Monday, March 5, 2012

Federal Funding Still Good for Small Technology Firms | Resource ...

March 4th, 2012

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Jim and Gail Greenwood

Jim and Gail Greenwood for NNM Connect and TVC

Congress in December voted to continue two federal programs that offer funding to small businesses involved in technology and innovation. The Small Business Innovation Research Program (SBIR) and the Small Business Technology Transfer Program (STTR) were reauthorized as part of the National Defense Authorization Act, ensuring their funding through 2017.

SBIR grants money to small and startup businesses to develop products, technology or services that solve pressing problems in agriculture, defense, education, energy, transportation, the environment, space exploration, health and other areas. STTR also grants money but requires the business to collaborate with a nonprofit research laboratory or university.

Eleven federal agencies ? including the Department of Defense, Department of Energy, National Institutes of Health, NASA and National Science Foundation ? offer SBIR grants and contracts, and five offer STTR awards. Both programs provide money that doesn?t have to be repaid, and the business doesn?t have to surrender equity.

The reauthorization has brought some significant changes to both programs, and Northern New Mexico Connect and Technology Ventures Corporation are hosting two workshops in March to explain what?s new and to teach entrepreneurs how to write a competitive proposal for the appropriate program. TheAlbuquerqueworkshop, called ?Write a Competitive Phase I SBIR/STTR Proposal,? happens March 15 at TVC?s Albuquerque office; the next day in Santa Fe at the Santa Fe Business Incubator, the workshop theme is ?Write a Phase II SBIR/STTR Proposal.?

The recent legislation increased the programs? overall budgets, expanded eligibility to additional companies and allowed agencies to keep some money for administrative costs. In the past, firms whose majority owners were multiple venture capitalists, hedge funds and private equity funds were ineligible. Under the new legislation, these firms can receive between 15 and 25 percent of an agency?s total SBIR awards, depending on the agency.

The inclusion of venture capital-backed businesses is expected to increase competition for SBIR funds, but small firms that are not majority owned by venture capitalists, hedge funds and private equity firms should benefit by the expanded overall fund pool.

The STTR program may be more attractive to small technology firms than in the past because companies majority-owned by multiple venture capital firms are still ineligible to receive these funds ? small firms won?t have to compete with venture capital firms that may have deeper pockets to fund their STTR proposal preparation efforts. STTR is not subject to the increased administrative withholding imposed on the SBIR program, and an enlarged pool could mean a 50 percent increase in available funds compared to 2011 amounts.

Projects that win funding get the money in phases. In Phase I, recipients receive up to $150,000 to conduct a technical feasibility study that shows how the innovation will solve a problem; this phase takes six to 12 months. In Phase II, which can last two years, recipients may receive up to one million dollars more to expand and complete research and development.

For more information about these and other workshops, visit New Mexico?s statewide business calendar at www.bizcalendar.org. To register for these workshops, go to www.techventures.org/events.

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Download?231_SBIR Funding Still Good for Small Technology Firms?PDF

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Source: http://www.financenewmexico.org/articles/starting-or-growing-a-business/federal-funding-still-good-for-small-technology-firms/

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Sunday, March 4, 2012

A Needed Pintervention

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Cast your mind back to the year 1988. There I am, a newly married 18year old girl, with an instant family (son). We honeymooned in Tasmania, during the cold month of July. And it was the best! Nothing gets a couple closer?than?sharing a Kombi van for a month. It was during this time, that my husband?introduced?me to the world of cooking! Yes, he cooked me my first ever packet of 2 minute noodles. It was a had-to-be-there moment.

Anyway? we returned to South Australia and moved into my son?s mother?s house. Yes? even as an 18yo life wasn?t to be easy. We moved into her house. At least we would have our?own?furniture, right? Bom bom. Not so. They,?being?my son?s mum and her husband, gave us our bedroom?furniture?and dining room suite. It?s just furniture you say? Try telling that to a newly married 18yod girl. Anyway, I digress. They were to be some of our dearest friends, as life would have it, glory to God.

