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Friday, August 21, 2020

Bill.com

Bill.com INTRODUCTIONMartin: Hi, today we are in the Bill.com office in Palo Alto with Rene. RenÃ©, who are you and what do you do?RenÃ©: Hi, well my names RenÃ© Lacerte, Im the founder and CEO of Bill.com. Prior this I started a company called PayCycle, which did online payroll for small businesses. We grew that to about 100.000 businesses and sold that to Intuit. Im a fourth generation entrepreneur, learned from dad and granddad that cash is king, you got to stretch out the payables and pull the receivables. And the way I came up with Bill.com, which I havent told you yet what we do, is that I was trying to do exactly what dad and grand dad taught me when I was running PayCycle, and there were no tools to help me do it, so we help businesses automate their payables, automate their receivables, and ultimately we give them freedom, so they can actually focus on the real things that are important for their business. So, by automating the payables and receivables, and all the workflow around it , all the payments and all the transactions, syncing that with all the applications that they work with, it removes the tremendous burden from them and really helps them grow their business. So, we hear that all the time.Martin: What did your dad teach you?RenÃ©: Dad taught me so many things. At the core of dad was, he just, he never gave up. My dad just, he was born with a disability, he had four fingers on his left hand and two on his right, and he, nobody teach him to play the piano, so he thought himself. And there are all sorts of examples like that were, he was a fabulous musician, he was playing trumpet when he was a kid, and he moved to piano. And one year, in 1977, Chuck Mangione came out with a song called Feels so good and he heard it on the radio, and he just went out, and he brought over it, he was playing it the next day, and the sound was just as good as Chuck. But, if you apply that personal stuff, thats the way he was at work. He just never gave up, like he was pers istent. If he was passionate about something, if he really believed in it, he was just persistent and just focused and he just delivered, he just really focused at. When you care about something it is worth fighting for. And you dont listen to the detractors, you just kind of focus on what you know youre capable of and you just do it. So, thats probably the most important lesson that Ive learned. Ive learned lots of tactile things about how important it is to manage your cash flow and how important it is to have, obviously, good benefits for your employees. But all that stuff, really, at the core, building a product and starting a company, you just got to persevere and actually focus and get it done.Martin: Great. Remembers me of the book Poor dad, rich dad. How did you come up of idea of Bill.com?RenÃ©: With Bill.com, I was running the day-to-day at PayCycle, I had been a product manager at Intuit where it actually worked on consumer bill payment for Intuit, and I was finding that all the paperwork that was coming, we got a check run every Friday, I just couldnt manage it. It was, I was unhappy, I was angry, I was kind of frustrated that all this paper stuff came to my desk and yet, I didnt have all the answers I needed to make decisions. So, when youre making payment decision, this goes back to what dad and grand dad thought, which was to stretch out the payables, and to pull on receivables, you need information, you need context, you need a lot of content to actually make a decision. What does the contract say, when did I pay them last, what do my employees say, does my marketing head believe this is a good expense or not? Maybe I want to ask them why they did this, because I might want to learn whats going on in the business. All those questions require collaboration. And so, I just was kind of fixating on the fact that none of the tools that I had either built or looked at competitively add in to it, allowed me to actually do what I needed to do. It didnt allow me to collaborate with the people, which would be the employees, the customers, the vendors, the accountants. It didnt allow me to collaborate with the documents. Everything from a source document all the way up to the clear check image. It didnt allow me to collaborate with my accounting system or my banking system, so I can have secure disaster-proof, so to speak, backup office capabilities. I didnt have any of that functionality out there, so I started thinking about it, its like You know, this cloud thing is pretty collaborative. I bet you, I can kind of think about, how I can actually make the transaction go from payables to receivables and back, without having to do any data entry on either side. So thats kind of how I started thinking about it, and realize there was an opportunity to give people the right access at the right time with the right information using the cloud, which will allow for all that mundane paperwork that people have, will allow that to disappear.Ma rtin: And how did you make your first product version reality? Did you hire some kind of developers helping you for this, did you raise money upfront or finally after youve had the prototype, how did it work?RenÃ©: I was fortunate that we had, because of the success of PayCycle, I was able to raise money fairly easily, from existing investors in PayCycle, they just wanted to put some money in. But, and I would recommend this, I did this at PayCycle, I did it at Bill.com, and Ill do that in the next startup. You can do the prototype fairly easily, and no technology, in fact. Our original prototype was, I would walk down to the businesses that we signed up, I would actually take their bills for them, I would scan them, I would actually than attach that to email, en route for other people to approve. I would then take care of printing the checks or moving the money electronically, I would do all that stuff manually so that we could learn what we needed to build out in the system with t he engineers. So, it didnt actually take much money to get an alpha version out. But it did take, it does take time to build payment company. Thats not easy work, to manage and build payment companies.Martin: So it was more hard to really understand where the pain point is, but not developing the first prototype and solution?RenÃ©: Well, the pain point, I would say that, what was hard was actually to learn how to scale the solution. Understanding the pain point was actually something I knew, just from running a business at PayCycle, and then getting to the prototype was fairly easy. And then we knew what features we needed to build, to actually enable that pain point to go away. And so, then it was Ok, how do you build a scalable system that enables those features? And thats been hard, thats what weve been doing for seven years.BUSINESS MODEL OF BILL.COMMartin: RenÃ©, lets talk about the business model. How does the business model work right now, can you walk us through, from a cust omers perspective?RenÃ©: The customers, we have multiple types of products. We have accounts payable automation tool, we have an accounts receivable automation tool. So customers come to us for one or either both of those, and when they come in there is a software subscription model, where they need to pay us for the, basically a license per user and it depends on the license fee, it depends on the complexity of the business. So, the more complex the business is, the more sophisticated their accounting software is, the more sophisticated their needs are, the more expensive the product is. But that price ranges anywhere from $29 a month all the way up to, I think $79 a month. And then, we have transaction fees. So, every time we enable a customer to fulfill a transaction, whether its paying their vender or collecting their receivable, we charge a $1.49 for any paper transactions and $.49 for any electronic transactions. Theres other fees, but those are the dominant transaction fees t hat we have and what we find is that customers quickly get on the system and then theyre able to really save a ton of money. Our customers tell us they save anywhere from 50 to 75% of the time and they get paid 2-3 times faster. So, the ROI is actually very, very high and they see that, and they get that, so the building of the business model seems to be one of the simpler problems for us to solve.Martin: The old payment process of paying your suppliers, from my understanding works like this, that in a small company, the accounting department collects all the, lets say, the contracts that are that you made to list the suppliers, so you know when to pay them, what are the DPOs and payment dates. And then, the managing director also signs them, Ok, this one, please pay it or This one, maybe we should negotiate the price, etc. This is what I would call the old model. How does your model work and improve this kind of process?RenÃ©: The model that we have is, I guess at the core of any b usiness transaction is, its kind of obvious, but collaboration. Businesses collaborate with the people, the systems and the documents, so, what you just said, theres actually fair bit of collaboration there. What we do is we digitize everything, so that collaboration becomes instantaneous. So, I can collaborate with my phone, I can actually look at the bill and see the exact same digital copy that youre looking at, and at the same time given. And as soon