How Business Credit Reporting Works

A business credit report shows information about a business, its operations and financials. This is a guide to how business credit reporting agencies work.

Lending money to businesses is risky for banks, suppliers, and other creditors. For any lender, it’s all about discovering how to extend credit or a loan profitably while being able to distinguish the good credit risks from those who are unlikely to repay. Large lending institutions like banks, creditors and small businesses all have the same risks when they extend credit/loans to businesses.

Lenders work to minimize the risk of these loans or lines of credit by evaluating the credit history of the business via a business credit report. A business credit report can reveal a great deal of information about a business, its operations, financials, and many aspects of its borrowing activities. All of this information can play an integral role in a company’s ability to acquire financing. If a company has poor payment history, then the lender may deny the business a loan or may charge the company a higher interest rate.

A company’s credit history is compiled and maintained by companies called business credit reporting agencies. You may be familiar with consumer credit reporting agencies that collect credit history on individual consumers. However, business credit reporting agencies collect credit history on businesses from credit card companies, suppliers, banks, and other creditors to create in-depth business credit reports. The information in those reports is also used to calculate a company’s business credit rating.

A business credit report lists what types of credit a company uses, the length of time the accounts have been open, and whether the company has paid its bills on time. It tells lenders how much credit a company used and whether it is seeking new sources of credit. It gives lenders a broader view of a company’s credit history versus other data sources; such as a bank’s own customer data.

Business credit reporting agencies such as Dun & Bradstreet®, Paynet®, Experian® Business and Equifax® Small Business are powerful companies. One negative mark on a company’s report can cripple its borrowing power for years and may cause the business to receive less than favorable credit terms and interest rates. What’s also important to note is business credit reports are regularly requested by investors, insurance companies, and potential business partners. So it is essential for a business owner to understand how business credit reporting agencies work and to monitor their company reports regularly.

Every time a company applies for credit, the bank, credit card issuer, supplier or creditor initiates a credit inquiry to one or more business credit reporting agencies to review a company’s credit report and rating. They will decide whether or not to extend credit or a loan – and at what interest rate – mainly based on the credit history reported by those agencies.

Here are 12 ways a business credit reporting agency collects its information:

  1. Payment and banking data from suppliers and creditors
  2. Suits, liens, and judgments
  3. Uniform Commercial Codes (UCC Filings)
  4. Business registrations (state, city, county courts)
  5. Incorporation and bankruptcy filings from state and country courts
  6. Corporate financial reports
  7. Contracts, grants, loans, and debarments from the Federal government
  8. Internet web mining
  9. News and media stories and company press releases
  10. Yellow pages and other print directories
  11. Direct investigations and interviews with company principals (self-reported data)
  12. Other companies that have granted a company credit

Remember, business credit reporting agencies are storehouses of collected credit information on millions of businesses throughout the country and the world. It’s vital for business owners to review and ensure the information being reported about their businesses is accurate and up to date. Since business credit reports and ratings are constantly changing based on a variety of criteria, consider using a business credit monitoring service so you can keep a close eye on changes to your report. Doing so will enable you to be prepared by knowing what suppliers and creditors will see when they review your business credit report.

 

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5 Reasons to Start a Home-Based Internet Business

According to Forbes, more than 52% of all the small-businesses in the U.S. are home based businesses. Most people dream about starting their own business, now may be the best time to take action.

This article first appeared in Marketing Pundits.

Starting an internet business has never been easier. The opportunities for profit have never been greater.  Kevin Systrom, co-founder of Instagram, says, “If you’ve got an idea, start today. There’s no better time than now to get going.” The internet is a global store that never closes. It operates 24 hours a day, seven days a week and gives a business with an online presence a global audience.

The internet has leveled the playing field in the world of business; now an internet business has access to the same types of tools used by large corporations. Nowadays, you don’t have to have a traditional brick and mortar business to have a profitable business- in fact some of the biggest businesses like Amazon are exclusively only internet business.

