1. Healthcare

An ageing workforce and high turnover rate (particularly in rural regions) means healthcare graduates will have ample opportunity to find work. According to research released by Graduate Careers Australia (GCA), more than 97 per cent of graduates holding bachelor degrees in medicine and pharmacy (as well as engineering) found full-time employment within four months of graduation. In particular, Dentistry graduates topped the median starting salary list at AU$80,000.

Across Australia and online, there are more than 330 health courses available across various disciplines. And, according to the US-based Georgetown University’s Center of Education and the Workforce report, a health-centred background makes people “more employable than postgraduate qualifications in most other fields.”

2. Engineering

Fortunately for engineering students, the booming mining sector in Australia calls for expertise across several engineering disciplines. Mining, mechanical, electrical, petroleum and metallurgical engineering courses are all showing growth as job opportunities continue to become available in this vast sector.

3. Business

An undergraduate business degree doesn’t hold the same value as an MBA, but having a business background – be it commerce, international-focused, green-centred or entrepreneurial – is a valuable asset on your CV. The 2011 GMAC Alumni Perspectives Survey of 1,509 employers representing over 900 companies from the US and 50 other nations reported an average MBA graduate’s salary of US$94,542 – not too shabby.

4. Computer Science/IT

Interest in pursuing this degree program has increased significantly in the US, but expertise in information systems and computer technology is valuable on a global scale. The GCA’s December 2011 ‘Grad Stats’ survey found that a computer science graduate’s starting salary was approximately AU$51,000.

5. Education

Mathematics teachers are in high demand: a 2006 Australian Council of Deans of Science survey found that 75 per cent of secondary schools were struggling to find quality maths and science teachers and the decline continued into 2011. Both subjects were deemed areas of National Priority by the Australian Government with a maximum CSP student contribution rate set at AU$4,355.

6. Accounting/Finance

Accounting services are always in demand on both corporate and personal finance levels, particularly in big cities. Popular job seeker website Jobaroo.com pinpoints Sydney as Australia’s financial centre with a 65 per cent industry presence that includes the Reserve Bank, ASX, Sydney Futures Exchange, and several global companies’ Asia-Pacific headquarters.

7. Earth/Environmental Science

This degree offers graduates a transition into expanding sectors such as mining and petroleum exploration. Between 2010 and 2011, this field experienced the largest increase in a graduate’s starting salary, from AU$54,000 to AU$65,000, according to the GCA’s December 2011 ‘Grad Stats’ survey.

8. Sustainable Development

Perth’s Curtain University of Technology capitalised on this growing sector by establishing the Australian Sustainable Development Institute (ASDI) in 2009. The course educates students on water conservation, climate change adaption, sustainable urban development, Asian nation partnerships, and green energy initiatives – all topics that may be integrated into other branches of business and science-related fields.

9. Human Resources Management

As the resources, engineering and health industries grow, so does the need for top-down organisation. Making decisions and maintaining order within the company, as well as handling relations with others in the industry, are vital to the company’s success.

10. Agronomy

The agriculture industry in Australia represents 12 per cent of the country’s total GDP. This sector has shown constant growth over the past several decades thanks to free trade agreements and ever-expanding overseas export markets, according to Invest in Australia.


1. Happy Hour

True, your coworkers may not want to see you bust out your best Axl-Rose-snake-dance impression, but a little moderate imbibing does wonders for team morale, cohesiveness and camaraderie. Not only does happy hour offer some light at the end of the tunnel during a grueling work week or deadline, it provides the perfect light-hearted atmosphere to develop lasting relationships out of the workplace.

2. Indoor Go Kart Racing

Who hasn’t wanted to blow off some steam over lunch? Seeing your coworker whiz past you – rather than over the top of their cubicle – means heightened senses and adrenaline will pump out bonding oxytocin and feel-good endorphins.  Just limit the good natured heckling to the track and there should be no hard feelings lingering over the water cooler.

3. Team Olympics

Obviously emphasizing the team aspect of this activity will naturally foster cohesiveness while letting everyone’s competitive side come out for the betterment of the group. Choose fun and challenging teamwork-based games taking advantage of your natural surroundings. Who said sandcastle sculpting can’t be competitive?

