Business

A green MBA: is it for me?

Are you looking for answers to the following questions? What is a green MBA? What can it do for my career? What schools offer them? Can I get one online? Then read on … and find some answers to these questions. This article will explain why a green MBA can be important to many careers, how they can fuel a stagnant career, and what schools offer them, including online programs.

What is a green MBA?

A Green MBA, also called a “sustainable business degree,” is a Master of Business Administration degree that focuses on corporate sustainability. Like a traditional MBA, it is awarded after one to two years of graduate college study that provides training in the theory and practice of business management. It teaches the theory and practice of managing the business in a sustainable way, including managing the environmental impact of the business, increasing energy efficiency, reducing waste, and finding ways to promote sustainable practices in all aspects of the business. deal.

Why is a green MBA important?

Increasingly, companies are taking business sustainability and environmental practices seriously, discovering that a business approach that takes sustainability into account is also becoming strategically important to the long-term success of companies. A survey of 481 companies, conducted by Arthur D. Little, found that 95% of the executives surveyed believed that sustainable development was important to the future of their businesses.

There is a growing need for a new generation of business leaders who understand business sustainability. This is supported by data from job postings and executive surveys. The CSR Jobs Report, from Net Impact and Ellen Weinreb CSR Recruiting, found that the number of corporate social responsibility (CSR) jobs has increased by 37 percent over a period of three and a half years and that demand of CSR MBA-level candidates still outperform the offer.

A recent GreenBiz survey of more than 600 companies found that organizations are increasing their hiring of environmental and sustainability professionals. The number of large companies citing job openings and plans to increase staff doubled from 8 percent in late 2008 to 17 percent this summer. One in ten employers have added green jobs in the past 12 months, according to a recent survey by Career Builder.

While hiring has been abysmal overall, energy efficiency companies are hiring and cleantech jobs are starting to replace old jobs that have been lousy. Some of the most common green job ads on job boards are for people with green MBAs. They include: Project Manager, Account Executive, Sales Manager, Marketing Coordinator, Business Analyst, Operations Manager, Sustainability Analyst, Research Analyst and Sustainability Manager, and Nonprofit CEO

What schools offer them and can I get a green MBA online?

An increasing number of universities offer MBA programs with a focus on sustainability. Green MBA degree programs, as well as various corporate sustainability certificate programs, are now available at universities located in more than twenty states, as well as various online and online programs for those students who wish to explore this option. These Green MBA programs offer various concentrations in specialized areas such as: global business sustainability, sustainable supply chain management, sustainable management, sustainable marketing, environmental and social sustainability, energy policy, and organic agriculture. New programs are being established and several new programs have been added in recent months.

Last words

As corporations around the world begin to focus on strategies that give their organizations a competitive advantage through environmentally sustainable practices such as carbon reduction, energy efficiency and clean technologies, and especially as they discover that There are also considerable opportunities to save money and make a profit, they will need a new generation of business leaders who can lead these efforts and who understand the problems and opportunities that exist. Those who earn a green MBA will find themselves positioned to become leaders in this exciting transformation of the way business is conducted around the world. You can help top achievers in business make this world a better place while helping position their companies for long-term, sustainable profits.

Business

Farm Cost Segregation Studies: Accelerated Depreciation to Save Taxes

Farm cost segregation studies are a smart tax measure for farmers and ranchers here in the Sacramento Valley, California’s agricultural hub. And it’s about time: Although cost segregation studies have been available for decades, they have only recently reached the mainstream. Agricultural entrepreneurs in Northern California are realizing the great benefit these studies can bring to their results.

The general concept of cost segregation studies, in which personal property, such as removable floors, plumbing, and electrical components connected to personal property, is separated from the actual property of foundations, walls, and other structural components, works well for properties like office complexes. , apartment buildings, single-family rental units, manufacturing plants, or shopping centers.

Agricultural cost segregation studies, however, need a broader view. When preparing a cost segregation study for farmers and ranchers, we must consider much more than just constructed buildings; We must also consider the ranch and farmland itself and all improvements made to the property for agricultural or livestock purposes.

