Business card template download free vector download (25, 815 files) for commercial

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Advice For Start Home Based Business #applying #for #a #business #loan

#home business


Advice For Start Home Based Business

After deciding on the type of business you want to start, it will be time to take the next steps.

Even though you will be working from home. this is still a business, and you must always remember that.

There are a few things you should ask before start home based business:

  1. Will you work specific hours each day?
  2. Will it be necessary for you to separate your family and work spaces?
  3. Are customers going to come to your physical location, or will everything be done with the help of your home computer, phone and any mobile devices?
  4. Will this be a full-time situation, or are you planning to continue working at your current job?

The answers to all of these questions will help you determine how much of an effect your home business will have on your family life. If you plan to work at home in addition to a current job, there is a chance that you may become overworked.

It is a good idea to break up your day a bit. You can also ask a family member for help if you become overwhelmed. They can assist you with things like answering phones, printing shipping labels and responding to emails.

There are other tasks that you will need to complete yourself. These include calling clients or writing articles. You can do these after everyone has gone to bed for the night. This means that your work day will not have to dip so far into your family time.

It is crucial that you are very disciplined and consistent when you are working from home. This means that you should continue learning more each day and using it to better your business. This will help you reach the heights of success you have been striving for.

When you first start your business, you will have to work very hard with promotions. Becoming a household name is not something that happens overnight, so you will need to be patient and persistent.

When you are working from home, no one is able to see you. It will be your job to find people who will be interested in your products and services.

This means that you will have to put a great deal of time and effort into the marketing of your home business. It may sound hard, but it will pay off later.

Having a phone number and a web address on all of your promotional materials will make it easy for people to contact you in order to get what they need.

It will be necessary for you to have a decent source of income until you can get your business off of the ground.

You should plan ahead and make sure that you have a substantial amount in your savings. It is recommended that you have enough money to last you for six months to one tear.

Cooking more meals at home and streaming content online can help you save more money in the interim.

You can also consider a part-time job since that can help you cover basic business expenses. You should also consider selling any household items you had no use for if you are looking for extra cash for your business.

Your business will do particularly well if y ou are able to get a great start. Having the right mindset and remaining optimistic when you get started will help you become as successful as you could have ever imagined.

Click here if you want to learn how to start and build a successful home based business.

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  • 4 Steps to a Highly Successful Online Business

Free Business Card Templates – download from Serif #small #business #loan

#business cards templates


Free business card templates

Create your own business cards – for free!

These business card templates are all fully customisable so you can create the exact design you re looking for. This pack contains18 different designs from construction to corporate and florists to pharmaceutical. Whatever your trade, create the right impression by using one of these designs to make your own business card.

Creating your business cards is a breeze!

It s so easy to get started. You ll need PagePlus (from version X4 onwards), our desktop publishing software, to edit your free templates. You can get a free version of PagePlus, PagePlus Starter Edition. or buy our full version, PagePlus X8. When you have PagePlus you can log in and simply download the business card templates .

Once your download is complete, you have immediate access to your new free templates to make as many changes as you like to the layout, colours and pictures.

Once you re happy with your design, print as many as you need, saving yourself valuable time and money!

Click images to enlarge

Template details:
Business card templates
Quantity: 18
Download size: 4.11 MB

System requirements:
5 MB hard drive space
PagePlus X4 or later or PagePlus Essentials or Starter Edition installed

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Corridor Business #business #franchise

#business journal


September 1, 2016

By John Langhorne / Guest Column
Recently, the Wall Street Journal had an article with the title “Myers-Briggs Is a Crock.” Reading it, I could hardly control my chuckling. According to the article, 89 of the Fortune 100, as well as more than 250 federal agencies, use the personality test for employee selection. For years I have been railing against this massive fraud against my profession.

By Jean Robillard / Guest Column
A lot of people – health care providers among them – have a difficult time thinking of medicine and health care as a business. After all, most health care providers enter the field to develop caring relationships with patients, find cures for disease or mentor and teach the next generation of providers – not to sift through a profit-and-loss analysis.

By Nancy Garberson/Guest Column
When dealing with competitors who have interrupted your marketing space with new techniques, it’s time to either match the demand with copycat techniques, or reshape an existing product or service to meet the demands of customers. When you can be an original, why would you copy the competitors?

Free Business Cards: Design Cards for Free #vista #business #cards

#free business cards


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    People Who Bought Business Cards Also Bought:

  • Online Investing #loan #business

    #investing in stocks


    Online Investing

    About the Online Investing Page:

    Many investors find it more efficient to trade and manage their portfolios online. This requires a fair amount of education and research. Through our Online Investing section, we offer investors everything from the basics to the latest financial tools.

    Investor Resource of the Week

    Analyst Info – This page shows graphical representations of a company’s Consensus Recommendation, Detailed Analyst Recommendation, 12 Month Price Target Range, Earnings Surprise, Momentum (4 Weeks), Detailed Estimates Submitted, Earnings Growth, Price/Earnings, Consensus Earnings Forecasts and PEG Ratio.

    Online Investing Articles

    • Diversification, Planners, and Brokers
      Of course you want your investments to grow. Here are some tips on diversification, choosing a broker and choosing a financial planner.
      Before you can invest for the future, you need to have money put aside for the present. Don’t be forced to liquidate some investments when an emergency arises. Build an emergency fund of three to six months’ living expenses, and you’ll be giving your online investments the best possible chance to grow. Read More
    • Investing in Stock
      Equities have been the road to wealth for many investors, but selecting the right ones for your portfolio is a difficult process. Chasing after the latest hot tip is no better than taping a newspaper stock page to a dartboard and throwing a dart. Take time to do some homework. This article is a good place to start in your search for unbiased advice for investing online. Read More
    • Money Market Comparison Chart
      This chart provides a quick comparison of rates on the three major types of money market accounts — taxable mutual funds, nontaxable mutual funds, and money market deposit accounts. Read More
      Check out our list of high yielding money market accounts and money market mutual funds:
      • Taxable Money Market Mutual Funds
      • Non-Taxable Money Market Mutual Funds
      • Money Market Accounts
    • Margin Trading
      It’s no secret that the advent of credit did wonders to beef up our modern economy, and the stock market has been no exception. While most new online investors buy stock through traditional cash accounts, there is another way. Read More
    • Two Sides to Every Trade
      One of the hardest concepts for a new investor to grasp is the idea that every single trade represents a difference in perception between you and whoever’s on the other side of the transaction. What do you know that the other guy doesn’t? Read More
    • Analyze Mutual Fund and ETF Fees and Expenses
      Fees and expenses can vary widely from fund to fund. Here�s a tool to help you compare how sales loads, fees, commissions, and other fund expenses can affect returns. Even small differences in expenses can make a big difference in your return over time. Read More
    • How to Trade Options
      Stock options are an incredibly versatile online investment flavor. Despite their reputation as an instrument for high-rollers, there are several conservative options strategies almost anyone can employ. Sophisticated investors find options can be highly profitable. Read More
    • Test Your Financial Knowledge
      Today, more than 84 million Americans and countless others around the world invest in the U.S. equities markets, some directly, others through pension plans, mutual funds, and other vehicles. The NASD recently surveyed investors to get an idea of what people know – and what people may not know – about investing. See how you stack up against other investors. Read More

    How Long Until You’re a Millionaire?

    Enter your starting initial amount, monthly contribution and savings interest rate to find out how long it will take until you reach your goal.

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    Understand Business Law & Regulations #service #business #ideas

    #business law


    As a small business owner, you are subject to some of the laws and regulations that apply to large corporations. These resources can help you understand which requirements do apply to your business.

    Learn the basic rules when it comes to advertising, labeling and marketing your products or services.

    Hiring your first employee or building your business team requires you to comply with a special area of law. This guide will help ensure your small business follows employment and labor laws.

    Learn about the financial laws that protect businesses, investors and customers and how you can comply.

    Learn how intellectual property law can protect your business interests and find out how to register a trademark or service mark, file a patent or copyright your work.

    Whether selling on eBay, or operating an e-commerce site, there are several laws that you must comply with such as how and when to collect sales tax. Learn more about laws for online businesses.

    Learn how intellectual property law can protect your business interests and find out how to register a trademark or service mark, file a patent or copyright your work.

    Laws to protect the environment could impact your small business. Refer to this guide to find out how to comply with environmental laws.

    If you are conducting business transactions outside of your state, you need to comply with the Uniform Commercial Code (UCC). Learn more about UCC requirements.

    Learn more about a variety of tools, guides and training materials that can help you comply with occupational safety and health laws.

    Be sure to understand all laws and regulations about employee eligibility as you prepare to hire employees.

    Need help determining which laws your small business must comply with? These resources can help.

    NYU Stern #free #business #listings

    #business degree


    Business Degree

    Earn a degree that integrates an exceptional business education with a grounding in the liberal arts

    The Business degree combines a first-rate business education with a broad-based liberal arts foundation to provide you with the skills, expertise, and intellectual sophistication needed to advance in today’s dynamic business environment.

    Throughout your four years, you will be able to:

    • Choose from 11 different concentrations within Stern.
    • Pursue a minor or second major outside of business and take elective courses from across the University.
    • Explore the social and ethical dimensions of business and professional responsibility.
    • Learn from respected business and thought leaders in New York, nationally, and abroad.
    • Gain international experience through semester abroad programs or a short term immersion.
    • Participate in a one-of-a-kind curricular global sequence culminating in the International Studies Program trip.

    Stocks to watch #business #cards #printing

    #stocks to watch


    Unlock full company profiles
    when you join nabtrade

    Login to nabtrade

    Telstra is buying back shares by way of an off-market tender buyback. This notice contains important information on how to participate in the program.

    On Thursday 11 August 2016, Telstra announced that it would return up to approximately $1.5 billion of capital to shareholders in the first half of financial year 2017, comprising a $1.25 billion off-market share buyback and a $250 million on-market share buyback.

    Stocks to Watch

    *Domestic equities, warrants and International trades up to and including $5,000 are $14.95 per online trade. For trades over $5,000, brokerage is $19.95 per online trade (up to and including $20,000). Over this amount, brokerage of 0.11% of trade value per online trade applies. GST applies only to domestic brokerage. All fees and charges are charged in Australian dollars. Each international trade will include a foreign exchange conversion spread on the transaction value. The spread ranges from 0.50% to 0.80%, depending on the transaction value. This is subject to change at any time. For more details on fees and charges refer to the nabtrade Financial Services Guide.

    The nabtrade service (nabtrade) is the information, trading and settlement service provided by WealthHub Securities Limited ABN 83 089 718 249 AFSL No. 230704 (WealthHub Securities), a Market Participant under the ASIC Market Integrity Rules and a wholly owned subsidiary of National Australia Bank Limited ABN 12 004 044 937 AFSL 230686 (NAB).

    Investing through the nabtrade Global Market Trading service is not the same as investing directly. The nabtrade Global Market Trading service is an international share trading, nominee and custody service. Although you’ll be the beneficial owner of the relevant International Securities, the legal interest is held by the Custodian or Sub-custodians and they will receive all communications regarding your investments on your behalf, including notification of shareholder meetings, upcoming corporate events and dividend information.

    NAB doesn’t guarantee the obligations or performance of its subsidiaries or the products or services its subsidiaries offer. nabtrade doesn’t provide personal advice to clients and is available to persons accessing these financial services and products while in Australia. Information has been prepared without taking into account your objectives, financial circumstances, or needs. Before acting you should consider the appropriateness of the information or general advice with regard to your objectives, financial circumstances or needs. Where the information or general advice relates to a financial product, you should consider the relevant Product Disclosure Statement or disclosure documents available at The value of investments and future returns may rise or fall and, at times, returns may be negative. Past performance is not a guarantee of future performance.

    All domestic orders are executed in accordance with our Best Execution Policy. As a result, your order may be executed on Chi-X Australia or ASX order books at a price different from the price quoted on the Trading Site. The information on this site is governed by Australian law and is subject to the nabtrade Client Agreement. terms of use and general advice warning.

    © National Australia Bank Limited. All rights reserved.

    Home based business ideas in India be it part time or full

    #home based business ideas


    Home Based Business Ideas

    Home-based businesses have become very popular these days. Thanks to the rising cost of setting up full-time businesses! The added advantage of any

    home-based business is that the whole affair can be done from the comfort of one’s home. Working from home also implies that whatever one earns is a bonus. Home-based businesses have nowadays become highly preferred options for urban, educated housewives as well as retirees who are looking for fresh avenues from where they can keep on earning money.

    List of Home-Based Business Ideas


    Accountancy is one job that any accountant who possesses necessary experience and requisite license and training can do from home. An accountant can start his/her business by making a flier that details the list of the various services rendered by him/her along with the respective quotations. To be on a safer side, an accountant may begin by providing bookkeeping services for smaller business houses with lesser operations and subsequently, when he/she gets to know the tricks of the trade, they can take on elaborate accounting projects..

    Generally, the work of an accountant entails:

    • Balance Sheets
    • Financial Reports
    • Income Statements

    These can be done monthly, quarterly, half-yearly or yearly. However, the timing is normally determined by the business organization.

    Tax Accounting

    Apart from primary accounting services, one can also focus on tax accounting, an area of work that has a huge potential to grow in the future. In most cases, business owners like to have their books kept by their own staff but look for professional help when it comes to taxes.

    Business Plan Services

    Another lucrative option for accountants can be preparing business plans for start-ups. For people with sufficient experience and knowledge of the business world and its workings, business plan services can be a viable career option. This includes services such as doing market research and coming up with financial statements and business plan texts.

    List of Part time (home based) Business Ideas

    Cleaning Services

    Providing cleaning services is one option that people can do on a part-time basis from their homes. People interested in this business need some capital so that they can recruit workers. There are many directions in which this business can be taken. For people who are willing to offer services during the unusual hours, offices are the most viable options. One can look at retail establishments and focus on particular areas such as localities. Restaurants are great places where one can offer cleaning services since they are so often in need of the day-to-day cleaning. They can provide a steady stream of clients.

    One can also look at houses especially major apartment blocks. One of the major advantages of this business is that one does not need to spend a lot of money on publicity since most of it happens by word of mouth.

    Computer Services

    Providing cleaning services is also a viable option in the part-time business segment. However, experience, certification and a certain level of education are needed in order to be successful. It is also important to have a clear idea of the areas where the prospective clients might want you to focus on. Following are some of the examples:

    • Word Processing
    • Spreadsheets
    • Manipulating Photographs
    • Designs
    • Merging Mails
    • Security

    Home based Business Ideas for Housewives

    Art – Painting, Jewellery Designing and Dress Designing

    One major option that housewives, who wish to earn while being at home, can take on is that of an artist. There are so many ladies who have artistic capabilities but are unable to work full-time because of their domestic responsibilities. However, in their spare time, they can draw paintings and then sell them online either by creating their own websites or through other websites that have a guaranteed clientele. They can also go for other forms of art such as dress designing and jewellery designing.


    Blogging is also one career option that most educated urban housewives have been taking up these days. Apart from being a highly fulfilling endeavour, if properly monetized, it can also yield great dividends. Experienced housewives can also take up the career of bridal consultant, if not wedding management. This is especially for women who love to be part of weddings and have a great eye for detail.


    In case someone is a good cook and specializes in confectioneries such as cakes, pastries, muffins, brownies, even pickles, etc. then it will be a great idea to take that forward. In businesses such as these, it is important to use social networks and social media contacts properly because that is how one generates publicity for one’s work and capability.


    Women with good social skills and high level of education can also become life coaches. Women who have thorough knowledge about yoga can also start their own training classes as per their daily schedules. Educated women who have done specialization in certain subjects; for instance, accounts, mathematics, English or science, may also provide tutorial services either at their home or virtually.

    Home based Business Ideas for Retirees


    For retired people with the requisite experience, consultancy is a great career option. Retirees can use the experience they have gained all these years to help their clients in the respective domains. This will provide them monetary benefit. Overall credibility and little social marketing may help attract more clients.

    People who love animals such as dogs can use their houses, especially if they have large ones, as crèches where owners can keep their pets when they are on the move. However, it is better to get a license and have some experience of having had pets beforehand. This will ensure that one is able to understand the requirements of the pets as well as their owners.

    Dog Daycare and Boarding

    People who love animals such as dogs can use their houses, especially if they have large ones, as crèches where owners can keep their pets when they are on the move. However, it is better to get a license and have some experience of having had pets beforehand. This will ensure that one is able to understand the requirements of the pets as well as their owners.

    Content Services

    Content services are also great when it comes to earning some money while sitting at home. There are different options in this domain that one can choose from, such as copyediting, ghost writing, proofreading, copywriting, indexing, book writing, developmental editing, writing articles for magazines, book doctoring and providing content for web pages.

    Last Update on June 03, 2015

    How To Start Business in India

    Business Top Stories – ABC News (Australian Broadcasting Corporation) #business #web #hosting

    #business articles


    Business Top Stories

    Airbnb regulation concerns

    Sat Sep 03 12:20:21 EST 2016

    A former Tasmanian Liberal minister calls on the Government to back away from regulating the so-called sharing economy.

    Does Australia need lemon laws ?

    Sat Sep 03 06:03:59 EST 2016

    Legal groups are calling for Australia to introduce what is known as “lemon laws” to cover faulty products, including new and used cars.

    BHP boss blasts tax

    Fri Sep 02 23:31:30 EST 2016

    BHP Billiton executive Mike Henry launches a stinging attack on WA Nationals Leader Brendon Grylls’ proposed mining tax.

    Govt funding to board members

    Fri Sep 02 19:48:14 EST 2016

    WA’s Arts Minister approved film funding worth around $1.7 million over three years for production companies owned by members of the Screenwest board.

    ARENA funding

    Fri Sep 02 18:37:45 EST 2016

    Doubts in continued funding to ARENA lead to a two projects being suspended in NSW and WA.

    ASX lower amid US rate hike fears

    Fri Sep 02 18:30:45 EST 2016

    The local market closes three-quarters of a per cent lower, ending a week of losses.

    Overseas funded unit boom

    Fri Sep 02 17:27:29 EST 2016

    An analysis of the banking regulator’s data by UBS shows that foreign banks are the driving force behind the latest phase of the east coast apartment boom.

    Samsung halts exploding battery phone sales

    Fri Sep 02 17:27:29 EST 2016

    Samsung confirms it will halt the sales of its Galaxy Note 7 smartphones after multiple reports of exploding batteries.

    Plans for Uber

    Fri Sep 02 17:16:54 EST 2016

    NT Chief Minister Michael Gunner says he will not change his mind on introducing Uber to the jurisdiction.

    Melania Trump sues news outlets

    Fri Sep 02 15:31:23 EST 2016

    Donald Trump’s wife Melania sues two media outlets that alleged she worked as an escort in the 1990s.

    Tale of two rate cuts

    Fri Sep 02 14:44:05 EST 2016

    When the Reserve Bank cut interest rates by 25 basis points in May, most home borrowers saw the full benefit, but it was a very different story in August.

    CommSec s penalties, refunds

    Fri Sep 02 14:00:30 EST 2016

    CommSec, the brokerage arm of the Commonwealth Bank, pays $700,000 in infringement penalties and voluntarily refunds $1.1 million to more than 25,000 clients.

    Hotel booking shake-up

    Fri Sep 02 13:04:20 EST 2016

    The competition watchdog has reached a deal with travel sites Expedia and to allow hotels to provide cheaper rates to customers booking on the phone or through walk-ins, but not on the hotels’ actual website.

    RBA s club MIT

    Fri Sep 02 10:47:07 EST 2016

    The dominance of graduates from the Massachusetts Institute of Technology at the Reserve Bank is further entrenched with the appointment of Guy Debelle as the new deputy governor.

    Hydro leak unresolved: Treasurer

    Fri Sep 02 10:38:48 EST 2016

    Treasurer Peter Gutwein says he is considering his next move over the apparent leaking of a Hydro Tasmania document.

    US markets flat

    Fri Sep 02 08:33:29 EST 2016

    Wall Street finishes flat, with weak oil prices and sluggish factory activity data limiting the markets’ gains.

    Cape Canaveral explosion

    Fri Sep 02 00:10:03 EST 2016

    A SpaceX Falcon 9 rocket explodes on the launch pad at Cape Canaveral in Florida during a test, destroying it and its payload.

    Apple tax bill crap

    Thu Sep 01 19:32:13 EST 2016

    A $19.2 billion back tax bill served on Apple by the European Union is “total political crap”, CEO Tim Cook says.

    Manta ray controls sought

    Thu Sep 01 19:14:36 EST 2016

    Researchers from Murdoch University call for tighter controls over the manta ray tourism industry at Ningaloo reef in Western Australia’s north-west.

    Market close

    Thu Sep 01 17:22:06 EST 2016

    Australian shares close modestly lower as figures showing retail sales remained flat, while business investments fell in July.

    Ausgrid exception not rule

    Thu Sep 01 16:48:04 EST 2016

    Former Liberal treasurer Peter Costello says the Ausgrid takeover rejection should be the exception to the rule, as Chinese investments have “transformed the living standards of every Australian”.

    Chinese cargo ship released

    Thu Sep 01 15:50:00 EST 2016

    A Chinese cargo ship which was arrested and then detained by Australian authorities for more than a month is now free to go.

    Chinese manufacturing stagnates

    Thu Sep 01 14:21:13 EST 2016

    Both official and unofficial measures show China’s once-booming manufacturing sector remains stagnant amid weak global demand.

    Manufacturing slump

    Thu Sep 01 14:04:43 EST 2016

    A downturn in food and beverage production drives a slump in Australia’s manufacturing sector in August, sending a key measure of activity to its lowest point in more than a year.

    Business investment falls

    Thu Sep 01 12:07:35 EST 2016

    Business investment tumbles another 5.4 per cent in the June quarter to be down more than 17 per cent over the year.


    More from ABC News

    8 Reasons Not to Get a Business Degree – CBS News #business

    #business degree


    8 Reasons Not to Get a Business Degree

    Last Updated Jan 24, 2011 5:46 PM EST

    Business degrees are hot, but you might want to reconsider your decision. Here are eight reasons why you should not major in business :

    1. Business majors don’t learn much in business school.

    That’s one of the bombshell conclusions of Academically Adrift . a new blockbuster bestseller that suggests that 45% of college students don’t learn much of anything in their first two years of college, while more than one out of three students graduate with no improvement in writing and analytical skills.

    Among the students who learn the least in college are social work, education and business majors . In contrast, the researchers found that students majoring in the humanities, social sciences, hard sciences and math do relatively well.

    2. You won’t make as much money as you think.

    When PayScale looked at starting and mid-career salaries of college graduates in dozens of college majors . business came in as the 56th best-paying college degree. It fared worse than such “impractical” college degrees as philosophy . history and American studies .

    3. The job market is crawling with business majors.

    It’s hard to stand out from the crowd when more than one out of every five new college grads is a business major . What you’re telegraphing when you major in business is that you want to make money, but do you have what it takes to some day earn that corner office?

    4. Your quality of life could suck.

    Prominent labor economists examined what Harvard Business School grads were doing 15 years after graduating and certain business majors were having a difficult time juggling career and home life. Here’s a post that I wrote about the study: The Perils of Majoring in Business .

    5. Majoring in business could hurt your MBA chances.

    Not having an undergrad business degree can actually help when applying to MBA programs . At some MBA programs less than 25% of their students possess undergrad business degrees. One study documented that business undergrads actually performed worse in MBA programs than non-business majors.

    6. You don’t need a business degree to work in business.

    You’re kidding yourself if you think a business degree gives you the skills to work in the corporate world.

    A employer survey conducted by the National Association of Colleges and Employers indicates that workplaces most value these three skills that you are usually more likely to find with a liberal arts eduction:

    • Communication skills.
    • Analytic skills.
    • Teamwork skills.

    What’s more, a survey by the Association of American Colleges and Universities found that 89% of surveyed employees said they want college students to pursue a liberal arts education.

    7. You can make more money with an economics degree.

    On PayScale’s list of the highest paying college majors, economics came in No. 10. Engineering majors dominated the rest of the top-paying degrees. Economics is one of the liberal arts so you are more likely to learn how to write and think in college, which is what employers covet in their workers.

    Illustrious econ majors include Warren Buffettt, Steve Ballmer, Ted Turner, Steve Fossett, Henry Kravis, Diane von Furstenberg, Esther Dyson, Bill Belichick and Mick Jagger

    8. Your parents want you to major in business.

    Don’t be a wuss and major in business because your parents are nagging you. If you’re pressured into majoring in business or any other major, studies show that you’ll be less likely to succeed professionally AND financially.

    More on CBS MoneyWatch:

    2011 CBS Interactive Inc. All Rights Reserved.

    View all articles by Lynn O’Shaughnessy on CBS MoneyWatch
    Lynn O’Shaughnessy is a best-selling author, consultant and speaker on issues that parents with college-bound teenagers face. She explains how families can make college more affordable through her website ; her financial workbook, Shrinking the Cost of College ; and the new second edition of her Amazon best-selling book, The College Solution: A Guide for Everyone Looking for the Right School at the Right Price .

    14 Online Business Ideas You Can Start Tomorrow #harvard #business #school

    #online business ideas


    14 Online Business Ideas You Can Start Tomorrow

    Being an entrepreneur doesn t mean you re pigeonholed to open a brick and mortar store to spotlight your skills and make money. The internet offers you a wealth of opportunities to start your own businesses, often with little to no cost. By focusing on your strengths, you ll be able to build a client roster and get your online-based business started.

    These businesses allow you to be a full-time or part-time entrepreneur:

    1. SEO consultant

    Do you know the ins and outs of search engines and have skills in platforms like Google Analytics? The owners of a lot of smaller companies don t realize how much of an impact search engine optimization (SEO) can have on their business. Educate those business owners on the power of SEO to help transform their websites into a more SEO-friendly property. Use your skills to show business owners how to read and use their analytics data the right way, and how to properly use keywords and structure content to get more traffic.

    2. Business coaching

    If you possess a great deal of business experience and knowledge, why not create a business that helps aspiring entrepreneurs find success? You can use your skills to help new business owners get off to a good start and help experienced entrepreneurs keep up with demand. To show off your knowledge and skills and bring in clients, you can also write articles about business on platforms like LinkedIn.

    3. Specialized retailer

    Specialized stores are already a niche profession. When that s the case, it s best to set up an online store to reach those customers who are seeking your specific products. There s an audience for everything, whether it s making dollhouse furniture or creating organic dog food. Through a web-hosting service with an integrated shopping cart feature or with e-commerce software. your business will be operational in no time. Many vendors will even ship products to customers on your behalf, which means you don t need to own a lot of inventory.

    4. Social media consultant

    Larger companies can hire an agency or full-time staff member to run their Facebook and Twitter accounts, but small businesses often have to handle their own social media marketing. With so many responsibilities, business owners are often too busy, overwhelmed or undereducated about the importance of social media to spend time developing and implementing a great social media strategy. As a consultant, you can help them determine the best tactics, posting schedules and content for their target audience. As their follower count grows, so will your business.

    5. Web design

    There s nothing more off-putting than a poorly designed website, and often, it kills credibility. If you know some HTML and have a good eye for design, you can launch a service to create attractive, easy-to-use websites for small businesses. Put your skills to good use for business owners who want to take their online presence to the next level. Build a comprehensive portfolio, and then create your own website to show it off and attract a steady stream of clients.

    6. Resume/cover letter writing

    It s a tough truth to swallow, but a standout resume and cover letter can make all the difference when you re applying for a job. While listing career accomplishments might seem like an easy task, the fine art of humble bragging eludes some of us. Find work by helping others to get hired with the aid of stellar resumes. Capitalize on the increasingly important social media branding bandwagon and offer to fix LinkedIn profiles as well.

    7. Assistant/task manager

    Do you have impeccable organizational skills? What about cleaning skills? Can you quickly and efficiently carry out these tasks? Maybe it s time to put those skills to good use by becoming an online personal assistant or task manager. Companies like TaskRabbit or Zirtual allow you to sign up for tasks you want to complete including data research, virtual assistant or running errands and begin building clientele.

    8. Professional freelancer

    You might not think of freelancing as a business, but with more and more companies turning to part-time contract workers to fill their skill gaps, it s not hard to imagine making a living providing businesses with a variety of freelance services. Depending on your skill sets, you could work for multiple companies in a variety of fields that offer you flexibility and a refreshing change of pace. According to the freelance job listing website tech services, content creation and web design are popular fields for contract work.

    9. Affiliate marketing

    If you re a person who loves leaving customer reviews on sites like Amazon, stop doing it for free. Word-of-mouth advertising is still a huge lead generator for many companies, and a lot of businesses are willing to share a portion of their profits with persuasive individuals who will promote their products to the public. If you have a personal website with a large following, this might be easier to accomplish (PR reps are always seeking out brand advocates they can send free samples to Smart Passive Income breaks down three types of affiliate marketing and explains which one is most profitable.)

    10. eBook author

    Achieving authorship is easier than ever. With e-readers now a staple in most households, self-publication has become a reality for many writers who might never get picked up by publishing companies. With the right marketing tools, you can successfully publish your own books on anything from cooking and weight loss to real estate. Hectorpreneur s advice from successful e-Book authors offers tips for writing content that sells.

    11. Remote technical support

    Many small businesses don t have room in their budget for a full-time IT employee, so when their systems go on the fritz, they ll usually call a computer-savvy friend or family member. If you have experience working on computers and networks, you can eliminate their need to call in a favor and offer immediate remote technical assistance.

    12. Virtual-consignment store

    Bargain hunters and thrift store enthusiasts can turn a nice profit reselling their vintage clothing finds. Brand yourself by setting up an independent website as your virtual storefront, but use a managed service like Google Checkout to handle transactions. High-resolution images and catchy copy for your products will make you stand out in the sea of internet users trying to sell their used items.

    13. Handmade craft seller

    Online sites like Etsy and ArtFire are platforms that make it extremely easy for crafters who can produce a steady supply of quality handmade items, like crocheted blankets or unique painted glassware. Startup costs are extremely low if you purchase your materials in bulk from a craft supplier, and if you can turn around orders quickly, you ll be making a profit in no time at all. It s even possible to turn your store into a full-time gig.

    14. App development

    Mobile applications are more popular than ever, and people are willing to pay good money for ways to manage their lives from their smartphones. If you have a great idea and happen to know coding, you can run with it and create your app yourself. If you just have an idea and don t know the ins and outs of how to turn it into a reality, there are plenty of software developers looking to collaborate with people on app creation.

    Additional reporting by Nicole Taylor.

    Shannon Gausepohl graduated from Rowan University in 2012 with a degree in journalism. She has worked at a newspaper and in the public relations field, and is currently a staff writer at Business News Daily. Shannon is a zealous bookworm, has her blue belt in Brazilian jiu jitsu, and loves her Blue Heeler mix, Tucker.

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  • How to Create an Excellent Business Plan #business #idea

    #business plan


    How to Create an Excellent Business Plan

    See how to craft the 3 most important parts of a business plan: the financial plan, the marketing projections and the executive summary. Before that, you must understand the concept of the plan.

    A business plan is a management tool that acts like a guide when you need to plan a new venture, a market action or even expand your business. With a business plan in hand, an entrepreneur is able to better understand the situation they’re in, and will be able to determine which strategies to adopt in which moments, primarily when planning out their future actions.

    Where to start?

    To start out with, there aren’t any rules that should be strictly followed when creating a business plan and the entrepreneur shouldn’t be worried about failing or succeeding. The starting point should be defining your venture. The clearer the foundation, the easier it’ll be to continue the work you just started.

    In general, a business plan comes with the following structure:

    • Details of the venture
    • Business sector
    • Products or services to be offered
    • Target audience or potential consumer market
    • Capital required
    • Monthly revenue estimates
    • Forecast of how long it’ll be before the invested capital can be returned
    • Partners and entrepreneurs involved, their positions, and a description of their respective jobs

    Business Plan and Business Model

    A lot of entrepreneurs have a hard time understanding the difference between a business plan and a business model. To a lot of people, these two documents look like the same thing. However, they are fundamentally different. The business model is an objective document that aims to present a thorough analysis of a company’s concept, so as to evaluate the very idea’s viability.

    The business plan, on the other hand, is a more elaborate document that comprises all the information, calculations, and analyses that demonstrate the business’ viability. It should include the steps involved and the investment required to set up the company – alongside expenses, revenue, and return on investment forecasts. The business plan is important because it’s the document that can be given to potential investors.

    Both documents should be drawn up harmoniously and should reflect the same strategic planning, seeing as the information contained in one will directly influence the other.

    Financial Planning

    Financial planning is another important point. With it, you can determine the expenses and investments involved in setting up and then keeping the business operational. You should also establish the working capital and where this capital will come from – you or a loan. In the financial plan, you should also include the profitability and the sales forecast, as well as the cost of production up until sale. These are indispensable to a business plan. They illustrate the financial situation of the future company.

    Marketing Projections

    One of the most important parts of the business plan is the marketing projections, because is in this section of the plan that you are going to show which ways your business will follow and how you ll manage to do that. For that to happen is important to have real data about you industry and is even better when you already have experimentations about sales and revenues per channel that you ll use.

    If you want to make an excellent business plan, define the marketing and advertising strategy you intend to use. Evaluate your costs, which communication channels were chosen, and the return on each one.

    Executive Summary

    The third most important part is the executive summary. I suggest that you make an effort to fit this entire section in just one page. The thing here is that you want to keep the attention of the reader on the business plan and make him eager to read and analyse the rest, so be succinct as possible.

    Temporal Horizon

    The financial projection should cover a period of about 3 years. Beyond that point, it can be complicated to make realistic projections, especially in today’s rapidly changing market. If you’re in need of third-party investment, it might be necessary to create a plan with a larger temporal horizon (should the bank request it, for example). Even if the financial resources are coming out of your pocket, it’s still important to establish an initial strategy in order to make sure that the business functions properly and pays off your initial investment.

    This post was written to present the reader with the basic concepts of a business plan. However, it’s important to remember that good ideas and a team that understands the business sector are essential to the success of your investment.

    Este post também está disponível em: Portuguese (Brazil)

    Share with your friends:

    Free Business Plan Samples #business #news #articles

    #business plan


    Free Sample Business Plans

    Get inspired with our gallery of over 500 example business plans. Choose the category that is closest to your own business or industry, and view a plan you like. LivePlan includes all 500 business plan samples, so you can easily reference any of them when you’re writing your own plan.

    Popular Business Plan Categories

    Restaurant, Cafe, and Bakery (46)

    46 free business plans for restaurants, cafes, bakeries, and other eateries.

    Medical and Health Care (26)

    26 free business plans for doctors, medical billing companies, chiropractors, dentists, hospitals and more.

    Retail and Online Store (116)

    116 free business plans for clothing stores, online stores,
    e-businesses, gift shops, eBay and more.

    Services (216)

    216 free business plans for accountants, insurance agents, self storage businesses, cleaning services and much more.

    Find the sample plan you need

    Other Categories

    How to use a sample business plan to write your own plan

    If you’re like most small business owners, you’ve never had to create a business plan before. In fact, you may have never even seen a formal business plan document let alone had to put one together.

    This is why we gathered this collection of sample plans for you here on Bplans. Our business plans can give you a great sense of what a finished plan looks like, what should be included, and how a plan should be structured – whether you’re building a plan for investment or just to develop a better strategy for your business.

    But, building your own plan isn’t as simple as just cutting and pasting from someone else’s plan. In fact, if you do that, you will be doing yourself (and your business!) a huge disservice. Here are a few tips to get the most out of our sample business plans and build the plan your business needs to succeed.

    Find a plan from a similar industry to your business, but don’t worry about finding an exact match. In fact, you won’t find an exact match for your business. That’s because every business is as unique as its owners and managers. Every business has a different location, different team, and different marketing tactics that will work for them. Instead of looking for an exact match, look for a business plan that’s for a business that operates similarly to how your business will work. For example, a business plan for a steak restaurant will actually be useful for someone starting a vegetarian restaurant because the general concepts for planning and starting a restaurant are the same regardless of what type of food you serve.

    Use the sample plans for inspiration and ideas. Staring at a blank page can be the worst part of writing a business plan. In fact, that’s probably the reason that’s preventing you from getting started right now. Instead, take advantage of our sample plans to avoid writer’s block. Feel free to copy words, phrasing, and the general structure of a plan to start your own. Also, as you read through several plans, you might find ideas for your business that you hadn’t considered. Use our plans for inspiration and ideas, borrow phrasing when it makes sense, and just get going!

    Write a business plan that’s right for your business. As tempting as it is, don’t just cut and paste from a sample plan. Any banker or investor will be able to tell from miles away that you copied someone else’s plan. Not only will you be less likely to get funding if you copy a business plan, you’ll be greatly reducing your chances of success because you didn’t write a plan that’s right for your specific business, its specific location, target market, and your unique product or service. Thinking through how you are going to launch your business is a critical step in starting a business that you shouldn’t let go.

    The value of business planning is in the process, not the final document. By creating your own business plan, you are going to have to think about how you are going to build your own business. What marketing tactics are you going to use? What kind of management team do you need to be successful? How is your business going to set itself apart from the competition?

    The process of writing a business plan guides you through answering these questions so that you end up with a strategy that works for your business. You will also end up with a plan that you can share with business partners, investors, and friends and family. Sharing your vision and your strategy is the best way to get everyone on the same page and pushing forward to build a successful business.

    Use your plan as a management tool and build a better business. When you’re done with your plan and your business is up and running, your plan shouldn’t just end up in a drawer. That would be a huge waste of all the time and effort you put into your strategy, budgets, and forecast. Instead, using your plan as a tool to grow your business can be one of the most powerful things you can do to grow your business. In fact, businesses that use their plan as a management tool to help run their business grow 30% faster than those businesses that don’t.

    To use your business plan to grow 30% faster than the competition, you need to track your actual results – the sales that you get and the expenses that you incur – against the goals that you set out for yourself in your plan. If things aren’t going according to plan, perhaps you need to adjust your budgets or your sales forecast. If things are going well, your plan will help you think about how you can re-invest in your business. Either way, tracking your progress compared to your plan is one of the most powerful things you can do to grow your business.

    Need more? Check out our philosophy on lean planning and download a free business plan template to get your business started.

    LivePlan makes business planning easy

    MOO MiniCards #internet #business #ideas

    #custom business cards



    What you can do with MiniCards

    When advertising products at events, Perch create MiniCards, each with a trackable code. Potential customers grab a card and use the unique code to try out the software. Not only is it a great promo tool, but Perch can track their most successful events. Smart!

  • Whether you’re selling your products in person or online, adding a little branding in the form of a MiniCard can be a useful tool. It helps people remember your store, gives your customers something to share, and if you add a little flair like Tamar. your cards become something to keep!

    Half the size, but twice as nice!

    MiniCards: event cards, name cards, mini business cards. swing tags, gift tags, save the dates, promotional cards and cards to show off your photography or design.

    MiniCards might be little, but they do pack a mighty punch! With a variety of different uses. it’s sometimes tricky to list them all.

    Unique in size and shape MiniCards work well with Printfinity. our option to print a different image on every card in a pack. Fan them out and ask people to pick a favorite, or place them in with customer orders as a cost effective way to brand your products.

    Printed on thick paper stock and finished with a matte laminate, the cards have a smooth satin feel. They’re smart enough to promote your brand. and a fun way to open up a conversation.

    The MOO Promise

    We’ve never thought ‘satisfaction guaranteed’ was the most inspiring phrase. We’d like you to be satisfied of course, but we’d prefer it if you were absolutely thrilled beyond words with your order. We take great pride in our work, and we want you to feel the same about yours. So, even for the tiniest of typos, we’ll move heaven and earth to make sure you get exactly what you want – or your money back!

  • Business plans and templates #new #business #loan

    #business plan


    Business plans

    A business plan gives an outline of your business, the market in which it will operate and how it aims to make money – and should answer this question: why will your business succeed when so many others fail?

    We can help you answer this during our Enterprise programme, which provides you with the skills, tools and confidence you need to become your own boss. But, there s no reason why you can t start putting pen to paper today.

    Download our templates and financial tables to help you get started.

    Top Tips

    Be concise

    It’s really important that potential investors can understand what your business is all about from a quick glance at your plan. Make sure you include a summary of your business, and how it will make money right from the start, and use simple language throughout.

    Be specific

    Being specific is just as important as being concise. The details will help you drill down into how you will actually deliver your plan.

    Know your market

    A big part of knowing whether your business will be successful is understanding your audience. Make sure your plan is clear about your target market – who will you be selling to and how many other companies are already selling similar products?

    Know your finances

    The other essential part of a business plan is the finance section. If your business isn’t going to make any money, it won’t be successful so you need to be very clear on how you will make a profit. Use it to your advantage – y our plan will be incredibly useful when it comes to securing loans and investment, but that’s not its only use. It’s also a personal tool to help you understand your objectives.

    Don t try and do everything on your own, join our Enterprise programme today .

    In the media: Laura Roberts, CEO Pantheon Enterprises and Austin Business Journal

    #austin business journal


    In the media: Laura Roberts, CEO Pantheon Enterprises and Austin Business Journal

    Austin Business Journal “Face 2 Face” speaker series with Laura Roberts, CEO, Pantheon Enterprises

    Chad Swiatecki
    Staff Writer Austin Business Journal

    To become the successful CEO of a forward-thinking chemical company, Laura Roberts had to go from grade school to the school of hard knocks.

    During the Austin Business Journal’s monthly Face 2 Face series event Tuesday at Whole Foods Market Inc. s Austin headquarters, Roberts talked about the journey from teaching, which had been her lifelong passion, to leading Phoenix-based Pantheon Enterprises. The company, which has about 50 employees and customers such as Vista Outdoor, is innovating in the world of manufacturing chemicals by creating new formulas that have no negative impact on health or the environment.

    Roberts became involved in the business world by helping to manager her father’s small but unprofitable cleaning chemicals business after his death, learning that she’d have to turn the company in a new direction for it to survive. Concern over the negative effects of many industrial chemicals, and concern over the world her children would inherit, caused her to take a green approach to the business.

    “When I was younger I was a tree hugger and I had a Kill Corporate America T-shirt,” she said. “But a big shift happened when I realized how much good we could do. The real bulk of the work is figuring out how you get people to change.”

    Launching a whole new company wound up being the best strategy for making Roberts’ newfound passion a reality, but it wasn’t easy. She said she was denied by potential investors 300 times before she found one that believed in her vision.

    “Only take money from shareholders who are purpose-aligned with you,” she said of turning down term sheets from venture capitalists who wanted almost immediate liquidity. “Not having that can kill the deal, or you later have to sell to get out from under them.”

    Holding tight to her vision and belief that industrial companies can operate in an environmentally friendly way led Forbes magazine to call Roberts “The Toxic Avenger” in a company profile. She has embraced that characterization because it helped bring attention to the cause that Pantheon is trying to further.

    “You’re in business to maximize shareholder value, but we’re trying to raise the discourse,” she said. “If you’re building profits on the backs of the general population then you’re not really approaching it right. The more transparent you are, the more your shareholders love you.”

    Project Proposal Template – Download Free Sample #window #cleaning #business

    #business proposal template


    PandaTip: This project proposal is written in the context of a contractor placing a bid with a company that has indicated that they need a project completed. There could be a number of factors at play here. Others may be bidding against the contractor or an informal opportunity may have arisen based on the relationship between the contractor and the company that requires the project. Regardless, it is important to keep those contextual factors in mind when putting together your project proposal

    Project Proposal Template

    PandaTip: This is an introduction of your company and its people. Of particular interest here is the who, what, and where but it might be a good idea to create a bit of a narrative to separate yourself from the pack. Talk about your company’s history. Tell its story. The best way to sell yourself in any context is to create a narrative with your project proposal that appeals to the party that is deciding whether or not to use your services.

    PandaTip: Since you are bidding on a particular project, it would be a good idea to highlight those skills that will make you valuable above everyone else on that particular project. Describe your expertise and how those skills apply to specific stages within the project. Open up your portfolio and share other work you have successfully completed that is similar to that within this project proposal.

    PandaTip: Of course, this is be the most important part of any project proposal and what is most likely to be the sticking point between the parties getting a deal done. Start up a dialogue with the person potentially hiring you and come up with a bid that works for the both of you. Be creative, though…there are plenty of ways to get paid: Hourly Rate a simple arrangement where you get paid per hour worked and they periodically pay in set time increments (e.g. weekly, monthly); Flat Fee no matter how many hours are actually worked, you receive a certain fixed payment; Hourly Rate (Capped) hourly rate, as described above, except there is a maximum in total payments made to the contractor; Equity receiving ownership in the company in exchange for the completion of the project; Profit Share receiving a percentage of profits from a certain source, usually the result of the completion of the project; Combination any combination of the above methods.


    This Independent Contractor Contract (the “Contract”) states the terms and conditions that govern the contractual agreement between [COMPANY] having its principal place of business at [COMPANY ADDRESS] (the “Company”), and [CONTRACTOR] (the “Contractor”) who agrees to be bound by this Contract.

    WHEREAS, the Company is planning to conduct [PROJECT], [DESCRIBE PROJECT] (the “Project”); and

    WHEREAS, the Contractor agrees to manage the Project according to the terms and conditions herein.

    NOW, THEREFORE, In consideration of the mutual covenants and promises made by the parties within this Contract, the Company and the Contractor (individually, each a “Party” and collectively, the “Parties”) covenant and agree as follows:

    PROJECT DUTIES. The Contractor and the Company agree and acknowledge that the Parties shall perform all Project duties as described on Exhibit A attached hereto.

    PandaTip: When working together on a project, the most important thing above all else is to have your responsibilities delineated. Each party should know exactly what it is that they are responsible for in the completion of the Project. Also remember that legalese is not important for this description of duties. All that matters is that everyone clearly understands the role they need to play in getting the project done.

    PAYMENT. The Company shall pay the Contractor [AMOUNT] in consideration for the performance of the duties described herein. Payments shall be made in [TIME FRAME] increments and according to the schedule attached hereto as Schedule B.

    PandaTip: See the PandaTip on the project proposal cover page that explains the different methods. The schedule might not be necessary depending which method you are using.

    TERM. The term of this Contract shall last from [START DATE] to the satisfactory completion of the Project, as determined solely by the Company.

    PROPRIETARY RIGHTS IN THE PROJECT. The Parties acknowledge that this is a Work for Hire and agree that the Company will hold all intellectual property rights in the Project including, but not limited to, copyright and trademark rights in any deliverables pertaining to the Project. The Contractor agrees not to claim any such ownership in such intellectual property at any time prior to or after the completion of the Project.

    PandaTip: This clause ensures that the Company (and not the Contractor) will hold all intellectual property rights in the project as that is the most typical arrangement. However, depending on your arrangement, as the Contractor, you may want to hold such rights. This is the clause that may have the longest lasting effect on the benefits that flow from this arrangement so be sure to think this through.

    EXPENSES. The Parties agree and acknowledge that the Contractor shall bear all expenses that the Company does not agree to bear in writing. If the Company does agree to bear such expenses, the Contractor shall present receipts or invoices in order to receive reimbursement.

    NO MODIFICATION UNLESS IN WRITING. No modification of this Contract shall be valid unless in writing and agreed upon by both Parties.

    APPLICABLE LAW. This Contract and the interpretation of its terms shall be governed by and construed in accordance with the laws of the State of [STATE] and subject to the exclusive jurisdiction of the federal and state courts located in [COUNTY], [STATE].

    IN WITNESS WHEREOF, each of the Parties has executed this Contract, both Parties by its duly authorized officer, as of the day and year set forth below.

    16 of the Most Creative Business Card Designs From Agencies #selling #business

    #business card design


    16 of the Most Creative Business Card Designs From Agencies

    The business card isn’t dead yet.

    As long as there are parties, industry events, and networking opportunities, there will be business cards. And it’s important that yours isn’t thrown to the bottom of the pile because of a lackluster design.

    Whether you work at a bigwig agency or as a freelancer, your business card should make a memorable first impression. To help you out on the inspiration front, we’ve compiled a list of 16 top-notch business cards from agencies and designers around the world. Ranging from artistically elaborate to decidedly simple, these examples are certain to inspire your next business card redesign.

    16 Inspiring Business Card Design Examples

    1) Aurora

    Featuring a botanical illustration of tropical blooms and a clean sans-serif font, these business cards from Aurora certainly make a stylish first impression. The South African studio specializes in whimsical artwork and design, so it’s fitting that their business cards reflect their unique skill set. The cards were designed in-house and include gold embossed details.

    2) Chomp

    In a literal interpretation of the company’s name, London-based agency Chomp designed business cards with a bite-size chunk missing from one corner. The shape of the card stock mimics the detail of their logo — which also bears teeth marks.

    3) Matheus Dacosta

    Brazilian designer Matheus Dacosta puts an artistic spin on traditional business cards, adding kaleidoscopic, hand-painted designs to every individual card. Each miniature work of art is sure to make a memorable impact — or at the very least, make the recipient reluctant to simply toss it.

    4) Nymbl

    Nymbl. a 3D design and virtual reality studio, wanted to project a more accessible, playful image in their new marketing materials. To get the job done right, they turned to UK-based agency Big Fan. who spun up a bold, two-tone business card design concept as part of their new branding. The cards feature paper cut-outs on royal purple stock.

    5) Wendigo

    This video production agency may get its name from a spooky folk creature. but the quality of their business card design is far from terrifying. Designed by the talented folks at The Distillery. these unusual cards put the focus on meticulously detailed, embossed illustration: a feather, a piece of wood, and a beastly skull can be seen behind the contact information. A pair of interlocking antlers — presumably from the feared Wendigo itself — form the “W” in the agency’s name.

    6) Katsy Garcia

    Illustrator and graphic designer Katsy Garcia whipped up this simple but effective business card concept for her own personal branding. Instead of displaying her contact information in the usual straightforward format, Garcia serves up a fresh twist, displaying hers in an instantly recognizable text message composition. The resulting effect is equal parts charming and sharply clever.

    7) Omelet

    In a nod to their native L.A. Omelet created business cards centered around sleek city imagery. The photographs are artfully silhouetted by their company logo — which if you look closely, is actually an ambigram .

    8) Counter Creatives

    Designed to resemble a classic take-a-number ticket, this inventive business card was devised for Dutch agency Counter Creatives by designer and art director Valery Overhoff. The compact format and unconventional shape called for a creative use of space, and Overhoff manages to feature multiple typefaces and both vertical and horizontal text.

    9) IS Creative Studio

    Thanks to airy swipes of neon spray paint, these otherwise minimal business cards from IS Creative Studio make a big impact. The Peru-based agency has developed three iterations of these award-winning cards, increasing the breadth and intensity of the color pallette each time. This most recent version highlights everything from electric pinks to vibrant greens.

    10) Confetti Studio

    These business cards from Confetti Studio combine two powerful elements — punchy orange card stock and gold embossed metallics — to a create a mesmerizing and modern effect. One side of the card is completely covered in gilded speckles, while the other side displays the agency’s logo and contact information — also gilded. They fittingly call the end result “cardfetti.”

    11) Tricota

    Buenos Aires-based agency Tricota found an interesting way to highlight the two sides of their business: perforated cards that split in half. Once side features information for their communications and graphic design services, while info for their illustration services appear on the other side. Each half includes a variation of their “T” logo: a typeface “T” for their communications side and and an hand-drawn “T” for their illustration side.

    12) Tait

    When this design studio wanted to give their corporate identity a facelift, they turned to fresh card stock in yellow, smokey blue, and azure. Using minimal text against a sophisticated color palette yields sleek results.

    13) Claire Bruining

    Graphic designer Claire Bruining developed these playful business cards for her own personal branding. Splashes of overlapping patterns and colors appear on one side, and Bruining’s contact information appears on the reverse in a clean sans serif font. The dark blue text and border adds an unexpected pop to the basic layout.

    14) Don’t Try Studio

    Monge Quentin, the Parisian illustrator behind Don’t Try Studio. created these lively and colorful business cards to promote his design work. Thanks to an embossing technique, the face of the cards are embellished with confetti-like brush strokes and shapes in a muted orange and blue color scheme. His name appears in a handwritten print.

    15) Bespoke

    The logo on these business cards for digital production studio Bespoke is so large, it actually wraps around from the front of the card to the back. A fellow New York agency — Studio Newwork — designed these cards to be both minimal and unexpected.

    16) Atelier Irradié

    At first glance, the face of these Atelier Irradié business cards look like otherworldly color swatches. In stark contrast to the metallic, jewel-toned gradient on the front, the back of these cards don’t even use ink — just simple, imprinted text displaying their contact information.

    Designing a Business Plan for Your Creative Business – Amanda Genther #business

    #business plan outline


    Designing a Business Plan for Your Creative Business

    Most creatives probably tremble at the thought of creating a business plan, and most likely keep pushing it to the back burner until eventually they need one and throw something together that isn t complete. I m going to show you an easier way to go about creating your business plan, with basic steps that shouldn t be too daunting, if you take them one at a time.

    So, what is a business plan?

    A business plan is meant to guide your business in the right direction and document your thoughts and ideas for your business. It s a structural tool that can keep you, your employees and your business on the correct path. The first purpose of a business plan is to identify the aspirations of the business. Second, it s needed to determine if these aspirations are feasible in the current economy. Third, your business plan is needed to outline the steps you will take to reach your main objective. When I create my business plans, I like to lay it all out there first, and then start to remove pieces that are irrelevant. Think of your business plan as writing a book; you ve determined the ending, but now you need to fill in how you will reach that desired ending. You will want to be able to hand this business plan over to investors, peers, banks, attorneys, etc, so it s important to keep a defined look. But, since we are creatives, don t be afraid to play with the layout and colors, just don t get too crazy! Keep it readable, clean and professional.

    The basic elements of a business plan

    1. Executive Summary this is a one-page nutshell of your business. It includes the background behind your business, your mission, your vision and your tagline/message (if you have one). Keep it short and to the point. The rest of the business plan will go into much more detail.

    2. Target Customers/Ideal Clients this is where you will explain who your business is targeting, who your ideal clients are; their personalities, what they like to do, how old they are, their income level, how much they are willing to spend on your products and/or services. A survey is definitely a good idea to help gather information on your ideal client.

    3. Competition/Competitive Advantage this is where you will detail who your competitors are, what their strengths and weaknesses are, their business structure, and your competitive advantage, or what makes your idea better/different than theirs.

    4. Human Resources if needed, this is where you will document what staff you will need to run your business, what their skills need to be, how much experience, how much you can afford to pay them, etc. I did not need this section on my business plan, because I do not plan on having any staff in the near future. When the time comes, I will definitely add this section to my business plan. It would be wise to add an intern description here, if you plan on having an intern soon. This would layout the groundwork for what they would be responsible for.

    5. Vendors/Supplies this is where you will determine what outside sources will be needed to run your business. Are there any products that you must purchase on a weekly basis (jewelry supplies, paper) or do you use certain products for your clients (USB drives, cards, shipping, boxes/packaging materials)? Put all of these items here, their costs, what category they fall under (supplies, client gifts, packing/shipping, etc). You will need these for you financial plan later, but this section will detail each of the costs.

    6. Marketing Plan this is where you will show how to get your products and/or services in front of your ideal clients. What social media profiles are they on, are they bloggers, do they read certain blog, do they attend conferences? All of these things will help you figure out where, when and how to find your perfect customer. Your marketing plan is actually an entirely different document outside of your business plan, but laying out the general ideas here is great.

    7. Operations this is where you document how to get the job done in the most efficient way. What are your routines for your projects? What order do you follow from the first time you talk to the client/customer to when the client/customer has the final product delivered to them? Describe your operations as if you were teaching 5,000 people how to work at your company. Document everything.

    8. Financial Projections this is where you determine how much money you need to open/run your business and where you will get this money from. Most creative businesses are able to start their companies on smaller budgets, because they tend to not need real estate, and already own the large equipment needed to get the business going. Put your financial forecast on here; how many products do you want to sell, how much do each of your products cost, what is the yearly total? How much did you spend on supplies? What is your profit for the year? You want to be able to show an investor why and how your business is going to make money, so be realistic.

    A visual representation

    Now what?

    I recommend taking the business plan one item at a time. Schedule a time every Sunday where you tackle a part of the business plan. Or, if you are feeling really ambitious one night, tackle a couple of them. Either way, don t stress yourself out. If you aren t in a business planning mood that day, then don t do it. Plan time when you can concentrate and your brain is able to think long-term.

    Some tips:

    Write the business plan in your own voice. No need to be stuffy, you are a creative and the person you are presenting this business to will already know that. Creatives are great at creating their own unique voices and styles, so make sure you show that here.

    Keep your business plan versatile. It is very likely that it will change as your business grows, so be sure to document these changes.

    Stick to it! You should know your business plan inside and out, almost like a very long elevator pitch. When you make decisions for your business, you should take your business plan into account.

    Want to see exactly how I ran my business in 2013?

    If you’re just starting your business. this is a fantastic tool to see how much work goes into running a business every day, every week and every month. It’ll also give you a jumpstart to get the crucial things done that you absolutely need in your business.

    If you’ve been in business for a year or two. this guide will help you measure up and see what you could be doing different. You could even take some of the ideas presented in this book and apply them to your own business.

    Dallas business journal #business #name #ideas

    #dallas business journal



    В двух словах Dallas Business Journal is the region’s leading source of business news and information

    Коротко о себе Founded in 1977, Dallas Business Journal is the leading source for local business news, research, and events in the DFW area. It s our mission to be the dominant and most trusted source of business news in North Texas. We provide value to our constituents by helping them grow their business, make money, and grow their careers through a comprehensive set of vehicles, which include print, digital, and events.

    In addition to our weekly print publication, we also offer a digital edition, the annual Book of Lists, free Daily Email Update and other industry specific newsletters, and networking and awards events including the Best Places to Work, 40 Under Forty, Best Real Estate Deals, and Women in Business.

    We are a division of American City Business Journals, the country s largest publisher of business publications. It is owned by Advance Publications, a private publishing company that also owns Condé Nast magazines and Newhouse Newspapers.

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    Business Development—The Polar Opposite of Sales – Bernie Brenner #business #schools

    #business development


    Bernie Brenner

    The biggest challenge today s burgeoning companies face is understanding the difference between sales and Business Development (BD). Many companies think they are the same, and as a result they struggle with embracing the BD mindset. In fact, corporate executive titles such as VP of Sales and Business Development clearly demonstrate that some companies do not know the difference, as they have salespeople attempting to manage their BD effort. They treat it no differently than a sales effort and build their operations and incentives as though BD was a sales function. That is why their efforts always have failed results. To be successful at BD, keep the following points in mind.

    1. In a BD Deal, Everything is Different

    The first step is to acknowledge that there is a difference between sales and BD. While BD helps accelerate sales, BD is not sales.

    In sales, there is a transaction—goods are exchanged for dollars. There is no transaction in a BD deal. In BD, you are not selling tangible products and services to another company. You are proposing a partnership in pursuit of bigger untapped opportunities. In fact, BD is the polar opposite of sales.

    The BD mindset is about selling a vision of the future to an industry giant—your sumo partner—with whom you wish to collaborate. It is about defining what you and your partner can do together that neither of you are doing today in order to better serve your current and future customers. In turn, this means exponential revenue growth for both companies.

    The biggest difference between sales and BD is in the dynamics that exist around selling (which is focused for revenue growth today) versus BD (which is focused around growing your revenue through strategic relationships for tomorrow). Since BD is not sales, your interaction with your potential sumo partner is not governed by a sales transaction—you are not fighting for a signature on an invoice because there is no exchange of goods for money.

    2. Clarity in a BD Deal Can be Your Biggest Downfall

    Marketing communications experts tell you that in business, the clearer you are about your message, product or service, the more successful your company will be. While this may be true in a sales environment, the exact opposite is true in BD.

    In BD, the right amount of ambiguity can be your greatest strength. Strategic ambiguity is your goal during the BD pitch process and throughout most of the negotiation phase. As you are presenting your vision for a partnership with your potential sumo company, the last thing you want to do is to be overly specific about what you are proposing. You may think that this contradicts everything you have heard from sales and marketing gurus. Exactly! That s because BD is the polar opposite of sales.

    Remember, in BD it is about identifying how the two companies come together to create the greater opportunity. Ambiguity is critical when positioning the sumo for the deal because it accomplishes two goals. Ambiguity entices your potential sumo to want to learn more, and it protects your BD strategy. By withholding specifics in the courting process, it minimizes the possibility of your potential partner to say “no,” and it protects your company from collateral damage should your potential partner go to your competitor. They cannot use your BD strategy against you if they do not have all the details. That’s why clarity can be your biggest downfall at this stage. Ambiguity, however, holds everyone’s attention. By holding back information, rather than disclosing your coveted BD plan, you keep them engaged.

    3. Reel in the Big Fish

    Think of the BD process in fishing terms. When reeling in a big fish, you want to attract its attention with some bait—something very attractive. Once the fish decides to take a nibble, your goal is to get it on the line without breaking the line. If the line breaks, you have a “no.”

    Keeping the line intact takes sharing bits and pieces of details about your deal’s potential. In fishing terms, this process of drawing the fish near is called “chumming.” You need to let up a little to give your sumo partner (or fish) time to go away and assess what this deal would mean for their organization. Then you check in and drop another detail that piques their interest, all the while driving them toward the boat where you’ll catch them in a net. What you don’t want to do is put some tasty bait on the line and then start reeling in the line as fast as you can before they’ve even come close enough to sink the hook. That’s a sales approach, not a BD strategy.

    Partners need enough information about the proposed project to be interested, but if you overwhelm them, they will start swimming in the opposite direction. Then you are left with nothing and the fish is still in the water and is still hungry—and still open to tasting bait dangled by other anglers. The only thing worse than a sumo walking away from your deal is that same sumo deciding to partner with your largest competitor. That is why you need to keep your BD strategy close to your chest. If you unfold the details early in the game, then your sumo can shop around to the competition. So keep the information vague until you have the fish on the line, virtually swimming toward the waiting boat as you lead it along.

    Use the BD Effort to Grow Sales

    While sales and BD are polar opposites in terms of how each achieves its goals, BD helps grow sales by giving the sales effort a unique and distinct advantage. In BD, there isn t a transaction that governs the relationship, nor is BD governed by an invoice or a contract. However, the BD deal will monumentally grow the revenue of both companies far beyond that of what any gorilla sales effort alone can achieve.

    Share this Story

    Business planning – Canada Business Network #memphis #business #journal

    #business plans


    Business planning

    Find out how to write a business plan and access templates, sample business plans, market research information and statistics.

    A business plan is a valuable tool for every business owner, whether you are starting up, have been in business for years, or are ready to grow.

    Know what elements are considered essential in any business plan and the key points that should be included in each section of your plan.

    Find sample business plans, free templates, writing guides and interactive tools to help you develop a professional business plan.

    Find the answers to questions often asked about preparing a business plan.

    Is your business ready to handle emergencies? Find out how to prepare and implement a business continuity plan.

    Find the right strategy for selling your business or handing it over to someone else.

    Learn more about market research, how to conduct it, and where to find free information and statistics to support your market research project.

    Are you ready to start a business to further your non-profit organization’s mission or generate income to support its sustainability? Find resources to help you manage and grow.

    Date modified: 2016-05-05

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    The Lowdown On Penny Stocks #how #do #business #loans #work

    #penny stocks


    The Lowdown On Penny Stocks

    Successful companies aren’t born, they’re made. They have to work through the ranks like everyone else. Unfortunately, some investors believe that finding the next “big thing” means scouring through penny stocks in hopes of finding the next Microsoft or Wal-Mart. As we’ll explain in this article, this is probably not the best strategy.

    More from Investopedia:

    What Exactly Is a Penny/Micro-Cap Stock?
    In this article we’ll use the terms “penny stocks” and “micro-cap stocks” interchangeably. Technically, micro-cap stocks are classified as such based on their market capitalization while penny stocks are looked at in terms of their price. Definitions vary, but in general a stock with a market capitalization between $50 and $300 million is a micro-cap. (Less than $50 million is a nano-cap.) According to the Securities & Exchange Commission (SEC) any stock under $5 is a penny stock. Again, definitions can vary, some set the cut-off point at $3, while others consider only those stocks trading at less than $1 to be a penny stock. Finally, we consider any stock that is trading on the Pink Sheets or OTCBB to be a penny stock.

    The main thing you have to know about penny/micro stocks is that they are much riskier than regular stocks. For instance, junk bonds (bonds with a rating lower than BBB) are considered a much higher risk than those of investment grade (bonds with a rating higher than BBB). In the world of stocks the equivalent comparison is penny stocks vs. blue-chip.

    What’s the Problem with These Stocks?
    What makes penny stocks risky? Four major issues arise when you decide to buy these securities:

    Lack of Information Available to the Public
    One thing we always preach is that the key to any successful investment strategy is acquiring enough tangible information to make informed decisions. For micro-cap stocks, information is much more difficult to find. Companies listed on the pink sheets are not required to file with the SEC and are thus not as publicly scrutinized or regulated as the stocks represented on the NYSE and the Nasdaq exchanges; furthermore, much of the information available about micro-cap stocks is typically not from a credible source.

    No Minimum Standards
    Stocks on the OTCBB and Pink Sheets do not have to fulfill minimum standard requirements to remain on the exchange. Sometimes, this is why the stock is on one of these exchanges. Once a company can no longer maintain its position on one of the major exchanges, the company moves one of these smaller exchanges. While the OTCBB does require companies to file timely documents with the SEC, the Pink Sheets has no such requirement. Minimum standards act as a safety cushion for some investors and as a benchmark for some companies.

    Lack of History
    Many of the companies considered to be micro-cap stocks are either newly formed or approaching bankruptcy. These companies will generally have a poor track record or none at all. As you can imagine, the lack of histories of companies only magnifies the difficulty in picking the right stock.

    When stocks don’t have much liquidity, two problems arise: first, there is the possibility that the stock you purchased cannot be sold. If there is a low level of liquidity, it may be hard to find a buyer for a particular stock, and you may be required to lower your price until it is considered attractive by another buyer. Second, low liquidity levels provide opportunities for some traders to manipulate stock prices, which is done in many different ways – the easiest is to buy large amounts of stock, hype it up and then sell it after other investors find it attractive (also known as pump and dump).

    The Problem for Investors
    Penny stocks have been a thorn in the side of the SEC for some time because micro-cap stocks’ lack of available information and poor liquidity make these groups of stocks an easy target for fraudsters. There are many different ways these people will try to part you from your money, but here are two of the most common:

    Biased Recommendations � Some micro-cap companies pay individuals to recommend the company stock in different media, i.e. newsletters, financial television and radio shows. You may receive spam e-mail trying to persuade you to purchase particular stock. All e-mails, postings and recommendations of that kind should be taken with a grain of salt. Look to see if the issuers of the recommendations are being paid for their services as this is a giveaway of a bad investment and make sure that any press releases aren’t given falsely by people looking to influence the price of a stock.

    Off-Shore Brokers� Under regulation S, the SEC permits companies selling stock outside the U.S. to foreign investors to be exempt from registering stock. These companies will typically sell the stock at a discount to offshore brokers who, in turn, sell them back to U.S. investors for a substantial profit. By cold calling a list of potential investors (investors with enough money to buy a particular stock) and providing attractive information, these dishonest brokers will use high-pressure “boiler room” sales tactics to persuade investors to purchase stock.

    Buying These Stocks
    Two common fallacies pertaining to penny stocks are that many of today’s stocks were once penny stocks and that there is a positive correlation between the number of stocks a person owns and his or her returns.

    Investors who have fallen into the trap of the first fallacy believe Wal-Mart, Microsoft and many other large companies were once penny stocks that have appreciated to high dollar values. Many investors make this mistake because they are looking at the “adjusted stock price”, which takes into account all stock splits. By taking a look at both Microsoft and Wal-Mart, you can see that the respective prices on their first days of trading were $28 and $25 even though the prices adjusted for splits is $0.09722 and $0.02444 (at time of writing). Rather than starting at a low market price, these companies actually started pretty high, continually rising until they needed to be split.

    The second reason that many investors may be attracted to penny stocks is the conception that there is more room for appreciation and more opportunity to own more stock. If a stock is at $0.10 and rises by $0.05, you will have made a 50% return. This together with the with the fact that a $1,000 investment can buy 10,000 shares convinces investors that micro cap stock are a rapid surefire way to increase profits. For some reason, people think of the upside but forget about the downside. A $0.10 stock can just as easily go down $0.05 and lose half its value. Most often, these stocks do not succeed, and there is a high probability that you will lose your entire investment.

    Sure, some companies on the OTCBB and Pink Sheets might be good quality, and many OTCBB companies are working extremely hard to make their way up to the more reputable Nasdaq and NYSE. However, the flip-side is that there many good opportunities in stocks that aren’t trading for pennies. You need to understand that this is a high risk area that isn’t suitable for all investors. If you can’t resist the lure of micro-caps, make sure you do extensive research and understand what you are getting into.

    by Investopedia Staff

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    Professional Business Attire for Men – Elegant and Smart #business #continuity

    #business attire


    Professional Business Attire for Men Elegant and Smart

    Professional business attire for men

    Professional business attire for men.

    There are two kinds of a guy, the one who wants to look professional, whereas, the other category belongs to the ones who don t care much about their personal grooming. They don t like following business standards, rather, go for anything they like or see. But is it really OK? Well, I don t think so. To be a professional business man, there are certain code of conducts which you should follow. Like wearing a professional business man attire and considering each and every aspect of your personality in detail, as it is something which every business men should do in order to achieve the success you always desired of. Because in a modern era like this, not only your intellectual skills count, but the way you dress yourself carries an equal importance. So my today’s article would be on the importance of professional business men attire in ones wardrobe.

    Professional business attire for Men More Elegant and Smart:

    • Look charming by your shirt and neck tie combo:

    Professional business attire for men.

    Usually guys are so immune to business men attire that they hardly know how to make a good neck tie knot. They don t even know how to make a perfect contrast with the shirt he is about to wear. Wearing a professional attire is not the only thing you have to consider but you have to be conscious about its color combination too. Remember, you shirt and tie must be of opposite intensities. Means if you are going to wear a light colored shirt, then you are required to pick a darker tone as far as your necktie is concerned.

    Note: Do not go for the same color tones like brown shirt with a brown tie. It doesn t look good, I tell you.

    Professional business attire for men.

    Plain shirt and tie no doubt looks decent but your motto is not to look just decent. Go for something extra ordinary. So do remember that the check pattern tie are in fashion nowadays and your shirt against your tie must be line patterned. It gives a very sharp and beautiful combination.

    Professional business attire for men.

    Add another sophistication to your attire that is a well tailored coat with a pocket square. Your business men attire gets complete with your well tailored coat with fine cuts and a pocket square. Pocket square gives you that height of sophistication which adds stars to your personality.

    Professional business attire for men.

    Dress pants must not be so tight because it would give you very odd look. Ask your tailor to stictch t according to your measurement.

    Business casual attire.

    You must have a side part hair cut to look like a true professional. Your hairs cut matter because your office is not the place where you can go with long rough and messy hairs.

    Professional business attire for men.

    Wear a leather strap watch. Make your mind clear while purchasing a watch for your office attire that you watch must be in golden round dial and dark colored leather straps.

    Professional business attire for men.

    Your office attire needs a dress shoes in plain black or brown color. Black and brown color looks very decent and stylish. Make sure the cleanliness of your shoes before going to the office. Do not go in your suede shoes or desert shoes because it would spoil your image as soon as you enter into your office.

    Professional business attire for men.

    Carry a big decent brown or black colored bag which has enough capacity to hold all your documents and accessories. Do not go for small bags that look very odd and girlish.

    International Business Development – Vinson Real Estate Group #financial #markets #today

    #international business


    International Business Development

    VINSON is here to help your family or business make the transition. We can expedite everything from finding a place to locate a business to finding a proper school. The size of Los Angeles markets, the City s access to the world, breadth of resources, quality of the region s labor pool and the great climate, these are just some of the reasons why families and businesses of all sizes come here, stay here and thrive.

    If L.A. County were a country, our economy would rank 24th in the world just behind Saudi Arabia, Indonesia and Switzerland and in front of Austria, Taiwan, and Argentina. L.A. s economic strength stems from numerous factors, including the explosive growth of international trade between the U.S. and Asia, making Los Angeles America s #1 gateway to the global economy. Concerning quality of life, Vinson Real Estate Group evaluates recreational opportunities, education facilities, crime rates, health care, climate and countless varying factors.

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    Vinson Real Estate Group will simply explain the basic steps in getting a home loan. Watch this [Read More. ]

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    Contact Us

    Our mission is to help families and businesses purchase real estate, build green, and develop governmental relationships. Read more

    International Business #writing #business #plan

    #international business


    International Business

    Doing business internationally

    More and more companies do business internationally. In order for companies to compete internationally, they need to analyse and understand the global market place and its complexity. This is done by analysing the business environment, which is the core of this programme.

    The international business environment

    In this programme you gain knowledge of current market trends, such as customer needs, in different industries, as well as solid knowledge of financial market developments. You learn how to analyse different business environments in advanced economies, and you will also be exposed to emerging markets. You will learn how to analyse different business environments and you will understand the development of international business in emerging markets as well as the role of emerging market firms in the global economy. The interdisciplinary approach in this programme, building on insights from business strategy, finance, corporate governance and politics, gives you an understanding of the international environment that companies operate in. In addition you also gain knowledge about the internal factors of an international company, such as management and international decision-making.

    Business strategy and competitive advantages

    You learn about the challenges of formulating and implementing strategies in companies that are active on an international scale. Strategy is seen in relation to how the firm interacts with other firms and the external environment more broadly. This requires strategic analysis of the competitive landscape and the firm’s industry as well as knowledge about the internal strengths and weaknesses of the firm with focus on out-performing competitors.

    More information about International Business


    International Business is a two-year master’s programme that is divided into 4 semesters. The autumn semester runs from September through November with exams in December and January; and the spring semester from February through April with exams in May and June.

    First and second semester consist of compulsory courses, third semester of elective courses and fourth semester finishes off the programme with the master thesis

    Additional options

    When studying International Business, you can apply to the CEMS MIM programme. which is a double degree in Interntional Management. It provides you with both the MSc degree and the CEMS in International Management.
    You can also use part of your third semester to obtain a minor in one of the specialised minor programmes.

    Course overview

    Small Business and Commercial Insurance Quotes #short #term #business #loans

    #small business insurance


    We Are Here to Support Your Small Business Insurance Needs

    Small businesses drive the American economy. We understand that small business owners like you work hard every day, taking risks to better serve your customers, employ more people and strive to be successful. As the #1 Total Small Business Insurer 1 and 7th largest commercial insurance carrier, we can help you build and protect your business by providing customized insurance solutions to support you and your budget. You can rely on our financial strength and stability to be there when you need us most.

    Is a BOP the right solution for your business?

    A businessowners policy, also known as a BOP, combines property insurance, liability insurance and other common coverages into one convenient package.

    A businessowners policy, also known as a BOP, combines property insurance, liability insurance and more into one convenient package.

    Learn about the breadth of coverage options Nationwide offers to small businesses.

    We offer coverage specific to your industry to provide the protection that’s right for you.

    [1] Conning Strategic Study: The Small Business Sector for Property-Casualty Insurance: Market Shift Coming, 2014

    Business Safety and Loss Prevention

    Get disaster and safety planning support from Nationwide, a trusted business insurance company.

    Accident Medical Insurance

    Protect your organization and its participants during group events.

    Medical Stop Loss Insurance

    Limit your risk while keeping your employees safe and healthy.

    Business Interruption Insurance

    Keep your business running when the power, gas or other utility goes out.

    Businessowners Policy

    Find the right BOP insurance for your medium to small business.

    Disaster Planning and Recovery

    Prepare your business for natural or manmade emergencies.

    Agriculture Insurance

    Find solutions, resources and products for your agribusiness.

    Commercial Business Insurance Discounts

    Get up to 10% off uniforms and workplace safety products.

    Business Banking

    Find banking solutions that suit the needs of your business.

    Business Alerts Insights

    Keep on top of safety issues that can affect your bottom line.

    How to Buy Penny Stocks (for Beginners) #grants #for #small #business

    #penny stocks


    How to Buy Penny Stocks (for Beginners)

    NEW YORK (TheStreet ) — It’s hard to check your email without hearing about the next “hot” penny stock that’s going to make you rich. But what are penny stocks, and can they really deliver on those promises? Here’s my 2 cents worth on penny stocks.

    What Are Penny Stocks?

    Low-priced, small-cap stocks are known as penny stocks. Contrary to their name, penny stocks rarely cost a penny. The SEC considers a penny stock to be pretty much anything under $5. And while there are sub $5 stocks trading on big exchanges like NYSE and NASDAQ. most investors don’t think of these when asked to describe a penny stock.

    Most individual investors look at penny stocks like Wall Street’s Wild West, an untamed world of investing detached from all the glitz and media coverage that comes with stocks that are traded on major exchanges. While the gains and losses can be pretty impressive in the penny stock world, they’re not often heard about elsewhere.

    Just because you don’t hear about penny stocks every day on CNBC doesn’t mean that penny stocks are without drama. Unfortunately, penny stocks have also garnered a reputation as a game filled with scams and corruption. Indeed, penny stocks could be your wildest ride yet as an investor.

    So then, if penny stocks usually aren’t traded on normal exchanges, where can you buy them?

    How to Buy Penny Stocks

    Like any other stock you would buy, you can purchase shares of a penny stock through your normal stockbroker — regardless of whether or not it’s listed on a major exchange.

    Grants for starting a business: What small business grants are available?: Starting

    #loans for starting a business


    Grants for starting a business: What small business grants are available?

    If you’re a small business owner or thinking of starting a business, finance is probably your biggest concern. You may be wondering if there is any funding available for start-ups.

    The simple answer is yes, but getting your hands on it can be a complicated and rather stressful process. There are countless schemes, each with their own set of criteria, which you can apply for when you’re on the verge of starting a business.

    Action point: Need a loan to start a business of your own? See how we can help here and here

    Start-up funding is out there to be claimed, yet every year we receive stories of piles of cash sitting in accounts and not being invested. It’s not because you don’t need the cash, but it’s because navigating through the grants jungle can leave you wishing you were still employed.

    Types of business support

    All publicly funded schemes are designed to encourage new and growing businesses, to bring wealth and ultimately create jobs. To help achieve this the government makes available a portion of taxpayers’ money to help and encourage enterprise through small business grants.

    This cash gets distributed through a variety of ministries, departments, agencies and quangos on a national and local basis. Most businesses are eligible at any one time to apply for a number of different business start-up grants and support schemes which are distributed in a wide variety of forms.
    Government grant resource the business finance support finder is a great tool to help those starting a business find relevant funding to suit their needs and you are able to customise your search by your business location, size, and type of business activity.

    Want to read more on grants?

    Government business grants available

    Direct grant

    This is a cash award, which is usually given out for activities such as training, employment, export development, recruitment and capital investment projects. With a direct grant most schemes usually require the company involved to put up around 50% of the cost.

    The government s ‘business finance support finder’ directory has over 300 direct grants agencies listed such as UK business “innovation” organisation the Technology Strategy Board. The directory also features various local grants providers which are facilitated by the government’s £3.2bn Regional Growth Fund. such as Catalyst for Growth which has direct grants of £5,000 to £500,000 available for chemical start-ups launching in the North West of England.

    Soft loan

    A soft loan is a special type of grant where the terms and conditions of repayment are more generous (or softer) than they would be under normal financial circumstances. So, for example, the interest rates may be less, or there may be no interest to pay at all, and the repayment terms could also be for a longer period.

    There are hundreds of organisations that offer soft loans and guarantees but the most notable is government-funded scheme Start Up Loans which offers new businesses loans of up to £25,000 for 6% interest with a 12 month repayment “holiday”. To date it has helped to fund over 10,000 start-ups with over £50m invested. You can find out more about the Start Up Loans scheme here. (If you need a higher value business loan, fill out our business loans form and we may be able to put you in touch with the right people).

    If you’re starting a social enterprise or charity there are organisations such as Big Issue Invest. the investment arm of the Big Issue, which has soft loans from £50,000 to £1m available for positive impact, socially-driven entrepreneurs and also operates ‘participation loans’ where repayment is linked to future performance of the enterprise.

    For young entrepreneurs aged between 18-30, The Prince s Trust provides soft loans of up to £4,000, as well as support for your business idea, with interest capped at 3% and repayments spread over a period of two to five years.

    Equity finance

    With equity finance a capital sum is injected into the business and the provider of the funds takes an equity share of the enterprise. When the value of the firm increases the stake can then be returned. However, unlike venture capitalists, the expectations and requirements of the providers of public funds are usually less demanding.

    It is also worth noting the government Enterprise Investment Scheme (EIS) and Seed Enterprise Investment Scheme (SEIS) which help companies raise finance by providing tax relief to investors who buy a share in your business.

    Free or subsidised consultancy

    Start-ups can often find themselves in the situation where they are lacking a particular set of skills and there are some specially run schemes which provide this knowledge either for free or at subsidised rates. For instance, the Welsh government runs a business support service offering free, independent advice on starting a business and operates an instant hotline for business queries.

    Access to resources

    As with a lack of skills, it can be the case that start-ups do not possess the physical resources or facilities they need in order to develop particular projects. In the same way there are a number of initiatives, particularly incubator and accelerator schemes, that can help overcome these concerns by providing access to publicly owned facilities. One such initiative is the department for business, innovation and skills’ (DBIS) GrowthAccelerator which provides advice and coaching to fast-growth businesses with fewer than 250 employees.

    Technology and Best Practice transfer

    The transfer of technological advances and new best practice initiatives can often take a long time filtering down to smaller businesses. The government has set up schemes which aim to overcome this through business support networks and there is now a number of well-established best practice initiatives such as Investors in People (IIP), which specialises in business tools and resources.

    Cost sharing

    When it comes to research and development, the costs involved can prevent small firms from taking part. However, by sharing the costs with other businesses, and then sharing the expertise, this problem can be avoided.

    To find out more about grants for starting a business, visit our dedicated small business grants channel here .

    Useful business start up tools

    Forum post of the week

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    More from Startups

    Boston Business Journal: The importance of workplace culture #business #promotional #items

    #boston business journal


    The importance of workplace culture

    ​The importance of workplace culture

    An employer’s perspective, as shared by William K. Bacic. New England managing partner, Deloitte LLP

    It’s no secret that workplace culture has become one of 2016’s hottest topics for business leaders. Research shows that workplace culture drives not only behavior, but also plays a major role in innovation, and customer service. In terms of specific numbers, 82 percent of the respondents to the Deloitte Global Human Capital Trends 2016 survey believe that culture is a potential competitive advantage for employers. Equipped with that knowledge, it is nearly impossible to overstate culture’s importance, especially when thinking about not only recruiting and retaining talent, but also in meeting business goals.

    Knowing just how crucial of a role culture plays, we, as business leaders, should consider doing all that we can to help foster a culture where professionals thrive. A step in the right direction may require that business leaders recognize the importance of culture, and give it the attention and investment it deserves. Executives should consider working with HR to help take responsibility for culture, and support it through both a measurement process and infrastructure.

    However, that challenge, like many others, is often easier said than done. To start, we leaders should visibly prioritize culture in our organizations. That means clearly understanding the values of our companies, and how they affect business strategy. We should help shape the company’s value and make sure that we are leading by example, and reinforcing the desired culture. For example, at Deloitte, we are committed to making an impact that matters in the communities where we live and work. I enjoy taking an active role in my community, whether that is serving on nonprofit boards, hosting events in our office, or volunteering.

    As executives, we should also consider examining the current culture at our organization, and determining whether or not that is the culture we desire.

    That means taking a close look at our organizations and not only identifying those practices that align with the desired goals, but also taking note of practices that may require some change.

    From there, it is up to leaders to help ensure this new culture becomes permanent. We should serve as an example of the new culture, and become cultural ambassadors for our organizations. Whether that means volunteering in your free time, avoiding email on weekends, or remaining offline while on vacation, leaders should consider embodying the culture of the workplace.

    I encourage you to embrace the culture challenge, and own it at the highest level. Our actions tend to drive culture, just as they do other issues that reinforce business strategy. For more information on workplace culture, including tools for measurement, take a look at Deloitte’s Global Human Capital Trends Report .

    © 2016. See Terms of Use for more information.

    Deloitte refers to one or more of Deloitte Touche Tohmatsu Limited, a UK private company limited by guarantee (“DTTL”), its network of member firms, and their related entities. DTTL and each of its member firms are legally separate and independent entities. DTTL (also referred to as “Deloitte Global”) does not provide services to clients. In the United States, Deloitte refers to Deloitte LLP, the US member firm of DTTL, and its subsidiaries where certain services may not be available to attest clients under the rules and regulations of public accounting. Please see to learn more about our global network of member firms.

    Funding a New Small Business? Don – t Bother With Banks #business

    #new business financing


    Funding a New Small Business? Don’t Bother With Banks

    Question: What steps should I take before applying for a loan to open a small business? I’d like to maximize my chances of getting a good response.

    Answer: Getting a small business bank loan is never easy, and it’s been especially difficult since the financial crash of 2008 and the lingering credit crunch. Even though small business lending is rebounding somewhat, it is still virtually impossible to get a loan to open a new business.

    That’s because lenders want to see a financial track record for your business that demonstrates your ability to repay the money they’re lending you. Without that kind of history, the lender has no way to know if your venture will be successful enough to make good on your obligation. Banks are lenders, not investors, and they’re not interested in knowingly making equity investments in businesses, as an industry representative told me in 2011.

    So what are your options? Most entrepreneurs start their businesses with savings; they put startup costs on credit cards; or they get loans from friends and family. There are also more creative ways to raise startup capital, such as babysitting or renting out a room in your apartment.

    The void in bank lending has spurred the growth of alternative lending, which can be costly but gets money to entrepreneurs quickly and without a lot of hassle. Another new option is crowdfunding through websites such as Kickstarter and Indiegogo.

    Some niche alternatives that have sprung up are less well-known. For instance, culinary businesses can apply to the Whole Foods Local Producer loan program, which the company says has lent $10 million to businesses making local food products since its inception in 2007. Interest rates range from 5 percent to 9 percent, and it helps if your company is already a Whole Foods supplier, though it’s not mandatory.

    Or maybe you need a loan to buy a franchise business. Many franchisers started to recognize that they’d need to help prospective franchisees with financing after home equity—once a common source of startup cash—plunged in many parts of the country. Matco Tools, which has been selling tools to auto mechanics via independent distributors since 1979, ramped up its in-house financing program in 2008, says John Green, vice president for marketing and e-commerce at Matco Tools. The program can cover up to 100 percent of initial inventory and working capital costs for qualified prospects who want to buy Matco franchises, which range between $89,000 and $144,000.

    Perhaps a more realistic option for you is connecting with a nonprofit microlender. Caitlin McShane, communications director of Opportunity Fund. a California microlender, says her organization is making several times as many loans as it did five years ago. “We lend between $1 million and $2 million a month and do over 1,000 loans a year,” she says. The organization has offices in San Francisco, San Jose, and Los Angeles. It is currently running a startup funding challenge that aims to provide loans of up to $50,000 at 7.5 percent interest.

    When you do get your business to the point that a bank loan is a more realistic possibility, after two to three years of operations, here are some tips from Laurie Pettinella Zona, a partner in early-stage startup accelerator K5Launch.

    Make the loan officer’s job easier by “clearly illustrating why your business is a less risky investment,” she says. Be clear-eyed about what the risks are, however, as pretending to be risk-free is a bad idea. “Show that your business has a proven business model” with steady, paying customers, she says. And “put your best foot forward and sell yourself: your résumé, background, references, prior successful businesses, and history of paying back loans or investors.” Paying down your personal debt and getting your credit score as high as possible are also good ideas.

    Before it’s here, it’s on the Bloomberg Terminal. LEARN MORE

    How to Get a Business License #internet #business #ideas

    #business license


    How to Get a Business License

    If you are planning on starting your own business. chances are that you will need some type of license or permit – maybe more than one – to move forward legally. A business license is a permit issued by a government agency that allows business to be conducted in said government’s geographic jurisdiction. By and large, your state or local government will determine which licenses and permits are required to operate in its jurisdiction. Additionally, the federal government requires special licenses for certain industries.

    Why Is a Business License Required?

    Obtaining a business license is necessary for three main reasons:

    1. So the government can track taxable revenue
    2. So consumers are protected in federally regulated industries
    3. So that you may demonstrate your level of professional expertise

    Determining the requirements for your business is the first and most important step.

    Identifying License and Permit Requirements

    Business licensing requirements are determined by:

    1. Business activity
    2. Physical location

    The U.S. Small Business Administration provides a great resource for determining the licensing requirements in your area. After entering in your local zip code and the type of business you are starting, you are presented with a list of the permits and licenses you will need along with the locations at which you can find the requisite forms.

    NAICS Code

    Before you can apply for a license, you will need to determine your business activity code. which is based on the North American Industry Classification System (NAICS). In order to select the proper code, you must determine the activities from which your business will derive the largest percentage of its total receipts, which is defined as the sum of gross receipts or sales plus all other income.

    Taxation Requirements

    The Internal Revenue Service requires businesses to register to receive a Federal Tax Identification number. also known as an Employer Identification Number (EIN). Your business will need an EIN if you can answer yes to any of the following questions:

    • Do (or will) you have employees?
    • Do (or will) you operate your business as a corporation or a partnership?
    • Do (or will) you file any of these tax returns: Employment, Excise, or Alcohol, Tobacco and Firearms?
    • Do (or will) you withhold taxes on income, other than wages, paid to a non-resident alien?
    • Do (or will) you have a Keogh plan ?
    • Are (or will you be) you involved with any of the following types of organizations?

      Trusts, except certain grantor-owned revocable trusts, IRAs, Exempt Organization Business Income Tax Returns

      Real estate mortgage investment conduits

      Licenses and Permits


      If your business will fall under the regulating eye of a federal agency, you will need to obtain the corresponding federal license or permit. Examples of business activities that may require such licenses include:

      • Agriculture
      • Alcoholic beverages
      • Aviation
      • Firearms, ammunition and explosives,
      • Fish and wildlife,
      • Mining and drilling
      • Nuclear energy
      • Radio and Television broadcasting
      • Transportation and logistics

      Permits can usually be found online, on the website of the entity that regulates the specific regulated activity the business will engage in. For example, if your business is involved in agricultural activities, you can find the necessary applications at the website for the U.S. Department of Agriculture. If you plan to broadcast your own television or radio program, you can find the necessary application online via the Federal Communications Commission .


      It will also be necessary for you to register for applicable tax permits with state and local agencies. For instance, if your business will be selling goods or services, and you are operating in a state which levies an income tax, you will be obligated to obtain a tax license so that the state can track your taxable revenue. Contact the license commissioner in your county or municipality and the office of your state’s Secretary of State to find out the exact requirements that apply to you.

      Home-Based Considerations

      Even sole proprietorships run out of someone’s home are required to obtain business licenses in some areas. These can include:

      • General business licenses
      • Trade licenses (such as a license to operate a child care service or sell real estate)
      • Sales tax permits
      • Health and safety permits
      • Sign permits
      • Zoning permits

      Filling Out and Filing the Forms

      Once you figure out the licenses and permits you need to legally register your business, you will then need to fill out the necessary forms. These can be obtained from the appropriate federal or state agencies, and they usually can be found online. You may print the forms, fill them out, and mail them back to the agency; however, in many instances you will be able to fill out the forms and submit them online. Regardless, information you can expect to disclose may include, but not be limited to, the following:

      • Type of business
      • Business address
      • Name of business owner
      • Contact information
      • Federal ID number
      • NAICS code
      • Number of employees

      Expect to pay a filing fee, which can range from around $50 to hundreds of dollars or more, dependent upon the region you are filing in and the types of activities your business will be conducting. Fees are often calculated as a percentage of revenue, with a base minimum for new companies. The time it takes to receive your license can vary from a few days to a few weeks.

      Ongoing Licensure

      Obtaining the necessary licenses and permits for your business is required in order to operate legally. Moreover, the task is not a one-time occurrence. Most licenses and permits will need to be renewed periodically. For example, if you are running a restaurant with a bar, you will need to renew your liquor license once a year.

      While this process can seem daunting, being familiar with the steps will go a long way in making the experience as painless as possible.

      Related Topics

    51 Quotes to Inspire Success in Your Life and Business #best #business

    #business quotes


    What is success? There are many definitions, but there’s one thing all the greats agree on: Success only comes by persevering despite failure.

    Here are 50 quotes to inspire you to succeed in the face of failures, setbacks, and barriers.

    1.“Success is not final; failure is not fatal: It is the courage to continue that counts.”

    — Winston S. Churchill

    2.“It is better to fail in originality than to succeed in imitation.”

    3.“The road to success and the road to failure are almost exactly the same.”

    4.“Success usually comes to those who are too busy to be looking for it.”

    — Henry David Thoreau

    5.“Opportunities don’t happen. You create them.”

    6.“Don’t be afraid to give up the good to go for the great.”

    –John D. Rockefeller

    7.“I find that the harder I work, the more luck I seem to have.”

    8.“There are two types of people who will tell you that you cannot make a difference in this world: those who are afraid to try and those who are afraid you will succeed.”

    9.“Successful people do what unsuccessful people are not willing to do. Don’t wish it were easier; wish you were better.”

    10.“Try not to become a man of success. Rather become a man of value.”

    11.“Never give in except to convictions of honor and good sense.”

    12.“Stop chasing the money and start chasing the passion.”

    13.“Success is walking from failure to failure with no loss of enthusiasm.”

    14.“I owe my success to having listened respectfully to the very best advice, and then going away and doing the exact opposite.”

    15.“Would you like me to give you a formula for success? It’s quite simple, really: Double your rate of failure. You are thinking of failure as the enemy of success. But it isn’t at all. You can be discouraged by failure or you can learn from it, so go ahead and make mistakes. Make all you can. Because remember that’s where you will find success.”

    — Thomas J. Watson

    16.“If you are not willing to risk the usual, you will have to settle for the ordinary.”

    17.“The ones who are crazy enough to think they can change the world, are the ones that do.”

    18.“Do one thing every day that scares you.”

    19.“All progress takes place outside the comfort zone.”

    — Michael John Bobak

    20.“People who succeed have momentum. The more they succeed, the more they want to succeed, and the more they find a way to succeed. Similarly, when someone is failing, the tendency is to get on a downward spiral that can even become a self-fulfilling prophecy.”

    21.“Don’t let the fear of losing be greater than the excitement of winning.”

    22.“If you really look closely, most overnight successes took a long time.”

    23.“The real test is not whether you avoid this failure, because you won’t. It’s whether you let it harden or shame you into inaction, or whether you learn from it; whether you choose to persevere.”

    24.“The only limit to our realization of tomorrow will be our doubts of today.”

    — Franklin D. Roosevelt

    25.“Character cannot be developed in ease and quiet. Only through experience of trial and suffering can the soul be strengthened, ambition inspired, and success achieved.”

    26.“The way to get started is to quit talking and begin doing.”

    27.“The successful warrior is the average man, with laser-like focus.”

    28.“There are no secrets to success. It is the result of preparation, hard work, and learning from failure.”

    29.“Success seems to be connected with action. Successful people keep moving. They make mistakes, but they don’t quit.”

    30.“If you really want to do something, you’ll find a way. If you don’t, you’ll find an excuse.”

    31.“I cannot give you the formula for success, but I can give you the formula for failure–It is: Try to please everybody.”

    — Herbert Bayard Swope

    32.“Success is not the key to happiness. Happiness is the key to success. If you love what you are doing, you will be successful.”

    33.“Success isn’t just about what you accomplish in your life; it’s about what you inspire others to do.”

    34.“Fall seven times and stand up eight.”

    35.“Some people dream of success while others wake up and work.”

    36.If you can dream it, you can do it.”

    37.“The difference between who you are and who you want to be is what you do.”

    38.“A successful man is one who can lay a firm foundation with the bricks that other throw at him.”

    39.“In order to succeed, your desire for success should be greater than your fear of failure.”

    40.“In order to succeed, we must first believe that we can.”

    41.“Many of life’s failures are people who did not realize how close they were to success when they gave up.”

    42.“Don’t be distracted by criticism. Remember–the only taste of success some people get is to take a bite out of you.”

    43.“The secret of success is to do the common thing uncommonly well.”

    — John D. Rockefeller Jr.

    44.“You know you are on the road to success if you would do your job, and not be paid for it.”

    45.“There is a powerful driving force inside every human being that, once unleashed, can make any vision, dream, or desire a reality.”

    46.“The secret to success is to know something nobody else knows.”

    48.“I never dreamed about success, I worked for it.”

    49.“I never did anything worth doing by accident, nor did any of my inventions come indirectly through accident, except the phonograph. No, when I have fully decided that a result is worth getting, I go about it, and make trial after trial, until it comes.”

    50.“The only place where success comes before work is in the dictionary.”

    51.“Keep on going, and the chances are that you will stumble on something, perhaps when you are least expecting it. I never heard of anyone ever stumbling on something sitting down.”

    — Charles F. Kettering

    What’s your favorite success quote?

    The opinions expressed here by columnists are their own, not those of

    The Enterprise Finance Guarantee Scheme #small #business #bureau

    #guaranteed business loans


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    The Enterprise Finance Guarantee Scheme

    The eligibility criteria specified by the Department for Business, Innovation and Skills website states that EFG is open to businesses that:

    • Operate in the UK
    • Have a group turnover of no more than 41 million
    • Are seeking finance of between 1,000 and 1.2 million
    • Wish and can afford to repay over a period of between 3 months and 10 years for term lending and between 3 months and 3 years invoice finance
    • Require the finance for an eligible purpose (most business purposes are eligible the most significant exclusion is the financing of specific export orders as alternative forms of assistance for that purpose are provided by UK Export Finance)
    • Operate in a business sector that is eligible for EFG (almost all sectors are eligible where exclusions apply they arise from EU State Aid rules)

    Other details

    • The ability to request a Capital Repayment Holiday (subject to approval). Interest will be charged to the current account
    • Loans are available from 3 months to 10 years for loans from 1,000 to 600,000, and 3 months to 5 years for loans of 601,000 to 1.2 million
    • EFG loans require customers to pay a fee of 2% per year on the outstanding loan balance to the government
    • All bank fees can be added to the loan to help with your cashflow

    Please note, you ll be responsible for repayment of 100% of the EFG facility, not just the 25% outside the coverage of the government s guarantee. Where defaults occur, we follow our standard commercial recovery procedures, including the realisation of security, before we make a claim against the government s guarantee for any shortfall.

    Ready to apply or want to find out more?

    Barclays customers

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    0345 605 2345

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    Other products that may interest you

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    Get the cashflow support your business needs, whether you re just starting out, growing or established.

    Business overdraft

    If you need flexible short term borrowing, chat to us about an overdraft.

    Cashflow finance

    Release cash in your invoices within 24 hours and keep your business running smoothly.

    Important information

    1. For fixed rate loans, if you decide to pay early or cancel the fixed interest rate, you may have to pay breakage cost in addition to other fees such as prepayment fees.
    2. You can choose your loan terms providing the loan term doesn t exceed the life of the asset.
    3. Capital repayment holiday available (during this time interest will be charged to your current account).
    4. Loans are available from 3 months to 10 years for loans 1,000- 600,000 and 3 months to 5 years for loans of 601,000 to 1.2million.
    5. Subject to status and application. We offer a fair appeal process should you feel we ve not taken all your circumstances into consideration. To find out more click here .
    6. Lines are open Monday to Friday, 8am to 7pm. To maintain a quality service, we may monitor and record phone calls. Call charges

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    Barclays Bank PLC. Registered in England. Registered no. 1026167. Barclays Insurance Services Company Limited. Registered in England. Registered no. 973765. Registered office for both: 1 Churchill Place, London E14 5HP. ‘The Woolwich’ and ‘Woolwich’ are trademarks and trading names of Barclays Bank PLC. Barclays Business is a trading name of Barclays Bank PLC.

    Business – Industry Loan Guarantees #sample #business #plans

    #guaranteed business loans


    Business Industry Loan Guarantees

    Program Status: Open

    What does this program do?
    This program bolsters the existing private credit structure through the guaranteeing of loans for rural businesses, allowing private lenders to extend more credit than they would typically be able to.

    Who may apply for this program?
    Lenders with legal authority, sufficient experience, and financial strength to operate a successful lending program like:

    • Federal or State chartered banks
    • Savings and loans
    • Farm credit banks
    • Credit unions

    What kind of borrower may the lender request a guarantee for?

    Are there restrictions on the borrower?

    • Government or military employees may not own more than 20%
    • Majority ownership must be held by US citizens or permanent residents (1)

    What is an eligible area?

    • Any area other than a city or town with a population of greater than 50,000 inhabitants and the urbanized area of that city or town.
    • The borrower’s headquarters may be based within a larger city as long as the project is located in an eligible rural area
    • The lender may be located anywhere
    • Projects may be funded in rural and urban areas under the Local and Regional Food System Initiative

    How may funds be used?
    Eligible uses include but are not limited to:

    • Business conversion, enlargement, repair, modernization, or development
    • Purchase and development of land, easements, rights-of-way, buildings, or facilities
    • Purchase of equipment, leasehold improvements, machinery, supplies, or inventory
    • Debt refinancing when new jobs will be created and other conditions are met
    • Business and industrial acquisitions when the loan will keep the business from closing and/or save or create jobs

    Guaranteed loan funds MAY NOT be used for:

    • Lines of credit
    • Owner-occupied housing
    • Golf courses
    • Racetracks or gambling facilities
    • Churches, church-controlled organizations, or charitable organizations
    • Fraternal organizations
    • Lending, investment and insurance companies
    • Projects involving more than $1 million and the relocation of 50 or more jobs
    • Agricultural production, with certain exceptions (2)
    • Distribution or payment to an individual owner, partner, stockholder, or beneficiary of the borrower or a close relative of such an individual when such individual will retain any portion of the ownership of the borrower

    What Collateral Is Required?
    Collateral must have documented value sufficient to protect the interest of the lender and the Agency. The discounted collateral value will normally be at least equal to the loan amount. Lenders will discount collateral consistent with sound loan-to-value policy. Hazard insurance is required on collateral (equal to the loan amount or depreciated replacement value, whichever is less).

    Maximum Advance Rates
    Real Estate: 80% of fair market value
    Equipment: 70% of fair market value
    Inventory: 60% of book value (raw inventory and finished goods only)
    Accounts Receivable: 60% of book value (less than 90 days)

    What is the maximum amount of a loan guarantee?

    • 80% for loans of $5 million or less
    • 70% for loans between $5 and $10 million
    • 60% for loans exceeding $10 million, up to $25 million maximum

    What are the loan terms?

    • Maximum term on real estate is 30 years
    • Maximum term on machinery and equipment is useful life or 15 years, whichever is less
    • Maximum term on working capital not to exceed 7 years
    • Loans must be fully amortized; balloon payments are not permitted
    • Reduced payments may be scheduled in the first three years

    What are the interest rates?

    • Interest rates are negotiated between the lender and borrower, subject to Agency review
    • Rates may be fixed or variable
    • Variable interest rates may not be adjusted more often than quarterly

    What are the applicable fees?

    • There is an initial guarantee fee equal to 3% of the guaranteed amount
    • There is an annual renewal fee, currently 0.5% of outstanding principal (3)
    • Reasonable and customary fees are negotiated between the borrower and lender

    What are the underwriting and security requirements?

    • The proposed operation must have realistic repayment ability
    • New enterprises may be asked to obtain a feasibility study by a recognized independent consultant
    • The business and its owners must have a good credit history
    • At loan closing/project completion, the business must have tangible balance sheet equity position of:
      • 10 percent or more for existing businesses, or
      • 20 percent or more for new businesses.
    • Key person life insurance may be required and the amount negotiated. A decreasing term life insurance is acceptable
    • Personal and corporate guarantees are normally required from all proprietors, partners (except limited partners), and major shareholders (i.e. all those with a 20 percent or greater interest)

    How do we get started?

    • Applications are accepted from lenders through our local offices year round
    • Interested borrowers should inquire about the program with their lender
    • Lenders interested in participating in this program should contact the USDA Rural Development Business Programs Director in the state where the project is located

    Who can answer questions?
    Contact the local office that serves your area.

    What governs this program?

    • Loan Processing – Code of Federal Regulation, 7 CFR 4279-A and B
    • Loan Servicing – Code of Federal Regulation, 7 CFR 4287-B
    • This program is authorized by the Consolidated Farm and Rural Development Act (ConAct)

    Why does USDA Rural Development do this?
    This program improves the economic health of rural communities by increasing access to business capital through loan guarantees that enable commercial lenders to provide more affordable financing for businesses in eligible rural areas.

    NOTE: Because citations and other information may be subject to change please always consult the program instructions listed in the section above titled “What Law Governs this Program?” You may also contact your local office for assistance.

    (1) Individual borrowers must be citizens of the United States (U.S.) or reside in the U.S. after being legally admitted for permanent residence. Corporations or other non-public body organization-type borrowers must be at least 51 percent owned by persons who are either citizens of the U.S. or reside in the U.S. after being legally admitted for permanent residence.

    (2) Production agriculture is eligible only if the project is vertically integrated, ineligible for USDA Farm Service Agency (FSA) farm loan guarantees, and agricultural production as part of the loan is both secondary (less than 50 percent of the business) and less than $1 million. Nursery, forestry and aquaculture operations are eligible without these restrictions.

    (3) The annual renewal fee is currently one-half of one percent (.5%) of the outstanding principal loan balance as of December 31st. The renewal fee rate is set annually by Rural Development in a notice published in the Federal Register. The rate in effect at the time the loan is made will remain in effect for the life of the loan. Annual renewal fees are due on January 31. Payments not received by April 1 are considered delinquent and, at the Agency discretion, may result in cancellation of the guarantee to the lender. Holders’ rights will continue in effect as specified in the loan note guarantee and assignment guarantee agreement. Any delinquent annual renewal fees will bear interest at the note rate and will be deducted from any loss payment due the lender. For loans where the loan note guarantee is issued between October 1 and December 31, the first annual renewal fee payment will be due January 31 of the second year following the date the loan note guarantee was issued.

    Women Business Owners – Women Small Business Loan – Wells Fargo Small

    #women business loans


    Women Business Owners

    Wells Fargo celebrates the strength, vision and innovation of women business owners. Through our financial solutions, outreach efforts and educational resources, we help sustain the success of women-owned businesses; and we are honored to support their role in shaping the future of small business.

    As America’s #1 small business lender 1. Wells Fargo is dedicated to helping you succeed financially — in business and personally. We stand ready to help you grow your business, achieve your vision and safeguard your financial success.

    Financial Solutions

    With expert guidance from our local bankers who will get to know your goals and needs, Wells Fargo will help your business grow and prosper.

    Wells Fargo Works for Small Business

    Discover our comprehensive resource library, offering guidance and information and information to help you start, run and grow your business at .

    Diversity at Wells Fargo is a business imperative. Aligning with our customer base, engaging our communities, and attracting and retaining talented individuals are critical to our success. To integrate supplier diversity into all aspects of our business we focus on three areas: education and awareness, partnership development and measurement and accountability.

    1 Based on 2010 Community Reinvestment Act government data.

    Contact Us

    Canadian Business Franchise Magazine – Franchise news and ideas #writing #business #plan

    #canadian business magazine




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    Personalize your experience:

      Archive articles by creating a favourite list.
    • Simply click on the star icon to add or remove items.
      View your history.
    • See the last 30 items you have viewed on the site.
      View articles suggested just for you.
    • Once you have read 3 features, we will start to curate articles just for you.
    • Find them under ‘My Suggestions ‘ in ‘My Account

    Looking for ‘My Account ‘? Find it in the top right-hand corner of your screen.

    Looking for ‘My Account ‘? Find it under the burger icon in the left-hand corner of your screen.

    SBA-Guaranteed Loans #small #business #consultant

    #guaranteed business loans


    Getting Started With a Loan From the Small Business Administration

    What it is: These are U.S. government-backed term loans that are available at most banks and commercial lending institutions In any given year, the SBA can guarantee tens of billions of dollars-worth of loans that support tens of thousands of small businesses.

    The SBA s primary lending program — the 7(a) Loan Program — guarantees as much as 85 percent of loans up to $150,000 and 75 percent of loans of more than $150,000. The maximum loan amount is $5 million.

    Loan terms can last up to 25 years for real estate, up to 10 years for equipment (as long as the equipment is likely to stay useful during that time) and usually up to seven years for working capital. Interest rates are also competitive because the SBA limits the interest rate spread that banks are able to offer on the loans.

    Upside: The SBA guarantee gives banks some comfort room to approve loans or allow borrowers to repay loans over a longer period of time. You might want to consider an SBA loan if you are looking for a loan with a longer term and lower payments — or have loan application barriers related to inadequate collateral or limited operating history.

    Downside: Even though the SBA has tried to make it better, the time-consuming paperwork and red tape surrounding SBA loans is legendary. You might move mountains and still not prove that you have the cash flow required for a 7(a). One potential solution might be to find a bank participating in the SBA Express program. which promises a 36-hour turnaround in return for only guaranteeing half of a loan s value. The maximum loan amount of $350,000 is also a fraction of the 7(a).

    How to get it: Large U.S. banks such as San Francisco-based Wells Fargo and Minneapolis-based U.S. Bank are also some of the most active SBA lenders .

    However, it might be worth it to check out local community banks with a focus on business lending. Such banks are a good bet in general for businesses financing because they have more leeway when it comes to approving loans, and their officers can be a wellspring of business financing advice.

    Want to find a bank with a niche in SBA lending? You can find out which area banks have the highest SBA loan volume by doing a search on the SBA website.

    While shopping around among banks, ask them if they belong to the SBA s Preferred Lenders Program, in which the SBA delegates much of the decision making and loan servicing to banks that have shown themselves proficient in processing SBA-guaranteed loans. Such banks will have more SBA loan expertise, and should hopefully be able to better navigate the paperwork with you.

    While 7(a) is the SBA s primary loan program, the agency supports other types of small business financing:

    The CDC/504 Program provides long-term, fixed-rate financing for businesses acquiring new facilities or modernizing existing locations. The SBA designates particular nonprofits as Certified Development Companies (CDCs) that are able to provide CDC/504 loans — entirely guaranteed by the SBA — for 40 percent of project costs. The limit on the SBA s portion is $5 million. Private sector lenders finance half of the cost of the project, with the business kicking in 10 percent out of pocket.

    The Microloan Program is meant to increase the availability of very small loans to small-business borrowers. Nonprofit community-based organizations serve as intermediaries. Loans can reach to up to $50,000, with an average microloan of about $13,000.

    The SBA also helps provide advice to small businesses, and aids them in efforts to secure government contracts.

    Udaan 2016: The Business Quiz for Corporates #find #business

    #business quiz


    National HRD Network, Ranchi Chapter in association with Management Training Institute (MTI), SAIL is organizing the sixth UDAAN Business Quiz for corporates. This event was started in the year 2011 with an objective to promote quizzing culture in Ranchi and provide a common platform for the practicing managers to exchange ideas and update their knowledge about the emerging trends and concepts in management. The year 2015 had an overwhelming response with 68 teams participating in the event from corporates houses like ONGC, NSPCL, SKF, PGCIL, MECON,NMDC, IOC, CAPGEMINI, NINL, PGCIL, RINL,HPCL,HEC, Tata Steel ,JSPL, JSW Energy,TCS besides our own SAIL teams. We have been getting active support from MECON Limited, Ranchi for the event in the past. This year we are planning to organize UDAAN: 2016 on 19th June -2016 in the Auditorium of MTI, Ranchi.
    We are expecting participants from various Corporate Houses to participate in the Business Quiz. We request you to help in nominating 3/4 (Three/Four) teams (each team consisting of 2 members) from your organization in this Business Quiz to make it a grand success. The scheme of the Business Quiz is enclosed for your kind perusal. We are looking forward to your kind support and encouragement for the aforesaid event.

    Quizmaster: Ajay Poonia

    Date: 19th June, 2016

    Venue: SAIL-MTI, Ranchi

    Topics: Current Business Events, Brands, Logos, Business Personalities, Management Concepts, Advertisements, Films, Taglines etc.

    For details and registration, please contact:

    About the author

    Diligent checker of L and R before putting on the headphones. Professional browser history cleaner. Sometimes just wants to give it all up and become a handsome billionaire.

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