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This paper deals with the question: Why is the shift toward online education happening? This is a complex issue that involves questions of educational access, paradigms for teaching and learning, competition and globalization among universities, the development of new and better online technologies, and the financial pressures facing higher education. A huge transition is underway.The same networking and computing technology that has revolutionized global commerce, and many other facets of modern life, is now being targeted at education. Partnering the Internet with modern course management systems makes it possible for universities to offer online coursework on a global basis. The critical task that lies ahead is to create and disseminate curricula of high quality that students can embrace and educators can sustain. For more details visit to [http://www.guardadsense.com]. The overall objective of José’s Online Education Forum is to examine the realities of college and university online teaching, and the processes of education using today’s information technologies. Collectively, the authors of this paper have taught over a hundred different university-level courses online, both graduate and undergraduate, mostly using the Internet. The issues and insights discussed in this Forum will provide educators with important tools and the understanding needed to effectively embrace the world of online education.1. INTRODUCTION1.1 The Sloan ConsortiumIn a Sloan-C survey of 1170 Provosts and Academic VPs, more than half indicated a belief that online education would be ‘critical for the long-term’ in higher education. Surprisingly perhaps, the same percentage said that they believe success in achieving learning outcomes is already equivalent between online and traditional teaching methods. And there was also a consensus of opinion among these respondents that the quality of online courses would continue to improve, with a third of them believing that online teaching quality will soon surpass the quality typical of conventional teaching. These opinions may be surprising for many of us in the teaching profession, coming as they do from such high level and influential administrators. They signal a fundamental change in perceptions about the potential of online education in the immediate future.1.2 OverviewThe objective in this paper is to investigate and assess why this shift to online education is happening. Several factors can be cited beginning with improvements in access to educational services using online technologies and changing paradigms for teaching and learning that integrate well with these technologies. Other factors include heightened educational competition and globalization, the ongoing and often dramatic improvements in online systems capabilities, and the underlying economics of providing online education versus conventional means. The following sections of this paper explore each of these factors individually.2. ACCESS TO EDUCATION2.1 Access for the MassesThe ability to use information technologies effectively is one aspect of achieving success in today’s society, both for individuals and for organizations as a whole. The current job market requires educated workers who are capable of changing and adapting as business and cultural realities shift and evolve in today’s fast-paced, global economy (Kantar, 2001). Information technology is enabling the development of this kind of economic world structure. For more information logon to [http://www.instant-adsense-dollars.com]. It is also making possible the education of the workforce that this new economy requires by providing new capabilities for teaching and learning online.Online education offers the promise of increased access to high quality education for the masses. Exactly how this is going to occur is not clear yet, but there is no doubt that online education is rapidly becoming an established modality. The development of the modern world economy demands an educated workforce. Places like the three It’s (India, Indonesia, and Ireland) and more recently China, are finding that the need for an educated workforce is overwhelming the capabilities of their traditional educational systems. In America and Western Europe, the same economic and political pressures associated with ‘equality of opportunity’ contribute to demands for equal access to a quality education for all who seek it.

US Markets were trading in the green on Friday with Dow 30 trading at 30,678.80, up by 1.14%. While S&P 500 was trading at 3,701.66, up by 0.98% and Nasdaq Composite 10,690.60 was also up by 0.71 per cent

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US Markets in green on Friday; Dow 30 up over 345 points, Nasdaq Composite, S&P 500 up nearly 1%
Earlier today, Indian stock markets ended the week on a winning note. It was the sixth straight gains for equity markets. Source: Reuters
US Markets were trading in the green on Friday with Dow 30 trading at 30,678.80, up by 345.25 points or1.14 per cent. While S&P 500 was trading at 3,701.66, up by 35.88 points or 0.98 per cent and Nasdaq Composite 10,690.60 was also up 75.75 points or 0.71 per cent. A Reuters report said that today’s strength was on the back of a report which said the Federal Reserve will likely debate on signaling plans for a smaller interest rate hike in December, reversing declines set off by social media firms after Snap Inc’s ad warning.

Source: Comex

Nasdaq Top Gainers and Losers

Source: Nasdaq

Earlier today, Indian stock markets ended the week on a winning note. It was the sixth straight gains for equity markets. The BSE Sensex ended at 59,307.15, up by 104.25 points or 0.18 per cent from the Thursday closing level. Meanwhile, the Nifty50 index closed at 17,590.00, higher by 26.05 points or 0.15 per cent. In the 30-share Sensex, 13 stocks gained while the remaining 17 ended on the losing side. In the 50-stock Nifty50, 21 stocks advanced while 29 declined.

There are several potential financing options available to cash-strapped businesses that need a healthy dose of working capital. A bank loan or line of credit is often the first option that owners think of – and for businesses that qualify, this may be the best option.