Jeff Bezos founded Amazon.com in 1994 as an online bookstore and it was completely run out of his garage. Today it’s the world’s largest online retailer. The point is that everything starts as an idea. Every business has humble beginnings. So don’t think about where you start your business; it’s where you end up that matters.

Here are five reasons to start an internet business.

1) Low risk – Starting an internet business doesn’t require the high costs of a traditional business. You don’t have to dive into your savings. Get Business Lines Of Credit or borrow from friends and family. You can get started right away without breaking the bank. Whether you decide to operate from a spare bedroom or a garage, your new business can be up and running quickly and with very little risk. According to FranchiseHelp.com, 70% of home-based businesses survive at least three years, compared to just 29% of non-home based ventures.

2) Flexibility – Working out of your home provides much greater flexibility and control than starting a conventional business. With an internet business, you can choose when you want to work and where you want to work. You’re not confined to a single location; you can be on beach or in a plane and still be able to work. “In a way, the Web is like your Hollywood agent: It speaks for you whenever you’re not around to comment,” says Chris Brogan, CEO of Owner Media Group, Inc.

3) Earnings potential – With an internet business, your income potential is unlimited. You can reach a very large market, directly, quickly and affordably, no matter the size or location of your business. For example, Kelly Lester, a stay-at-home mom, built a very successful million dollar online business that came straight from her kitchen table. She’s built her brand by working closely with bento bloggers and other diehard fans of her product, EasyLunchboxes.

4) Financial Freedom – When you learn how to generate profits online, you’re teaching yourself how to become financially independent.  Generating profits is a learned skill, once you learn how you just have to rinse and repeat to generate more profits.  As you start selling products online successfully you can scale up your business. By repeating this process, you have the potential to create multiple streams of income. With an internet business, your income isn’t dependent on the number of hours you work. “To be successful online, you have to be nimble and evolve where the opportunities are. You have to layer revenue streams,” says Angelo Sotiro, CEO and founder of DeviantART.

5) Personally Rewarding – Running your own online business can be a very rewarding and gratifying experience. No matter how big or how small your idea is, by doing something you’re passionate about, your journey to success can be much easier and fulfilling. Ben Silbermann, co-founder and CEO of Pinterest says, “If Google teaches you anything, it’s that small ideas can be big.”

To improve your chances of success in business, it’s essential that you do your homework and research your business idea. Identify your target market and analyze the competition. To find a profitable niche for your home-based internet business, you have to find the crossroads between what people want and what you’re passionate about. John Jantsch, author of Duct Tape Marketing said it best: “Bring the best of your authentic self to every opportunity.”

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Is Online Personal Training Right For You?

In the last few years online personal training has been a growing trend. Now is the time to see if online personal training is right for you.  Now with fitness apps, and cheap fitness trackers like fitbit – your online personal training experience can be truly flexible and unique to your individual needs and schedule.  It’s cheap – but do the pros outweigh the cons?

The popularity of online personal training is rising quickly.  In many important ways, it’s exactly like being trained by an expert in a gym: you’re given a tailored exercise and diet program that you have to fulfill in order to attain your goals. The big difference is that the trainer isn’t physically next to you when exercise.

Online persona training – fitbit and other fitness trackers

 

I’m often asked about the effectiveness of online person training – and my answer is invariably that it really depends on the person. Busy people will find it an effective and time-efficient way to work out, other people need the motivation of face-to-face sessions.  That being said, there are definitely some concrete pros and cons to using an online person trainer. I’ll take you through them and leave it up to you to make your own mind up.

The Positives of Online Personal Training

1. Access to a non-local expert. Many sought after and noted fitness professionals (who may not be local to you) are already offering online versions of their training services. This is great for the consumer, because it provides instant access to the most highly skilled coaches from all over the world.

A good reputation can travel a long way in the fitness community, so online training allows anyone to work under big name trainers. I know of one trainer who works from his home in England, with the majority of his online clients in South America.

And it’s not just the big names you can seek out: online personal training also gives you access to specialists in specific areas. Rather than be limited to the knowledge base of the trainers at your local gym, you can call upon the advanced understanding of people from all over the world.