I was newly married and, naturally I wanted to create a?beautiful?home for my new husband. Not so easy to achieve when one is on a ridiculous (read that as ?unemployed, out-of-work youth pastor) budget. I bought many Country Homes magazines from the op shop (Opportunity shop) but after awhile I had collected so many magazines that I couldn?t keep track of my favourite pictures. So, I bought a paper scrapbook (and I mean old time scrapbook ? nothing?like?the scrapbooks of today!) and cut out my favourite picutres and posted them into my scrapbook. That was my version of today?s concept of the Inspiration Board or? Pinterest. I would collect the magazine pictures in my scrabook to show John, and we would dream together. ?I scoured the op shops, looking for quirky, vintage, unique items to make my house a home.?Those were the days when I knew the best Vinnies in town, the Goodwill that had the better vintage items? the Salvo?s that just had everything cheap! Those were the days. And then?vintage?became popular. That kinda killed it for us.

Fast forward a couple of years to where we lived in a shed and a bus. (Hands up if you knew we lived in a shed for 18months) After having one child born in the shed, I was working part time managing the service station where we both worked. Plus ministry. Plus a 10 acre block of land.Plus 2 dogs, 2 horses, goats, sheep, a cocky and a ram! I found myself pregnant again! Yay!!! But, knowing that the shed was not a desirable nor practical environment for raising two babies we abandoned the dream of our mud brick home (sob sob) and instead went with a transportable house and a [low] mortgage. ?Even though I had to let go of one dream I still kept many others. I still kept my?scrapbook, filled with beautiful, dreamy pictures of ideas that I one day hoped to own or recreate in my own house.

Reality Hits

Whilst designing and building our transportable home, I realised,?albeit?slowly, that we couldn?t afford all the?grandiose?ideas?that?I had pasted away and drooled over. Reality check! Over the months, God spoke to me? reminding me of what was near and dear to my heart. But that?s okay, I thought. One day they will happen. Right?

Fast Forward

Twenty four years later and we are a little better off (financially) than when we first started. Praise God! But you know what? Reality bites. Hard. With sharp teeth! Especially when one chooses to be a one income family that focusses on relationship more so than possessions.?I stopped my ?home scrapbook?. I stopped collecting Country Home magazines. I stopped drooling. I had to.

All things are lawful,? but not all things are helpful. ?All things are lawful,? but not all things build up. Let no one seek his own good, but the good of his neighbor.
1 Corinthians 10:23-24 ESV

My Weakness Is Not Your Weakness

My weakness is consumerism, coveting pretty things and hoarding, along with envy. Aside from being sin, this leads to discontent. And it?s horrible to live with. But I found that it is quite easy to replace my real life with a virtual one, and that includes collecting and drooling over things online ? a virtual hoarding of sorts. Sites like Clipix and Pinterest still foster materialism, desire and discontent in my heart. Seeing these sites filled with the most gorgeous pictures is almost like home porn. It doesn?t encourage my heart toward godly things. I am not compelled to be satisfied with less. See my weakness? I know many friends who use these sites as inspiration to be creative in their own lives, kitchens and homeschools without struggling with the temptations that I do. I am truly happy for them but their strength is my weakness.

Why I Do What I Do On The Internet

Playing with various social media has allowed me to examine why I don?t like some sites and why I prefer others. I?ve learned that I prefer forums and Facebook. For me, forums and facebook are my virtual community and these tools foster relationships. My friends live at AussieHomeschool and Facebook. ?Relationships are cultivated there. Words are obviously how I connect relationally with others.

