Auto Finance Company – Debt Consolidation Loans Bad Credit, finance companies.#Finance #companies

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Business – BBC News, how to finance a business.#How #to #finance #a

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Your biggest financial decision – in charts

How to finance a business

Your biggest financial commitment is your home. Here is the story of the last 10 years in 10 charts.

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6 Small Business Finance Basics You Must Understand, small business finance.#Small #business

6 Small Business Finance Basics You Must Understand

Small business finance

Bookkeeping is vital to properly managing your business resources. Additionally you will need these records for tax purposes. Whether you DIY or hire someone to keep track of everything you should understand the importance and the basics of bookkeeping.

Keeping good records of operations will alert you to any cash flow issues and potential legal problems as well and keeping all records up to date will make your year-end tax prep much simpler. Here are a few basics that should always be standard practice to keep in your books.

Revenue and Expenses

Every transaction should be recorded. How much is coming in and how much is going out and where is it is all coming from and going to.

It is important to record the cash your business spends so you ll have an accurate number of expenses each year. Writing reimbursable checks and keeping detailed petty cash records are both valid methods of documenting cash expenditures.

Inventory

Maintain records of all inventory! This will help you to forecast for the upcoming year by tracking trends, prevent stealing and misplacing merchandise and keep inventory holdings to a minimum. Dates purchased, stock numbers, purchase prices, dates sold, and sale prices are all relevant information for inventory records. And keep personal and business finances separate!

Accounts Receivable and Payable

Always keep track of what customers owe you and what debts you owe others. It s prudent to record as much data as possible including invoice dates, numbers, amounts, terms, dates and amounts paid or due, balances, and client information in real time.

Employees/Payroll

Hiring even one employee invokes your responsibility to file and pay forms and payroll taxes and each state has its own tax obligations. Employers are responsible for maintaining employee forms such as the W-4 (Withholding Allowance Certification) and the I-9 (Employment Eligibility Verification). You are responsible for maintaining records on withholding, employer matching, unemployment and worker s compensation.

If you decide to do your own bookkeeping, you should consult with an expert especially at the beginning to make sure that you are on track. As your business grows, you may want to bring someone on and/or deploy more sophisticated bookkeeping software.

Preparing for Tax Time

With your books in order, prepping for taxes should be a breeze. With everything in order from the beginning it saves you from having to go back to try to figure things out. Don t forget about the small things like car mileage and petty cash.





Business finance and loans, Small Business, small business finance.#Small #business #finance

Business finance and loans

If you’re starting or expanding your business you may need to obtain finance.

Carefully consider the type of finance as it could affect your tax obligations and cash flow.

Before sourcing finance:

  • determine how much finance you will need
  • develop a sound business plan
  • consider the timeframe you will need to repay the loan
  • determine your ability to repay the loan

TIP: Seek professional advice from your accountant or business adviser to help you make sound financial decisions.

Types of finance

Two of the main types of finance include:

  • Debt finance – money borrowed from external lenders, such as a bank
  • Equity finance – investing your own money, or funds from other stakeholders, in exchange for partial ownership.

It is possible to have both types of finance in your business.

Advantages

Disadvantages

  • You retain full control of your business.
  • The interest on the loan is tax deductable.
  • The loan can be short or long term.
  • The loan must be paid back within a fixed time period.
  • Loan repayments will commence shortly after the loan is approved.
  • The loan is often secured against collateral which may include assets of the business or the owner’s property.
  • It can be difficult to grow the business because of the cash drain of repaying the loan.
  • Less risky than a loan as the investment does not need to be paid back immediately.
  • You’ll have more cash on hand as profits do not have to be used to repay loan.
  • The investor(s) can provide additional credibility and skill sets to your business.
  • The investor(s) will want some ownership or controlling interest of your business and will have a say in business decisions.
  • It takes time and effort to find the right investor for your business.

TIP: You are recommended to review the relationship with your lender on an annual basis to ensure that you are getting the best finance terms.

Sources of finances

The main sources of debt finance are:

  • Financial institutions – banks, credit unions and building societies. Finance can be provided as loans, overdrafts and lines of credit.

  • Retailers – purchasing goods for your business through store credit via a finance company. Store cards can attract high interest rates; however some retailers offer an interest free period.

  • Finance companies – most finance companies offer finance products via a retailer. Financial companies must be registered with the Australian Securities and Investments Commission (ASIC).

  • Suppliers – trade credit allows you to delay payment for goods.

  • Factor companies – also referred to as debtors finance. Factoring is when a business sells its accounts receivable (invoices) to a third party (called a factor) so that it can receive cash without waiting the 30 or 60 days for customer payment. Customers pay their invoice directly to the factor company. The cost for providing this service will vary between companies and it is important for you to research these costs before entering into any agreement.

  • Invoice finance – essentially the same as factoring, however invoices are paid to your business and customers are not aware of your arrangements with the financier.

  • Peer-to-peer lenders – matches people who have money to invest with people looking for a loan. Loans may need to be repaid within a certain time period and interest rates may vary according to the level of risk.

  • Family or friends – may offer you money as a loan. To avoid misunderstanding it is important to have a formal written agreement specifying the terms of the loan, repayment requirements and terms of interest. Seek legal advice to draw up the loan agreement.
  • The main sources of equity finance are:

    • Personal finances – self funding your business from personal savings or sale of personal assets.

  • Venture capitalists – professional investors that invest large funds into businesses (as equity) with potential for high growth and profit.

  • Family or friends – may provide funds in return for a share in your business or as a partnership. Carefully consider this option as a breakdown in business relationships may affect your personal relationships. Read Partners in Business for more information.

  • Private investors – also known as ‘business angels’ are generally wealthy individuals who invest large sums of money in a business in return for equity and a share of the profits.

  • Crowd funding – raising capital through the collective efforts of a large pool of individuals, primarily online via social media or crowd funding platforms. It allows investors to provide large sums of money in exchange for equity, or small amounts in return for a first-run product or other reward.

  • Government – most government assistance for small business is in the form of free or low cost advisory services, information or guidance. However, you may be eligible for a grant in certain circumstances, such as business expansion, research and development, innovation or exporting.

  • Stock market – raising money by issuing shares to the public. This can be complex and expensive, and poor market conditions may affect your ability to raise funds.




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    The Top 4 Companies for Auto Finance, finance companies.#Finance #companies

    Looking For The Best Auto Finance Companies?

    5005 W. Royal Lane, Suite 209

    Irving, TX 75063

    Services Offered: Auto finance

    Company Overview: MyAutoLoan.com was established in 2004. They are an entirely e-commerce based company, and offer affiliation with some of the top lenders in the nation for auto loans. They are a subsidiary of Horizon Digital Finance, LLC, which was founded in 2003 to provide direct-to-consumer auto financing. The company is a recognized leader in the online lifestyle financing process, bringing the choice back to consumers.

    Our Review: MyAutoLoan.com has plenty of great loan options for consumers. They offer many different programs and great rates for all types of people. The website is really easy to use, and very well designed. Their customer service is top-rate, as well, which is an added bonus.

    User Review: MyAutoLoan.com helped me get a much better rate on auto finance than the dealer was offering. I couldn’t believe how affordable the payments were, or how much money I was able to save by outsourcing my needs beyond the dealership. I’ll never finance through a dealership again.

    12777 High Bluff Drive, Suite 100

    San Diego, CA 92130

    Services Offered: Auto Finance

    Company Overview: Bank of Internet was the first online-only bank to come into business. They were founded in 1999, and currently have more than $1 billion in assets. The company is FDIC-insured, like any bank should be. They also have better rates on their products, including auto finance, since they operate online-only. They also work with customers all over the nation.

