How to Start a Small Business?

What Does 2011 Hold in Store for HR?

2011-01-06T10:55:00.000+05:30

As the New Year dawns, and as always it’s a time for reflection. There were many things that made 2010 a great year in HR, but many more that will make 2011 especially exciting. Some areas will change slightly, while others will undergo a complete overhaul. You know what they say-out with the old, in with the new. So, with that said, let’s take a look at what’s coming down the pike in the New Year.

Welcome 2011!!!

Getting Down With The Tech Craze.

What once seemed to be the realm of generation Y, organizations are now seeing the need to integrate technology and social interaction tools into the way they do business. This could mean developing dedicated project/department related interactive networks to keep abreast of developments, or investing in smart phones for staff in the field. Smart companies are embracing technology to enhance their business and the productivity of employees.

The challenge for HR will be developing standards on who gets what, and keeping an eye out for possible abuses. But usually, staff members are so happy that you are investing in helping them do a good job, that you’ll only have the rare bad apple.

Increased Customer Engagement.

It is no longer enough for a business to have great products, nice customer service representatives and perhaps a discount every now and again. Nowadays customers want more. They want to be involved with the companies they do business with. Who runs the company, what is its mission? Do they care about me?

With the rise of social media into a mainstream staple, companies are flocking to Twitter and Facebook in an effort to engage their customers where THEY hang out. Posting company updates, service offerings, and just letting people get to know the individuals that make the company go ‘round. So in 2011, I think that many HR departments will be implementing some type of “social media outreach” in an attempt to humanize the company and engage customers.

Stepping Up to the Plate.

As companies tighten their belts and strive to get the most bang for their recruiting and training buck, HR will become more involved in the operational side of things and have more accountability for reducing hiring times and ensuring the effectiveness of training programs.

This year there is no room for “fluff” programs that don’t have a measurable return on investment, even if only employee satisfaction or company image-as long as it’s measurable. Be prepared to fully back up any initiatives you propose and establish a collaborative partnership with the operations folks. You need each other.

Staff Development and Succession Planning.

What if all of the senior leaders of your company were in a collective freak accident-would the business survive? Sometimes the top people in a company are afraid to groom subordinates, due to fear of a takeover. But little do they know, they’re actually shooting themselves in the foot.

The smart exec knows that having a few well trained go-to people actually increases his worth. One, it shows that he knows how to develop talent-an important asset. Also, he will have the ability to delegate more and focus his efforts on the big picture. Our role as HR Managers will be to help identify talent and nurture it to prominence. And, be careful about just focusing on the obvious “overachievers”, but take out the magnifying glass and search for that diamond in the rough, as well. You’d be surprised as the potential of some of your supposedly average employees.

How Light is Your Carbon Footprint?

As more companies jump on the “green” bandwagon, this measure will increasingly used to evaluate your company. Thinking of ways to become more efficient, waste less, kill less trees, etc, will become more important this year.

Things like evaluating your records retention and destruction policy, buying recycled toner cartridges, and sponsoring employee car sharing programs are all a step in the right direction. And as usual, HR will be tasked with the development and implementation of many of these programs.

Create A Sought After Work Environment.

With the economy starting to show improvement, there will soon be more jobs available than in the previous two years. This means more competition to keep top employees and recruit the best from the ranks of the unemployed. The clincher for a lot of job seekers and hoppers is not just cold hard cash, but also many other incentives.

Does the company value their employees and show this in the form of frequent rewards and recognition? Are there opportunities for advancement and specialized training? These are some of the deciding factors.

Another concern is “how human” is the company.

Do they offer solutions to foster a healthy work/life balance?

Is there a daycare on the premises?

How about the attendance and vacation policy?

Are they overly restrictive, or accommodating to life’s curve balls?

If an employee has to give you forty hours of their life per week, they are looking for something in return.

As the year is just dawning, I am sure that there will be many new HR Trends that evolve as the months pass by. These are just a few of the areas I think have been clamoring for attention and are ripe for change. I think that the next decade will bring about a whole new way of working.

Are you ready?

Share your thoughts.

What do you see as the possible trends for 2011?

Best HR Blogs 2010

2011-01-01T14:31:00.001+05:30

As we sadly say farewell to 2010, many of you are thinking back over the last year and all of the many events that made twenty ten one for the books. Here at Young HR Manager, I wanted to take a moment to rewind the year and highlight some of my Favorite HR blogs and individual HR Posts of 2010.

In going through my list of favs, these are the cast of characters that I can regularly turn to for great HR insight, a dose of wisdom, and even a bit of sarcastic humor at times. These blogs are great for keeping a finger on the pulse of the HR community and the issues that our employees face just trying to make a living in the old 9-5. So without further ado, I present Best of HR 2010

I have to say that one of my all time favorite blogs to follow is The Evil HR Lady. Suzanne Lucas- the self proclaimed Evil HR Lady, has a style all her own. Her blog is fresh and engaging and she often tackles sensitive subjects other bloggers may shy away from. This HR Lady is definitely no shrinking violet and her frank candor has won her a huge following.

One of my favorite aspects of Suzanne’s blog is that she keeps it very interactive and takes a ton of HR questions from readers, which she answers in her posts. Very detail oriented and direct, “Evil” is never afraid to call a spade a spade. Her sometimes hard to swallow, but practical advice is always beneficial.

One of my favorite posts was written by the friend of a college student who wondered if a recent DUI would affect his chances at a government job. Suzanne answered in rare form. Her opening line was “Yes, it will affect him. Your friend is an idiot.” Gotta love her.

Here’s the post:

Another DUI Questions

Another blogger I like, but for an entirely different reason, is Nick Corcodilos, of “Ask the Headhunter”. Nick is a very intelligent guy and great at what he does, even if he often takes pot shots at us HR folks.

Nick is known for challenging the organizational structure and being an advocate for the job seeker. He may not be everyone’s cup of tea, but I like to read his work for a few reasons.

1- I like someone who is not afraid to rock the boat. Sometimes you learn the most about flaws in a system and how to improve from someone who is in the process of tearing you a new one. If I put my ego in my pocket, I usually tend to learn a thing or two from his posts.

2- Nick has a cause. He is adamant that the current way of people finding jobs is seriously flawed and puts it all on the table to bridge the barrier between his readers and their dream job. Hey, you gotta love a man with conviction.

One of Nick’s recent posts that really made me think was a riff on HR for doling out raises to people who just show up to work and do the bare minimum, instead of awarding based on performance. Delivered in his classic style, Nick expressed his belief that HR doesn’t know a hat from a hole in the ground, but it was definitely an interesting read. Obviously, his readers thought so as well, based on the spirited discussion that followed.

We Pay Bonuses For Showing Up

Another blogger that challenges the status quo is Laurie Ruettimann, aka The Cynical girl. Laurie is all over the place at times (cats?), but she often poses some thought provoking questions. Not afraid to ruffle a feather or two, Laurie often challenges ideas and perceptions, including those “gurus” with a huge following.

Take Seth Godin for example. He is as close to “a made man” in his sphere as you can get. However, The Cynical girl is not afraid to throw a few darts at his balloon. I always love a writer that goes against the grain because it makes me expand my thinking and examine my convictions. Laurie does just that.