So, whether you eat or drink, or whatever you do, do all to the glory of God.
1 Corinthians 10:31 ESV

The Pintervention

I read books by the Puritans. I listen to guys like John Piper, John MacArthur and Paul Washer. I can?t then head over to Pinterest and drool. I just can?t. I know I sound like one of those missionaries that puts everyone on a guilt trip (~smile~) but really I?m not. I?m not telling you what to think or what to pin, I?m telling you of my weakness. I needed to go cold turkey. No trifling around with sin. I deleted my Pinterest account.

Calling

I desire to focus on others. My heart is sinful and it is very easy for me to focus on myself and my needs or my wants. This isn?t in line with Christ?s calling. It?s not part of dying to self. There are people all over the world who are suffering and dying. Now may not be my time to proactively be out there and serving them but I do hope that one day it will be the right time.?Pinterest does not encourage me to follow Christ, deny myself, take up my cross and follow Him. (Matthew 16:24)

As a woman who has limited energy and yo-yo health, I find it exhausting. Planning, dreaming, shopping, lists and purchasing is fun, exciting and sometimes even an adrenaline rush (when you get a bargain). But then I bring it home and then devote even more energy as I store it, use it, wash it, insure it, rearrange it, etc. Maybe the 9 house moves in 10 years really knocked me around but I am tired of being controlled by my stuff!

I want to be content, happy, satisfied right here, right now!

And so, I took out a Pintervention upon myself. Aside from the whole violation of copyright issues which are for another time, these are the reasons that I had a check in my spirit? a prompting, no a directive from the Holy Spirit to stay away from Pinterest. And that?s all I would encourage others to do? to seek the Lord and follow His direction. That will look different to the path that I and others are on because we all have different strengths and weaknesses. But Our Father knows us best. He knows what we need, what is best for us and what we should avoid. Which is why we should follow Him.

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Not that I am speaking of being in need, for I have learned in whatever situation I am to be content. I know how to be brought low, and I know how to abound. In any and every circumstance, I have learned the secret of facing plenty and hunger, abundance and need. I can do all things through him who strengthens me.
Philippians 4:11-13 ESV

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Susan ?(749 Posts)

Meandering through marriage, motherhood and mess as a child of God. Married to Beloved for over 20 years. Five children later and I?m still having a ball!

My greatest passion and desire in life is to share the love and grace of God. I enjoy blogging, web design with wordpress, social media, technology, chocolate, coffee, good movies and being with family and friends.

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Source: http://kerugma.net/a-needed-pintervention/

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Saturday, March 3, 2012

James Wilson, co-creator of "broken window" policing, dies at 80 (Reuters)

[unable to retrieve full-text content]Reuters - James Q. Wilson, the political scientist who helped create a U.S. law-and-order revolution with the "broken window" theory of community policing, has died at 80, Boston College said on Friday.

Source: http://us.rd.yahoo.com/dailynews/rss/obits/*http%3A//news.yahoo.com/s/nm/20120302/us_nm/us_wilson_obit

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Pegasus Opera II Business Accounting Software | arpas

Standing as the fastest selling accounting software, with over 50 enhancements and a polished, professional new interface, Pegasus Opera II Business Accounting Software has gained a massive 20,000 users during the last two years.

Pegasus is committed to excellence and it has risen to become an industry expert with more than 20 years of experience. Pegasus is award wining in customer care and accredited by the Inland Revenue.

Exactly what do Pegasus do for you? It has been redeveloped like a 32-bit product, making it a powerful Ms windows compatible product, delivering a 32-bit solution. It integrates fully along with your other Microsoft Office products and offers clear data that is up-to-date, meaning tracking stock, trying to find BACS payments and browsing purchase history is simply a click away.

The alerting and scheduling tools that you get with Pegasus Opera II Business Accounting Software permit you to improve the productivity of your business through tact and strategy when it comes to planning.

Pegasus Opera II keeps you on pace with your competition and also the market, allowing you to take advantage of the opportunities as they arise.

Its advanced modular design implies that you can add modules and expand functionality as your business needs grow. Pegasus Opera II offers your company more than just Accounting, it offers you; Financial and business management, eCommerce, Payroll and HR in addition to Manufacturing.

