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	<title>Cracking Finance &#187; Business</title>
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	<link>http://crackingfinance.com</link>
	<description>Your only stop for Business, Finance, Jobs and Insurance news.</description>
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		<title>Working from home &#8211; YES it&#8217;s possible</title>
		<link>http://crackingfinance.com/2012/01/working-from-home-yes-its-possible/</link>
		<comments>http://crackingfinance.com/2012/01/working-from-home-yes-its-possible/#comments</comments>
		<pubDate>Tue, 31 Jan 2012 12:15:24 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Business]]></category>

		<guid isPermaLink="false">http://crackingfinance.com/?p=826</guid>
		<description><![CDATA[Home based businesses have become popular because they allow the business owner to work from home. They are desirable because they do not require a brick and mortar store front, they don’t require special parking spots, and advertising signs are not necessary. They have low overhead because they are operated ...]]></description>
			<content:encoded><![CDATA[<p>Home based businesses have become popular because they allow the business owner to work from home. They are desirable because they do not require a brick and mortar store front, they don’t require special parking spots, and advertising signs are not necessary. They have low overhead because they are operated out of the home. Usually there are no employees except those members who live in the house.</p>
<p>Most modern day homes have high speed Internet connections, phones, cell phones, computers, printers, and even fax lines. For most home based businesses, this is all of the equipment needed to run a successful business from home. Business owners don’t have to get dressed appropriately to conduct business so they often save a lot of money on clothes.</p>
<p>With unemployment at an all-time high, the home based business is a way for many to make a living that would otherwise be impossible. The start-up costs vary, depending on the type of business you are interested in, but they are usually much less than starting a business outside the home.</p>
<p>There are plenty of options for home based businesses, folks don’t realize it but if you’ve got the drive to do it, it isn’t hard to <a href="http://www.davidandersononline.com/">make money online</a>. There are plenty of people making a living by selling on Ebay. Having access to the right products to sell is important if you plan to sell. Some people use drop ship companies. These companies stock products and allow you to list them for sale on Ebay. Once the product sells, the drop ship company ships the product directly to your buyer. Your name and address are listed on the box as the return address so the buyer does not know that you did not stock the product.</p>
<p>Another Ebay option is to offer to sell products for your friends and neighbors. You can charge a percentage of the sales price or you can set up your own pricing structure. For people who do not want to go through the hassle of listing their items, this could be a great outlet for them to use.</p>
<p>You may have expertise in a particular field, but there is no outlet for that field in your area. You can set up a home based business to offer consultation to others who are interested in that field. This type of home based business has the entire world as a potential client. All of the work can be done on the computer in the privacy of your home.</p>
<p>Before starting any home based business you should do some research. You will need to find a business that you are enthusiastic about and one you have knowledge of. Your passion for your product or service will help you convey your excitement to others. This will help you attract clients who are in need of what you have to offer.</p>
<p>Anderson Dynamics can help you develop your business, regardless of what type of home based business you choose. Your membership gives you access to all kinds of information and ideas. They have associates that are expertly trained to help you with all aspects, including technical support. The even have plenty of work from home opportunities if you have not yet decided the direction you wish to go.</p>
<p>From start-up to marketing, Anderson Dynamics can show you how to make the most out of your home based business. They have the experience it takes to become successful on the world-wide web. When you visit their site you will have access to articles and videos that can help guide you through the process of getting your business up and running.</p>
<p>If you want to enjoy the freedom of working from home, Anderson Dynamics can help you avoid the pitfalls made by others. Get your business off to the right start and you will begin seeing success in no time.</p>
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		<title>RIM gets a new CEO</title>
		<link>http://crackingfinance.com/2012/01/rim-gets-a-new-ceo/</link>
		<comments>http://crackingfinance.com/2012/01/rim-gets-a-new-ceo/#comments</comments>
		<pubDate>Mon, 23 Jan 2012 02:50:37 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Business]]></category>