This piece from November takes Seth to task regarding his idealistic stance that everyone is brandable and the need to find emotional and physical well being at work. If you love what you do- great. But if not, suck it up and go home to the missus.

Reasons To Work

On the flip side of the coin, we have Ryan Estis of Passion on Purpose. The good guy of HR, Ryan is definitely a pro in his area of expertise. Ryan advocates creating a “passion” based company culture, in which the employees and customers are fiercely engaged and supported towards excellence.

Ryan is a great read whenever you need an upper on a Monday morning and is big on recognizing people and drawing poignant lessons from life and applying them to business.

According to Ryan, it doesn’t take a high powered exec to positively influence the company brand-any dedicated employee will do. Ryan recently ran into a Starbucks employee while on a layover who rekindled his belief in customer service excellence.

Giving the Gift of Happiness in Terminal

Last, but certainly not least, we have Shauna Moerke from HR Minion. Open, witty, and insightful, Shauna is the HR person you want to sit across from at lunch. Shuana has a wicked sense of humor and has done a great job as ringleader of the Carnival of HR.

A self proclaimed “HR Minion”, Shauna provides great posts on taking charge of your career, making sure you follow through, and humorous posts on how to really ROCK HR in your organization.

A recent fav looked at the fact that all fingers point to HR when there is an issue, but what about all the things we do right?!

When You Are In HR Nobody Cares

These are just a few of the great blogs I check out in the regular. I would love to list a lot more, but then you’d be yelling at me for a totally too long post. So, to make it short and sweet, here goes:

A BIG SHOUT OUT TO EVERYONE THAT MAKES HR SO MUCH FUN.

You know who you are. See you next year!

P.S. Share your favorite blogs or posts of 2010

HR Manager Position – HR Issues To Rock This Planet

2010-11-20T15:08:00.001+05:30

Whether private or public, all organizations are passing through difficult and uncertain times. The recession in the global economy, and the related financial crisis are having a great impact on both government and private sectors. The banks are increasingly reluctant to lend money. HR reacted to this crisis by large scale redundancy program and also by freezing the new recruitments.

Gradually this trend is changing and many of the big organizations are focusing more on work force planning. In the rush to downsize, eventually the company or organization loses so many talented employees.

The slow-down is obviously having an impact on most of the organizations world-wide. The private sector is focusing on reducing cost and increase profits. The HR Manager position is supposed to play a key role as a commercial function. Public sectors are not remaining untouched; consultants are also helping government and government owned organizations for making their operations more efficient. The strategy of the government, for their financial institutions, in many countries has been the bailout strategy. Budgets were fine-tuned, and in several countries the civil services were rationalized. In such situations, HR Managers should pilot the organizations through uncertain times.

HR Manager should support the cost-reduction measures, but at the same time the HR Manager position should remind the board of bigger picture, and other ways of cutting cost than head counts. These can include:

Exploring redeployment of employees, where ever feasible.

Placing strategy for talent retention and management in place.

Reassuring the employees remaining that they are valued

It should be HR Manager's duty to lead the organization in difficult times; and capitalizing on the opportunities presented by down turn. HR should also work closely with the Board to think creatively on understanding the performance of the organization, and make plans that would fulfill the organizational requirements. HR Manager should also be able to motivate and retain talented employees in uncertain environment.

It is the need of the hour that HR boosts up the spirits of the employees who are considered to be the lifeblood of the organization. It will assist the organization in the attainment of the corporate goals through satisfaction of the personal objectives of its employees. Further steps in an attempt to retain the valuable human resource of any organization may include the proper reward system being introduced in the organization. The motivation level of the employees has to be raised in order to have the better results on a larger scale.

To lessen the impact of the global recession, HR department holds the key responsibility to serve as a link between the management and the employees. The opinion of the senior employees in the hierarchy of any organization should be valued. In the light of their experience and professional expertise, HR needs to make some appropriate recommendations to the management so as to get the company out of the unforeseen and unpleasant business situations. It will be having a twofold affect; firstly, it will be beneficial for the organization to take full advantage of the competency of its employees, secondly; the employees will feel valued and will be encouraged to contribute more towards the betterment of the organization.

However, it is not only the HR Manager who is supposed to rescue the ship of the organization all alone. It needs the cooperation and assistance of the higher level management as well. That is to say that there has to be an air of cooperation and assistance from the management. The management lays down the policies for the organization and its employees, so a heavy responsibility lies on the shoulders o the management to watch the interest of the employees so as to retain the most of the hard working employees. There has to be a lenient approach when it comes to monetary punishments and deductions in the salary of the employees as it will dishearten them as there is an ever increasing inflation rate due to the Global Financial Crisis.

Moreover, it will be useful if the management gives an option to the employees about the method of doing a particular job. It will create an air of confidence and trust between the employer and the employee and they could be better able to contribute to the benefit of the organization.

The Roles and Functions of the 21st Century HR Office.

2010-11-17T19:37:00.001+05:30

Long gone are the days when the HR function could be handled by one person. The infamous “HR Lady” has now been replaced by a full staff of professionals with diverse functions. HR now seems to be the catch all when it comes to any facet of employee relations and company culture. Also, in the current employment environment, what constitutes Human Resources continues to evolve on a daily basis.

If you will give me a few minutes, I’m going to take a slightly tongue in cheek look at the HR function in a typical large company. It may seem like the world’s most strenuous job sometimes, but there are definite benefits. Once we go through the list, you may realize that a job in HR may be the hotspot for career advancement and even provide semi-security from the unemployment surge.

Ok. First up are those brave and valiant souls we call HR Generalists. The front line of an HR office, they deal most with the company’s employees and are responsible for many of the day to day operations. Their duties include:

- Explaining to a tenured employee why they have no more PTO (Paid time Off) time available.

- Researching and explaining the complex web of employee benefits.

- Assisting with interviews.

- Receiving and processing the fifty million possible types of employee forms.

- Payroll - I don’t think I need to say any more about that.

A tenacious Recruiter is also critical to any HR department. Responsible for attracting and recruiting top talent, this person has their hands full. Also, guess who catches the heat if the employee from Hades makes their way through the screening process? Yep, you guessed right. This keeper of the gate is up to her elbows in:

Sifting through a thousand and one resumes (some abysmal) and cover letters.

Conducting phone screenings and scheduling interviews, in addition to listening to about a million voice messages.

Walking raw recruits through computerized testing. Hey, didn’t her application say she was proficient in all Microsoft applications?

Wading through qualifications, making offers, counter-offers, and pitching the company’s benefits.

Maintaining a smile all day long at the local job fair. Someone buy that poor girl a Starbucks.

Trainers are also on the front line of shaping the organization. Critical to individuals at all levels of the organization, a successful training team is invaluable. They often have their finger on the pulse when it comes to the needs and complaints of the employees, and are invaluable in planning new initiatives. Perhaps one of the most undervalued positions, these folks:

Conduct new-hire orientation and training. Someone has to get those raw recruits into shape.

Support the functional departments with process training

Shape the company culture through the use of soft skills and collaborative training modules.

Provide an ear for frustrated employees.