    Our Review: Bank of Internet is still one of our favorite lenders. For auto financing, they have many different programs for all types of consumers. They have a professional and easy to use website, and offer so many resources so that people can get exactly what they need. Plus, the customer service is great, which is essential.

    User Review: Bank of Internet had great options for my auto finance needs. I wasn’t sure about working with a company that was only online, but once I saw all they had to offer, I was sold on their services. Now I can get exactly what I want at the dealership and trust that I’ll be able to afford the payments.

    Finding Auto Finance Options

    There are many different places that you can turn to for your auto financing needs. If you’re not sure of your options, you need to take the time to research what’s out there and make the most of it for your specific needs. By doing this, you’ll be able to be better informed and more prepared for the world of auto finance. The first rule is that if you can’t afford a car, you shouldn’t buy it. This might seem obvious, but many people do whatever they can to find a way to afford a vehicle that is far too expensive for their budget, including getting loans that extend for far too long and even paying more than they should just because they like the car. The worst thing that you can do is walk into a dealership with no financing in place, and not have a firm understanding of what you want to spend. For starters, get pre-approved for auto financing before you even visit a dealership. This will give you a better idea of your budget. Also, you should learn to stand your ground and never pay sticker price for a vehicle. You should be firm in your bargaining, so that the salesman knows that they aren’t going to sell you a vehicle unless they give you exactly what you want and need. For example, if you are looking to spend less than $14,000, and the car that you find is sticker priced at $17,995, you should be able to talk the dealer down or move on to a different vehicle. Play hard to get, and you’ll likely get the deal that you deserve. It might seem silly to walk away or even walk out of a dealership empty-handed, but this will show them that you’re serious, and their desire to sell you a car will likely allow you to get the deal that you want when you do this. If you act like you don’t care whether you get the car or not, but let them know that you do like it, you’ll be much better off than if you appear desperate and willing to do whatever it takes to get that car. If you don’t get auto financing before you go into a dealership, you should still stand your ground and be firm in what you want to pay. For example, tell them that you only want to pay ‘x’ amount for a monthly payment for the car that you are interested in, and don’t budge. This will make them work harder to get you the auto finance that you deserve, because they know that they can’t take advantage of you or talk you into something that you can’t afford. As long as you take the time to consider these things, you’ll have no trouble getting the auto financing and the car that you want.





    4 Finance Companies Likely to Beat Earnings Estimates, finance companies.#Finance #companies

    YahooFinance

    Finance companies

    At Zacks, we believe earnings estimates and projections are the most vital and influential metric in determining the future success of a stock. Earnings season is right around the corner, and these reports can cast skepticism, as well as optimism, onto a business’s financial outlook, which can heavily affect a stock’s future performance.

    Fortunately, Zacks Premium customers can utilize the Earnings ESP (Expected Surprise Prediction) filter in order to discover which stocks are expected to beat their projected earnings estimates. A positive Earnings ESP, along with a Zacks Rank of #3 (Hold) or better, can be a solid indicator of an impending earnings surprise.

    Today we’ll be looking specifically at financial stocks! Finance companies are known to be mostly stable investments, with little expectations of big earnings surprise and growth. Nevertheless, the Zacks Earnings ESP filter allows us to search for finance firms that are projected to beat their earnings projections.

    Check out these 4 finance companies to buy now:

    1. Artisan Partners Asset Management Inc. APAM

    Artisan Partners Asset Management Inc. is an independent investment management firm that provides a broad range of global equity investment strategies. This company pays its shareholders an impressive 7.78% dividend and currently holds “A” grades for Value and Momentum. Basically, we believe that this stock is undervalued in comparison to the market and that its share price has continued to increase.

    Artisan Partners possesses an impressive projected EPS growth of 48.41% and a projected sales growth of 7.93%, both of which compare favorably to its industry averages of 11.31% and 4.02%, respectively. Furthermore, the company features a strong RoE of 99.17%, which towers over the industry average of 10.74%.

    Artisan Partners Asset Management Inc. was recently promoted to a Zacks Rank #1 (Strong Buy), and with an Earnings ESP of 3.45%, we can feel more confident about its ability to beat earnings estimates.

    2. Boston Private Financial Holdings, Inc. BPFH

    Boston Private Financial Holdings offers a full range of banking, commercial and residential lending, and various investment management services. The company has also beaten its earnings projections in four out of its five past operational quarters by an average of 13.27%. Boston Private holds a current cash flow growth of 33.39% and projected EPS growth of 9.69%, both of which beat the industry averages. Additionally, the company attempts to reward its shareholders by paying a respectable 2.88% dividend.

    Boston Private Financial Holdings currently sports a Zacks Rank #2 (Buy), and if its track record of impressive earnings beats wasn’t enough, its Earnings ESP of 9.09% should make investors feel better about its chances to beat earnings estimates this quarter.

    Interactive brokers is an automated global electronic market maker and broker specializing in routing order, executing and processing trades in securities, future, and foreign exchange instruments. The company is also known for its consistent technological excellence that constantly adjusts to restrictions made by the SEC.

    Interactive Brokers hold an impressive current cash flow growth of 53.52% and cash/price ratio of 2.93, both of which defeat its industry averages. Additionally, the company possesses a net margin of 5.45%, which sits above the current industry average. In essence, Interactive Brokers is retaining a large amount of its revenue in comparison to its competitors.

    Interactive Brokers Group was recently promoted to a Zacks Rank #2 (Buy), and with a positive Earnings ESP of a whopping 15.15%, this stock is looking strong headed into earnings season.

    E*TRADE Financial Corporation is a financial services company and an online brokerage industry. The company possesses an earnings ESP of 2.08%. Additionally, E*TRADE has beaten its earnings projections in each of the past seven operational quarters by an average of 18.61%. The company holds an “A” grade for Momentum, which means that its share price has continued to increase over time.

    Further, E*TRADE features an impressive projected sales growth of 15.73%. Also, E*TRADE possesses a cash flow per share of $2.75 in comparison with the industry average of $1.62. This means that the company is generating a large amount of cash per share than its competitors.

    E*TRADE Financial Corporation currently holds a Zacks Rank #1 (Strong Buy), and along with its aforementioned positive Earnings ESP, this could mean that a beat is in store this quarter.

    Today’s Stocks from Zacks’ Hottest Strategies

    It’s hard to believe, even for us at Zacks. But while the market gained +18.8% from 2016 – Q1 2017, our top stock-picking screens have returned +157.0%, +128.0%, +97.8%, +94.7%, and +90.2% respectively.

    And this outperformance has not just been a recent phenomenon. Over the years it has been remarkably consistent. From 2000 – Q1 2017, the composite yearly average gain for these strategies has beaten the market more than 11X over. Maybe even more remarkable is the fact that we’re willing to share their latest stocks with you without cost or obligation. See Them Free

    Want the latest recommendations from Zacks Investment Research? Today, you can download 7 Best Stocks for the Next 30 Days. Click to get this free report





    Finance company, financial institution, finance companies.#Finance #companies

    Finance company

    finance company , specialized financial institution that supplies credit for the purchase of consumer goods and services by purchasing the time-sales contracts of merchants or by granting small loans directly to consumers. Specialized consumer finance agencies now operate throughout western Europe, Canada, the United States , Australia, Japan, and some Latin American countries. Although they existed in the early 1900s, their greatest development came after World War II .

