified.

    b) If you have filed for bankruptcy in the past 7 years (10 yrs for an SBA loan), or have slow payments, collections, etc. then it may be difficult to obtain financing now. If your poor credit history can be explained by a particular incident, supply information on the situation and how you attempted to repair past credit problems. If you have consistent credit problems, you will need to “repair” your credit history and rebuild your credit track history. Call your local Consumer Credit Counseling Agency (CCCA) for assistance.

    Do you have enough money of your own to put into the business?

    (For start-up businesses)
    All loan programs require that the business owner put their own money into the business. This owner equity injection shows that the owner believes in the business enough to risk his/her own money and reduces the amount of monthly debt payments that the business must make. Virtually all loan programs, including SBA loans, will require a reasonable contribution from the owner(s). A good rule of thumb is 20% or more equity injection. The more equity, the more favorably potential lenders will look upon the loan request. Neither banks nor SBA provide 100% financing.

    Have you filed your personal/business income and business taxes?

    Lenders and government loan programs alike want to see that an individual has met his/her tax obligations for both filing and paying taxes. Many of the loan programs are in partnership with government agencies. These loan programs do not look favorably on individuals or businesses who have unpaid income and/or business taxes. For SBA loans, an income tax verification is obtained from the IRS before a loan is closed.

    Have you demonstrated that your business has the ability to repay a loan?

    (For existing businesses)
    If the business is profitable, this helps to demonstrate repayment ability of the new debt. If a business is not profitable, it becomes very important to prove how it will be profitable in the near future so that a loan can be repaid.

    (For start-up businesses)
    You must demonstrate that the business will be able to repay the loan payments. It is very important that you find as much data as possible on comparable businesses or industry statistics in order to “prove” the revenues you intend to generate and the expenses you anticipate incurring. This is accomplished by writing a business plan. Writing a business plan provides an organized system for researching your business as well as insight into your business to facilitate funding and investment. SBDC seminars such as “Starting a Business in Ohio” and “How to Write a Business Plan” can assist you in this process. The SBDC also offers online training, including “Crafting a Business Plan” and “Creating Financial Projections.” For assistance in locating industry research or information, contact your local SBDC office.

    Do you have any collateral to secure a business loan?

    Business and personal assets can be considered collateral, or a way to repay the loan if the business defaults on the loan. Most collateral is valued at an amount less than market value based on a variety of factors. Although the SBA will not deny a loan due solely to the lack of, or amount of, collateral, the more collateral one has, the more likely a deal will be favorably considered. Unwillingness to pledge assets can be a basis for decline.

    Does your business have a positive net worth?

    (For existing businesses)
    The net worth of the business should be positive. If there are loans from shareholders on the balance sheet and you are able to subordinate these (not pay the shareholders) while you pay the bank loan back, you may consider these loans from shareholders as equity.

    Does your business currently have low levels of debt?

    (For existing businesses)
    Businesses that have too much debt will find that their profits are directed at paying back loans and not building retained earnings in the business that can fund future growth. Consequently, banks and government loan programs look more favorably at loan requests that do not add too much debt to the business. Banks often look for a debt to net worth ratio of 3 or less (total liabilities divided by equity). SBDC consultants can assist you in assessing your debt situation.

    Are you willing to personally guarantee a loan?

    Most business owners are asked for a personal guarantee in order to obtain a business loan regardless of the legal structure of the business.

    Does your business have managers and advisors capable of leading your business to the next level of growth?

    (For existing businesses)
    As businesses expand, they need more sophisticated management as it relates to strategic planning, marketing, record keeping, inventory control, personnel, etc. If there are aspects of your business with which you need assistance, we recommend that you contact the SBDC for assistance.

    Do you have experience in running your own business?

    (For start-up businesses)
    For a new business, it is important for the business owner to demonstrate that he/she has experience in the industry and/or entrepreneurial experience. If you have never owned or operated a small business before, we strongly recommend that you attend one of the SBDC’s entrepreneurial training classes.

