Germany is Europe’s better abridgement and afterwards Russia it’s additionally Europe’s best crawling country. Afterwards World War II Germany was disconnected into two altered states: West Germany (officially alleged the Federal Republic of Germany) and East Germany (the German Democratic Republic). The western allotment approved accustomed links with added Western European countries, while the antipathetic GDR was added affiliated with countries like the Soviet Union, Hungary and Poland. As of July 2013 it’s estimated 81.1 actor bodies alive in Germany, of which 42% is amid 25 and 54 years old.
Every year there are several ecommerce contest actuality organized in Germany. We accept a accessible ecommerce contest calendar, area you can acquisition all the above online retail contest in Europe. But you can additionally analysis out alone the ecommerce contest in Germany.
Online shoppers in Germany (47 actor in 2015) are agog on application invoice, as it is their adopted online acquittal method. According to a 2013 analysis about six in ten online barter in Germany pay afterwards whenever they ordered article online. But it’s not alone balance that’s popular, 34% of the German barter use acclaim cards (MasterCard, VISA or American Express). Added generally acclimated online acquittal methods are PayPal, ELV, GiroPay, Sofort Überweisung , RatePay and banknote on delivery.
Another study, one from BITKOM, suggests that with 63% balance is the best important acquittal adjustment in Germany, followed by online acquittal casework such as PayPal (56%), debit (46%), acclaim agenda (29%), actual transfer/Giropay (26%), acquittal in beforehand (24%), banknote on commitment (9%).
Online appearance is the best accepted artefact class in Germany, followed by customer media and electronics. Especially in the categories ‘consumer electronics & computers’ and ‘media’ (books, music, movies, video games) German consumers are added agog on arcade online instead of arcade offline. According to a abstraction from BITKOM, 65% of German citizens accept shopped online during 2012, up from 53 percent in 2008. The accepted European boilerplate is 45 percent. In Germany, 85% of the bodies accept admission to the internet.
Germany is accepted for its aerial acknowledgment percentage. Some letters affirmation that 50% of all orders gets beatific back. This is important to apperceive if you appetite to do business in Germany. Added tips for ecommerce in Germany can be begin at EcommerceWiki.
In May 2016, the Ecommerce Foundation aggregate some absorbing statistics about ecommerce in Germany. The bazaar was annual 59.7 billion euros in 2015 and is accepted to ability 66.9 billion euros in 2016. And wwd.com thinks it’s accepted to abound 12 percent annual through 2017, faster than any added Western European country. It’s accepted ecommerce acquirement will annual for 53% of the absolute gross calm artefact in Germany by 2017. The estimated allotment of online retail in Germany in absolute retail is 6,6% at the moment.
And according to a abstraction from Deutsche Agenda Services, the east-west aberration in German online bartering has vanished. In agreement of purchasing action nowadays there is around no alterity amid the western and eastern genitalia of Germany any more. And abstracts from the Centre for Retail Search shows us that online sales in Germany annual for 8% of absolute retail sales.
Ecommerce in Germany seems all about two big players: American banker Amazon and German-founded Otto. They own about bisected of the online market, so it’s appealing bright that it’s absolutely adamantine for abate merchants to accomplish a difference. The 10 better online retailers in Germany, by about-face in 2015, are: Amazon (€7,790 million), Otto (€2,300mn), Zalando (€1,031mn), Notebooksbilliger.de (€610mn), Cyberport (€404mn), Bonprix (€484mn), Tchibo (€450mn), Conrad (€433mn), Alternate (€376mn) and Apple (€369mn).
October 12, 2018eBay has launched two new casework in Germany to advice retailers diplomacy their accessories online: eBay Fulfilment and eBay Shipping. With the fulfilment diplomacy and acumen solutions, eBay sellers are now in the position to action abutting day delivery.
October 12, 2018Ecommerce software provider Intershop alien its commerce-as-a-service band-aid in February of this year. This software band-aid is an important strategical anniversary in the company’s cloud-first strategy. Ecommerce Account Europe interviewed Sales Director EMEA Gerrit Enthoven about the accepted accompaniment of affairs.
October 11, 2018Although ecommerce in Germany connected to access aftermost year, the advance is added alive to the top online retailers. Abate online food in Germany can hardly abound anymore.
October 9, 2018Payments companies Klarna and Mollie will assignment calm added assiduously in Europe. As of today, the acquittal solutions from Klarna will be accessible as accepted for the added than 55,000 barter Mollie has in Europe.
October 3, 2018Ten years ago, Mister Spex disrupted the acceptable eyes industry by ablution an online platform. Now, with over three actor barter and, on average, 15,000 orders per day, the aggregation has become the best acknowledged online optician in Europe. Ecommerce Account Europe interviewed Carsten Hennig, arch of all-embracing at Mister Continue reading
Read all our accessories about ecommerce in Germany.
Last update: January 2017
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Joey Crawford remembers calling a biking on Detroit Pistons fable Isiah Thomas years ago. Details like the opponent, the score, and alike the date of the bold accept all faded, but one of the NBA’s best acclaimed admiral still vividly recalls Thomas’ accent afterwards the whistle.
“He said to me, ‘Always bethink something, Joe: I convenance my moves added than you convenance your airing call,’” Crawford says now. “And he was 100 percent correct!”
NBA amateur are abounding with agnate referee-player exchanges, but Crawford took abundant added from it. Thomas wasn’t aloof imparting acumen while casting a abuse putdown. He was alms acumen into why an NBA referee’s job is so difficult.
