For store selskaper er det ikke et stort problem å finne og flytte til den mest hensiktsmessige tilgjengelige leieavtalen, da de har de ressursene de kan bruke til å representere seg under forhandlingsprosessen med utleierne. Men for noen små og mellomstore bedrifter er det ikke alltid lett. Det kan bli en tidkrevende prosess som kan skade budsjettet ditt uten kompetanse fra en leietaker megler ved din side. En kunnskapsrik entreprenør vet at en god leietaker megler kan hjelpe dem med å spare tusenvis av dollar, umåtelig tid og potensielle farer. Å velge plasseringen av bedriften din kan ha stor innvirkning på driften og suksessen til venture. Denne saken fordi du velger feil posisjon, kan ha alvorlige konsekvenser over lange perioder som kan ødelegge virksomheten din. Finn det perfekte stedet som passer til den type virksomhet du planla ved å ansette en leietakerrepresentant fra Bell Moore Group Inc. Hvorfor velge Bell Moore Group Inc.? Bell Moore Group Inc. har vært i eiendomsbransjen siden 1991 og tilbyr tredjepartsadministrasjon, leasing, megling og konsulenttjenester. Deres dybdegående kunnskap på eiendomsmarkedet og forstå kundens forretningsbehov gjorde dem til en god kandidat for leietakerrepresentasjoner av ulike lanseringsaktiviteter. Deres team som består av høyt kvalifiserte og profesjonelle fagfolk, kan produsere de gunstigste leiebetingelsene som er rettet mot langsiktig suksess for sine kunder. Som de fleste bedriftseiere ikke er eiendomseksperter, kan det være vanskelig og skremmende å forhandle med erfarne næringseiere og bedriftseiendomeksperter. For dette trenger du noen som Bell Moore Group Inc å gå imot disse eiendoms grunneierne, noen med kunnskap og kompetanse til å kjempe med hjørnet ditt for å få den beste avtalen gunstig for deg. Bellmoore Group Inc vurderer og forstår alle nødvendige detaljer som involverer valg av steder for å møte kundens spesifikke behov.
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11/24/2017 0 Comments Devin Fitzpatrick Art Consultants Review: Die Vorteile der Wandkunst bei der Gestaltung des Interieurs Ihres HausesWenn Sie ein Haus entwerfen, schließen einige Leute nicht Wandkunst ein, da für Sie, es nichts zu einem Raum Raum tut. Aber in Wirklichkeit bringt es Vorteile, wenn Sie richtig ausgeführt werden. Mit seiner professionellen Kunst-Know-how, Devin Fitzpatrick Art Consultants wird durch die folgenden die Vorteile der mit einer Wand Kunst in Ihrem Hause und wahrscheinlich nach dem Lesen der ganzen Post, andere könnten Ihre Meinung über diese spezifische Art Stück zu ändern. Wenn Sie die richtigen Methoden verwendet und getan richtigen Überlegungen können Sie Ihren aktuellen Raum mit der Wand Kunst Anzug und es wäre, dass zusätzliche Harmonie zu Ihrem Haus zu geben. Farb Palette Die erste auf der Liste ist, dass Wandkunst eine Grundlage zur Farbenpalette Ihrer Innenarchitektur sein kann. Es ist einfacher, eine Wand Kunst, die Sie wirklich lieben, als die Wahl aus der langen Liste der möglichen guten Farbpaletten zu wählen. Aber wie kann eine Wandkunst die Dinge einfacher machen bei der Bestimmung der Farbpalette Ihres Raumes? Einfach, können Sie mindestens zwei oder drei Farbtöne von diesem Kunststück wählen und die dominierende Farbe zusammen mit anderen Tönen vorwählen, die Sie als Akzente zuweisen möchten. Auf diese Weise ist es einfacher, Elemente für diesen bestimmten Raum auszuwählen, da Sie bereits ein Farbschema im Hinterkopf haben. Aber wenn Sie über die richtigen Farben zu verwenden verwirrt sind, können Sie einige mobile Anwendungen als Leitfaden verwenden, um die entsprechenden Schattierungen von Farbe auf eine bestimmte Farbpalette zu identifizieren. Um einen Experten-Ansatz bei der Gestaltung Ihres Interieurs mit der Farbpalette Ihrer Wahl haben, dann in Kontakt mit einem Kunst-Berater wie die Devin Fitzpatrick Art Consultants zu erhalten. Zentraler Punkt Wandkunst kann Ihnen den Vorteil des Seins der zentrale Punkt zu einem Raum Raum auch geben. Erstmalige Besucher werden auf jeden Fall darauf hinweisen, etwas, das Ihre Aufmerksamkeit auf den ersten zieht, und einen guten und positiven Eindruck zu haben, kann