as you approve it, it can then go to me to approve, if you have a question about it saying Hey, RenÃ©, Im not really sure that this is exactly what we said than I can make a note and reply back why it is or why it changed, whatever. So, that instant ability of work flow, built into all the transactions, and also providing auto trail, so you can see who has looked at something and if theyve approved it and if its been initiated for payment, and all that good stuff. That type of systemic integration makes for a lot simpler collaborati on tool, with all the people who you work with, as well as all the documents. When I, the reason I started the company is at PayCycle weve had one big filing cabinet with all the vendor and customer records in it, so two people are the key, the general counselor and myself. So, I would go back to, I would be paying the bill or looking for an invoice to collect on, I get back to the cabinet and I open up the filing cabinet and I go and put out the file that should have the contract in it Im looking for, open it up and itd be empty. Because somebody else needed to look at it and havent replaced it. And now we have to run around the office and say Where is that copy of contract? Nobody had it, right? So, the document should be centralized and it should be tied to the transactional staff because, from the financial perspective, the managing director, the CEO, the owner of the business, the controller or CFO, whoever it is whos signing the check, they need access to that data quickly, an d thats what we do.Martin: Whos digitizing the contracts then? Is it the company, your client, or is it you that are supporting them, are you digitizing this content?RenÃ©: Its mostly them. The reason I say mostly is that we give our customers the ability to fax a document in. So, that creates a digital copy. So, every customer gets their own fax number, every customer gets their own email address. So venders or customers, anybody can just email a document in to that particular address, anybody can fax a document into that fax number. And in addition, you can take a picture with the phone and send it in that way, or upload it from a file on your machine. So, all the documents come in that way, and then, once theyre in, then we start the work flow, we do the data entry if you ask us to, we start the payment processing, we have all the security and all the trails that I talked about.Martin: Hows the inter-connection between Bill.com and typical accounting systems, like SAP and Oracle? Is there some kind of automation link between them?RenÃ©: The accounting systems that we primarily work with would be Intuit, Quickbooks, Quickbooks Align, Intacct, NetSuite, Xero, we do have customers using us with Mas 90, Great Plains. I dont think we have anybody with Oracle or SAP, it does tend to be much, much larger companies, kind of Fortune 2000, and in the United States there are 6 million businesses with employees, 6 million employers, and that kind of tends to be our focus. And they tend to use these first five that Ive mentioned. So, our believe is that the accounting software is tremendous tool that gives you the data and the ledger and the reporting that you need about how to look at and analyze your business. But when it comes to actually understanding your payables and receivables, they dont have the process work flow that we have. So, we are a tool that works side by side with the accounting system. And so we have partnerships and integrations with each of those ap plications, and our customers typically will sync the data from the accounting software into Bill.com, in the initial day or whatever, and they will take over all the list items to customers, to vendors, chartered accounts, the expense categories, all that stuff will come over. And then from there, once they put the documents in, they can categorize it in Bill.com and then we just sync back and forth. If they add a vendor it goes over to Quickbooks, if they add a customer it goes over All that stuff just automatically gets integrated and synced in a seamless fashion, so the customer doesnt have to worry about their books being accurate. So, accountancy, heres one of the things accountancy loves, is that they can actually have their clients involved in Bill.com, but not necessarily involved in the accounting software, which is where they can kind of make mistakes.Martin: RenÃ©, your domain is, I think, too good to be true. How did you get that?RenÃ©: Little bit lucky. The CTO, Eric, had a friend Marc Benioff, from Salesforce, and Mark Benioff owned the url. And so, Mark had stayed connected to Eric and, after about year of working here had kind of asked Eric a little bit more about what we are doing. When we heard what we were doing he was like You know, Ive got a url that might be appropriate. And so we talked, and we talked about the business and, as a friend he did us a favor and sold it to us. It was good.CORPORATE STRATEGYMartin: Ok, lets talk about the corporate strategy. What do you think is the competitive advantage of Bill.com over other software as a service companies that might also stream the accounting process, or payables and receivables process?RenÃ©: I think the core advantage that we have, the primary challenge that there is in building what weve done, is that the reason, the name was a good save way, so the reason I ended up buying Bill.com. Originally the company was Cashview, which in some ways is more descriptive about what we actually do, but Bill.com is too good to pass up, because Bill.com represents two sides of the same point: the payables and the receivables process, and thats like, if you think about a quarter, theres head, theres tails, but its a quarter. So, were two sides of the same coin, its the transaction that businesses use to communicate and transact across. That transaction, if you really want to make it electronic, if you really want to create the collaboration for asset, you need to both do the payables part, you need to do the receivables part, you need to create collaborative tools for customers and vendors, you need to create the payments that need to happen back and forth, you need to sync with either type off the accounting system, if youre on Quickbooks and Im on Intacct, if youre on NetSuite and Im on Xero, all that stuff just needs to kind of go together, and so at our core, weve always had a data model that represents that it is built, the transaction is either payable or receivable, but it s actually both at the same time. Thats one of the bigger barriers to entry, the other barrier to entry is money moving, when one of the few companies actually does the money moving and actually processes the transactions and manages the fraud risk and the credit risk and all the things that come with money movement. And that is really, really hard stuff to do and, in this particularly regulatory environment. Since 2008, in United States its gotten a lot harder to do those activities and so, we have a lot more cost and expense that we are putting into the system, kind of managing working with others, and thats not something that I think most startups should be doing, because its actually fairly expensive and fairly risky.Martin: And did you think of moving towards supplier, management and towards trade receivables management, or debtor managers, in terms of selecting the right debtors or suppliers, managing them, building this kind of database?RenÃ©: We believe that the network that we have, that connects customers and vendors together, the payables-receivables connection, ultimately does create supplier network, if you will. But its going to be different from the Aribas or Its going to be different from that, because of that we think that most businesses, you can look in the US, right, in the US, the top 4.000 companies in US create 70% of the consumer bills. So, consumers only have to talk to 4.000 companies to be able to get everything electronic. Its much simpler from when you think about the 29 million businesses that the US has. So, we believe that the network that needs to, that will solve the problem, is going to be one that creates some transparency, no matter your size. And so I think thats, its just a different way of approaching the problem. So, we havent gone after, go get the top 4.000 billers, and, which is, Aribas kind of got the top 1.000, and then it gotten out through all their network, its a great strategy, but I think ours is to say Lets m ake sure this works for anybody and anyone at any time.MARKET DEVELOPMENTMartin: Lets talk about market development. In the payment industry, the SaaS, and accounting industry. So, what kind of interest can you identify specifically, related to the accounting department?RenÃ©: I think one of the things that Im seeing, theres kind of three big trends in general.There is big data.There is social or collaboration is what I think it translates into business world, and thenTheres electronic payments.And, obviously, we play in all of those. Ive talked about those words that Whats interesting is this, when we first, when I did PayCycle, when it was internet payroll solution, we did not think of it as a cloud solution, we did not call it the SaaS solution, we did not think of it as the benefits that that environment really provided from a customer perspective. There were benefits for us from a company building owner: faster development times, better ability to kind of fix bugs. And now, whe n we think about the