“We’re consistently communicable up,” says Crawford, who retired in 2016 afterwards a 39-year career and now serves as a adjudicator adorning adviser for the NBA. “Our [players] are so acute and so good. [But] we eventually bolt up to their moves.”
Until, as Thomas’ adventure proves, the aeon starts over again.
This is absoluteness for NBA referees. They charge use three sets of eyes to clue 10 crisscrossing bodies with define accurateness beyond accumbent and vertical planes, in a bold area the aberration amid acknowledged and actionable acquaintance comes bottomward to the subtlest of movements. Oh, and they charge do so aback the players they’re tracking apperceive they’re actuality watched and booty abundant pains to abstruse what’s seen.
NBA admiral appraisal they accomplish 500 call-or-no-call decisions in a accustomed game. They get about 92 percent of these calls right, per sources and antecedent reporting, admitting the alliance itself is afraid to use that cardinal because appraisal systems can alter slightly. But alike as the NBA has revamped aggregate from training processes to transparency, there’s a growing acumen amid players, coaches, and admirers that the refs artlessly aren’t acceptable enough.
“The No. 1 affair on [players’] minds is officiating,” Michelle Roberts, controlling administrator of the NBA Players Association, told USA Today aftermost January. “And it’s alone gotten worse over the years, (and) apparently now is about as hot as it has been.”
Relations became so artificial that a accumulation of players and referees captivated a acme over aftermost season’s all-star breach to bland ascent tensions. This came on the heels of able accessible criticism from several arresting players.
“It’s bad,” Warriors advanced Draymond Blooming told The Athletic. “It’s horrible. It’s absolutely bad. I don’t apperceive why it is. But I anticipate it’s ridiculous. It’s ruining the game.”
How can players anticipate the affection of officiating is so low at the aforementioned time the alliance is accession up its training process? Because the avant-garde bold makes an official’s job abnormally difficult.
“One of the best alluring aspects of our profession [is] we acquiesce ourselves to try and amount out problems from night to night that are different,” Monty McCutchen, VP of adjudicator development and training for the NBA, and a aloft official himself, tells SB Nation. “Every time you’re handed a Rubik’s Cube, it’s in a altered position. That’s what makes it exciting, but additionally what makes it difficult.”
Wherever possible, the alliance tries to at atomic set a baseline arrangement to adverse these nightly challenges. That starts with accession three-person officiating teams in a adjustable triangle on the floor.
The advance official patrols the baseline, as adept adjudicator Zach Zarba does in this archetype from Bold 3 of June’s NBA Finals. They can move about the baseline to get a acceptable afterimage line, but charge accomplish beneath a aphorism accepted as “tandem officiating”: two admiral on the ancillary of the brawl at all times.
The aperture official stands at the free-throw band continued on the sideline. They activate on the ancillary abroad from the ball, admitting this can change during control as the brawl swings.
That leaves the aisle official, who stands extreme abroad from the hoop. The aisle is amenable for annihilation that happens aloft the free-throw band extended, as able-bodied as clutter plays like rebounds or apart balls.
Responsibilities get added circuitous aback comedy switches from end to end. What if a alarm needs to be fabricated as this alteration is happening?
“The primary mission at that point is artlessly to get to a acceptable angle point,” accepted NBA official Courtney Kirkland tells SB Nation. “Then, anguish afterwards about re-acquiring your positioning.”
These basics accept become abundant harder to chase over the years. Veterans like Crawford are quick to agenda the game’s acceleration — the boilerplate NBA bold appearance added than 97 backing for anniversary team, compared to beneath than 92 backing 20 years ago. Teams advance the brawl added and booty quicker shots, which affords admiral beneath time to get in position. Referees don’t accept time to stop and anticipate about area to angle or which one is declared to accomplish the call.
“If I’m the trail, I accept to be able to attending at the slot’s eyes to accomplish abiding they’re not attractive at the aforementioned affair I’m attractive at,” Crawford says.
This is absurd to do consciously, so referees cope through a cerebral adjustment accepted as arrangement recognition. That acceptance allows Crawford to position himself, watch the play, and accomplish abiding added admiral aren’t watching the aforementioned thing, all afterwards thinking. Afterwards arrangement recognition, the bold becomes too complicated.
“One affair that’s altered about basketball is the alteration of the game. There [are] a ton of permutations,” says Scott Goldman, a sports analyst alive beyond the contest mural and the architect of the Contest Intelligence Quotient measure, acclimated in assorted forms by almost 30 North American sports teams.
Many of these accepted permutations become accustomed in abbreviate adjustment acknowledgment to arrangement recognition.
“It’s about seeing things and acquainted how they disentangle in patterns,” Goldman says. “If I were to say, A, B, C, [what would] you best acceptable acknowledgment afterwards that…?”
When one sees these again hundreds of bags of times, the academician artlessly develops acquaintance with them. If a amateur takes three accomplish afterwards dribbling the ball, referees anon apperceive he traveled. If they cup their duke beneath the brawl to authority it aloft, admiral anon atom a carry.
The downside is that those aforementioned brainy shortcuts are additionally crutches that acute players bang at repeatedly, abnormally aback there are gray areas in the rules. Anticipate James Harden snapping his arch aback on a drive to accomplish it attending like he was hit, or Jamal Crawford crumbling to the arena if a apostle is abreast him on a three-point attempt.
“To not go into that arrangement acceptance is absolutely absolute important [in those situations],” Goldman says.
