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Tips for international students pursuing a business career in the United States

Many international students come to the United States in the quest of pursuing a fulfilling business career. These students are oftentimes inspired by foreign businesspeople who’ve done very well in the western world, such as Fahad Al Rajaan. For many foreign students, studying and working in the US can present a lot of opportunities that may not have been presented to them in their home countries.

While there are plenty of opportunities to excel in business in the United States, there can also be a lot of challenges. To help international students succeed as they pursue their business goals in America, here are some tips for foreign students planning for a business career in the United States.

Work Closely With Your University Advisor
Moving to a new country can be very difficult. If you have relocated to the United States to attend one of the country’s myriad excellent universities, it’s important that you work closely with your university advisor. He or she will be able to ensure that you are taking the right classes in order to achieve your degree goals. Your advisor will also be able to help you with any difficulties that you might be having as a newcomer in a foreign place.

Pursue Internships And Volunteer Opportunities
Internships are a phenomenal way for foreign business students to really learn about the ins and outs of the business world in the United States. At an internship, you’ll gain invaluable hands-on experience that you can’t duplicate in a classroom setting. This is also where you’ll be able to make industry connections that might help to land you a job when you graduate.

Have An Open Mind And Always Be Learning
It’s normal to feel a little overwhelmed when you relocate to a foreign country. However, one of the most important things for international students to remember is that it’s normal to feel a little out of place. However, you can master the cultures and customs of your new home as long as you always keep an open mind. You should strive to be perpetually learning about the world around you, both in and out of a classroom setting.

Be Ready To Start In Lower Level Positions When You Graduate
When you graduate, you won’t be taking on a high-level job right away. In the world of American business, newcomers are expected to “start at the bottom” so to speak, degree or no degree. The biggest thing to remember about the American career landscape is that starting in a lower position and working your way up is considered not only normal, but admirable. It’s just the way that things are done in the United States.

Moving to the United States to pursue a business degree and eventual job is challenging but extremely rewarding. If you follow these tips and work hard, you can find success in the American business world. There are plenty of opportunities for international students who are ready and willing to make the effort.

Creating value by changing the purpose of your property or business

How Re-Purposing Vacant Commercial Property Can Lead to Economic Growth
Cities across the country are filled with vacant commercial properties, especially those left when big box stores close. These properties can bring blight to neighborhoods. In some cases, they may stand empty for years, causing the economy in the surrounding area to decline. Some innovative companies, such as Starwood Ceruzzi, have started purchasing, renovating and re-purposing such properties. Doing this can lead to economic revitalization for the entire community in several ways.

Re-Purposing Leads to Higher Property Values
A major issue when a retail space is abandoned and left vacant is a drop in the property values of property in the surrounding area. As property values fall, more businesses may also lose money, leading to additional closures and an escalation of the problem. When a commercial property is renovated and opened again, surrounding property values normally rebound, increasing with the presence of the new businesses. This can also draw new residents as the neighborhood becomes more desirable.

Re-Purposing Brings in New Business
Large renovated and reopened retail spaces can be used to attract new big-box businesses or to be divided up for use by numerous smaller ones. They can also be transformed into distribution or manufacturing centers. All of these new uses can help revitalize the local economy of the city in which the property is located. New business means new tax revenues for cities as well as additional money being poured into the local economy, benefiting all residents in turn.

Re-Purposing Helps to Reduce Crime
A link between vacant commercial properties and increases in crime rates has been repeatedly demonstrated. As property values fall and more businesses close, the crime rate for the entire city may increase. When these vacant properties are instead purchased, renovated and leased for new business uses, research has demonstrated a corresponding drop in crime.

