Columnist Spotlight Archives

How To Get A Bank Loan Approved

bank loan
July 17, 2012 by in Columnist Spotlight | Finance

Banks, in general, have done a poor job of informing businesses what it takes to get a bank loan approved. In the bankers’ world, many of the most important considerations are what we refer to as the Five C’s of Credit: Capacity: History of positive cash flows The best predictor of a business’s likelihood of… Read More →

Creative Financing: Innovative Options For Funding Business

Creative Financing: Options for Funding Business

Whether you are just formulating a business plan for launch or you already have a company that is in need of a cash infusion, bank loans are often unattainable if you don’t meet the proper requirements. Fortunately, there are a variety of creative ways to fund the growth. If your banker turns you down, instead… Read More →

Do You Have An Investment Style?

Investment Style

Many investors rely on their expertise, or their advisors’ expertise, to develop and follow an investment style. These styles are important and can help provide direction and assist in making investment decisions. Investment styles are developed based on many factors, including age, gender, income, family, wealth, tax situation and previous investment experience. These factors play… Read More →

Four Ultrabooks Rising To The Top

Ultrabooks

If you’ve been watching the laptop market recently, you’ve noticed the buzz around “ultrabooks,” a new breed of laptops coming out from every major PC manufacturer. Ultrabooks blur the lines between notebook, tablet and high-powered machine; they go for around $1,000 (give or take) and have evolved significantly since their big introduction earlier this year.… Read More →

SMACNA Arizona Helps Build Careers In The Construction Industry

SMACNA Arizona

A career in the construction industry can be a fulfilling experience, particularly if proper education and training is received. And, with a tight job market, it makes sense for those who want to become a highly-trained, skilled craftsperson in the sheet metal, heating, ventilation and air conditioning (HVAC) field. SMACNA Arizona, the Arizona chapter of… Read More →

Hiring Tips: Finding The Right Person For The Job

hiring tips

Just as in your love life, you may have to kiss a lot of frogs before you find the right prince for you. The same is true in business; you may have to try out a few employees before you find the right fit for your organization. After running a successful business for more than… Read More →

Valley Forward Showcases Environmental Excellence

environmental excellence

It may not be easy being green but in today’s world, it might be the only way for companies to survive. Consumers are increasingly attracted to “greener” options, forcing organizations of all sizes and industry sectors to reevaluate how they operate. Those that figure out how to do it right see a wide range of… Read More →

To Tweet Or Not To Tweet: The Benefits Of Twitter For Business

Twitter

In February 2012, registered Twitter users officially hit 500 million. Despite the significantly growing population of tweeters ― approximately 11 new accounts are added every second ― there are many business people still asking, “Why should I be on Twitter?” The social media platform that limits posts to 140 characters appears to non-users as a… Read More →

6 Steps To Selling Your Business

selling your business

Don’t ignore one of the most vital elements of your business plan, the exit strategy. Here are key business practices for selling your business. If you’re a typical small business owner, you spend more of your time working on today’s issues than tomorrow’s potential. That may keep the doors open for now, but what about… Read More →

Time Value Of Money And Planning

value of money

Understanding the general concept of the time value of money can help consumers plan appropriately for future needs and today’s wants. This concept applies to how a consumer may save, invest and make decisions on lending needs. Many of us are familiar with the idea that the earlier one starts saving the more he or… Read More →

What Your Financial Statements Can Tell You About Your Company

financial statements

You don’t have to be a CPA or rocket scientist to decipher the information on financial statements. If you have been intimidated or reluctant to take the time to learn to read your company’s financial statements, now is a great time to learn. Below are a few quick and easy steps to untangle the web… Read More →

Valley Community-Based Project Transforms Vacant Lots

vacant lot

Build it, and they will come: Transforming underutilized, vacant lots throughout Valley communities Valley communities need to come together and make lemonade! Isn’t that what you’re supposed to do when life hands you lemons? Let’s start by transforming the many underutilized and vacant lots throughout our communities into productive gathering spaces that contribute to our… Read More →