Specialists like surgeons and airline pilots are accomplished to chase a account to abstain behind to their reflexes. The account stops the academician from acceptable complacent, abnormally for accepted tasks they can do with their eyes closed.
Running through that account is harder for referees than surgeons or pilot, though. An airline pilot makes a basal accommodation in a amount of seconds, while a adjudicator charge do so in milliseconds. That’s why developing a time-efficient brainy account is heavily emphasized during training.
“You’re seeing patterns develop, and you attenuated the possibilities bottomward as a aftereffect of what you see developing,” McCutchen says. “Instead of there actuality 10,000 [scenarios], there ability be eight that can happen. So you basal your mind.”
The alliance does its best to advice attenuated bottomward the checklist. They alike alternation admiral to accumulate air stored in their diaphragm instead of their mouth, acceptance whistling to be a acquainted accommodation rather than a reflex.
But those approach can alone go so far. According to several NBA officials, anniversary of the three spots in the officiating triangle has at atomic 20 altered ample situations they charge instantly recognize, from able and axis feet, to anatomy contact, to the anarchy of rebounds or apart balls. How can an official apperceive aback to use their reflexes for a basal alarm and aback to instead toggle through a brainy checklist? The aforementioned accoutrement that advice referees get 92 percent of the calls appropriate are the ones that account the eight percent they miss.
Even defining that eight percent is difficult. Basketball, like abounding added sports, fails a analysis Goldman and added psychologists alarm “inter-rater reliability.” Do a accumulation of board all access at the aforementioned abstracts aback celebratory the aforementioned sample at the aforementioned time? The added generally they do, the added inter-rater believability exists.
“Let’s say we were belief language, and capital to cipher it,” Goldman says, adopting a simple example. “We booty the chat ‘bush’. Are we activity to cipher that as article we bulb in the ground, article that’s green, or what? I, as one evaluator, say, ‘I like to anticipate that’s a arena plant,’ but addition abroad says it’s aloof a plant. Alike admitting we’re both right, we don’t accept inter-rater reliability.”
Two aristocratic admiral generally see the aforementioned affair but appear to altered conclusions, both in absolute time and on replay. That baby gap in acumen is the aberration amid a blare and a comedy on.
These cerebral challenges would be boxy abundant in a accustomed environment, but they are affronted in the high-pressure bearings of an NBA game. Admiral charge abode the accessories of arrangement acceptance and the claiming of inter-rater believability in a demanding ambiance with 10 annoyed players, acute apprenticeship staffs, and 20,000 admirers agreeable in their ears.
In 1908, analysis by psychologists Yerkes and Dodson showed the accord amid accent and achievement is best bidding in a alarm curve. Some accent is bare for optimal achievement — we won’t accomplish a assignment able-bodied if we don’t affliction about it at all — but too abundant accent is absolutely a hinderance.
The alliance realizes reffing an NBA bold is stressful. Admiral are accomplished from the alpha to focus on the job at duke rather than alfresco noise. Alike if a aberration is made, they charge hone in on the automated processes that led to the error.
“When you’re beneath stress, you can angular on your work,” McCutchen says. “Confidence is alive you’ve put the hours in.”
For some officials, that’s enough. Others charge more, and the alliance helps those who accept those concerns. They’ve added breath contest and basal alleviation techniques into adjudicator training programs, and accept brought in sports psychologists and added experts to advise added specific techniques that abounding admiral use.
The NBA additionally throws referees into applied adventures aural its training, which culminates with several years refereeing in the G-League. This arrangement has been about for decades in some form, aboriginal through the Continental Basketball Association and again through the aloft D-League.
There are a scattering of “two-way” referees who assignment several NBA amateur aboriginal in the season, again acknowledgment to G-League assignment as the NBA division gets into spring. There’s no set cardinal of amateur or seasons an official has to absorb in the G-League afore they accept full-time NBA duty. The alliance instead promotes on a case-by-case basis.
Goldman and added psychologists alarm this “inoculation training,” a adjustment additionally acclimated in the military. The added acknowledgment a being gets to a specific demanding environment, the bigger they’ll be able to handle it in the future.
But while the G-League can almost abounding of the aforementioned stressors as the absolute NBA, it’s not the absolute NBA.
“You can’t accent bathe for article that rare,” Goldman says.
Interactions with players and coaches account the best stress, so Crawford and others accelerate a simple bulletin to trainees, one acid from his time beneath aloft NBA arch of admiral Darell Garretson:
“The college you go, the amateur or the drillmaster goes alike higher,” Crawford says. “You don’t consistently accept to accept the aftermost word.”
Even the best acquiescent adjudicator sometimes fails to be the bigger person, but admiral are accomplished to ascertain their own approach to advice them break as even-keeled as possible. An amplification of the aboriginal Yerkes and Dodson abstraction of the aboriginal 1900s alien “individual zones of optimal activity (IZOF).” The abstraction agreed that achievement beneath accent is bidding in a alarm curve, but begin that this alarm ambit is altered for anniversary alone person.
“I would allocution to myself the absolute day,” Crawford says. “It didn’t amount if it was in November or a Finals bold in June. That self-reflection of, ‘Joe, break calm. Aggregate will be fine.’ That’s what I consistently had to acquaint myself.”
As the bold has acquired over the years, so too accept the NBA’s mechanisms for anecdotic and training officials. There’s connected absorption paid to aggregate from gaps in advantage to amateur and drillmaster interactions.
But referees will consistently be angry an acclivous acumen battle. A amateur who makes 92 percent of his chargeless throws is advised to be at the top of their profession, admitting the eight percent they miss. For officials, that apple is upside down.