    Large-sales finance companies, which operate by purchasing unpaid customer accounts at a discount from merchants and collecting payments due from consumers, were a response to the need for installment financing for the purchase of automobiles in the early 1900s. Ally Financial , for example, was established as the General Motors Acceptance Corporation (GMAC) in 1919 to purchase automobile accounts receivable from car dealers who were themselves unable to finance time purchases. Many companies in both Europe and the United States continue to specialize in financing purchases of particular commodities and remain closely associated with specific manufacturers. Some also extend credit for wholesale purchases by retail dealers.

    Consumer finance or small-loan companies also arose in the 1900s. Until then the need for consumer loans had been met primarily by illegal “loan shark” activities because it was unprofitable for banks to make small loans at rates below legally set usury levels. In 1911 several states in the United States began adopting small-loan laws that authorized loans to consumers at rates above usury levels, making it financially practical to operate a consumer loan business. Today many companies engage both in the sales-finance business and in making loans directly to consumers.

    In some countries, including Belgium, Denmark, and Norway, commercial banks have also become important as a direct source of consumer credit. In many other countries, they are important as a source of capital for specialized finance companies. Many finance companies in Great Britain, Australia, and the Netherlands, for example, have become closely affiliated with commercial banks because of the banks’ role as capital subscribers. In other cases, commercial banks play an important role in their extension of credit to finance companies.





    Beyond the Bank Loan: 6 Alternative Financing Methods for Startups, how to

    Beyond the Bank Loan: 6 Alternative Financing Methods for Startups

    Many aspiring entrepreneurs have an idea for their business but lack the capital to actually start it. Brand-new businesses are often turned down for bank loans, and even if your business is established, funds can still be tough to secure. Loans funded by the Small Business Administration are usually more accessible, but they are becoming increasingly competitive.

    So what options are left for someone aspiring to be a small business owner? Here are six options beyond bank loans for financing your startup.

    Online lending

    Online lenders have become a popular alternative to traditional business loans. These platforms have the advantage of speed, as an application takes only about an hour to complete, and the decision and accompanying funds can be issued within days. Because of the ease and quickness of online lending, economist and former U.S. Treasury Secretary Larry Summers said at the 2015 Lend It conference that he expects online lenders to eventually reach more than 70 percent of small businesses.

    Editor s note: Are you considering a small business loan for your business? If you re looking for information to help you choose the one that s right for you, use the questionnaire below to have our sister site BuyerZone provide you with information from a variety of vendors for free:

    Angel investors

    Angel investors invest in early-stage or startup companies in exchange for a 20 to 25 percent return on their investment. They have helped to start up many prominent companies, including Google and Costco. Mark DiSalvo, CEO of private equity fund provider Semaphore said, You are likely to get an investor who has strategic experience, so they can provide tactical benefit to the company they are investing in.

    Find out what makes angel investors fund a business here.

    Venture capitalists

    Venture capital is money that is given to help build new startups that are considered to have both high-growth and high-risk potential. Fast-growth companies with an exit strategy already in place can gain up to tens of millions of dollars that can be used to invest, network and grow their company frequently.

    Brian Haughey, assistant professor of finance and director of the investment center at Marist College, said that because venture capitalists focus on specific industries, they can generally offer advice to entrepreneurs on whether the product will be successful or what they need to do to bring it to market. However, venture capitalists have a short leash when it comes to company loyalty and often look to recover their investment within a three- to five-year time window, he said.

    Learn more about venture capital here.

    Factoring/invoice advances

    Through this process, a service provider will front you the money on invoices that have been billed out, which you then pay back once the customer has settled the bill. This way, the business can grow by providing the funds necessary to keep it going while waiting for customers to pay for outstanding invoices.

    Eyal Shinar, CEO of small business cash flow management company Fundbox, says these advances allow companies to close the pay gap between billed work and payments to suppliers and contractors.

    By closing the pay gap, companies can accept new projects more quickly, Shinar told Business News Daily. Our goal is to help business owners grow their businesses and hire new workers by ensuring steady cash flow.

    Visit BND s guide to choosing a factoring service here.

    Crowdfunding

    Crowdfunding on sites such as Kickstarter and Indiegogo can give a boost to financing a small business. These sites allow businesses to pool small investments from a number of investors instead of having to look for a single investment.

    Make sure to read the fine print of different crowdfunding sites before making your choice, as some sites have payment-processing fees, or require businesses to raise their full stated goal in order to keep any of the money raised.

    Check out some emerging trends in crowdfunding here.

    Grants

    Businesses focused on science or research may be able to get grants from the government. The SBA offers grants through the Small Business Innovation Research (SBIR) and Small Business Technology Transfer (STTR) programs. Recipients of these grants are required to meet federal research-and-development goals, and have a high potential for commercialization.

    Learn more about applying for a small business grant here.

    Additional reporting by Katherine Arline and Nicole Taylor. Some source interviews were conducted for a previous version of this article.

    Jennifer Post graduated from Rowan University in 2012 with a Bachelor s Degree in Journalism. Having worked in the food industry, print and online journalism, and marketing, she is now a freelance contributor for Business News Daily. When she s not working, you will find her exploring her current town of Cape May, NJ or binge watching Pretty Little Liars for the 700th time.





    Business News & Financial News, Reuters, business finance.#Business #finance

    Business

    Business finance

    Asia-Pacific leaders say to fight ‘unfair trade’ in nod to Trump

    Business finance

    Exclusive: Rupert Murdoch twice discussed CNN with AT ?>

    6 Small Business Finance Basics You Must Understand, small business finance.#Small #business

    6 Small Business Finance Basics You Must Understand

    Small business finance

    Bookkeeping is vital to properly managing your business resources. Additionally you will need these records for tax purposes. Whether you DIY or hire someone to keep track of everything you should understand the importance and the basics of bookkeeping.

    Keeping good records of operations will alert you to any cash flow issues and potential legal problems as well and keeping all records up to date will make your year-end tax prep much simpler. Here are a few basics that should always be standard practice to keep in your books.

    Revenue and Expenses

    Every transaction should be recorded. How much is coming in and how much is going out and where is it is all coming from and going to.

    It is important to record the cash your business spends so you ll have an accurate number of expenses each year. Writing reimbursable checks and keeping detailed petty cash records are both valid methods of documenting cash expenditures.

    Inventory

    Maintain records of all inventory! This will help you to forecast for the upcoming year by tracking trends, prevent stealing and misplacing merchandise and keep inventory holdings to a minimum. Dates purchased, stock numbers, purchase prices, dates sold, and sale prices are all relevant information for inventory records. And keep personal and business finances separate!

    Accounts Receivable and Payable

    Always keep track of what customers owe you and what debts you owe others. It s prudent to record as much data as possible including invoice dates, numbers, amounts, terms, dates and amounts paid or due, balances, and client information in real time.

    Employees/Payroll

    Hiring even one employee invokes your responsibility to file and pay forms and payroll taxes and each state has its own tax obligations. Employers are responsible for maintaining employee forms such as the W-4 (Withholding Allowance Certification) and the I-9 (Employment Eligibility Verification). You are responsible for maintaining records on withholding, employer matching, unemployment and worker s compensation.

    If you decide to do your own bookkeeping, you should consult with an expert especially at the beginning to make sure that you are on track. As your business grows, you may want to bring someone on and/or deploy more sophisticated bookkeeping software.

    Preparing for Tax Time

    With your books in order, prepping for taxes should be a breeze. With everything in order from the beginning it saves you from having to go back to try to figure things out. Don t forget about the small things like car mileage and petty cash.