		<guid isPermaLink="false">http://crackingfinance.com/?p=821</guid>
		<description><![CDATA[2011 was not a very good year for Research In Motion Ltd. (RIM). In fact, it may just have been one of its worst years. As competition in the mobile industry grew with Apple still ahead with its iPhone and Google riding on the success of Android, RIM did nothing ...]]></description>
			<content:encoded><![CDATA[<p>2011 was not a very good year for Research In Motion Ltd. (RIM). In fact, it may just have been one of its worst years. As competition in the mobile industry grew with Apple still ahead with its iPhone and Google riding on the success of Android, RIM did nothing to beat the two. RIM&#8217;s stocks went down by 75 percent as a result.</p>
<p>This is the reason why RIM decided to replaces its CEOs. Thorsten Heins will be the man replacing RIM&#8217;s pair of CEO, Jim Balsillie and Mike Lazaridis. Thorsten has 4 years of experience working in RIM. As for the ex-CEOs, Lazaridis will become vice chairman of RIM while Balsillie will stay as a board member.</p>
<p>Both ex-CEOs claim that it was their own decision to step down from the position and not due to external pressure like people would think (of course). According to Lzaridis, &#8220;This marks the beginning of a new era for RIM.&#8221;</p>
<p>Lets hope he is right because few days ago there were talks of companies looking to buy RIM.</p>
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		<title>Useful tips for small business owners</title>
		<link>http://crackingfinance.com/2011/08/useful-tips-for-small-business-owners/</link>
		<comments>http://crackingfinance.com/2011/08/useful-tips-for-small-business-owners/#comments</comments>
		<pubDate>Wed, 31 Aug 2011 23:59:31 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Business]]></category>

		<guid isPermaLink="false">http://crackingfinance.com/?p=807</guid>
		<description><![CDATA[In order for business to succeed and stand out in this economy, it has to be innovative. Luckily, this is something that small businesses excel at. This article is intended for small businesses that are searching for ways to grow their businesses.
Efficiency is the key to successfully growing your business. ...]]></description>
			<content:encoded><![CDATA[<p>In order for business to succeed and stand out in this economy, it has to be innovative. Luckily, this is something that small businesses excel at. This article is intended for small businesses that are searching for ways to grow their businesses.</p>
<p>Efficiency is the key to successfully growing your business. You will have to be as efficient as you can be so that you are spending only the necessary amount of money. For example, let’s focus on payroll. Every company has to deal with payroll. Some use automatic software while others do it manually. However, doing payroll manually can be increasingly time consuming and waste of useful resources. Instead, small businesses should use <a href="http://www.sage.co.uk/softwaresolutions?businessNeed=HRandPayroll">payroll software</a> to increase efficiency.</p>
<p>Payroll software can do your tax and NI calculations, generate reports and payslips and maintain records. Time and resources are extremely vital to any business, especially small businesses and payroll software can help you save both of them. Once you start using the software, you can use the available <a href="http://shop.sage.co.uk/traininglanding.aspx">payroll courses</a> and <a href="http://shop.sage.co.uk/traininglanding.aspx">payroll training</a> options to get the most out of the software.</p>
<p>Furthermore, once you have spent enough time making sure that your business is operating efficiently, it’s necessary to look elsewhere for further growth. A lot of times, you will find that your competitors have bit the dust due to recession and thus, you should contact their clients and convince them to switch to your company.</p>
<p>Overall, you need to have a clear set of goals for you business in mind. Then, every decision that you make should reflect those goals.</p>
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		<title>Federal Reserve slashes card fees for merchants</title>
		<link>http://crackingfinance.com/2011/06/federal-reserve-slashes-card-fees-for-merchants/</link>
		<comments>http://crackingfinance.com/2011/06/federal-reserve-slashes-card-fees-for-merchants/#comments</comments>
		<pubDate>Wed, 29 Jun 2011 22:11:59 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Business]]></category>
		<category><![CDATA[Featured]]></category>