    STOP: If you cannot answer yes to all the questions above, then you may have difficulties obtaining financing at this time. We suggest that you evaluate the needs of your business and take advantage of the SBDC’s training classes, or contact your local SBDC office to speak to our knowlegeable staff.


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    5 Best Online Backup Services for Small Businesses #online #data #backup #services, #cloud #data #backup

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    Online Data Backup Services for Small Business

    Online Data Backup Services for Small Business

    You’ve heard it thousands of times—backup your data . A good data backup strategy involves two copies of your data; one local (it resides in your office or place of business) and one offsite (you pay an online data company to store it remotely on their secure servers).

    Online backup services are not created equal when it comes to data security . The strongest security is “zero knowledge” encryption. It encrypts your data using a unique encryption key that only you possess; nobody, including you, can access your account without this key.

    If you lose your encryption key, all the vendor can do is open a new account for you. This might sound scary, but giving your vendor access to your data requires a level of trust that may not be warranted and also leaves you open to government searches. What’s the best way to protect your unique encryption key? Write it down and lock it in a safe place.

    Good features to consider: cross-platform client software, support for multiple filesystems, and sharing and file sync across multiple devices and users. Most backup services use deduplication—meaning they copy identical files only once—to reduce the size of backups. Another way to reduce backup size: record only changes to a file rather than making multiple complete copies.

    Backups should be reliable and automatic, and restoring data should be easy. Many services offer 2GB-5GB accounts for free. You’ll find personal, family and business plans with different features and pricing. Ignore the labels; if a personal or family plan meets your small business needs then use it.

    Memopal Small Business Online Data Backup Service

    Based in Italy, Memopal supports customers in Europe, the U.S. and Asia—in 15 languages. It supports more platforms than most online backup services: Mac OS X, Linux, Windows, Android, iPhone, Blackberry, a Web interface, and a Web-based, mobile-friendly interface.

    A simple Memopal Personal license covers as many computers as you like, up to your total storage limit. An annual fee of €79.00—about $86 USD—buys 500GB of storage.

    Memopal White Label offers a customized, branded interface and a choice of on-premises or hosted storage. Memopal guarantees your confidentiality and the anonymity of the data stored on its servers, though it does not implement true zero knowledge encryption. If you lose your login you can request a reset and get back into your account.

    SpiderOak Small Business Online Data Backup Service

    SpiderOak is the online backup service with the funny name. SpiderOak gets my top recommendation for small business owners who want maximum security and privacy. You get reliable, secure online data backups and real zero-knowledge protection.

    Every account gets a unique encryption key that protects customer data for the entire end-to-end process—uploading, storage, and downloading—and nobody can access your data without this key. If you lose it, you lose access to your account, and Spideroak cannot restore it or create a new one.

    SpiderOak offers group collaboration and enterprise backup, and Kloak, their new service for safely encryption and protecting your social media activities.

    SpiderOak is cross-platform and supports efficient online backups, file synchronization across multiple devices, file sharing and remote access from anywhere. You can use client software for PCs and mobile devices, or you can use the Web interface. The company offers a forever-free 2GB account, and then each additional 30GB costs you $7 per month or $79 per year. One terabyte of storage sells for $12 per month/$129 per year, and 5TB costs $25/$279.

    Crashplan+ Small Business Online Data Backup Service

    Crashplan+ . a moderately-priced online data backup service, offers both home and business plans. The reasonably priced business plans let you either pay $7.49 per-computer for unlimited storage, or pay for a specific amount of storage. The company’s online calculator quickly shows which option is the best deal. The company claims it’s fully committed to the unlimited plans and will not take them away. The Crashplan+ feature set includes backups to local servers or removable media, a 30-day free trial, and HIPAA compliance. The free version backs up data to your removable media or to any servers under your control, but not to Crashplan’s servers.