    Business Financing Loans and Options, small business finance.#Small #business #finance

    Are You in Need of a Business Loan?

    With the right loan, you may be in position to take your business to the next level.

    Small business finance Small business finance

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    Small-Business Loans – 3 ways to get a loan, business finance loan.#Business

    3 ways to get a small-business loan

    The recovering economic environment has meant that small businesses have had to be more creative when looking for loans.

    However, companies with sound business strategies still can borrow. Options include loans from traditional banks and institutions affiliated with the Small Business Administration, as well as financing from Internet-based lenders.

    “For creditworthy, high-scoring small businesses, there is money available,” says George Cloutier, CEO of American Management Services, a consultant to small businesses.

    Bank loans

    The best place to get a small-business loan is still a bank, says Cloutier. Banks typically offer the lowest interest rates and many have established reputations as trustworthy lenders.

    “Many small businesses try three or four banks and then stop looking,” Cloutier says. A more persistent approach has better odds of success.

    Calculate business loan payment

    Want to calculate your small-business loan payment? Go to Bankrate’s loan and amortization calculator.

    “Take out the phone book, target 10 banks and work through that list,” he says.

    That strategy worked for Michael McKean. He is founder of The Knowland Group, a company that helps hotels fill up their meeting space.

    A few years ago, as the success of The Knowland Group grew, McKean began searching for a bank that would give the growing company expanded access to credit.

    “We talked to every bank in our area, at least a dozen,” McKean says. “Many came back with proposals, but the terms were very onerous. Or sometimes they shifted terms.”

    Finally, M T Bank came through.

    “They just wanted to get our business,” McKean says.

    McKean says his company did not approach M T any differently than it had approached the other banks. It was just a matter of being persistent until the right deal came along, he says.

    “We did everything right, approaching the right person at each bank,” he says. “We’re a profitable business. I think it was just the … credit crunch that prevented us from getting a loan.”

    Cloutier says the key to success with banks is to show past profitability, and to describe a well thought-out plan for future profits.

    “If you aren’t making a profit now, you must be able to tell the bank how you will change that in the short term, or you really won’t be able to get a loan,” he says.

    He also recommends that businesses start small in their loan requests.

    “If you need money for four trucks, ask for two,” Cloutier says. “The bigger the loan request, the harder it is to get it approved.”

    SBA loans

    Another way to find a bank loan is through the Small Business Administration, or SBA. The SBA can direct you to banks that offer loans guaranteed by the agency. This way, you’ll have the advantage of approaching banks specifically interested in lending to small businesses.

    Interested businesses should contact the SBA office nearest to them, which can be found on the agency’s website. Jeanne Hulit, the SBA’s acting administrator, urges businesses to seek a bank that is an experienced SBA lender.

    Banks granting SBA loans place increased emphasis on business plans, cash flow and profit forecasts in deciding whether to lend, she says. The SBA also can refer businesses to free counseling centers to improve their performance.

    Online opportunities

    Another source for loans is the Internet. There are several sites where businesses can seek alternative lenders, such as individuals and small companies.

    Interest rates are generally a little higher than what a bank will charge, but it’s much less than what you’ll have to pay on many credit cards.

    Look around at different sites, some may charge a one-time fee to list your business, while others are free to list but might have fees reflected in loan rates.

    If you’re going to list your company on one of these sites, describe your business in clear and concise language.

    Lastly, make sure to investigate the company you are looking to post your business on. These kinds of companies were successful in 2008 and during the recession, but times have changed. Many have since gone out of business. Before paying for anything, make sure the company is legit.





    Business News & Financial News, Reuters, how to finance a business.#How #to

    Business

    How to finance a business

    Larsen & Toubro beats estimates with 27 percent jump in Q2 profit

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    Asia-Pacific leaders say to fight ‘unfair trade’ in nod to Trump

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    India to slash sales tax on most goods subject to highest rate

    How to finance a business

    Analysis: India plans lending reforms as bankers fear new bad debt crisis

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    Exclusive – Rupert Murdoch twice discussed CNN with AT ?>

    Compare Business Finance Products Today at MoneySupermarket, business finance.#Business #finance

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    Compare business finance products

    Seek out the best deals on a wide range of products including in-credit business current accounts, cashback business credit cards and short-term business loans – plus get exclusive deals on business products that you can’t find anywhere else.

    Business finance. Trust us to explain it simply

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    Medium to long-term business loans

    We ve provided a list of those who can help if you re interested in taking out a medium to long term loan.

    Commercial mortgages

    Every question you have around commercial mortgages – solved

    Business saving accounts

    Just like a personal account, you can manage and save your financies to support your business

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    Financing for the things where your business needs it most

    Short-term business loans

    From helping with cash-flow to expansion costs, a short-term loan could be an option if your business needs a boost

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    Often an ideal solution when in need of a instant cashflow-fix.

    Business current accounts

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    Credit cards can be used as a way of managing both staff spending and cashflow.

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    Ensure your business has the protection it requires

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    Managing business expenses

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    What are business loans

    All you need to know about taking out a loan for your business.

    What are business current accounts

    The best way to keep your personal and business-banking separate.

    Business savings accounts explained

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    Peer-to-peer business loans

    A loan that comes from individuals, as opposed to the bank. We explain how.

    Invoice financing

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    What are business credit cards

    Credit cards can be used as a way of managing staff spending and cashflow

    Business finance in general

    When it comes to managing your business finances, it’s not all that different from managing your personal finances.

    The key difference is the fact you want to seek out products that are specifically designed for business use, as these will offer better rates as well as other features aimed at making running your business easier for you.

    Who business finance is for?

    Business finance is for any type of business, no matter how big or small.

    You may want to think about business finance if you operate as a sole trader, or if you are a limited company – or if you are anything in between.

    Who can apply?

    Anyone who owns a business can apply for business finance, but you must remember that with some products, such as business loans, it may be difficult to get accepted in the current uncertain climate.

    As a general rule, those businesses with the cleanest credit record have the best chance of getting accepted – and of getting the best rates.

    What products are available within business finance?

    There are a wide range of products available within business finance offered by numerous different banks and other financial organisations, including business current accounts, business credit cards and business loans.

    Each product on offer in business finance has been designed with business in mind, and will help you to run your business operations more smoothly.

    Why are we the best website for business finance products comparison?

    If you’re looking for business finance products then you need look no further, as we compare hundreds of deals from different providers in one place to seek out the very best deal for you and your particular needs.

    We offer a free and independent comparison tool, and also have access to exclusive deals on business finance products that you won’t be able to find anywhere else.





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    Finance and support for your business, business finance.#Business #finance

    Finance and support for your business

    Access to finance is a scheme for businesses who need help raising finance for growth.

    Provides free business development support and guidance.

    Loan and grant fund to support automotive and aerospace projects in the West Midlands and Liverpool.

    Training and advice to encourage the establishment of co-operatives.

    Advice and support for businesses in southern England.

    Business advice and support for individuals starting a business.

    Advice on good practice in employment and employment relations.

    Specialist advice and training for problem solving and service provision in agriculture, animal health, food, environment and biosciences in Northern Ireland.

    Grants and support to increase research, development and innovation in agritech.

    Helps businesses employ apprentices by providing them with training opportunities.

    Business support, training and advisory services for the Ards Borough Area.

    Armagh Business Centre offers tailored support for businesses in Nothern Ireland.