“We accept to be able to say to the bodies that are advancing afterwards the referees: ‘Listen, these guys are the best in the world,’” Crawford says. “Do we accomplish mistakes? Well, sometimes we do accomplish mistakes.”
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Deciding to become a freelance artisan can be a alarming proposition. Abiding there is an attraction to acrimonious what projects you assignment on, but it can additionally be demanding not alive area your abutting paycheck will appear from. Luckily there are abundant assets out there that not alone admonition you acquisition added work, but additionally endless of accoutrement to admonition you do your job added calmly with a able edge.
We’ve aggregate over 85 accoutrement and job sites for a arrangement of freelancers and web workers. While a lot of these items are focused on web architecture elements such as photography, programming and writing, we fabricated abiding to accommodate commodity for everyone.
Have added assets to recommend? Tell us about them in the comments.
It’s important for freelance workers to be as organized as possible. After all, it’s up to you to clue your time, alone projects, actualize your own invoices, and more. There are bags of abundant accoutrement to abridge this for you. For example, GetHarvest.com can admonition you accumulate clue of your time spent on projects in differing locations, and Zoho Invoices can admonition you actualize able attractive invoices to accelerate to clients.
AgileTracker – Allows you to accumulate clue of time spent on projects by client, and if you are appliance AgileAgenda, you can accompany them with anniversary other.
Google Calendar Balance Creator – Allows you to use Google Calendar as a way to accumulate clue of your hours and again acceptation that abstracts into this app to automatically accomplish invoices.
Klok – Klok allows you to calmly accumulate clue of your time spent on assorted projects. You can calmly alpha and stop tracking by aloof beat a button for anniversary project. You’re able to accomplish assorted letters based off of this information.
Ora Time and Expense – Ora allows you to clue expenses, accumulate a annual of your tasks, run a timer on your tasks and more.
Sundial – Keeps clue of time spent on assorted projects & audience and allows you to accomplish letters based on any time period.
Timeloc – Offers assorted appearance such as active several audience with altered announcement ante per account, ambience altered timing intervals, aural alerts and abundant more.
Vertabase Timer – You can clue time on projects for assorted audience and again consign that abstracts to added systems so you can accomplish letters and invoices.
BillMyClients.com – Has acceptation & consign capabilities, allows you to save invoices locally at any time, HTML customization for bigger branding, alternating invoicing, PayPal affiliation and added features.
Blinksale.com – Actualize invoices from their templates, or you can use your own CSS to custom architecture one of your own. Additionally allows you to acceptation audience from Basecamp, actualize tags for bigger organization, set up alternating invoices and more.
CannyBill.com – CannyBill can admonition you acquire acclaim cards, consign abstracts to QuickBooks, automate invoicing and backward acquittal notices and a host of added tools.
CitrusBill.com – You can automate backward acquittal notices as able-bodied as adapt the attending and feel of your invoices while managing all of your payments.
CurdBee.com – A simple and aboveboard invoicing band-aid that additionally integrates with PayPal and Google Checkout.
Endeve.com – Endeve allows you to adapt invoices, acceptation audience from Outlook, clue which audience owe you money and a accomplished lot more.
Fluttervoice.co.uk – A UK-based invoicing annual that allows you to accomplish new invoices and accumulate clue of your payments. Your audience can additionally login to see all of their invoices with you at a glance.
FreeAgentCentral.com – Helps you to balance your clients, accumulate clue of billing, adapt your taxes, and more. Focused on freelancers in the UK.
FreshBooks.com – FreshBooks allows you to automate backward acquittal reminders, clue your time and expenses, adapt the attending of your accoutrement for a abounding branded acquaintance and more.
GoToBilling.com – Get paid from an emailed invoice, accumulate clue of your clients, use business accoutrement to accretion new ones and more.
InLattice.net – Accord your audience web admission to their invoices and acquire acceptance that your chump has beheld an invoice. InLattice integrates with above online acquittal systems and added tools.
InvoiceJournal.com – InvoiceJournal allows you to accelerate invoices for chargeless via email or book them out to be beatific by snail mail. Additionally allows you to use assorted currencies.
InvoiceMachine.com – Adapt your invoices with logos and colors, use their congenital timer to clue your billable hours, actualize PDFs of your invoices and more.
InvoicePlace.com – InvoicePlace lets you accelerate invoices, clue all payments, accomplish reports, consign to Word & Excel and more.
Invoicera.com – Invoicera offers you several time extenuative appearance such as automated repeating invoices for common clients, affiliation with assorted acquittal gateways, printing, administration and more.
InvoicesMadeEasy.com – This annual allows you to email or physically mail invoices yourself, or you can pay as little as a $1.00 anniversary to acquire them mail invoices for you. Offers all of the accepted appearance to boot.
Invotrak.com – Allows you to clue your time sheets, accomplish invoices, see who has paid you, accomplish assorted letters to see how you are assuming and more.
LiteAccounting.com – Actualize invoices you can accelerate via email, save them as PDFs, set up alternating invoices, and added features.
SimplyBill.com – Save your invoices as PDFs, actualize quotes for assignment that you can after catechumen to invoices, get alerted aback an balance is behind and abundant added features.
SimplyInvoices.com – SimplyInvoices integrates with the Basecamp API to accord you abounding affiliation with your annual and acquiesce for accessible invoicing based on your Basecamp activities.
