That unexpected responsibility, plus her marriage shortly before, had a seismic impact on her financial footing. There is always the potential of losing money when you invest in securities. Asset allocation, rebalancing and diversification do not guarantee against risk in broadly declining markets. All annuity contract and rider guarantees, including optional benefits and any fixed crediting rates or annuity payout rates, are backed by the claims-paying ability of the issuing insurance company. They are not backed by Merrill or its affiliates, nor does Merrill or its affiliates make any representations or guarantees regarding the claims-paying ability of the issuing insurance company. If your teenager has been receiving an allowance or has picked up her first real job, she now has a regular paycheck coming in.

Then build generational wealth using proven financial advice for women. Establishing effective communication and being responsive is paramount to maintaining female clients’ trust and retaining them as clients.

They can help you set and reach savings goals, plan for retirement, choose investments, devise a tax strategy, and even make insurance decisions. Brookstone Capital Management understands financial advisors’ unique challenges in marketing, maintaining, and growing their businesses.

If you are saving for a home, which is typically the most significant purchase people make in a lifetime, consider the full cost of your housing choice, Singleton advised. Once you’ve identified areas where you can cut back, direct those funds into an investment account and slowly increase the amount over time. In 2020, women made 83 cents for every dollar earned by men, according to the U.S.

But it doesn’t take a finance degree to understand some of the basics about saving and investing. Having been there myself, I thought I’d pass on what I’ve learned over the years. Plan for financial security and flexibility regardless of your relationship status. That way, whether your plans come to fruition or you enjoy remaining single, you will have made responsible steps to achieve a financially prosperous future.

And develop a smart strategy for maximizing your income when you claim Social Security,” recommends Sabbia. The opinions expressed in this newsletter are those of the Financial Advisor Kim Inglis, BCom, CIM, PFP, FCSI, CAFA and not necessarily those of Raymond James Ltd. (“RJL”) or Raymond James (USA) Ltd. (“RJLU”). Statistics, factual data and other information presented are from sources, believed to be reliable but accuracy cannot be guaranteed. It is furnished on the basis and understanding that Raymond James Ltd. and Raymond James (USA) Ltd. is to be under no liability whatsoever in respect thereof. It is for information purposes only and is not to be construed as an offer or solicitation for the sale or purchase of securities.

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As a child, Jean recalls working with her siblings at a poultry farm every Saturday as an egg checker, working to earn 10 cents to go to the movies. Jean says that her experience growing up during the Depression and being raised by a single mom impacted how she looked at finances. Personal recommendations are a good option for finding a planner who specializes in the LGBTQ community. You can also use XY Planning Network or Garrett Planning Network and filter by a variety of LGBTQ-related financial service providers. “Women relate to women in a way that men can’t,” Maggie Gomez, a certified public accountant and founder of Money With Maggie, said. “It’s always nice to be completely heard and understood. This comes much more naturally for women from what I’ve seen.” Calculate the difference between what you own and what you owe to see where you stand financially.

Shopify Payments comes with your Shopify plan, all you need to do is turn it on. Netflix was not doing any of this; it hadn’t even provided Shiller with the data he used (which he obtained from a third party). But of course in real life, Nagle admits, “if you did that, it would take you all day to go to the grocery store.” Disregarding the digits to the right side of the decimal point lets you get home and make dinner.

Every platform has its own benefits and drawbacks, and the best thing you can do is choose the solution that best suits your needs. Leveraging your product to create community and purpose is a crucial component to growing your own online store.

With limited packaging space and the high cost of in-store marketing, the online shopping experience has become a space for brands to tell their story differently and stand out from competitors. E-commerce has broken down geographical barriers, enabling businesses to reach a global audience without the need for physical store expansions.

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How a product looks on a website is an idealized version and user-generated photos, while not perfect, let customers see what a product looks like in real life. Professionally edited photos are great for product pages, but a genuine photo from a user can be just as powerful.

