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So what are the different types of bankruptcy, and which one should you apply for? There are essentially three different kinds, and which one you decide to file for is based on your current financial situation.

The first, and probably the worst of the three, is chapter 7. For this, you will have to use your personal assets (ie house, car, whatever is non exempt) to pay off your creditors.

Yes, this can be a very difficult process, as saying goodbye to these possessions you worked for and earned is not easy. However, when you are done, you will be completely discharged of your debt, and can therefore get on the path to achieving financial freedom.

With that said, chapter 7 is the cheapest type of bankruptcy to apply for, and also by far the easiest to get accepted for, because it doesn’t require any sort of payment plan. All you have to do is liquidate your current assets, and you are done.

However, this might not be your best option, and here’s why: with chapter 11 and 13, you don’t have to liquidate your assets, and can in fact pay off your debts with the future income you generate.

Of course, in the case of chapter 11, you will need to show a detailed plan for paying off your debts, and the court needs to approve it. also, you will need to show that you have enough income coming in, as well as a reasonable amount of debt to pay off, that the plan is feasible.

No far out projection or speculations with these types of bankruptcy-if the income isn’t there, this won’t get accepted, and you will have to use chapter 7. However, keep in mind that chapter 7 is only applicable to business bankruptcy, and not personal. That’s where chapter 13 comes in.

For this, you also need to demonstrate that you have a steady income coming in, as well as relatively low amounts of debt (check your local area for the exact amounts). If you can show this, then the courts will draw up a 3-5 year plan for you to follow in order to pay off your debts.

With this plan, you can use it for personal bankruptcy and business bankruptcy (except in the case of a corporation). While both of these are more expensive to file for than chapter 7, if you do qualify, they certainly will be worth it, as you will be able to retain your personal belongings, and your business, if you own one.

Note: in the case of chapter 13, the records of your bankruptcy stay on your credit report for 10 years, which can make taking out a loan a difficult proposition. However, if that’s what you have to do, than that’s what needs to be done. Hopefully this info on the types of bankruptcy will help you know which is the right choice for you.

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Are you so busy with the daily demands of running your practice, meeting court deadlines and serving client needs that you don’t have time for business development?

Moreover, have the current, challenging times seen a dip in new business generation for your law firm? Even if your law firm has not experienced a decline in business, it must undoubtedly have heard about other businesses that are taking a hit. Partners are taking pay cuts. Mergers are on line to save companies. Small firms and sole practitioners are also experiencing declining revenues as a result of the weakening economy. It’s not surprising then that many firms are reassessing their budgets in an attempt to trim expenses. And a marketing budget is one that many will consider reducing, or even eliminating entirely.

However, one must not forget that certain practice management areas are recession-proof, or are likely to experience an increase in business in a struggling economy. Significant amounts of work are expected to be required in litigation, bankruptcy, restructuring, intellectual property, trusts, personal injury or products liability. Marketing just cannot be ignored. However, the need of the hour is to pursue activities where results can be tracked and resources redirected to efforts that yield the best return. In other words, focus must be on business development and lead generation activities that employ a different tactic and yield the same or greater results without the high price tag.

Internet marketing is one such activity. Because of the pervasive nature of the internet, you can reach a larger audience than any other form of marketing aimed at building relationships. And in doing so, you increase your potential to get new clients and referrals. According to a survey conducted by Harris Interactive, the percentage of consumers who use the internet to locate legal services has almost tripled to 27% in 2006, from 10% in 2000, and the number is still growing.

The internet platform also allows one to accurately measure enquiries and precisely see how much business has come via the internet from targeted campaigns. Moreover, in today’s strained financial times, clients referring lawyers are even more selective about the law firms and individual lawyers they choose to do business with. Trust, respect and friendly connection all play a vital role in choosing one lawyer over other. Internet marketing can help forge these connections. Blogs, social media, web-sites, etc. are all components of law firm internet marketing that work together to connect you to your target audience, and all at a low cost.

According to a recent Legalweek survey of 100 senior partners in the UK, almost half the respondents said that their firms are spending 3% to 5% of their annual turnover on marketing activities. A further 10% spend 5% or more. This means that a handful of top firms are spending more than £10 million annually on marketing across the firm.

To sum it up, practices that commit to build and maintain customer relationships by leveraging the pervasive power of law firm internet marketing will continue to grow, whilst others can merely hope to survive. Can you still do without internet marketing………



To know everything on how Internet Marketing can put your law firm in a favourable position from where you can increase your client base at a much lower cost, visit www.legalimarketing.co.uk.

 

Richard Hughe heads the Customer Experience Management function at iMarketing Advantage (iMA) helping professional services firms, esp. the legal professionals in growing their practices using innovative marketing practices.

To obtain funding for your endeavor, you will need to have a well thought out restaurant business plan. This restaurant business plan will need to be top notch or you may not get the startup money you need.

You can find websites who offer templates and resources to help you devise a workable business plan. This approach to writing a restaurant business plan, will help you to think about all of the major and minor costs that you will need to attend to. All of these things are vital in a restaurant startup. You can use the resources on these sites to make the process easier, and get your restaurant business plan out there faster. They provide templates that will allow you to write a professional business plan that will attract investors to you.

Many of these sites will provide you with checklists for your startup, and other resources for budgeting and to stay on track. You will also have access to tools to develop how your business will operate and procedures to help you get organized and be ready when the day comes to open your restaurant business.