    Loans for new and existing small businesses to create and safeguard jobs in the West Midlands

    Grants for programming costs, organising and running arts programmes in Nothern Ireland.

    Funding for creative organisations and projects in Wales

    Vouchers to access external expertise, facilities and equipment to help your business innovate and grow.

    Information and guidance on working in environment with asbestos.

    Specialist advice for small businesses based in Northern Ireland.

    Training of motor mechanics in electronic diagnosis of faults.

    Free support, help with finance and low-cost flexible workspace for new and existing small or medium businesses in Barking and Dagenham.

    Loans to help small and medium-sized businesses develop and grow.

    Offers free support and guidance for graduates of any university in England, Scotland, Wales and Northern Ireland to start a business.

    Support for beef and sheep farmers in Wales.

    Subsidised broadband installation for businesses that can’t access an affordable broadband service with a speed of at least 2MB per second.

    Free, quick and easy access to a directory of approved finance suppliers for UK businesses.

    Big Issue Invest helps social enterprises and charities by providing loans and investments.

    Support for scientists and business specialists to solve a process, material, or product development challenge.

    Advice and support for businesses across Lancashire: including coaching, mentoring, skills training, funding and start-up support.

    Business grants to install high speed broadband connections directly to a premises in Cardiff and Swansea

    Funding for the installation of broadband to areas in Wales where existing providers don’t provide a service.

    Grant funding to the value of £1,000 available to invest in projects that will help grow your business.

    Free business support and advice tailored to your business needs.

    Grants to help Swansea City centre businesses improve their shopfronts or building facades

    Free support for small and medium-sized businesses in the development of products and services that reduce carbon usage.

    Free one to one advice for pre-start and new businesses based in the South East of England

    Advice, workshops, loans and innovation grant services for start-up and trading businesses in Cambridgeshire, Essex, Norfolk and Suffolk

    Free advice, planning and on-going support for business start-ups in south-east England

    Advice on topics like licensing, finances, recruitment and development for new and established businesses based in Wales

    Information, advice, training and support for businesses based in North Somerset

    Start-up advice and support for businesses in Essex

    Advice, databases, publications and workshops for business owners, innovators and entrepreneurs who want to grow.

    Programmes to support businesses and social enterprises in Northern Ireland.

    One-to-one advisory sessions and specialised workshops available for businesses in Derbyshire, Nottinghamshire and Greater Lincolnshire.

    Alternative financing for UK small business owners.

    One-to-one and online business advice from 6 business centres on starting, growing or relocating your business in East Riding.

    Business planning, sales, marketing and social media workshops and advice for Tees Valley residents thinking of starting a business.

    Increases awareness of business continuity management in Manchester’s business and voluntary sector.

    Start-up and development grants for businesses in Wales.

    Grants to help start-up and established small and medium-sized businesses (SMEs) in North Yorkshire to grow.

    Energy reviews and grants to help businesses in the West Midlands manage and reduce energy costs.





    Finance and support for your business, business finance.#Business #finance

    Finance and support for your business

    Access to finance is a scheme for businesses who need help raising finance for growth.

    Provides free business development support and guidance.

    Loan and grant fund to support automotive and aerospace projects in the West Midlands and Liverpool.

    Training and advice to encourage the establishment of co-operatives.

    Advice and support for businesses in southern England.

    Business advice and support for individuals starting a business.

    Advice on good practice in employment and employment relations.

    Specialist advice and training for problem solving and service provision in agriculture, animal health, food, environment and biosciences in Northern Ireland.

    Grants and support to increase research, development and innovation in agritech.

    Helps businesses employ apprentices by providing them with training opportunities.

    Business support, training and advisory services for the Ards Borough Area.

    Armagh Business Centre offers tailored support for businesses in Nothern Ireland.

    Loans for new and existing small businesses to create and safeguard jobs in the West Midlands

    Grants for programming costs, organising and running arts programmes in Nothern Ireland.

    Funding for creative organisations and projects in Wales

    Vouchers to access external expertise, facilities and equipment to help your business innovate and grow.

    Information and guidance on working in environment with asbestos.

    Specialist advice for small businesses based in Northern Ireland.

    Training of motor mechanics in electronic diagnosis of faults.

    Free support, help with finance and low-cost flexible workspace for new and existing small or medium businesses in Barking and Dagenham.

    Loans to help small and medium-sized businesses develop and grow.

    Offers free support and guidance for graduates of any university in England, Scotland, Wales and Northern Ireland to start a business.

    Support for beef and sheep farmers in Wales.

    Subsidised broadband installation for businesses that can’t access an affordable broadband service with a speed of at least 2MB per second.

    Free, quick and easy access to a directory of approved finance suppliers for UK businesses.

    Big Issue Invest helps social enterprises and charities by providing loans and investments.

    Support for scientists and business specialists to solve a process, material, or product development challenge.

    Advice and support for businesses across Lancashire: including coaching, mentoring, skills training, funding and start-up support.

    Business grants to install high speed broadband connections directly to a premises in Cardiff and Swansea

    Funding for the installation of broadband to areas in Wales where existing providers don’t provide a service.

    Grant funding to the value of £1,000 available to invest in projects that will help grow your business.

    Free business support and advice tailored to your business needs.

    Grants to help Swansea City centre businesses improve their shopfronts or building facades

    Free support for small and medium-sized businesses in the development of products and services that reduce carbon usage.

    Free one to one advice for pre-start and new businesses based in the South East of England

    Advice, workshops, loans and innovation grant services for start-up and trading businesses in Cambridgeshire, Essex, Norfolk and Suffolk

    Free advice, planning and on-going support for business start-ups in south-east England

    Advice on topics like licensing, finances, recruitment and development for new and established businesses based in Wales

    Information, advice, training and support for businesses based in North Somerset

    Start-up advice and support for businesses in Essex

    Advice, databases, publications and workshops for business owners, innovators and entrepreneurs who want to grow.

    Programmes to support businesses and social enterprises in Northern Ireland.

    One-to-one advisory sessions and specialised workshops available for businesses in Derbyshire, Nottinghamshire and Greater Lincolnshire.

    Alternative financing for UK small business owners.

    One-to-one and online business advice from 6 business centres on starting, growing or relocating your business in East Riding.

    Business planning, sales, marketing and social media workshops and advice for Tees Valley residents thinking of starting a business.

    Increases awareness of business continuity management in Manchester’s business and voluntary sector.

    Start-up and development grants for businesses in Wales.

    Grants to help start-up and established small and medium-sized businesses (SMEs) in North Yorkshire to grow.

    Energy reviews and grants to help businesses in the West Midlands manage and reduce energy costs.





    Group Finance Companies, finance companies.#Finance #companies

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    Finance companies

    Group Finance Companies perform the following functions:

    • Sourcing external debt finance.
    • Accumulation of interest income and tax optimization of high tax country group operating companies.
    • Redistribution of funds within the group.

    Such companies may take advantage of the Cyprus Double Tax Treaties by providing loans in treaty countries or other countries where withholding tax on interest is low or nil.

    The use of Cyprus Entities for group finance are extremely attractive. Cyprus Finance Companies can fulfil intra-company and inter-company financial management functions, such as granting of loans for project financing or working capital requirements. Interest payments to the Cyprus Financing Company is tax deductible in the country of the borrower reducing the overall corporation tax liability. Choosing the right international jurisdiction for the use of double tax treaties can reduce or eliminate withholding taxes on interest payments.

    These structures are particularly attractive for investment into high-tax countries where, local rules permitting, high debt structures are widely used.