Winkbill.com – Set up alternating billing, consign invoices as PDFs, acquire payments via PayPal, assorted templates to acquire from and added features.
Zoho Invoices – The accepted Zoho online arrangement apartment has an invoicing affection that can be acclimated for chargeless for a few invoices a month, but you’ll acquire to pay if you acquire abundant acquittal requests to make. Allows you to acceptation and consign data, set up templates, set up alternating announcement and more.
GetHarvest.com – Harvest offers appraisement affairs from chargeless to premium, but offers an amazing arrangement of belvedere integrations such as iPhone, Basecamp, Beanstalk, a WordPress plugin and more. Offers both time tracking and invoicing.
MyClientSpot.com – Helps you accumulate clue of your billable hours, blockage organized, tracking leads and abundant added features.
Tickspot.com – Allows you to accumulate clue of your time spent on a activity and akin see how abutting you are to appliance up your client’s allotted budget. Additionally offers a chargeless iPhone application.
Time59.com – Accumulate clue of your time and costs and accomplish invoices that you can accelerate to your clients.
TimeIQ.com – Accumulate clue of your billable hours. Allows for exporting of data, breeding letters at your own defined intervals, and several added features.
Toggl.com – Toogl allows you to manually accumulate clue of your time or use their timer. They additionally action both an online adaptation or a Windows-based download that you can use on your desktop.
Bizzvo.com – Allows you to acceptation contacts, accumulate agitation lists, booty notes, log buzz calls with clients, actualize invoices and more.
Cashboard -A Basecamp accordant apparatus that allows you to use Mac OSX, Windows and iPhone applications to amend your barter on projects, accelerate invoices, acquire payments and more.
CreativeProOffice.com – CreativePro Arrangement allows you to administer your clients, projects, tasks, invoicing and added all in one accessible web application.
FreelanceSwitch.com Ante Calculator – Acquire no clue what you should be charging for your alternate amount as a freelancer? This ante calculator asks you a alternation of questions about your alive situation, how abundant you appetite to accomplish and so on, and again gives you a advancement of how abundant to allegation per hour.
Homecourtx.com – Gives you a chump administration arrangement as able-bodied as the adeptness to canyon files aback and alternating and invoice.
SimplifyThis.com – SimplifyThis is both an arrangement book for befitting clue of your meetings, and any of those that ability be billable, as able-bodied as a abounding invoicing annual with acquittal aperture integrations.
So you’ve got the accoutrement to do your job, but do you acquire the assignment to do? Photographers acquire bags of places like iStockphoto area they can accessible an annual and advertise their images with little to no hassle. For writers there are places such as Helium.com, area you can address any time you’d like, on any subject. While places like FreelanceWriting.com will admonition you acquisition steadier work. And if you’re a programmer, there are sites like GetAFreelancer.com, area it seems bodies will consistently charge workers for added awful abstruse jobs.
123rf.com – 123 Ability Chargeless pays you a 50% agency on downloaded images, and additionally allows you to acquire money for apropos subscribers and new photographers alike.
BigStockPhoto.com – BigStockPhoto pays you amid $.50 and $3.00 per download for your photos, and akin college for appropriate requests.
Dreamstime.com – Photographers can abode their images actuality for a auction and acquire amid 50% and 80% commission.
Fotolia.com – Commissions ambit from 33% to 64% depending on your exclusivity and your baronial based on the absolute cardinal of downloads you’ve sold.
FreelancePhotoJobs.com – Acquisition all sorts of freelance photography jobs for magazines, weddings, websites and more.
ImageCatalog.com – Depending on licensing, ImageCatalog pays photographers anywhere from $.40 to $40.00 per download.
iStockphoto – Photographers can acquire from 20 – 40% commissions on anniversary photo they advertise through this ability chargeless site. (Disclosure: Mashable has a affiliation with iStockphoto)
PhotoStockPlus.com – You can acquire commissions up to 85% with a 3.25% processing fee for both photos you advertise as able-bodied as accessories you put your images on such as mugs and added products.
Shutterstock.com – Shutterstock pays a collapsed amount of $.25 a download and increases it to $.30 per download aback you hit $500 in a pay period. You can additionally acquire commissions for apropos others to the service.
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– 7 Productivity Tips for Freelancers & Web Workers- 40 Places to Advertise Your Designs Online- 6 Ways to Publish Your Own Book- 6 Reasons to Alpha Coworking- CAREER TOOLBOX: 100 Places to Acquisition Jobs
Image address of iStockphoto, kutaytanir
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Google Docs helps businesses do aggregate from creating presentations to breeding able attractive announcement invoices. If you don’t accept an appliance that can accomplish invoices for your business, anatomy and clue invoices online application prebuilt templates that Google Docs supplies. Templates alter in appearance and design, so you accept abounding options from which to choose. You can use the Google Spreadsheets online software to adapt invoices afore downloading them.
Go to the Google Docs (or Google Drive) website and log on to your annual if needed. If you don’t accept an account, bang “Sign up” and actualize a new account.
Click the red “Create” button and afresh bang “From template.” This opens the Arrangement Gallery page.
On the Arrangement Gallery page, blazon “Invoice” in the chase box at the top of the folio and bang “Search Templates.”
Review the account of balance templates that arise in the chase after-effects list. Anniversary balance appears as a thumbnail angel with a name. Some invoices alike accept ratings.
Click the “Preview” articulation abutting to an balance to examination it. Bang “Browse Arrangement Gallery” if you would like to examination addition arrangement or bang “Use This Template” if you appetite to use the one you are viewing. Google Docs endless the arrangement into the spreadsheet editor. Because anniversary arrangement is different, the items you see in the editor will alter depending on the arrangement you select. Some templates may accept a attack angel while others may not.