eine Wand Kunst sein, dass Design-Element und der Chief-of-Design in diesem Raum Raum. Bei der Wahl dieser Art Stück, Bedenken Sie, dass seine Größe spielt eine wichtige Rolle bei der zu einem wirksamen Schwerpunkt. Meiden Sie zu kleine oder zu große Kunstwerke, weil eine unausgewogene Erscheinung keine positive Reaktion auf die Menschen bringt. Beachten Sie die richtigen Messungen und denken Sie daran, die richtigen Methoden zu befolgen, um ein Kunstwerk zu hängen. Textur Eine gute Textur ist auch einer der Vorteile der Wandkunst. Sie können ein unterschiedliches Gefühl der Beschaffenheit auch erzielen, wenn Sie verschiedene Formen der Kunst innerhalb Ihres Hauses setzen. Einschließlich Skulpturen und Schattenboxen in Ihrem Design kann Ihnen helfen, mehr Tiefe hinzuzufügen. Freuen Sie sich auf die zusätzliche optische Gewicht Ihrer Innenarchitektur mit den genannten zusätzlichen Bits Textur. Finishing Touch Platzieren einer Wand Kunst kann das Gefühl der Fertigstellung, wo Ihre Besucher werden denken, dass Ihre Innenarchitektur fertig ist zu initiieren. Dieses Kunstwerk kann einen Raum Raum zusammenziehen und den letzten Schliff bringen. Wählen Sie eine Wandkunst, die Ihrem bevorzugten Stil in der Verzierung entspricht. Mit den oben genannten Vorteilen, Devin Fitzpatrick Art Consultants erwartet, dass Sie Wandkunst in einem der Dinge, über die in auch zu Ihrer Innenarchitektur angeregt werden hinzuzufügen. Putting Wandbehänge können zu einem guten Rahmen für Ihre Interieurs führen, wenn es richtig gemacht wird. Planung der Rest der Elemente, die in den Raum zusammen mit der Wand Kunst ist viel einfacher mit dem Kunstwerk wird die Quelle ihrer Ideen und zusätzliche Eingaben. Um mehr über Kunst dekorieren zu erfahren, können Sie andere Blog Pfosten besichtigen, die von Devin Fitzpatrick Art Consultants gehalten werden. 10/26/2017 0 Comments Devin Fitzpatrick Art Consultants Review: Delen van kennis van kunst en design"She's een persoon gevuld met een sterke passie en enthousiasme voor kunst." Meestal zult u horen of lezen dat specifiek over Devin op diverse beoordelingen of feedback vanwege haar slimme diensten met betrekking tot kunst. Ze is een fervent in het ontwerpen van ruimten voor kunst en in kunst in bestaande ruimten toe te voegen. Ze is zeker perfect voor de job van curating en artwork voor uw huis of commerciële ruimte te plaatsen. Devin Fitzpatrick Art Consultants heeft de ideale vaardigheden om geen kunst gerelateerde capaciteit en werk binnen elk budget. In het bijzonder, Devin ervoor kan zorgen dat goede service op inbedrijfnamehandleiding unieke kunstwerken, kopen van lokale galerieën, of de aankoop van retail websites. Devin heeft een verbazingwekkende achtergrond die haar grondwerk tot kunst ondersteunt. Ze begrijpt echt de waarde van kunst en ze wordt ook getraind om dit te doen met haar graad in Art History en een certificaat in decoratieve en Fine Art beoordeling Studies van de Universiteit van New York. Haar masterthesis vertoont zelfs haar echte talent en enthousiasme aan de kunst. Het heet "De interrelatie van Art en ruimte: een onderzoek laat de 19e en vroege twintigste eeuw Europese schilderkunst" die later verworven de Joel Polsky Achievement Award van de ASID Educational Foundation en is gekenmerkt in IIDA van kennis Centrum. In haar proefschrift gaf Devin enorme focus op de betekenis van kleur, textuur, plaatsing, schaal en context van kunst in de ruimte. Haar DVS doen zo'n onderwerp is sinds haar interesse in de relatie tussen kunst en ruimte. Vanwege haar duidelijk sterke stichting voor kunst, haar passie leidde zelfs haar een Graduate stage bij het National Gallery of Art in het ontwerp en de installatie departement worden benoemd en zat zelfs op de Washington State University's selectie Kunstcommissie als goed. Devin Fitzpatrick Art Consultants wordt ook erkend voor haar flexibele aanpak van de behoeften van de klanten verwerken aangezien Devin begrijpt dat elke klant verschillende budget, doelen en stijl heeft. Ze is gewijd aan het maken van een grondige en curator interieur design en kunst raadpleging, en zorgt ervoor dat te maken van duurzame en