cloud, it is kind of sharing this phrase I use, its sharing the right data with the right person at the right time. And allowing people to collaborate across all of that, and thats kind of a trend that were seeing, is that businesses want that, the CEO or the owner wants to be able to pay a bill in a taxi cab in New York City, or a woman who owns the business wants to be able to pay a bill while shes picking up the kids, or the dad wants to be able to pay the bill or invoice a customer while hes at the soccer game. Whatever the stereotypical role that you come up with, they want to be able to do this activity from anywhere, and that activity is very different from when you think about the finances of what did I spend on this, this and that. And so, its kind of, its the instant real-time nature that business demands, all business owners are being placed on a day, which is business never stops, youre always connected. It is that phrase that Ive heard many times i n the Valley, or maybe not many but I use it many times, which is the news is looser, but the leash is longer. Thats what the internet has done for us. Were always connected. Youve always got that leash. But I got a lot bigger rope around my neck, so Im not going to hang myself, but Im always connected. And so, I think that enablement of technology is driving what businesses expect from their financial applications. They want that freedom and flexibility, because everything else they do to run their business can be done from anywhere, so I think that is driving a big need in the accounting space, in the finance space, and so you cant make a decision about paying a bill unless you got all the filing cabinets at your fingertips. There is a, one of my first demos I did for the demo conference in 2007, I got up on stage and had a tool belt around my waist. And the tool belt, on the tool belt I had calibers with paper hanging off, like a whole rim of paper all the way around my waist, an d they were all bills and invoices. And the comment I made was like If you wanted to have all the paper and the invoices, to be able to pay your bills anywhere, this is what you would have to do. Nobodys going to do this, right? You want to be able to do it on the phone.Martin: Should look very funny.RenÃ©: Yes. It was a good video, it was fun.ADVICE TO ENTREPRENEURS FROM RENÃ‰ LACERTE In Palo Alto (CA), we meet founder and CEO of Bill.com, RenÃ© Lacerte. He shares his story how Bill.com was founded and how the current business model works, as well as what the current plans for near future, and some advice for young entrepreneurs.The transcript of the interview is below.INTRODUCTIONMartin: Hi, today we are in the Bill.com office in Palo Alto with Rene. RenÃ©, who are you and what do you do?RenÃ©: Hi, well my names RenÃ© Lacerte, Im the founder and CEO of Bill.com. Prior this I started a company called PayCycle, which did online payroll for small businesses. We grew that to about 100.000 businesses and sold that to Intuit. Im a fourth generation entrepreneur, learned from dad and granddad that cash is king, you got to stretch out the payables and pull the receivables. And the way I came up with Bill.com, which I havent told you yet what we do, is that I was trying to do exactly what dad and grand dad taught me when I was running PayCycle, and there were no tools to help me do it, so we help businesses automate their payables, automate their receivables, and ultimately we give them freedom, so they can actually focus on the real things that are important for their business. So, by automating the payables and receivables, and all the workflow around it, all the payments and all the transactions, syncing that with all the applications that they work with, it removes the tremendous burden from them and really helps them grow their business. So, we hear that all the time.Martin: What did your dad teach you?RenÃ©: Dad taught me so many things. At the core of dad was, he just, he never gave up. My dad just, he was born with a disability, he had four fingers on his left hand and two on his right, and he, nobody teach him to play the piano, so he thought himself. And there are all sorts of examples like that were, he was a fabulous musician, he was playing trumpet when he was a kid, and he moved to piano. And one year, in 1977, Chuck Mangione came out with a song called Feels so good and he heard it on the radio, and he just went out, and he brought over it, he was playing it the next day, and the sound was just as good as Chuck. But, if you apply that personal stuff, thats the way he was at work. He just never gave up, like he was persistent. If he was passionate about something, if he really believed in it, he was just persistent and just focused and he just delivered, he just really focused at. When you care about something it is worth fighting for. And you dont listen to the detractors, you just kind of focus on what you know youre capable of and you just do it. So, thats probably the most important lesson that Ive learned. Ive learned lots of tactile things about how important it is to manage your cash flow and how important it is to have, obviously, good benefits for your employees. But all that stuff, really, at the core, building a product and starting a company, you just got to persevere and actually focus and get it don e.Martin: Great. Remembers me of the book Poor dad, rich dad. How did you come up of idea of Bill.com?RenÃ©: With Bill.com, I was running the day-to-day at PayCycle, I had been a product manager at Intuit where it actually worked on consumer bill payment for Intuit, and I was finding that all the paperwork that was coming, we got a check run every Friday, I just couldnt manage it. It was, I was unhappy, I was angry, I was kind of frustrated that all this paper stuff came to my desk and yet, I didnt have all the answers I needed to make decisions. So, when youre making payment decision, this goes back to what dad and grand dad thought, which was to stretch out the payables, and to pull on receivables, you need information, you need context, you need a lot of content to actually make a decision. What does the contract say, when did I pay them last, what do my employees say, does my marketing head believe this is a good expense or not? Maybe I want to ask them why they did this, becaus e I might want to learn whats going on in the business. All those questions require collaboration. And so, I just was kind of fixating on the fact that none of the tools that I had either built or looked at competitively add in to it, allowed me to actually do what I needed to do. It didnt allow me to collaborate with the people, which would be the employees, the customers, the vendors, the accountants. It didnt allow me to collaborate with the documents. Everything from a source document all the way up to the clear check image. It didnt allow me to collaborate with my accounting system or my banking system, so I can have secure disaster-proof, so to speak, backup office capabilities. I didnt have any of that functionality out there, so I started thinking about it, its like You know, this cloud thing is pretty collaborative. I bet you, I can kind of think about, how I can actually make the transaction go from payables to receivables and back, without having to do any data entry on e ither side. So thats kind of how I started thinking about it, and realize there was an opportunity to give people the right access at the right time with the right information using the cloud, which will allow for all that mundane paperwork that people have, will allow that to disappear.Martin: And how did you make your first product version reality? Did you hire some kind of developers helping you for this, did you raise money upfront or finally after youve had the prototype, how did it work?RenÃ©: I was fortunate that we had, because of the success of PayCycle, I was able to raise money fairly easily, from existing investors in PayCycle, they just wanted to put some money in. But, and I would recommend this, I did this at PayCycle, I did it at Bill.com, and Ill do that in the next startup. You can do the prototype fairly easily, and no technology, in fact. Our original prototype was, I would walk down to the businesses that we signed up, I would actually take their bills for them, I would scan them, I would actually than attach that to email, en route for other people to approve. I would then take care of printing the checks or moving the money electronically, I would do all that stuff manually so that we could learn what we needed to build out in the system with the engineers. So, it didnt actually take much money to get an alpha version out. But it did take, it does take time to build payment company. Thats not easy work, to manage and build payment companies.Martin: So it was more hard to really understand where the pain point is, but not developing the first prototype and solution?RenÃ©: Well, the pain point, I would say that, what was hard was actually to learn how to scale the solution. Understanding the pain point was actually something I knew, just from running a business at PayCycle, and then getting to the prototype was fairly easy. And then we knew what features we needed to build, to actually enable that pain point to go away. And so, then it was Ok, how do you build a scalable system that enables those features? And thats been hard, thats what weve been doing for seven years.BUSINESS MODEL OF BILL.COMMartin: RenÃ©, lets talk about