Re-Purposing Leads to Additional Jobs
One of the best results of rehabbing and re-purposing vacant commercial properties is bringing new jobs for people living nearby. With the size of some of these buildings, potentially hundreds of new jobs can open up to the community. This can result in lower unemployment rates and more money being spent in the local economy. The availability of new jobs can improve the welfare of everyone living in a city. This has the potential to bring struggling communities back together and on their feet. Previously unemployed people who find new jobs have also been shown to have improved senses of self-worth and higher self-esteem, which lead to fewer issues with substance abuse, domestic violence and other problems.

People like louis ceruzzi, the owner of Starwood Ceruzzi, have taken the innovative approach of purchasing these types of vacant properties. They then renovate them and help to attract new businesses, leading to a better economy and environment for all. This is an example of how such activity within the commercial real estate marketplace can actively benefit entire neighborhoods, communities and cities. It brings new life to a community along with new jobs, a better economy and less crime.

Using social media for internal communications

Businesses Can Manage Internal Communications Through Social Media
Communication is one of the hallmarks of business. Interacting with customers is important. After all, they are the ones creating the valuable revenue streams that fund any enterprise. However, internal communications are equally important for companies of any size. Keeping employees informed of events, promotions, and announcements with a single post instead of an email blast can help increase the personalization and interaction of a simple company memo. Social media helps businesses manage internal communications. In fact, companies with non-traditional business models, like ACN, can put the social tools to work in several effective low-cost ways.

Consistent Messages
One of the biggest benefits of social media applications is the consistent message delivered to employees. Not only does everyone get precisely the same update, but employees from around the globe can interact with the post and each other. This process creates a personal experience that allows employees that would not normally communicate with each other to develop special bonds. Plus, those bonds and simple communications can lead to other benefits such as exchanging ideas, best practice benchmarking, and the overall growth of the company. Instead of a single impersonal email, social media posts can be accompanied by a picture and a statement, which increases the chances of it actually being seen.

Low Cost
Perhaps the biggest asset of using social media to assist in internal communications is the low cost associated with the medium. Twitter, Facebook, Google Plus, and other sites are free for companies and employees to use, which makes them an easy sell for any company watching the bottom line. Further, non-traditional companies, like those with multi-level marketing models, can harness the power of social media to highlight accomplishments, showcase conferences, and promote awareness. Since the associated cost of the technology is extremely low, businesses can increase the frequency of communication according to demand.

In the end, social media helps businesses manage internal communication by delivering a consistent message at an extremely low cost. With the advent of mobile technology on the rise, employees of all levels can have instant access to any type of special information. Since the posts also offer a way for employees to interact, the entire organization can come out a winner simply by initiating some sort of call to action. In short, social media can be the spark that helps a business enhance communication and move to the next level of success.

How to put your long term investments on autopilot

In the US, pensions are rare for most workers, and those who do want to save for retirement are encouraged to use employee funded plans such as 401Ks. The problem that most investors have is that most of them are not professional investors. In fact, most are not even casual investors, and often do one of either two things, make no decisions at all, or leave the decisions to some kine of financial expert.

Doing nothing is not a good option, and leaving decisions completely to others is a better idea if the financial advisor is charging a minimal amount for their services. One company that takes the latter approach is Wealthfront (www.weathfront.com), which is an automated investment service that manages a diversified, low-cost portfolio of index funds.

Wealthfront makes it easy for investors who are willing to do a minimum of work to track their investments by creating personalized online investment account that is accessible anytime and anywhere from your desktop, tablet, phone, or other mobile device. The company supports the following types of accounts:

– Individual, joint, trust, & LLC taxable accounts
– Traditional, Roth, & SEP retirement accounts (IRAs)
– 401(k) rollover accounts
– 501(c) accounts for non-profit institutions

What are the Wealthfront investment options?
Wealthfront uses exchange traded funds (ETFs) that track indexes for the 11 major asset classes. These kinds of broad, market based investments historically have been more consistent than individual stocks. Their analytical process can also provide investors with reasons why a particular ETF was chosen.