		<guid isPermaLink="false">http://crackingfinance.com/?p=792</guid>
		<description><![CDATA[For all you business owners with merchant accounts, there is a very good news. The Federal Reserve Board has decided to cut down the fees from 44 cents to 21 cents. The fees that I am talking about are the ones that banks and credit card companies collect for each ...]]></description>
			<content:encoded><![CDATA[<p>For all you business owners with merchant accounts, there is a very good news. The Federal Reserve Board has decided to cut down the fees from 44 cents to 21 cents. The fees that I am talking about are the ones that banks and credit card companies collect for each transaction.</p>
<p>While this is almost a 50% change in the fees, the banks were slightly relieved that the change wasn&#8217;t as much as 75%. Initially, Federal Reserve had laid out plans to cut the fee to 12 cents per transaction.</p>
<p>If you are a merchant, this should be a great sigh of relief since nowadays, a majority of payments are paid through credit/debit cards.</p>
<p>This fee cap is a direct result of an act called Dodd-Frank financial regulation act that was signed just few months ago in last July. Simply put, this law pushed Federal Reserve to investigate the amount of fees charged for debit card processing by the banks and card companies and whether they were reasonable or not.</p>
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		<title>Groupon goes public</title>
		<link>http://crackingfinance.com/2011/06/groupon-goes-public/</link>
		<comments>http://crackingfinance.com/2011/06/groupon-goes-public/#comments</comments>
		<pubDate>Fri, 03 Jun 2011 00:16:00 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Business]]></category>

		<guid isPermaLink="false">http://crackingfinance.com/?p=787</guid>
		<description><![CDATA[Groupon, a fairly new company which provides users with coupons, has decided to go public by filing for IPO. It went public on Thursday and is hoping to raise up to $750 million.
Groupon is no ordinary coupon website. It generated $644.7 million in revenue in the first quarter of 2011 ...]]></description>
			<content:encoded><![CDATA[<p>Groupon, a fairly new company which provides users with coupons, has decided to go public by filing for IPO. It went public on Thursday and is hoping to raise up to $750 million.</p>
<p>Groupon is no ordinary coupon website. It generated $644.7 million in revenue in the first quarter of 2011 itself. Groupon reported a profit of $44.2 million last year.</p>
<p>This coupon website which was founded in late 2008 because famous when it rejected Google&#8217;s $6 billion bid to takeover. This increased Groupon&#8217;s popularity greatly as shown by it&#8217;s impressive profit in 2011.</p>
<p>Groupon will be trading under the name GRPN.</p>
<p>Recently, several companies have been going public. Just recently, 2 weeks ago, professional networking site, LinkedIn, decided to go public at $45 a share. Currently, Pandora Media is also planning to sell its stocks. It is predicted that soon Zynga might also file for IPO.</p>
<p>With so many online companies going public, once cannot help but wonder whether there is a bubble about to burst.</p>
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		<title>Hackers may have stolen PlayStation Network users&#8217; personal information</title>
		<link>http://crackingfinance.com/2011/04/hackers-may-have-stollen-playstation-network-users-personal-information/</link>
		<comments>http://crackingfinance.com/2011/04/hackers-may-have-stollen-playstation-network-users-personal-information/#comments</comments>
		<pubDate>Wed, 27 Apr 2011 01:32:05 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Business]]></category>
		<category><![CDATA[News]]></category>
		<category><![CDATA[Technology]]></category>

		<guid isPermaLink="false">http://crackingfinance.com/?p=772</guid>
		<description><![CDATA[As you may know by now, Sony&#8217;s PlayStation Network recently suffered from a hacker attack on April 17 and April 19. The PlayStation Network provides online access to features such as games, movies, TV shows etc to its users.
Today, Sony Corp. said that sensitive information belonging to its users may ...]]></description>
			<content:encoded><![CDATA[<p><a href="http://crackingfinance.com/wp-content/uploads/2011/04/sony-ps3-playstation-3-video-game-console.jpg"><img class="alignleft size-medium wp-image-774" title="Sony PlayStation 3" src="http://crackingfinance.com/wp-content/uploads/2011/04/sony-ps3-playstation-3-video-game-console-300x300.jpg" alt="" width="254" height="228" /></a>As you may know by now, Sony&#8217;s PlayStation Network recently suffered from a hacker attack on April 17 and April 19. The PlayStation Network provides online access to features such as games, movies, TV shows etc to its users.</p>
<p>Today, Sony Corp. said that sensitive information belonging to its users may have been compromised during the attack. There are approximately 75 million users at risk. The hackers could have accessed users’ email addresses, log-in information, birth dates, purchase history and billing information.</p>
<p>According to a representative, there is no solid proof that any credit-card data was taken but it is possible.<br />
I don’t play PlayStation so luckily, I am not at risk. There have been many such attacks recently. On March 30, customer data was stolen from Epsilon Data Management which sends out emails for big retailers and banks such as Best Buy, Walgreens, CitiBank and Chase.</p>
<p>As a precaution, I would recommend that you be careful about incoming emails. Big companies will never ask you to reveal your personal information in an email. Also, if you think your information has been hacked, change your log-in information as soon as possible.</p>
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		<title>AT&amp;T about to buy T-mobile</title>
		<link>http://crackingfinance.com/2011/03/att-about-to-buy-t-mobile/</link>
		<comments>http://crackingfinance.com/2011/03/att-about-to-buy-t-mobile/#comments</comments>
		<pubDate>Mon, 21 Mar 2011 03:24:48 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Business]]></category>
		<category><![CDATA[Featured]]></category>
		<category><![CDATA[acquisition]]></category>