4. Scavenger Hunt

Who said scavenger hunts are just for kids? This engaging activity mimics in-office skills like creative thinking, leadership and organization, while encouraging co-workers to work together. The location can vary – think about involving your entire office building and making teams out of each company – or take your group to an up-and-coming neighbourhood to explore.

5. Icebreakers

Icebreakers, by definition, encourage conversation, interaction and communication. Pick a fun personal fact about everyone’s history – a worst job will likely result in some laughs – and have everyone jot it down on a postcard. As each card is read aloud, guess which employee held the particular groan-worthy job in way to learn something new about each of your colleagues.

6. Paintball

Okay, we’d have a hard time arguing that paintball can improve office skills like team leadership or organization – it really is a dog-eat-dog sport – but when it comes down to a rowdy good time, paintball makes the list.

7. Hiking Survivor-Style

Again, this ambitious undertaking should focus on team work, so rather than pitting individuals against each other, split into pairs or groups. And we’re not trying to kill anyone here so pick a simpler task like scaling a chosen point with nothing but a compass and a good old-fashioned paper map. The point here is moot if electronics are involved so ditch the iPhones!

8. Volunteering for Charity

The positive effects of volunteering – lowered stress and greater thankfulness in everyday life, not to mention the positive benefits to those on the receiving end – have become an increasing topic of interest. Volunteering as a group multiplies these benefits while bringing co-workers closer on a personal level.

9. Chilli Cook-Off

Hosting a chilli cook-off or bake off not only lets co-workers get to know each other in a low stress, friendly environment, but everyone gets to the reap the rewards: [hopefully] a bounty of good grub.

10. Charades

Participating in a game like Charades, utterly silly by nature and most likely a game the majority of your employees haven’t participated in in years, possibly decades, forces everyone to drop their guard – quick. And to loosen up those stuffy types, it couldn’t hurt to combine this classic with corporate team building activity #1, as mentioned above …

Source: http://www.businessreviewaustralia.com/top_ten/top-10-business/top-10-corporate-team-building-activities

1. Google

Come on, it’s not just the best place to work in Australia—it’s the best place to work on the entire planet. One of the main reasons? When Google succeeds, its employees succeed. In addition to a unique corporate culture of perks (think free daily lunches), fun and reward for its staff, Google boasts unparalleled facilities and conditions that make it one of the best environments to work in.

An ever bigger perk? Top notch salaries and bragging rights for working at the coolest company in the world—and one that values its employees above all else. On Google’s website, the company says, “Appreciation is the best motivation, so we’ve created a fun and inspiring workspace you’ll be glad to be a part of, including on-site doctor; massage and yoga; professional development opportunities; shoreline running trails; and plenty of snacks to get you through the day.”       

2. Coca-Cola South Pacific

As one of the world’s most recognizable brands, you’ve got to give your employees perks—and Coke sure does. Aside from having access to all the Coke you could ever drink, Coca Cola holds meetings in some of the best properties on the planet. The 401K matching plan, stock and pension plans are quite generous.

3. Morgan Stanley Australia

Though Morgan Stanley is a leading financial firm, its employees know how to relax and enjoy—thanks to company perks. Tenured employees receive up to six weeks of paid time off a year, and those employees who work 20 hours or more per week are eligible for flextime, job-sharing, compressed work-weeks, and telecommuting.

4. Yahoo!7

Yahoo! is committed to empowering its employees through programs, products, and services that inspire them to make a positive impact on their communities. Yahoo! also channels the generosity of its employees through the Yahoo! Employee Foundation, a grassroots philanthropic organization that brings together the talents, time, and financial resources of employees.

5. Ezypay

The outsourced direct debit service provider really cares about its “Ezyplayers,” offering everything from fresh snacks daily to Dollars for Dazzlers—an employee reward program where employees are rewarded for referring another star recruit to Ezypay. Staff are also eligible for weekly recognition awards, monthly “values” awards and quarterly target rewards.