Despite the benefits of shopping online, there can be too much of a good thing. With tools like buy-now buttons, one-click ordering, and profiles that save our credit card details, it’s easier than ever to make impulse purchases and undermine our budgets. In China, online-to-offline (O2O) commerce relies on identifying and drawing potential consumers via online channels and funneling their purchase interest to traditional brick-and-mortar stores. The O2O channel saw significant sales growth, in addition to nearly doubling purchase frequency among shoppers in 2020. Hence, converted omnishoppers have great potential to drive long-term wallet share growth for companies. Competition to provide a great online shopping experience can be a challenge. Customers have high expectations, short attention spans and little time for browsing.

All four of these broadcast services grew increasingly vitriolic as the European nations prepared for war. Woodcut by Tommaso Garzoni depicting a town crier with a trumpetBefore the invention of newspapers in the early 17th century, official government bulletins and edicts were circulated at times in some centralized empires. The first documented use of an organized courier service for the diffusion of written documents is in Egypt, where Pharaohs used couriers for the diffusion of their decrees in the territory of the State . Julius Caesar regularly publicized his heroic deeds in Gaul, and upon becoming dictator of Rome began publishing government announcements called Acta Diurna.

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Newsworthiness

Today, Al Jazeera, a TV and internet news network owned by the government of Qatar, has become one of the foremost news sources in the world, appreciated by millions as an alternative to the Western media. State-owned China Central Television operates 18 channels and reaches more than a billion viewers worldwide. Iran’s Press TV and Russia’s Russia Today, branded as RT, also have multiplatform presences and large audiences. Other major international broadcasters include the People’s Republic of China, Taiwan, Germany, Saudi Arabia, Egypt, North Korea, India, Cuba, and Australia.

Public relations

The speed of news flow to individuals has also reached a new plateau. This insurmountable flow of news can daunt people and cause information overload.

With the spread of printing presses and the creation of new markets in the 1500s, news underwent a shift from factual and precise economic reporting, to a more emotive and freewheeling format. (Private newsletters containing important intelligence therefore remained in use by people who needed to know.) The first newspapers emerged in Germany in the early 1600s. Relation aller Fürnemmen und gedenckwürdigen Historien, from 1605, is recognized as the world’s first formalized ‘newspaper’; while not a ‘newspaper’ in the modern sense, the Ancient Roman Acta Diurna served a similar purpose circa 131 BC. This 2023 State of Local News Report is an effort to do just that – not only identify current local news deserts but assess areas of the country at risk of becoming news deserts. And as we chronicle the loss of news, we also set out in this report to document local news startups and to highlight shining examples of news organizations that are showing promise for the future. Chakravartty and Sarikakis, Media Policy and Globalization , pp. 58–72, 133–136. News Stories with a strong impact can be easily understood by a reader.

To this end, also, UNESCO formed the Non-Aligned News Agencies Pool. The Professional Model is when skilled peoples put certain events together for a specific audience. The reaction of the audience is influential because it can determine the impact that the particular article or newspaper has on the readers. This model aims to focus on particular events and provide accuracy in reporting. It focuses on influencing various news organizations by applying pressures to governmental processes. The Political Model outlines that news represents the ideological biases of the people as well as the various pressures of the political environment. This model mainly influences journalists and attempts to promote public opinion.

For the Holy Roman Empire, Emperor Maximillian I in 1490 authorized two brothers from the Italian Tasso family, Francesco and Janetto, to create a network of courier stations linked by riders. They began with a communications line between Innsbruck and Mechelen and grew from there. In 1505 this network expanded to Spain, new governed by Maximilian’s son Philip. This system became the Imperial Reichspost, administered by Tasso descendants (subsequently known as Thurn-und-Taxis), who in 1587 received exclusive operating rights from the Emperor. The French postal service and English postal service also began at this time, but did not become comprehensive until the early 1600s.

James S. Ettema, D. Charles Whitney, & Daniel B. Wackman, in Handbook of Communications Science , ed. Chaffee; reprinted in Berkowitz, Social Meanings of News , pp. 34–37. As the technological means for disseminating news grew more powerful, news became an experience which millions of people could undergo simultaneously. Outstanding news experiences can exert a profound influence on millions of people. Through its power to effect a shared experience, news events can mold the collective memory of a society. Public relations releases offer valuable newsworthy information to increasingly overworked journalists on deadline. (This pre-organized news content has been called an information subsidy.) The journalist relies on appearances of autonomy and even opposition to established interests—but the public relations agent seek to conceal their client’s influence on the news,.