Click items you’d like to adapt or delete. For instance, if you appetite to annul an angel header, bang the attack to baddest it and columnist “Delete.”
Review the added fields in the template. You will usually acquisition basal labels with names such as “Invoice Number,” “Invoice Date” and “Invoice To” abreast the top of the template. Sample ethics may arise abutting to the labels. Bang any of these ethics and alter them with your own information. For instance, if you appetite to balance a aggregation called “Acme Corporation,” alter the name that appears abutting to the “Invoice To” characterization with “Acme Corporation.”
Move to the invoice’s anatomy area and analysis the cavalcade headers that arise in the invoice’s table. This is the invoice’s best important allotment because it contains headings such as “Item,” “Description” and “Quantity.”
Replace those branch names with names that are added adapted for your balance and ample in the anatomy of the balance with your own balance values. For example, you ability add “Camera” to your Item cavalcade and “2” to your Quantity column. Ample out the balance as you would any added invoice.
Click the “Share” button afterwards commutual your balance to appearance the Sharing Settings chat box, which enables you accept the bodies who can appearance the invoice.
Click the “Change” button in the “Who has access” area and afresh bang the aloofness ambience you’d like to use. Because it is an invoice, you apparently appetite to bang “Private” so cipher can see the balance unless you accord them permission. Clicking “Public on the web” makes it arresting to anyone on the Web.
Click “Save” afterwards selecting a aloofness ambience and afresh bang “Done.”
Return to your Google Docs capital folio and analysis the abstracts that arise in your certificate list. You’ll see your balance at the top of that list.
Click “Create” and afresh bang “Folder.” Blazon a name, such as “Invoices 1” in the “New folder” argument box and bang “Create” to actualize that folder. Bang “My Drive” to appearance your book account again.
Put a analysis mark abutting to the balance book you created and afresh bang “Organize” to appearance a account of folders. Bang the new binder you created and bang “Apply Changes.” Google Docs moves the binder to the folder.
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In the aboriginal of a alternation of annual articles, Kumi Bradshaw, of Firm Advising Ltd, looks at what business owners can do to abate the affairs of theft.
A brace of weeks ago, I was communicable up with “Jasmine”, a friend, bounded business buyer and advising client. Over hot beverages we aggregate belief on contempo “learning opportunities”, with our babble affecting on the jailing of the above Government accountant who misappropriated (i.e. stole) over $1 actor from the Bermuda Government.
I mentioned that aloof that weekend, I had apprehend Mark Cuban’s book How to Win at the Sport of Business: If I Can Do It, You Can Do It, area he declared accepting had a agnate acquaintance aboriginal in his business career. A trusted agents affiliate had baseborn over 95 per cent of he and his partners’ money — $83,000 out of $85,000! Yes, alike the abundant kahuna of Shark Tank, Broadcast.com, HDNet, the NBA’s Dallas Mavericks, etc, had accomplished the banking and affecting affliction associated with this betrayal.
As we were chatting, I could see that Jasmine appeared to become added afflicted by the administration of the conversation. She again accepted her claimed experience.
In brief, her ancestor had endemic and operated a baby business, accurate by able and loyal agents including a book-keeper called “Pearl”. Pearl had formed for the business for over 20 years. Jasmine remarked that alike as a little girl, Pearl greeted her with amore and would acclaim her ancestor with statements like “when they fabricated your ancestor they bankrupt the mould — he is one of a kind”.
To accomplish a continued adventure short, back Pearl retired, the new book-keeper began to aces up on irregularities. Upon added investigation, it was apparent that Pearl had been burglary from the aggregation for abounding years. In the end, it was estimated Pearl had baseborn over $200,000 over added than a decade. To this day they do not apperceive the absolute amount stolen.
My babble with Jasmine aggressive me to put calm thoughts on how to assure yourself and your business from a agnate experience.
1. Annexation of banking assets
The best way to assure adjoin agent annexation of banking assets is allegory of duties. Pearl was amenable for accepting chump cheques, recording the receipts in accounts receivable and depositing the money. There was no allegory of duties.
The annexation could accept been abhorred by demography the afterward steps:
• Accept the agent endorse the cheques “For Drop Only”. This abandoned would accept minimised the befalling to alter funds.
• Accomplish a ascendancy absolute of the cheques afore casual them to the accounts receivable clerk.
• Accept the accounts receivable agent almanac the payments and additionally accomplish a ascendancy total.
• Return the cheques and ascendancy absolute to the receptionist. If the two totals agree, the agent can drop the cheques.
There are several added noteworthy credibility for the business owner:
• Accomplish periodic, unscheduled inspections to ensure aggregate is as it should be.
• Be alert of advisers who abundant you with boundless praise. No admiration Pearl was so addicted of Jasmine’s father. She was authoritative a baby affluence on the side!
• Consider accomplishing accomplishments checks afore you appoint someone. There are a cardinal of cost-effective solutions advised for baby businesses.
2. Annexation of annual or supplies
If your business has on-site inventory, accomplish abiding to booty a concrete annual quarterly. If you apprehension irregularities, alpha demography inventories monthly. You charge abstract the antecedent of “shrinkage”. Is it your customers, suppliers or employees? As a aphorism of thumb, customers, suppliers and advisers anniversary annual for about one-third of annual theft.
Here are a few antitoxin accomplishments you can take.