6. Deloitte

The benefits are endless. Policies are in place for flexible hours, telecommuting, parental leave and beyond. The company also offers all employees the option of salary sacrifice up to 10 days additional annual leave a year, in addition to the standard 20 days! Fitness and banking discounts are available through partner programs.

7. Bluefin Resources

Here’s something you don’t hear often: “Unlike many agencies, you won’t find a culture of long working hours at Bluefin.” The recruitment agency empowers account managers to choose their own specialisation and grow their own areas. Employees can choose to pursue both new business and account management with no geographic boundaries.

8. Russell Investments

Russell Investments values each associate as an individual—one with a life outside the company. Russell Investments believes “that people who have happy, fulfilled family lives make better associates.” They also receive an annual $1,000 lifestyle allowance to spend on any activity that enhances their wellbeing.

9. Swaab Attorneys

The young law firm prides itself on offering leading edge technology and systems to make work more efficient and easier, as well as appropriate training with a generous subsidy for the cost of personal development. Swaab provides regular social events and in-house lunches with speakers and subsidised gym memberships.

10. Altis Consulting

This company knows that happy engaged staff drives robust customer relationships and ultimately company success. Even though Altis Consulting competes in the information technology industry, a significant amount of the formal training and skills development opportunities are in the soft skills area which the company believes provides it with a competitive advantage.

Source: http://www.businessreviewaustralia.com/top_ten/top-10-business/ten-best-companies-to-work-for

1. Security Officer

Average salary:$29,641
Bliss Score: 3.510/5

Why: “People might think that the work environment security guards often face, such as working late hours alone at night, would be what contributes to unhappiness,” Matt Miller, the chief technology officer at CareerBliss told Smith. “However, our data shows that growth opportunities and lack of rewards in this field is what affected the overall sentiment around this type of job. Work environment scored relatively high.”

Description: Guard, patrol, or monitor premises to prevent theft, violence, or infractions of rules. The BLS projected the growth of these jobs to be 18 percent through 2020.

2. Registered Nurse

Average salary:$60,857
Bliss Score: 3.549/5

Why: “Nurses . . . have more issues with the culture of their workplaces, the people they work with and the person they work for,” Golledge says.

Description: Provide and coordinate patient care, educate patients and the public about various health conditions. The BLS projected the growth of these jobs to be 26 percent through 2020.

3. Teacher

Average salary: $43,663
Bliss Score: 3.595/5

Why: CareerBliss’ chief executive Heidi Golledge told Smith: “CareerBliss has found through our research that teachers appear to be quite happy with their work and their co-workers. However, the rewards for their work, lack of support and lack of opportunities to be promoted counteract many of the good parts of the job.”

Description: Prepare students for future schooling and working by teaching them a variety of subjects. The BLS projected the growth of grade school teaching jobs to be 17 percent through 2020.

4. Sales Engineer

Average salary:$71,283
Bliss Score: 3.636/5

Why: Smith reports that these engineers don’t appreciate the “lack of growth opportunities, company’s culture, compensation and support.”

Description: Sell complex scientific and technological products or services to businesses. They must have extensive knowledge of the products’ parts and functions and must understand the scientific processes that make these products work. The BLS projected the growth of these jobs to be 14 percent through 2020.

5. Product Manager

Average salary:$81,865
Bliss Score: 3.648/5

Why: Smith says that these workers “voiced unhappiness with the range of growth opportunities, compensation, company culture and support.”

Description: A blog describes product managers as those who “conceive the idea; run with it for many months; … gather, [develop], test, [go] through the painful exercise of bringing that product to market, and then support it until it is made obsolete.”

6. Program Manager

Average salary:$94,371
Bliss Score: 3.655/5

Why: Jacquelyn Smith at Forbes reports that “the unhappiest aspects of [this] job are a lack of growth opportunities, the culture of the company they work for and the surrounding workplace support system.”

Description: Plan, coordinate, budget, and supervise construction projects from early development to completion. The program managers’ responsibilities are finished when the product is delivered, and they turn it over to the product managers.

7. Marketing Manager

Average salary:$64,437
Bliss Score: 3.677/5

Why: Thomas O. Davenport at TLNT.com says: “With many organizations expecting managers to act as player-coaches, both performing and overseeing work, their roles often become complex and unwieldy.”