    JungleDisk Small Business Online Data Backup Service

    JungleDisk offers zero-knowledge security similar to SpiderOak, and a unique pay-as-you-go pricing structure: you pay exactly for what you use, rather than purchasing fixed blocks of storage sizes. You can choose from two JungleDisk editions: Jungle Disk Workgroup and Jungle Disk Server. Workgroup is designed for a single user using one or more devices. Server comes with server-friendly reporting and remote administration features. The Server edition costs $5 per server per month plus $0.15 per GB. You have a choice of storing your data on Amazon’s S3 cloud service, or on the Rackspace Cloud. Rackspace is a popular and reliable hosting service, and it owns JungleDisk.

    Barracuda Small Business Online Data Backup Service

    Barracuda Backup Service . a higher-priced option for shops that want more control, flexibility, and comprehensive central administration of multiple locations, offers offsite network backups integrated with local backups.

    Offsite backups can be hosted on Barracuda’s cloud infrastructure or mirrored on your own sites, and you can mix-and-match local and remote storage. For example, you might store important files offsite and locally, and less-important files locally only.

    You get fine-grained scheduling control—from real-time backups of critcal files to whatever interval you want for other files. Barracuda meets HIPAA and Gramm-Leach-Bliley security requirements.

    Start by purchasing a Barracuda backup appliance—a dedicated backup server pre-loaded with backup and monitoring software. Prices start at $999 for the 100GB-capacity 190 model server (250GB raw capacity) and go all the way up to a base price of $135,000 for the model 1090, which has 112 TB raw capacity and about 50 TB of data backup capacity.

    Offsite storage costs $50 per month per 100GB, with no other costs; no agent, per-server, or client access licenses. You get 24×7 technical support, and continual monitoring of your server health.

    Carla Schroder is the author of The Book of Audacity, Linux Cookbook, Linux Networking Cookbook, and hundreds of Linux how-to articles. She’s the former managing editor of Linux Planet and Linux Today.

    Do you have a comment or question about this article or other small business topics in general? Speak out in the SmallBusinessComputing.com Forums . Join the discussion today!


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    How to Start a Business with a Partner – Small Business #email #software #for #small

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    How to Start a Business with a Partner

    Tips

    • Get to know your potential partner and learn about his or her personal and professional values, ideas and goals.
    • Consult a lawyer and an accountant to draw up a written partnership agreement.
    • Spell out an exit plan for you and the business.
    • Related How-Tos

      Feedback

      Business partners often start businesses together with little planning and few ground rules. Sooner or later, they discover the hard way that what s left unsaid or unplanned often leads to unmet expectations, anger and frustration. Partners can clash over countless things, including conflicting work ethics and financial goals, roles in the business and leadership styles. What follows is a primer on how to avoid that and set up and sustain a business partnership.

      First, ask yourself: Do I really need a business partner to build a successful company? Taking on business partners should be reserved for when a partnership is critical to success say, when the prospective partner has financial resources, connections or vital skills you lack. You may be better off hiring the other person as an employee or an independent contractor.

      Communication is important at every stage of a partnership, and especially so at the outset. A common mistake business partners make is jumping into business before really getting to know each other. You must be able to connect to feel comfortable expressing your opinions, ideas and expectations.

      If you haven t worked together previously, test the partnership out by tackling a small project together that showcases each other s skills and requires cooperation. This is also a way to learn about each other s personality and core values.

      Ideally partners professional skills should complement one another, but not overlap too much. For example, you may be detail oriented and your partner may be a big-picture thinker. Or you may be an expert in marketing and sales, while your partner prefers to stay in the backdrop poring over financials.

      To gauge how well you might work together, have a chat with each other s colleagues and family members. Key questions to answer include:

      • Do you and your partner share personal and professional values, ideas and goals?
      • Do you trust your partner s motivations and character?
      • In what areas of everyday life and business do you agree?

      Other points to consider:

      • What if a spouse or kid later wants to join the business?
      • How will it be handled if one partner acts unethically?
      • What if one partner wants to move out of the country?

      Potential partners may want to consider taking a two- or three-day retreat together to go over their individual expectations for the business and partnership, one by one, and compare notes. It can help the conversation to have the partners guess each other s expectations before revealing them to each other.

      Be especially careful when partnering with close friends or family members. Like many marriages, business partnerships can end in bitter divorce. Consider whether you re willing to risk hurting your relationship if the partnership falls apart.