Of course, the land itself cannot be depreciated. But certain land improvements on the land can be: road covers, for example, if they have been built privately; pumps and wells; fences and gates; irrigation facilities; and electrical wiring. And, in some cases, dams, ponds and terraces. Most of the possibilities of the farm cost segregation study are clearly spelled out in IRS Publication 225, Farmer’s Tax Guide, which devotes almost 3 full pages to Depreciation, Depletion, and Amortization.

The section “What property can be depreciated?” he answers himself with 3 subtitles:

  • Property you own
  • Property used in your business or income generating activity
  • Property that has a determinable useful life

That last, determinable shelf life, is where a recent cost segregation study for a Yuba City rice farm got interesting. As anyone who owns a rice farm, works on a rice farm, has visited or even driven around a rice farm knows, a large part of rice farming includes earth dams and terraces. It sure would be nice if they could depreciate, right? Here’s what the IRS says about such structures:

Dams, ponds and terraces. In general, dams, ponds, and terraces cannot be depreciated unless the structures have a certain useful life.

Well, when I see the phrase “generally, you can’t,” I wonder when you specifically can. So I rolled up my sleeves and looked at IRS posts related to agricultural depreciation. It turns out that 26 CFR 1.175-2, Code of Federal Regulations – Title 26: Internal Revenue Service, which defines soil and water conservation expenses, provides guidance for such depreciation:

More specifically, a farmer can deduct expenses incurred for these purposes. [soil and water conservation in respect of land used in farming, or for the prevention of erosion of land used in farming, but only if such expenditures are made in the furtherance of the business of farming] which are for (i) the treatment or movement of earth, (ii) the construction, control and protection of diversion canals, drainage ditches, irrigation ditches, earth dams, water courses, drains and ponds, (iii) the eradication of scrub and (iv) the planting of windbreaks. The expenses for the treatment or movement of the earth include, but are not limited to, the expenses of leveling, conditioning, leveling, terraces, contour furrows and restoration of soil fertility.

That’s the kind of information a farm cost segregation study specialist likes to discover, especially one in the Sacramento Valley! With these details, we can help our rice cultivation cost segregation study client to realize greater tax savings by conducting a Quality Cost Segregation Study that includes accelerated depreciation not only for their office buildings, farm facilities. machinery and storage silos, roads, pumps and wells, fences and gates and electrical wiring, but also “diversion canals, drainage ditches, irrigation ditches, earth dams, waterways, drains and ponds.”

Business

Small Business Payroll Management

Payroll can be too cumbersome for companies to do themselves, not only because of the number of employees, but because it is a process that begins with hiring and does not end until the company dissolves. In addition, this is something that should be done regularly, mainly monthly, although there are also annual tasks. This includes both large and small and medium-sized companies. For large-scale ones, the problem may include tracking employees, as well as filling out forms and complying with tax regulations. Small organizations, on the other hand, can find it costly and therefore depleting the budget to manage themselves, as well as their inability to hire professionals. Not surprisingly, studies find that payroll, along with taxes, are the top outsourced options.

With all employee accounting, with all forms such as Employment Eligibility Verification, Employer Quarterly Federal Tax Return, Additional Medicare Tax, Pension Distributions, Annuities, Profit Sharing or Retirement Plans, IRAs, Insurance contracts, to complete, With all the deductions that must be made and submitted to government authority, businesses may find this process consuming their time and resources. The course to alleviate this can be found by choosing between one of two alternatives: outsource it or make use of applications. The choice made is at the discretion of the management.

If outsourced, the company can be sure of the accuracy of the data. There is the assurance that the forms will be completed on time, there will be no errors related to this topic. This is because the outsourcing company employs professionals who make sure that everything is up to scratch. Economy of scale is something that most organizations cannot achieve. Like the other option, this also means that the company does not have to worry about anything related to payroll. The difference is that this option means that the company may have a sense of loss of authority by opting for this method.