2. Easy to ascertain a trainer’s skill. With our world being as socially connected as it is, you can learn a lot about a potential online trainer long before you make first contact. Start by reading their client reviews, look at their mentions in the media and have a browse of their social media activity and article writing. You will soon get a feel for whether they are the type of individual you would be comfortable working with and if they are keeping up to date with the industry in general.

3. Cost. When a standout personal trainer begins to develop a reputation for delivering results, they tend to get busy very fast. The result of this is that they get booked up pretty soon and new clients find it very difficult to get sessions. Such demand inevitable leads to a rise in session prices, making the more sought after trainers too expense for most to work with. Many of these same trainers will be able to provide a month-long training plan for the same cost as an hour training with them.

4. Freedom of location and time. Having an online personal training service to deliver a workout program to you electronically means that you can access your workout on your mobile devices at any time and in any location, which is great for those that travel frequently or do not want to be restricted by gym opening times.

5. On-going support. Many online trainers provide comprehensive online support in the form of answers to emails, dietary guidelines and the ability to have your weekly food journal assessed. With these perks built into the initial upfront costs you are guaranteed personal attention throughout your customer experience. Unfortunately, many trainers are reluctant to have much contact outside of one-to-one sessions, which unfortunately you won’t find out until you’ve invested a lot of your time and money.

The Negatives of online personal training

Nobody spotting for correct technique. So it is not ideal for beginners.  Due to the remote nature of online training, by definition there is no live trainer spotting for correct technique. This could drastically reduce the efficiency of the workout, and even make it dangerous. The drawback can be mediated by enlisting the help of a live trainer to demonstrate proper technique of the prescribed exercises, or by introducing video workouts.

Motivation. While a high quality program can be delivered with ease over the phone or email, there’s zero guarantee that it will be successfully completed. One of the main benefits of working with a personal trainer is that they get you through your workouts even when you don’t want to be there. That extra motivation – to actually turn up at the gym, and to push through tough workouts – just isn’t available through an online program.

Online trainers struggle to judge progress accurately. An online personal training service cannot actually watch you perform your exercises, so much of the success of the collaboration depends on a) how well workouts are tracked by the client, and b) how honest the client is about his exertion and results. It’s easy to fudge numbers over email, whereas in person it’s pretty much impossible. Now with fitbits, and other fitness trackers, this is becoming less and less of on issue.

The conclusion

Online personal training does work (I’ve seen the results), but not for everyone. Normally, I recommend it to seasoned exercisers who don’t need instruction in the gym and who won’t lose motivation without the direct accountability of someone hovering over them.  I recommend that newbies and people just starting out start out in the gym with a professional to guide them through the basics.

 

 

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Top 5 Tips For Marketing Automation

Most businesses need more clients, but have no clue how to elevate their marketing efforts and capture more leads and business. In the last few years, many companies have started using marketing automation software, which systematizes and streamlines the marketing process. Marketing automation systems are designed to empower marketers to create engaging campaigns that naturally respond to customer behavior.

Marketing automation aids marketers in performing complex and time consuming tasks like lead nurturing, lead scoring, lead management and CRM lead lifecycle management. There are many efficiencies both in time and cost in using marketing automation. However, there are some things you should consider before diving into marketing automation.

Do the Homework:

Marketing Automation can meet a lot of your needs, but it will not do 100% of the work for you. It is a tool, not a robot butler. Despite the name marketing automation, you still need to work at this to make it effective. That involves writing good content, building and testing campaigns, evaluating your results, and planning points of contact. Effective marketing demands creativity and plenty of time. Marketing automation may cut back on the long hours; however, if you don’t work at it, you’ll never see the ROI you’re looking for.

Have Clear Goal

Have a clear goal about where your business is going that your entire team can buy into. Do this as a collaborative process with your team; it will help you when you hit the unavoidable difficulties ahead.