In today’s uncertain business, economic and regulatory environment, qualifying for a bank loan can be difficult – especially for start-up companies and those that have experienced any type of financial difficulty. Sometimes, owners of businesses that don’t qualify for a bank loan decide that seeking venture capital or bringing on equity investors are other viable options.

But are they really? While there are some potential benefits to bringing venture capital and so-called “angel” investors into your business, there are drawbacks as well. Unfortunately, owners sometimes don’t think about these drawbacks until the ink has dried on a contract with a venture capitalist or angel investor – and it’s too late to back out of the deal.

Different Types of Financing

One problem with bringing in equity investors to help provide a working capital boost is that working capital and equity are really two different types of financing.

Working capital – or the money that is used to pay business expenses incurred during the time lag until cash from sales (or accounts receivable) is collected – is short-term in nature, so it should be financed via a short-term financing tool. Equity, however, should generally be used to finance rapid growth, business expansion, acquisitions or the purchase of long-term assets, which are defined as assets that are repaid over more than one 12-month business cycle.

But the biggest drawback to bringing equity investors into your business is a potential loss of control. When you sell equity (or shares) in your business to venture capitalists or angels, you are giving up a percentage of ownership in your business, and you may be doing so at an inopportune time. With this dilution of ownership most often comes a loss of control over some or all of the most important business decisions that must be made.

Sometimes, owners are enticed to sell equity by the fact that there is little (if any) out-of-pocket expense. Unlike debt financing, you don’t usually pay interest with equity financing. The equity investor gains its return via the ownership stake gained in your business. But the long-term “cost” of selling equity is always much higher than the short-term cost of debt, in terms of both actual cash cost as well as soft costs like the loss of control and stewardship of your company and the potential future value of the ownership shares that are sold.

Alternative Financing Solutions

But what if your business needs working capital and you don’t qualify for a bank loan or line of credit? Alternative financing solutions are often appropriate for injecting working capital into businesses in this situation. Three of the most common types of alternative financing used by such businesses are:

1. Full-Service Factoring – Businesses sell outstanding accounts receivable on an ongoing basis to a commercial finance (or factoring) company at a discount. The factoring company then manages the receivable until it is paid. Factoring is a well-established and accepted method of temporary alternative finance that is especially well-suited for rapidly growing companies and those with customer concentrations.

2. Accounts Receivable (A/R) Financing – A/R financing is an ideal solution for companies that are not yet bankable but have a stable financial condition and a more diverse customer base. Here, the business provides details on all accounts receivable and pledges those assets as collateral. The proceeds of those receivables are sent to a lockbox while the finance company calculates a borrowing base to determine the amount the company can borrow. When the borrower needs money, it makes an advance request and the finance company advances money using a percentage of the accounts receivable.

3. Asset-Based Lending (ABL) – This is a credit facility secured by all of a company’s assets, which may include A/R, equipment and inventory. Unlike with factoring, the business continues to manage and collect its own receivables and submits collateral reports on an ongoing basis to the finance company, which will review and periodically audit the reports.

In addition to providing working capital and enabling owners to maintain business control, alternative financing may provide other benefits as well:

It’s easy to determine the exact cost of financing and obtain an increase.
Professional collateral management can be included depending on the facility type and the lender.
Real-time, online interactive reporting is often available.
It may provide the business with access to more capital.
It’s flexible – financing ebbs and flows with the business’ needs.
It’s important to note that there are some circumstances in which equity is a viable and attractive financing solution. This is especially true in cases of business expansion and acquisition and new product launches – these are capital needs that are not generally well suited to debt financing. However, equity is not usually the appropriate financing solution to solve a working capital problem or help plug a cash-flow gap.

A Precious Commodity

Remember that business equity is a precious commodity that should only be considered under the right circumstances and at the right time. When equity financing is sought, ideally this should be done at a time when the company has good growth prospects and a significant cash need for this growth. Ideally, majority ownership (and thus, absolute control) should remain with the company founder(s).

Alternative financing solutions like factoring, A/R financing and ABL can provide the working capital boost many cash-strapped businesses that don’t qualify for bank financing need – without diluting ownership and possibly giving up business control at an inopportune time for the owner. If and when these companies become bankable later, it’s often an easy transition to a traditional bank line of credit. Your banker may be able to refer you to a commercial finance company that can offer the right type of alternative financing solution for your particular situation.

Taking the time to understand all the different financing options available to your business, and the pros and cons of each, is the best way to make sure you choose the best option for your business. The use of alternative financing can help your company grow without diluting your ownership. After all, it’s your business – shouldn’t you keep as much of it as possible?