		<guid isPermaLink="false">http://crackingfinance.com/?p=761</guid>
		<description><![CDATA[Ladies and gentleman, we have a major acquisition taking place at the moment. AT&#38;T, U.S. mobile service, has managed to strike a deal with Deutsche Telekom AG&#8217;s T-Mobile worth $39 billion.
This is so far the biggest deal this year and has already gained a lot of attention for numerous reasons. ...]]></description>
			<content:encoded><![CDATA[<p><img class="alignleft size-full wp-image-763" title="att" src="http://crackingfinance.com/wp-content/uploads/2011/03/att.jpg" alt="" width="234" height="234" />Ladies and gentleman, we have a major acquisition taking place at the moment. AT&amp;T, U.S. mobile service, has managed to strike a deal with Deutsche Telekom AG&#8217;s T-Mobile worth $39 billion.</p>
<p>This is so far the biggest deal this year and has already gained a lot of attention for numerous reasons. Once this deal finalizes, Verizon will drop to the second position as AT&amp;T will become the No. 1 U.S. mobile service. Furthermore, experts believe that this deal will not be welcomed by T-mobile users as it might mean higher wireless service rates. There will be a lot of scrutiny from the regulators as well which we will get to hear about in the coming days.</p>
<p>This deal is extremely important for AT&amp;T as according to estimations, it will raise its market share from 32 percent to 43 percent. This acquisition will also provide AT&amp;T with T-Mobile&#8217;s spectrum which it needs to meet the users&#8217; data and media needs.</p>
<p>The deal is yet to be officially finalized. Lets see how it goes in the next few days.</p>
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		<title>Apple quarterly results surpass expectations</title>
		<link>http://crackingfinance.com/2011/01/apple-quarterly-results-surpass-expectations/</link>
		<comments>http://crackingfinance.com/2011/01/apple-quarterly-results-surpass-expectations/#comments</comments>
		<pubDate>Wed, 19 Jan 2011 05:34:34 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Business]]></category>
		<category><![CDATA[Featured]]></category>