How much does Wealthfront cost?
Wealthfront requires a minimum of $5,000, and charges no fees for the first $10,000. After that, the charge is 0.25% per year. There are no additional fees for their service, and no trading commissions. For A $100,000 investment, the annual costs would be $225 (0.25% of $90,000).

While investing with Wealtfront is not like putting your investments completely on autopilot, it can take most of the work out of your investing decisions. Interested investors should visit Wealthfront.com and evaluate their service for themselves.

How to find guidance for online commodities training

The creation of the Internet has opened up the door for people being able to make money from the comfort of their home in a wide variety of ways. Over the past several years, there has been an explosion in the popularity of online commodities trading. There are now many different websites that allow people to open accounts, deposit their money and begin trading commodities with other users on a global scale. The ease and speed with which people can make money in this manner has attracted millions of people to online trading. Some people have quit their jobs and begun trading at home full-time. Here is how to make money trading online.

Get the proper instruction
While some people are blessed with a natural aptitude for online trading, most people will need to learn all of the ins and outs of commodities trading before they can be successful at it, let alone make a full-time living doing it. Therefore, it would be wise for all people who are seriously interested in trading online to enroll in a course that is given by a reputable online trading school, such as the Online Trading Academy. You can review online review sites to find out the experiences of former students, or check with the Federal Trade Commission to see if the company has been associated with inappropriate business behavior. The school that you choose to give you your instruction is important. Keep in mind, trading is a risky endeavor. The possibility exists that you could lose a large sum of money very quickly if you make the wrong trade. Learning about online trading from an excellent school will teach you how to minimize your risk and make wise decisions. They will also show you which commodities to stay away from.

Talk to successful traders
After you complete your online trading course, your education will not be complete. Just because you took a few classes does not mean you are ready to dive head first into the potentially dangerous waters of online trading. It would be in your best interest to talk to people who are already successful online traders. Ideally, you should try to find people who are making a living by trading full-time. These are people who obviously know enough about the art of trading to support themselves. These are the individuals who can teach you the most useful information. Ask them how they got started. Get them to tell you some useful tips that you can apply to your own online trading.

Things To Consider When Performing A Title Search

There are numerous things to consider when performing a title search. The value of the property is necessary to know before making a purchase. The previous history of ownership is also important for individuals who do not want to make a bad investment. Making a decision about the number of owners can also help a person to decide whether or not the investment is going to be worthwhile in the long run. The history of the property can also indicate the likelihood of being able to do business in a location as the property is intended for professional purposes. For more information a person has before purchasing property the user will be for them to make the best investments with their real estate investment money.

Property Value
If a person is interested in doing a investigation into a piece of property, understanding the value of the property is important before quitting and an initial offer. If a person is going to perform a title search in vic, they will need to be working with a company that is reputable and can give me information which is up to date and legitimate. The research methods used by a company to determine the value of property is also an important part of the consideration in terms of which company to utilize the services of when having the search completed. The relevance of the information is also essential for evaluation purposes. If the information is updated on a regular basis it will be seen as credible and can be utilized to make financial decisions. The ability to make financial decisions which are going to be the emphasis for long-term investments is important for the majority of individuals who are not knowledgeable about the real estate market.

Ownership History
Understanding the ownership history as a free is also essential to making intelligent decisions regarding real estate. If there are a lot of people making the investment and the property only to turn it over quickly people should consider the possibility that there’s something wrong with the land itself. Having a surveyor or other professional individual investigate the problems with the property prior to making an investment is essential for individuals were looking to do business on the property. This will also enable people to make the best decisions as it relates to understanding the zoning laws and regulations regarding a certain area. The more knowledge people have about the specifics expected from them when making an investment in a certain area me easier it will be for them to make decisions regarding it for long-term planning necessary when purchasing property.