Perform the miracle of getting Susie in inventory control to become proficient in Microsoft Excel.

HR Managers are the glue that keeps it all together. Tasked with overseeing Generalists, Recruiters and Trainers, HR managers also have to ensure that the goals and objectives of Senior Leadership are being implemented across the organization. This can be a tightrope to walk, but the successful Manager knows how to maintain the delicate balance. Some critical responsibilities are:

Ensuring the smooth running of the HR office.

Gaining buy-in from the operations Managers and Supervisors for new policies.

Conducting town hall meetings to disseminate new programs and guidelines to employees. Anyone hear crickets?

Administering assimilations or team building exercises.

Overseeing recruitment efforts.

Developing incentive programs.

Investigating claims of racism, sexism, and every other ism you can think of.

Listening to the never ending list of employee issues and complaints.

Everything else under the sun.

All jokes aside, HR is one of the most versatile and hardest working functions of any organization. They impact every aspect of the company and are stewards of its vision. HR engages in leadership and management development, employee counseling, community outreach, and a whole lot more.

By working in Human Resources, you gain a diverse skill set that can be transferred into so many other positions. A company simply could not function without your expertise and dedication. So the next time you feel down about your job, remember that HR runs the show.

I’m just serious.

2010 Common Wealth Games

2010-07-15T23:58:00.003+05:30

There is great news for all the people who are in love with sports. Those people can easily enjoy the games in a better manner as the 2010 Common Wealth Games is on its way. You would be having a great time with the arrival of this multinational sport. This event is considered to be the third largest of all of the multi sport events and has a large fan following too. You would not want to miss all the fun and excitement that comes with the sporty events then you must get ready for the commonwealth games 2010

This is a sports event which is organized after every four years. You can have a really great time watching many different sports in this event. Many countries from different parts of the world participate in this event to make it more exciting and entertaining for the viewers. There are almost 54 countries who are the members of this event and the common wealth games 2010 are going to be held in Delhi, India.

The country who is going to host this event in the year 2010 is India. The people would enjoy this sporty event right from Delhi as it would be held in the month of October. The dates have also been finalized and would be between the 3rd and 14th of October. Commonwealth games news let you know about this event. There are many web sites that can provide you with the news related to this wonderful and exciting event. Once you have come to know everything about this event then you would also want to go to Delhi and be a part of this event. Commonwealth games Delhi 2010 is a great event which attracts the tourists to India. Once you have reached this destination then you would not only want to restrict yourself to this particular event but want to see the whole country too.

Due to the commonwealth game 2010 India is getting many tourists towards it. The importance of the country is enhanced greatly due to this event. The sports are really wonderful for attracting the tourists and viewers and this can help the country to improve its economy also. After the summer Olympic game and the Asian games this event is considered to be at the third place. There are many games that are a part of this event. There are many wonderful places to visit in Delhi which you can enjoy along with the game. The Delhi tour becomes more interesting with this game.

Journey of a Fresher in the Corporate World

2010-05-25T22:38:00.000+05:30

"All the world's a stage,
And all the men and women merely players;
They have their exits and their entrances;
And one man in his time plays many parts,
His acts being seven ages.”

As You Like IT - William Shakespeare

According to William Shakespeare the human life is divided into seven different stages the first being the birth of a child/infant and the last termed as his second childhood. On similar lines, I thought of classifying the various stages of a new entrant from college into a world full of challenges, opportunities and competition. Where success is not defined by the opportunities you grab but by the opportunities you let go. Where apart from passion, commitment and energy you need to have the ability to take risks. Where you would learn to work in teams and that you can’t survive in silos. Whatever you have dreamt in the past of achieving in future is put on a real test to evaluate your mental and emotional stability.

Welcome to the World of Corporates

An Infant is Born:

The birth of an infant in the corporate world symbolizes the time when a fresher enters or joins a company directly from campus. He is unaware of what his future will be and what beholds in the coming times. He tries to seek answer to his queries (mewling) in order to give his best and to secure/attain a place in the organization.

Whining School-boy:

He learns the tricks of the trait and is finally acquainted to this professional world wearing rose colored glasses and entering this art gallery with big dreams and aspirations and is soon pulled down to the ground with rope of responsibilities and expectations. The poor entrant is always nervous and doubtful about his decisions and thus unintentionally troubles and annoys the big fishes in the net and gets smacked (whining)

The Lover:

Well! Everything in this universe has negative and positive effects. After getting smacked by the big bosses the fresher finally realizes the responsibilities he has on his shoulders and falls in love with his work and tries his best to design and decorate his lady (job responsibilities) with world’s best ornaments (ideas and presentations)

The Soldier:

Now he neither knows any difference between day and night nor he remembers when to eat and rest, only thing that runs in his mind is work and commitments, which is going to fetch him the entire world in terms of earning a good reputation in the society which might be short lived however he can put his personal life at stake for this very bubble reputation.

The Justice:

He is no longer a fresher now but an image with a round belly and beard with a formal cut which symbolizes his position in the corporate world and the big chunk of money that he has made. On account of his experiences he is full of wise expressions with latest examples and sans any doubts preaching everyone like a priest from outside but internally is a big fish ready to eat the small ones entering his world.

Reference:

Amit Bhagria is an experienced corporate HR professional specializing in the field of people development simulations to drive learning within organizations. He has a fair idea on the functioning in the corporate world, change, leadership, diversity, and team building. He can be reached directly at amitbhagria@younghrmanager.com or through his own web site at http://www.younghrmanager.com/

Rewards and Recognition Programs For Employees in the Organization

2010-05-24T23:16:00.000+05:30

Rewards and Recognition share the same first letter ‘R’ however have different meanings all together.

As a child I was very quick and apprehensive with respect to my school formalities like collecting donation or some fund for the needy. Whenever such activity was announced I wanted to be the first and the maximum contributor in my entire class. My efforts were not because I was kind hearted and concerned for the people. Well at that time I was too young to understand the realities of life. Then what was the reason behind my generosity?

I was concerned whenever my teachers deducted any marks from my answer scripts. I used to question them and eat their heads till the time I was not convinced why the marks were deducted. I always wanted to outshine others in my class with highest marks & percentage. What was the real reason behind such a behavior? Was this only for getting recognition and becoming famous?

Now turn the pages of history and close your eyes and peep into your childhood days when you were in school. “Ah! What a lovely time and golden period, but can become more wonderful if I become the class monitor, Wait….Wait….Wait how about becoming the captain of the school” Exactly these thoughts have kept on charming you throughout your school or childhood days. Isn’t it? Do you know why?

All the above questions refer to the fact that ‘Recognition and Rewards’ are the two sides of the same coin. Recognition is an art by virtue of which you acknowledge the efforts of a person to do something exceptional beyond the call of his duty whereas Rewards are a satisfying return, can be in the form of monetary or non monetary gain, of a desired behavior or outcome.

It’s a proven fact that motivated employees are critical to a company’s bottom line. By Recognizing our people’s dedication, commitment and results — we boost their morale, increase productivity, enthusiasm and create powerful motivators.

Rewards can help create the right employee – team environment. An atmosphere that is encouraging and favorable to achieve the contributions and efforts an organization needs.