But with the help of payroll software, one can do the task for himself. The software can be standalone, so they only specialize in this feature. However, this feature can be integrated into accounting applications. This method has the advantage of being easy to use, and even with someone who is not an expert on this topic, this can be handled adequately. Just a basic knowledge about us from the app does the job.

Over time, applications have come with the option whereby companies can manage their payroll from anywhere, cloud computing makes the process easier, which means that the company can access and modify data from anywhere. In addition to giving management (or other personnel as needed) control of the data that applications provide, what is also possible is the advantage of simplicity that applications bring. Recently, users seem to switch to the latter mode to manage payroll.

Business

Benefits of leasing commercial equipment

Equipment leasing is one of the most reliable ways to purchase commercial equipment today. Recent surveys in the United States found that about 80% of startups obtain some of their equipment through leasing. Startups are always facing the problem of finances because their income stream is still low. Leasing is a better alternative to purchasing equipment because it allows your business to use available capital for cash flow.

However, there are several questions you need to answer before deciding on a particular leasing decision. Some of them are:

1. Do you think you will need the equipment for a long time? If the answer is YES, it is recommended that you negotiate a purchase alternative that ensures that some of the lease payments go to the acquisition account.

2. What are the terms and conditions or legal implications associated with the lease? It is a better idea to page through the lease before placing your signature on it to avoid adverse repercussions.

Advantages of Leasing Commercial Equipment Over Buying!

Low monthly payments

Monthly lease payments are often lower than the expense of acquiring the equipment by other means. Borrowing to buy equipment is much more expensive than renting it due to the high interest rates that most financial institutions charge.

Your capital is not immobilized!

Leasing helps you keep money from your business for other requirements. Unexpected expenses are not unusual in the business world, and this money can also be useful as working capital when your income is low.

Immediate use of equipment!

Most sources of financial loans require up to 25% down payment. Leasing, on the other hand, provides you with the equipment at a nominal upfront cost. Most leases will only require at least one or two payments up front to allow use of the equipment.

Without obsolescence!

Technological advancement is occurring at a dangerously fast rate and a computer you are using today could be so out of date two years from now. Leasing offers you the opportunity to enjoy the best of today’s technology while it lasts and upgrade when it becomes obsolete. Therefore, you can stay competitive and flexible.

Fixed payment terms!

Banks and other financial institutions have variable credit rates based on market dynamics. Lease payments are usually fixed regardless of what is happening in the market. It is a better alternative because it protects you from potential interest rate spikes. For example, there was an increase in rates from about 9 percent to more than 20 percent in the same year in the 1980s. Such financial inconvenience cannot occur with equipment leasing.

Tax advantage!

Leasing has a tax advantage compared to other financing options. Unlike loan payments, the equipment lease payment can be a pre-tax business expense that can significantly lower your taxes. Tax is generally paid on earnings and can add up to 40% to the cost of equipment when paid in cash.

Simply put, equipment leasing is the way to go to save time and the hassle of finding a money guarantor to purchase commercial equipment. Ensures a fast take-off for your business enterprise.

Business

Presentation Show and Tell: Presentation Skills for Senior Executives

The “show” in “show and tell” presentations is slowly making a comeback in American companies. It is a development that should have been done a long time ago. Long, dense, dry text projected onto conference room screens across the country has passed too long for the “show” criteria of executive presentations. The more text and less graphics appeared in the presentations, the more the presenter was congratulated for having prepared well.

For the long-suffering audience who had to endure these presentations, there was little reward in the effort, except getting to the end of them, where expected, some signs of life could still be found in the unscripted question-and-answer session. .

So why did the coaches start to see some signs of progress? Why is shorter presentations with more graphics and less text becoming increasingly acceptable? Why is it now becoming acceptable to present ideas using some simple visuals or props, or even, on their own merits, no slides?

Call it the rise of presentation personality or just the maturing of that much-ridiculed but necessary business tool: PowerPoint. Maybe it just has to do with the groans emanating from each executive suite when word leaks out of another request to put together, or sit down, one of these dated presentations.

Whatever the cause, there is growing recognition of another more successful communication method available to executives; one best illustrated by the energy-infused performance-style presentations of dynamos like Apple’s Steve Jobs.

