Borrowing to Build Your Business: Getting Your Banker to Say "Yes"

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Highly recommended primer of solid, basic, practical advice.......2002-12-06

Borrowing To Build Your Business: Getting Your Banker To Say "Yes" by small business advisor George M. Dawson (University of Texas at San Antonio Small Business Development Center) is a straightforward, "reader friendly" guide to convincing any bank loan officer to solidly back an entrepreneurial or corporate enterprise. From selecting the best possible banker, to being aware of the pressures on banks and bankers, to the test of the five big C's (Character, Capacity, Condition, Collateral, and Capital), Borrowing To Build Your Business is a first-rate and highly recommended primer of solid, basic, practical advice that every business owner should know before seeking to secure financial assistance from a lending institution.

Book Description

Challenging and at times provocative, Just Capital explores how we can combine a dynamic and growing economy with an inclusive and environmentally responsible society. It considers the proposition that the "globalization" of the world economy limits our ability to combine economic success and a "good" society. It explores how information technology is transforming businessess and economic structures, identifies where the market is failing, and examines where the state can usefully intervene to achieve desirable social and environmental ends.

Just Capital--The Liberal Economy: An article from: The Ecologist

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Just Capital--The Liberal Economy: An article from: The Ecologist

Manufacturer: Ecosystems Limited
ProductGroup: Book
Binding: Digital

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Just Capital: The Liberal Economy
Adair Turner
Manufacturer: Pan
ProductGroup: Book
Binding: Paperback
ASIN: B000OUIYWM

Book Description

We all experience times of hiddenness, when our potential is unseen and our abilities unapplauded. This book redeems those times by reminding us that though we often want to rush through these anonymous seasons of the soul, they hold enormous power to cultivate character traits that cannot be developed any other way!

Customer Reviews:

A Comforting Reality.......2007-08-20

Our culture works very hard to convince us that any moment we are not in gear and in the spotlight is a waisted moment. Alicia does a beautiful job of challenging this notion and giving meaning to those anonymous times in our life.

It is so comforting because when you are in one of those invisible times you need to be learning something important. That will never happen if we are focused entirely of getting "back into the game."

Patience .......2007-05-07

This book helped me be patient with who I am and what I am doing. Sometimes I like for things to go fast and God does not always work that way. I can choose to enjoy where I am and what I am doing as it is the only opportunity to do it, or waste it by being anxious for the future. It was suprising to see Jesus' hidden years from the Bible. I was skeptical to see if the material would be extra Biblical. It was not! She did great research.

Anonymous.......2007-03-09

Loved Alicia Britt Chole's insight through the scriptures of Jesus' hidden years. Made me know that I've not really had hidden years but years that have been viewed by Father God as "special and purposeful". I'm sure I will read thei book over and over and will treasure it always.

A deeply spiritual message of hope and inspiration........2006-12-09

Written by passionate Christian Alicia Britt Chole, Anonymous: Jesus' Hidden Years and Yours is an exploration into the first thirty years of Jesus Christ's life, "hidden years" in that they passed largely unnoticed by the world. Yet those years spent in anonymity prepared Jesus for true greatness, allowing him room to grow and learn. Anonymous draws parallels form Jesus' experience that can be applied to one's own life, and to appreciate the value of each day rather than slide into anxiety and despair when one's goals are delayed or deferred. A deeply spiritual message of hope and inspiration.

Anonymous-Jesus hidden years.......2006-11-10

I loved the premise of book.
Good personal-side examples. This book made me want to read slowly and reflect on my own "hidden" obscure season

The Power of One: Gaining Business Value from Personalization Technologies

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Awesome inputs
Best book so far on personalization
Thought-leadership on Personalization

The Power of One: Gaining Business Value from Personalization Technologies
Nirmal Pal & Arvind Rangaswamy
Manufacturer: Trafford Publishing
ProductGroup: Book
Binding: Paperback

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ASIN: 1412011213
Release Date: 2006-07-06

Book Description

Customer satisfaction, employee productivity, and overall business efficiency are exponentially increased when companies exploit the tremendous customization potential of Internet applications.

The Power of One brings together some of the greatest minds in e-business, marketing, and information technology. The all-star roster represents corporate giants like IBM, Xerox, and AT&T Wireless as well as world-renowned academic institutions including Penn State, Georgia Tech, University of Texas, and Carnegie Mellon. Their combined work is the first and last word on value delivery through personalized products and services, taking the reader through every component of "customerization," including:

* The business benefits and impact * Implementing and managing technology * Personalization in mobile commerce * Maximizing fulfillment and customer service * Ensuring security and privacy * Much more.

Businesses thrive by reaching as many customers as possible. The Power of One is about reaching all of them -- one at a time.

Customer Reviews:

Awesome inputs.......2005-10-25

Loved the book. Content is accurate, well written and has helped me generate an online personalization strategy for my company.

Best book so far on personalization.......2005-02-17

Having May 2004 finalised my Graduate Diploma in E-business with a thesis on Online Personalization, I'm happy to say that this book was one of my key sources.

There are very few well-founded books on personalization. This one includes a number of interesting articles on very different angles on personalization (business, technical, privacy, etc.). The first part of the book is on the more strategic issues and the second part on the more operational issues.

STRATEGIC ISSUES
One of the lead chapters is on "How to evaluate personalization initiatives". The book recommends two dimensions: External Customer Acceptance and Internal Business Value

Two sub-dimensions control External Customer Acceptance:
- The perceived value for customer; i.e. how well is the customer need fulfilled and does it happen timely for the customer.
- Ease of data collection; i.e. how much can be based on the knowledge the business already has - and how much must the customer type manually.

Two sub-dimensions control Internal Business Value:
- Customer's Share of Wallet, i.e. the business' ability to sell more of the same products and/or different products to the customer
- Ease of implementation, i.e. the classic trade-off of production flexibility and production efficiency. How easy is it to customize the offering to the customer and what are the marginal costs in doing this compare to the marginal revenue.

Another interesting chapter is on the evolution of website's personalization. We often talk about personalization as either or. It's too simple. There's a whole spectrum of tools to make a website continually more personalized. The degrees of personalization are from static sites over dynamic sites to global personalized sites.

The book uses the definition from personalization.org:
Personalization is the use of technology and customer information to tailor electronic commerce interactions between a business and each individual customer. Using information either previously obtained or provided in real-time about the customer, the exchange between the parties is altered to fit that customer's stated needs as well as needs perceived by the business based on the available customer information. The purpose of this information technology combined with marketing practices specialized for the World Wide Web is to:
1. Better serve the customer by anticipating needs
2. Make the interaction efficient and satisfying for both parties
3. Build a relationship that encourages the customer to return for subsequent purchases

If you're really interested in personalization, do also consider: Bruce Kasanoff's "Making it Personal - How to Profit from Personalization without Invading Privacy" (2002).

Peter Leerskov,
MSc in International Business (Marketing & Management) and Graduate Diploma in E-business

Thought-leadership on Personalization.......2004-03-25

Today's digital technologies enable and empower organizations to collect, analyse and store vast amount of customer information. The ability to connect islands of customer information has led to better customer profiling and better marketing strategies.

Various personalization technologies and electronic agents, to some extent, assist customers to navigate the ocean of market information. With our bounded capability to process huge amount of information and to gather all the necessary information for decision-making at any one time, such technological advances are welcome. However, such personalization technologies may intrude and invade privacy. Such are the core themes when it comes discussing about personalization. Such are the challenges of personalization technologies, faced by corporations, governments and individuals.

In "The Power of One", Nirmal Pal and Arvind Rangaswamy has succinctly captured the essence of the current thoughts on personalization and successfully steered through the complex mosaic of the subject to deliver penetrating insights. Pal and Rangaswamy assembled a superb collection of thoughts and ideas together with researched materials on personalization.

Personalization is one of the core building blocks of the Real-time Organization - the ability to sense-and-respond and adapt in the emerging global, digital economy. As noted by Pal and Rangaswamy, "if a firm is fully personalized, it "rents" out to customer just the right set of its assets for just the right amount to serve their individual needs." It provides the basis for enterprise-wide integration. Successful implementation of personalization technologies enables organizations to redefine the meaning of customer-centric.

Overall, this book provides thought-leadership on personalization and is a must-read for business executives. Those who are assessing the impact of personalization and those who are planning to implement the initiative within their organizations can learn about strategic issues (Chapter 1 to Chapter 5) and the nuts-and-bolts of personalization (Chapter 6 to Chapter 11).

Researchers on the subject will value the diversity of personalisation-related issues being addressed in the book. Consumers, like you and me, can gain a lot from the in-depth discussions on privacy found in the book. Readers will find this book easy to read and grasp, as all the contributors have eloquently narrated complex issues into coherent perspectives.

Book Description

This new book by Beate R össler is a work of real quality and originality on an extremely topical issue: the issue of privacy and the relations between the private and the public.R össler investigates the reasons why we value privacy and why we ought to value it. In the context of modern, liberal societies, R össler develops a theory of the private which links privacy and autonomy in a constitutive way: privacy is a necessary condition to lead an autonomous life. The book develops a theory of freedom and autonomy which sees the ability to pose the "practical question " of how one wants to live, of what a person strives to be, at the centre of the modern idea of autonomy.The question of privacy is emerging as an increasingly important topic in social and political theory and is central to many current debates in law, the media and politics. The Value of Privacy will be widely recognised to be a classic contribution to the subject.

Economics of Identity Theft: Avoidance, Causes and Possible Cures

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Economics of Identity Theft: Avoidance, Causes and Possible Cures
L. Jean Camp
Manufacturer: Springer
ProductGroup: Book
Binding: Hardcover

General | Popular Economics | Business & Investing | Subjects | Books

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Information Theory | Computer Science | Computers & Internet | Subjects | Books

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ASIN: 0387345892

Book Description

Today, identity is more than anything, economic. The technology used to create, utilize and protect identities is increasingly ill-matched to the economics and uses of identities. Identity theft is the misuse of private authenticating information to steal money. Protecting identity requires privacy. Proving identity requires exposing information. Together, these points illustrate that the near-term search for cheap identity management is a formula for long-term fraud resulting in ever-increasing identity theft.

The Economics of Identity Theft: Avoidance, Causes and Possible Cures, a professional book, discusses privacy as multi-dimensional, and then pulls forward the economics of privacy in the first few chapters. This book also includes identity-based signatures, spyware, and the placement of biometric security in an economically broken system, which results in a broken biometric system. The final chapters include systematic problems with practical individual strategies for preventing identity theft for any reader of any economic status. In conclusion, four startling previews of the future are written as scenarios.

Dossier Society: Value Choices in the Design of National Information Systems (Corps--Computing, Organizations, Policy and Society)

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Dossier Society: Value Choices in the Design of National Information Systems (Corps--Computing, Organizations, Policy and Society)
Kenneth C. Laudon
Manufacturer: Columbia University Press
ProductGroup: Book
Binding: Hardcover

Privacy | Business & Culture | Computers & Internet | Subjects | Books

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Privacy: A Vanishing Value? (Rose Hill Book)

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Privacy: A Vanishing Value? (Rose Hill Book)
William Bier
Manufacturer: Fordham University Press
ProductGroup: Book
Binding: Hardcover

Civil Rights & Liberties | Current Events | Nonfiction | Subjects | Books

Human Rights | Constitutional Law | Law | Subjects | Books

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Book Description

There can be little doubt that privacy emerges as one of the central problems of our times particularly so in the countries of the Western world. In some primitive cultures the opportunities for escaping almost continuous surveillance are very limited, but such is the resilience of human nature that the people in such societies seems able to adjust to this situation and not to be disturbed by it. The role of privacy in ancient civilizations aside, there is a long history of the esteem for the reality of privacy, even though the term itself may not have been used, in the religious traditions of both East and West, where withdrawal from the world into solitude has consistently been viewed as the most efficacious route to union with the Divine. With increasing attention to, and recognition of, human dignity in Western society in recent centuries and particularly in recent years, there ahs come a parallel emphasis on human rights, and central to the cluster of human rights is the right to privacy. It is doubtful whether individual privacy has ever been more highly esteemed than it is today in the democracies of the Western world.

Public and Private Life of the Soviet People: Changing Values in Post-Stalin Russia

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Public and Private Life of the Soviet People: Changing Values in Post-Stalin Russia
Vladimir Shlapentokh
Manufacturer: Oxford University Press, USA
ProductGroup: Book
Binding: Hardcover

General | Europe | History | Subjects | Books

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Book Description

From the late 1950s to the early 1980s, the Soviet people's acceptance of official state ideology was gradually replaced by an emphasis on the family and the individual. Perhaps one of the most important social, economic, and political processes to occur in modern Soviet society, privatization has caused people to withdraw their time, energy, and emotion from state controlled activities, investing them instead in family and friendship. Utilizing novels, films, and his own surveys done in the Soviet Union, the author, an emigre sociologist, analyzes the evolution of attitudes toward family and friendship and the emergence and development of civil society as a sphere of interaction not directed by the state. Finally, Shlapentokh examines Gorbachev's reforms as an attempt by the political elite to restore the authority of the state and the prestige of official public activity as well as to exploit some elements of privatization in the interests of the state. A gripping and revealing account of an aspect of Soviet society usually hidden from Westerners, this book will attract a broad audience.

Value Congruence and Trust Online: Their Impact on Privacy and Price Premiums

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Value Congruence and Trust Online: Their Impact on Privacy and Price Premiums
Joseph, A Cazier
Manufacturer: Cambria Press
ProductGroup: Book
Binding: Hardcover

General | Business & Investing | Subjects | Books

Mail Order | Small Business & Entrepreneurship | Business & Investing | Subjects | Books

Web Marketing | Business & Culture | Computers & Internet | Subjects | Books

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ASIN: 1934043028

Book Description

The rise of the internet as a global trading platform has focused increased attention on trust in business relations. Ebay is just one example of the thousands of online auctions and exchanges that facilitate transactions among parties who may not be able to directly communicate. In these exchanges, trust is facilitated through the use of rating systems. Research indicates that trust is positively related to consumer willingness to pay higher prices and disclose information. This pioneering study shows that in addition to trust, a value congruence strategy can be employed to charge higher prices and increase disclosure of personal information. Value congruence reflects shared beliefs between the firm and the consumer. In fact, the author finds that value congruence is more powerful than trust in fostering these desired outcomes. Value Congruence and Trust Online is must reading for any business scholar or executive concerned with pricing, privacy issues, and marketing strategy online. Marketing academics will also find great value in the rigorous and detailed method and model employed. The results are a significant advance in our understanding of how to effectively market online.

Add value to your business, to your workplace.(Workplace: safety and privacy): An article from: Westchester County Business Journal

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Add value to your business, to your workplace.(Workplace: safety and privacy): An article from: Westchester County Business Journal

Manufacturer: Westfair Communications, Inc.
ProductGroup: Book
Binding: Digital

Workplace | Organizational Behavior | Business & Investing | Subjects | Books

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Management | Management & Leadership | Business & Investing | Subjects | Books

Book Description

This digital document is an article from Westchester County Business Journal, published by Westfair Communications, Inc. on April 19, 2004. The length of the article is 799 words. The page length shown above is based on a typical 300-word page. The article is delivered in HTML format and is available in your Amazon.com Digital Locker immediately after purchase. You can view it with any web browser.

Citation Details
Title: Add value to your business, to your workplace.(Workplace: safety and privacy)
Publication: Westchester County Business Journal (Magazine/Journal)
Date: April 19, 2004
Publisher: Westfair Communications, Inc.
Volume: 43 Issue: 16 Page: 24(1)

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