the business model. How does the business model work right now, can you walk us through, from a customers perspective?RenÃ©: The customers, we have multiple types of products. We have accounts payable automation tool, we have an accounts receivable automation tool. So customers come to us for one or either both of those, and when they come in there is a software subscription model, where they need to pay us for the, basically a license per user and it depends on the license fee, it depends on the complexity of the business. So, the more complex the business is, the more sophisticated their accounting software is, the more sophisticated their needs are, the more expensive the product is. But that price ranges anywhere from $29 a month all the way up to, I think $79 a month. And then, we have trans action fees. So, every time we enable a customer to fulfill a transaction, whether its paying their vender or collecting their receivable, we charge a $1.49 for any paper transactions and $.49 for any electronic transactions. Theres other fees, but those are the dominant transaction fees that we have and what we find is that customers quickly get on the system and then theyre able to really save a ton of money. Our customers tell us they save anywhere from 50 to 75% of the time and they get paid 2-3 times faster. So, the ROI is actually very, very high and they see that, and they get that, so the building of the business model seems to be one of the simpler problems for us to solve.Martin: The old payment process of paying your suppliers, from my understanding works like this, that in a small company, the accounting department collects all the, lets say, the contracts that are that you made to list the suppliers, so you know when to pay them, what are the DPOs and payment dates. And then, the managing director also signs them, Ok, this one, please pay it or This one, maybe we should negotiate the price, etc. This is what I would call the old model. How does your model work and improve this kind of process?RenÃ©: The model that we have is, I guess at the core of any business transaction is, its kind of obvious, but collaboration. Businesses collaborate with the people, the systems and the documents, so, what you just said, theres actually fair bit of collaboration there. What we do is we digitize everything, so that collaboration becomes instantaneous. So, I can collaborate with my phone, I can actually look at the bill and see the exact same digital copy that youre looking at, and at the same time given. And as soon as you approve it, it can then go to me to approve, if you have a question about it saying Hey, RenÃ©, Im not really sure that this is exactly what we said than I can make a note and reply back why it is or why it changed, whatever. So, that instan t ability of work flow, built into all the transactions, and also providing auto trail, so you can see who has looked at something and if theyve approved it and if its been initiated for payment, and all that good stuff. That type of systemic integration makes for a lot simpler collaboration tool, with all the people who you work with, as well as all the documents. When I, the reason I started the company is at PayCycle weve had one big filing cabinet with all the vendor and customer records in it, so two people are the key, the general counselor and myself. So, I would go back to, I would be paying the bill or looking for an invoice to collect on, I get back to the cabinet and I open up the filing cabinet and I go and put out the file that should have the contract in it Im looking for, open it up and itd be empty. Because somebody else needed to look at it and havent replaced it. And now we have to run around the office and say Where is that copy of contract? Nobody had it, right? So, the document should be centralized and it should be tied to the transactional staff because, from the financial perspective, the managing director, the CEO, the owner of the business, the controller or CFO, whoever it is whos signing the check, they need access to that data quickly, and thats what we do.Martin: Whos digitizing the contracts then? Is it the company, your client, or is it you that are supporting them, are you digitizing this content?RenÃ©: Its mostly them. The reason I say mostly is that we give our customers the ability to fax a document in. So, that creates a digital copy. So, every customer gets their own fax number, every customer gets their own email address. So venders or customers, anybody can just email a document in to that particular address, anybody can fax a document into that fax number. And in addition, you can take a picture with the phone and send it in that way, or upload it from a file on your machine. So, all the documents come in that way, and then, once theyre in, then we start the work flow, we do the data entry if you ask us to, we start the payment processing, we have all the security and all the trails that I talked about.Martin: Hows the inter-connection between Bill.com and typical accounting systems, like SAP and Oracle? Is there some kind of automation link between them?RenÃ©: The accounting systems that we primarily work with would be Intuit, Quickbooks, Quickbooks Align, Intacct, NetSuite, Xero, we do have customers using us with Mas 90, Great Plains. I dont think we have anybody with Oracle or SAP, it does tend to be much, much larger companies, kind of Fortune 2000, and in the United States there are 6 million businesses with employees, 6 million employers, and that kind of tends to be our focus. And they tend to use these first five that Ive mentioned. So, our believe is that the accounting software is tremendous tool that gives you the data and the ledger and the reporting that you need about how to look at and analyze your business. But when it comes to actually understanding your payables and receivables, they dont have the process work flow that we have. So, we are a tool that works side by side with the accounting system. And so we have partnerships and integrations with each of those applications, and our customers typically will sync the data from the accounting software into Bill.com, in the initial day or whatever, and they will take over all the list items to customers, to vendors, chartered accounts, the expense categories, all that stuff will come over. And then from there, once they put the documents in, they can categorize it in Bill.com and then we just sync back and forth. If they add a vendor it goes over to Quickbooks, if they add a customer it goes over All that stuff just automatically gets integrated and synced in a seamless fashion, so the customer doesnt have to worry about their books being accurate. So, accountancy, heres one of the things accountancy loves, is that they can actually have their clients involved in Bill.com, but not necessarily involved in the accounting software, which is where they can kind of make mistakes.Martin: RenÃ©, your domain is, I think, too good to be true. How did you get that?RenÃ©: Little bit lucky. The CTO, Eric, had a friend Marc Benioff, from Salesforce, and Mark Benioff owned the url. And so, Mark had stayed connected to Eric and, after about year of working here had kind of asked Eric a little bit more about what we are doing. When we heard what we were doing he was like You know, Ive got a url that might be appropriate. And so we talked, and we talked about the business and, as a friend he did us a favor and sold it to us. It was good.CORPORATE STRATEGYMartin: Ok, lets talk about the corporate strategy. What do you think is the competitive advantage of Bill.com over other software as a service companies that might also stream the accounting process, or payables and receivables process?RenÃ©: I think th e core advantage that we have, the primary challenge that there is in building what weve done, is that the reason, the name was a good save way, so the reason I ended up buying Bill.com. Originally the company was Cashview, which in some ways is more descriptive about what we actually do, but Bill.com is too good to pass up, because Bill.com represents two sides of the same point: the payables and the receivables process, and thats like, if you think about a quarter, theres head, theres tails, but its a quarter. So, were two sides of the same coin, its the transaction that businesses use to communicate and transact across. That transaction, if you really want to make it electronic, if you really want to create the collaboration for asset, you need to both do the payables part, you need to do the receivables part, you need to create collaborative tools for customers and vendors, you need to create the payments that need to happen back and forth, you need to sync with either type off the accounting system, if youre on Quickbooks and Im on Intacct, if youre on NetSuite and Im on Xero, all that stuff just needs to kind of go together, and so at our core, weve always had a data model that represents that it is built, the transaction is either payable or receivable, but its actually both at the same time. Thats one of the bigger barriers to entry, the other barrier to entry is money moving, when one of the few companies actually does the money moving and actually processes the transactions and manages the fraud risk and the credit risk and all the things that come with money movement. And that is really, really hard stuff to do and, in this particularly regulatory environment. Since 2008, in United States its gotten a lot