Don’t let your best people’s efforts go unrecognized or unrewarded.

About the Author:
Amit Bhagria is an experienced corporate HR professional specializing in the field of people development simulations to drive learning within organizations. Included among the subject areas he addresses are rewards and recognition programs, change, leadership, diversity, and team building. He can be reached directly at amitbhagria@younghrmanager.com or through his web site at http://www.younghrmanager.com/

Economic Engine is starting to Purr...

2010-04-10T08:14:00.001+05:30

Job losses have started to reverse, and sales are up in some industries. It may be time to think about getting a business loan The fallout from this recession has made many businesses fail, but if you’re still standing that’s actually good news for you. All those customers will have to go somewhere else, and you’re in a unique position to actually expand your business as the economy starts to recover.

First, Your Business Model

Take a hard look at your business model with an eye to expanding your reach to customers both online and offline. Make no mistake even if you are a local business you should have an online presence. Outsource the creation of your site, if you have to, and make sure it has the features that will attract people to your door and make them loyal customers. You’ll want to take a look at the best ways to do business and include technological upgrades that can help you steam ahead against the competition. In terms of investments, technology is by far the cheapest, as it is a one-time expense that pays back dividends thereafter.

Second, Your Location

Reassess your location. Are you reaching the demographic you need to reach where you are? Moving a business is tough, but this recession has provided a unique opportunity for small businesses to expand their base of operations by buying commercial property while it is discounted. If you want a better locale, now is the time to get it. That may mean taking out a commercial loan and putting funds aside for moving and promotion of the new location.

Last, Hiring

Another great way to expand your business is through hiring. The rule of thumb is that hiring is always last, but this year might be different. With new federal incentives for hiring, your business can easily hire people and get 6.2% of the wages paid in a tax break for hiring in 2010. You do have to make sure your hire falls within the criteria for the Hiring Incentive to Restore Employment (HIRE) Act. This can help you expand your business and give someone a chance at a great job too!

Bill consolidation: How can you do it and what are the benefits?

2010-04-10T08:08:00.001+05:30

Why should you consolidate your bills when there are other options to pay off your dues? The answer is bill consolidation is often a better way to pay off your debts.

For debtors, there are various techniques to go forward with bill consolidation. Debt consolidation loans and other plans are offered with affordable terms and conditions. These debt relief solutions are designed in such a way that helps consumers get out of debt without difficulties. You can consolidate your bills in various ways and some of them are described below.

Various ways of consolidating your bills

1) Home equity loans

If you have accumulated a lot of equity in your home, you can opt for a home equity loan to consolidate and pay off your bills. You can gain from the low interest rate available with these loans. This is basically a secured loan that is backed by the equity in your home. You should keep in mind that this is a new loan you’re taking out and you have the responsibility of repaying it. Failing to pay this loan might result in losing your home.

2) Balance transfer credit card

You can go for a low or 0% interest balance transfer credit card and shift the balances of your high-interest credit cards to that card and pay them off comfortably. This is a better option when you’re facing problems in getting approved for a debt consolidation loan.

3) Unsecured personal loan

You can obtain an unsecured personal loan from a credit union or bank and use it to pay off your bills. The advantage is that you don’t have to provide any security. However, the interest rate might be somewhat higher.

Benefits of consolidating your bills

You should consolidate your bills for a number of reasons and some of the advantages of bill consolidation are given below:

 A single payment each month
 Reduced monthly payments
 Affordable interest rates
 No creditor or collection agency harassment
 Improvement of credit score
 Waiver of late fees and over limit fees

Bill consolidation can be an outstanding option to become debt free forever and secure your financial future.

Students Loan Consolidation Programs

2010-03-23T14:55:00.002+05:30

Student Loan Consolidation Programs has never been easier with todays Internet resources at your finger tips. When looking for the best student loan consolidation information take some time to research the the process of getting the best rates and plans for yourself.

So what does student loan consolidation involve I hear you ask? If you are a current or former student with school loans, you have probably been bombarded with mailed and on line solicitations to consolidate your debt. The loan application process can seem overwhelming, particularly if you have more than a couple of loans issued from a number of lenders. However, it is generally simple and straightforward if you are prepared. There are several advantages for having a student loan consolidation program and although they won't all apply to you, some of them will. Here is a brief overview of what you can expect when you decide to consolidate your student loans.

First, you will need to choose a lender for your student loan debt consolidation It has never been easier than it is today because we have Internet resources available at our finger tips.
There are many to choose from, but, in general, it's smart to stick to a well-established financial institution. These lenders will have a variety of payment plans and discounts, and they will be less likely to sell your loan to another lender in the future. There should never be a charge or fee for consolidating student loans. As well, a lender should not need to check your credit because Federal student loans are guaranteed by the U.S. government.

Next, you will need to fill out a student loan consolidation application Remember to gather all the student loan consolidation information you have on your existing loans prior to filling out your application. Also, you will need to supply personal references. Before you sign your name on the application, make sure that you clearly understand the terms of the new loan. Ask about incentives and discounts that can help reduce your payment. Many lenders have forms you down load and on line calculators to determine the amount you will pay with your new loan.

Once you have submitted your completed student loan consolidation application, the lender will send each of your loan holders a Loan Verification Certificate (LVC) to verify the amount owed on each of your Federal student loans. You can expect that your existing lenders will take up to 30 days to return the LVCs. Once these certificates are processed, the interest rate will be calculated and a disclosure statement is prepared. Checks will be issued to your lenders to pay off your loans, and your new consolidated loan will be issued.

This entire process can take between 30 to 180 days to complete, and if information is missing from your application, it can take even longer. Most lenders have customer service representatives who will gladly keep you updated on the status of your loan application. Remember to continue to pay on your existing loans while your application is being processed. You will be financially responsible for these loans until the new lender has paid off them in full.

Finally, keep in mind that interest rates on student loans are adjusted annually every July 1st. This year, rates will be increasing 2.1 percent. You can be assured of the lower rate if you submit a completed application early. If you have credit card debt you may be paying 20% plus interest. Interest rates are currently at their lowest for 40 years. Your new consolidated loan will have a low fixed rate of interest. Could there be a better time to consolidate your loans? Don't wait until the end of June to start the process.

While consolidating student loans can be a time consuming task, with a little advanced preparation and research you can complete your application with minimal effort. And, once your new loan is processed, you will most certainly be thrilled with your lower student loan repayment.

Small Business Entrepreneur

2010-03-20T09:31:00.001+05:30

Former Small-Business Owner in Congress to Back Health Care Bill - New York Times (blog)
Former Small-Business Owner in Congress to Back Health Care BillNew York Times (blog)That Ms. Markey, who ran two Small Businesses before being elected to Congress, would come around to the Democrats' top priority is not too much of a ...and more��

entrepreneur success stories

2010-03-19T09:37:00.000+05:30

This entrepreneur made the right choice - The Hindu
The HinduThis entrepreneur made the right choiceThe HinduSoon, he set up Sabari Musicals on a Rs.2-lakh loan and is today one of the success stories from the BYST. His clients include musical instrument shops in ...