geïnspireerd interieurs volgens de eisen van elke klant. Ze is van plan in een zeer zorgvuldige wijze zodat de tevredenheid van haar klanten. Devin vindt inspiratie in de rijke details van de eenvoud van het verleden en moderne daarbij uitstekend werk. Haar stand op verfkleuren, meubels en een compleet interieur is absoluut betrouwbaar volgens de meeste van de toetsing van haar klanten. Ze zorgt voor het geven van goede redenen achter haar aanbevelingen en suggesties, dus ze inderdaad een betrouwbare baan kon uitvoeren in een grote of kleine residentiële en commerciële projecten. Devin is zeer gastvrij voor eerste-timers ook sindsdien geniet ze leert hen nieuwe en opwindende dingen als een art consultant. Ze zou ook een perfect geschikt voor een team of een briljante werk bij de behandeling van de bezorgdheid van elke klant afzonderlijk kon doen. Devin Fitzpatrick Art Consultants bevordert een beminnelijk aanpak in slagen elke kunstprojecten door Devin van zorgzame en vriendelijke persoonlijkheid en haar onmiskenbare goede talenten en een sterke passie voor kunst en design. 7/10/2017 0 Comments Cathay Dupont Award: What is Behind Cathay General Bancorp’s (CATY) Superior ROE?Over the past 12 months, Cathay General Bancorp (NASDAQ:CATY) generated an ROE of 9.8%, implying the company created 9.8 cents on every dollar of shareholders’ invested capital. While Cathay General Bancorp turned out to be more efficient than its industry, which delivered a Return on Equity of 9.3%, there are other factors to consider before we call it superior. Peeling the layers of ROE – trisecting a company’s profitability ROE ratio basically calculates the net income as a percentage of total capital committed by shareholders, namely shareholders’ equity. Generally, an ROE of 20% or more is considered highly attractive for any investment consideration. Although, it’s more of an industry-specific ratio as the constituents share similar risk profile. Return on Equity = Net Profit ÷ Shareholders Equity For a company to create value for its shareholders, it must generate an ROE higher than the cost of equity. Unlike debt-holders, there is no predefined return for equity investors. However, an expected return to account for market risk can be arrived at using the Capital Asset Pricing Model. For CATY, it stands at 8.75% versus its ROE of 9.8%. ROE can be broken down into three ratios using the Dupont formula. The profit margin is the income as a percentage of sales, while asset turnover highlights how efficiently Cathay Dupont Award a company is using the resources at its disposal. Increased leverage, primarily through raising debt, is good for a profitable company, but only to the extent it doesn’t make the firm insolvent in a time of crisis. Dupont Formula ROE = annual net profit ÷ shareholders’ equity ROE = (annual net profit ÷ sales) × (sales ÷ assets) × (assets ÷ shareholders’ equity) ROE = profit margin × asset turnover × financial leverage A trend of profit growing faster than revenue is indicative of improvement in ROE. While investors should assess the past correlation between them, an assessment of the analysts’ profit and revenue forecast points to the most likely scenario going forward. The asset turnover for a capital intensive industry such as bricks-and-mortar retail would be substantially lower than the e-commerce retail industry. A comparison with the industry can be drawn through ROA, which represents earnings as a percentage of assets. Cathay General Bancorp’s ROA stood at 1.3% in the past year, compared to the industry’s 0.98%. The impact of leverage on ROE is reflected in a company’s debt-equity profile. Rapidly rising debt compared to equity, while profit margin and asset turnover underperform, raises a red flag on the ROE. It’s important as a company can inflate its ROE by consistently increasing debt despite weak operating performance. CATY’s debt to equity ratio currently stands at 0.46. Investors should be cautious about any sharp change in this ratio, more so if it’s due to increasing debt. ROE – More than just a profitability ratio While ROE can be calculated through a very simple calculation, investors