harder to do those activities and so, we have a lot more cost and expense that we are putting into the system, kind of managing working with others, and thats not something that I think most startups should be doing, because its actually fairly exp ensive and fairly risky.Martin: And did you think of moving towards supplier, management and towards trade receivables management, or debtor managers, in terms of selecting the right debtors or suppliers, managing them, building this kind of database?RenÃ©: We believe that the network that we have, that connects customers and vendors together, the payables-receivables connection, ultimately does create supplier network, if you will. But its going to be different from the Aribas or Its going to be different from that, because of that we think that most businesses, you can look in the US, right, in the US, the top 4.000 companies in US create 70% of the consumer bills. So, consumers only have to talk to 4.000 companies to be able to get everything electronic. Its much simpler from when you think about the 29 million businesses that the US has. So, we believe that the network that needs to, that will solve the problem, is going to be one that creates some transparency, no matter your s ize. And so I think thats, its just a different way of approaching the problem. So, we havent gone after, go get the top 4.000 billers, and, which is, Aribas kind of got the top 1.000, and then it gotten out through all their network, its a great strategy, but I think ours is to say Lets make sure this works for anybody and anyone at any time.MARKET DEVELOPMENTMartin: Lets talk about market development. In the payment industry, the SaaS, and accounting industry. So, what kind of interest can you identify specifically, related to the accounting department?RenÃ©: I think one of the things that Im seeing, theres kind of three big trends in general.There is big data.There is social or collaboration is what I think it translates into business world, and thenTheres electronic payments.And, obviously, we play in all of those. Ive talked about those words that Whats interesting is this, when we first, when I did PayCycle, when it was internet payroll solution, we did not think of it as a cl oud solution, we did not call it the SaaS solution, we did not think of it as the benefits that that environment really provided from a customer perspective. There were benefits for us from a company building owner: faster development times, better ability to kind of fix bugs. And now, when we think about the cloud, it is kind of sharing this phrase I use, its sharing the right data with the right person at the right time. And allowing people to collaborate across all of that, and thats kind of a trend that were seeing, is that businesses want that, the CEO or the owner wants to be able to pay a bill in a taxi cab in New York City, or a woman who owns the business wants to be able to pay a bill while shes picking up the kids, or the dad wants to be able to pay the bill or invoice a customer while hes at the soccer game. Whatever the stereotypical role that you come up with, they want to be able to do this activity from anywhere, and that activity is very different from when you thin k about the finances of what did I spend on this, this and that. And so, its kind of, its the instant real-time nature that business demands, all business owners are being placed on a day, which is business never stops, youre always connected. It is that phrase that Ive heard many times in the Valley, or maybe not many but I use it many times, which is the news is looser, but the leash is longer. Thats what the internet has done for us. Were always connected. Youve always got that leash. But I got a lot bigger rope around my neck, so Im not going to hang myself, but Im always connected. And so, I think that enablement of technology is driving what businesses expect from their financial applications. They want that freedom and flexibility, because everything else they do to run their business can be done from anywhere, so I think that is driving a big need in the accounting space, in the finance space, and so you cant make a decision about paying a bill unless you got all the filing cabinets at your fingertips. There is a, one of my first demos I did for the demo conference in 2007, I got up on stage and had a tool belt around my waist. And the tool belt, on the tool belt I had calibers with paper hanging off, like a whole rim of paper all the way around my waist, and they were all bills and invoices. And the comment I made was like If you wanted to have all the paper and the invoices, to be able to pay your bills anywhere, this is what you would have to do. Nobodys going to do this, right? You want to be able to do it on the phone.Martin: Should look very funny.RenÃ©: Yes. It was a good video, it was fun.ADVICE TO ENTREPRENEURS FROM RENÃ‰ LACERTEMartin: RenÃ©, your dad thought us so much about how to start a company and how to become successful entrepreneur. What do you teach your two boys so they become entrepreneurs if they want?RenÃ©: Its a great question. I think one of the things that we failed at, and actually all these studies in the US about this, whi ch is dinner table conversations are probably the most important thing for successful child, to become a successful adult. And so, when you come home, what do you talk about at the dinner table? Everybody talks about their day. So, I share very openly with the kids all the good stuff and all the bad stuff about running a company, and I explain it so they understand it. So, if Im having a challenge hiring somebody, I talk about why this role is important, what would this person do for the company, what Im looking for, how I evaluate the person, whereve they been, all that type of stuff, we kind of get into that so they can potentially learn about the people side of business. If Im evaluating how to organize the company, Ill go through the organizational structure of the company. If Im evaluating the product feature, well talk about Hey, I got this new idea, this is what Im thinking about and then Ill ask questions,.. So, I think, and my dad did this with me, this is a really importan t thing, where no matter what you it, it might be why you see actors kids often times become actors, and businessmens kids often times become businessmen. Thats kind of an interesting way to kind of sugar that learning, so theres no one thing, other than as Im learning, Im sharing that with the kids. So they get to learn a little bit of something, and that dinner table MBA, as I call it, I think is one of the more valuable, educational experiences that our kids can have.Martin: I understood this kind of educational practice that you are doing, and for some people who are not privileged to have an entrepreneur as their daddy, what kind of advice would you give them for starting a company?RenÃ©: Well, the first thing is that its always harder than you thought or think. Its always harder, and so just back to the first question you asked me, which is you got to pursue it. If you believe in what youre doing, you have to keep doing it, you cant let somebody else tell you: No, its not righ t.That said, you should always validate, so if you think about the examples I gave, both at PayCycle and here, at PayCycle I did a payroll by hand, I filled out forms by hand, but for the customers, their experience was, they got a complete internet experience. They can email me the hours, I would then create the paychecks and I would deliver to their door. Because I didnâ€™t have the ability to just send it through email at that point. But they got that experience. And when I could see A-ha, that solved the pain point, then I knew it was worth investing. So, there are ways to kind of prototype, start out, make sure that your customers value the pain points that youre solving before you invest, and I would recommend that.The other that I always tell people is really, you cannot underestimate the value of the network that you have. Do not be afraid to tap into it and ask, people can always say no. And, kind of an add-on to that is focus on developing board of advisors or board of dir ectors or something, that you have to be accountable for. Everybody always think, its interesting, but always think, you know, being your own business, and less, being your own boss must be great. I am not my own boss. I work for the people above me, I work for people below me. Im the guy in the middle that has people all around me that I need to work with, and theyre all telling me what to do. And now, I get to set the course, but Im listening to all of them and Im trying to make sure theyre all satisfied and, if you dont have that accountability, then its actually very easy to say Well, you know, I said I was going to get this product research done by next month. Three months go by and you havent done it. But if you have a board meeting, and you have a board meeting in six weeks, where you have to report on the product research, guess what? Youll get the product research done by six weeks amount. So, I would recommend that, theres probably more ideas, but those three tips seem lik e the ones that I focus most when I tell other entrepreneurs.Martin: RenÃ©, thank you very much for your time.RenÃ©: Thank you.Martin: And the next time you want to start a company or, even better, want your kids to start a company, talk to your kids and educate them on a dinner table. Thank you very much.