Successful Entrepreneurship

2010-03-18T09:32:00.000+05:30

TiEcon 2010 Announces Keynote Speaker Dr. K. Anji Reddy, Founder-Chairman of ... - CNNMoney.com (press release)
TiEcon 2010 Announces Keynote Speaker Dr. K. Anji Reddy, Founder-Chairman of ...CNNMoney.com (press release)The theme of TiEcon 2010, "It's in your DNA," emphasizes the qualities inherent in all Successful entrepreneurs. "I am excited to be speaking at TiEcon 2010 ...and more��

successful online entrepreneurs

2010-03-17T09:32:00.000+05:30

Maverick Money Makers Is The New 'Make Money online; How To' Program Creating ... - Emailwire (press release) (blog)
Maverick Money Makers Is The New 'Make Money online; How To' Program Creating ...Emailwire (press release) (blog)This knowledge took other successful entrepreneurs years to gain," said online entrepreneur Dave Fider. This program exposes all secrets that long-time ...and more��

successful online entrepreneurs

2010-03-16T09:33:00.000+05:30

What's Left For Startups At SXSW? - ReadWriteWeb (blog)
Bloginity (blog)What's Left For Startups At SXSW?ReadWriteWeb (blog)This afternoon, a keynote interview with Twitter's Evan Williams will surely provide any striving entrepreneur with some intriguing insights into his ...South by Southwest home to 'nerd' networkingCNNall 236 news articles��

entrepreneurship development

2010-03-14T10:31:00.000+05:30

One-month development course kicks off - Times of India
One-month development course kicks offTimes of IndiaHe was speaking at the valedictory function of the one-month Technology-Based entrepreneurship development programme, organized at Manipal Institute of ...and more��

Successful Entrepreneur

2010-03-13T10:31:00.000+05:30

Always have a plan B and a plan C - Financial Times
Always have a plan B and a plan CFinancial TimesIt could be the motto of many Successful Entrepreneurs but it has a particular resonance for Dominic Lake. As a passionate car enthusiast, ...

entrepreneur success stories

2010-03-12T10:32:00.000+05:30

Dev Ittycheria Joins Bazaarvoice Board of Directors - MarketWatch (press release)
Dev Ittycheria Joins Bazaarvoice Board of DirectorsMarketWatch (press release)For more information and access to client success stories, visit www.bazaarvoice.com, read the blog at www.bazaarvoice.com/blog, and follow on Twitter at ...and more��

Successful Entrepreneurship

2010-03-11T10:31:00.000+05:30

New Grand Valley entrepreneurism center aims for 'cultural transformation' - MLive.com
MLive.comNew Grand Valley entrepreneurism center aims for 'cultural transformation'MLive.comWe have a long-standing history here of Successful entrepreneurs that have created wonderful businesses, so we want to make sure we sort of reinvigorate ...

Small Business Entrepreneur

2010-03-10T10:31:00.000+05:30

Office vacancies could be boon for new Business - Orlando Sentinel
Office vacancies could be boon for new BusinessOrlando Sentinel"The exposure we get to clients and people is amazing," said Dhanani, who works for the first Small Business to participate. "We're right in the mix. ...and more��

successful entrepreneurs in the world

2010-03-09T10:32:00.000+05:30

Communists are Back in Africa - Huffington Post (blog)
Communists are Back in AfricaHuffington Post (blog)According to a successful East African entrepreneur, Gates is "the elephant that tramples the grass." they invested so much money in coffee growing regions, ...and more��

Successful Entrepreneur

2010-03-08T10:31:00.000+05:30

Replicators, Innovators, and Bill Gates - Washington Post
Replicators, Innovators, and Bill GatesWashington PostYou can build a good lifestyle business that pays the bills, or that does good for the world, and be considered a Successful Entrepreneur. ...and more��

Successful Entrepreneurship

2010-03-07T10:31:00.000+05:30

successful entrepreneurs in the world

2010-03-06T10:31:00.000+05:30

UNDERGRADUATE Profiles - BusinessWeek
UNDERGRADUATE ProfilesBusinessWeek... on the real world and preparing its students well for what's to come beyond their education at Babson and creates successful entrepreneurs and employees ...UNDERGRADUATE ProfilesBusinessWeekUNDERGRADUATE ProfilesBusinessWeekUNDERGRADUATE ProfilesBusinessWeekall 105 news articles��

entrepreneurship development

2010-03-05T10:31:00.000+05:30

Businesses need to get smart about social media - The City Wire
Businesses need to get smart about social mediaThe City WireEditor's note: Michelle Stockman works with Little Rock-based Arkansas Capital Corp. to promote entrepreneurship development around the state. ...and more��

successful online entrepreneurs

2010-03-04T10:31:00.000+05:30

Couple Improves Relationship by Creating a successful Business - BigNews.biz (press release)
Couple Improves Relationship by Creating a successful BusinessBigNews.biz (press release)Kevin and Diane Handes are online entrepreneurs running a business out of Uralla, New South Wales. They are part of a growing network of entrepreneurs who ...and more��

Small Business Entrepreneur

2010-03-03T10:31:00.000+05:30

Charlotte Woman Entrepreneur Crowned Winner of the Make Mine a Million ... - MarketWatch (press release)
Charlotte Woman Entrepreneur Crowned Winner of the Make Mine a Million ...MarketWatch (press release)American Express OPEN is dedicated exclusively to the success of Small Business owners and their companies. OPEN supports Business owners with exceptional ...and more��

Small Business Start ups

2010-03-02T10:31:00.000+05:30

Loan tap tight for Small biz, especially Startups - New York Daily News
Loan tap tight for Small biz, especially Start upsNew York Daily NewsIn recent months, the loan tap has begun to open for government-backed Small Business loans. After falling off a cliff, the number of US Small Business ...and more��

entrepreneur success stories

2010-03-01T10:31:00.000+05:30

Six Saudis chosen for Obama's summit of entrepreneurs - Arab News
Six Saudis chosen for Obama's summit of entrepreneursArab NewsThe summit will cover topics such as entrepreneurial success stories, businesswomen, young entrepreneurs, the culture of entrepreneurship and the roles of ...

entrepreneurship development

2010-02-28T10:31:00.000+05:30

The Power of Indian country %26ndash; Today. Tomorrow. Together - Indian Country Today
The Power of Indian country %26ndash; Today. Tomorrow. TogetherIndian Country TodayHowever, recent research reveals that entrepreneurship development is beginning to play a significant role in promoting healthy tribal economies. ...and more��

Small Business Start ups

2010-02-27T10:31:00.000+05:30

Small Business Consultant Gives Advice on Business Start-ups - WHSV
Small Business Consultant Gives Advice on Business Start-upsWHSVBusiness consultant Lee Simon teaches free classes at the Small Business Development Center in Harrisonburg. He says the world of Start-up Business has ...SCORE: Where are the Free Grants for Small Businesses?Post-BulletinEvent to aid entrepreneursSierra Vista Heraldall 5 news articles��

Small Business Entrepreneur

2010-02-26T10:31:00.000+05:30

Small-Business Boss - Wall Street Journal
Small-Business BossWall Street JournalOther support groups Small Businesses can turn to for advice include Young Entrepreneur, Energizing Young Entrepreneurs and SCORE. ...and more��

Successful Entrepreneur

2010-02-25T10:31:00.000+05:30

Midlantic Business Alliance hosts event on how to be Successful Entrepreneurs ... - Delaware County Daily Times
Midlantic Business Alliance hosts event on how to be Successful Entrepreneurs ...Delaware County Daily TimesIn providing a community service, the Broomall-based regional business association presented speakers with theories on how to be Successful Entrepreneurs ...

