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| business entity search la: A Subtle Balance Edward A. Parson, 2015-06-15 A Subtle Balance critically reflects on major trends and enduring challenges over the last four decades of public policy and governance. During this time, a tension has existed between two aims for public decisions: that they be based on the best available evidence and analysis, and that they be fully democratic. This period has seen a continuing drive for more direct citizen engagement in decision-making and governments trying to address major policy issues through novel consultative and collaborative processes. In essays that offer detailed and novel insights into the recent history of specific issues in social policy, environmental policy, and processes of policy advice and decision-making, contributors elaborate on how these trends have played out in diverse areas of practice, what their consequences have been, and how specific institutional reforms could reset the requisite balance between expertise, evidence, and democracy in Canadian public policy. Inspired by the wide-ranging contributions to scholarship and practice of A.R. (Rod) Dobell, A Subtle Balance draws on the influences of distinguished scholars and sophisticated practitioners of public policy to assess recent changes in governance. Contributors include Martin Bunton, Barry Carin, Ian Clark, Rachel Culley, Rod Dobell, Lia Ernst, Jill Horwitz, John Langford, Justin Longo, Michael Prince, Harry Swain, Charles Ungerleider, Josee van Eijndhoven, Michael Wolfson, and David Zussman. |
| business entity search la: The Firm as an Entity Yuri Biondi, Arnaldo Canziani, Thierry Kirat, 2007-04-12 The book enhances current economic understanding of the firm as an institution and an organization, looking beyond the narrow boundaries of neoclassical economics to an interdisciplinary approach based on accounting and law as well as economics itself. It represents the first synthesis of the authors' research work on the subjec |
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| business entity search la: How to Start a Business for Free David Caplan, 2003 Most prosperous businesses are started on extremely tight budgets, and founders hustle hard to deliver innovative--or simply good--products or services. This book focuses on strategies to make great business ideas reality as cheaply as possible. |
| business entity search la: Doing Business 2020 World Bank, 2019-11-21 Seventeen in a series of annual reports comparing business regulation in 190 economies, Doing Business 2020 measures aspects of regulation affecting 10 areas of everyday business activity. |
| business entity search la: How to Start a Business in Oregon Entrepreneur Press, 2003 This series covers the federal, state, and local regulations imposed on small businesses, with concise, friendly and up-to-the-minute advice on each critical step of starting your own business. |
| business entity search la: Ten Years to Midnight Blair H. Sheppard, 2020-08-04 “Shows how humans have brought us to the brink and how humanity can find solutions. I urge people to read with humility and the daring to act.” —Harpal Singh, former Chair, Save the Children, India, and former Vice Chair, Save the Children International In conversations with people all over the world, from government officials and business leaders to taxi drivers and schoolteachers, Blair Sheppard, global leader for strategy and leadership at PwC, discovered they all had surprisingly similar concerns. In this prescient and pragmatic book, he and his team sum up these concerns in what they call the ADAPT framework: Asymmetry of wealth; Disruption wrought by the unexpected and often problematic consequences of technology; Age disparities--stresses caused by very young or very old populations in developed and emerging countries; Polarization as a symptom of the breakdown in global and national consensus; and loss of Trust in the institutions that underpin and stabilize society. These concerns are in turn precipitating four crises: a crisis of prosperity, a crisis of technology, a crisis of institutional legitimacy, and a crisis of leadership. Sheppard and his team analyze the complex roots of these crises--but they also offer solutions, albeit often seemingly counterintuitive ones. For example, in an era of globalization, we need to place a much greater emphasis on developing self-sustaining local economies. And as technology permeates our lives, we need computer scientists and engineers conversant with sociology and psychology and poets who can code. The authors argue persuasively that we have only a decade to make headway on these problems. But if we tackle them now, thoughtfully, imaginatively, creatively, and energetically, in ten years we could be looking at a dawn instead of darkness. |
| business entity search la: Commonwealth Caribbean Business Law Natalie Persadie, Rajendra Ramlogan, 2010-04-20 Commonwealth Caribbean Business Law breaks away from the traditional English approach of treating business law primarily as the law of contract and agency. The book takes a panoramic view of the foundation of various legal systems with a subsequent examination of different areas of legal liability that may affect business activities. These areas include contract law, agency, tort law, criminal law, and internet law as significant challenges confronting the business sector. The book primarily targets the development of business law in several Caribbean Commonwealth jurisdictions but also, where appropriate, embraces the jurisprudence of other Commonwealth nations such as the United Kingdom, Canada and Australia. With respect to internet law, the proliferation of judicial pronouncements emerging from the United States provided the platform for the only non-Commonwealth treatment of a topic. The approach of the book is to use excerpts from judgments so as to allow students, particularly the non-legal student, to understand legal principles as espoused by the judiciary without the filtering bias of authors. |