    Apart from the generic features of the tax system, the DTT Network and the adoption of EU Directives, other important features of the tax system beneficial to Cyprus (Group) Finance are the following:

    • Absence (under a Double Tax Treaty or the Interest and Royalty Directive) of interest withholding tax.
    • Low overall tax burden.
    • Possibility of deducting interest expenses from taxable income.
    • Absence of thin capitalization rules or their inapplicability in the case of “back to back” financing.
    • Absence of interest withholding tax in connection with interest paid on loan financing, irrespective of jurisdiction or the absence of a DTT (even for interest payments to offshore jurisdictions).
    • Reasonable level of “margin” required by tax authorities.
    • Low expense level for professional / financial fees.

    Please contact us for more information:

    Tax Structures can legally mitigate one’s tax liabilities. More information can be provided on request (contact us). However, it must be noted that since some of the structures may be technically complex, they are ideally discussed at a meeting with Focus Business Services’ Directors.

    Note: Our Directors are continuously travelling to a number of countries meeting existing and potential clients and associates.

    Please either scroll up or down or click below to go to the relevant section:





    4 Finance Companies Likely to Beat Earnings Estimates, finance companies.#Finance #companies

    YahooFinance

    Finance companies

    At Zacks, we believe earnings estimates and projections are the most vital and influential metric in determining the future success of a stock. Earnings season is right around the corner, and these reports can cast skepticism, as well as optimism, onto a business’s financial outlook, which can heavily affect a stock’s future performance.

    Fortunately, Zacks Premium customers can utilize the Earnings ESP (Expected Surprise Prediction) filter in order to discover which stocks are expected to beat their projected earnings estimates. A positive Earnings ESP, along with a Zacks Rank of #3 (Hold) or better, can be a solid indicator of an impending earnings surprise.

    Today we’ll be looking specifically at financial stocks! Finance companies are known to be mostly stable investments, with little expectations of big earnings surprise and growth. Nevertheless, the Zacks Earnings ESP filter allows us to search for finance firms that are projected to beat their earnings projections.

    Check out these 4 finance companies to buy now:

    1. Artisan Partners Asset Management Inc. APAM

    Artisan Partners Asset Management Inc. is an independent investment management firm that provides a broad range of global equity investment strategies. This company pays its shareholders an impressive 7.78% dividend and currently holds “A” grades for Value and Momentum. Basically, we believe that this stock is undervalued in comparison to the market and that its share price has continued to increase.

    Artisan Partners possesses an impressive projected EPS growth of 48.41% and a projected sales growth of 7.93%, both of which compare favorably to its industry averages of 11.31% and 4.02%, respectively. Furthermore, the company features a strong RoE of 99.17%, which towers over the industry average of 10.74%.

    Artisan Partners Asset Management Inc. was recently promoted to a Zacks Rank #1 (Strong Buy), and with an Earnings ESP of 3.45%, we can feel more confident about its ability to beat earnings estimates.

    2. Boston Private Financial Holdings, Inc. BPFH

    Boston Private Financial Holdings offers a full range of banking, commercial and residential lending, and various investment management services. The company has also beaten its earnings projections in four out of its five past operational quarters by an average of 13.27%. Boston Private holds a current cash flow growth of 33.39% and projected EPS growth of 9.69%, both of which beat the industry averages. Additionally, the company attempts to reward its shareholders by paying a respectable 2.88% dividend.

    Boston Private Financial Holdings currently sports a Zacks Rank #2 (Buy), and if its track record of impressive earnings beats wasn’t enough, its Earnings ESP of 9.09% should make investors feel better about its chances to beat earnings estimates this quarter.

    Interactive brokers is an automated global electronic market maker and broker specializing in routing order, executing and processing trades in securities, future, and foreign exchange instruments. The company is also known for its consistent technological excellence that constantly adjusts to restrictions made by the SEC.

    Interactive Brokers hold an impressive current cash flow growth of 53.52% and cash/price ratio of 2.93, both of which defeat its industry averages. Additionally, the company possesses a net margin of 5.45%, which sits above the current industry average. In essence, Interactive Brokers is retaining a large amount of its revenue in comparison to its competitors.

    Interactive Brokers Group was recently promoted to a Zacks Rank #2 (Buy), and with a positive Earnings ESP of a whopping 15.15%, this stock is looking strong headed into earnings season.

    E*TRADE Financial Corporation is a financial services company and an online brokerage industry. The company possesses an earnings ESP of 2.08%. Additionally, E*TRADE has beaten its earnings projections in each of the past seven operational quarters by an average of 18.61%. The company holds an “A” grade for Momentum, which means that its share price has continued to increase over time.

    Further, E*TRADE features an impressive projected sales growth of 15.73%. Also, E*TRADE possesses a cash flow per share of $2.75 in comparison with the industry average of $1.62. This means that the company is generating a large amount of cash per share than its competitors.

    E*TRADE Financial Corporation currently holds a Zacks Rank #1 (Strong Buy), and along with its aforementioned positive Earnings ESP, this could mean that a beat is in store this quarter.

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    Modi-Trump Bilateral Meeting Likely On Monday At ASEAN Summit

    JSW Steel, Lodha Group Among 20 Entities Eyeing Jaypee’s Noida Projects

    China shopping festival smashes record with $25 billion haul

    Alibaba, the Chinese e-commerce giant, said on Saturday its Singles Day sales extravaganza hit $25.4 billion, smashing its own record from last year and cementing it as the world s biggest shopping event. Once a celebration for China s lonely hearts, Singles Day has become an annual

    Create Your Website – Start Here

    Yahoo Search can help you compare hundreds of companies to help you create your own website.

    Reliance Communications Posts Q2 Loss Of Rs 2,709 Crore

    Reliance Communications posts fourth straight quarterly loss.

    APEC leaders agree to address unfair trade practices

    Asia-Pacific leaders on Saturday agreed to address unfair trade practices and urgently called for the removal of market distorting subsidies, in contrast to communiques they have issued in the past. A joint statement issued by 21 countries of the Asia-Pacific Economic Cooperation

    Recap Plan Will Enable State-Run Banks To Take Necessary Haircuts, Says HDFC’s Mistry

    Mistry expects a resolution on most RBI-identified stressed accounts within the next 3-4 quarters.

    ONGC Aims To Complete HPCL Acquisition By March

    ONGC hopes to complete its merger with HPCL by March next year.

    The Inspiration Behind Eataly s Growing Footprint

    Eataly s passion for showcasing regional specialties is fueling its expansion across the U.S.

    Jeffrey Immelt Says He May Have Overstayed At General Electric

    “16 years is on the outer edge of how long somebody should be running a company like GE,” Immelt said.

    Boeing sees steady Gulf demand, interest in mid-sized jet

    Boeing sought to dispel concerns about a slowdown in the growth of Gulf airlines as the aerospace industry gathered on Saturday for the Dubai Airshow. Speaking on the eve of the showcase event, executives at the U.S. planemaker also played down the impact of growing political tensions in the region.

    Congress Says Credit For GST Rate Cuts Goes To Rahul Gandhi

    GST Council slashed rates due to pressure from Rahul Gandhi, Congress says.

    RInfra s Q2 consolidated net profit at Rs 544 cr

    Mumbai, Nov 11 (IANS) Reliance Infrastructure (RInfra) on Saturday reported a consolidated net profit of Rs 544 crore ($83 million) for the second quarter of 2017-18. The company had posted a net profit .

    Things to Do with Kids on a Cruise

    Give your kids (and yourself) the experience of a lifetime with this advice on what to do and see on a Southern Caribbean cruise.