Do Focus on The Right Target:

Marketing automation does not naturally identify your ideal target audiences. Therefore, it is important that you are an expert regarding your ideal client. If you are not 100 percent sure who you are targeting, there is a risk that your efforts won’t hit home with anyone. Getting well defined client personas gives you the opportunity to make more focused campaigns through careful segmentation and targeting. If the segmentation and targeting are done accurately, it will cause increased client engagement and also more profitable changes over the long run.

Get Some Professional Help:

It is rarely possible to do the work alone, so create a solid team to complement the abilities you have. Choose from within your team, from your offices, from experts with verifiable experience. There’s also a great deal of help available online from the marketing automation vendors’ materials, from white papers to case studies.

Work With Your Sales Team:

The name marketing automation doesn’t mean that you need to use it solely. Sales specialists can take over lead management once they achieve a point in the funnel that doesn’t reflect marketing skill. This normally comes at the point when leads create an inbound contact — call or email your business. Some automation software offers a sales counterpart which brings the greater part of the data into a single hub. By doing this, the system can help you discover sales from the time you upgrade your site to the time customers sign an agreement.

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The Republican plan to destroy Donald Trump

The Republican plan to destroy Donald Trump.  We have seen a series of new attack ads from “establishment Republicans” (read: losers) attacking Mr. Trump.  From Bush#3 to Karl Rove to Kaisch – who I had to google he was so unknown.  Those attack ads are part of a large plan by bought-and-paid for politicians to keep the status quo.
The Republican plan to destroy Donald Trump

The Republican plan to destroy Donald Trump

AP Photo/LM Otero

Real-estate mogul Donald Trump’s Republican rivals aren’t quite sure what they should do to defeat him.The reality-television star has defied all of the conventional rules of political discourse.

Gaffes, all-out assaults on his opponents and the media, and supposedly offensive statements have done little to slow him down. Poll after poll has shown him leading the GOP primary by wide margins.

According to a Tuesday report by Bloomberg Politics’ Mark Halperin, Republican strategists have settled on “four distinct but overlapping” ways of reframing Trump’s candidacy to finally make him unpalatable to the party’s voters.

The 4 parts of The Republican plan to destroy Donald Trump

1. “Trump can’t be trusted because he is an egomaniac with a bad character.”

According to Halperin, this line of attack includes a wide range of hits against Trump, including his two divorces, blotches in his business record, his casual statements about his own faith, and even “his compulsion to name things after himself.”

Trump has aggressively responded to some of these criticisms in the past, including going nuclear on retired neurosurgeon Ben Carson, who ranks second behind Trump in Republican primary polls, after Carson took at slight jab at Trump’s religiosity relative to his own.

Trump has also insisted that his business record has few, if any, stumbles and said his businesses’ bankruptcies were just taking advantage of US bankruptcy laws.

2. “Trump is a liberal and unprincipled.”

Trump, a former Democrat, has given plenty of money to his former party over the years. He has also changed his position on abortion and backed more liberal-oriented policies in the past.

Republican rivals like former Gov. Jeb Bush of Florida and Sen. Rand Paul of Kentucky have already sought to hit Trump with this line of attack.

Trump has responded by saying he gave money to Democrats to buy their support for his business ventures, by pointing to former President Ronald Reagan’s own Democratic past, and by saying it’s reasonable for people to change their opinions on some issues over years or even decades.

The Republican plan to destroy Donald Trump

The Republican plan to destroy Donald Trump

Trump after speaking at a campaign event in Dallas on Monday.

AP

3. “Trump is not close to being fit to be a serious president or commander-in-chief.”

Halperin wrote that this anti-Trump framing could bash the Republican front-runner for his vague policy statements and the recent foreign-policy interview in which he said it was not yet important for him to know the leaders of major terrorist organizations or the difference between the groups Hezbollah and Hamas.

Trump called those “gotcha” questions.

4. “Trump is a politician, not a businessman/outsider.”