      Approach a partnership with close friends or family as you might with strangers: Thoughtfully plan and prepare for every aspect of it in advance so there s no question about how difficult situations will be handled.

      A note about partnering with a spouse: Working together puts an added strain on a relationship, and couples can quickly discover there is a little too much togetherness. Those who succeed often have learned to set boundaries keep the business from dominating every aspect of their lives. For example, they may have agreed to leave the office at 5 p.m. and put all conversation about work on hold until after the kids are in bed.

      Once the decision is made to start a business together, you should create a partnership agreement with help from a lawyer and an accountant. Take this step no matter who your partner is. People with strong personal connections may feel certain that their supposedly unbreakable bond will help them overcome any obstacles along the way. Big mistake. Get a written agreement.

      Every agreement should address three crucial areas: compensation, exit clauses, and roles and responsibilities. Include who owns what percentage of the business, who is investing what, where the money is coming from, and how and when partners will be paid.

      Typically partners set up equal ownership and each contributes 50% of the initial investment. But terms can vary greatly. For instance, one partner might contribute more money if the other partner can bring in expertise or business contacts. As the business grows and changes, adjust compensation accordingly. For example, partners may agree to work initially without compensation, and to get paid after a certain revenue target is reached. In addition, if the business partnership brings on more people or if a particular partner is putting in more or less time, building some flexibility into the contract can let you adjust payments.

      The agreement should also cover how you plan to exit the business. Include clauses that spell out cases in which one partner is obliged to buy out the other s interest for instance, if one wants to quit the business. For instance, it can state that the other partner must buy him or her out for a prenegotiated percentage of the business s value.

      If neither partner wants to continue the business, partners can also liquidate and divide all assets. It s also a good idea to settle on in advance how to assess the total value of the business upon dissolution. The agreement should specify who appraises the business and the methodology to use.

      Outline your expectations for how you ll operate your business. Clearly delineate the roles and responsibilities of the partners based on their skills and desires. This will eliminate turf wars and clearly show employees to whom they should report.

      Establish routines for daily communication. For example, agree to talk twice a day at designated times and to re-evaluate their goals on a regular basis. At least once a quarter, sit down and discuss how you envision the future of the business and what steps to take in getting there.

      Addressing these issues up front will help you better focus on your business later. How you work out the details of setting up a partnership could be an indicator of how well or poorly your prospective venture will operate. Inevitably, some potential partners will realize through the process they weren t meant to be.

      Related WSJ Articles and Blog Posts:

      Online Tools:

      • Sample Partnership Agreement — A sample document of how to structure your partnership agreement, from Small Business Notes, a small-business resources and information provider.
      • Corporate Buy-Sell Agreement — An example contract that spells out how stock can be sold or transferred, from software maker Jian.

    Additional Resources:

    • Creating a Partnership Agreement — A list of subjects to discuss with your partner when structuring a partnership agreement, from Nolo, a publisher of legal information for consumers and small businesses.
    • Plan Ahead for Changes in Partnership Ownership — A briefing on buyout agreements for planning what will happen when a partner leaves the business, from Nolo, a publisher of legal information for consumers and small businesses.
    • Plan Now to Preserve Your Partnership — A look at what you need to plan beforehand to keep your partnership successful, from Score, a nonprofit for entrepreneurship education.
    • Chart: Ways to Organize Your Business — A chart of ways to organize your business, from Nolo, a publisher of legal information for consumers and small businesses.

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    Free Software Inventory Tracking Template for Excel #inventory #tracking #software #small #business

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    Software Inventory Tracking Template

    Download a free software inventory control solution for Microsoft Excel

    Tracking software inventory and performing other computer inventory control tasks can be a headache for any IT professional. Tracking the location and condition of computer inventory and monitoring software installations and expirations can be time consuming and tedious.

    Typical asset inventory systems, while generally good at tracking hardware inventory, aren’t usually set up to handle software inventory management. But, now you have another option. our free Software Inventory Tracking Template. It is designed specifically to track hardware and software inventory, including the location of installed software and software license expirations. Continue reading after the download block for more information.