Description: Plan programs to generate interest in a product or service. They work with art directors, sales agents, and financial staff members.

8. Director of Sales

Average salary: $91,821
Bliss Score: 3.677/5

Description: Set sales goals, analyze data, and develop training programs for the organization’s sales representatives. The BLS projected the growth of these jobs to be 12 percent through 2020.

9. Marketing Director

Average salary:$68,873
Bliss Score: 3.688/5

Description: Plan, direct, or coordinate marketing policies and programs, such as determining the demand for products and services offered by a firm and its competitors, and identify potential customers.

10. Maintenance Supervisor

Average salary: $52,799
Bliss Score: 3.691/5

Why: Long hours and a lot of on-call schedules.

Description: Reviewing contracts to ascertain service, machine, and workforce requirements; answering inquiries from potential customers regarding methods, material, and price ranges; and preparing estimates according to labor, material, and machine costs.

Source: http://www.careerbliss.com/happiest-and-unhappiest-jobs-17/

1. You Aren’t Learning Anything New

Yes, you want to know how to do most of your job. But there are also things you want to be learning; otherwise you are not growing professionally. If you have stopped learning at work, it’s time to find a job where you will learn new skills and grow professionally.

2. You Never Have a Day When You Wake Up Excited To Go To Work

If you wake up every morning Monday through Friday and never feel excited to go to work, that is a problem. It means you aren’t enjoying your job and it is diminishing your quality of life. If you wake up every day and dread going to work, it’s time to consider quitting your job.

3. You Spend More Time Surfing the Web Than Doing Your Job

When you are at work, you are supposed to be productive. Otherwise, it’s a waste of your time and the company’s money. If you are bored and surfing the web most of your work day, you may want to think about looking into job options where you’ll get more stimulation and responsibilities.

4. You Don’t Like Most of Your Coworkers

There are always one or two coworkers in the office that most people can’t stand. But if you don’t like most of your coworkers, chances are your days aren’t very enjoyable because you have to work with them day in and day out. If you can’t stand most of your coworkers, it’s time to think about finding a company whose employees you mesh with better.

5. You Aren’t Making Enough Money to Pay Your Bills

If you are working your butt off and not getting paid enough to pay your bills, you might be overqualified and underpaid for your position. Go find a job that pays what you deserve.

6. You Spend Time Looking For Other Jobs

If you are spending time looking for other jobs while you are on the clock, it’s obvious you want to leave your job. So keep looking for new jobs and as soon as you find a good one, take it and run.

7. You Haven’t Gotten a Raise in the Last Two Years

If you work hard and benefit the company you work for, you deserve to be rewarded for that. If your boss hasn’t given you a raise in the last two years, ask for one. If he or she says no, get out now.

8. Your Boss Sucks

Sometimes bosses suck. But if your boss sucks all the time and takes advantage of your time, it’s time to find a new job.

9. The Company Isn’t Doing Well

This sign varies from company to company. You must keep in mind that we are in a recession and if sales are down but the company isn’t in jeopardy, this sign may not apply to you. However, if business is down to the point where it looks like the company is going to go under, start looking for a new job NOW!

10. You are Stressed All the Time

You are supposed to enjoy life, not be stressed out all the time. If you spend most of your days stressed about everything that going on at work, you are not at the right job.

Know any other signs that you should quit your job that weren’t listed above? Share them with us in the comments section!

Source: http://2leep.com/bar.php?url=http://2leep.com/news/890461/0/more/

1. Adam Hildreth

Teenage Millionaire - Adam HildrethIn 1999, at only fourteen years old, Adam Hildreth together with his six friends launched the famous English social networking site Dubit. Dubit became one of the most popular websites in 2004. By 2005, Dubit had a net worth of more than 3.7 million dollars. Adam later founded Crisp thinking, which developed software that protected people from online predators, online harassment and spamming. He is ranked 23 in the top 100 richest young people in the UK according to the 2011 Sunday times rich list.

Adam Hildreth is estimated to have a net worth of 38 million dollars.

