Why Buisness Propsal Is Important

 

BookTrib’s Bites: Health, Self-Help, Spiritual and Comedic

(NewsUSA)"A Heart’s Landscape"
by Susan LaxUnlock a moment of joy in each day no matter how challenging times may be. Let this beautiful collection of stories, poems and words from the garden of the author’s heart offer insight, comfort and healing.Some days we find ourselves on autopilot, forgetting the preciousness of being and losing touch with our creative spirit. But on other days, our being fills with excitement. Author Susan Lax explores the gifts of awareness and encourages the reader to be present in the moment. Lax offers a path to an attentive heart. On every page, her words and timeless photographs meet your soul in the perfect place. In times of grief, illness or life transitions, you’ll find healing and strength within these pages. Purchase at https://amzn.to/31DoCIo."Schmooze: What They Should Teach at Harvard Business School"
by Cody Lowry"Wow! Self-help and motivation for millennials, baby boomers, and everyone in between."– Tim Gannon, co-founder of Outback Restaurants.In this inspirational chronicle, entrepreneur Cody Lowry shares how the events in his life led him to become a motivational force in the lives of others. He’ll share how being raised by a single mother prepared him for an extraordinary life. His odd job stories will demonstrate how reinvention is always possible.And with his marvelous storytelling technique, Cody will encourage readers to look at their lives differently. Through humorous, real-life stories, he’ll arm them with a new definition of the word "schmooze" that will empower them to unleash their full potential. Purchase at https://amzn.to/3kyZGs5."Books of God"
by Michael Haghighat There are approximately 4.4 billion Christians, Muslims and Jews. Wouldn’t it be awesome if their common beliefs rooted in their common God-given truths were represented in the global order by a world religious organization?This book distills the common truths and fundamental differences of Judaism, Christianity and Islam. The author believes the major religious institutions need to adopt a set of core principles based on our common truths and assert themselves as an active united front. In this global order, our major religious institutions can work as one united entity alongside our governments and major commercial enterprises to eradicate hunger, poverty, injustice, inequality, environmental degradation, greed, war and other evils. Purchase at https://amzn.to/3n71f1P."Laughing with Old Abe"
by A.T. KabambayAbraham Lincoln is the most adored of all American presidents, but oddly enough, two of his unparalleled qualities have completely escaped scholars: of all the presidents, he is the greatest jokester and the most religious.In this succinct biography of the 16th President of the United States — perhaps the funniest biography of all time — discover the most hilarious stories and anecdotes Lincoln has told or experienced in his lifetime. In this difficult time of the pandemic, economic uncertainty and global warming, enjoy the opportunity to laugh with Old Abe. Written by a passionate historian and researcher who specializes in American history, specifically Lincoln and the American Civil War. Purchase at https://amzn.to/3cg4AWp.NOTE: BookBites is presented by BookTrib.com.

Keep Your Utility Bills Down as Home Heating Costs Rise This Winter

(NewsUSA) – Winter 2022 promises the perfect storm for soaring home heating bills. The convergence of surging energy prices, plummeting temperatures and escalating demand means optimal energy-efficiency is more challenging and critical than ever.Rising global energy prices hit home with forecasts indicating households could see their bills increase up to 54%, according to The United States Energy Information Administration. Further, forecasters including the National Oceanic Atmospheric Administration and the Farmer’s Almanac predict a colder-than-normal season. Rounding out this frosty trifecta, the COVID-19 pandemic has led to the rise of remote work which is set to accelerate and become a more permanent fixture as of 2022, industry observers say.The good news is that families can prevent a utility-bill blitz by following a few simple tips. With home heating and cooling accounting for nearly half of home energy use, small steps can go a long way.

Continue Reading: Keep Your Utility Bills Down as Home Heating Costs Rise This Winter