    Supreme Court Bench To Hear Petition Seeking Probe Into Bribery Allegations

    PIL seeks probe into allegations that bribes were sought by a retired high court judge.

    Larsen Toubro beats estimates with 27 percent jump in Q2 profit

    India s top engineering and construction company Larsen Toubro Ltd reported a higher than expected 27 percent rise in second quarter net profit, helped by a one-off gain from the sale of a subsidiary. Consolidated net profit rose to 18.2 billion rupees ($279.31 million) in the three months ended

    Here are 10 best Indian cities to do business in

    India managed the highest jump by any country when it climbed 30 notches to reach the 100th position in World Bank’s ‘Ease of Doing Business’ index. While World Bank CEO Kristalina Georgieva called the jump rare, Prime Minister Narendra Modi said that it was a ‘historic’ one. States across India have

    Trans-Pacific trade deal advances without United States

    Countries in the Trans Pacific Partnership (TPP) trade deal have agreed on the core elements to move ahead without the United States, officials said on Saturday, after last-minute resistance from Canada raised new doubts about its survival. Taking the agreement forward is a boost for the principle of





    Finance and support for your business, business finance.#Business #finance

    Finance and support for your business

    Access to finance is a scheme for businesses who need help raising finance for growth.

    Provides free business development support and guidance.

    Loan and grant fund to support automotive and aerospace projects in the West Midlands and Liverpool.

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    Advice on good practice in employment and employment relations.

    Specialist advice and training for problem solving and service provision in agriculture, animal health, food, environment and biosciences in Northern Ireland.

    Grants and support to increase research, development and innovation in agritech.

    Helps businesses employ apprentices by providing them with training opportunities.

    Business support, training and advisory services for the Ards Borough Area.

    Armagh Business Centre offers tailored support for businesses in Nothern Ireland.

    Loans for new and existing small businesses to create and safeguard jobs in the West Midlands

    Grants for programming costs, organising and running arts programmes in Nothern Ireland.

    Funding for creative organisations and projects in Wales

    Vouchers to access external expertise, facilities and equipment to help your business innovate and grow.

    Information and guidance on working in environment with asbestos.

    Specialist advice for small businesses based in Northern Ireland.

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    Free support, help with finance and low-cost flexible workspace for new and existing small or medium businesses in Barking and Dagenham.

    Loans to help small and medium-sized businesses develop and grow.

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    Support for beef and sheep farmers in Wales.

    Subsidised broadband installation for businesses that can’t access an affordable broadband service with a speed of at least 2MB per second.

    Free, quick and easy access to a directory of approved finance suppliers for UK businesses.

    Big Issue Invest helps social enterprises and charities by providing loans and investments.

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    10 Ways to Finance a New Business #business #franchise

    #how to finance a business

    #

    10 Ways to Finance a New Business

    When you were eight years old, you launched a highly profitable lemonade stand in your front yard. With nothing but a packet of instant drink mix, a crudely drawn sign and a winning smile, you grossed a whopping $2.35 in just an hour and 15 minutes. If only all new businesses were that easy.

    According to the Global Entrepreneurship Monitor, a research group, the average cost of starting a new business in the United States in 2005 was $70,000 [source: Consumer Reports]. In a 2004 survey of failed businesses, 79 percent of respondents said that starting out with too little money was a major cause of their collapse [source: Sugars ].

    But how do you finance a new business? When you were eight, you could borrow the drink mix from mom. But now that you’re grown up, will she let you borrow her life savings?

    Luckily, you’re not the first entrepreneur to start with nothing but a good idea. Keep reading to learn about 10 effective and creative ways to raise start-up capital for your new business.

    Print |
    a data-track-gtm Byline href about-author.htm roos Dave Roos a 10 Ways to Finance a New Business 5 May 2009. br HowStuffWorks.com. lt http money.howstuffworks.com 10-ways-to-finance-new-business.htm gt 3 September 2016″ href=”#”>Citation Date





    How do I fund, or raise finance, for a franchise in the

    #franchise loans

    #

    Franchise Banks

    whichfranchise Finance

    For over 18 years, whichfranchise has been providing prospective franchisees in the UK with information and advice on funding a franchise. We have, and continue to work with some of the leading banks in franchising as well as other franchise finance specialists. In our dedicated section to franchise funding you can enquire about how much money you can borrow as well as how to approach a bank for finance, you can put any franchise finance related questions you have to one of the leading franchise specialist bankers in the UK, identify the true cost of buying a franchise and the importance of having a business plan and what should be included in it.

    Enquire about funding a franchise

    If you are interested in a franchise and wish to find out more about how much money you can borrow towards it, you can contact Lloyds Bank franchise division for further information and/or an informal chat. Click here to contact Lloyds Bank

    Funding a franchise advice

    Buying a franchise is a big step and, in a lot of cases, a big investment for most. It is vital that you check how much finance is available to you. Knowing this will also help with your decision as to which franchises are available within your budget. Read more about how to raise finance and funding options available to you

    Franchise business plan

    The business plan has two main purposes – obtaining finance from the bank and clarifying your aims and objectives. Here we look at the importance of the business plan and what should be included in it. Read more

    IN ASSOCIATION WITH

    Find out how much money you can borrow

    Ask the finance expert

    Richard Holden – Lloyds Bank

    Richard Holden is Head of Franchising for Lloyds Bank. He has 32 years banking experience and has supported a wide range of businesses in the small business sector for many years. He is responsible for providing support to the Lloyds Bank Business Managers, assisting them in assessing proposals from prospective franchisees. He is also responsible for ensuring that the network of local business managers has up-to-date information on the franchise systems operating within the UK.

    Cost of a franchise

    When looking at the cost of a franchise it can sometimes be confusing with talk of franchisee fees, deposits, average cost etc. In this section we look at how to identify the total costs of a franchise including explaining the difference between franchise fee, deposits, working capital, as well as how to verify a franchisor’s projections.

    • Real cost of investing in a franchise
    • Franchise deposits
    • Franchise fees
    • Evaluating financial aspects of a franchise
    • How to verify a franchisor’s projections

    How to approach a bank for finance

    When it comes to financing a business start-up, banks are favorable to franchising. The regard lending to prospective franchisees looking at well-structured ethical franchise systems a safer option than someone starting from scratch on their own.





    Loans and Finance #incorporate #a #business

    #business loans

    #

    LOANS FINANCE

    Commercial Mortgage

    • Apply for a minimum of 25,001 and choose a loan term from three to 25 years.
    • Borrow up to 70% of the property value. In some cases we can lend more.
    • Choose between a bank rate linked or fixed interest rate.
    • Capital repayment holidays of up to two years may be available on bank rate linked mortgages.
    • If you wish to borrow on other terms we may still be able to help you.

    Residential Buy-to-let Mortgage

    • Mortgages start from 25,001.
    • Choose a mortgage term from three to 25 years.
    • Borrow up to 70% of the property value and in some cases we can lend more.
    • Bank rate linked and fixed rates available.
    • A capital repayment holiday may be available for up to 12 months (to be taken at the start of the loan).

    1 8 out of 10 relates to loans and overdrafts in the period November 2013 to March 2016 .

    2 There is always a possibility that interest rates may go down leaving a fixed rate loan at a higher level compared to a variable rate loan. However, if interest rates rise, a fixed rate loan will remain at the same level.

    3 Capital repayment holidays available in certain circumstances only.

    Calls may be monitored or recorded in case we need to check we have carried out your instructions correctly and to help improve our quality of service.