The Be Kind People Project, Cycle For Success Combat Bullying

The Be Kind People Project

What started out as a small gathering of women who shared a commitment to learning, creating, helping and supporting others in meaningful ways may very well help the state of Arizona combat bullying in its schools. The program – The Be Kind People Project. “We actually got our start in my home,” said Marcia Meyer,… Read More →

Preparing The Office For The Summer, Vacation

vacation - sitting at the computer outside

Summer can be a challenging time for business owners and families alike. The temperatures are well into the triple digits, kids are off from school, and employees want to take a vacation from the triple digits with their kids. As for the business owner, he/she still has several business goals and objectives which must be… Read More →

Get Your Ads Noticed, And Other PR Lessons

Get your ads noticed

How to get your ads notice ― and other lessons in public relations Advertising can be vital to attracting attention to your business, but it’s not all that gets customers through the door. For companies touting consumer-related products and services, the role of public relations is crucial to extend the impact and credibility of advertising… Read More →

The 5 C’s of Credit: 
What Do They Mean To Your Small Business Loan?

5 C's of Credit

One of the most common questions among small business owners seeking financing is: “What will the bank look for from me and my business?” While every bank has its own unique criteria, many use some variation of the five C’s of credit when making credit decisions. Broadly speaking, they are: Character Cash flow Collateral Capitalization… Read More →

Understanding Economic Concepts, Applying In A Global Perspective

Economic concepts

Within the past few decades we have become a global economy, which adds great opportunity but also risk. Our global economy is affected by many more factors today and is connected deeply with other countries. How does this affect the United Sates? It can affect us in many ways. Before analyzing our global economy it’s… Read More →

Protect Your Business From White-Collar Crime, Embezzlement

Embezzlement

In a tough economy, white-collar crimes are more rampant than ever. A study by Marquet International, Ltd. on 2010 embezzlement data found that the average scheme lasted more than 4.5 years, the average loss was $1 million and two-thirds of the incidents were committed by employees who held finance and accounting positions. Whether you run… Read More →

Five Great Apps For Mobile Finance

Mint.com screenshot

Mobile finance is about to boom (some say we’re already there). You may have dabbled a little with your own bank’s mobile app for easy money transfers and to check balances. Or you might be quite savvy with Google Wallet and PayPal on your phone. There are a myriad of new apps to help you… Read More →

Fitness Apps: A Rewarding Way To Achieve Your Goals

Fitness Apps
April 25, 2012 by in Columnist Spotlight | Mobile | Tech

Yes, “there’s an app for that.” Some provide the most important element – FUN! They can be rewarding, literally rewarding. I’m talking about real cash and prizes. Whether you’re just getting started or feel the need to accomplish more, a great software application can give you an edge to achieve your fitness goals. Many integrate… Read More →

From Development to Realizing Dreams: Encouraging Students’ Growth

Dreams

Last night as I am turning off the last light before bedtime, I hear “singing” (if you can call it that) coming from my daughter’s bedroom. As I peaked in the door, she had her eyes closed, iPod headphones plugged in her ears, singing as loud as she could. It reminded me of a Christmas… Read More →

Democratic Process, Both Frustrating And Rewarding

Democratic Process And AZ Parks

Talk about good news/bad news and all in a single day – that’s the democratic process in action for better or worse! As an advocate for Arizona State Parks, I was disappointed that Gov. Brewer vetoed House Bill 2362 introduced by Rep. Karen Fann. Her bill would have protected earned income by state parks, such… Read More →

10 Things To Do When Business Is Slow

Business Is Slow

No matter what business you’re in, no matter how great your product, no matter who’s buying, every business goes through a lull or slow period during the year. Making strategic use of this time can help businesses lay a solid foundation for the months and years that follow. If you’re in a specific industry, you… Read More →

Consumer Behavior Sparks Ideas For New Products, Expanding Markets

consumer behavior

Marketing turns something old into something new: Consumer behavior sparks ideas for new products, expanding markets. Introducing a new product to market can take years of research and expense. Or it can be as simple as taking something already in existence and marketing it for a different purpose. Creating or discovering a whole new use… Read More →