Successful Entrepreneurship

2010-02-24T10:36:00.000+05:30

Speed, Playfulness, Key to Successful Web Apps - PC World
Speed, Playfulness, Key to Successful Web AppsPC WorldWilson, speaking at the Future of Web Apps conference in Miami Beach, also told the developers and entrepreneurs who filled the Colony Theater that ...and more��

successful online entrepreneurs

2010-02-23T22:36:00.000+05:30

How America can create jobs - MinnPost.com
How America can create jobsMinnPost.comsuccessful entrepreneurs exist everywhere from the mountains of Montana to the glass-and-steel canyons of Chicago. Today they are more globally connected ...and more��

successful entrepreneurs in the world

2010-02-23T10:36:00.000+05:30

Empowering Small Scale Businesses for Growth - THISDAY
Empowering Small Scale Businesses for GrowthTHISDAYin fact, it has given me the opportunity to know how to manage my business effectively and become a successful entrepreneur.%26rdquo; Udoinyong who was one of the ...and more��

entrepreneur success stories

2010-02-22T22:36:00.000+05:30

Craft Engaging Newsletter Content - entrepreneur
Craft Engaging Newsletter ContententrepreneurCustomer success stories and testimonials. Nothing says "Buy my products" or "Engage my services" like a ringing endorsement from a satisfied customer. ...

successful online entrepreneurs

2010-02-22T10:36:00.000+05:30

Groupon spawns rivals on social media bargain-hunting scene - Chicago Tribune
Groupon spawns rivals on social media bargain-hunting sceneChicago TribuneSome entrepreneurs are sidestepping a direct challenge to Groupon. New Yorkers Jim Moran and Vin Vacanti founded Yipit Perch, a service that aggregates ...and more��

Small Business Entrepreneur

2010-02-21T22:36:00.000+05:30

4 Lending Innovations That May Help Small Business - Entrepreneur (blog)
Entrepreneur (blog)4 Lending Innovations That May Help Small Business Entrepreneur (blog)Yesterday, I talked about federal second-round stimulus proposals, and whether they'll help unfreeze the lending markets for Small Business. ...and more��

successful entrepreneurs in the world

2010-02-21T10:36:00.000+05:30

How Small Business incubators are the Key to Creating Jobs and Opportunity in ... - Newswire (press release)
How Small Business incubators are the Key to Creating Jobs and Opportunity in ...Newswire (press release)He became a successful entrepreneur and hair salon tycoon. He used his wits and resources successfully. Let us not destroy the same dream he had, ...and more��

entrepreneur success stories

2010-02-20T22:36:00.000+05:30

entrepreneurship development

2010-02-20T10:36:00.000+05:30

Amadeus Consulting Nominated for 2010 Colorado Companies to Watch Award - Newswire Today (press release)
Amadeus Consulting Nominated for 2010 Colorado Companies to Watch AwardNewswire Today (press release)... said Penny Lewandowski, Director of entrepreneurship development for the Edward Lowe Foundation, who developed the Companies to Watch program. ...and more��

Successful Entrepreneurship

2010-02-19T22:36:00.000+05:30

Lawyers' Top Tips for Successful Entrepreneurs - BigNews.biz (press release)
BigNews.biz (press release)Lawyers' Top Tips for Successful EntrepreneursBigNews.biz (press release)Getting a good lawyer may not be at the top of your %26ldquo;to do%26rdquo; list when starting up your business %26ndash; certainly not ahead of keeping costs low, exploring new ...

Small Business Start ups

2010-02-19T10:36:00.000+05:30

Small Business Resources Through SCORE, an SBA Agency - IPWatchdog.com
Entrepreneur (blog)Small Business Resources Through SCORE, an SBA AgencyIPWatchdog.comSCORE also offers a Template Gallery for common Business tools such as Business Plans for both Start up and established Business, Balance Sheets, ...Small Business needs a boostDaily Record (subscription)SBA loan incentives to lapse againHeraldNet (blog)all 22 news articles��

Successful Entrepreneur

2010-02-18T22:36:00.000+05:30

The Aceman Cometh - Entrepreneur
The Aceman ComethEntrepreneurLike any Successful Entrepreneur, he's got a healthy contrarian streak, and the more widely accepted something is, the more likely he is to tear it down. ...

entrepreneurship development

2010-02-18T10:37:00.000+05:30

ISB to groom entrepreneurs from R - Business Standard
Business StandardISB to groom entrepreneurs from RBusiness StandardMeanwhile, ISB is working with financial institutions to set up an entrepreneurship development fund to provide seed money. %26ldquo;The need is for thousands of ...and more��

successful entrepreneurs in the world

2010-02-17T22:36:00.000+05:30

entrepreneurs Develop the Mindset through eLearning - PR Web (press release)
PR Web (press release)entrepreneurs Develop the Mindset through eLearningPR Web (press release)Mindset is a self-paced program that enables aspiring entrepreneurs to learn from the firsthand knowledge and experience of successful, real world ...

entrepreneur success stories

2010-02-17T10:36:00.000+05:30

Small Business Entrepreneur

2010-02-16T22:37:00.000+05:30

Making Small Business Tax Credits Work - Entrepreneur
Making Small Business Tax Credits WorkEntrepreneurLast Wednesday night when I was watching the State of the Union address with my daughter, I was gratified to hear President Obama trumpet Small Business and ...and more��

Small Business Start ups

2010-02-16T10:36:00.000+05:30

Entrepreneurs turn to 401(k)s to fund Start-up Businesses - USA Today
USA TodayEntrepreneurs turn to 401(k)s to fund Start-up BusinessesUSA TodayThis provides the entrepreneur's corporation with Start-up capital. Some experts believe that it is harder for a new Small Business to meet IRS guidelines ...and more��

successful online entrepreneurs

2010-02-15T22:36:00.000+05:30

Dynamic duo plans more startups yearly - Chicago Sun-Times
Dynamic duo plans more startups yearlyChicago Sun-TimesEric Lefkofsky and Brad Keywell, the most prolific and successful Chicago-based technology entrepreneurs over the last ...and more��

Successful Entrepreneur

2010-02-15T10:36:00.000+05:30

Successful Entrepreneurship

2010-02-14T22:36:00.000+05:30

Becoming a Successful eCommerce Entrepreneur: What NOT to Do! - Drop Ship (press release) (blog)
Becoming a Successful eCommerce Entrepreneur: What NOT to Do!Drop Ship (press release) (blog)There are thousands of Successful ecommerce entrepreneurs, and there are thousands more who hoped to hit the big time in ecommerce but fell flat on their ...and more��

Successful Entrepreneurship

2010-02-14T10:36:00.000+05:30

successful online entrepreneurs

2010-02-13T22:36:00.000+05:30

Wikipedia founder schools Tampa entrepreneurs on how to fail - Brandon News and Tribune
Wikipedia founder schools Tampa entrepreneurs on how to failBrandon News and TribuneThree times he failed to start successful enterprises, Wales himself confessed today in a presentation to the TEDx conference in Tampa Bay, a local offshoot ...and more��

Successful Entrepreneur

2010-02-13T10:36:00.000+05:30

entrepreneurship development

2010-02-12T22:37:00.000+05:30

Entrepreneur Among Fellowship Finalists - Marshall County Journal
Entrepreneur Among Fellowship FinalistsMarshall County Journal... Community Foundation, Home Federal Bank, First Interstate Bank, Dacotah Bank and individuals committed to entrepreneurship development in South Dakota. ...Fellowship FinalistsMarshall County Journalall 2 news articles��

Small Business Entrepreneur

2010-02-12T10:37:00.000+05:30

Small Business Start ups

2010-02-11T22:37:00.000+05:30

Entrepreneurs Weigh Credit-Card Options - Wall Street Journal
Entrepreneurs Weigh Credit-Card OptionsWall Street JournalMs. Detweiler has long recommended that Start-ups use Small-Business credit cards to separate Business and personal expenses for tax and credit-report ...and more��

successful entrepreneurs in the world

2010-02-11T10:36:00.000+05:30

Millionaire High School Dropouts - ABC News
ABC NewsMillionaire High School DropoutsABC NewsWhile the rest of us were negotiating curfews and cramming for the SATs, some of the world's most successful entrepreneurs ...and more��

entrepreneur success stories

2010-02-10T22:36:00.000+05:30

Small Business Entrepreneur

2010-02-10T10:36:00.000+05:30

Scott Shane: What Obama Should Do to Help Small Business - Entrepreneur
Scott Shane: What Obama Should Do to Help Small Business EntrepreneurIt's nice to see Obama spending some political capital on Small Business. On Saturday, the president used his weekly radio address to promote Small-Business ...

successful entrepreneurs in the world

2010-02-09T22:36:00.000+05:30

the Rise of the Author-preneur: Entrepreneur Press introduces a New ... - PR Newswire (press release)
the Rise of the Author-preneur: Entrepreneur Press introduces a New ...PR Newswire (press release)9 /PRNewswire/ -- A positioning strategy behind the world's most successful entrepreneurs, including Donald Trump, Robert Kiyosaki and Suze Orman, ...and more��

Successful Entrepreneurship

2010-02-09T10:37:00.000+05:30

What Successful entrepreneurs share is a ruthless approach to derisking - Financial Times
What Successful entrepreneurs share is a ruthless approach to deriskingFinancial TimesSuccessful entrepreneurs such as Steve Jobs have a solid sales pipeline in place long before launch. Yes, they take risks, but only at the early stages of ...

Small Business Start ups

2010-02-08T22:37:00.000+05:30

Marketing Firm in Virginia Serves Startups and Small Businesses - PR Web (press release)
Marketing Firm in Virginia Serves Start ups and Small BusinessesPR Web (press release)%26ldquo;Start ups and Small Businesses need marketing guidance, but traditional marketing firms are too expensive,%26rdquo; the managing partner of The Stiletto Group, ...and more��

entrepreneur success stories

2010-02-08T10:36:00.000+05:30

Soup Up Your Social Sales Channels - entrepreneur
Soup Up Your Social Sales ChannelsentrepreneurFact one: There are fabulous success stories of intrepid entrepreneurs who have immersed themselves in one or more of these venues. ...and more��

Successful Entrepreneur

2010-02-07T22:36:00.000+05:30

The Spin Master - Entrepreneur
The Spin MasterEntrepreneurBack in 2004, Thomson was a Successful bond trader in Los Angeles when he built a lavish combination garage, guest house, wine cellar and media room. ...

entrepreneurship development

2010-02-07T10:36:00.000+05:30

Small and medium enterprises get STRIDE! - The Star Online
Small and medium enterprises get STRIDE!The Star OnlineSTRIDE is the acronym for Strengthening Trade through Rural Investments and development of entrepreneurship. With a concentration on small and medium ...

successful online entrepreneurs

2010-02-06T22:36:00.000+05:30

From Bungees to Boardrooms %26ndash; Reinventing How Business is Played with Maverick ... - PR.com (press release)
From Bungees to Boardrooms %26ndash; Reinventing How Business is Played with Maverick ...PR.com (press release)%26ldquo;These are all escapes from the same-old, same-old that can dull that original cutting edge of successful entrepreneurs and CEOs,%26rdquo; said Yanik Silver, ...

entrepreneur success stories

2010-02-06T10:36:00.000+05:30

Small Business Start ups

2010-02-05T22:36:00.000+05:30

Wells Fargo Small Business Administration Loans%26mdash;Money For Start-ups Or ... - Red, White, and Blue Press (blog)
Globe and MailWells Fargo Small Business Administration Loans%26mdash;Money For Start-ups Or ...Red, White, and Blue Press (blog)Wells Fargo is one of many lenders who work with the Small Business Administration to lend money to existing or potential Small Businesses ...Personal Loans for Small BusinessesCredit Loan (blog)Community banks grab opportunityNashua Telegraphall 414 news articles��

Successful Entrepreneur

2010-02-05T10:36:00.000+05:30

The Alternative Board� - Entrepreneur
The Alternative Board�Entrepreneur... to kickoff your business and will support you by providing an in-depth training session where you acquire the necessary tools to help you be Successful. ...

entrepreneurship development

2010-02-04T22:36:00.000+05:30

Highlands and Islands Businesses Top of the Class at MIT - Allmediascotland
Highlands and Islands Businesses Top of the Class at MITAllmediascotlandHe commented: "I was very impressed by the whole Scottish group that came to the entrepreneurship development Programme this year. ...and more��

successful entrepreneurs in the world

2010-02-04T10:36:00.000+05:30

Free-market economy path to greener world, Kennedy says at Bucknell Forum - Bucknell University
Bucknell UniversityFree-market economy path to greener world, Kennedy says at Bucknell ForumBucknell UniversityElectric companies, Kennedy argued, should make homeowners "energy entrepreneurs" and pay them for all of the solar-powered electricity they produce, ...and more��

Successful Entrepreneurship

2010-02-03T22:37:00.000+05:30

Attending trade shows critical to software developer's success - Vancouver Sun
Attending trade shows critical to software developer's successVancouver SunPerseverance is also crucial for Successful entrepreneurs, he added, saying that the economic meltdown in the US hurt his business last year, although he is ...and more��

Small Business Entrepreneur

2010-02-03T10:36:00.000+05:30

successful online entrepreneurs

2010-02-02T22:36:00.000+05:30

eHealth Announces Partnership With LegalZoom.com to Provide Access to ... - CNNMoney.com (press release)
eHealth Announces Partnership With LegalZoom.com to Provide Access to ...CNNMoney.com (press release)eHealthInsurance is licensed to sell health insurance in all 50 states and the District of Columbia, making it the ideal model of a successful, ...and more��

entrepreneurship development

2010-02-02T10:36:00.000+05:30

Internship Program to Foster Young Entrepreneurs - 동아일보
Internship Program to Foster Young Entrepreneurs동아일보... companies under the supervision of the Institute of Korea entrepreneurship development among business entities at college business incubation centers; ...