2. Sean Belnick

Teenage Millionaire - Sean BelnickWhen he was only 14 years old, Sean Belnick created bizchair.com, an internet retailer for all types of furniture. Sean Belnick began with an initial investment of 500 dollars and ran his business operaions from his bedroom. In 2004, he moved into his first warehouse and by 2009, he had more than 702,000 square feet of warehouse space from the initial 40,00 square feet. In 2010, bizchair had sales of more than 58 million dollars.

Sean Belnick’s net worth is reported to be 42 million dollars

3. Fraser Doherty

Teenage Millionaire - Fraser DohertyFraser Doherty is the CEO of Super Jam. This Scottish young star was taught jam making by his grandmother when he was 14 years old. He started producing jam and selling it in the neighbourhood. He left school at the age of 16 to fully concentrate on super jam. In 2007, he began supplying super jam to 184 Waitrose stores. Nowadays Fraser Doherty currently supplies to all major UK stores and had sales of over 1.2 million dollars in 2011.

Fraser Doherty is worth 2 million dollars.

4. Cameron Johnson

Teenage Millionaire - Cameron JohnsonIn 1994, at only nine years of age, Cameron Johnson began making money by selling invitation cards. By eleven years old he had saved up enough money to form his company, Cheers and Tears. Cameron then participated in several ventures including creating EZ mail, an email forwarding software, surfingprice.com, an online advertising company. By fifteen years old, he was receiving monthly cheques of up to 400,000 dollars.

Cameron Johnson’s net worth is currently 3.2 million.

5. Ashley Qualls

Teenage-Millionaire---Ashley-Qualls-whateverlifeAshley Qualls is an America entrepreneur who made her first million at the age of seventeen. She did this by taking an 8 dollar loan from her mother and creating a website,whateverlife.com in 2004.The website focused on providing HTML tutorials for young people and providing free My space layouts.

Ashley Qualls is valued to have a net worth of 8 million dollars.

6. Chris Phillips

Teenage Millionaire - Chris PhillipsChris Phillips made his first million when he was only 17 years old through dot5hosting. This website was used to register domain names, supply hosting space and hosting several e-commerce sites. By the time he was 19 years old, this British teenager was making over 10 million dollars annually.

Dot5hosting currently has a net worth of 2 million dollars.

7. Juliette Brindak

Teenage Millionaire - Juliette BrindakJuliette made her millions after launching the website Miss O and Friends when she was still only 10 years old. The site, which targets mostly teenage girls, is filled with celebrity gossip, games, quizzes and lots of feature articles. She has also launched a line of Miss O and friends books.

Juliette Brindak is currently the CEO and editor of her site and book line and has a networth of 15 Millions Dollars.

8. Catherine and David Cook

Teenage Millionaire - Catherine and David CookAt only fifteen and seventeen years respectively, Catherine and David Cook came up with the social networking site, My Yearbook in 2005. The site has over 5 million users and has survived the Facebook domination.

My Yearbook has a net worth of over 20 million dollars whereas this brother and sister duo have a combined net worth of 10 million dollars.

9. Tyler Dikman

When the internet was still picking up, Tyler Dikman who was only 15 years old founded Cooltronics in the year 2000. Cooltronics’ main purpose was to provide lessons to computer and internet users on how to get rid of computer viruses and how to upgrade your home PC. Subscriptions and advertising brought in the dollars for this lucky little man.

Tyler Dikman is currently valued to be worth 3.7 million dollars.

10. Farrah Gray

Teenage Millionaire - Farrah GrayFarrah Gray started selling body lotion at the age of 6. At 13 years old he founded Farr-Out Food which in a period of one year had received food orders of over 1.5 million dollars making him a millionaire at 14.

Farrah Gray is the youngest person to have a Wall Street office and is estimated to be worth 20 million dollars.