This line of attack would ding Trump for working within the political system for years, such as dealing with lobbyists and giving generously to various politicians. Trump, however, embraces this aspect of his past and frequently brags at campaign rallies that he used to buy and sell politicians to boost his business empire.

The second major prime-time Republican debate is Wednesday night. At least one of the 10 other candidates on stage will probably seek to take Trump down a notch by using one or more of these strategies.

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Video of Russian Air Force Bombing ISIS Oil Trucks

Finally, somebody doing something right- a Video of Russian Air Force Bombing ISIS Oil Trucks

Earlier today we revisited Islamic State’s most important revenue stream: crude oil.

When US attack planes destroyed 116 ISIS oil trucks on November 16 (allegedly after dropping leaflets warning “innocent” drivers to scatter), it purportedly marked a shift in strategy. “Somehow”, the Obama administration had grossly underestimated the proceeds ISIS derives from the illicit oil trade while overestimating the damage US warplanes had inflicted on the group’s oil infrastructure.

Additionally, Bloomberg suggests the Pentagon routinely declined to take out tanker trucks for fear of collateral damage. “None of these guys are ISIS. We don’t feel right vaporizing them, so we have been watching ISIS oil flowing around for a year,” Michael Knights, an Iraq expert at the Washington Institute for Near East Policy told Bloomberg.

There are a couple of things that should jump out at you there. First, it’s not exactly clear why it matters that the administration “underestimated” the amount of revenue ISIS derives from oil. That is, the difference between $100 million and $400 million per year would be quite meaningful if you were talking about a corporation here, but this is a terrorist group. Sure, it matters that they’re making four times more than you thought when it comes to assessing their operational capabilities (the more money you have, the more you can do), but it shouldn’t matter when it comes to formulating a strategy to cripple their ability to produce oil. It’s not like you can say “oh, well they’re only making $100 million per year, so that’s fine.. now if it’s $400 million, that’s where we’ll have to draw the line.”

Second, since when is the US worried about collateral damage when it comes to taking out “terrorists?” As The Intercept laid bare in a series of recent investigative reports, 90% of those killed in drone strikes aren’t the target. It’s not as if the CIA isn’t aware of that statistic each and every time they pull the trigger on an MQ9 Reaper.

So sure, perhaps the US overestimated the effect its airstrikes were having on Islamic State’s oil production capabilities and perhaps The Pentagon was concerned with killing innocent truck drivers, but it could also be that, as Sergei Lavrov suggested earlier this week, the US has until now intentionally avoided hitting ISIS where it hurts in order to keep them in the game and ensure they can still be effective at destabilizing Assad. If you cut off the oil trade, they lose the ability to battle the regime.

In any event, there are other pressing questions about ISIS and oil and we encourage you to read more in The Most Important Question About ISIS That Nobody Is Asking,” but for now, we turn to Russia and The Kremlin’s efforts to dent Bakr al-Baghdadi’s wallet.

According to Russian General Staff spokesman Colonel General Andrey Kartapolov, “around 500 fuel tanker vehicles transporting illegal oil from Syria to Iraq for processing have been destroyed by Russia’s Air Forces.”

“In recent years, Islamic State (IS, formerly ISIS/ISIL) and other extremist groups have organized the operations of the so-called ‘pipeline on wheels’ on the territories they control,” Kartapolov continued, adding that “in just the first few days, [Russian] aviation has destroyed 500 fuel tanker trucks, which greatly reduced illegal oil export capabilities of the militants and, accordingly, their income from oil smuggling.”

the video Video of Russian Air Force Bombing ISIS Oil Trucks from the Russian Defense Ministry.

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5 Reasons to Start a Home-Based Internet Business

According to Forbes, more than 52% of all the small-businesses in the U.S. are home based businesses. Most people dream about starting their own business, now may be the best time to take action.

Starting an internet business has never been easier. The opportunities for profit have never been greater.  Kevin Systrom, co-founder of Instagram, says, “If you’ve got an idea, start today. There’s no better time than now to get going.” The internet is a global store that never closes. It operates 24 hours a day, seven days a week and gives a business with an online presence a global audience.

The internet has leveled the playing field in the world of business; now an internet business has access to the same types of tools used by large corporations. Nowadays, you don’t have to have a traditional brick and mortar business to have a profitable business- in fact some of the biggest businesses like Amazon are exclusively only internet business.

Jeff Bezos founded Amazon.com in 1994 as an online bookstore and it was completely run out of his garage. Today it’s the world’s largest online retailer. The point is that everything starts as an idea. Every business has humble beginnings. So don’t think about where you start your business; it’s where you end up that matters.

Here are five reasons to start an internet business.

1) Low risk – Starting an internet business doesn’t require the high costs of a traditional business. You don’t have to dive into your savings. Get Business Lines Of Credit or borrow from friends and family. You can get started right away without breaking the bank. Whether you decide to operate from a spare bedroom or a garage, your new business can be up and running quickly and with very little risk. According to FranchiseHelp.com, 70% of home-based businesses survive at least three years, compared to just 29% of non-home based ventures.

2) Flexibility – Working out of your home provides much greater flexibility and control than starting a conventional business. With an internet business, you can choose when you want to work and where you want to work. You’re not confined to a single location; you can be on beach or in a plane and still be able to work. “In a way, the Web is like your Hollywood agent: It speaks for you whenever you’re not around to comment,” says Chris Brogan, CEO of Owner Media Group, Inc.

3) Earnings potential – With an internet business, your income potential is unlimited. You can reach a very large market, directly, quickly and affordably, no matter the size or location of your business. For example, Kelly Lester, a stay-at-home mom, built a very successful million dollar online business that came straight from her kitchen table. She’s built her brand by working closely with bento bloggers and other diehard fans of her product, EasyLunchboxes.

4) Financial Freedom – When you learn how to generate profits online, you’re teaching yourself how to become financially independent.  Generating profits is a learned skill, once you learn how you just have to rinse and repeat to generate more profits.  As you start selling products online successfully you can scale up your business. By repeating this process, you have the potential to create multiple streams of income. With an internet business, your income isn’t dependent on the number of hours you work. “To be successful online, you have to be nimble and evolve where the opportunities are. You have to layer revenue streams,” says Angelo Sotiro, CEO and founder of DeviantART.

5) Personally Rewarding – Running your own online business can be a very rewarding and gratifying experience. No matter how big or how small your idea is, by doing something you’re passionate about, your journey to success can be much easier and fulfilling. Ben Silbermann, co-founder and CEO of Pinterest says, “If Google teaches you anything, it’s that small ideas can be big.”

To improve your chances of success in business, it’s essential that you do your homework and research your business idea. Identify your target market and analyze the competition. To find a profitable niche for your home-based internet business, you have to find the crossroads between what people want and what you’re passionate about. John Jantsch, author of Duct Tape Marketing said it best: “Bring the best of your authentic self to every opportunity.”

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Buy Stocks Like Donald Trump

Donald Trump’s Personal Stock Picks revealed. The profit from Donald Trump’s Personal Stock Picks was a whopping $27 Million – find what happens when you buy stocks like Donald Trump.  Original article how to buy stocks like Donald Trump from TrumpNews.

While Donald Trump is a Real Estate magnate who rarely delves into the stock market, Mr. Trump saw an opportunity to buy stocks in 2011 when the market had just crashed.  Mr. Trump’s personal stock picks are illuminating – while not 100% were winners, the profit from these trades show a man with the midas touch.

Here are the stock sales Trump made in January 2014, according to a press release regarding his personal financial disclosure:

3,800 shares Amazon for gain of $518,583

230,000 shares Alcoa for gain of $621,900

12,800 shares Apple Inc. for gain of $1,105,859

710,000 shares Bank of America for gain of $6,741,024

65,000 shares Boeing Co. for gain of $3,964,948

17,000 shares ConocoPhillips for gain of $133,005

66,000 shares Carnival Corp for gain of $652,252

23,200 shares Caterpillar Inc. for gain of $20,741

48,000 shares Cisco for gain of $73,210

23,000 shares Coca Cola for loss of $71,351

16,600 shares Colgate Palmolive for gain of $58,669

26,400 shares Cummins for gain of $385,884

38,000 shares D R Horton Inc for loss of $204,577

12,800 shares Deere & Co. for gain of $104,084.48

40,300 shares E I Du Pont for gain of $440,184

8,300 shares EOG Res Inc for gain of $385,401

19,000 shares EBAY for gain of $38,492

14,000 shares Exxon Mobil for gain of $348,442

21,000 shares Enbridge Inc for loss of $82,841

73,500 shares Ford Motor for gain of $177,635

8,400 shares Goldman Sachs for gain of $431,468

1,140 shares Google Inc for gain of $299,923

33,000 shares of General Motors for gain of $241,448

47,500 shares of General Electric for gain of $187,440

40,000 shares of General Mills for gain of $23,792

49,000 shares of Intel Corp for gain of $233,157

16,000 shares of Johnson & Johnson for gain of $478,136

57,500 shares of Morgan Stanley for gain of $750,530

28,500 shares of Met Life for gain of $427,910

11,250 shares of McDonalds for gain of $75,180

37,500 shares of Microsoft for gain of $389,940

17,800 shares of Noble Energy for gain of $127,692

21,000 shares of Occidental Petroleum for loss of $121,661

12,000 shares of PepsiCo Inc. for loss of $4,2006

33,000 shares of Pfizer for gain of $10,273

16,500 shares of Proctor & Gamble for gain of $336,887

13,500 shares of Schlumberger Ltd for gain of $201,185

6,000 shares of Sherwin Williams for gain of $173,869

12,400 shares of Travelers Companies for gain of $25,230

16,900 shares of Tiffany & Co. for gain of $421,151

28,000 shares of Toll Brothers for gain of $20,166

23,500 shares of Volkswagen ADR for gain of $202,984

110,000 shares of Best Buy Co Inc. for gain of $2,240,615

100,000 shares of Facebook for gain of $3,856,999

38,000 shares of YAHOO Inc. for gain of $581,262

Total gain (after subtracting fees): $27,021,471.65

Candidate Trump’s financial disclosure form is not yet available on the Federal Elections Commission site; a spokeswoman said that an FEC lawyer must first review the filing before it is released to the public. However, the Trump campaign released its own information directly to the press.

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Dior Breaks Its E-commerce Website Ban

Dior Breaks Its E-commerce website Ban

It was inevitable that Dior, one of the last luxury giant holdouts on the e-commerce website front, would break. And it’s happening now, with an interesting strategy. Dior isn’t taking the full, brand-wide plunge, but rather it’s dipping its toe into the online pool with a holiday pop-up shoe shop with Bergdorf Goodman.

“There is no e-commerce site in North America for Dior,” said Pamela Baxter, president and chief executive officer of perfumes and cosmetics Americas at LVMH Moët Hennessy Louis Vuitton, president of Christian Dior Couture . “The whole purpose and goal of this was to really leverage our partnership with Bergdorf and push the client base that they have that we don’t have. It’s a really a win-win for everyone.”

The sale goes live on http://www.BG.com from Monday through Dec. 31 with a selection of 14 shoe styles from the 2016 cruise collection. A key item is the Dior Fusion sneaker, but there are Dior Verso and Dior Flore heels and flats. Prices range from $830 for flats, to $920 for pumps to up to $1,140 for the Fusion sneakers. To promote the e-commerce website pop-up, Dior has enlisted a slew of social media fashion influencers — including Instagram’s Eva Chen; Shiona Turini, who works with The Cut; Leandra Medine of The Manrepeller, and blogger Aimee Song of Song of Style — to spread the word to their many followers through Instagram and their other platforms with photographs of each influencer in her favourite shoe from the collection.

Bergdorf’s president Joshua Schulman was the protagonist on the collaborative project. He said he proposed the idea to Dior two years ago and it’s been in the works for a year. Bergdorf Goodman routinely does special pop-up installations with its top luxury brands; Alexander Wang and Chanel have done special in-store installations in recent years. The store has had particular success with shoe pop-ups, including the recent Christian Louboutin “nudes” collection. That’s why Dior decided to go specifically with shoes.

“The customer likes to shop online,” said Schulman. “There’s pent-up demand for some of these brands that until now have not been online.”

One of the few remaining luxury holdouts in e-commerce website is Céline, also part of  LVMH Moët Hennessy Louis Vuitton. Chanel was among that group until this past spring, when it first entered the online e-commerce website world with a small jewelry collection done in tandem with Net-A-Porter and dubbed Coco Crush. More recently in the U.S., Chanel added online sales of its sunglasses to its existing e-commerce website business in beauty.

As for why Dior has opted out of e-commerce websites for so long, Baxter said: “The retail experience and relationship building between our expert sales associates and our clients is really important to us. To be quite frank, we don’t know how that relationship would build online. I have got people in the stores who know exactly who their client is. We have programs in stores for initiating and engaging new clients. We do that really well. When we find that experiential relationship connection and how to do that online, we’ll jump in with both feet. Right now, we’re a very high-end luxury brand, our price points are very high and that relationship experience is our top strategic priority.”

Baxter said Dior has no concrete plans for rolling out its own e-commerce website. The company will use the Bergdorf partnership as research. Schulman anticipates great success, and could not be happier that Dior chose to work with the store on such a milestone for the brand. Acknowledging that each brand goes at its own strategic pace, Schulman said that e-commerce websites is a fact of luxury retail life, a happy fact.

“At a certain point the customer has voted that this is the way that she wants to shop,” he said. “The customer for these luxury brands leads a very busy active life and is used to getting the convenience of being able to shop both online and in store. The brands realize that one doesn’t negate the other — one plus one equals something additive from a customer experience point of view.”

He also noted that 75 percent of Bergdorf’s customers research online before shopping in store. The 14 styles from the Dior/Bergdorf online e-commerce website will be available concurrently at Bergdorf’s flagship on Fifth Avenue in Manhattan.

The store’s relationship with Dior goes back decades, but Schulman noted that the brand has become one of Bergdorf’s fastest growing businesses. Having the Dior online exclusive, even for a finite period of time, is a massive coup. “We launch brands online all the time but this one is a big one for us,” said Schulman.

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Jennifer Lawrence Stars In Dior Bag Campaign

Jennifer Lawrence Stars In Dior Bag Campaign

Jennifer Lawrence for Dior bag campaign.

Jennifer Lawrence for Dior bag campaign.

Jennifer Lawrence may be busy working The Hunger Games red carpet, but in between, she still found time to shoot Dior’s new spring Be Dior bag campaign.

The actress appears fresh-faced and sophisticated in a series of adverts for the brand, which showcase a range of brightly coloured Dior bags.

Jennifer‘s new campaign comes at the heels of her new makeup ad with the brand.

The luxury brand appointed the The Hunger Games star as the ambassador to fill the shoes of other Hollywood beauties before her, including Mila Kunis and Marion Cotillard.

For creative director Raf Simons, choosing Lawrence for the coveted role was an easy one.

“Like the whole world I first discovered Jennifer Lawrence as a young action hero,” Simons said in a statement.

“Her youth and classic beauty, but also the feminine strength and complexity that she can portray at such a young age are, for me, very unique and very appealing.”

Lawrence gushed in return at the time, “I’m so excited to be working with the fashion house and with the new creations by Raf Simons.”

In the Dior campaign Jennifer Lawrence can be seen sporting the Be Dior and Diorissimo handbag styles.

Jennifer Lawrence for Dior bag campaign.

Jennifer Lawrence for Dior bag campaign.

Jennifer Lawrence for Dior bag campaign.

Jennifer Lawrence for Dior bag campaign.

Jennifer Lawrence for Dior bag campaign.

Jennifer Lawrence for Dior bag campaign.

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