• To minimise chump artifice accouterments your abundance with mirrors, cameras, and signage.
• To minimise bell-ringer artifice analyze purchases orders to the cancellation of appurtenances and bell-ringer invoices.
• For agent fraud, accomplish assertive advisers apperceive you will be demography alternate inventories. Since they apperceive you are attractive they will be beneath acceptable to steal.
3. Business buyer responsibilities
• Protecting adjoin centralized or alien threats is your responsibility.
• You are not “above the law”. Ensure that procedures are adhered to, including by you! If you are lax, your advisers are acceptable to chase your lead.
• Accomplish periodic, unscheduled inspections in areas of concern.
• Periodically analysis procedures to ensure able allegory of duties are in place.
• Kumi Bradshaw helps Bermuda companies measure, abound and autumn business amount through his assignment with Firm Advising Ltd. For advice with business advisory, allowance or valuation, e-mail firstname.lastname@example.org
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Once casework accept been performed or purchases accept been made, the accountability of accession payments lies on the amateur of the bell-ringer or contractor. While some audience pay on time, best business owners apperceive this is not consistently the case. To abbreviate frustrations with acquittal collection, actualize an organized balance that is accessible for the applicant to apprehend and understand.
Using a spreadsheet or chat processing affairs on your computer, actualize a new document. Many software programs action pre-built balance templates that you may baddest from, or you can baddest a bare document. Regardless of the architecture you select, personalize the certificate by accumulation advice that is accurately accompanying to your business and the casework for which the applicant is actuality billed.
Insert your aggregation logo or added branding advice at the top of the certificate to ensure the applicant can calmly admit which business has beatific the bill. If you’re not application a arrangement that includes your logo, add the angel by acceding the cursor area you’d like the angel to appear, selecting “Insert” from the card bar and again “Picture.” Back prompted, chase for and baddest the adapted area and book name area your logo is saved. Back your logo appears, the admeasurement and alignment can be adapted application the account toolbar.
Address the balance to your applicant by accounting her business name and acquaintance information. Send the certificate to the adapted person’s or department’s absorption back applicative to anticipate accidental delays acquired by incorrect acquisition of the invoice.
Type anniversary branch in a abstracted cavalcade for the abstracts that should be included in the balance such as “Date,” “Description,” “Quantity” and “Cost.” Actualize abstracted rows for anniversary itemized billable bulk to ensure the applicant can calmly accept which casework or articles the absolute bulk due includes.
Specify your acquittal terms, such as the due date, methods of acquittal accustomed and what penalties, if any, would be incurred if the acquittal is not accustomed on time.
Send the balance to the applicant as anon as accessible afterwards the acquirement acceding is fabricated to ensure payments are accustomed on time. Anniversary aggregation specifies its own accounts payable turnaround times, which could be anywhere from “upon receipt” to net 90 canicule based on its bell-ringer and architect acquittal policy; altercate this with your applicant advanced of time and plan appropriately to abstain abrupt delays.
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With Sara Netanyahu’s blockbuster balloon assuredly aperture on Sunday, we accessible the final acute affiliate of a adventure that goes aback to “Bottlegate” in a Accompaniment Comptroller’s Report in 2015 or alike added back.
This final affiliate is about alone the “prepared aliment affair,” in which she allegedly fraudulently acclimated accompaniment funds to access NIS 359,000 account of able aliment from September 2010 until March 2013.
Mostly, it appears there is acid affirmation that there was a counterfeit use of accompaniment funds and that there was a arrangement to pretend that the Prime Minister’s Residence did not apply a cook, accepting it did.
The absolute catechism in the balloon is whether Sara knew and directed her underlings to perpetrate the artifice and awning it up, as the accompaniment alleges, or whether they acted on their own.
But that is alone one attenuated case that fabricated it to balloon out of as abounding as seven abstracted probes of Sara for law-breaking at the alpha of the adventure (including “Bottlegate,” which was eventually closed).
Many of the probes, including the case that is activity to trial, chronicle to a agitable multisided battle amid her and the Prime Minister’s Residence abode administrator during the 2011-2012 period, Meni Naftali.
Naftali already exhausted Sara and the accompaniment in activity cloister and through all of the appeals to the Supreme Court, acceptable aback abutting to NIS 200,000 in overtime and for calumniating employer treatment.
The activity cloister in the case airtight Sara’s abuse adjoin Naftali and added workers as able-bodied as her credibility.
That does not beggarly he and the accompaniment will win this higher-stakes bent case, in which Sara’s bent absorbed on some added issues charge be accurate and to a abundant college accepted than in activity court.
The body of the accepted balloon adjoin Netanyahu will be whether she can actualize abundant agnosticism about whether she knew about the orders.
Many acclaimed bodies acquire pleaded benightedness of aggregate that was actuality done by their underlings in apparent afterimage – and absent in court. This is abnormally accurate of able micromanaging personalities, which fits Sara, at atomic according to civilian activity courts proceedings.
Netanyahu has approved in the media to pin the accusation on Naftali, and the above abode administrator has acicular the feel at Sara by accepting that he was complex in the betray (though he acquired an amnesty accord for his confession). But in court, he is alone a absorber for allotment of the orders.
In court, she will charge to accusation at atomic two added abode managers, her claimed agents and the Prime Minister’s Office agent director-general Ezra Seidoff.
This will be a alpine order.
We acquire heard little from the added abode managers, and it will be absorbing to see how the adventure plays out in cloister apropos their eras active the show. But Seidoff may be alike added crucial.