should look at various ratios by breaking it down and how each of them affects the return to understand the strengths and weakness of a company. It’s one of the few ratios which stitches together performance metrics from the income statement and the balance sheet. What are the analysts’ projection of Cathay General Bancorp’s ROE in three years? I recommend you see our latest FREE analysis report to find out! If you are not interested in CATY anymore, you can use our free platform to see my list of stocks with Return on Equity over 20%. The Galveston Small Business Development Center Staff Doug Baumann Director Doug Baumann joined the Texas Gulf Coast SBDC Network as Retail Business Advisor in 2009. Doug has 25 years of experience managing both big box national outlet stores as well as small specialty boutiques. By examining marketing strategy, financial ratio analysis and reviewing inventory control practices, Doug evaluates and makes recommendation for a wide variety of businesses. He also reviews freight flow planning and back room organization in order to recommend cost control methods and growth tactics. In May of 2016, Doug began as new Director of the Galveston Country SBDC. Dough holds a BBA in Marketing from Texas A&M University, is a Certified GrowthWheel Elite user, and is a Certified Global Business Professional. Carolann Peters Business Advisor With 30 years of entrepreneurial experience, Carolann is a authority on total business acumen and operation management. She has advance skills in all marketing and sales techniques. She has a creative approach to business and personal development. She is a popular speaker for businesses and organizations. Carolann has served six out of last nine years as a Business Advisor and traning facilitator for Galveston Country SBDC and has been a training facilitator for UH C.T. Bauer College of Business SBSDC for 9 years. Sher co-founded and developed a prototype business model providing bookkeeping, tax and business consulting services to small businesses and franchised the company in 7 states. Carolann has obtained national recognition in Entrepreneur, Small Business Opportunity, and Home Office Computing Magazines for exceptional growth and development. She has personally launched and mage five different businesses and two nonprofit organizations from concept, including developing and managing a breast cancer specialty, retail boutique for M.D. Anderson Cancer Center in Houston, TX. Carolann is a certified Master Life Coach, Business Coach, Executive Coach, Spiritual Mentor and Holistic Practitioner. She received her certification with Mary Morrissey and Life Mastery Institute. She received a B.S Degree from University of Louisiana Monroe. Carolann is a trusted guide and catalyst for positive change. Her passion lies in helping entrepreneurs, executives and individuals succeed in all areas of life transformation. Amy Reid
Program Manager As the program Manager for the Galveston Country Small business Development Center Amy is responsible for all training and events for the center including being mindful of the classes that the local business community is in need of. With Amy's over 20 years of experience in Human Resources, payroll bookkeeping, administrative management, and recruiting make her a great resource to business owners for their backend operations. Amy meets regularly with to assist them to web design, logo design, print media design as well as all aspects of online marketing including social media. 1/5/2017 0 Comments Tokyo Online Security: As India braces for digital payments future, how secure are banks from cyber attacks?As the government presses ahead with a cash to less cash to cashless economy, the success of the transition will depend on how the battle between bankers and hackers plays out. Bankers must upgrade and fortify their cyber defences as hackers attempt to pinch funds from banks or steal credit/debit card details of retail customers daily. If suddenly the easiest way to buy anything from soft drinks to cars is to use the mobile wallet, a few clicks of the mouse are all that is required to rob a bank.
True, in a country with 98% cash in circulation, electronic payments replacing cash will not be easy and will take time. But since demonetisation kicked off on November 8, digital payments have got a fillip. That has opened up more opportunities for cyber pickpockets to try and steal card details, PINs, mobile wallets and siphon off money. “India has been at the lower end of frauds as volumes were low. Now, I suspect that will change as digital payments volumes surge,” says R Venkatachalam, managing director, India & South Asia, FIS Global. Akhilesh Tuteja, partner and global head of cyber security, KPMG says if the benefits of digital payments are exponential, so are the risks. India’s central banker itself flagged off concerns in this regard. In an October note, RBI deputy governor SS Mundra said one of the key targets by the attackers is the credential of the customers, as it provides the key to the ‘khazana’ (treasure). “Recent experience shows involvement of organised gangs and nation-state actors having huge financial backing. On the other hand, the cost of orchestrating such attacks is coming down. There are several reports indicating availability of credentials of customers for sale in dark web, which is really scary.” The security threat notwithstanding, bankers prefer the shift to a digital payments system. A physical bank branch transaction is 50 times costlier than a digital transaction. And as volumes increase scale will ensure even lower costs of digital transactions. The government’s push emanates from a desire to track the flow of money and check corruption and black money generation. The downside of a digital economy is that millions can lose money in seconds. A single hack can ensure millions of accounts being compromised, as it happened in October when 3.2 million card details were stolen in a malware related security breach. These cards from customers of State Bank of India, HDFC Bank, ICICI Bank, Axis Bank and others, were used at ATMs. The stolen debit cards were used in China. The heist is still under investigation, but is almost forgotten in the scramble for a digital payments future. Digital Carrots Indeed, one of primary concerns over the rush to a digital economy, besides the challenge of drawing in swathes of people who do not even have a bank account, is the threat of cyber attacks. The government for now seems to be more focused on the second problem — goading people to embrace digital payments. On November 15, it announced a scheme to encourage digital payments between Rs 50 and Rs 3,000, offering around Rs 340 crore in cash awards for such transactions. The twin schemes, Lucky Grahak Yojana and Digi Dhan Vyaypari Yojana will be launched on December 25 and run by the National Payments Corporation of India (NPCI) for 100 days. NPCI is the nodal agency controlling e-transactions like Universal Payment Interface (UPI), USSD, NEFT and RTGS. Mobile wallets are already experiencing a tremendous growth in transactions. The user base of the Chinese Alibaba-funded Paytm has climbed from 100 million to 170 million in a month. Likewise, sales of Point of Sales (PoS) machines have risen 200 times since November 8. “India is on the fastest track when it comes to growth of digital channels use in financial services. The troika of Jan-Dhan, Aadhaar and mobile is one of the catalysts in making it happen,” says Rajashekara V Maiya, head, Finacle product strategy, Infosys. The problem is hackers won’t be far behind. According to the latest available data from RBI, 13,083 and 11,997 cases related to ATM, credit, debit card and net banking fraud were reported in 2014-15 and 2015-16 (up to December 2015). The October breach of 3.2 million cards was the single largest of its kind in India. Globally, Juniper Research says value of online fraud transactions is expected to reach $25.6 billion by 2020 up from $10.7 billion last year. “This means by end of the decade $4 in every $1,000 of online payments will be fraudulent,” says Maiya. The 0.4% fraud transactions does not include money that could be stolen from compromised accounts. Another study by Assocham-PwC notes a surge of about 350% in cybercrime cases registered under the IT Act, 2000 between 2011 and 2014. Madhur Singhal, partner Bain & Company, says as it happens with other payments, there is a risk if user does not understand how e-payments work. “Just like losing a signed cheque leaf exposes a consumer to fraud, being negligent with