Friday, November 9, 2012

Bringing you face-to-face with small businesses ... - Skype Blogs

This blogger doesn?t have a biography yet. Maybe they?re very old, or maybe they?re very new.

? Ural Cebeci

In the world of business, one of the riskiest things you can do - but perhaps the most thrilling - is to become your own boss. Fuelled by an entrepreneurial spirit and the desire to see ideas, products and services brought to life, many people overcome the initial challenges and successfully start their own business.

At Skype, we believe there's an opportunity for small business owners to share experiences with and learn from each other. This is why today we are opening the Skype in the workspace (SITW) platform to the public. It's a free-to-use online platform for small businesses and entrepreneurs, enabling instant connections with potential customers, partners and suppliers across the globe.

When we launched the beta version of Skype in the workspace back in May, I introduced Mark Ralphs, a digital strategist from Brighton, UK, to the platform. He offered some great feedback on his experience with it, as well as some advice for those getting started with the platform; like the need for offers on the platform to be very targeted to audiences to be successful. Since then, we have attracted 500 small businesses, startups and entrepreneurs to sign up, representing industries from fields as diverse as smartphone design and business coaching.

What's driven this uptake is the fact that Skype in the workspace brings you closer than ever before to the customers, partners, suppliers and prospects that you need in order to be successful. No matter what your business or where you're based, joining the Skype community allows you to make valuable personal connections in real-time, face-to-face.
The feedback we have been getting from users has been great - we've heard tales of better engagement with customers and of businesses making use of tools that were not previously available to them.

Just starting out?

For new startups, Skype in the workspace offers up a whole range of experts and consultants who are on hand to provide best practice and guidance for getting your idea off the ground. As a first step, click 'add a service' and create an offer to publicly demonstrate your services. We'll look to help the right members discover your business, but at the same time you'll be able to get busy promoting your page via other social media platforms!

Looking to expand?

Meanwhile, for businesses that are a little more established, there are already hundreds of new business relationships to be made and promotional tools to help you succeed. Once you're signed up, you can instantly connect with other users and arrange Skype sessions to showcase your product or service. Then, when an opportunity is over, the person you've done business with can instantly give you a testimonial of the product/service you offered, helping your build a portfolio of endorsements backing your business.

Perhaps the part of the package that we are most excited about, however, is its all-in-one convenience.

Skype in the workspace provides you with a single, web-based platform to effectively run your business online. SITW is designed to be simple and straightforward for small businesses to use. Users can sign up in just 30 seconds using their Skype or LinkedIn profile and sharing tools on the site allow users to share their latest business activities with their online network via Facebook, LinkedIn and Twitter. Whether it is video calling with Skype or booking appointments to meet with new connections, it can all be done within the Skype in the workspace environment.

Don't forget, SITW is also open to the public. Consumers are able to use SITW as a directory of companies across the globe, offering them the ability to search and instantly connect with businesses.

Ready to get started? Registration could not be easier. Anyone with a Skype or LinkedIn account can join Skype in the workspace today in less than 30 seconds, to start making connections to drive your business forward.

Source: http://blogs.skype.com/en/2012/11/bringing_you_face-to-face_with.html

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Obama's health care overhaul turns into a sprint

FILE - In this March 23, 2010, file photo, President Barack Obama reaches for a pen to sign the health care bill in the East Room of the White House in Washington. Obama?s re-election has guaranteed the survival of his health care law. Now the administration is in a sprint to the finish line to put it into place. In just 11 months, millions of uninsured people can start signing up for coverage. But there are hurdles in the way. Republican governors will have to decide whether they can join the team and help carry out what they?ve dismissed as "Obamacare." And the administration could stumble under the sheer strain of implementing the complex legislation, or get tripped up in budget talks with Congress. (AP Photo/Charles Dharapak, File)

FILE - In this March 23, 2010, file photo, President Barack Obama reaches for a pen to sign the health care bill in the East Room of the White House in Washington. Obama?s re-election has guaranteed the survival of his health care law. Now the administration is in a sprint to the finish line to put it into place. In just 11 months, millions of uninsured people can start signing up for coverage. But there are hurdles in the way. Republican governors will have to decide whether they can join the team and help carry out what they?ve dismissed as "Obamacare." And the administration could stumble under the sheer strain of implementing the complex legislation, or get tripped up in budget talks with Congress. (AP Photo/Charles Dharapak, File)

(AP) ? The long slog has turned into a sprint. President Barack Obama's health care law survived the Supreme Court and the election; now the uninsured can sign up for coverage in about 11 months.