Pegasus helps you to run your company more effectively and also more profitably. When you are busy being productive, Pegasus will probably be keeping an eye on the everyday running of one?s business, with management information at your fingertips.

Despite of the size of your company, you?ll be able to adapt Pegasus Opera II to fit the precise needs of your business. It offers you increased flexibility and wider usage of management information as well as saving you time.

Since Pegasus Opera II is internet and email enabled this means that reports, sales and buy documents, etc can be emailed to customers and suppliers. Other features of Pegasus Opera II are; cash management facilities, sales history, VAT 100 reporting, price lists, discount matrix, stock traceability, purchase invoice register, budgeting, realtime updates, Electronic Payments/BACS, advanced POP, management reports and nominal consolidation.

Since 1982, Pegasus Software has been developing market leading financial store, with Opera II being the main focus of a significant amount of development. Building on its already strong foundations, it really is clearly focused on the needs of businesses and delivers the market leading SME product.

With the addition of Pegasus Opera II to your organisation it will give you the ability you need and match the requirements you have. It is the most flexible and adaptable accounting and business solutions you can buy.

Pegasus Opera II is designed to grow with your business. It has an open architecture, allowing more info to be processed concurrently, making a greater utilisation of hardware and systems.

Its flexible reporting and analysis functions generate control of your business. It ensures your organisation operates as efficiently as you can through being a financial and business management solution.

Pegasus Opera II demonstrates a genuine competitive edge. It meets more business requirements than every other accounting system, helping customers manage their business for their full potential.

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Source: http://arpas.net/pegasus-opera-ii-business-accounting-software/

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Friday, March 2, 2012

Caring for pets | Big Sweeties Pet Supplies

Caring for pets

take care ?f animals ?? always a matter ?f ?h????. S?m? people m?? ?h???? t? take care ?f th? animals t? give ?n t? th??r inner desire t? keep animals ?nd grow ?ld w?th th??r pets. Th?r? ?r? ?l?? ??m? people wh? ?r? n?t very fond ?f having pets ?nd thus h??? difficulty taking care ?f pets th?? h??? ?t home. And b?????? th? animal ?? a ?h????, ??? h??? t? th?nk ?f pets ?nd ?f ??? l?k? t? h??? around ???r home ?r n?t.

Animals t? keep w?th ??? th?t ???r pet w??ld need t? b? fed. Y?? ??n n?t ?nl? provide th?m w?th g??d shelter, b?t w?th g??d food ?nd vitamins ?nd appropriate. J??t l?k? humans, animals m??t ?l?? b? given th? best vitamins ?nd minerals t? ensure th?? receive th? nutritional supplement th?t truly deserve. S?m? animal lovers h??? th? r?ght t? give th??r pets th? r?ght amount ?f nutrients, giving th?m food f?r pets, b?t fail t? take ?nt? consideration th?t ?ll pet food companies f?r th? supply ?f nutrients needed th??r pets. It ?s very ?m??rt?nt th?t ??? carefully ?h???? th? foods ?nd vitamins th?t ??? give ???r pets t? keep th?m healthy.

Th? next thing ??? m??t remember t? take care ?f pets ?? t? ensure th?t th?? ?r? always ?l??n ?nd th?? live ?n a ?l??n environment. Cl??n keeps ???r pet healthy ?nd immune t? ?ll diseases ?n th? development ?f events th?t ???ld ??t ?n grave danger. Wh?n animals live ?n ?n environment th?t ?ft?n ?? n?t ?l??n, ??n b? prone t? develop diseases th?t ?r? sometimes difficult t? determine. Therefore, ?t ?? very ?m??rt?nt t? consult a veterinarian immediately ?ft?r ??? notice th?t ???r pet ?? sick ?r ?tr?ng? ?r d?rk.