10 CRM Mistakes Financial Advisors Should Avoid

As a financial advisor, your relationship with clients comes first, but how should you manage these relationships successfully? One of the many customer relationship management (CRM) solutions on the market can help you to improve those relationships. For on-the-go professionals, Contactually works everywhere you do – in the office and on the road. Another cloud-based option, Salesforce, offers similar portability. Whichever CRM you choose, avoid these 10 common mistakes to get off to a good start.

1. Not Identifying a Purpose
For a CRM to be an effective tool, you first need to identify why you are wielding it. Do you want to increase referrals or branch out into new regions? Knowing what you hope to accomplish can define how you use the software.

2. Failing to Realize Its Full Potential
You’ve just invested in a powerful tool. Be sure to use it to its full potential. In addition to managing customer relationships, a CRM can also streamline workflow and track performance.

3. Bypassing Training
New software can be intimidating without training. Although you may be anxious to jump in, make time for training. From learning short cuts to understanding features, time spent now can save you countless hours later.

4. Doing Too Much at Once
Rolling out a new system that promises to improve business is exciting. Don’t let that enthusiasm tempt you to do everything at once. Instead, pick out the most important features and implement those first.

5. Neglecting Standard Operating Procedures
Establishing standard operating procedures is important. By creating standard protocols, you can ensure that everyone uses the system the same way, maximizing efficiency.

6. Underestimating the Power of Leading by Example
It’s difficult to convince others to use a new system when you’re not using it yourself. Lead by example. Your enthusiasm about the product will be catching.

7. Planning for In-Office Use Only
Today’s business world isn’t tied to a cubicle. Consider how you can use the product on the go. By planning for mobile use, you won’t miss capturing important customer data on the road.

8. Assigning It to a New Hire
It may be tempting to hand off the software to a new hire. However, new hires don’t yet understand the company well enough to implement a CRM. Instead, get experienced employees in the system first.

9. Overlooking New Features
To improve their products, software companies roll out new features all the time. Check the website periodically to see what’s new.

10. Forgetting Maintenance
In the excitement of using a new CRM, it can be easy to overlook maintenance. Performing routine checkups can help you avoid compounding mistakes.

Even the best financial advisors can make common mistakes. By knowing what you want out of a CRM and tailoring the implementation to accomplish those goals, you can reap the full benefits. Improved customer relationships are sure to follow.

Are you a saver or a spender?

Figuring out if you are a saver or a spender seems to be a simple proposition. Simply put, if you spend more than your make, then there is no chance that you can be a real saver, since your liabilities will be greater than your assets.

If you have a BBT checking account with a balance that makes you feel good when you look at it, but at the same time you have a credit card bill that is higher than the bank balance, then your are fooling no one but yourself.

Rather than staring at a bank balance, one should think about saving in a more general way. Think of savings as an attitude or a habit that makes it more likely that you have positive financial things happening in your life. Having a savings habit doesn’t guarantee that positive financial outcomes will happen, but it makes it more likely that they are happening in your life.

In the following simple example, imaging that the following money habits or money situations are true:

  • Having a savings account with a high interest rate is better than having one with a low interest rate (note that banks typically give higher rates for accounts with higher balances).
  • Paying off a car loan is not as attractive as owning a car free and clear.
  • Paying off a card in full at the end of a month is better than carrying a balance.
  • Spending less than you make every month is better than having some months where you run out of money or have to dip into your savings.
  • Believing that savings is easy is better than thinking that savings is hard.
  • Saving for a special project or for your health or education is better than not doing so.

Reading about good examples stimulates your mind in one way, and looking at pictures stimulates a different part of you mind. You can check out at the infographic below and the words above and between the two you should be about to figure out what good money habits would work for you.