Even the government's top-ranking Republican, House Speaker John Boehner of Ohio, said Thursday that "Obamacare is the law of the land." But not all hurdles have been cleared.

Republican governors who opposed the law have to decide whether it's better for their states to now help carry it out. The administration could stumble carrying out the complex legislation, or get tripped up if budget talks with Congress lead to scaling back the plan.

"We are out of the political gamesmanship and into the reality," said Sandy Praeger, Kansas' Republican insurance commissioner. Next week, states have to say if they're committed to building the framework for delivering health insurance to millions.

"We are still going to be struggling through the politics, and there are important policy hurdles and logistical challenges," said Andrew Hyman of the nonpartisan Robert Wood Johnson Foundation, helping states carry out the law. "But we are on a very positive trajectory."

Instead of being dismantled by a Republican president and Congress, Obama's law is now on track to take its place alongside Medicare and Medicaid. The action starts right away.

A week from Friday, states must notify Washington if they'll be setting up new health insurance markets, called exchanges, in which millions of households and small businesses will shop for private coverage. The Health and Human Services Department will run the exchanges in states that aren't ready or willing.

Open enrollment for exchange plans is scheduled to start Oct. 1, 2013, and coverage will be effective Jan. 1, 2014.

In all, more than 30 million uninsured people are expected to gain coverage under the law. About half will get private insurance through the exchanges, with most receiving government help to pay premiums.

The rest, mainly low-income adults without children at home, will be covered through an expansion of Medicaid. While the federal government will pay virtually all the additional Medicaid costs, the Supreme Court gave states the leeway to opt out of the expansion. That adds to the uncertainty over how the law will be carried out.

A steadying force within the administration is likely to be HHS Secretary Kathleen Sebelius. The former Kansas governor has said she wants to stay until the law is fully enacted.

Governors will be the main counterparts to Sebelius, and Republicans are leading more than half the states.

Some, like Rick Perry of Texas and Rick Scott of Florida, have drawn a line against helping carry out Obama's law. In other states, voters have endorsed a hard stance. Missouri voters passed a ballot measure Tuesday that would prohibit establishment of a health insurance exchange unless the Legislature approves. State-level challenges to the federal law will continue to percolate.

Other GOP governors have been on the fence, awaiting the outcome of the election. All eyes will be on pragmatists like Chris Christie of New Jersey and Bob McDonnell of Virginia, whose states have done considerable planning to set up exchanges.

"Republican governors are at the center of the health care universe right now," said Michael Ramlet, health policy director at the American Action Forum, a conservative think tank. "They do not have a uniform position."

Virginia's McDonnell, in a rebuff to the administration, said in an interview published Thursday his state would not set up its own exchange, defaulting to a federally run one. McDonnell left open the possibility Virginia might later change course.

Some governors whose states aren't ready to run exchanges are considering the administration's fallback offer to run the new markets through a partnership.

"The real question for Republican governors is: 'Are you going to let the feds come into your state?'" Ramlet said. "The question for the Obama administration is whether they are going to have more flexibility."

Major regulations are due shortly covering such issues as exchange operations, benefits and protections for people with pre-existing health problems. That could signal the administration's willingness to compromise.

A check by The Associated Press found 17 states and the District of Columbia on track to setting up their own exchanges, while 10 have decided not to do so. The federal government could end up running the show in half or more of the states.

The states on track include California, Colorado, Connecticut, Hawaii, Kentucky, Maryland, Massachusetts, Minnesota, Mississippi, Nevada, New York, Oregon, Rhode Island, Utah, Vermont, Washington, and West Virginia.

Not setting up exchanges are Alaska, Florida, Louisiana, Maine, New Hampshire, South Carolina, South Dakota, Texas, Virginia, and Wisconsin. Missouri and others are likely to join the list.

A recent AP poll found that 63 percent of Americans want states to run the exchanges, with 32 percent favoring federal control.

GOP governors are also seeking flexibility on expanding Medicaid. They are pressing Sebelius on whether the administration will approve partial, less costly expansions, more attractive to cash-pressed states.

As far as Medicaid, 11 states and the District of Columbia have indicated they will expand their programs, while six have said they will not. That leaves more than 30 undecided.

The states definitely expanding Medicaid include California, Connecticut, Delaware, Hawaii, Illinois, Maryland, Massachusetts, Minnesota, New York, Vermont, and Washington. Those declining include Florida, Georgia, Louisiana, Mississippi, South Carolina, and Texas.

On Capitol Hill, Republicans say if a budget deal is going to include tax increases, it must also come with cuts to the health care law, or money-saving delays in its implementation.

While major changes can't be ruled out, they don't seem very likely to former Senate Majority Leader Tom Daschle, D-S.D., who is close to the administration.

"I think Democrats are increasingly emboldened about the health care act," Daschle said. "The president won re-election partly by defending it. There is a new dynamic around the health care effort."

Republican attempts to amend the law will continue, he said, but outright repeal is no longer a possibility.

Speaker Boehner seemed to second that in an interview with ABC News. Asked if he will make another attempt to fully repeal Obama's law, he responded, "Well, I think the election changes that."

But he added that parts of the health care law are very expensive and difficult to carry out and "everything has to be on the table" in budget negotiations. Later, spokesman Kevin Smith said that Boehner is "still committed to full repeal."

Associated Press

Source: http://hosted2.ap.org/APDEFAULT/bbd825583c8542898e6fa7d440b9febc/Article_2012-11-08-US-Obamacare-Sprint/id-3cbf05da049048fbba7fa210f629c225

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Thursday, November 8, 2012

Apple's shares slide 4 percent to five-month low

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Real estate firm owner honored | The Business Times

Article date: Nov 7 2012

Toni Heiden-Moran

Meighan Marquis

Ron Baimbridge

Toni Heiden-Moran, owner of Heiden Homes Realty and Associates in Grand Junction, has earned statewide recognition for her support of lobbying efforts on behalf of the real estate industry.

Meighan Marquis, an agent at Heiden Homes, was inducted into the Grand Junction Area Realtor Association.

And Ron Baimbridge was honored as the top-performing agent at Heiden Homes for October.

Heiden-Moran received an award at the Colorado Association of Realtors convention in Denver recognizing $10,000 in contributions to the Realtor Political Action Committee. The committee works to make sure Realtors have a voice in legislation affecting property issues and private property rights.

Heiden-Moran has worked for 34 years in the real estate industry, nine of that as owner of her own firm.

Marquis was inducted into the GJARA during its recently quarterly meeting. Marquis joined Heiden Homes in 2011 after working in the real estate industry in California.

Baimbridge posted the most sales and new listings for October.

Baimbridge has worked in the real estate industry on and off since 1972.

Heiden Homes operates offices at 735 Rood Ave. For more information, call 245-7777 or visit the website located at www.heidenhomes.com.

Related Articles:

  1. Real estate agent joins Grand Junction firm
  2. Real estate firm names new agent, top producers
  3. Real estate firm names top-performing agents
  4. Real estate firm names new agent,top performers
  5. Real estate firm honors top agents
  6. Real estate firm honors best-selling agents

Source: http://thebusinesstimes.com/real-estate-firm-owner-honored/

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Five Orange County Estate Planning Questions and Their Answers ...

Estate planning, with or without a lawyer, can be a little overwhelming. ?For an estate planning attorney in Orange County, there are plenty of questions that come up again and again. ?Take a look at the list below, and maybe you?ll get some of yours answered:

Do I really need an estate plan if I don?t own much? ?The answer to this is: ABSOLUTELY. ?An estate plan isn?t just about setting up trust funds. ?There are very important documents that everyone should have, regardless of their income level or assets.

What is the most important document I should have my estate planning lawyer draft? ?There are several that are important, but to get started, you will likely need a medical directive that explains what your wishes are in a variety of medical situations when you are unable to make decisions for yourself. ?If you?re married, you spouse will likely become the default decision-maker, but by having your wishes outlined, it makes things much clearer and takes some of the burden off of your loved ones.

Any others I really need? ?If you?re not married, you should really create durable powers of attorney for your medical decisions and your financial obligations. ?Parents should absolutely set up legal guardianship for their minor children. ?And just about everyone can benefit from creating a will.

Aren?t ?trust funds? just for the ultra-rich? ?Actually, they?re not. ?While we may be conditioned to think of trusts as some sort of savings account that doles out money to the next generation, they are actually so much more. ?Putting your assets into a trust allows you to put specific restrictions and conditions on how the money is used, can protect a piece of property, and can significantly lessen the amount of taxes owed by your estate and its heirs. ?The cost of setting up a trust will save you its value many times over.

Will I have to pay a ?death tax?? ?Maybe. ?For 2012, this estate tax only applies to those worth more than $5 million. ?In 2013, that amount is expected to drop to $1 million. ?The 2012 tax rate for those with estates worth more than the $5 million is capped at 35%, while the projected 2013 tax rate for estates worth more than $1 million can reach as high as 55%.

Of course, there are many other questions that an Orange County estate planning lawyer is used to answering on a regular basis. ?These five, however, are commonly asked and may have been on your mind. Armed with this information, you may have realized that now truly is the time to meet with an estate planning attorney and get the ball rolling for your future plans.

Tags: estate plan, estate planning attorney in Orange County, estate planning lawyer, orange county estate planning lawyer

Source: http://morganlawgroup.com/blog/2012/11/06/five-orange-county-estate-planning-questions-and-their-answers/

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Wednesday, November 7, 2012

The use of CRM software for all forms of businesses

Having to deal with customers with their peculiarities is one aspect of running a business that no business owner should ever neglect. The system that manages customers? relationships is usually executed using CRM software. This software helps not just in managing customers? needs and expectations but also in improving the general flow of the business. Since customers are the lifeline of any business, an effective system that manages them would definitely impart on the general outlook of the business. The software in its deployment has the ability to track new and existing customers? behavior and their preferences. It is also able to select the target market since its many collected data can show the pattern of customer preferences and inclinations. It is also able to build closer ties to customers because of the nature of data that goes into it since it has a better understanding of their needs.

The direct benefits of adopting CRM software is increased productivity and better marketing planning strategies. Companies that have large numbers of customers are likely to encounter difficulties trying to isolate and treat the various needs of their customers. However, with such a system in place, the possibility of effectively managing them is achieved. This means that better results would be achieved since the most important details of the customers are known and documented. With a software system of this nature, it is possible to achieve higher revenue generation.

This is because the system frees up time to attend to more relevant business issues instead of attending to only customer needs.

Deploying the use of CRM software in any business whether big or small is going to impart on the productivity of the business but this can only be achieved when strong customers? ties are established and loyalists to the company?s brands are developed. If a business is going to survive, it must learn to keep close ties with its customers. This is about to only sustaining a business. The use of software system to achieve this is a major advantage for any company. Although the software is really used for creating a consumer database, it can only be used for marketing and sales? purposes. The ability to identify the needs of your clients and provide the necessary needs is likely to improve business profitability. In larger business settings, the system can allow the communication between heads of departments or managers.

The features of effective CRM software may also include tools that allow communication between management and also the sharing of leads and potential changes in the patterns of consumers. It may also allow for the sharing of information on newer styles and techniques of marketing or the most effective marketing campaign style based on the perceived customer interests. The fore-knowledge of possible changes in your business or the entire market place is sure to impart on your business practices and determine to a large extent the flow of your business.

Source: http://small-business.ezinemark.com/the-use-of-crm-software-for-all-forms-of-businesses-7d3814e90146.html

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Tuesday, November 6, 2012

Kansas City Hospital Bans Sugary Drinks, SodaYour Health Journal ...

From SF Gate?..

A Kansas City children?s hospital has announced plans to ban sales of soda and sugar-filled juices from its cafeteria, gift shop and vending machines in a bid to fight childhood obesity.

Officials at Children?s Mercy Hospital said the ban will take effect in January.

Karen Cox, the hospital?s executive vice president, said employees and visitors will be able to bring in their own sugary drinks, but that the drinks won?t be sold at the hospital. Children?s Mercy is the first hospital in the Kansas City metro region to implement such a ban, according to hospital administrators.

The ban is part of the nine-point program of Partnership for a Healthier America, a national nonpartisan program focusing on eliminating childhood obesity, The Kansas City Star reported Monday (http://bit.ly/PRfpAU ). The partnership developed from Let?s Move, the action plan led by first lady Michelle Obama to reduce childhood obesity rates by 5 percent by 2030.

At the hospital?s primary care clinics in 2011, 34 percent of patients at well-child checks were overweight or obese, including 28 percent of the 2- to 5-year-olds and 41 percent of the 6- to 12-year-olds.

The move to ban sugary drinks is one that ?most hospitals will do over time,? Cox said, ?but someone has to be the leader.?

Children?s Mercy has also started displaying and promoting only healthful food options in its cafeteria and patient menu advertising. The hospital also offers wellness meals, which are less than 700 calories with less than 10 percent saturated fat, no trans fats and less than 800 milligrams of sodium.

The hospital plans next to increase the number of fruits and vegetables it sells by 20 percent and by 2015, the hospital will have removed all deep fryers from its food service operations.

?There is no research that any one specific change is going to change people?s eating behavior long-term,? said Shelly Summar, the hospital?s weight management program coordinator. ?But what we do know is that when the healthy choice is the easy choice, people are more likely to make it.?

To read the full story?..Click here

Source: http://www.lensaunders.com/wp/?p=6185

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