Successful Entrepreneur

2010-02-01T22:37:00.000+05:30

Vanessa's 2009 Business Success Take-Away Tips - Entrepreneur
Vanessa's 2009 Business Success Take-Away TipsEntrepreneurAlthough modeling after other Successful business owners in your industry is valuable, in this market cycle with the new economy and the market shifting of ...

successful online entrepreneurs

2010-02-01T10:36:00.000+05:30

Kauffman Foundation offers online entrepreneur education program - Kansas City Business Journal
Kauffman Foundation offers online entrepreneur education programKansas City Business JournalThe program is based on more than 200 hours of interviews with successful entrepreneurs, including Craigslist founder Craig Newmark. The two-hour, 38-minute ...and more��

successful entrepreneurs in the world

2010-01-31T22:36:00.000+05:30

Big dreams small business: Even in recession, entrepreneurs taking the leap ... - Nevada Appeal
Big dreams small business: Even in recession, entrepreneurs taking the leap ...Nevada AppealChristy Virden, the president and CEO of the Carson City-based Women entrepreneurs of the world, said more and more entrepreneurs are finding new ways to ...and more��

Small Business Start ups

2010-01-31T10:36:00.000+05:30

NEW HIRES COULD BRING UP TO $5000 IN TAX CREDITS - NorthJersey.com
Globe and MailNEW HIRES COULD BRING UP TO $5000 IN TAX CREDITSNorthJersey.comSmall-Business owners stand to be rewarded with a tax credit of up to $5000 per person if they hire new employees this year under ...Obama Details Jobs-Focused Tax CreditWall Street JournalObama's jobs proposal won't deliver, region's skeptics sayPittsburgh Tribune-ReviewObama outlines plan to boost Small Business hiringMiamiHerald.comOpEdNews�-ABC News (blog)�-Market News Internationalall 841 news articles��

Successful Entrepreneurship

2010-01-30T22:36:00.000+05:30

Are Entrepreneurs Born or Bred? - YourStory (blog)
Are Entrepreneurs Born or Bred?YourStory (blog)The age-old debate between nature versus nurture also applies to entrepreneurs: are Successful entrepreneurs internally wired to own businesses or did they ...

Small Business Entrepreneur

2010-01-30T10:36:00.000+05:30

Small-Business Reaction to Union Address: - Entrepreneur (blog)
Entrepreneur (blog)Small-Business Reaction to Union Address:Entrepreneur (blog)Small-Business owners had to be happy to see President Barack Obama devote much of the front half of his State of the Union Address last night to jobs and ...and more��

entrepreneur success stories

2010-01-29T22:36:00.000+05:30

Successful Entrepreneur

2010-01-29T10:36:00.000+05:30

entrepreneur success stories

2010-01-28T22:36:00.000+05:30

Network Like a Pro - entrepreneur (blog)

successful online entrepreneurs

2010-01-28T10:37:00.000+05:30

successful entrepreneurs in the world

2010-01-27T22:36:00.000+05:30

Kauffman Foundation Partners With Entrepreneurial Learning initiative to Offer ... - Earthtimes (press release)
Kauffman Foundation Partners With Entrepreneurial Learning initiative to Offer ...Earthtimes (press release)Based on more than 200 hours of on-camera interviews with a variety of successful entrepreneurs, including Craigslist founder Craig Newmark, E-Myth author ...and more��

Successful Entrepreneurship

2010-01-27T10:36:00.000+05:30

Centrism Died in Massachusetts - Wall Street Journal
Centrism Died in MassachusettsWall Street JournalThomas Friedman, a man as consistent as he is banal, opines that the way to turn things around is by . . . embracing Entrepreneurship. The awkward thing is, ...and more��

entrepreneurship development

2010-01-26T22:36:00.000+05:30

Aggressive entrepreneurs can make fatal mistakes - The City Wire
Aggressive entrepreneurs can make fatal mistakesThe City WireEditor's note: Michelle Stockman works with Little Rock-based Arkansas Capital Corp. to promote entrepreneurship development around the state. ...

Small Business Entrepreneur

2010-01-26T10:36:00.000+05:30

States Step up with Small-Business Assistance - Entrepreneur (blog)
Entrepreneur (blog)States Step up with Small-Business AssistanceEntrepreneur (blog)While some Small-Business owners continue to groan over the slowness of federal movement to aid them, many states are stepping up with their own assistance ...

Small Business Start ups

2010-01-25T22:36:00.000+05:30

Local Startups on funding tear - Bizjournals.com (blog)
Local Start ups on funding tearBizjournals.com (blog)Massachusetts Start ups pulled in more than $87 million in equity and debt financing last week, according to regulatory filings and company announcements ...and more��

Small Business Entrepreneur

2010-01-25T10:36:00.000+05:30

successful online entrepreneurs

2010-01-24T22:36:00.000+05:30

Jerry Pelletier Joins a Community of successful Internet entrepreneurs - PR Newswire (press release)
Jerry Pelletier Joins a Community of successful Internet entrepreneursPR Newswire (press release)Knowing there will be some challenges ahead, Jerry is constantly educating himself with the latest breakthroughs and concepts in the online industry. ...and more��

entrepreneurship development

2010-01-24T10:36:00.000+05:30

IED centre opened - Express Buzz
IED centre openedExpress BuzzKANJIRAPALLY: An Innovation and entrepreneurship development Centre (IEDC) was established at the Amal Jyothi College of Engineering here. ...

Successful Entrepreneurship

2010-01-23T22:36:00.000+05:30

Jerry Pelletier Joins a Community of Successful Internet Entrepreneurs - PR Newswire (press release)
Jerry Pelletier Joins a Community of Successful Internet EntrepreneursPR Newswire (press release)... news that Jerry Pelletier had become a new business marketing coach for a growing and super Successful internet marketing community of entrepreneurs. ...and more��

Small Business Start ups

2010-01-23T10:36:00.000+05:30

Nelson: $325000 in stimulus for rural Start-ups and Business expansion - McCook Daily Gazette
Nelson: $325000 in stimulus for rural Start-ups and Business expansionMcCook Daily Gazette"This infusion of capital from the stimulus will help create locally controlled funding for Start-up and expanding Businesses in the rural areas of our ...and more��

successful entrepreneurs in the world

2010-01-22T22:36:00.000+05:30

Jerry Pelletier Joins a Community of successful internet entrepreneurs - PR Newswire (press release)
Jerry Pelletier Joins a Community of successful internet entrepreneursPR Newswire (press release)Jerry, already a business owner for 27 years in the housing industry, is willing to take on the new challenges ahead of him on the world wide web with ...and more��

Successful Entrepreneur

2010-01-21T22:36:00.000+05:30

6 Mobile Musts for Your Online Business - Entrepreneur
6 Mobile Musts for Your Online BusinessEntrepreneurThe mobile revolution is happening right now, and if online marketing has taught us anything, it's that the way to be Successful is to put your business ...