Source: http://addicted2success.com/success-advice/the-top-10-entrepreneur-teenagers-who-made-millions/

1. Thermodynamic ‘stones’ help keep coffee at the right temperature

We are always excited to see a dose of genuinely new product innovation, and this idea from the US struck us with the simplicity and elegance of its solution. Aiming to help keep coffee at the ideal temperature for longer, Coffee Joulies are small stone-like devices that can be immersed in hot drinks — cooling them while they’re too hot, and then heating them as they cool down. Coffee Joulies launched as a project on Kickstarter, quickly earned its target funding goal, and they now on sale via the website.

2. In Rwanda, clean-burning cookstoves use crowdsourced biofuel

We have seen a wide range of social enterprises that offer inspiration for 2012. Rwandan Inyenyeri is one of these, using an innovative model to deliver a solution to those in need. Inyenyeri hopes to provide an alternative to polluting and forest-destroying brush-fueled cook fires by bringing carbon-negative stoves into the majority of Rwandan homes at zero cost to rural users.
Inyenyeri plan to give away clean-burning LuciaStoves to rural Rwandans while selling them to those in cities. At the same time, they accept recyclable biomass from rural consumers, using this to produce fuel pellets and rewarding donors with free pellets. Urban consumers, meanwhile, buy their fuel pellets, thus generating the bulk of Inyenyeri’s revenues.

3. App for drivers detects and reports potholes automatically

We’ve seen the rise of crowdsourcing initiatives driving innovation for a number of years now, but it takes something extra to make this crowdsourcing process automatic, rather than an active effort for those participating. In use in Boston, Street Bump takes a crowdsourced approach to the problem of potholes. The app takes advantage of the sensors on smartphones to report potholes automatically while users are driving the streets. Developed in partnership with a local professor, the Android app uses the accelerometers and GPS technology in users’ phones to register when and where the user’s car has experienced a pothole — allowing local authorities to map issues and take action more effectively.

4. New font designed for readers with dyslexia

Dutch design firm StudioStudio has created a typeface that can be read by dyslexics more easily and with fewer errors. Recognizing that dyslexics tend to rotate letters as well as mix them up, Dyslexie incorporates numerous features to help keep such problems from occurring. Letters are made to look heavier at the bottom by virtue of thicker lines, for instance, making it easier to recognize their true orientation. With so much design work focusing on creating aesthetically pleasing results, it’s often easy to forget the power of design to help with accessibility for those with difficulties such as dyslexia.

5. Minimalist 10-piece wardrobe designed to span a year

There’s no shortage of ideas aimed at satisfying the “fast fashion” mindset that’s become so common today. Aiming squarely at the opposite end of the sustainability spectrum, the Malaysian ULTRA fashion label has launched an eco-minded 10-piece women’s wardrobe set that’s designed to offer — through mixing and matching — enough outfits to last a whole year. An included 3-in-1 coat, for example, turns into both a shirt and a skirt; a 2-in-1 jacket converts into a vest. Pieces can be sent back to ULTRA at any time for mending or upcycling, and at the end of a year’s wearing, the ULTRA 10 set can be returned for a fresh supply at discounted prices.

6. Mobile app scans for melanoma and maps the results globally

Among the huge range of smartphone apps that we see, it is particularly inspiring to see smartphone technology put to use as a medical tool. Skin Scan is an iPhone app that can be used to analyze and monitor moles so that users can be quickly alerted to any potential danger. The app calculates the fractal dimension of the mole and surrounding skin and builds a structural map that reveals the different growth patterns of the tissues involved, thereby helping to identify any abnormal development. The brainchild of Romanian Cronian Labs, Skin Scan helps users analyze and keep an archive of moles on their own skin or that of family members for later review and comparison.

7. All-in-one kits for growing vegetables at home

We see an ever-broadening array of products to make urban gardening easier, and with these urban populations growing faster than ever before, this is a huge market for potential innovation. We spotted a compelling example in the all-in-one “Grow Your Own” boxes from UK-based Allotinabox. The company sells limited-edition Grow Your Own boxes, filled with organic seeds and a variety of accompanying products for growing vegetables at home. Premium seed packs include carrot, spring onion, leek, spinach and chives, and a Grow Wheel Guide tells consumers when to sow and harvest, among other information. Also included are twine and plant tags. The whole assortment is packaged in a mailbox-friendly 23.3-by-16.5-by-2.5-cm box.