    If you’re looking to track other fixed assets besides computer hardware and software, check out Vertex42’s Asset Tracking Template – a simple solution for equipment tracking.

    Software Inventory Tracking Template

    Description

    Vertex42’s Software Inventory Tracking Template helps you keep tabs on your company’s hardware and software inventory, installations, and expirations.

    Usage Tips

    • Enter software and hardware inventory and purchase details on their respective worksheets – giving each entry a unique name.
    • Track license usage and location by simply selecting the computer and the software combination – the software inventory control system will automatically calculate licenses used and remaining.
    • Add additional rows by copying a row and inserting it above the last row.
    • Keep track of software expiration and hardware upgrade dates.

    No installation, no macros – just a simple spreadsheet – by Jon Wittwer and Brent Weight

    Software Inventory Tracking Resources

    • Is Anyone Tracking Your Organization’s Software Licenses? at cio.com – Many organizations have forgotten the importance of tracking software licenses, setting themselves up for difficulties in the future.
    • Software License Tracking at processor.com – This article describes some of the reasons to keep track of licenses, some free audit tools and the pains growing companies can have when it comes to software compliance.
    • Best Practices for Tracking Software (PDF) at ist.berkeley.edu – Some best practices from Berkley for keeping track of software licenses including how long information should be kept.

    Related Content

    LIKE THIS TEMPLATE?

    Like on Facebook

    Follow Us On.

    Inventory Control Template (stock, merchandise. ) Software Inventory (licenses, hardware. ) Home Inventory (for insurance purposes) Asset Tracking (equipment, tools. ) Bill of Materials (BoM) (parts list, materials list. ) Equipment Calibration (track calibration dates) Sign Out Sheet (track equipment and tools)

    VERTEX42.com
    2003-2017 Vertex42 LLC. All rights reserved.
    Vertex42 is a registered trademark of Vertex42 LLC. Microsoft and Microsoft Excel and Microsoft Word are registered trademarks of Microsoft Corporation. Vertex42.com is not associated with Microsoft.

    Free Software Inventory Tracking Template for Excel


    Categories: News Tags: Tags: , , , ,

    Small websites #small #websites

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    We have entered the video age and made a short piece about the JBC313 and JBC323 Mini PCs. They are rugged, low power consumption and fanless Mini PCs under a litre in volume with 2x Intel I211-AT Gigabit LAN ports, powered by a Quad Core Celeron N3160 Processor with support for AES-NI acceleration in hardware. The Intel chipsets and AES-NI make these machines ideal as dedicated Linux-based network appliance devices – pfSense advocates in particular will like these.

    We plan to make more. If there is something else you would like us to make a video about please let us know in the youtube comments.

    PC Gamers have been able to use Mini-ITX motherboards and standard length graphics cards together for a long time, but is has only been fairly recently that short depth Mini-ITX high end graphics cards have been available.

    Gigabyte s latest offering is the first card to be announced that usurps the previous king of this form factor – AMD s R9 Nano – by fitting an NVidia GTX 1070 into a 17cm long package.

    The GTX 1070 Mini-ITX OC shares the same Pascal architecture as the flagship GTX 1080 whilst offering 1920 CUDA cores, VR and 1440p gaming support.

    To fit into the smaller form factor Gigabyte have made some changes to the GTX 1070 reference design. The card has a 5+1 phase power design (upped from 4+1), a 90mm fan with a custom blade design, and

    The card can be run in two performance profiles: Gaming Mode and OC Mode. Both modes are clocked slightly faster than the standard length Founders Edition card.

    The card has a semi-passive fan which remains off until a pre-defined temperature or GPU load is reached, keeping noise levels down under light usage. The standard GTX 1070 is a 150W TDP card and we would expect the GTX 1070 Mini-ITX OC to be very similar.

    With the GTX 1060 launch only days away, details are emerging from other manufacturers of their variants. Zotac look set to be first out of the blocks in the Mini-ITX form factor with their GTX 1060 Mini, with the ubiquitous 90mm fan attached to an Aluminium heatsink.