You can find sites that will provide you with customizable documents and detailed business plans, to make everything faster and easier to formulate a concise and professional restaurant business plan. They also provide guidance for the preparation of a business plan. This includes business concept, market analysis, marketing strategies, operational plan, and more. You will have access to everything you need to produce a professional restaurant business plan.

You will also have access to current research that you can edit and use in your business plan. These sites also have resources to learn new trends and ideas, and provide absolute credibility to yourself and your plan.

You will be provided with instructions to fine tune the financial section of your restaurant business plan, including projections for your finances, startup and operating budget, and analysis of the return on investments.

These templates usually include- Executive Summary; Company Description; Location; Organization; Business Concept; Concept Statement; Capitalization; Sample Menu; Layouts and Design; Management Partner/Owner; Management Team; Kitchen Manager; General Manager; Management Agreements; Confidentiality Agreements; Market Analysis; Industry Assessment; Competitive Analysis; Target Market; Location Analysis; Marketing Strategy; Customer Database; Frequent Diner; Mail Campaign; Email Campaign; Charity/Community Involvement; Public Relations; Marketing Resources; Business Relationships; Operations; Advertising; Training; Staffing; Daily Operations & Production; Customer Service; Suppliers; Administrative Systems; Management Controls; and many more sections to guide you through the process of formulating a winning restaurant business plan.

Remember, you are responsible for making your restaurant business plan a concise and professional report to submit to potential financial providers. Your business plan is the most important part of opening your restaurant business, and should be the first item on your to do list. Once you have enough funding for your business in place, you will find that a big weight will be taken off your shoulders, and you will be able to concentrate on other aspects of the opening of your new restaurant.

Mario Churchill is a freelance author and has written over 200 articles on various subjects. For more information on restaurant business plan checkout his recommended websites.

A degree in Business Management with an emphasis on Marketing will equip you with the relevant business knowledge, management skills and marketing techniques that are essential ingredients for success in helping you achieve your personal, academic and professional career aspirations.

The aim of the Business Management in Marketing Degree Program is to provide students with a broad-based curriculum that consists of a wide range of contemporary business and marketing-specific courses designed to help students develop a thorough understanding of the standards and techniques that bind the global business environment. You will also gain the practical exposure and experience needed to influence others to accomplish the tasks and challenges you face together on a daily basis.

Study Business Management in Marketing Degree Online

You can study Business Management in Marketing at the Associate, Bachelor, Masters and Certificate Level where your course work will explore the specialist functions of management. These include Accounting, Finance, Marketing, Production and Business Information Systems. Other topics covered are Economics, Quality Operations, Marketing Strategy, Marketing Data Analysis, International Marketing, Professional Marketing, Consumer Behavior, Company Law, Statistics, and Psychology, Ethics and Entrepreneurship.

The program utilizes various forms of teaching methods to disseminate the information to students such as seminars, a series of formal lectures, small tutorial groups, and problem solving workshops as well as computer-based simulations and state-of-the-art learning techniques. Students will gain additional hands-on exposure through a number of internship activities.

By adopting a relevant, rigorous and balanced approach, the courses covered throughout the program will provide you with a solid background in all the relevant tools and techniques needed to progress successfully in today’s modern business world. The program also prepares you to:

* devise, implement and manage complex marketing strategies

* develop information-based analytical decision-making skills and transform these research data into effective marketing programs

* develop proficiency in the technology tools relevant to the business environment and the application of these tools to enhance efficiency

* understand how new products are developed and branded

Careers with an Online Business Management in Marketing Degree

Depending on the level of qualification pursued, students who earn a Business Management in Marketing Degree can enjoy a host of rewarding and exciting career opportunities available within the marketing profession as well as other fields. Marketing majors can pursue middle to senior leadership positions in industrial marketing, education, health, sales, consulting and financial services. Other courses include web-based businesses, public relations, food services, advertising, government agencies, charities or political campaigns.

Marketing majors also have the option of beginning a career path as an entrepreneur, as the marketing skills you mastered in the classroom will help to model your business ideas into successful business ventures.

Average Salary with a Business Management in Marketing Degree

The average salary for graduates with a Business Management in Marketing Degree will vary significantly with the level of qualification, experience, skills, type of company and size, benefits, type of industry and location. Graduates with a Bachelor of Science (BS) Business Management in Marketing Degree working as a Marketing Coordinator or an Account Manager can earn anywhere between $38,320 and $49,691 per year, while a Marketing Researcher or Regional Sales Manager can expect a yearly salary hovering around $55,000 and $60,882.

Schools that offer an Online Business Management in Marketing Degree

Ferris State University

Leeds Trinity & All Schools University

Newcastle University

What are the pros and cons of earning an Online Business Management in Marketing Degree?

Pros

Flexibility: Most online programs schedule their online courses to accommodate the busy schedules of today’s working adults by offering day, night and weekend classes allowing them to study at their own pace depending on their learning capabilities.

Accreditation: With the rising popularity of distance learning, most organizations now recognize and accept degrees earned online, as most employees require online institutions to go through the same accreditation process as traditional on-campus institutions.

Cons

Hardware Intensive

Poor Accreditation

Lack of practical work experience as some online institutions do not provide internships

For more details kindly visit:

http://aboutonlinedegrees.org/blog/business-mgt-marketing/

http://aboutonlinedegrees.org/blog/business-mgt-marketing/