If You Need Help Advertising, NewsUSA & Its Staff Can Help

(NewsUSA) – Post-pandemic, it’s more important than ever that businesses promote their services, offerings or events. But how to do that if you’re on a budget?There are several ways to get your company’s message out: stating the company mission (the equivalent of a business resume) on its website, employing a public relations firm to garner exposure through earned media, or advertising — that is, if you have the money to pay for it.The problem is that small, niche companies need the same exposure (if not more) than the Fortune 500 companies, but are hamstrung by limited resources.Fortunately, advertising doesn’t have to be exclusively PR-centric, but can be a blend of traditional and effective strategies, according to PR News.In this way, Washington D.C.-based NewsUSA does exceptionally well by specializing in writing matte releases — feature articles that help to fill space in newspapers and online media — for its clients.NewsUSA guarantees product placement (around 1,000-1,400 placements per story) for its clients in various media outlets around the world, including television sites and hundreds of digital and print newspapers."NewsUSA’s strength is that it has all these contracts and relationships with newspapers and online media sources that have been built over years and can be trusted for writing and editorial," said Rick Smith, CEO of NewsUSA. "In terms of mass marketing to the consumer, for some of the budgets that these companies have, there just aren’t a lot of options. That’s where NewsUSA comes in."For NewsUSA client Security Equipment Corporation (Sabre), it granted access to media outlets that the company wouldn’t have had otherwise."As a first-time user of NewsUSA, I was pleasantly surprised, not only with the number of placements we got, but the quality of our placements," said Marisa McKay, marketing manager for Sabre. "Our content was placed in high-profile publications that we wouldn’t have been able to afford if we had to buy traditional advertising space."As a result, the family-owned and -operated manufacturer of the top brand of pepper spray had three stories distributed to more than 3,600 news outlets, both online and in print, for a total reach of more than 90 million readers nationwide. The ad value equivalency of the campaign was more than $1.1 million.Another client, Star Clippers, also saw a huge return on investment when it engaged NewsUSA to write five stories about itsultimate cruising vacation alternative — a tall ship mega-yacht experience aboard authentic re-creations of the classic sailing clipper ships that ruled the waves during the 1800s.In return, Star Clippers garnered more than 6,000 placements that reached more than 319 million readers nationwide, for a total ad equivalency of $3.8 million.For more information, visit www.newsusa.com.

The Future for the Internationalization of Chinese Home Appliance Enterprises

(MS) – Hisense’s future development should continue to focus on high-end products, but meanwhile expand its business-to-business (B2B) industry, says Zhou Houjian, the chairman of the Hisense Group.Hisense’s monthly revenue from the international markets has exceeded $800 million, which marks a great achievement. But, the company has yet to put more money in its research and development in the B2B industry. Zhou Houjian points out that going overseas in the B2B industry is a clear strategy of the Group to deal with uncertain business risks in the future.The Group now owns 54 overseas companies and offices, 11 research and development institutions, 18 industrial parks and production bases. Over the past many years, Hisense has gone from a little-known brand to one of the most popular Chinese brands among international consumers and has become a truly international brand.As a matter of fact, Hisense Group’s plan to set foot in the overseas B2B industry has long been clear. Since the beginning of this year, in the annual Canon Fair and the China Africa Economic & Trade Expo, the Group has debuted new lines of B2B products such as color ultrasound devices, smart transportation solutions and commercial display solutions.The overseas sales of Hisense commercial display products, increased by more than 240% in the first 10 months of 2021. Hisense commercial displays can now be seen in the Parc des Princes stadium in Paris, BP oil gas station in UK, KFC restaurants in Poland and the ice hockey arenas in Norway.In August of this year, Hisense Medical received a big order of medical displays from South Africa, a milestone in its overseas medical display business.Zhou says that next year, going overseas will become an even more important strategic development direction for Hisense’s B2B industry, which showcases the Group’s resolve in industrial transformation and upgrading. The Group will give key support in terms of human and financial resources. The acceleration of overseas B2B business expansion will catalyze Hisense technologies global influence.

Three Financial Planning Tips for New Parents

(NewsUSA) – New parents have so much to think about that financial planning may not be at the top of the list. However, once sleep deprivation wears off, new parents will be thankful if they have completed some financial planning in advance."Smart financial planning not only protects families against unexpected bumps in the road, but also teaches children good financial habits," says Brad Ledwith, a CERTIFIED FINANCIAL PLANNER™ professional.Three key financial considerations for new parents or parents-to-be include:Life Insurance Plans. When you become a parent, it’s time to be proactive about life insurance. If you don’t have a policy, get one to ensure that your family is provided for in the event of your death.Remember that both parents need policies, even if only one parent is employed. "Term life insurance is generally a good option for new parents because of its affordability and provision for income loss in the event of one parent’s death," Ledwith explains.Education Savings Accounts. With the cost of tuition rising annually, it is never too early to think about college savings options. Consider setting up a 529 plan, which allows parents, grandparents and others to deposit money into an account that grows tax-free.The proceeds must be used for education purposes. The details vary by state, so be sure to check the rules of your state. Go-to sites for more information on 529 plans are Savingforcollege.com, American Funds and College America.Custodial Accounts. Custodial accounts are a great way to keep monetary gifts to children in a safe place with no restrictions on future use. Funds in a custodial account can be used toward cars, housing, vacations or any other expense.Custodial accounts also serve as educational opportunities. As children learn how to save, delay gratification and work toward a goal, a custodial account gives them an opportunity to learn about fiscal responsibility. When your child is older, you can teach him or her how to buy stocks with some of the money in a custodial account."Eventually, the child will wind up with the means to finance something that will serve him or her for years to come, such as a car or their first apartment. It’s a fantastic lesson about how money can work for you," says Ledwith.Key financial decisions for your family happen at all life stages — whether it’s budgeting to help afford everyday expenses when you have children, seeking tax breaks to help you save for college or planning to financially protect your family if anything happens to you. Working with a CFP® professional can help you adapt your finances to meet the needs of your growing family. Visit LetsMakeAPlan.org for more financial tips and savings information. 