    It’s been a while since we reported on Intel’s 5×5 boards – smaller than Mini-ITX boards with full size processor sockets. Here’s a roundup of what has been happening.

    Name Change: 5×5 has been renamed as Mini-STX.

    ASRock have announced a H110M-STX Motherboard and a H110M-STX MINI PC using this motherboard: Tomshardware have specifications.

    MSI announced a Cubi 2 Plus barebones based on Mini-STX: PC World have details.

    ECS have shown their H110SU-02 Mini-STX board and LIVA ONE and SF100 machines based on Mini-STX. MaximumPC and LegitReviews have your back for these.

    Akasa have demonstrated their fanless Euler ST enclosure. Hexus from FanlessTech this time.

    And finally, Silverstone have shown a Mini-STX enclosure of their own: TomsHardware again.

    Intel have introduced a new motherboard form factor targetted at manufacturers of miniature systems which measures approximately 2/3 of the size of 170 x 170mm Mini-ITX boards, with the ability to add up to a 65W TDP socket CPU.

    The approximation has spread to the 5×5 name – the boards more accurately measure 140 x 147mm, or 5.5 x 5.8 inches.

    We’ll let this slide as the 5×5 board shown at IDF 2015 has some interesting features.

    The socket itself looks to have a narrow mounting pattern meaning custom heatsink solutions will be required. Intel are pushing manufacturers to use copper to reduce temperatures. The most powerful 65W TDP processors will sit in taller chassis due to the increased cooling requirements.

    Much like NUC PCs, chassis designs across manufacturers will share similarities as Intel have strictly defined the position of all components on the boards, with connectors positioned on both the front and the rear. Power is provided by an external AC Adapter.

    The example board appears to have a DC input, (HDMI?) Graphics outputs and Ethernet on the rear, with a headphone output and USB on the front of the board. There is a single SATA socket for chassis variants supporting 2.5in HDD or SSDs, together with an M.2 SATA socket for solid state storage mounted directly to the board. The 2x SODIMM slots suggest at least 16GB will be supported.

    AMD demonstrated their Project Quantum at E3 this year as a showcase for their shiny new R9 Fury GPU.

    Project Quantum is a proof of concept created for AMD by the Mixer Design Group in Texas. PCWorld snagged and dissected unit #5 of around 12 units, revealing its cooling and powering secrets in all their glory.

    The nerve centre of the Quantum is an ASRock Z97E-ITX/ac Mini-ITX motherboard powered by a (shocker!) Intel i7-4790K processor.

    This is no off the shelf board though. All the heatsinks and several of the front panel ports have been removed.The ATX power connector has been flipped through 90 degrees and fitted with a powerful DC converter. A meaty AC Adapter sits outside the case entirely, providing the DC converter with plenty of power.

    The cleverest part is the cooling – a custom milled Aluminium waterblock sandwiches the board and the GPU, which all sit in the bottom half of the case together with the SSD. A pump and 180mm radiator and 3D printed reservoir sit in the top half the case, connected to the bottom by 3D printed hoses.


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    How to Apply for a Minority Business Grant (with Pictures) #small #business #grants #for #black

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    How to Apply for a Minority Business Grant

    Minority-owned business grants are meant to help small businesses that are owned by members of minority populations who are considered to be socially or economically disadvantaged. These grants can be used to expand businesses or help a business develop new technologies or training practices. In order to qualify for a minority-owned business grant, your business must be at least 51% owned and operated by individuals from a minority population and must meet any specific eligibility criteria set forth by a grant.