Savers Vs Spenders Infographic by Newcastle Permanent Building Society

The Real Cost of Driving Uninsured

If paying your monthly insurance premium feels like a hassle at times, you may be tempted to let your policy lapse. Doing so will leave you and your car uninsured on the road. While some drivers consider the cost of insurance to be too large to be beneficial, looking at the costs of repairs for uninsured vehicles can be eye opening. The following infographic gives greater insight about the real cost of driving uninsured.

fix it yourself infographic
Presented By IFA Auto Insurance

Average Cost of Vehicle Repairs
If you are found at-fault in an accident while driving an uninsured vehicle, the cost of all repairs will fall on you. Whether or not you choose to fix your own vehicle, you are legally responsible for repairing damage done to another driver’s vehicle. While the average driver pays over $1,400 each year for a car insurance policy, the savings can be enormous if that policy is needed.

Lawsuits and Legal Representation
On top of the costs of repairing damaged vehicles in a car accident, uninsured drivers may also be held responsible for the costs of legal claims. An accident victim who is injured in a car accident may press legal charges against an uninsured driver resulting in lawsuits for:

  • Medical Costs
  • Lost Income
  • Pain and Suffering

The next time you think your insurance premium is too expensive, be sure to take these factors into consideration to see the real cost of driving uninsured.

Buying A Car Dealership Securely

When people want to make an investment in a car dealership, they need to look in a place like http://performancebrokerageservices.com/buy-a-car-dealership/ to get help making the deal work. These brokers are professionals who understand how to manage these deals to make sure that they go over well for both parties. If there is a large investment on the line, these brokers are the right people to manage that amount of money.

The Contract Price
The two sides need to negotiate the price for the investment, and the broker is the person who can mediate these deals. The broker knows the all the particulars for these deals, and they can use their expertise to guide the negotiation in the right direction. These sales are going to be very expensive, and the broker can help to make sure that both sides feel like they are making the right decision when they are signing the deal.

The Cash
The cash that is exchanged in the deal is something that must be handled by a third party. The broker can handle all the cash so that it is delivered to the right people in the right time. The broker makes sure that the deal is handled fairly, and they also make sure that both sides of the deal walk away from the table happy about what they have received in the deal.

The Signing
The deal is signed in the presence of the broker to make sure that there is someone there to witness it. The broker is the person who registers the contract in the city or county, and they also make sure that all the lawyers involved get all the information they need about the final deal.

When the broker is brought in to handle the deal, they are going to help the two sides that are negotiating. These two sides need these professionals to make sure that all their deals go off without a hitch. The broker is the impartial third party that makes everyone’s life easy when large amounts of money are changing hands at the table.

Paying Bills with Short Term Money Options

People who live in the Rocky Mountain area can testify to the rising cost of living in these states. As the prices for housing, groceries, utilities, and more go up, more families in these states find it challenging to stretch their paychecks to cover all of their bills. When unexpected bills arise in between pay periods, it can be easy for people to panic and fear being unable to meet these obligations. Rather than have their bills turned over to a collection agency or have their utilities shut off, they can use financial remedies like a Nevada payday loan to get money fast and meet these obligations.

When they want to know more about this financial option, people might wonder where they can get all of the facts they need. They can learn about these options by going online and reading all of the information on the website at their leisure. The website contains a host of details that will give people all of the facts they need to understand and apply for one of these loans. They can discover the interest rate, payment methods, approval amounts, and more before they complete an application.

Completing the application also can be done entirely online at clients’ convenience. People can avoid rushing home to fill out an application for fear of missing the deadline or the website shutting down for the day. The site is available around the clock, which lets people who work odd hours get access to this financial option anytime they want. They can wait until they get off work or after they put the kids to bed to sit down and fill out the application at leisure.

When they submit their application, people may think that they have to wait days or weeks to find out if they have been approved. However, they can generally find out within hours if they can get the money they need to pay bills. If they are approved, people have the option of getting the money deposited into their bank accounts or onto a prepaid card. These direct deposit options let the transaction occur safely and in a timely manner. People can get access to their cash quickly rather than having to find a place that will cash a paper check. They can pay their bills, eliminate the worry that comes from being indebted or without important purchases, and move on with their lives.

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