The Research Design Associates Blog


Business is booming in Saudi Arabia

The three-day forum discussed opportunities for greater economic collaboration between the US and Saudi Arabia and provided an unparalleled business networking environment. The energy, education, medical sectors as well as woman owned business markets. All are experiencing dynamic growth and providing real opportunity for US businesses able to partner in these markets.

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Don’t Write Off or Write Down That Excess Inventory This Year End!

Many businesses face difficult decisions at the end of every year to write off excess or aged inventory in an effort to have the financial statements accurately reflect the financial position of that inventory. Don’t take that financial hit this year! You have alternatives that will not impact your balance sheet or income statement at all. You have the opportunity to take those assets that have been a balance sheet headache and trade or barter them for prepaid assets such as media. There are many corporate barter exchanges that make trades like these every day and it is an absolute win-win for all parties involved.

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7 Reasons To Barter In This Or Any Economy!

Barter is simply the trading of goods or services for other goods or services with no cash involvement. To promote bartering and make it easier for companies to interact, barter exchanges were established. These systems enable bartering to be taken to a new level by offering "barter credits" which are used like cash within that specific network. When you "sell" something you get paid in barter credits which you can then use to "pay" for something from another vendor if necessary or bank until needed at a future time.

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Horse vets in the cloud

My goal was to demystify what moving to the cloud might mean for them short and long term. Short term there’s enormous opportunity for ambulatory medicine; real time access to medical records and billing, current research and in depth medical information, communication with clients and collaboration with a world of colleagues. Long term, it is where business will be conducted.

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My bank went bust

Much to my chagrin I found out that MY small local bank failed last Friday. was interested in a bank serving the local community and accountable to it in preference to multinational investors. I’m a bit stuck on real estate loans backed by land and not multiply sold paper. I remain troubled by the creation of the image of wealth or security in the absence of that value during the housing bubble. No I’m not harking back to the gold standard. We do need new financial vehicles. However I want my checking account, credit card and debit card fees to reflect the cost of those transaction, not to be building a pool of money to drive risky Wall Street commoditized investments.

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Guest Bloggers

From time to time our friends help us out and write articles for the Research Design Associates.

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The Nitty-Gritty of PCI Compliance - credit card data security

I get calls often about PCI DSS (also called PCI Compliance) which boils down to the regulations that all merchants who accept credit card transactions follow to be sure they’re best protecting their customer’s credit card data. While these standards have been in place since 2005, my sharing of this information with business owners often comes as a surprise. Apart from the cost to merchants and roll-out efforts, it will take continued education and open-mindedness by business owners to recognize the gravity of credit card security as well as the large possible infractions for breaches (maximums around $250,000/breach/month) which can be paralyzing to most businesses.

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What Do the New Debit Card Laws Mean for You?

With the passage of the Durbin Amendment new debit rates became effective on October 1. The amendment lowered the interchange rate (wholesale costs) for debit transactions all the way down to the .05% and $.21 per transaction fees. The new law was meant to save some businesses money, so be sure to contact your merchant service provider to see if these savings apply to you and to insure that they are being passed on to you. There are plenty of business and consumer choices.

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