    Steps Edit

    Part One of Three:
    Becoming Certified as a Minority-Owned Business Edit

    Meet the criteria for Minority Business Enterprise Certification (MBE). In order to qualify for many minority-owned business grants, you must first demonstrate that you meet the criteria for and MBE. One way to ensure that you qualify is to be certified as an MBE by the National Minority Supplier Development Council (NMSDC). [1] Certification significantly helps MBEs gain access to government contracts and grants. [2] In order to be certified, you must meet the following criteria:

    • You must be a U.S. citizen.
    • Your business must be at least 51% minority-owned operated and controlled. The NMSDC considers a person to be a member of a minority group if they are at least 25% Asian, Black, Hispanic or Native American. For publicly owned companies, at least 51% of the stock must be owned by one of more minority group members.
    • Your business must be for profit and located in the U.S. or one of its territories.
    • The management and daily operations of your business must run by the minority ownership member. [3]

    Collect business documents. Depending on the type of business entity, you may need to provide business documentation including, but not limited to:

    • Partnership agreements.
    • Cancelled checks from the business.
    • Business Meeting Minutes.
    • Articles of Incorporation.
    • Bylaws.
    • Corporate Banking Agreements.
    • Business lease information.
    • Proof of citizenship.
    • Proof of business insurance. [4]

    Complete an online application. In order to become certified as an MBE by NMSDC, you must complete an online application located at http://www.nmsdc.org/mbes/mbe-certification/ The certification application may require the following information:

    • Name and contact information for the business.
    • Description of business’ products and/or services.
    • List of owners and shareholders.
    • Description of the type of business and business history.
    • Information about employees, including the number of minority employees.
    • Business owner information, including race/ethnic origin, gender, citizenship, and their role in the business.
    • Financial information about the business.
    • List of customer references. [5]

    Pay your certification fee. In order to become a certified or recertified MBE, you must pay a certification fee that is linked to the region in which you live. The certification fees range from $350-$1200. In order to find the appropriate region for your business visit NMSDC’s website at http://www.nmsdc.org/mbe-certification/. The certification process can take up to 90 days.


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    Fund a Business – Get a Small Business Loan or Credit Card #funding #a #business,

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    Funding a Business

    In order to keep business operations running smoothly, more than simple profits may be required. From start-up funds to investors, loans, and credit cards, ensuring that your business always has the financial backing it needs is essential. Knowing the most efficient and cost-effective way of generating funding can make or break your revenue stream.

    Small Business Loans

    Loans may be the single easiest way to get the money you need. With an array of sources willing to lend funds, however, finding the right one for your needs can be difficult. Finding loans specific to small businesses, both secure and unsecure, can boost your bank account and keep your business in the black.

    Special Interest Loans

    More specialized loans, like those specific for women, can be an added boon to your business if you qualify. Federal and state loans made especially with small businesses in mind can also be a way of getting the funding you need from an extremely reliable source.

    Small Business Credit Cards

    Using credit cards helps not only with large business expenses, but also with everyday business costs. Obtaining the best business credit cards with the best interest rates, including those with rewards, points, and other fringe benefits, can be an extensive search. Using our articles, you can cut down on the time it takes to find exactly what your business needs.


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    Best Small-Business Loans for Women 2017 #small #business #loans #for #woman

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    Best Small-Business Loans for Women 2017

    The quest for small-business loans for women is a bit easier these days. If you’re a female entrepreneur, your financing choices are no longer limited to bank loans, U.S. Small Business Administration loans or small-business grants.

    You can explore a host of online small-business lenders that have emerged since the 2008 financial crisis. Online lenders have less stringent requirements, but you still need some business track record. And you’ll pay higher borrowing costs compared with traditional banks.

    Here s a breakdown of our recommendations, which we’ve arranged based on how long you ve been in business, your personal credit score and the state of your company.

    If you have less than a year in business

    It can be hard to qualify for a business loan if you haven’t been operating for a full year. Most lenders want to see a track record of strong finances, a solid direction for the business and an ability to repay the debt.

    If your personal credit score is under 600

    With poor or average credit, consider Kabbage or OnDeck. Borrowing costs may be high, but both are good sources of speedy funds.

    These are good options for emergencies or short-term needs. Once you improve your finances, consider transitioning to lower-cost financing.

    For quick working capital: Kabbage offers a line of credit with a higher annual percentage rate range than an OnDeck loan, at 24% to 99%.

    For expansion capital: OnDeck provides term loans of up to $500,000 with APRs that range from 9% to 99%.