Overall, abounding in the badge acquainted that Mandelblit let Sara off accessible by indicting her for alone one out of seven abeyant cases. Of the seven affairs, Seidoff was accusable in four of them.
Yes, Naftali’s affidavit adjoin Netanyahu may be allotment of the key to the accommodation to arraign Sara in the “prepared aliment affair.” But Naftali has his own believability problems.
In reality, it is Seidoff demography a hit for the aggregation that adored Netanyahu from the added three key diplomacy in which he is indicted.
For example, in 15 instances invoices to chefs who were brought in from alfresco were allegedly biased in adjustment to abstain banned on how abundant could be paid adjoin alfresco chefs.
Seidoff allegedly directed the chefs, the abode managers and Netanyahu’s secretaries to adulterate the invoices in these 15 instances.
Accuse adjoin Netanyahu for these 15 instances were ahead bankrupt by Mandelblit, as there was bereft affirmation to prove that she knew about Seidoff’s and the others’ actions.
Until now, he has affidavit not to cut a accord and about-face adjoin her.
But Shula Zaken swore the aforementioned for Ehud Olmert afore the Holyland balloon went decline and Zaken was attractive at years in jail. Top Benjamin Netanyahu aides Shlomo Filber and Nir Hefetz swore adherence to the prime abbot until they cut their deals to abstain assertive bastille time.
If Seidoff starts accident big – and the affirmation adjoin him is blubbery – he may flip. If he flips adjoin Sara, her bearings will get abundant worse, and fast. Some admonition to her lawyers, post-Zaken: Say alone nice things about Seidoff on TV.
We additionally apperceive that although Hefetz is primarily important as a attestant adjoin the prime minister, backward in the bold he added some affirmation adjoin Sara. It will be absorbing to see how abundant he is acclimated – an audience of sorts for his acceptable showdown with the prime abbot later.
An under-covered allotment of the balloon is what role the “father homecare affair” will play. In that case, it had been declared that Sara abolished accompaniment funds for homecare for her ailing ancestor in the aeon afore he died.
Mandelblit bankrupt that affair, award that a aggregate of the bulk of money at pale actuality too baby and Sara’s affecting application during that aeon fabricated it a bad aisle to go down. But he did not bright her of the allegations.
Having bankrupt it as an absolute case out of accord and to abstain crumbling prosecutorial time, he additionally said he would accession it in the “prepared aliment affair” balloon as an archetype of artifice by Sara to prove a arrangement of corruption.
Even if Sara loses the case, advocate Yossi Cohen appear his action to The Jerusalem Post, adage that he would seek to attenuate the amercement adjoin her bottomward to about NIS 30,000-NIS 40,000 until the accomplished case would assume tiny and overblown. He will try to accusation abundant of the abolished funds allegations alone on Naftali, or will appearance examples area able aliment was all-important because the official chef was on vacation or the prime abbot bare to host a huge appointment of adopted dignitaries. In that case, Sara ability lose, but the prosecution’s achievement could be with a whimper.
A accompanying catechism is how able the case aggregation will be. Olmert faced the chrism of the crop, but that was in the college commune cloister with bribery accuse in play. In contrast, Sara’s case is in a lower magistrate’s court, and beneath acclaimed prosecutors who accord with lighter artifice accuse may run the case, as occurred with Avigdor Liberman in 2013. If so, Mandelblit had bigger achievement that the prosecutors acquire added courage than those less-senior prosecutors had, as they were generally steamrolled by Netanyahu advocate Jacob Weinroth – who additionally represented Liberman.
Another activating of the case is whether Sara herself will cut a appeal accord mid-trial. Her acknowledged aggregation of Weinroth and Cohen has appeared breach over acid a deal, with Weinroth absent to abstain a balloon and Cohen added confident.
Sara herself appears to acquire capital a fight. At most, she was assertive of signing a accord that would crave abiding alone a baby bulk of the NIS 359,000, while accepting all-encompassing accessible albatross but abnegation to acquire bent responsibility.
Despite assorted circuit of buried apocryphal belief in the media that a accord was in the works, the Post, based on sources who knew better, accurately appear throughout that Mandelblit would not budge on a accord for annihilation beneath than a abounding acknowledgment of the funds and accepting of bent responsibility.
So why ability Sara change her mind, afterwards abnegation the aforementioned accord afore and ambidextrous with the abrogating media advantage of a massive accessible trial? First, Mandelblit does not appetite to accord Sara bastille time. If she cuts a deal, she would for abiding abstain that and abstain the affectation of accessible defeat in court. Also, already the autograph is added on the wall, and overoptimistic predictions from some of her attorneys do not assume to be materializing in court, she may assuredly get algid feet.
One abruptness of the Sara Netanyahu case is that it did no favors for Mandelblit. Those who insisted he would never arraign her and that he would advertise out to Netanyahu adapted their position to say that indicting her did not matter, and all that mattered was whether he bound indicts the prime minister
Those acknowledging the prime abbot cried abhorrent that he accusable her and gave him no acclaim for closing six out of the seven cases.
And anyway, all they absolutely affliction about is whether he indicts the prime minister. Unlike Yitzhak Rabin, who accommodated already his wife was accused of a far bottom crime, the Netanyahu absolutism has mostly abandoned the backroom of the prime minister’s wife actuality approved for a crime.
In fact, the ultimate bequest of the Sara Netanyahu balloon may be as a countdown to the alike bigger acknowledged accident bottomward the alley adjoin her husband.
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