L?ttl? d?d fans know th?t pets ??n ?l?? g?t more affected b? th? sudden change ?f time. Pollution m?? ?l?? affect th? overall health ?f ???r pet m?k?? t? develop colds, coughs ?r flu lethal. B?t ?f animal lovers want t? keep th??r pets away fr?m th? development ?f ?n? ?f th??? minor illnesses, th?n maybe a boost ?n th??r daily vitamin intake w??ld. If properly fed, th?? develop a strong resistance t? ?n? harmful bacteria. M??t doctors recommend th?t animals b? given extra dose ?f vitamins ?nd minerals t? keep th?m healthy ?nd free fr?m ?n? disease.

If ?ft?r ?ll th??? precautions, ??? see ???r dog ?r cat seems a l?ttl? ?d?rk ?nd morbid, ?? usual, d? n?t change. Bring th?m t? th? vet f?r a diagnosis ?? ??? ??n b?? th? n??????r? drugs. Again, l?k? m??t nutritionists ??? th?t prevention ?? always better th?n cure ?nd th? same goes f?r pets ?nd th??r needs. If ???r pets ?r? generally ?f th? playful ?nd l?k?? t? r?n around th? house ?nd suddenly everything ?? ?l?w ?nd ?lm??t limp, th?n take ??? t? pamper ???r doctor b?????? h? w??ld know wh?t t? d?. Opt f?r pets h??? become a widespread phenomenon throughout th? world, ?nd ??t w?th ?t comes gr??t responsibility.

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Real Estate Note Purchasers and Real Estate Note Sellers ...

When conducting dealings in real estate, many financial instruments are established in the form of real estate cash flow notes and lann or property contracts. These contracts are employed in a myriad of ways that can benefit both the seller as well as the buyer.These property notes and land contracts are created when the seller carries back an amount of the sales price. A particular interest rate is laid out for financial gain and the specifics can be different in regard to length of the term, balloon payments, etc.When an financier is pondering obtaining these contracts, they desire a good high rate of interest, some seasoning on the financial note, that there was a good amount of money put down at the birth of the instrument, and many other items. For many people who invest, these notes can secure a great monthly income that is vastly superior to any earnings you can get in a banking institution. These notes also provide flexibility in that they can sell the paper at a profit at any time they want. Compare that to a CD that has a far less interest rate and you are locked in for the term of this CD whatever that may be.When a person is desiring to sell one of these instruments, many times it is because they desire to create liquidity for a different investment situation they have their eye on. Or perhaps they are desiring a bigger rate of interest on another instrument. Certain investors manipulate these contracts as down payments on other real estate. No matter what the situation may be, there is plenty to be said about the simple liquidity and creation of these fascinating financial instruments.When someone wishes to play in real estate instruments, they have to do their homework diligently. An absolute understanding of every area of the contract must be weighed. Due diligence must be done to confirm every fact related in the paperwork and by the owner of the note. There are plenty of considerations that can stop an investor from purchasing. The RE paper may be just created with no seasoning. Seasoning is a term that means a few payments have been made on the note. An investor looks for the seasoning and investigates that each payment was made on the due date. A vital need is a credit score of the person making the payments on the instrument. Cautious investors look for a minimum credit score of 625 generally. Also, an important factor that plays a vital part is the neighborhood of the instrument. In some areas of the state that are very run down, investors tend to stay away. Also, they want a good down payment to have been made at the inception of the instrument so that the payors have a financial interest in making all their payments in early or on time due to the fact they have already put considerable money in the contract.To wrap this up, there are millions upon millions of these real estate contracts and land contracts that are brought into existence every decade... More than plenty for every investor in the county to enjoy securing, trading and selling these instruments for appreciable profit.William Novell is a International Financial Writer for several newspapers and magazines around the country. He has helped many Note Buyer. His 40 plus years of investigation in financial circles has helped untold thousands in securing their investments.Note Buyer

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