| business entity search la: The Corporation Renate E. Meyer, Stephan Leixnering, Jeroen Veldman, 2022-01-27 The Corporation engages with current issues of the corporation as an institutionalized organizational form, approaching the concept from the backgrounds of organization theory, law, and economics, combining different theoretical views and empirical approaches. |
| business entity search la: Semantic Technology Thepchai Supnithi, Takahira Yamaguchi, Jeff Z. Pan, Vilas Wuwongse, Marut Buranarach, 2015-02-20 This book constitutes the proceedings of the 4th Joint International Semantic Technology Conference, JIST 2014, held in Chiang Mai, Thailand, in November 2014. The theme of the JIST 2014 conference was Open Data and Semantic Technology. JIST 2014 conference consisted of main technical tracks including regular paper track (full and short papers), in-use track and special track, poster and demo session, two workshops and four tutorials. The 32 papers in this volume were carefully reviewed and selected from 71 submissions. The paper topics are divided into eight categories: ontology and reasoning, linked data, learning and discovery, rdf and sparql, ontological engineering, semantic social Web, search and querying and applications of semantic technology. |
| business entity search la: The Founder's Dilemmas Noam Wasserman, 2013-04 The Founder's Dilemmas examines how early decisions by entrepreneurs can make or break a startup and its team. Drawing on a decade of research, including quantitative data on almost ten thousand founders as well as inside stories of founders like Evan Williams of Twitter and Tim Westergren of Pandora, Noam Wasserman reveals the common pitfalls founders face and how to avoid them. |
| business entity search la: Corporate Groups and Shadow Business Practices Linn Anker-Sørensen, 2022-04-28 This book analyses innovations of structuring corporate groups and regulatory limitations of group transparency and proposes Systems Thinking as solution. |
| business entity search la: Web Services Anura Guruge, 2004-04-08 This is a soup-to-nuts reference guide on all aspects of Web Services - where Web Services is a fast emerging set of Internet-specific middleware technology to further promote the growth of all aspects of e-business via standardization, collaboration and franchising. This book is best characterized as an executive brief for IT and senior management rather than a nuts-and-bolts technical guide for portal implementers. Think of it as the Cliffs Notes on Web Services. Given this audience, the book consistently focuses on business needs, value propositions, ROI, proven solutions and actual examples of current implementations. Each chapter also ends with a 10-item Q&A section that consolidates and summarizes the information discussed in the chapter. The book is illustrated with detailed technical diagrams, includes lots of arresting subtitles and contains many bullet lists and tables to facilitate (and encourage) productive skimming. Decision makers - the intended readership for this book - gain increasing comfort and confidence as they get into the book that they are getting to see all facets of the issues, on a consistent basis, and that they will not be blind-sided at meetings by people asking 'difficult' questions. At the end of each chapter, Guruge summarizes and reinforces key points, allowing the reader to skim through the topics for crucial information. The book also leverages living outside resources and ensures that the readership always has ready and consistent access to any and all terms, definitions and concepts they might not be familiar with.Debate style presentation, focusing repeatedly on pros-and-cons, e.g., .NET vs. Java, open vs. proprietary and buy vs. buildAuthor's trademark detailed architectural and network diagrams of portal implementationsQ&A section at end of each chapter |
| business entity search la: Los Angeles Magazine , 2004-01 Los Angeles magazine is a regional magazine of national stature. Our combination of award-winning feature writing, investigative reporting, service journalism, and design covers the people, lifestyle, culture, entertainment, fashion, art and architecture, and news that define Southern California. Started in the spring of 1961, Los Angeles magazine has been addressing the needs and interests of our region for 48 years. The magazine continues to be the definitive resource for an affluent population that is intensely interested in a lifestyle that is uniquely Southern Californian. |
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| business entity search la: How to Start a Business in New Mexico Entrepreneur Press, 2004 How to Start a Business in New Mexicois your roadmap to avoid planning, legal and financial pitfalls and direct you through the bureaucratic red tape that often entangles fledgling entrepreneurs. This all-in-one resource goes a step beyond other business how-to books to give you a jump-start on planning for your business and provides you with: Quick reference to the most current mailing and Internet addresses and telephone numbers for federal, state, local and private agencies that will help get your business up and running. State population statistics, income and consumption rates, major industry trends and overall business incentives to give you a better picture of doing business in New Mexico. Checklists, sample forms and a complete sample business plan to assist you with numerous startup details. State-specific information on issues like choosing a legal form, selecting a business name, obtaining licenses and permits, registering to pay for taxes and knowing your employer responsibilities. Federal and state options for financing your new venture. |
| business entity search la: Droit de la finance alternative Jean-Marc Moulin, 2017-05-11 La finance est en crise ; mais elle est indispensable à la vie des hommes en société. Cependant, il serait abusif de considérer la finance comme un tout homogène. En effet, loin de la finance conventionnelle qui fait la une de l'actualité, il existe une finance dite alternative qui tente de placer et de maintenir l'Homme au centre de son projet et à l'horizon de son ambition. Cet ouvrage, premier du genre, se propose de présenter sous forme d'études réalisées par des spécialistes du droit financier, les manifestations de cette finance alternative, les outils, instruments et techniques juridiques qui existent et qui permettent de concilier finance et humanisme. À travers l'analyse des critères de développement durable ou religieux appliqués à la finance, des monnaies alternatives, du microcrédit, de la notation extra-financière, du mutualisme et du coopératisme en finance, du crowdfunding, des fonds éthiques, du financement associatif, du financement alternatif de l'habitat ou du soutien des collectivités publiques aux entreprises, ce livre fait, en France comme en Espagne, au Royaume-Uni, en Grèce et au Canada, un tour d'horizon complet de ce segment du secteur financier souvent méconnu et qui offre néanmoins aux Hommes de réaliser leurs projets dans la perspective d'un mieux-être collectif. Pour rompre avec l'idée que la finance n'est que spéculation et prédation. |
| business entity search la: The Sourcebook to Public Record Information Peter Julius Weber, Michael L. Sankey, 2004-10 Stop Searching . . . Start Finding! Professionals frustrated with searching for public records can now get accurate and current information on how to obtain records directly from the government. The revised and updated 5th edition of The Sourcebook to Public Record Information profiles-in-detail over 20,000 government agencies that house public records. More than a directory, the agency profiles found in The Sourcebook include access procedures, access restrictions, fees, online capabilities, turnaround times, along with addresses, phone/fax numbers, and additional information.Comprehensive Coverage! The Sourcebook contains an informative ?Public Record Primer? and the industry?s most comprehensive and current and profiles of County Courts, County Recording Offices, State Agencies, Federal Courts, plus, a place name/ZIP Code/county cross index to locate the correct county location. Also includes state/county maps.This extensive guide of over 1,840 pages is a superb time saving and cost cutting resource for background investigations, libraries, legal research, people/asset location and background screening. |
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| business entity search la: Case Studies in Sport Law-2nd Edition Pittman, Andrew, Spengler, John O., Young, Sarah, 2016-01-20 Case Studies in Sport Law, Second Edition, provides students and legal professionals with specific examples and perspectives of some of the most significant cases in sport law in an accessible tone that is free of legal jargon. |
| business entity search la: ECM Technology Tom Jenkins, Hartmut Schaper, 2005 « Enterprise Content Management (ECM) describes a critical new segment in Information Technology. ECM is about the management of words-words that make up more than 90 percent of information in organizations today. Businesses are turning to ECM as the next major software productivity tool to effectively manage the explosion of digital content. This book discusses unlocking digital content. It focuses on the quality controls and productivity enhancements realized when secure Internet technology is used to deploy an ECM solution. The book considers current and future trends in ECM including corporate governance and regulatory compliance. A must-read for executives interested in managing content to achieve compliance, improve productivity, and foster innovation and future growth. »-- |
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| business entity search la: Corporate Social Responsibility: Concepts, Methodologies, Tools, and Applications Management Association, Information Resources, 2018-07-06 The decisions a corporation makes affect more than just its stakeholders and can have wide social, environmental, and economic consequences. This facilitates a business environment built around the practical regulations and transparency necessary to ensure ethical and responsible business practice. Corporate Social Responsibility: Concepts, Methodologies, Tools, and Applications is a vital reference source on the ways in which corporate entities can implement responsible strategies and create synergistic value for both businesses and society. Highlighting a range of topics such as company culture, organizational diversity, and human resource management, this multi-volume book is ideally designed for business executives, managers, business professionals, human resources managers, academicians, and researchers interested in the latest advances in organizational development. |
| business entity search la: Mapping Legal Innovation Antoine Masson, Gavin Robinson, 2021-03-01 The legal sector is being hit by profound economic and technological changes (digitalization, open data, blockchain, artificial intelligence ...) forcing law firms and legal departments to become ever more creative in order to demonstrate their added value. To help lawyers meet this challenge, this book draws on the perspectives of lawyers and creative specialists to analyze the concept and life cycle of legal innovations, techniques and services, whether related to legislation, legal engineering, legal services, or legal strategies, as well as the role of law as a source of creativity and interdisciplinary collaboration. |
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| business entity search la: The Little Black Book of Scams Industry Canada, Competition Bureau Canada, 2014-03-10 The Canadian edition of The Little Black Book of Scams is a compact and easy to use reference guide filled with information Canadians can use to protect themselves against a variety of common scams. It debunks common myths about scams, provides contact information for reporting a scam to the correct authority, and offers a step-by-step guide for scam victims to reduce their losses and avoid becoming repeat victims. Consumers and businesses can consult The Little Black Book of Scams to avoid falling victim to social media and mobile phone scams, fake charities and lotteries, dating and romance scams, and many other schemes used to defraud Canadians of their money and personal information. |
| business entity search la: Competing in the Age of AI Marco Iansiti, Karim R. Lakhani, 2020-01-07 a provocative new book — The New York Times AI-centric organizations exhibit a new operating architecture, redefining how they create, capture, share, and deliver value. Now with a new preface that explores how the coronavirus crisis compelled organizations such as Massachusetts General Hospital, Verizon, and IKEA to transform themselves with remarkable speed, Marco Iansiti and Karim R. Lakhani show how reinventing the firm around data, analytics, and AI removes traditional constraints on scale, scope, and learning that have restricted business growth for hundreds of years. From Airbnb to Ant Financial, Microsoft to Amazon, research shows how AI-driven processes are vastly more scalable than traditional processes, allow massive scope increase, enabling companies to straddle industry boundaries, and create powerful opportunities for learning—to drive ever more accurate, complex, and sophisticated predictions. When traditional operating constraints are removed, strategy becomes a whole new game, one whose rules and likely outcomes this book will make clear. Iansiti and Lakhani: Present a framework for rethinking business and operating models Explain how collisions between AI-driven/digital and traditional/analog firms are reshaping competition, altering the structure of our economy, and forcing traditional companies to rearchitect their operating models Explain the opportunities and risks created by digital firms Describe the new challenges and responsibilities for the leaders of both digital and traditional firms Packed with examples—including many from the most powerful and innovative global, AI-driven competitors—and based on research in hundreds of firms across many sectors, this is your essential guide for rethinking how your firm competes and operates in the era of AI. |
| business entity search la: The Chicago Manual of Style University of Chicago. Press, 2003 Searchable electronic version of print product with fully hyperlinked cross-references. |
| business entity search la: A bill to establish a Native American-owned financial entity to provide financial services to Indian tribes, Native American organizations, and Native Americans, and for other purposes United States. Congress. Senate. Committee on Indian Affairs (1993- ), 2004 |
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| business entity search la: QuickBooks en Espanol - QuickBooks in Spanish - Guia para Latinos :: Nueva Edicion 2019 Servercom USA, 2020-02-04 Quickbooks es el programa más usado por las pequeñas y medianas empresas en los Estados Unidos, donde se registra las transacciones contables y financieras del día a día como información de clientes (Customers), creación de estimados (Estimates) y facturas (Invoices), pagos a proveedores (Vendor’s Payments), manejo de inventarios (Inventory), impresión de cheques (Write Checks), reportes de ventas (Sales Report), declaración de Impuestos (Taxes) e innumerables tareas que toda empresa necesita para administrar y controlar las actividades diarias. Si planeas gestionar tu propia compañía o quieres ampliar tus conocimientos y conseguir un mejor trabajo, este manual te guiará paso a paso en todo lo que necesitas saber de Quickbooks. Es un manual es UNICO en su categoría ya que está escrito en español pero maneja doble terminología (Ingles- Español) para que no tengas problemas cuando lo uses en la vida real. Edicion Actualizada 2019. |
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| business entity search la: Los Angeles Magazine , 2003-06 Los Angeles magazine is a regional magazine of national stature. Our combination of award-winning feature writing, investigative reporting, service journalism, and design covers the people, lifestyle, culture, entertainment, fashion, art and architecture, and news that define Southern California. Started in the spring of 1961, Los Angeles magazine has been addressing the needs and interests of our region for 48 years. The magazine continues to be the definitive resource for an affluent population that is intensely interested in a lifestyle that is uniquely Southern Californian. |
| business entity search la: How to Start a Business in Arizona Entrepreneur Press, 2007-04-16 SmartStart Your Business Today! How to Start a Business in Arizona is your road map to avoiding operational, legal and financial pitfalls and breaking through the bureaucratic red tape that often entangles new entrepreneurs. This all-in-one resource goes a step beyond other business how-to books to give you a jump-start on planning for your business. It provides you with: Valuable state-specific sample forms and letters on CD-ROM Mailing addresses, telephone numbers and websites for the federal, state, local and private agencies that will help get your business up and running State population statistics, income and consumption rates, major industry trends and overall business incentives to give you a better picture of doing business in Arizona Checklists, sample forms and a complete sample business plan to assist you with numerous startup details State-specific information on issues like choosing a legal form, selecting a business name, obtaining licenses and permits, registering to pay taxes and knowing your employer responsibilities Federal and state options for financing your new venture Resources, cost information, statistics and regulations have all been updated. That, plus a new easier-to-use layout putting all the state-specific information in one block of chapters, make this your must-have guide to getting your business off the ground. |
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| business entity search la: U.S. Tax Cases Commerce Clearing House, 1994 Decisions originally reported currently in Standard federal tax service, Federal estate and gift tax service, and Federal excise tax reports. |
| business entity search la: Process Analytics Seyed-Mehdi-Reza Beheshti, Boualem Benatallah, Sherif Sakr, Daniela Grigori, Hamid Reza Motahari-Nezhad, Moshe Chai Barukh, Ahmed Gater, Seung Hwan Ryu, 2016-03-28 This book starts with an introduction to process modeling and process paradigms, then explains how to query and analyze process models, and how to analyze the process execution data. In this way, readers receive a comprehensive overview of what is needed to identify, understand and improve business processes. The book chiefly focuses on concepts, techniques and methods. It covers a large body of knowledge on process analytics – including process data querying, analysis, matching and correlating process data and models – to help practitioners and researchers understand the underlying concepts, problems, methods, tools and techniques involved in modern process analytics. Following an introduction to basic business process and process analytics concepts, it describes the state of the art in this area before examining different analytics techniques in detail. In this regard, the book covers analytics over different levels of process abstractions, from process execution data and methods for linking and correlating process execution data, to inferring process models, querying process execution data and process models, and scalable process data analytics methods. In addition, it provides a review of commercial process analytics tools and their practical applications. The book is intended for a broad readership interested in business process management and process analytics. It provides researchers with an introduction to these fields by comprehensively classifying the current state of research, by describing in-depth techniques and methods, and by highlighting future research directions. Lecturers will find a wealth of material to choose from for a variety of courses, ranging from undergraduate courses in business process management to graduate courses in business process analytics. Lastly, it offers professionals a reference guide to the state of the art in commercial tools and techniques, complemented by many real-world use case scenarios. |
| business entity search la: State on Board! Nga Pham, Kok-Boon Oh, 2021-09-01 Research in this book focuses on the strategic behaviour of the State as a shareholder in businesses, and the implications it has for the other shareholder(s) and business performance. It investigates the institutional characteristics of State-linked and State-owned firms (SIEs & SOEs), in emerging markets using Vietnam as a case study with comparative analysis on China and selected ASEAN countries. In doing so, the book adopts an evidence-based approach to explain the State’s role as a shareholder in the different aspects of corporate governance, including CEO appointment, board structure and impact of State ownership on business strategy and performance. It highlights the influence of the State as a shareholder by investigating institutional factors consistent with “path dependence” theory, which postulates that the initial and underlying structure of an economy influences its performance. In addition, the book presents empirical evidence of the dynamics of corporate governance arising from interactions between the State and other shareholders, which has not yet been addressed in the literature, and is distinctive in providing new insights from both qualitative and empirical research on how to successfully navigate the emerging market business environments from the perspective of the State as an “owner-participant”. Explaining the theoretical constructs in corporate governance in State-invested firms, empirical research methodologies, and results to draw and validate inferences, the book is comprehensive and provides a practical guide for practitioners as well as a reference for academics, undergraduate and postgraduate students. The new theoretical models proposed integrate traditional political-economic and agency theories, which also underpin tertiary business courses and academic research. |
| business entity search la: The Antitrust Paradox Robert Bork, 2021-02-22 The most important book on antitrust ever written. It shows how antitrust suits adversely affect the consumer by encouraging a costly form of protection for inefficient and uncompetitive small businesses. |
BUSINESS | English meaning - Cambridge Dictionary
BUSINESS definition: 1. the activity of buying and selling goods and services: 2. a particular company that buys and….