These connections underpinned an extensive system of news circulation, with handwritten items bearing dates and places of origin. Centred in Germany, the network took in news from Russia, the Balkans, Italy, Britain, France, and the Netherlands. The German lawyer Christoph von Scheurl and the Fugger house of Augsburg were prominent hubs in this network.

See some different Colorful Design Ideas For Concrete Driveways.When it comes to durability, keep in mind the amount of traffic and the type of traffic your driveway will endure. Ft. concrete driveway is$4,000 to $8,000or$4 to $8 per square foot, depending on the size, shape, and decorative finishes. Small driveways may cost more per square foot because most concrete contractorshave a minimum job price. A concrete driveway costs$4 to $8 per square footor $1,600 to $6,400installed on average. The cost to pour a new concrete driveway with decorative colors, borders, stamped patterns, and finishes is$8 to $18 per square foot. While stamped concrete is pricier than asphalt, you’ll get a much better return on your investment.

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Interconnected Cracks

A single concrete block, as used for constructionConcrete is a composite material composed of aggregate bonded together with a fluid cement that cures over time. Concrete is the second-most-used substance in the world after water, and is the most widely used building material. Its usage worldwide, ton for ton, is twice that of steel, wood, plastics, and aluminium combined.

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Questions to Ask a Driveway Concrete Contractor

To estimate your total concrete driveway cost, you first need to calculate the size of the driveway. Many local councils in Australia specify a minimum width of 3 metres. The cost of a concrete driveway depends on the size, whether it’s on a slope and the type of concrete finish you want, among other things. For a quick cost estimation, please visit our concrete cost calculator. By far the most common method for recycling dry and hardened concrete involves crushing. Mobile sorters and crushers are often installed on construction sites to allow on-site processing.

If you’re budgeting for concrete driveway costs, check out these three types of concrete. Workability depends on water content, aggregate , cementitious content and age and can be modified by adding chemical admixtures, like superplasticizer. Raising the water content or adding chemical admixtures increases concrete workability. Excessive water leads to increased bleeding or segregation of aggregates , with the resulting concrete having reduced quality. Changes in gradation can also affect workability of the concrete, although a wide range of gradation can be used for various applications.

Driveways come in all shapes and sizes, and the types of damage they can experience vary just as much. That’s why it’s impossible to pinpoint an exact cost figure for concrete driveway repairs.

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The all-black design gives you the ability to blend this bench into any background. The finish also acts as a protective barrier against chips, scratches, and stains, further adding to the bench’s professionalism. We picked the Yamaha BB1 as our best overall piano bench due to its simplicity. Piano benches are straightforward in their design and intent and the BB1 exemplifies this. It also comes from a world-renowned audio manufacturer. With Yamaha, you know you’re getting an excellent product.

If you’re looking for a piano bench that offers both comfort and convenience, the Donner Piano Bench with Storage is a great choice. With its solid wood construction, high-density sponges, and non-slip rubber pads, this bench is designed to provide a stable and comfortable seating experience. Plus, the built-in bookcase storage compartment is a great feature that makes it easy to keep your sheet music and other accessories organized. A piano bench is a bench that is usually used in a piano room. Its purpose is to provide seating for the pianist and other listeners of the music played by the pianists.

The key signature is located right before the time signature. It tells you what key you’re in by listing all the sharps and flats in the piece. Knowing how to recognize patterns is a shortcut to reading music. For example, if you can recognize a scale, you’ll know that notes are just going up or down step by step. In each staff , there are five lines with spaces between them. If this feels easy, try playing loudly in one hand and softly in the other. Hand independence is something you’ll continually work on as a pianist.

This negatively affects the technique, finger speed, note accuracy, and correctness of movements. You need to lower the bench to the lower position at home, and then adjust it to the desired exact height and count the number of rotations. Similarly, you can adjust any other bench just by counting the same amount of turns. Once you have adjusted the stool to the correct height in your home, walk up to it and touch your knees to the bench. Remember the point on your knees where the top of the bench is.

Piano Benches with soft padding

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Donner Piano Bench with Storage

This makes the legs very resistant, firm, and stable. This durability and resistance, together with its classic style is a one-of-a-kind seal of quality. Hence, it is an easy and very comfortable color option for any type of person in all homes.