    Apply now at Credibility Capital

    Before you apply for a Credibility Capital loan, find out whether you meet the minimum qualifications.**

    • 650+ personal credit score
    • At least one year in business
    • $100,000+ in annual revenue
    • No bankruptcies in the past five years
    • Credibility Capital is unavailable to borrowers in Nevada, North Dakota, South Dakota and Vermont.

    ** Credibility Capital does not enforce hard cutoffs for credit score or revenue requirements. If your personal credit score is less than 650 but your business is performing well in other areas like revenue, you may still qualify, according to the lender.

    If you have an established business

    If you have solid finances and an established business, you have several options that provide low rates and faster funding than traditional banks.

    For faster SBA loans: SmartBiz is a good option if you’re looking for a quicker alternative to banks offering low-rate Small Business Administration loans .

    An APR of 8.24% to 8.95% and the 10-year loan term also make SmartBiz an attractive option when you want to make major investments to grow your company.

    Before you apply for a SmartBiz loan, find out whether you meet the lender’s minimum qualifications.

    • 600+ personal credit score for loans of $30,000 to $150,000
    • 650+ personal credit score for loans over $150,000
    • At least two years in business
    • $50,000+ in annual revenue
    • Personal guarantee required
    • No outstanding tax liens
    • No bankruptcies or foreclosures in past three years
    • No recent charge-offs or settlements
    • Must be current on government-related loans

    For SBA loan alternatives: If you don’t qualify for an SBA loan or need faster access to capital, Lending Club and Bond Street are good choices to consider.

    Lending Club has a term loan and a line of credit, with APRs starting at 8%, if you need financing of up to $300,000.

    Term loan

    Before you apply for a Lending Club loan, find out whether you meet the minimum qualifications.

    • 600+ personal credit score
    • At least two years in business
    • $75,000+ in annual revenue
    • Own at least 20 of the business
    • No recent bankruptcies or tax liens
    • Provide collateral for loans of more than $100,000

    Lending Club is unavailable to borrowers in Iowa and Idaho.

    Line of credit

    Before you apply for a Lending Club line of credit, find out whether you meet the minimum qualifications.

    • 600+ personal credit score
    • At least two years in business
    • $75,000+ in annual revenue
    • Own at least 20 of the business
    • No recent bankruptcies or tax liens
    • Provide collateral for loans and lines of credit of more than $100,000

    Lending Club is unavailable to borrowers in Iowa and Idaho.

    If you need more money, Bond Street offers term loans up to $1 million. However, its requirements are a bit stricter than Lending Club s.

    Before you apply for a Bond Street loan, find out whether you meet the minimum qualifications.

    • 640+ personal credit score
    • At least two years in business
    • $200,000+ in annual revenue
    • No bankruptcies in the past seven years
    • Bond Street is unavailable to borrowers in Nevada, North Dakota, South Dakota, Tennessee and Vermont.

    Other resources for women entrepreneurs

    Many organizations offer services and assistance to women entrepreneurs, including pro bono programs run by nonprofits and SBA-affiliated groups. These include programs that teach women how to start a business and train them in financial management and marketing.

    Grants

    Women-owned businesses can get help in the early stages through grants provided by government agencies and nonprofit organizations. Here are 10 places to look for small-business grants for women.

    SBA Women’s Business Centers

    The Women’s Business Centers are a network of nearly 100 educational centers around the United States that help women start and grow their businesses. These centers typically offer seminars and workshops on a range of topics, including how to start a business and tips on raising capital.

    National Association of Women Business Owners

    This national organization is based in Washington, D.C. The association, which has 5,000 members and 60 chapters across the country, offers training and information on different topics, including access to capital, government contracting and business certification .

    National Women’s Business Council

    The National Women’s Business Council works with the Office of the President, Congress and the SBA on issues related to women business owners. It also publishes research and other materials focused on women-owned enterprises.

    WomanOwned

    This network of more than 3.5 million women-owned businesses worldwide offers online business information and networking assistance. WomanOwned maintains a database where women can get information on loans, scholarships and other funding sources.

    Summary of options: Business loans for women

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