This new wave of presentation skills share some common attributes:

1) The public occupies a central place.

Good presenters wonder what their audience needs and wants from each presentation. Great presenters focus their presentations on those needs and wants and make the audience an integral part of the presentation. Start with what you know about the audience’s perceptions and assumptions about the issues you are presenting. What will it take for them to invest in something new?

2.) Without passion, without presentation.

Each presentation is an opportunity for the presenter to share a passion. If yours is about something else, a mere transfer of data, for example, find another way to get it to the people who need it (like hitting the send button). This is the difference between in-person presentations and other ways of sharing ideas. If people are going to invest their time and energy to come hear you, you will not be successful if you just “tell it.” You must show them your ideas through the passion with which you present them.

3.) Be visual.

Written text projected on a screen is not “visual”. If you use slides, find a way to represent your ideas that has real, instant impact. Never use text to “say” what a visual can “show”.

4.) Presentation is acting.

Don’t present what you haven’t practiced or what you don’t believe in. This is not acting. To present well, be fully involved in your material and ideas before attempting to communicate them well to the audience. Take your preparation seriously. And for God’s sake, get out from behind that lectern.

5.) Show leadership.

Your reputation for leadership improves or diminishes with each presentation. Try to hit a home run then, every time you are “on stage,” regardless of your perception of the stakes. It may seem unfair, but the leadership skills you demonstrate during your presentation are what will be used to judge your entire work. Even if you don’t have a leadership degree yet, your moment in front of people is critical in determining whether and when you will be awarded one. Think about what leadership looks and sounds like to you, and infuse your presentations with nothing less.

Business

Dan Kennedy’s Best Book for Entrepreneurs, Freelancers, and Small Business Owners

Dan Kennedy’s “No BS” books are absolutely fantastic.

They are very easy to read and are packed with really great information. Most business books tend to be full of waffles, but Dan Kennedy makes sure to get straight to the point with everything he writes.

But there is one book of his in particular that, in my humble but accurate opinion, is even better than the rest.

It’s called “Time Management Without BS for Entrepreneurs”. If you haven’t read it, you are missing it. Basically, it shows you how to manage your time. a lot of better than it currently is, which means it will make your days that much more productive.

So why is this particular book so good?

Well, there are a few reasons …

First, anyone can use the methods Dan teaches in the book. They are simple and very easy to follow. Neither method includes doing “weird” things. Neither method includes doing complicated things. When I say they can be used by “anyone”, I mean it.

The second reason it is such a good book is this:

Teaches you to Really value your time. Plus, it also shows you how to find out what you are really earning per hour. (Learn this at the beginning of the book.)

It really is something very interesting. You will definitely value your time more after reading it.

Regardless, there are many more reasons why this is a great book.

But you will have to read it yourself to know what they are.

However, right now, I just want you to ask yourself this question:

How much do you currently value your time?

Because from what I can tell, most entrepreneurs don’t value theirs at all. Look, most entrepreneurs end up working almost every hour of the day. However, the unfortunate thing is that they tend to get caught doing the tasks that they could simply outsource. For example, administration work, accounting and other tasks that do not need to be done.

I think they don’t outsource these jobs because they want to cut their costs. They want to save money. But in reality, they are losing a lot of money by not outsource these tasks.

Why? Because if they made Outsource them, they could make better use of their time doing something that would really grow their business and make them a lot more money. For example, this additional time could allow them to focus on finding new leads and acquiring new customers.

Additionally, you must outsource certain tasks because they are costing you valuable TIME with your family. After all, who cares about the success of your business if you don’t really have time to do anything with your friends and loved ones?

Business

Affordable web hosting service for your business

Every day thousands of people register domain names and host their websites for their personal use or their new business. However, how do you really know where to register your domain name and which service provider to register with for your web hosting services?

Here are 6 specifics you can look for to help you decide with which company to choose to register your domain name and web hosting services.

First, you need to decide how many domain names you want to register and whether the domains will be personal or for your business. The average cost to register a domain can range from $ 1.00 to $ 15.00.