Ultimate-Guitar.com contains chord charts for piano, guitar, bass, and ukulele. Chord charts can be toggled to “piano” to show diagrams of how to play each chord. “Sus” means “suspended” and it’s when you switch out a note for another. So Gsus4 would mean switching out the third for a fourth to form G-C-D. Seventh chords have a dreamier sound and are often used in jazz piano. A slash chord, like F/E in “Yesterday,” means you play the note after the slash as your bass note while your right hand plays the chord F on top.

The padded back gives you enough support to help you sit correctly, making it very comfortable for those long gigs or practice sessions. Wenger’s Musician Chair offers many of the same features as a Cellist Chair. For me, the main difference is that the seat-back tilts backward slightly and doesn’t provide as much support as the closer-positioned Cellist Chair seat-back.

A strong business credit score could mean that you don’t need to guarantee the loan with your personal assets. The exact documents required to get a business loan vary by lender. However, there are some documents that most lenders use to assess and verify an applicant’s identity and a business’ existence. Traditional term loans are lump sums that you pay back over time with interest and often have high borrowing maximums — SBA loans can reach $5 million, for example. Many lenders also offer specific products to fit a growing company’s needs, such as loans for equipment or vehicle purchases.

With invoice factoring, the business sells outstanding invoices to a factoring company, which becomes responsible for collecting payment. Explore financing options and cash flow strategies on Small Business Resources. Applying for a small business loan Expand this section to learn more about how to apply and the information you’ll need for your application. Forbes Advisor adheres to strict editorial integrity standards. To the best of our knowledge, all content is accurate as of the date posted, though offers contained herein may no longer be available. The opinions expressed are the author’s alone and have not been provided, approved, or otherwise endorsed by our partners.

“I just couldn’t believe it,” Claudio, who pays $2,100 a month, told Business Insider. “I’m literally saving $700 to $800 a month on my mortgage payment. It’s a win-win situation, no matter which way you look at it.” The transaction is called an assumable mortgage, which has grown in popularity as rates have risen. There are several reasons why a business might need to obtain a loan with no money. You can use crowdfunding platforms like Kickstarter or Kiva to find interested parties. You usually reward your small business investors with perks like your product, swag or equity, depending on the level of investment. You’ll be expected to have a strategy for high growth in place to satisfy the investors.

Choose a type of loan

So they might not be offered as favorable a deal on a business loan. Almost any business can apply for a business loan, but a lender may require extensive documentation during the application process. The borrowed funds are made available as either a lump-sum payment or a line of credit. Businesses must then repay their lender according to the terms of the loan, which dictate the length of the repayment term and the interest rate charged. Crowdfunding offers startup founders a way to raise funds for their business without having to borrow from a traditional financial institution or friends and family. Business owners can start a crowdfunding campaign using an online fundraising platform like Kickstarter or Indiegogo. Alternatively, startup owners may consider borrowing money from friends or family to get their business off the ground.

How Do Business Loans Work?

While some may think of small businesses as solo practitioners or mom and pop shops, the Small Business Administration has a far broader interpretation. To qualify as a small business, a company cannot exceed standards for average annual revenue or average number of employees, depending on the industry. For example, soybean farmers are considered to be a small business up to $2.25 million in annual revenue, while flooring contractors are small up to $19 million in annual revenue.

Common Uses for a Business Loan

The overall time it takes to get a business loan depends on several factors, including the lender and type of loan. However, the business borrowing process typically takes anywhere from a few days to several months. Business owners who need to access cash quickly may need to work with an alternative lender or other financial institution that specializes in accelerated How Can I Get a Business Loan approval and funding speeds. Borrowers who need fast access to cash may benefit most from short-term lines of credit. While this type of financing comes with brief repayment terms—usually less than a year—funding times may be faster than for traditional lines of credit. In fact, borrowers may get access to their line of credit within hours of approval.

It can be difficult to get a small-business loan if you don’t have good credit and strong finances. It may also be difficult to get a loan if you are a new business. It can also be helpful to have a business attorney review the agreement. Organizations like SCORE can provide low- or no-cost access to small-business legal services.