Bill.com

Sunday, May 24, 2020

Patrocinio green card, copatrocinadores y sustitutos

Para InmigraciÃƒ ³n es patrocinador el ciudadano o el residente permanente que solicita los papeles para un familiar para que Ãƒ ©ste obtenga la tarjeta de residencia, tambiÃƒ ©n conocida como green card. Las personas que patrocinan a sus familiares adquieren unas responsabilidades que duran por aÃƒ ±os. La ley permite al patrocinador buscar co-patrocinadores o sustitutos cuando no ingresa la cantidad mÃƒ nima exigida ni tiene patrimonio suficiente. Puntos Clave: Patrocinio de la tarjeta de residencia Para sacar la tarjeta de residencia por familia es necesario el patrocinio de un familiar.Tipos de patrocinio:Patrocinador: ciudadano o residente que pide a familiarCo-patrocinador: puede ser un familiar pero no es necesario. En este caso, patrocinador y co-patrocinador son responsables conjuntamente del migrante pedido.Patrocinador sustituto: cuando el patrocinador fallece. Solo se admite familiares del migrante o representantes legales del mismo. Obligaciones legales del patrocinador El ciudadano o residente que se convierte en patrocinador es responsable econÃƒ ³micamente frente: el gobiernola persona patrocinada, es decir, el inmigrante que ha obtenido la green card porque fue pedida por el patrocinador. Esto quiere decir, por un lado, que si el inmigrante patrocinado recibe un beneficio pÃƒ ºblico calificado como means-tested por el gobierno federal, estatal o local, entonces la agencia del gobierno puede reclamar el costo al patrocinador. Y si este no paga, puede demandarlo en corte. Tienen consideraciÃƒ ³n de beneficios means-tested, entre otros, los siguientes: los cupones de alimentosÃ‚ (food stamps, en inglÃƒ ©s o SNAP), los Ingresos Suplementarios de Seguridad, conocido como SSI por sus siglas en inglÃƒ ©s, Medicaid, TANF y el seguro mÃƒ ©dico estatal SCHIP. Por otro lado, el inmigrante patrocinado puede exigir al patrocinador que lo mantenga. Y si no cumple, puede demandarlo. Cabe destacar que esta obligaciÃƒ ³n puede continuar en el caso de green card por matrimonio incluso despuÃƒ ©s del divorcio de la pareja. Ã‚ ¿Por quÃƒ © el patrocinador tiene esta obligaciÃƒ ³n? El patrocinador tiene esta obligaciÃƒ ³n porque durante el proceso para patrocinar a su familiar firma el documento I-864, tambiÃƒ ©n conocido como affidavit of support o declaraciÃƒ ³n de mantenimiento. Este es un documento imprescindible. Si no se firma, no puede seguir adelante la tramitaciÃƒ ³n. Es necesario destacar que es, en realidad, un contrato entre el patrocinador y el gobierno. Por lo tanto, cualquier acuerdo privado entre el patrocinador y el inmigrante patrocinado a este respecto es nulo. En otras palabras, el patrocinador siempre responde ante el gobierno por los gastos pÃƒ ºblicos que el inmigrante cause por utilizar algÃƒ ºn beneficio de los considerados como means-tested. En los casos de peticiÃƒ ³n con ajuste de estatus, el affidavit of support se firma en ese momento. Sin embargo, en los de peticiones a travÃƒ ©s del procedimiento consular, esta declaraciÃƒ ³n de sostenimiento se firma en el momento en el que asÃƒ lo solicite el Centro Nacional de Visas (NVC, por sus siglas en inglÃƒ ©s). Ã‚ ¿CuÃƒ ¡nto dura la obligaciÃƒ ³n del patrocinador? Esta obligaciÃƒ ³n dura hasta que el inmigrante patrocinado se convierte en ciudadano estadounidense a travÃƒ ©s del proceso que se conoce como naturalizaciÃƒ ³n o hasta que el inmigrante los 40 crÃƒ ©ditos cotizados, es decir, en la mayorÃƒ a de los casos eso significa llevar aproximadamente 10 aÃƒ ±os trabajando. La obligaciÃƒ ³n del patrocinador deja de existir en el caso que llegue antesÃ‚ de los 2 anteriores.Ã‚ Es importante tener en cuenta que en el caso de patrocinador que solicita la green cad para el cÃƒ ³nyuge, el divorcio no pone fin a la obligaciÃƒ ³n, sino que continÃƒ ºa hasta que se produzca la naturalizaciÃƒ ³n del inmigrante o los 40 crÃƒ ©ditos cotizados. Ã‚ ¿QuÃƒ © son los co-patrocinadores? En los casos en los que el ciudadano americano o un residente quiere pedir los papeles para un familiar pero no tiene ingresos y/o patrimonio suficiente para el affidavit of support es posible tener co-patrocinadores. La ley permite 2 supuestos. En primer lugar, otro miembro de la familia que reside habitualmente en el mismo hogar que el ciudadano o residente que solicita los papeles. Y en segundo lugar, otra persona que no tiene que ser pariente. Estos son los casos que se conocen como joint-sponsor, por su nombre en inglÃƒ ©s. A la hora de firmar el affidavit of support hay que fijarse porque hay variaciones segÃƒ ºn la categorÃƒ a de patrocinador que presenta los papeles, miembro del hogar el patrocinador o co-patrocinador que reside en otro hogar, sea o no pariente. En el caso de que se patrocine a un inmigrante que emigra acompaÃƒ ±ado por su familia, puede haber 2 joint-sponsor. En todo caso, cada uno por separado debe ingresar o tener patrimonio suficiente para patrocinar. En los casos en los que se utiliza un joint-sponsor, el patrocinador, es decir, el que pide los papeles para su familiar, debe tambiÃƒ ©n firmar su propio documento de affidavit of support. Y tanto el patrocinador como el joint-sponsor son responsables econÃƒ ³micamente del migrante pedido. Patrocinador sustituto Cuando un ciudadano o un residente solicita los papeles para un familiar y despuÃƒ ©s fallece, el proceso puede continuar si se dan 3 requisitos: El documento de peticiÃƒ ³n que se conoce como I-130 se aprobÃƒ ³ ANTES del fallecimientoEl Servicio de InmigraciÃƒ ³n y CiudadanÃƒ a (USCIS) admite que continue la tramitaciÃƒ ³nOtra persona se compromete a responder econÃƒ ³micamente por el inmigrante y firma el affidavit of support. Esta persona serÃƒ a el patrocinador sustituto. Sin embargo, no cualquier persona puede ser patrocinador sustituto sino que la ley pide que entre Ãƒ ©ste y el migrante se dÃƒ © alguna de las siguientes relaciones: cÃƒ ³nyuge, padre, madre, suegro, suegra, hermano/a, hijo/a, yerno, nuera, cuÃƒ ±ado/a, abuelo/a o guardiÃƒ ¡n legal del inmigrante. Requisitos para ser patrocinador,Ã‚ co-patrocinador o patrocinador sustituto Tanto el patrocinador como el joint-sponsor tiene que ser mayor de 18 aÃƒ ±os, ciudadano o residente y residir en los Estados Unidos o uno de sus territorios, como por ejemplo Puerto Rico. Ã‚ Si el ciudadano no se encuentra en esos momentos en Estados Unidos, deberÃƒ ¡ probar que su estadÃƒ a en otro paÃƒ s es temporal y que conserva el domicilio en el paÃƒ s. Frecuentemente, los ciudadanos estadounidenses que residen fuera del paÃƒ s y deciden regresarse con sus cÃƒ ³nyuges extranjeros se encuentran con el problema de que no pueden probar ingresos suficientes para patrocinar, ya que USCIS pide que los ingresos se produzcan en EE.UU. y que se puedan probar mediante la presentaciÃƒ ³n de las planillas tax returns. Aunque pide un mÃƒ nimo de un aÃƒ ±o y un mÃƒ ¡ximo de tres, deberÃƒ ¡ presentarse uno, dos o tres segÃƒ ºn lo que resulte mÃƒ ¡s conveniente segÃƒ ºn las circunstancias personales del patrocinador de la green card. Este es un artÃƒ culo informativo. No es asesorÃƒ a legal.

Thursday, May 14, 2020

Similarities Between Men and Women - 1678 Words

Sociology of Women October 18th, 2012 Are men and women more similar or different from each other? What are the strengths and weaknesses of each position? If not a gender dichotomy (male/female), then what? Can we unlearn, as a culture, the ins and outs of gender? Is gender a question of exclusion or is it a question of difference? Women and Men are more similar than people believe them to be. People focus on the evident physical differences we see on a daily basis in men and women. Women are commonly described to have breasts, a vagina, and are considered more Ã¢â‚¬Å"voluptuousÃ¢â‚¬ or curvy than men, Whereas men are known for their manly tools, their penis, and all the preconceived social and cultural notions that go along with that.Ã¢â‚¬ ¦show more contentÃ¢â‚¬ ¦Men and women require the same types of emotional and physical care from the time of birth to adulthood, in order to remain healthy and functioning members of society. Both male and female brains are exactly the same. An argument that is commonly seen about the male and female brain is that on average a manÃ¢â‚¬â„¢s brains grows for a bit longer and are a bit larger than females, but aside from the slight size difference both a male and females brain can function the same way. Size does not relate to function. Both men and women go through life tr ying to fulfill a desire to have emotional connections with others. Whether these are positive or negative emotional connections based on the persons experiences, men and women still try to fulfill the same voids. Men and women also require the same physical care from birth to adulthood. Both men and women need to be physically cared for in order to survive. Men and women both require the basic needs to have food, water, shelter, and personal hygiene in order to maintain their health. Without one of these things either sex could die. This is explained clearly is Abraham MaslowÃ¢â‚¬â„¢s Hierarchy of Needs which explains that you satisfy your biological needs before your personal andShow MoreRelatedSimilarities Between Men And Women1088 Words Ã‚ |Ã‚ 5 PagesSimilarities and differences between men and women are not given the same acknowledgement in society. Men have always seen to be superior and their actions are placed on a pedicel. Whilst women who mimic the actions are judged and criticized. When men are compared to women it is usually an attempt at insulting an individual, because in society women are seen as weaker and a downgrade. When women are compared to men its used to boost their ego and somewhat make them stronger. Simple things such asRead MoreSimilarities Between Men And Women3453 Words Ã‚ |Ã‚ 14 Pagescomparing the similarities the other person has to themselves. In my research I had learn the different ways people view their similarities to one another and what men and women view similarities to each other. The researchers that had wrote journals and had profession over similarities are Pieternel Dijkstra (department of Psychology similarity of men and women), Lynne Hall and Sarah Woods (University of Sunderland, UK, University of Hertfordshire, who wrote The Importance of similarity in Empathic)Read MoreCommunication Between Men And Women891 Words Ã‚ |Ã‚ 4 PagesÃ¢â‚¬Å"If women ruled the world, there would be no wars. Instead, there would be a bunch of jealous countries not talking to each other.Ã¢â‚¬ This quote is a perfect example of how communication between men and women vary. Communication has been and will continue to be the most essential aspect of human existence, which happens to differ greatly between men and women. Being aware of the differences between men and women in communication is significant in day-to-day interactions. Normally, conversation is aRead MoreSimilarities And Differences Between Yanomamo And Samoan Peoples853 Words Ã‚ |Ã‚ 4 Pagesexperiencing aspects of their culture. There are many similarities and differences between the Yanomamo and Samoan peoples. Cultural differences and similarities need to be paid attention to. Also, the similarities need to be celebrated. The Samoans and Yanomamo have different and similar subsistence methods, division of labor, occupational specialization, exchange of goods, and the economic link to power. The differences and similarities between the Yanomamo a nd Samoan peoples are striking and deserveRead MoreEssay about Renaissance Influence on Modern Day Fashion1358 Words Ã‚ |Ã‚ 6 PagesMany people would not believe that there are so many similarities between modern day fashion and the fashion of the renaissance time period. Many differences may be seen between the two, but the similarities are remarkable. Throughout all of time, clothing has been the major representation of social classes. What people wear has always been the distinguishing factor between the wealthy and the poor classes of both the renaissance and current time period. The evolution from time period to time periodRead MoreHow Gender Affects Us Psychologically1096 Words Ã‚ |Ã‚ 5 PagesMen and woman live together side by side. We go to work, get married, have kids, amongst many other things. But are we dramatically different from each other? Some would say yes automatically based on things like, Ã¢â‚¬Å"heÃ¢â‚¬â„¢s not sensitive enoughÃ¢â‚¬ or Ã¢â‚¬Å"she talks to mu chÃ¢â‚¬ . But stereotypes aside, are we more similar? My theory is that yes we are more similar than different. The research out there even supports the idea. From the American Psychological association, it tells us about Psychologist Janet ShibleyRead MoreMagical Thinking Case Study1469 Words Ã‚ |Ã‚ 6 PagesCantonese Funerals Carol Nemeroff and Paul RozinÃ¢â‚¬â„¢s definition of magical thinking, and the laws of similarity and contagion are demonstrated in the case study Ã¢â‚¬Å"Funeral Specialists in Cantonese Society: Pollution, Performance, and Social HierarchyÃ¢â‚¬ by James L. Watson . In this essay I will first be exploring Nemeroff and RozinÃ¢â‚¬â„¢s definition of sympathetic magical thinking with respect to both the laws of similarity and contagion. Secondly, I will be using those same definition and laws to demonstrate the validityRead MoreMen Vs Women - Comparison and Contrast essay836 Words Ã‚ |Ã‚ 4 PagesÃ¯ » ¿Men vs. Women By Angelica G. Sto. Domingo Ever thought why and how are people different from each other? Their basic differences (which can also be their similarities) are intelligence, opinions, body structure, religion, responsibilities, priorities, goals, and personalities. But the most obvious of all these is their difference in gender (Sozdinler, 2008). According to Sozdinler, many ancient and modern philosophers say that people are born in equal conditions. They may have the same intelligenceRead MoreThe Current Day And Age Essay1266 Words Ã‚ |Ã‚ 6 Pagesvery controversial topic. Back in the early 1950Ã¢â‚¬â„¢s, there were very clearly defined gender roles for males and females. It is no longer as simple as it once was to define gender. Factors such as sociocultural influence, the scientific difference between Ã¢â‚¬Å"genderÃ¢â‚¬ and Ã¢â‚¬Å"sexÃ¢â‚¬ , and politics all play into gender roles and gender identity. AmericaÃ¢â‚¬â„¢s cultural idea of masculinity and femininity can also differ from other cultures making it a unique definition. It is very important for people to discussRead MoreAuthors Such As W.E.B. Du Bois And Simone De Beauvoir,1695 Words Ã‚ |Ã‚ 7 Pagesgroups. The oppression of black people and women are similar in fundamental ways because they are viewed as inferior and the ways they are controlled and limit ed by another, dominant group which makes it easy to apply the concept of the Veil to both of them. Du Bois introduces the concept of the Veil, which concerns the way black people see themselves through the eyes of white people. De Beauvoir expands the concept of the Veil to apply to the oppression of women and their fight for freedom. However,