VENTURE | English meaning - Cambridge Dictionary
VENTURE definition: 1. a new activity, usually in business, that involves risk or uncertainty: 2. to risk going….
ENTERPRISE | English meaning - Cambridge Dictionary
ENTERPRISE definition: 1. an organization, especially a business, or a difficult and important plan, especially one that….
INCUMBENT | English meaning - Cambridge Dictionary
INCUMBENT definition: 1. officially having the named position: 2. to be necessary for someone: 3. the person who has or….
AD HOC | English meaning - Cambridge Dictionary
AD HOC definition: 1. made or happening only for a particular purpose or need, not planned before it happens: 2. made….
LEVERAGE | English meaning - Cambridge Dictionary
LEVERAGE definition: 1. the action or advantage of using a lever: 2. power to influence people and get the results you….
ENTREPRENEUR | English meaning - Cambridge Dictionary
ENTREPRENEUR definition: 1. someone who starts their own business, especially when this involves seeing a new opportunity….
CULTIVATE | English meaning - Cambridge Dictionary
CULTIVATE definition: 1. to prepare land and grow crops on it, or to grow a particular crop: 2. to try to develop and….
EQUITY | English meaning - Cambridge Dictionary
EQUITY definition: 1. the value of a company, divided into many equal parts owned by the shareholders, or one of the….
LIAISE | English meaning - Cambridge Dictionary
LIAISE definition: 1. to speak to people in other organizations, etc. in order to work with them or exchange….
BUSINESS | English meaning - Cambridge Dictionary
BUSINESS definition: 1. the activity of buying and selling goods and services: 2. a particular company that buys and….
VENTURE | English meaning - Cambridge Dictionary
VENTURE definition: 1. a new activity, usually in business, that involves risk or uncertainty: 2. to risk going….
ENTERPRISE | English meaning - Cambridge Dictionary
ENTERPRISE definition: 1. an organization, especially a business, or a difficult and important plan, especially one that….
INCUMBENT | English meaning - Cambridge Dictionary
INCUMBENT definition: 1. officially having the named position: 2. to be necessary for someone: 3. the person who has or….
AD HOC | English meaning - Cambridge Dictionary
AD HOC definition: 1. made or happening only for a particular purpose or need, not planned before it happens: 2. made….
LEVERAGE | English meaning - Cambridge Dictionary
LEVERAGE definition: 1. the action or advantage of using a lever: 2. power to influence people and get the results you….
ENTREPRENEUR | English meaning - Cambridge Dictionary
ENTREPRENEUR definition: 1. someone who starts their own business, especially when this involves seeing a new opportunity….
CULTIVATE | English meaning - Cambridge Dictionary
CULTIVATE definition: 1. to prepare land and grow crops on it, or to grow a particular crop: 2. to try to develop and….
EQUITY | English meaning - Cambridge Dictionary
EQUITY definition: 1. the value of a company, divided into many equal parts owned by the shareholders, or one of the….
LIAISE | English meaning - Cambridge Dictionary
LIAISE definition: 1. to speak to people in other organizations, etc. in order to work with them or exchange….