Students Around the Globe Participate in CME Group’s Trading Competition

(NewsUSA) -It’s a unique educational opportunity when students get to experience the enthusiasm, energy and decision-making behind real-time trading. That’s why CME Group, the world’s leading and most diverse derivatives exchange, hosts an annual electronic trading competition for students all around the world to partake in.During this year’s event, students learned hands-on techniques for trading agriculture, energy, metals, equity indices, interest rates and foreign exchange futures contracts using CQG’s real-time simulated electronic trading platform. Throughout the challenge, students also received live market updates through Dow Jones newsfeeds and The Hightower Report."It’s an exciting time to learn about how derivatives markets are used to manage risk and capture opportunities across the global economy," says Anita Liskey, CME Group Senior Managing Director of Global Brand Marketing and Communications. "Our annual competition provides a collaborative educational experience that is driven by global financial professionals and innovative technology. Each year, we are delighted to bring together students from all over the world to learn how to apply real-life trading strategies to everyday markets."This year’s four-week competition included 386 teams, comprised of more than 1,500 actively enrolled graduate and undergraduate students from 24 countries. Students on the top five winning teams are eligible to receive a cash prize and are invited to attend an exclusive one-day, virtual market education event this month.The first-place winner was the University of Bogota Jorge Tadeo Lozano, which is the second consecutive Latin American team to top the global competition. The 18th Annual CME Group University Trading Challenge Winners are: First Place: University of Bogota Jorge Tadeo Lozano (Colombia);Second Place: Loyola University Chicago (U.S.);Third Place: Virginia Tech (U.S.);Fourth Place: University of Illinois (U.S.);Fifth Place: Southern Illinois University (U.S.)."The CME Group University Trading Challenge is an excellent way to learn about derivatives markets and develop skills that can be put into practice in the future," said the first-place team from the University of Bogota Jorge Tadeo Lozano. "Trading through the CQG platform and having access to live market updates also helps students build an understanding of how these markets operate."CME Group provides a wide range of risk management education, including its CME Institute education hub, which offers detailed courses, webinars and videos on trading futures on options markets, as well as a trading simulator.CME Group also partners with other industry organizations to offer educational tools, such as Futures Fundamentals, a one-stop educational resource to help learners of all levels understand futures markets and the role they play in everyday life. 

Let Your Small Business Thrive with Smart Financial Planning

(NewsUSA) – Sales on Small Business Saturday and during the holiday season can often make or break a small business.During this time, many small businesses are focused on revenues and operational efficiency. But they should also dedicate time to address their financial risks.Small business owners can manage these risks by adapting their individual financial plans to the risks of business ownership.The top financial planning areas of concern for small business owners are:1. Tax planning. Businesses and individuals have different marginal tax rates at different income brackets. A CFP® professional can help you coordinate your business and personal income taxes for maximum returns.2. Insurance coverage. Small businesses require specialized insurance coverage beyond what the owners may have for themselves and their families. Small businesses need to have a safety net in the event that they are affected by a natural disaster, death or disability of the owner or other key individual, loss of property, or lawsuits from negligence or defective products.3. Retirement. Small business owners need more retirement planning rather than less. The good news is that business ownership affords all sorts of tax-advantaged ways to save for retirement. The ability to put aside amounts is considerably larger than what is permissible to non-business owners.4. Investments. Most small businesses are self-financed by their owners. This may mean that the business is the owner’s major or only investment. Small business owners who have extra capital may want to reinvest the money back into the business. CFP® professionals may help you diversify your investments to offset your financial risk as an owner.5. Succession planning. Small business owners need to have a plan for what they want to do with their business after retirement. The COVID-19 pandemic has clearly added a great deal of complexity to the lives of small business owners who wish to monetize their life’s work and pass on their business to someone else. Working with a CFP® professional can help small business owners determine all the options for a successful transition.If you are a small business owner or thinking about starting your own business, visit LetsMakeAPlan.org for more information on how to find a CFP® professional and how smart financial planning can help your small business succeed. 