Wednesday, May 6, 2020

The Number One Article on Best Term Writing Service

The Number One Article on Best Term Writing Service It's fine to get writing assistance if you need it. Our term paper writing service enables customers to select the writer they wish to work with based on their abilities and assignment requirements. The job of an ideal term paper writing service is to give precise writing solutions to the students exactly according to their requirements and suggestions. The response to the question of how to discover the very best writing service isn't an easy one. All the above should be in details mentioned on the official site of the company Make sure it is possible to give the directions on the writing procedure to writer and provide your own sources to utilize in writing. Moreover, our site blog consists of free writing tips and tutorials to help prospective clients in addition to for students who only require academic guidance. In order to comprehend how to analyze the information provided and make the right decision when reading the perfect essay writing service reviews, you should understand the best way to choose the service which will have the capability to cover all your academic writing needs. To save you time and be more productive, we've designed a wide array of essay writing services that you may use as a resource for your own work. Up in Arms About Best Term Writing Service? When you see yourself here, you want to begin considering how to locate the correct paper writing company. There is a wonderful paper captivate. If y ou choose to order a term paper or another paper from us, you can expect to get simply the ideal term paper quality with each document we handle! It is possible to always rely on professional research paper writing services when you require assistance with paper writing. Therefore, you might rest assured your term paper service is going to be delivered by means of a pro. So, you may rest assured your term paper service is going to be delivered by means of a pro. So, you may rest assured your term paper service is going to be delivered by means of a pro. Indeed, a term paper service is simply like its writers, which means you want to come across a high quality support. You have to be sure that you get a terrific deal instead of merely some old, cheap, term papers. If you're probably not going to order term paper, you're likely to need to memorize it. A lot of custom term paper writing services can be found the net. It should not be too wordy or sophisticated. With BestEssayWritingService, you can be sure you will acquire original superior work at very very affordable prices and written to perfection. If you're using writing services online for the very first time and not certain how it works, you may always contact our support agent who will help you through all the stages starting with the purchase placement right until the last paper is delivered to you. You must choose a safe research paper writing service which guarantees timely delivery of all orders, no matter their urgency and complexity. At the end, you can wind up receiving a plagiarized or very low excellent paper from precisely the same company you were led to believe was the ver y best. Best Term Writing Service Withonline reviewsof thebestandtopservices out there, you can earn an educated decision on what writing service you ought to choose. You simply need to employ the right writing service! In addition, editing services are much cheaper than custom sample writing. You're probably looking for the best educational composing service that can be found on the net, which will be exactly why you've came across our website. The info about customers ought to be inaccessible to third parties and the general public. Stay within the conventional pricing in the writing industry, and you are going to have an extensive variety of high-quality services to choose from. The business should guarantee the plagiarism-free custom made writing. Many businesses declare that each customer receives the personal writer.

Tuesday, May 5, 2020

A Research Analysis Of Media And Violence Essay Example For Students

A Research Analysis Of Media And Violence Essay In a research analysis of Media and Violence, studies show that Ã¢â‚¬Å"Although the typical effect size for exposure to violent media is relatively small . this Ã¢â‚¬Ëœsmall effectÃ¢â‚¬â„¢ translates into significant consequences for society as a wholeÃ¢â‚¬ (Ã¢â‚¬Å"Media and Violence: An Analysis of Current ResearchÃ¢â‚¬ , 2015). This states violent behaviors can come from the smallest variables, or clips from videos, which is why it is important for parents to control what their kids see, read, and watch, and limit the amount of violence exposure.There are two types of media that are published, including mainstream media which gives politically correct news media or unrealistic ideals. But on the other hand, there are alternative media, which tends to be information given from a less biased point of view, and tend to target a smaller audience. In the final chapter, we will show an example alternative media and how differs from the content of mainstream media.Alternative media are a source of media that are known for publishing information from their own perspective or beliefs, including minorities and underprivileged groups, and raise awareness to the public. One example of alternative media is Internet websites, including Sleuth Journal, which exposes corruption, and produces truthful news to the public. Through articles and structures, we will examine why Sleuth Journal is an alternative media. Alternative media are a source of media that differs from the content of mainstream media. Alternative media are known for publishing information from their own perspective or beliefs, including minorities and underprivileged groups, and raise awareness to the public. One example of alternative media is Internet websites, including Sleuth Journal, which exposes corr. . with. The media is an important form of communication which influences people across the world on different topics and issues. Media has been used for attaining money, stopping the negativity of violence, showing how one person impacts an organization and giving our own perspectives on certain topic conveyed to the public. The purposes of media and communication are vital for the entire public to use because it gives equality, and not allow one person or group to dominate a society. If not for media, we would not be able to see the negative effects hurting a society such as minority groups, genders, age, or class. We have used telegrams, landline phones, and now are using social media, the internet, and new technological devices, where news can be reached instantly. Media has been a part of history, and will to continue to evolve for further generations to come.

Friday, April 3, 2020

A Closer Look at On Death and Dying essays

A Closer Look at On Death and Dying essays One of the most well known studies of death during the late twentieth century, On Death and Dying was created from an interdisciplinary seminar on death, originated and directed by Dr. Elisabeth Kbler-Ross. In On Death and Dying, Dr. Kbler-Ross first introduced and described the now-famous concept of the five stages of dealing with death: denial, anger, bargaining, depression, and finally, acceptance. These five stages can be helpful in recognizing and responding to the psychological state and needs of the patient and of those in grief. With sample interviews and conversations, she gives the reader a better understanding of how impending death affects the patient, the professionals who serve the patient, and the patient's family, bringing hope, comfort, and peace of mind to all involved. The five stages of dying are not mandatory elements in an inflexible sequence or levels that must be attained. It has been said that life is a journey, not a destination, and the same holds true for the process of dying. The stage of acceptance is not a goal to be reached by conquering the other steps. While most patients tend to go through a series of stages, they may go back and forth, skip around, or experience times where the stages seem to overlap, all according to the patients individual needs. With this in mind, it is important to remember that grief encompasses approximately five stages, with each patient progressing at his or her own pace. The first stage of death according to Dr. Kbler-Ross is denial, which typically occurs immediately following the initial diagnosis and prognosis. Patients and those close to them during this stage are not able to admit to themselves that they might die or suffer the immense loss that death represents. Typical responses include saying that the situation is not true, there was a mistake made by the health care professionals, or expressing the need for a second opini...