		<guid isPermaLink="false">http://crackingfinance.com/?p=724</guid>
		<description><![CDATA[Just recently, news of Apple&#8217;s Chief Executive Steve Job taking leave of absence due to poor health dropped the value of Apple&#8217;s shares but not for too long as they quickly picked up after Apple released its results for its fiscal first quarter.
Apple&#8217;s latest results have surprised everyone by surpassing ...]]></description>
			<content:encoded><![CDATA[<p>Just recently, news of Apple&#8217;s Chief Executive Steve Job taking leave of absence due to poor health dropped the value of Apple&#8217;s shares but not for too long as they quickly picked up after Apple released its results for its fiscal first quarter.</p>
<p><a href="http://crackingfinance.com/wp-content/uploads/2011/01/apple-ipad-2.jpg"><img class="alignleft size-medium wp-image-727" title="apple ipad 2" src="http://crackingfinance.com/wp-content/uploads/2011/01/apple-ipad-2-225x300.jpg" alt="" width="201" height="269" /></a>Apple&#8217;s latest results have surprised everyone by surpassing all the forecasts. Apple enjoyed a profit of $6.43 per share in the quarter which is greater than $3.67 per share last year. This main reason for this jump is increase in sales from $15.683 billion last year to $26.74 billion.</p>
<p>The Wall street experts had predicted profit of $5.40 per Apple&#8217;s share and total sales of $24.433 billion.</p>
<p>The most popular reason for such profit is Apple&#8217;s latest product: iPad which surpassed all expectations by record sales of 7 million in the recent quarter.  Furthermore, Apple experienced 86% jump in the sales of iPhone in this quarter.</p>
<p>While the numbers are positive, Apple&#8217;s iPad will be facing a lot of competition in the upcoming quarter now that several major companies such as Dell, HP &amp; Samsung among others are releasing their own tablets as well. But then, we hear that soon Apple will be releasing iPad 2 with more features.</p>
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		<title>HP acquires Fortify, a software security company</title>
		<link>http://crackingfinance.com/2010/08/hp-acquires-fortify-a-software-security-company/</link>
		<comments>http://crackingfinance.com/2010/08/hp-acquires-fortify-a-software-security-company/#comments</comments>
		<pubDate>Tue, 17 Aug 2010 21:33:14 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Business]]></category>

		<guid isPermaLink="false">http://crackingfinance.com/?p=695</guid>
		<description><![CDATA[Technology giant, HP, has recently announced that it is acquiring a software security company called Fortify. The news comes days after IBM announced its acquisition of Unica, another software company. The terms of the deal have not yet been made public.
Fortify is a security company that specializes in keeping applications ...]]></description>
			<content:encoded><![CDATA[<p>Technology giant, HP, has recently announced that it is acquiring a software security company called Fortify. The news comes days after IBM announced its <a href="http://crackingfinance.com/2010/08/ibm-buys-unica-for-480-million/" target="_blank">acquisition of Unica</a>, another software company. The terms of the deal have not yet been made public.</p>
<p>Fortify is a security company that specializes in keeping applications secure without deploying them while HP specializes in keeping applications safe during deployment and on. The acquisition of Fortify will allow HP to cover more grounds and become stronger in security industry.</p>
<p>Stay tuned for some more information about this acquisition.</p>
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		<title>IBM buys Unica for $480 million</title>
		<link>http://crackingfinance.com/2010/08/ibm-buys-unica-for-480-million/</link>
		<comments>http://crackingfinance.com/2010/08/ibm-buys-unica-for-480-million/#comments</comments>
		<pubDate>Sat, 14 Aug 2010 21:54:32 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Business]]></category>
		<category><![CDATA[Technology]]></category>

		<guid isPermaLink="false">http://crackingfinance.com/?p=689</guid>
		<description><![CDATA[It has been revealed that IBM, International Business Machines, will be buying Unica, a software company, for approximately $480 million. It is speculated that this acquisition will allow IBM to obtain technology that will allow customers to construct their own marketing campaigns.
Earlier this year, IBM&#8217;s CEO, Sam Palmisano, said that ...]]></description>
			<content:encoded><![CDATA[<p><a href="http://crackingfinance.com/wp-content/uploads/2010/08/ibm-logo.jpg"><img class="size-medium wp-image-690 alignleft" title="logo ibm" src="http://crackingfinance.com/wp-content/uploads/2010/08/ibm-logo-300x158.jpg" alt="" width="300" height="158" /></a>It has been revealed that IBM, International Business Machines, will be buying Unica, a software company, for approximately $480 million. It is speculated that this acquisition will allow IBM to obtain technology that will allow customers to construct their own marketing campaigns.</p>
<p>Earlier this year, IBM&#8217;s CEO, Sam Palmisano, said that IBM has a set budget of $20 billion for acquisitions for the next five years. IBM&#8217;s software unit has made approximately 60 acquisitions in the last seven years and is expected to be responsisble for 50% of company&#8217;s earnings by the year 2015.</p>
<p>Unica has an impressive customer base which includes Ebay and Best Buy among others. Unica employs 500 people.</p>
<p>I am curious to see how IBM handles this acquisitions and takes advantage of it.</p>
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