Financial Planning Now Means Financial Security Later

(NewsUSA) – For many people, the idea of creating and sticking to a budget is intimidating. The thought of investing, managing debt and saving for major purchases, such as a house or car, can leave anyone overwhelmed.
“A budget is a necessity for controlling spending and working toward financial goals,” says CERTIFIED FINANCIAL PLANNER™ professional Ross Levin, CFP®. “But what people don’t remember is that budgeting is actually about making choices.”
One smart (but ironic) choice you can make is to budget for a financial planner — who will help you better manage your budget. A skilled financial planning professional can help you build a workable budget and give you the tools and encouragement to stick with it.

Continue Reading: Financial Planning Now Means Financial Security Later

Flyers Help Your Business Take Off

(NewsUSA) – Consumers are swamped with messages about products and services. Effective advertising will cut through the clutter and capture a prospective customer’s attention with a targeted message.To be effective and reach a target audience, the best advertising is credible, unique, and memorable. Using flyers is a relatively simple and inexpensive way for small and mid-sized businesses to make an impact in the local community."The goal behind designing a flyer is to capture someone’s attention within three seconds of them walking up to their front door," says Stefanie McKinney, founder and owner of The Flyer Guys, a family-owned, Arizona-based company that specializes in creating memorable advertising with flyers.To make the most of your advertising campaign using flyers, keep these points in mind:- A picture is worth 1,000 words. Don’t underestimate the power of images. People look at pictures before they start reading any text, and a funny picture in particular can make an impression.- Less text for more impact. Once you have a picture, think about text. Keep your text concise, and use bullet points when possible, in order to allow more white space for quick and easy reading.- Catchy headlines. Along with a photo, a headline is the first thing to catch a customer’s eye. No matter what headline you choose, consider using color for added impact, and keep your font choice easy to read.- Contact information and call-to-action. This is where the nuts and bolts of your product or service comes in, so give it the proper attention. Even something conventional such as "Call Us" or "Order Now" can have greater impact with fonts and colors. Online businesses, make sure your website address is clearly visible, so your audience is likely to keep the flyer as a reference. For in-person businesses, simple directions and even a small map can help ensure that you are on the customer’s radar.- Enlist happy customers. Sincere testimonials can have a significant impact on attracting new customers. When your customers compliment your product or service, ask whether you can use their comments, either anonymously or with their name, to help promote your business. The more specific the comments, the better.For more information about the power of flyers, visit theflyerguysaz.com. 

Healthy Tips For Going Back to the Office Post-COVID

(NewsUSA) -Whether you are just starting out with your first job and apartment, or entering the later stages of your working life, there is no wrong time to plan for retirement.For Millennials and Generation Z, saving may seem less important, but don’t discount its importance."Even though retirement is decades away, acting now can lead to better financial security throughout your entire life," says Mark Wernig, CFP®, Lead Advisor and Principal at Dowling & Yahnke Wealth Advisors.For those who are younger, take some smart steps now, and you can reap the benefits whenever you retire. The following tips can help you to save for the future:- Make saving automatic. Young adults should invest in a 401(k) plan with their employers, with an automatic contribution. This makes saving easy, you don’t have to think about it, and you will reap the rewards later.- Put money back. Many adults deal with debt from student loans, car loans and mortgages. Set financial goals and know the interest rates on your loans, so you can make a budget and try to pay them off as soon as possible.If you are a Baby Boomer farther along in your career and retirement is fast approaching, don’t despair. It’s never too late to maximize your savings with these smart strategies:- Play catch-up. The "catch up" provision for individuals ages 50 years and older lets you add extra money to many corporate retirement plans, such as 401(k)s, traditional Individual Retirement Accounts (IRAs) and Roth IRAs."Workers age 50 and older can make an extra $1,000 catch-up contribution to an IRA in 2021, for a maximum possible IRA contribution of $7,000 in 2021," says Spencer Betts, CFP®, Chief Compliance Officer and financial consultant at Bickling Financial Services.- Postpone Social Security. Age matters. The full retirement age for Social Security is 67 for anyone born after 1960. For every year you delay taking your Social Security (age 68 to 70), you increase your benefit by 8%.- Revisit your health care plan. Health expenses are one of the top sources of spending in retirement. Make sure your health insurance plan meets your needs and do some research to switch plans if necessary. In addition, be aware of health care savings accounts (HSAs), which are pre-tax savings accounts that allow tax-free withdrawals for health expenses. HSAs also have a catch-up option for those over the age of 55.Regardless of your age, a CERTIFIED FINANCIAL PLANNERTM professional can provide guidance and advice as you consider these points in retirement planning: