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SEO Sydney
SEO Sydney service specialist and Search engine optimization (SEO) is the process of affecting the online visibility of a website or a web page in a web search engine's free results-often understood to be as "natural", "organic", or "earned" results .
If you have actually decided to engage SEO services or digital marketing services to boost your internet marketing method, you will need to hire a freelance SEO expert in Sydney such as this expert with their Sydney SEO Consulting services or hiring an SEO company.
Hiring an SEO company in Sydney may seem more attractive initially because an SEO company will normally have a wider array of resources and manpower than say Sydney SEO Experts in Australia, however this apparent advantage includes some significant costs. It is far more pricey to work with an SEO company over SEO Sydney, since they charge higher costs and will normally request for a minimum time commitment. Workers in a Sydney SEO company will also frequently come and go, which results in your relationships being frequently interfered with.
You will wind up investing more effort and time articulating your marketing needs than if you sourced your Sydney SEO services from one expert.
Depending upon the size of the company, an Australian based SEO company could be handling a large number of clients at any one time, which means that the opportunities of receiving tailored attention for your business from said Sydney SEO experts are lessened as opposed to your own SEO Sydney or Digital marketing experts.
About SEO Services Sydney
Sydney SEO services never usually invest the money or time to study off page SEO or link building methods which SEO services are always in touch with. SEO services are just usually too busy collecting money from their clients where is SEO services are dedicated to delivering
The Benefits of Picking SEO Sydney Specialists over SEO Companies
Besides being more economical, picking an SEO specialist implies you have the ability to pick an professional who perfectly matches your needs due to the fact that you are picking from a global community of specialist who provide a range of ability and specialization that can not be matched in any single SEO company. Opportunities of establishing a long-term relationship with your SEO company are much higher with an independent specialist, and you have greater state in selecting the SEO specialist level of knowledge.
An SEO specialist Sydney expert has more freedom to choose the work they are best suited for, instead of SEO company staff members who have clients assigned to them. You are therefore a lot more most likely to work with a highly inspired provider if you engage with a freelance specialist.
Your service as a result is better placed to obtain greater worth from its marketing budget through independent SEO Sydney. Sydney SEO Search Engine Optimization( SEO) is necessary in assisting companies and services increase their online exposure for this reason increasing their sales and reach most of their targeted audience. Google whatever keeps changing their regulations and guidelines that make it complicated for businesses to keep to date with the changes.
This makes it important for organizations to work with SEO professional to take care the Google modifications and offer their experience in making their sites to the top in Google search engine.
A website will have a hard time to get customers to make sales where necessary if it does not utilize the advantages of SEO experts. An company can decide to have an internal SEO team however employing an external professional yields more benefits. The experts in the field include Sydney SEO services which are as per now the best SEO Sydney. Sydney SEO services provide SEO and building of websites for every single size of service which includes big medium and small companies. They use the most respected SEO services in Cydney. They are SEO specialists who have a big customer base and keeps on growing by receiving most of their clients from recommendations to them by pleased consumers.
Sydney SEO Experts Advantages to Businesses 1. They Offer Free Analysis To understand the level of the company's site direct exposure to online search engine they offer a complimentary analysis to their clients. This helps them figure out the health of the site thus comprehend exactly what has to be done in the company. 2. They Deal Fair Prices They keep their rates down given that they understand that the majority of their customers work under limited spending plans.
This makes it possible for all sizes of business to enjoy their services. They provide the costs depending on the size of the company which is really fair to every level. Benefits Provided bySEO expert Over SEO Company An company can choose to get the SEO services from an SEO expert or an SEO company. However, an SEO expert is better than an SEO company in the following ways. ·
SEO experts are more affordable than SEO business. · It's simple to develop a close relationship with an SEO expert compared with an SEO company. Having an SEO professional managing service's website SEO enable the business to concentrate on its core activities and minimize on a cost of hiring its SEO professional. In this manner business can attain its set objectives on time and optimize on its resources making higher profits.
SEO Consulting Since 2012 And Changes in SEO
Digital Marketing or what is otherwisae known as internet marketing and advertisements have been the basis of promoting business ventures all across the globe.
Various advertisement methods such as advertising through newspapers ads, radio advertising, television advertising, public speaking, door hangers and flyers, event sponsorship and word-of-mouth advertising have been the key methods of advertisement in the past.
However, with growing digitalization, the need to reach to the people through digital marketing or internet marketing was felt and hence online advertising came into the light. Digital marketing has changed a lot in the society today. There are also many digital marketing specialists that can help you rank a site on page 1 of Google today
What Is Sydney Digital Marketing ?
Digital marketing is the marketing of products or services using digital technologies, mainly on the Internet, but also including mobile phones, display advertising, and any other digital medium.
Digital marketing's development since the 1990s and 2000s has changed the way brands and businesses use technology for marketing.[2] As digital platforms are increasingly incorporated into marketing plans and everyday life, and as people use digital devices instead of visiting physical shops,digital marketing campaigns are becoming more prevalent and efficient.
Digital marketing methods such as search engine optimization (SEO), search engine marketing (SEM), content marketing, influencer marketing, content automation, campaign marketing, data-driven marketing, e-commerce marketing, social media marketing, social media optimization, e-mail direct marketing, display advertising, e–books, and optical disks and games are becoming more common in our advancing technology.
In fact, digital marketing now extends to non-Internet channels that provide digital media, such as mobile phones (SMS and MMS), callback, and on-hold mobile ring tones. In essence, this extension to non-Internet channels helps to differentiate digital marketing from online marketing, another catch-all term for the marketing methods mentioned above, which strictly occur online.
Digital Marketing Explained
How Can Digital Marketing Help Your Business Today ?
Now how is digital advertising better than the methods of advertisement used earlier? Digital Marketing is a term for marketing products or services using digital technologies mainly over the internet. The way in which digital marketing has developed itself over a few years, from 2000 to 2017, it has brought a revolution in the way businesses utilize technology and digital marketing for their marketing As the number of people using the internet is increasing day by day, there has been an increase in the demand for internet marketing and hence internet marketing is becoming more focused and reliable as it targets specific demographics. It is also cost efficient and provides real time results.
10 Top Digital Marketing Tips
What Is Sydney Search Engine Optimisation ?
Search engine optimization (SEO) is the process of affecting the online visibility of a website or a web page in a web search engine's unpaid results—often referred to as "natural", "organic", or "earned" results. In general, the earlier (or higher ranked on the search results page), and more frequently a website appears in the search results list, the more visitors it will receive from the search engine's users; these visitors can then be converted into customers.
SEO may target different kinds of search, including image search, video search, academic search,news search, and industry-specific vertical search engines.
SEO differs from local search engine optimization in that the latter is focused on optimizing a business' online presence so that its web pages will be displayed by search engines when a user enters a local search for its products or services. The former instead is more focused on national or international searches.
10 Hot SEO Tips To Boost Your Rankings in 2018
How Is SEO Related To Digital Marketing
SEO or Search Engine Optimization works closely with Internet Marketing in order to convert the visitors into consumers. SEO comes into play as the business owner decides to advertise his business over the internet. We have seen a rapid increase in the number of businesses going online and it was after the year 2012 that almost every business is over the internet, with a website for their customers where they can view product and services, get to know about the business in a better way and can ask for any help and support they require which makes customers feel more supported and valued.
Today, in an era of cut throat competition, every business wants to appear on the first page of the search results in order to attract more customers and build a huge customer base and it is when the role of SEO comes into play. SEO uses keywords for websites and optimizes them in order to make the product or services provided by any company, easily accessible.
In addition to this, it is a smarter way of making websites user friendly, faster and easy to navigate.With Panda algorithm, Google has planned to penalize websites that
contain too much low quality content, no matter how old it is and also
to reward high quality content as well.
SEO is constantly changing with new ideas, new trends and new strategies being developed. The focus on keywords to be on the top of every search has now shifted to ROI metrics.
One of the most used search engines, Google, in April, 2012, expanded the types of messages and warnings it sent. In the past years, Google tried to avoid notifying domains about their black hat webspam via Webmaster tools. Google also introduced Penguin with a view to penalize websites that exhibited signs of artificial external links. With Panda algorithm, Google has planned to penalize websites that contain too much low quality content, no matter how old it is and also to reward high quality content as well.
With changing trends in Digital Marketing, the businesses now need to be more aligned with the market scenario. Magazine, HotWired which purchased few of the banner ads to assist them in advertisements which led to the start of development to what today is known to be Digital Era.
Digital marketing world saw a boom, for the first time, in the year 2006, there was high traffic on the search engines. This report showed that there was over 6.4 billion usage in less than a month. The launching of Google in 2008, launched products such as Adwords and Adsense, to analyze the content and focus on the interests of its users.
Therefore it would not be wrong to say the world of SEO and Digital Marketing are always in a progression phase but have endless new ideas and concepts coming in every day. Businesses need to constantly keep an eye on the ever changing strategies of marketing and stay competent. These technologies have continuously helped businesses to prosper and achieve phenomenal success and will continue to provide their aid for a better tomorrow using digital marketing services.


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The Review
The Paris Review No. 63
"Once you've survived Dublin there's not much they can do to you anywhere else to cut through your hide": An interview with J.P. Donleavy.
John Steinbeck on inspiration, hack writing, and writing a good short story.
Stories by Andrei Codrescu and Dallas Wiebe. Poems by Robert Bly and Wililam Matthews.

subset: commoncrawl


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I have created some custom post forms that I'm now using in place of a plugin called WP User Frontend which allows you to post and edit from front end. These post forms we're working great but when I deactivated the plugin I now I get a warning when the post completes its' upload saying..
Warning: Cannot modify header information - headers already sent by (output started at /home/####/public_html/#####/wp-content/themes/####/header-default.php:2) in /home/#####/public_html/#####/wp-includes/pluggable.php on line 881.
Now I checked for white spaces and I honestly don't see any in the header, page template, or footer and I don't believe it has anything to with that because the post forms work fine when the plugin is activated. I'm also using buddypress which has a form submit for avatars and that works fine without plugin activated so I'm thinking my form has something missing that the plugin was providing. Instead of pasting the entire code including the html form I'm going to show the php part of the template that does the work.
<?php// Template Name: Album Post Form ?>
<?php get_header(); ?>
<?php if( 'POST' == $_SERVER['REQUEST_METHOD'] && !empty( $_POST['action'] ) && $_POST['action'] == "new_post") {
if ( ! function_exists( 'wp_handle_upload' )) {
require_once(ABSPATH . "wp-admin" . '/includes/image.php');
require_once(ABSPATH . "wp-admin" . '/includes/file.php');
require_once(ABSPATH . "wp-admin" . '/includes/media.php');
// Do some minor form validation to make sure there is content
if (isset ($_POST['title'])) {
$title = $_POST['title'];
} else {
echo 'Please enter a game title';
if (isset ($_POST['description'])) {
$description = $_POST['description'];
} else {
echo 'Please enter the content';
$tags = $_POST['post_tags'];
// Add the content of the form to $post as an array
$new_post = array(
'post_title' => $title,
'post_content' => $description,
'tags_input' => array($tags),
'post_status' => 'publish', // Choose: publish, preview, future, draft, etc.
'post_type' => fod_albums // Use a custom post type if you want to
//save the new post and return its ID
$pid = wp_insert_post($new_post);
if (!($file['album_image']['name'] == "")) {
$cover_art_id = media_handle_sideload( $file['album_image'], $pid );
if ( is_wp_error($cover_art_id) ) {
return $cover_art_id;
wp_set_object_terms( $cover_art_id, 'cover_art', 'category');
} elseif ($file['album_image']['name'] == "" && !($_POST['cover_radio'] == '')) {
wp_redirect( get_permalink($pid));
do_action('wp_insert_post', 'wp_insert_post');
Any ideas?


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Product Description
Back to basics, modern and chic, this bridal set R186S-18KTT4WRGWS evokes style and design elegance.
Set Includes:
* 1 x over 4.0 grams TW (approx) of cast solid 18K two-tone gold ring size 7 (sizable)
* 1 x round 1.0 carat (6.5 mm diam) laboratory grown white sapphire center stone
* 1 x over 3.0 grams TW (approx) of cast solid 18K two-tone gold ring size 7 (sizable)
Also available:
In double band bridal set
Solitaire engagement ring
Wedding band
* Additional bridal set discount
* Deluxe jewelry box
* Also available in other two tone gold, yellow gold, rose gold, black gold, and platinum
** 2, 3 and 4 month flexible payment plans available
* Free USPS insured delivery within United States
* All metal and stone measurements and totals are approximated by production manufacturing computers and may differ slightly on 0.005 fraction levels.
* Stone settings in pave, prongs, bezel, channel or invisible may differ slightly from an image as the stones are set by a master hand.
* All jewelry images are professional catalog renderings generated by production imaging computer in 3d and are not real photographs, it's visual perceptions may differ slightly from monitor type and resolution.
Art Masters Jewelry


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Essential Meeting Tips for Buyers & Sellers
The buyer-seller meeting is quite often a "make or break" meeting. Your business broker or M&A Advisor will do everything possible to ensure that this meeting goes as well as possible.
It is vitally important to realize that rarely is there an offer before buyers and sellers actually meet. The all-important offer usually comes directly after this all-important meeting. As a result, you want to ensure that meetings are as positive and productive as possible.
Buyers need to understand how the process of selling a business works and what is expected of them from the process. Buyers also need to understand that following their broker's advice will increase the chances of a successful outcome.
Sellers should be ready to be honest and forthcoming during the meeting. They also want to be sure to not say or do anything that could come across as a strong-armed sales tactic.
Asking the Right Questions
If you are a buyer preparing to meet a business owner for the first time, you'll want to make sure any questions you ask are appropriate and logical. It is important for buyers to place themselves in the shoes of the other party.
Buyers also shouldn't show up to the buyer-seller meeting without having done their homework. So be sure to do a little planning ahead so that you are ready to go with good questions that show you understand the business.
Building a Positive Relationship
Buyers should, of course, plan to be polite and respectful. They should also be prepared to avoid discussing politics and religion, which often can be flashpoints for confrontation. When sellers don't like prospective buyers, then the odds are good that they will also not place trust in them.
For most sellers, their business is a legacy. It quite often represents years, or even decades, of hard work. Needless to say, sellers value their businesses. Many will feel as though it reflects them personally, at least in some fashion. Buyers should keep these facts in mind when dealing with sellers. A failure to follow these guidelines could lead to ill will between buyers and sellers and negatively impact the chances of success.
Sellers Should Be Truthful
Sellers also have a significant role in the process. While it is true that sellers are trying to sell their business, they don't want to come across as a salesperson. Instead, sellers should try to be as real and honest as possible.
Every business has some level of competition. With this in mind, sellers should not pretend that there is zero competition. A savvy buyer will be more than a little skeptical.
The key to a successful outcome is for business brokers and M&A Advisors to work with their buyers and sellers well in advance and make sure that they understand what is expected and how best to approach the buyer-seller meeting. With the right preparation, the odds of success will skyrocket.
Copyright: Business Brokerage Press, Inc.
The post Essential Meeting Tips for Buyers & Sellers appeared first on Deal Studio – Automate, accelerate and elevate your deal making.
Negotiating the Price Gap Between Buyers and Sellers
Sellers generally desire all-cash transactions; however, oftentimes partial seller financing is necessary in typical middle market company transactions. Furthermore, sellers who demand all-cash deals typically receive a lower purchase price than they would have if the deal were structured differently.
Although buyers may be able to pay all-cash at closing, they often want to structure a deal where the seller has left some portion of the price on the table, either in the form of a note or an earnout. Deferring some of the owner's remuneration from the transaction will provide leverage in the event that the owner has misrepresented the business. An earnout is a mechanism to provide payment based on future performance. Acquirers like to suggest that, if the business is as it is represented, there should be no problem with this type of payout. The owner's retort is that he or she knows the business is sound under his or her management but does not know whether the buyer will be as successful in operating the business.
Moreover, the owner has taken the business risk while owning the business; why would he or she continue to be at risk with someone else at the helm? Nevertheless, there are circumstances in which an earnout can be quite useful in recognizing full value and consummating a transaction. For example, suppose that a company had spent three years and vast sums developing a new product and had just launched the product at the time of a sale. A certain value could be arrived at for the current business, and an earnout could be structured to compensate the owner for the effort and expense of developing the new product if and when the sales of the new product materialize. Under this scenario, everyone wins.
The terms of the deal are extremely important to both parties involved in the transaction. Many times the buyers and sellers, and their advisors, are in agreement with all the terms of the transaction, except for the price. Although the variance on price may seem to be a "deal killer," the price gap can often be resolved so that both parties can move forward to complete the transaction.
Listed below are some suggestions on how to bridge the price gap:
- If the real estate was originally included in the deal, the seller may choose to rent the premise to the acquirer rather than sell it outright. This will decrease the price of the transaction by the value of the real estate. The buyer might also choose to pay higher rent in order to decrease the "goodwill" portion of the sale. The seller may choose to retain the title to certain machinery and equipment and lease it back to the buyer.
- The purchaser can acquire less than 100% of the company initially and have the option to buy the remaining interest in the future. For example, a buyer could purchase 70% of the seller's stock with an option to acquire an additional 10% a year for three years based on a predetermined formula. The seller will enjoy 30% of the profits plus a multiple of the earnings at the end of the period. The buyer will be able to complete the transaction in a two-step process, making the purchase easier to accomplish. The seller may also have a "put" which will force the buyer to purchase the remaining 30% at some future date.
- A subsidiary can be created for the fastest growing portion of the business being acquired. The buyer and seller can then share 50/50 in the part of the business that was "spun-off" until the original transaction is paid off.
- A royalty can be structured based on revenue, gross margins, EBIT, or EBITDA. This is usually easier to structure than an earnout.
- Certain assets, such as automobiles or non-business-related real estate, can be carved out of the sale to reduce the actual purchase price.
Although the above suggestions will not solve all of the pricing gap problems, they may lead the participants in the necessary direction to resolve them. The ability to structure successful transactions that satisfy both buyer and seller requires an immense amount of time, skill, experience, and most of all – imagination.
The post Negotiating the Price Gap Between Buyers and Sellers appeared first on Deal Studio – Automate, accelerate and elevate your deal making.
Finding the Best Business for You
Owning a business and owning the right kind of business for you are, of course, two wildly different things. Owning the wrong kind of business can make you absolutely miserable. So if you are considering buying a business, it is prudent that you invest the time and effort into determining the best kind of business for your needs and your personality. In a recent Forbes article, "What is the Right Type of Business for You to Buy?" author Richard Parker explores how buyers should go about finding the right business fit.
Parker is definitely an expert when it comes to working with buyers as he has spoken with an estimated 100,000 buyers over his career. In that time, Parker has concluded that it is critical that you don't "learn on your own time."
His key piece of advice concerning what type of business to buy is as follows. "While there are many factors to be considered, the answer is simple: whatever it is you do best has to be the single most important driving factor of the revenues and profits of any business you consider purchasing." And he also believes that expertise is more important than experience. Parker's view is that it is critical for prospective buyers to perform an honest self-assessment in order to identify their single greatest business skill and area of expertise. The last thing you want to do is pretend to be something that you are not.
Parker makes one very astute point when he notes, "Small business owners generally wear many hats: this is usually why their businesses remain small. Remember that every big business was once a small business." As Parker points out, whoever is in charge of the business will ultimately determine how the business will evolve, or not evolve. Selecting the right business for you and your skillsets is pivotal for the long-term success of your business.
All of this adds up to make the process of due diligence absolutely essential. Before buying a business, you must understand every aspect of that business and make certain that the business is indeed a good fit for you. According to Parker, if you don't love your business, it will have trouble growing. This point is impossible to refute. Owning and growing a business requires a tremendous amount of time and effort. If you don't enjoy owning and/or operating your business, success will be a much more difficult proposition.
Finding the right business for you is a complicated process even after you have performed a proper evaluation of your skills and interests. After all, do you really want a solid business with great potential for growth that you would hate owning? By working with brokers and M&A advisors, you can find the best business fit for your needs, personality, and goals. These professionals are invaluable allies in the process of discovering the right business for you.
Copyright: Business Brokerage Press, Inc.
The post Finding the Best Business for You appeared first on Deal Studio – Automate, accelerate and elevate your deal making.
Tackling Growth Delusions When Buying a Business
There is no doubt about it, it can be exciting to buy a new business. However, in the process, it is very important that you don't become unrealistic about future growth. Keep in mind that in the vast majority of cases, if a business is poised to quickly grow substantially, the seller would be far less interested in selling.
Richard Parker's recent article for Forbes entitled "Don't Be Delusional About Growth When Buying a Business" seeks to instill a smart degree of caution into prospective buyers. Parker notes that when evaluating a business and talking to the owner, many buyers come away with a sense that enormous growth is just "sitting there" waiting to be seized. In particular, Parker cautions those buyers who are buying into an industry that they know nothing about; those individuals should be very careful.
When buying into an industry where one has no familiarity, there can be a range of problems. The opportunities that you see may not have been tapped into by the existing owner for a range of reasons. You couldn't possibly guess what these reasons might be without more of a knowledge base. Since you are an outsider, you likely lack the proper perspective and understanding. In turn, this means you may see growth opportunities that may not exist, as the seller may have already tried and failed. Summed up another way, until you actually own the business and are running it on a day to day basis, you simply can't make a proper assessment of how best to grow that business.
The seductive lure of growth shouldn't be the determining factor when you are looking for a business. A far more important and ultimately reliable factor is stability. The real question, the foundation of whether or not a business is a good purchase option, is whether or not the business will maintain its revenue and profit levels once you've signed on the dotted line and taken over. You want to be sure that the business doesn't have to grow to remain viable.
As Parker points out, the majority of small business buyers will buy in a sector where they don't have much experience, and that is fine. What is not fine is assuming that you can greatly grow the business. Of course, if new buyers can achieve that goal, that is great and certainly icing on the cake. But don't depend on that growth.
In the end, everyone has some ideas that work and some that don't. You may take over a business and, thanks to having a different perspective than the previous owner, are able to find ways to make that business grow. But realize that many of your ideas for growing the business may fail completely.
A professional business broker will be able to help you determine what business is best for you. A business broker will help keep you focused on what matters most and steer you clear of the mistakes that buyers frequently make when buying a business.
A Closer Look at 3 Major Factors to Consider When You Buy a Business
The simple but undeniable fact is buying a business is one of the single greatest financial decisions a person can make. Buying a business can lead to great financial success or great financial failure. This fact helps to underscore why it is so important to work with an experienced broker who can help guide you through the often labyrinthian process of buying a business.
In a July 2019 article from Smallbusiness.co.uk, author Kyle Carins explores three key factors that everyone should consider before they buy a business. The first factor covered in Carins' article, "3 Things to Consider When Buying a Business," is appeal vs. viability.
Appeal Vs. Viability
Not surprising, the most important variable for most prospective owners is that the business is indeed viable. Not being able to differentiate between an appealing business and one that is viable can lead to financial disaster.
As Carins points out, "Do you want to make money or do you want to fulfill a dream?" Sometimes those two variables can intersect, but not always and not often. In the end, it is vital to know whether a given business is, in fact, potentially lucrative.
However, as Carins points out, it is also important that you choose a business that you will enjoy. Nothing can be more spirit crushing than running a business that you truly hate, even if it is lucrative. Selecting the right business for you is something of a balancing act that must take in a variety of often competing variables.
Considering Hidden Costs
The second factor that Carins looks at is the issue of "hidden costs." One of the key reasons that it is so important to work with a business broker is that a business broker understands these kinds of factors that you might otherwise overlook. Due diligence is amazingly important. For those who have never bought a business before, working with a business broker offers substantial protection against making a potentially serious mistake.
Second Opinions
The third factor examined in Carins article is "Getting a second opinion." For Carins, getting a second opinion is actually linked to due diligence. He feels that additional opinions regarding a given business should go beyond working with professionals and should also include talking to friends and family who know you well. Additional opinions can help one see angles that might otherwise be missed.
Again, buying a business is complicated and will take up a good deal of one's time and mental energy. Your friends and relatives, understand your personality and your wants and desires. Their input can be particularly beneficial.
Finding an experienced business broker can help you do more than simply establish whether or not a given business is a "good deal." Brokers with years of proven experience can also help you determine whether or not a specific business is a good fit for you and your lifestyle.
Business Buyers Can Leverage SBA Lending
Finding the money to start your own small business can be a challenge. Over the decades, countless people have turned to the Small Business Administration (SBA) for help. A recent Inc. Magazine article, "Kickstart Your Business Dreams with SBA Lending," by BizBuySell President, Bob House, explored how SBA lending can be used to the buyer's advantage.
The article covers the basics of an SBA loan and who should try to get one. House notes that the SBA doesn't provide loans itself, but instead facilitates lending and even micro-lending with a range of partners. The loans are backed by the government, which means that lenders are more willing to offer a loan to an entrepreneur who might not typically qualify for one. The fact is that the SBA will cover 75% of a lender's loss if the loan goes into default.
Entrepreneurs can benefit tremendously from this program. In some cases, an SBA loan even means skipping the need for collateral. SBA loans can be used for those looking to open a business, expand their existing business or open a franchise.
House points out that getting an SBA loan has much in common with receiving other types of loans. For example, it is necessary to be "bank ready." By "bank ready," House means that all of your financial documentation should be organized, clear to understand and ready to go.
Next, a buyer would need to check that he or she qualifies, find a lender and fill out the necessary SBA forms. In order to be eligible for an SBA loan, it is necessary that the business is a for-profit venture and that it will do business in the United States. Once the necessary forms have been submitted, it can take between 2 to 3 months for an application to be processed and potentially approved.
The simple fact is that the SBA helps thousands of people every year. If you are looking to buy a business or expand your current business, then working with the SBA could be exactly what you need. Of course, business brokers are experts on what it takes to buy. Working with a broker stands as one of the single best ways to turn the dream of owning a business into a reality.
How Employees Factor into the Success of Your Business
Quality employees are essential for the long-term success and growth of any business. Many entrepreneurs learn this simple fact far too late. Regardless of what kind of business you own, a handful of key employees can either make or break you. Sadly, businesses have been destroyed by employees that don't care, or even worse, are actually working to undermine the business that employs them. In short, the more you evaluate your employees, the better off you and your business will be.
Forbes' article "Identifying Key Employees When Buying a Business", from Richard Parker does a fine job in encouraging entrepreneurs to think more about how their employees impact their businesses and the importance of factoring in employees when considering the purchase of a business.
As Parker states, "One of the most important components when evaluating a business for sale is investigating its employees." This statement does not only apply to buyers. Of course, with this fact in mind, sellers should take every step possible to build a great team long before a business is placed on the market.
There are many variables to consider when evaluating employees. It is critical, as Parker points out, to determine exactly how much of the work burden the owner of the business is shouldering. If an owner is trying to "do it all, all the time" then buyers must determine who can help shoulder some of the responsibility, as this is key for growth.
In Parker's view, one of the first steps in the buyer's due diligence process is to identify key employees. Parker strongly encourages buyers to determine how the business will fair if these employees were to leave or cross over to a competitor. Assessing if an employee is valuable involves more than simply evaluating an employee's current benefit. Their future value and potential damage they could cause upon leaving are all factors that must be weighed. Wisely, Parker recommends having a test period where you can evaluate employees and the business before entering into a formal agreement.
It is key to never forget that your employees help you build your business. The importance of specific employees to any given business varies widely. But sellers should understand what employees are key and why. Additionally, sellers should be able to articulate how key employees can be replaced and even have a plan for doing so. Since, savvy buyers will understand the importance of key employees and evaluate them, it is essential that sellers are prepared to have their employees placed under the microscope along with the rest of their business.
5 M&A Myths and How to Deal with Them
Where your money is concerned, myths can do damage. A recent Divestopedia article from Tammie Miller entitled, Crazy M&A Myths You Need to Stop Believing Now, Miller explores 5 big M&A myths that can get you in trouble. Miller points out that many of these myths are believed by CEOs, but that they have zero basis in reality.
Myth 1
The first major myth Miller explores is the idea that the "negotiating is over once you sign the LOI." The letter of intention is, of course, important. However, this is by no means the end of the negotiations and it is potentially dangerous to think otherwise. The negotiations are not concluded until there is a purchasing agreement in place. As Miller points out, there is a great deal that can go wrong during the due diligence process. For this reason, it is important to not see the LOI as the "end of the road."
Myth 2
Another myth that Miller wants you to be aware of is that you don't have to take a company's debt as part of the purchase price. Many business brokers, such as Miller, recommend that buyers don't take seller paper.
Myth 3
A third myth that Miller explorers is a particularly dangerous one. The idea that everyone who makes an offer has the money to follow through is, unfortunately, simply not true. Oftentimes, people will make offers without securing the money to actually buy the business. No doubt, this wastes everyone's time. As the business owner, it can derail your progress. If you are not careful, it could actually prevent you from finding a qualified buyer.
Myth 4
Another myth is built around the notion that sellers don't need a deal team in order to sell their business. Again, this is another myth that has no real foundation in reality. While it may be possible to sell your business without the assistance of an experienced M&A attorney or business broker, the odds are excellent that doing so will come at a price. According to Miller, those working with an investment banker or business broker can expect, on average, 20% more transaction value!
Additionally, there are other dangers in not having a deal team in place. A business broker can handle many of the time-consuming aspects of selling a business, so that you can keep running your business. It is not uncommon for business owners to get stretched too thin while trying to both run and sell a business and this can ultimately harm its value.
Myth 5
Miller's final myth to consider is that you must sell your entire business. It is true that most buyers will want to buy 100% of a business, but a minority ownership position is still an option. There are many reasons to consider selling a minority stake, so don't assume that selling your business is an "all or nothing" affair.
Ultimately, Miller lays out an exceptional case for the importance of working with business brokers when selling or buying a business. Business brokers can help you avoid myths. In the end, they know the lay of the land.
10 Questions Everyone Should Ask Before Signing on the Dotted Line
Before buying any business, a seller must ask questions, lots of questions. If there is ever a time where one should not be shy, it is when buying a business. In a recent article from Entrepreneur magazine entitled, "10 Questions You Must Ask Before Buying a Business", author Jan Porter explores 10 of the single most important questions prospective buyers should be asking before signing on the dotted line. She points out to remember that "there are no stupid questions."
The first question highlighted in this article is "What are your biggest challenges right now?" The fact is this is one of the single most prudent questions one could ask. If you want to reduce potential surprises, then ask this question.
"What would you have done differently?" is another question that can lead to great insights. Every business owner should be an expert regarding his or her own business. It only makes sense to tap into that expertise when one has the opportunity. The answers to this question may also illuminate areas of potential growth.
How a seller arrives at his or her asking price can reveal a great deal. Having to defend and outline why a business is worth a given price is a great way to determine whether or not the asking price is fair. In other words, a seller should be able to clearly defend the financials.
Porter's fourth question is, "If you can't sell, what will you do instead?" The answer to this question can give you insight into just how much bargaining power you may have.
A business' financials couldn't be any more important and will play a key role during due diligence. The question, "How will you document the financials of the business?" is key and should be asked and answered very early in the process. A clear paper trail is essential.
Buying a business isn't all about the business or its owner. At first glance, this may sound like a strange statement, but the simple fact is that a business has to be a good fit for its buyer. That is why, Porter's recommended question, "What skills or qualities do I need to run this business effectively?" couldn't be any more important. A prospective buyer must be a good fit for a business or otherwise failure could result.
Now, here is a big question: "Do you have any past, pending or potential lawsuits?" Knowing whether or not you could be buying future headaches is clearly of enormous importance.
Porter believes that other key questions include: "How well documented are the procedures of the business?" and "How much does your business depend on a key customer or vendor?" as well as "What will employees do after the sale?"
When it comes to buying a business, questions are your friend. The more questions you ask, the more information you'll have. The author quotes an experienced business owner who noted, "The more questions you ask, the less risk there will be."
Business brokers are experts at knowing what kinds of questions to ask and when to ask them. This will help you obtain the right information so that you can ultimately make the best possible decision.
A Step by Step Overview of the First Time Buyer Process
A recent article on Businessbroker.net entitled, First Time Buyer Processes by business broker Pat Jones explores the process of buying a business in a precise step-by-step fashion. Jones notes that there are many reasons that people buy businesses including the desire to be one's own boss. However, he is also quick to point out that buyers should refrain from buying a business that they simply don't like. In the quest for profits, many prospective owners may opt to do this, but it could ultimately lead to failure.
Step One – Information Gathering
For Jones, there are seven steps in the business buying process. At the top of the list is to gather information on businesses so that one has an idea of what kind of businesses are appealing.
Step Two – Your Broker
The second key step is to begin working with a business broker. This point makes tremendous sense; after all, those new to the business buying process will benefit greatly from working with a guide with so much experience. Business brokers can gain access to information that prospective business owners simply cannot.
Step Three – Confidentiality and Questions
The third step in the process is to sign a confidentiality agreement so that you can learn more about a business that you find interesting. Once you have the businesses marketing package, you'll want to have your broker schedule an appointment with the seller. It is vitally important that you prepare a list of questions on a range of topics. There is much more to buying a business than the final price tag. By asking the right questions, you'll be able to learn more about the business and its long-term potential.
Step Four – Evaluation
In the fourth step of the business buying process, you'll want to evaluate all the information that you have received from the seller. Once again, a business broker can be simply invaluable, thanks to years of hands-on experience, he or she will know how to evaluate a seller's information.
Step Five – The Decision
In the fifth step, you'll need to decide whether or not you are making an offer. If you are making an offer, you will, of course, want it to be written and include contingencies.
If your offer is accepted, then the process of due diligence begins. During due diligence, you and your business broker will look at everything from financial statements to tax returns. You will evaluate the company's assets. Again business brokers are experts at the due diligence process.
Buying a business is an enormous commitment. Making certain that you've selected the right business for you is one of the most critical decisions of your life. Having as much competent and experienced help as possible is of paramount importance.


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The summer of 2012 drew to a close in September with home sale activity well below historical averages in the Greater Vancouver housing market.
The Real Estate Board of Greater Vancouver (REBGV) reports that residential property sales of detached, attached and apartment properties reached 1,516 in September, a 32.5 per cent decline compared to the 2,246 sales in September 2011 and an 8.1 per cent decline compared to the 1,649 sales in August 2012.
September sales were 41.6 per cent below the 10-year September sales average of 2,597.
"There's been a clear reduction in buyer demand in the three months since the federal government eliminated the availability of a 30-year amortization on government-insured mortgages," Eugen Klein, REBGV president said. "This makes homes less affordable for the people of the region."
New listings for detached, attached and apartment properties in Greater Vancouver totalled 5,321 in September. This represents a 6.3 per cent decline compared to September 2011 when 5,680 properties were listed for sale on the MLS® and a 31.6 per cent increase compared to the 4,044 new listings in August 2012.
At 18,350, the total number of residential property listings on the MLS® increased 14.1 per cent from this time last year and increased 4.5 per cent compared to August 2012.
"Today, our sales-to-active-listings ratio sits at 8 per cent, which puts us in a buyer's market. This ratio has been declining in our market since March when it was 19 per cent," Klein said.
The MLS HPI® composite benchmark price for all residential properties in Greater Vancouver is $606,100. This represents a decline of 0.8 per cent compared to this time last year and a decline of 2.3 per cent over last three months.
"Prices in the region remain relatively stable overall, although we do see some reductions in the areas that have had some of the largest price increases over the last year or two," Klein said.
Sales of detached properties on the MLS® in September 2012 reached 594, a decrease of 37.9 per cent from the 957 detached sales recorded in September 2011, and a 31.4 per cent decrease from the 866 units sold in September 2010. The benchmark price for detached properties decreased 0.5 per cent from September 2011 to $935,600.
Sales of apartment properties reached 676 in September 2012, a 26.7 per cent decrease compared to the 922 sales in September 2011, and a decrease of 30.4 per cent compared to the 971 sales in September 2010. The benchmark price of an apartment property decreased 0.7 per cent from September 2011 to $368,600.
Attached property sales in September 2012 totalled 246, a 33 per cent decrease compared to the 367 sales in September 2011, and a 35.8 per cent decrease from the 383 attached properties sold in September 2010. The benchmark price of an attached unit decreased 2.7 per cent between September 2011 and 2012 to $458,600.
Chris Frederickson | Sutton Group West Coast Realty | 604.306.1062 | email@example.com


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Freres Timber Inc. (503) 859-2111 plans to hire Rue Forest Contracting (503) 829-4150 to hack and squirt 37 acres near Upper Lake Creek with Imazapyr. See ODF notification 2013-781-00903 for more information.
ODOT is now doing fall roadside spraying. They plan to spray most of Highway 36 soon. You may reach District 5 offices at 744-8080 or call their automated information line at (888) 996-8080 for more information.


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In France, farmers who used herbicides were nearly twice as likely to have been treated for depression than those who didn't use herbicides.
Credit: USMC via Wikimedia Commons
In the spring of 2011, Ginnie Peters' "calm, rational, loving" husband suddenly became depressed and agitated. "He told me 'I feel paralyzed'," she said. "He couldn't sleep or think. Out of nowhere he was depressed."
A clinical psychologist spoke to him on the phone and urged him to get medical help. "He said he had work to do, and I told him if it's too wet in the morning to plant beans come see me," Mike Rossman said. "And the next day I got the call."
Peters took his own life. He was 55 years old.
No one knows what triggered Peters' sudden shift in mood and behavior. But since her husband's death, Ginnie Peters has been on a mission to not only raise suicide awareness in farm families but also draw attention to the growing evidence that pesticides may alter farmers' mental health.
"These chemicals that farmers use, look what they do to an insect. It ruins their nervous system," Peters said. "What is it doing to the farmer?"
Farming is a stressful job – uncontrollable weather, physical demands and economic woes intertwine with a personal responsibility for land that often is passed down through generations. But experts say that some of the chemicals used to control pests may make matters worse by changing farmers' brain chemistry.
Recent research has linked long-term use of pesticides to higher rates of depression and suicide. Evidence also suggests that pesticide poisoning – a heavy dose in a short amount of time – doubles the risk of depression.
"For years there was a high level of denial in the farming community that mental illness exists, period," said Lorann Stallones, an epidemiologist and psychology professor at Colorado State University. "But there's been a shift – partly because there's more people talking about being mentally incapacitated."
Depression is the most common mental disability in the United States. About 7 percent of U.S. adults annually experience at least one two-week or longer stretch of depression, according to the National Institute of Mental Health. There is no national data on whether farmers and their workers are more prone to depression.
The causes are complex. There "are millions, even billions, of chemical reactions that make up the dynamic system that is responsible for your mood, perceptions, and how you experience life," according to a Harvard Medical School report.
Some research suggests that the chemicals that farmers and their workers spread on fields may alter some of these brain chemicals.
Peters and his wife were among 89,000 farmers and other pesticide applicators in Iowa and North Carolina who have participated in the Agricultural Health Study led by the National Institute of Environmental Health Sciences.
Last month, epidemiologist Freya Kamel and her colleagues reported that among 19,000 studied, those who used two classes of pesticides and seven individual pesticides were more likely to have been diagnosed with depression. Those who used organochlorine insecticides were up to 90 percent more likely to have been diagnosed with depression than those who hadn't used them. For fumigants, the increased risk was up to 80 percent.
"Our study supports a positive association between depression and occupational pesticide use among applicators… and suggests several specific pesticides that deserve further investigation in animal studies and other human populations," the authors wrote in the journal Environmental Health Perspectives.
The major strengths of the research are its large number of participants and its detailed pesticide exposure data, said Stallones, who was not involved in the study.
The applicators were asked about depression when enrolled in the study and then again around 2010. Most previous studies only asked once about depression.
Similar results were found when Kamel and colleagues analyzed the same group from 1993 to 1997. Farmers with the highest number of lifetime exposure days to pesticides were 50 percent more likely to later have a depression diagnosis.
The studies don't prove that pesticides cause depression, but animal testing indicates that it's possible, said Cheryl Beseler, an environmental health researcher at Colorado State University. In rat tests pesticides have altered brain cells, neurotransmitters and production of a protective acid.
In France, farmers who used herbicides were nearly twice as likely to have been treated for depression than those who didn't use herbicides, according to a study published last year. The study of 567 farmers found that the risk was even greater when the herbicide applicators had been doing it for more than 19 years.
The studies suggest that chronic exposure to low levels over time may raise the risk of depression.
It's not surprising she (Kamel) found the links between depression and those who had been poisoned," Stallones said. "But the association held true for those that didn't report poisoning."
Colorado farmers who suffered pesticide poisoning – a large dose in a short period of time – had double the risk of depression during the next three years. In addition, pesticide applicators in the North Carolina and Iowa group who suffered pesticide poisoning were 2.5 more likely to later have a depression diagnosis.
Most insecticides work by disrupting insects' nerve cells. At high enough doses, they can alter human nerve cells as well.
"I don't think there's any question that pesticides can affect the functions of the brain," Kamel said, referring to experiments that found pesticides harm rats' brain tissue and receptors. "There could also be indirect effects. Pesticides can promote other health problems, which could be related to depression."
For instance, Dr. Beate Ritz, a neurologist and professor at the University of California, Los Angeles, found that Californians exposed to pesticides are more likely to have Parkinson's disease. One effect of the neurological disease, characterized by a lack of the chemical dopamine, is depression.
Melani Forti, director of health and safety programs for the Association of Farmworkers Opportunity Programs, said one of the biggest challenges in protecting farmworkers is a lack of scientific evidence for health impacts from pesticides.
"A lot of it is anecdotal, we need more research like this from the federal government," she said. Depression "is yet another health effect from pesticides, and farmworkers need to know about this."
Several studies have linked suicide to pesticide use. In Brazil, workers that used more pesticides were more likely to commit suicide, and in China, a World Health Organization survey of 9,800 people in the rural Zhejiang province revealed that those who stored pesticides in their homes had more than double the risk of having suicidal thoughts.
Wendy Ringgenberg, an assistant professor at the University of Iowa, combed through 19 years of national data and reported that farmers and farm workers were 3.6 times more likely to die of suicide than other professions. However, the study did not examine the causes of suicide.
Ringgenberg noted that "farmers feel occupational stress for many reasons, including management of own company, self-reliance, personal illness, diseases in crop or livestock, long work days, few vacation days, caring for family members, relationships with family members and neighbors, work in a changing world, national and world politics, and weather."
Migrant and seasonal farmworkers face stresses related to working conditions, cultural barriers and being away from home and family, Forti said.
The seven individual pesticides that were linked to depression diagnoses in Kamel's study were the fumigants aluminum phosphide and ethylene dibromide; the phenoxy herbicide 2,4,5-trichlorophenoxyacetic acid (2,4,5-T); the organochlorine insecticide dieldrin; and the organophosphate insecticides diazinon, malathion and parathion.
Of those, "only aluminum phosphide, diazinon, and malathion are still registered and in use," Cathy Milbourn, a spokesperson for the Environmental Protection Agency, said in an emailed response. The EPA cancelled the registrations of ethylene dibromide, 2,4,5-T, dieldrin, and parathion, Milbourn said. Aluminum phosphide, diazinon, and malathion are undergoing EPA review.
Three of the largest pesticide manufacturers – Monsanto, Syngenta and Bayer CropScience – said that they do not produce the seven pesticides linked to depression in Kamel's study, but none would comment on the broader issue of mental health and pesticide use.
Many developed countries, including the United States, have phased out organochlorines and organophosphates, but Stallones said regulations do not fully protect workers.
"It's really important to consider chronic low level exposure and most regulatory agencies base their work on acute high level exposure, which is not analogous to 20 years of occupational use of the pesticide," Kamel said. "That's a problem."
Neonocotinoids– the newer class of pesticides that Matt Peters was handling when he committed suicide – weren't included in Kamel's study. However, they are suspected of causing bee die-offs because they harm bees' brains and nervous systems. The chemicals' impacts on humans are unknown since no studies have been conducted.
Peters was heavily exposed to other pesticides, too, including organophosphates, his wife said. "Matt did almost all of his own spraying of the crops," she said.
Ginnie Peters remembers her husband as an even-keeled, kind, loving man who made it a point to treat younger farmers and farm workers with respect.
A fourth-generation farmer, he left behind a son and daughter. His grandfather, also a farmer, suffered from depression as well.
When he died, it "messed with every piece of my being," she said.
While there is no evidence to blame the pesticides Peters was handling on his Dallas County farm, Stallones said it's possible he was poisoned because depression symptoms can show up suddenly after a large dose.
Rossman, the clinical psychologist, said it "certainly seemed that there was a chemical contribution to this man being unable to sleep and emotionally paralyzed."
But when Rossman and Ginnie Peters sent his blood in for chemical analyses, they were unable to get results due to complications at the medical examiner's office.
An adjunct professor in environmental and occupational health at the University of Iowa, Rossman said many farmers are open to hearing about the possible dangers of pesticides. But economic realities remain.
"Even if they hear my message, they have to make choices: Do I need to use this chemical for the good of my farm, or do the negative factors – what it could be doing to the insects, food supply and possibly people – make it not worth it?" he said.
Ginnie Peters tries to cope by mounting her new mission: bringing suicide out of the darkness and drawing attention to the chemicals that could be playing a role.
"I don't have ability to do the science," she said, "but I have my gut, and what happened to Matt, it had to be the chemicals."
This article originally ran at Environmental Health News, a news source published by Environmental Health Sciences, a nonprofit media company.


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White Nights Watercolour Pans/ Cake – Basic Colours Open Stock
Extra-fine artist's watercolour "White Nights" are professional watercolours of the highest quality that combine old masters' traditions and modern production techniques. The paints are produced of finely ground pigments and binders with the addition of Gum Arabic, which is recognized as the best natural adhesive for professional watercolours. The colours have high intensity colour, which do not tone down even when more water is added, thanks to the high concentration and finely ground pigments. The paints have perfect mixing, smearing and spreading qualities. The colour palette consists mostly of mono pigment and lightfast colours. 2,5 ml pans. Made in Russia


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Richard Hawk, the rapper better known as Silento, was arrested on Monday in Georgia on felony murder charges. According the DeKalb County Police Department, Hawk was booked at 6:35 p.m. ET local time on Monday.
Hawk's claim to fame was producing the hit dance song "Watch Me (Whip/Nae Nae)," which became a viral sensation in 2015. The YouTube video of the song has been seen over 1.7 billion times.
Hawk is being accused of killing his cousin, Frederick Rooks, 34, the DeKalb County Police Department said.
The DeKalb County Police Department said that it began an investigation into Rooks' death on Jan. 21 in Decatur, Georgia. A spokesperson for the police told Variety that Rooks was found dead on the morning of Jan. 21 at 3:30 a.m. in a driveway.
"After a thorough investigation, DKPD detectives identified Hawk as Rooks' cousin, and the person responsible for Rooks' murder," the DeKalb County Police Department said in a statement to Variety. "Investigators are still working to uncover the motive for the shooting."


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Aired 6 years ago - Oct 18, 2017
With the gunman still at large and the residents of Riverdale on edge, Betty leads the charge to save Pop's after learning that the diner may be forced to close its doors forever. Meanwhile, the gang becomes increasingly concerned for Archie's well being after noticing a string of unusual behavior from him. Elsewhere, Betty and Veronica approach Cheryl and Josie for their help saving Pop's, while Jughead's attempt to find FP a new lawyer may have some serious repercussions. Finally, when a past betrayal unexpectedly comes to light, Veronica finds herself at a crossroads with Hiram and Hermione.
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Dorsten Sofa
Regular price
Regular price
Sale price
Unit price
This contemporary sofa has comfort written all over it. From the plush cushions to the textured gray fabric, it's a total winner for relaxation. Designer throw pillows in blue, brown and tan complement the richly neutral upholstery.
Height | 38in | |
Width | 92in | |
Depth | 40in | |
Details | Corner-blocked frame, Attached back and loose seat cushions, High-resiliency foam cushions wrapped in thick poly fiber, 4 decorative pillows included, Pillows with soft polyfill, Polyester upholstery and pillows, Exposed feet with faux wood finish, Platform foundation system resists sagging 3x better than spring system after 20,000 testing cycles by providing more even support, Smooth platform foundation maintains tight, wrinkle-free look without dips or sags that can occur over time with sinuous spring foundations | |
Shade | Dark | |
Material | Fabric | |
Lifestyle | Contemporary | |
Dimensions | 92''W x 40''D x 38''H |
View in Room
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SRAM Rival Flattop Chain w/PowerLock
The Flattop technology of the SRAM Rival chain creates a lighter, quieter, stronger chain that's compatible with 12-speed 1x and 2x eTap AXS drivetrains. Ride far, long, and fast. This chain can go the distance.
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- Use for both 1x and 2x eTap AXS
- Includes Flattop PowerLock
Part Numbers
Option | UPC | MPN | Store SKU |
Silver / 120 Links / 12 | 710845862946 | 00.2518.044.011 | CHA44734860R |


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Moran, Allen & Associates Family Law Respects Your Privacy
Moran, Allen & Associates Family Law is committed to privacy and confidentiality. This Privacy Policy describes information the Firm receives from inquiries received through the Firm's website. Questions regarding this statement should be directed to Moran, Allen & Associates Family Law at [email protected].
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The information provided will be reviewed by Moran, Allen & Associates Family Law for purposes of responding to your inquiry.
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It is Moran, Allen & Associates Family Law's policy to respect the privacy of its clients.
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Tax changes have made it even more important to consider carefully, when running a business, whether it is best to trade as:
- Sole trader – an individual
- Partnership – two or more individuals or companies
- Limited liability partnership
- Limited company
Should you form a limited company?
We are often asked, 'Should I form a limited company?' The reality is that there is no easy answer. Each situation has to be judged individually. As well as the obvious issues of tax and national insurance contributions, there are many other potentially relevant factors, such as:
- The business
- Its expected rate of growth
- The profitability of the business
- The likely profit trend
- The degree of commercial risk
- Administrative obligations
- Personal preferences
- Pensions and retirement
In the early years of a business, the privacy and fewer administrative obligations of operating as a sole trader or partnership may be attractive. Business funds can be used with fewer restrictions than in an incorporated environment.
However, we are considering here the consequences of incorporating or not. A company is a completely separate legal entity subject to two main areas of regulation – tax and company law. This guide looks at some of the advantages and disadvantages of trading as a limited company. It is important to discuss your specific situation with us.
Possible advantages of forming a limited company
- Incorporation normally provides limited liability. If a shareholder has paid fully for his or her shares, he or she cannot normally be required to invest any more in the company. Although companies with bank borrowings often have to provide directors' personal guarantees, the protection of limited liability will generally apply in respect of liabilities to other creditors.
- A company enjoys legal continuity – it can own property, sue and be sued.
- Effective ownership or part ownership of the business may be readily transferred. Whilst such transfers may well be covered by inheritance tax business property relief, the capital gains tax position needs careful review.
- On occasions, a bank can take extra security by means of a charge over the assets of the company, and this will increase the amount that can be borrowed compared with a sole trader or partnership.
- External investors may be entitled to the tax breaks available through investing in the company using the Enterprise Investment Scheme or the Seed Enterprise Investment Scheme.
- Shareholders can be paid in dividends (currently free of NICs) but strict company law formalities must be observed.
- The national minimum wage and national living wage regulations do not apply to directors (as they are office holders) unless they have a statement of terms and conditions of employment.
- Growing businesses can reinvest profits after a corporation tax charge of 19% compared with 40% (41% in Scotland) for higher rate or 45% (46% in Scotland) for additional rate tax paying sole traders and partners together with a 2% class 4 national insurance charge on profits over £46,350.
- Accumulated funds could be withdrawn on a sale of shares with the benefit of capital gains tax entrepreneurs' relief whereby business gains are taxed at 10% on the first £10,000,000 of capital gain. Thereafter any gain over the level of the relief is taxable at 20%.
- Corporate status is sometimes thought to add to the credibility or commercial respectability of the business.
- A company can establish a registered pension scheme, which may provide greater benefits than self-employed schemes.
- A company can incentivise staff through tax advantaged share options issued under the Enterprise Management Incentives scheme.
- Employees may, with adequate safeguards, be offered an opportunity to buy their own stake in the business, reflecting their commitment and importance to the company.
- The liability of executors acting for deceased shareholders, or of trustees, is clearly defined.
Potential disadvantages of a limited company
- Formation of a company incurs legal and administrative costs, which may include new accounting records and possibly systems, new PAYE system, new business tax reference, new VAT registration, requirement to file a corporation tax return, new stationery etc.
- Customers, suppliers and service providers must be informed of a change to limited company status.
- The tax position arising on the incorporation of an existing business needs careful analysis. It may be possible to defer capitals gains tax on the transfer of goodwill etc, but the timing and effect of cessation on income tax must be closely planned.
- Annual accounts must comply with the requirements of the Companies Act. In most cases, a statutory audit is not required for companies if the company satisfies at least two of the following criteria:
- an annual turnover of £10.2 million or less
- assets worth no more than £5.1 million
- 50 or fewer employees on average
- The statutory audit involves work over and above that which is normally carried out for a sole trader or partnership.
- A company's accounts must be filed on public view with the Registrar of Companies. An annual confirmation statement (CS01) must also be completed online for the Registrar of Companies. The fee is £13. There is a severe penalty regime in force for failure to file on time.
- The company will be taxed on its profits of each accounting period, as opposed to the income tax 'current year' basis for sole traders and partnerships. A company must file a corporation tax return.
- Funds withdrawn from a company normally give rise to tax liabilities, whereas owners of unincorporated businesses can generally introduce and withdraw cash without tax implications.
- Remuneration for directors is subject to both employees and employer's National Insurance liabilities – currently up to 25.8%. For example on a remuneration of £30,000 there may be a NI liability of up to £5,566.61. Both the company and its directors are liable to NIC on many benefits in kind, and a form P11D must be prepared for each director, whatever the level of earnings. This can lead to extra work in filing a tax claim for reimbursed expenses etc for which individual tax relief is available.
- Tax on directors' remuneration paid monthly is payable on the 19th of the following month (22nd for electronic payment) through the PAYE system, and corporation tax is payable nine months after the end of a company's accounting period. For a sole trader or partnership, tax is generally paid by instalments on 31 January and 31 July on the current year basis. The 'credit period' depends upon the choice of accounting date, and you should contact us for further advice on this.
- The 'IR35' legislation relating to personal service companies could be relevant, especially for IT contractors and other service providers who work for only one customer.
- Companies pay tax on capital gains at their corporation tax rate. In a company, a capital gain is reflected in the value of its shares and if these are sold a 'double charge' to capital gains tax can arise. This may be avoided if assets that are likely to increase in value are owned either outside the company or within a self-administered pension scheme, or if a company is sold complete with its assets
- An individual has greater flexibility in dealing with trading losses, particularly in the important early years of the business.
- A company director is more at risk of criminal or civil penalty proceedings, e.g. for late filing of accounts or for breaching the insolvency rules.
Is it beneficial for you to trade through a limited company?
We are here to help you through what can sometimes be a maze of options to ensure that you fully understand your options and consequences that are relevant to your situation. There can be no substitute for a detailed analysis, and our Chartered Accountants will be happy to help you in any way we can.
Please complete our website contact form if you would like further help or advice on this subject.


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Meet with our pharmacist in the private consultation room to talk about:
- The medicines you are taking
- What they do
- How well they work for you
- How to get the most out of them
What is a Medicines Use Review (MUR)
A medicines use review is an appointment with one of our pharmacists to focus on how you are getting on with your medicines. It is an NHS service and you don't need to pay for it.
The meeting is to:
- Help you find out more about the medicines you are taking
- Pick up any problems you are having with your medicines
- Improve the effectiveness of your medicines. There may be easier ways to take them, or you may find you need fewer medicines than before.
- Get better value for the NHS- making sure that your medicines are right for you prevents unnecessary waste.
Our pharmacist will have questions to ask you, and may suggest changes to your medicines. You may have concerns or questions that you want to ask. You can ask anything at all about your medicines.
Remember you can ask our pharmacist questions at any time, but a review will give you and us both more time to concentrate on you and your medicines.
How you may be offered a review:
Our pharmacist might invite you for a review either in person or in a letter through the post.
You can also ask our pharmacist for a review. You must have been getting your prescriptions from us for three months or more.
Is a medicines use review for you?
You can ask for a medicines use review if:
- You are regularly taking more than one prescription medicine
- You are taking medicines for a long term illness (like asthma, arthritis, diabetes or epilepsy)
Our pharmacist will be happy to arrange a review meeting, and may even suggest it. Your doctor or nurse might also suggest that a review would be helpful.
Even if you are not in either of these groups, you can ask our pharmacist for advice at any time.
If there is an urgent problem with medicines, don't wait for a medicines use review. If you or somebody else, notice one of the things on this list, don't delay:
- If you have taken too much of any medicine
- If you have an allergic reaction to a new medicine (such as wheezing, rash, swelling or fainting)
- If you notice a serious side effect or any unusual symptoms
- If you notice your health getting worse
In any of these cases, talk to a doctor or pharmacist straight away.
What you can expect in the review meeting
Our pharmacists have undergone special training and have been assessed to make sure they have the right knowledge and skills to provide this service.
The meeting is confidential.
•We have private consultation rooms in our pharmacies where you sit down together with the pharmacist and can't be overheard by customers or staff.
•Your details and your discussion will be kept private. You can talk openly and your questions or worries will be listened to. Only you and your GP will normally receive a record of the meeting.
Our pharmacist will listen and help
•We will be ready to hear your concerns and your questions. You can be open with us and say whatever you want in these meetings.
•Our pharmacists will only know about medicines that you have received from our pharmacy. We will not have a record of prescriptions you may have picked up from another pharmacy. We will not have your medical history or details about your illness. So it's important to tell us as much as you can.
What happens afterwards?
•Everything may be okay with your medicines and nothing else will need to happen.
•You will be given an Action Plan which will include any changes you have agreed in the way you take your medicines. This will be filled in by our pharmacist during the review.
•A copy of the Action Plan will go to your doctor and be kept with your medical notes.
•Our pharmacist may recommend a change to your prescription. You will have a note of this in the Action Plan. Both you and your doctor will need to agree on any changes to your prescription, so you may be asked to make an appointment with your doctor to discuss these. No changes will be made against your will.
Questions you may want to ask
These are just suggestions. You can ask us any questions you like about your medicines.
•What does this medicine do?
•Why is it important that I take this medicine?
•Are there any other treatment options?
•When and how should I take it?
•How long should I take it for?
•What other medicines, drinks, foods or activities should I be aware of when I am taking this medicine?
•What should I do if I don't feel well while taking it?
•How do I know it's helping?
•How can I be sure it's safe for me to take?
•What are the possible risks and side effects?
•What should I do if I get one of these effects?
•Could another medicine do a better job, with less risk?
•What if I stopped taking it, or took a lower dose?
•Will the medicine build up in my body?
•Do I really need to take these medicines?
•Is there anything that can help to remind me to take my medicines?
•Can I have containers that are easier to open?
•Could you provide the patient information leaflet in larger print?
•Where can I go for more information?
Please do not hesitate to contact us if you require any more information on the Medicines Use Review service.


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If you believe you should be able to view this directory or page, please try to contact the Web site by using any e-mail address or phone number that may be listed on the sillybahrainigirl.blogspot.com home page.
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Create a Professional Basketball Team Website
Transform your WordPress blog into a fully configurable website for your basketball team. Features a suite of basketball tools including basketball admin branding.
SportsPress for Basketball is currently in Beta. Please feel free to share your feedback with us so we can continue to develop and improve SportsPress for Basketball!
- Basketball Admin Branding to replace the SportsPress icon with a basketball
- Schedule Games (Fixtures & Results)
- Basketball Court Information & Maps
- Starting lineup and bench.
SportsPress Pro
Looking for more advanced basketball functionality? Upgrade to SportsPress Pro to get access to more advanced features for your basketball team website.
SportsPress Themes for Teams
Please Rate, Vote, and Enjoy!
Your feedback is much appreciated and makes all the difference in improving SportsPress for Basketball.
Minimum Requirements
- WordPress 3.8 or greater
- SportsPress 2.1 or greater
- PHP version 5.2.4 or greater
- MySQL version 5.0 or greater
Automatic Installation
Automatic installation is the easiest option as WordPress handles the file transfers itself and you don't even need to leave your web browser. To do an automatic install of SportsPress for Basketball, log in to your WordPress admin panel, navigate to the Plugins menu and click Add New.
In the search field type "SportsPress for Basketball" and click Search Plugins. Once you've found our basketball plugin you can view details about it such as the point release, rating and description. Most importantly of course, you can install it by simply clicking Install Now. After clicking that link you will be asked if you're sure you want to install the plugin. Click yes and WordPress will automatically complete the installation.
Manual Installation
The manual installation method involves downloading our basketball plugin and uploading it to your webserver via your favorite FTP application.
- Download the plugin file to your computer and unzip it
- Using an FTP program, or your hosting control panel, upload the unzipped plugin folder to your WordPress installation's wp-content/plugins/ directory.
- Activate the plugin from the Plugins menu within the WordPress admin.
Automatic updates should work like a charm; as always though, ensure you backup your site just in case.
If on the off-chance you do encounter issues with the game/team/player/staff pages after an update you simply need to flush the permalinks by going to WordPress > Settings > Permalinks and hitting 'save'. That should return things to normal.
Will SportsPress for Basketball work with my theme?
Yes; SportsPress for Basketball will work with any theme, but may require some styling to make it match nicely.
Can I import teams/players/staff/games?
Yes, CSV importers are included with the core SportsPress plugin. Go to Tools > Import and choose from one of the SportsPress CSV importers.
There are no reviews for this plugin.
Contributors & Developers
"SportsPress for Basketball" is open source software. The following people have contributed to this plugin.
Contributors"SportsPress for Basketball" has been translated into 3 locales. Thank you to the translators for their contributions.
Translate "SportsPress for Basketball" into your language.
Interested in development?
Browse the code, check out the SVN repository, or subscribe to the development log by RSS.
- Feature – Apply default sport setting for smoother installation.
- Tweak – Simplify substitutes and change label to bench.
- Tweak – Update TGMPA library.
- Tweak – Display basketball icon in place of SportsPress logo.
- Tweak – Display events as games.
- Tweak – Display venues as courts.
- Tweak – Display substitutes as bench.
- Tweak – Remove substitute dropdown.


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"I don't expect to win enough games to be put on NCAA probation. I just want to win enough to warrant an investigation." Bob Devaney / Nebraska
"At Georgia Southern, we don't cheat. That costs money and we don't have any." Erk Russell / Georgia Southern.
"Football is only a game. Spiritual things are eternal. Nevertheless, Beat Texas ." Seen on a church sign in Arkansas prior to the 1969 game.
"After you retire, there's only one big event left....and I ain't ready for that." Bobby Bowden / Florida State
"The man who complains about the way the ball bounces is likely to be the one who dropped it." Lou Holtz / Arkansas
"When you win, nothing hurts." Joe Namath / Alabama
"Motivation is simple. You eliminate those who are not motivated." Lou Holtz / Arkansas
"If you want to walk the heavenly streets of gold, you gotta know the password, "Roll, tide, roll!" Bear Bryant / Alabama
"A school without football is in danger of deteriorating into a medieval study hall." Frank Leahy / Notre Dame
"There's nothing that cleanses your soul like getting the hell kicked out of you." Woody Hayes / Ohio State
"In Alabama , an atheist is someone who doesn't believe in Bear Bryant." Wally Butts / Georgia
"You can learn more character on the two-yard line than anywhere else in life." Paul Dietzel / LSU
"It's kind of hard to rally around a math class." Bear Bryant / Alabama
When asked if Fayetteville was the end of the world. "No, but you can see it from here." Lou Holtz / Arkansas ...
"I make my practices real hard because if a player is a quitter, I want him to quit in practice, not in a game." Bear Bryant / Alabama
"There's one sure way to stop us from scoring-give us the ball near the goal line." Matty Bell / SMU
"Lads, you're not to miss practice unless your parents died or you died." Frank Leahy / Notre Dame
"I never graduated from Iowa , but I was only there for two terms - Truman's and Eisenhower's." Alex Karras / Iowa
"My advice to defensive players: Take the shortest route to the ball and arrive in a bad humor." Bowden Wyatt / Tennessee
"I could have been a Rhodes Scholar, except for my grades." Duffy Daugherty / Michigan State"
Always remember..... Goliath was a 40 point favorite over David." Shug Jordan / Auburn
"They cut us up like boarding house pie. And that's real small pieces." Darrell Royal / Texas
"Show me a good and gracious loser, and I'll show you a failure." Knute Rockne / Notre Dame
"They whipped us like a tied up goat." Spike Dykes / Texas Tech
"I asked Darrell Royal, the coach of the Texas Longhorns, why he didn't recruit me and he said: "Well, Walt, we took a look at you and you weren't any good." Walt Garrison / Oklahoma State
"Son, you've got a good engine, but your hands aren't on the steering wheel." Bobby Bowden / Florida State
"Football is not a contact sport-it is a collision sport. Dancing is a contact sport." Duffy Daugherty / Michigan State
After USC lost 51-0 to Notre Dame, his postgame message to his team: "All those who need showers, take them." John McKay / USC
"If lessons are learned in defeat, our team is getting a great education." Murray Warmath / Minnesota
"The only qualifications for a lineman are to be big and dumb. To be a back, you only have to be dumb." Knute Rockne / Notre Dame
"Oh, we played about like three tons of buzzard puke this afternoon." Spike Dykes / Texas Tech
"It isn't necessary to see a good tackle. You can hear it." Knute Rockne / Notre Dame
"We live one day at a time and scratch where it itches." Darrell Royal / Texas
"We didn't tackle well today but we made up for it by not blocking." John McKay / USC
"Three things can happen when you throw the ball, and two of them are bad." Darrell Royal / University of Texas
"I've found that prayers work best when you have big players." Knute Rockne / Notre Dame
"Gentlemen, it is better to have died a small boy than to fumble this football." John Heisman