And, depending on the company you register, it could cost a little more; however, you will be able to find out the cost once you search and register your domain.

Once your domain is registered, you will need to direct your domains to a web hosting service company. But what plan will you buy and why?

If you have one or two domains, go for a basic plan that costs about $ 5.00 per month. You can always update when necessary.

There are a few things to keep in mind when looking to enroll with a hosting company.

1. Customer service

One aspect in particular is: customer service. How can you contact the web hosting company? Is it through a 1-800 number or live chat or both?

2. Hours of operation

And when is your office hours? Are they open Monday through Friday, 9 a.m. to 6 p.m. M. At 5 p. M. Or are they open 24 hours a day, 7 days a week? This really makes a difference, especially if you need immediate help with your business needs.

3. Amount of web space

The amount of web space is also important because if you have a small website, 5 MB of space will be enough for your needs. However, a large site may require a bit more, especially if you intend to add a lot of images, videos, or sound files.

4. FTP access

You need to have FTP access to be able to upload your website pages easily. This is also particularly useful for web developers.

5. Email

Does your web hosting company allow you to set up an email account and name your email whatever you want? It is important to be able to select an email name that corresponds to your website in order to look professional as a business.

6. Control panel

This is also known as panel c. It is important to have access to your own C panel so that you can control the addition or removal of passwords and email accounts. You definitely want to control your website so that when you need to make a change, you can quickly log into your account and make any necessary changes. You avoid having to speak to technical support for every change you need to make to your website.

There are other more technical requirements, however, those elements will be understood and taken care of by the programmer, who will work and supervise your website.

Business

Equifax Small Business Credit Risk Score

Dun & Bradstreet is the primary company used to assess business credit and issue a credit rating known as Paydex.

There are also other companies that provide similar credit evaluation services to companies based on their independent databases.

One of them is Equifax, which offers a business rating credit model known as the Equifax Small Business Enterprise / Equifax Small Business Credit Risk Score.

Equifax, one of the top three consumer credit rating agencies, now provides business credit assessments for more than 22,000,000 small businesses and corporations to detect the first signs of problems by monitoring key customers, suppliers and partners.

The Equifax model is designed for companies that provide goods and services to small businesses.

The score was created to improve risk assessment throughout the account life cycle by predicting the likelihood that a new or existing small business customer will incur serious delinquency on vendor accounts or on bankruptcy within a 12-month period.

Credit scores range from 101 to 816, with a lower score indicating a higher risk of serious delinquency.

There are also four reason codes that indicate the main factors that affect the credit rating for a better understanding of risk.

Equifax provides credit risk models for both consumers and businesses, but there are considerable differences between the two.

What Can Business Credit Do For You?

You want to protect your personal finances. But when you own a business, this is very difficult to do.

Most creditors and lenders require that you provide your own personal guarantee for anything you do for the business.

This means that if something goes wrong at work, they will also come after your personal assets.

What they don’t want you to know is that you CAN easily get money for your business without offering this personal guarantee.

Business is credit that you obtain in the name of your business. It can be approved without the need for a personal guarantee.

Your profile is used to approve you, not your personal credit profile. So this means that there is no personal guarantee and no personal credit check is required.

It is easier to qualify for business credit than most consumer credit. And generally, the approval limits are higher, too.

Therefore, this doubles your borrowing capacity and still reduces your risk.

As you use it, you get approved for higher limits and more unsecured credit with Visa and MasterCard.

This helps you have a blank security in a time of need. And most importantly, you can use this credit without having any personal financial responsibility.

Your value and borrowing power will greatly improve the higher the business score and borrowing potential of your business.

Business

The S&P 500

S&P is short for Standard & Poor. This represents an index of 500 stocks chosen for many of their characteristics, the most important of which are market size, liquidity, and industry grouping. The main reason the S&P was created is that it serves as a proxy for US equities, but it also reflects the risk / return characteristics of the large-cap universe. It is actually a market value weighted index. This means that the weight of each share in the index is proportional to its market value.

Companies included in the index go through a tough selection by the S&P Index Committee. This team is made up of a team of analysts and economists from Standard & Poor’s.

Each corporation is assigned a ticker symbol. It is basically a memory aid used to uniquely identify the publicly traded shares of a corporation on a particular stock market. For example, the letters KO symbolize the Coca Cola Company. Exxon Mobile Company is symbolized by the characters XOM, McDonalds by MCD, etc. This not only makes it easier to find while searching the index, but also easier to remember.

Then there is the SEC filing, financial statement, or other formal document filed with the U.S. Securities and Exchange Commission (SEC). These papers are generally necessary for public companies, in order to eliminate any speculation. That’s why anyone can see them in the SEC’s EDGAR database. Very good idea, because you have general information at your disposal, such as your business and postal address, your field of activity, your year-end, and many other characteristics that can be useful when you plan to become a future client.

Last but not least, every company has a Global Industry Classification Standard (GICS). That is, your industry sector, as defined by your main business activity. Beware of sub-industries, because the type of products they produce divides some of the sectors. For example, finance is divided into banking, diversified finance, insurance, and real estate.

According to the price list, the Washington Post occupies the first position with 605.50, followed by Google with 486.53 and CME Group Inc, with 342.11. Other companies included in this important index are Apple Inc., Chevron Corp., Amazon Corp., Colgate-Palmolive, PepsiCo Inc., NIKE Inc., Philip Morris Intl., Hewlett-Packard, Harley-Davidson and many other renowned companies. . well-known brands.

Business

Protect assets from unexpected medical expenses

Many people face major problems if they have unpaid medical expenses. These expenses can become a threat to your home, savings, or income. Without any health insurance, an extended hospital stay can turn into a financial sum of tens of thousands or even hundreds of thousands of dollars. If a reasonable payment plan is not initiated before treatment begins, unpaid bills will become a significant collection action shortly after the treatment period ends. Depending on the state you live in, your home, savings, or other personal property may be attached to make up for unpaid medical bills.

Even if you have insurance, the financial risk of copays, large deductibles, and uncovered treatment can be significant. There are instances where out-of-network physicians are recruited during any procedure without the patient’s knowledge or approval. Some policies cover only a small portion of these charges. Although the Affordable Care Act requires insurers to pay these charges, there have been cases where parts of what should have been covered were not covered.

What if you get medical treatment that costs tens or hundreds of thousands of dollars and your insurer denies the claim because of an uncovered deductible, copayment, out-of-network doctor, or unapproved treatment or drug? Who pays the doctor and the hospital? If there is no insurance or the amount is limited, your doctor, hospital or other medical facility will force you to guarantee full payment of the billed costs, less any amount actually reimbursed by your insurer. Any amount that your insurance company does not pay will be the responsibility of the patient.

What happens when a patient cannot pay?

What Happens When You Can’t Pay A Big Medical Bill? Typically, the result is a lawsuit filed by the hospital or a collection agency with a judgment and bond filed against the home and the patient’s accounts. In most states, a portion of the debtor’s earned income can be garnished. Many times before reaching this point, the patient files for personal bankruptcy to stop wage garnishment and eliminate medical bills and other debts. This requires losing all assets, including savings, real estate, and real estate equity. Some of these assets that are exempt in bankruptcy will be turned over to the court and divided among the creditors.

How patients are protected against these events

Family savings trust

Protecting assets with a purpose-built family savings trust can often protect savings from these events. A family savings trust is exceptionally flexible in form and can incorporate provisions that combine the features of many national agreements in the language of the plan documents. All of your assets may be held in the trust, but managed under special terms appropriate to that asset.

For those concerned with protection against unforeseen medical bills, a trust can be customized to specifically address the problem of medical expenses. The trust can be planned to maintain your home, savings, and brokerage accounts in order to protect these assets from unexpected medical expenses. It is often designed to safeguard the tax benefits associated with housing (including deducting mortgage interest, property taxes, and avoiding profit on a future sale), while carrying out proper estate planning and asset protection objectives to the family patrimony.

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