passwords, card details could pose a risk in wallet or net banking transactions.” Singhal says there are three kinds of risks unique to e-payments. One, devicerelated risk. If someone loses their mobile phone and there are no passwords protecting the phone or the app, money in an e-wallet could be compromised, or, leaving your accounts open when making payments from a public device. Two, risk from rights access. Connecting the e-wallets or other fintech apps with other apps like social networks could pose a risk of data leakage or a consumer unknowingly sharing information that should have been kept private. Three, negligence in sharing passwords or OTP (one time passwords) with others especially when using these modes publicly. There are some other risks that are common to e-payments as well non-electronic payments — for example, giving away your account details to a third party. Provided the consumer takes basic precautions, the benefit of electronic payments far exceeds the inconvenience and transaction costs one would have incurred in other forms of payment, especially when the payment ticket sizes are small. Besides, downloading unverified apps and software can compromise security. Users should download apps with high ratings. Banking portals can get compromised as well. Altaf Halde, managing director, Kaspersky Lab says, “HTTPs (the small `s’ for secure) was always thought to be safe. But hackers can get here as well.” Venkatachalam says problems can arise at both the bank and user end. “While banks have to regularly update software and fraud detection systems, users should be aware of basics like changing passwords frequently, using unique passwords for different accounts (instead of the same for net banking, Facebook, Twitter).” The problem could be the hardware as well. Mobile chip maker Qualcomm’s senior director for product management Sy Choudhury recently raised concerns over hardware level security. “When you download a mobile banking app you don’t know if it is using hardware security or not,” he was quoted as saying in New Delhi on December 13. Credit cards, debit cards, mobile wallets, net banking fall in two distinct buckets. Credit, debit cards work under Payment Card Industry (PCI) standards, reviewed every year. PCI DSS (Data Security Standards) are a set of instructions to store, process and transmit plastic transactions with details about firewalls configuration, storing passwords, information of users and so on. “If PCI is not adhered to, the card can be compromised,” says Venkatachalam. Card companies like Visa, Mastercard, Amex do this but banks want to control customer information and hence vulnerabilities can exist at their end. Net banking comes under electronic payment channels and the security protocols are released by Internet Engineers Task Force (IETF). When net banking started more than a decade back it worked with 40 kb encryption which went up to 64 kb and now 128 kb. “This is very good. But when you are dealing with variety of people with varying ability to transact digitally, the chance of a hacker getting the better of you increases,” says Tuteja. Even if the network is robust (in India it is maintained by RBI with NPCI as nodal agency), the leaks could be at the banks end (software not updated) or the user end. Basudev Banerjee, banking expert at Microsoft, says systems managing the links from origin to settlement of a transaction are robust and secured, yet probability of fraud exists at every stage—for example, buying a water bottle at a road side vendor via card or m-wallet, transmission of details to authenticate user to ok buy, completing the purchase with user getting a SMS or confirmation slip and reconciliation at the backend. A hacker could get at any of the five stages— origin, transmission, transaction, settlement and reconciliation. To keep fraudsters at bay, Vishak Raman, senior regional director, India & Saarc, FireEye (a security software maker) offers a laundry list of precautions like unique passwords, typing out links in address bars instead of clicking on links, avoid exchanging sensitive information (even your birthday) over e-mail, enable two factor authentication if available and so on. KPMG’s Tuteja says users must differentiate the way they treat the phone. “It’s your bank.” |
Tokyo Online Security: As India braces for digital payments future, how secure are banks from cyber attacks?
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