8. iPhone users get paid for small, location-based tasks

As apps become more sophisticated, it’s rare to find an example that integrates all the available functionality to create something as useful as Roamler in The Netherlands and Gigwalk in the US. Roamler lets companies create an instant mobile workforce on-demand, consisting of people who are already close to where the tasks need to be done. Roamler’s clients make their requests with the company, and Roamler offers the work to its users based on their location. In exchange, they earn between EUR 2 and EUR 4 and gain points; the higher their resulting status, the more challenging assignments they get and the more money they earn. There’s plenty here to inspire app-based innovation — targeting smartphone users wherever you find them!

9. A Mexican soccer team managed by its fans

The Murcielagos FC soccer team takes a thoroughly innovative approach to decision-making by having no coach or trainer; instead, it’s managed entirely by its fans. Participating in the Mexican second division, Murcielagos FC outsources all key decisions directly to the fans, with choices posted for supporters to vote on. The fans can vote online or via text message on everything from game tactics and team configuration, to player selection and in-game substitutions. They can even vote to decide which players will be awarded bonuses. We’ve seen initiatives that employ this principle before, but never taken to this extent.

10. Snap a photo of a bill, then click to pay

Aiming to make banking more convenient than ever, Danish Danske Bank now lets consumers snap a photo of their bill and then simply click to pay. Danske Bank customers begin by downloading the bank’s mobile app, they can use their phone’s built-in camera to avoid having to enter their details. All customers need do is photograph the relevant section of their bill and then click to pay it. It’s great to see a big brand offering creative solutions to their customers, and it’s a reminder that innovation has the potential to transform every business in 2012.

Source: http://www.springwise.com/springwise/top-10-business-ideas-opportunities-2012/

1. The bottom line of business is to make money. Business plans are designed to help express this purpose in financial and analytic ways, and to show prospective business partners and investors how their money will be spent and when to expect a return on their investment. If convincing investors is a necessary part of the success of your businesses, don’t skimp on this essential element.
2. Well-written plans can help forecast future financial needs. While nothing is certain, knowing at least where to take your business for it to be successful is a good start in the right direction.
3. Resources, especially when economies are tight, may be few and far between. Knowing how best to spend scarce resources is important for the longevity of any business. Business plans can help to outline essential spending needs when money is tight.
4. Poor planning often causes the death of many great ideas. In order to ensure that your business ideas do not result in failure, a business plan can help keep a business on target and ensure that you're spending money efficiently to keep things moving. A business plan can also help you delineate ideas and work through some of the potential pitfalls before you or others make big investments of time and money.
5. For start-ups, a business plan is absolutely necessary. Most funding sources won’t even consider making an investment these days without one. The reasons for this are clear – businesses that take the time to build a solid business plan are more apt to stay on target and spend wisely while money is tight as the business grows. There is plenty of time later for fancy upgrades and improvements; when starting out, it is best to think small and grow large.
6. While a business plan may be a necessary component of success for many businesses, don’t think of it as only a one-time affair. Business plans should be re-addressed annually and updated based on new circumstances and fiscal realities. Using a business plan as an organizational road map helps ensure long-term business success and keep leaders focused on the mission, goals and long-term growth goals of the business.
7. A comprehensive business plan includes marketing projections. Research data can help leaders identify and focus on target markets and the best ways to reach them. Businesses should keep a keen eye on demographic changes and update their business plans regularly to keep up with changes.
8. A business plan can help to channel resources, in terms of both time and money. This focused direction helps ensure success by helping leaders capitalize on expenses to meet long-term goals.
9. Don’t forget to consider a business plan as an indispensible business tool for future product and service plans. Business plans help leaders stay focused on the best decisions for today, tomorrow and well into the future.
10. Having a formal business plan says a lot about how seriously a company takes its business. For investors, consumers and potential business partners, this means that business leaders recognize the company's potential for success and are serious about fostering an environment that will help it to grow. Consider these players when developing a business plan for a complete and rounded business approach.

Source: http://business-plan-software-review.toptenreviews.com/top-10-business-plan-tips.html