    Lloyds Bank plc Registered Office: 25 Gresham Street, London EC2V 7HN. Registered in England and Wales no. 2065. Telephone: 020 7626 1500.

    Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 119278.

    We subscribe to The Lending Code; copies of the Code can be obtained from www.lendingstandardsboard.org.uk .

    Eligible deposits with us are protected by the Financial Services Compensation Scheme (FSCS). We are covered by the Financial Ombudsman Service (FOS). Please note that due to FSCS and FOS eligibility criteria not all business customers will be covered.





    The Financial Express – Business News, Industry, Personal Finance, Stock Market News

    #stock market news today

    #

    The Railways need to evaluate whether it should continue to have 125 hospitals, 600 polyclinics and 100 schools directly under its wing, he said.

    Outgoing RBI Governor Raghuram Rajan today rejected the idea of the government taking a special dividend from the central bank for recapitalisation of public sector lenders, saying there is no free lunch .

    India and Vietnam today called for a reform of the UN and an expansion of the Security Council in both the permanent and non-permanent categories of membership, with enhanced representation from developing countries.

    Country s largest two-wheeler maker Hero MotoCorp plans to launch 15 new products in domestic as well as international markets this fiscal, a top company official said today.

    Find the Jeep pricing absurd? Here s the reason and why it isn t necessarily bad

    New Jaguar sets record as fastest selling car for Tata Jaguar Land Rover

    Stable regulatory framework important for investment in auto sector

    The system, which would utilise the same machine learning technology used in Microsoft s artificial intelligence (AI) assistant Cortana, is designed to have a long lifecycle.

    Samsung announces swap for Galaxy Note 7 with Galaxy S7 variants

    Xiaomi Mi Max: Phablet with long-lasting battery for heavy users

    From UrbanClap to OTJ247, take to tech to slay the chores and really enjoy the festive season

    Odisha Chief Minister Naveen Patnaik today launched the Biju Kanya Ratna Yojana (BKRY) and inaugurated 1,000 anganwadi buildings here as part of the celebration marking birth centenary of legendary Biju Patnaik.

    The extraordinary life of Mother Teresa, who worked relentlessly for the upliftment of the destitute and who will be declared a saint by the Roman Catholic Church, must be brought alive on the silver screen, says India s acclaimed veteran filmmaker Shyam Benegal.





    Highest-paying finance companies in America #business #cards #free

    #finance companies

    #

    The 10 highest-paying finance companies in America

    Some industries are known for paying employees better than others.

    Finance is one of them.

    To find which banks and financial services companies are most generous when it comes to compensation, Glassdoor sifted through thousands of salary reports and compared the total median c ompensation (base pay, plus any commissions, tips, bonuses, etc.) for each finance company, as reported by employees over the past year.

    For the purposes of this report, a “finance company” is defined as one in which part of the company’s core products or services provide financial services and support, borrowing and lending, and/or payments.

    Here are the 10 companies in finance with the highest median total compensation package as reported to Glassdoor:

    View As: One Page Slides

    10. Macquarie Group

    Glassdoor

    Macquarie Group is a global financial services provider. Headquartered in Sydney, Australia, the company has offices around the world.

    Median total compensation: $120,000

    Median base salary: $105,000

    An employee said: “Very competitive pay, good health benefits package, flexible work schedule, diverse and supportive work environment.”

    9. CME Group

    Glassdoor

    CME Group is a global derivatives marketplace headquartered in Chicago, Illinois.

    Median total compensation: $120,000

    Median base salary: $110,000

    An employee said: ” Standard industry benefits, above industry pay, tuition reimbursement pension, and work life balance.”

    8. Barclays

    Glassdoor

    Barclays is a multinational banking and financial services company. Headquartered in London, the company has offices around the world.

    Median total compensation: $120,000

    Median base salary: $107,000

    An employee said: ” Allows me to be effective, efficient, and flexible, and to deploy inventive, often outside-the-box ideas, strategies and solutions, in a sustainable, low overhead environment.”

    7. Bloomberg L.P.

    Glassdoor

    Bloomberg L.P. is a financial software, data, and media company headquartered in New York City.

    Median total compensation: $125,000

    Median base salary: $115,000

    An employee said: ” Good work/life balance, plenty of opportunity to travel or work abroad, great benefits and fair compensation for work required.”

    6. MasterCard

    Glassdoor

    MasterCard is a global payments company based in Purchase, New York.

    Median base salary: $110,000

    An employee said: ” Excellent benefits, very good salaries, fast paced stimulating work environment and business casual attire.”

    5. BlackRock

    BlackRock provides investment management, risk management, and advisory services and is based in New York City.

    Median total compensation: $125,250

    Median base salary: $97,000

    An employee said: ” Amazing firm — very challenging but you have a lot of responsibility as an analyst. Exposure to senior management is fantastic and the culture is unlike any financial services firm.”

    4. Dun & Bradstreet

    Glassdoor

    Dun Bradstreet is a provider of commercial data to businesses and is headquartered in Short Hills, New Jersey.

    Median total compensation: $130,000

    Median base salary: $95,500

    An employee said: ” Great pay. Very low stress. Good work environment. Work from home allowed and encouraged. Management really cares about employees and goes out of its way to make it a good work environment.”

    3. PayPal

    Glassdoor

    PayPal is a global digital payments company headquartered in San Jose, California.

    Median total compensation: $135,000

    Median base salary: $125,000

    An employee said: ” The executive team is really authentic and inspiring. They are very open to change and new ideas from anywhere in the business. People are generally helpful and working toward the same vision for the company. It’s a really inspiring place to be right now. You feel you are making a positive impact on the world and great opportunities for your career.”

    2. BNP Paribas

    Glassdoor

    BNP Paribas is a banking services company. Headquartered in Paris, the company has offices around the world.

    Median total compensation: $138,500

    Median base salary: $118,500

    An employee said: ” Benefits, 30+ days vacation, work life balance, competitive compensation, new business units and projects across the bank.”

    1. Visa

    Glassdoor

    Visa is a global payments company headquartered in Foster City, California.

    Median total compensation: $150,000

    Median base salary: $130,000

    An employee said: ” Fantastic brand. Leader in the payments space. Relatively good compensation and benefits. Good work life balance. Management that is trying to stay ahead of the game and proactively disrupt the market rather than wait for external players to do the same.”

    Share This Post





    Stock Market Reporting – Complete Guide To Corporate Finance #minority #small #business

    #stock market report

    #

    Stock Market Reporting

    One of the primary tools for reporting stock market activity is the ticker tape. You’ve seen them on business programs or financial news networks: a flashing series of baffling letters, arrows and numbers scrolling along the bottom of your TV screen. (For a short history of the letters, read The Evolution Of Ticker Symbols and Wall Street History: Windows 1.0 And Ticker- Tape Parades .)

    While many people simply block out the ticker tape. others use it to stay on top of market sentiment and track the activity of certain stocks. But what exactly is that cryptic script reeling by? It obviously tells us something about stocks and the markets, but how does one understand the ticker tape and use it to his or her advantage?

    Brief History
    Firstly, a tick is any movement, up or down, however small, in the price of a security. Hence, a ticker tape automatically records each transaction that occurs on the exchange floor, including trading volume. onto a narrow strip of paper, or tape.

    The first ticker tape was developed in 1867, following the advent of the telegraph machine, which allowed for information to be printed in easy-to-read scripts. During the late 19 th century, most brokers who traded at the New York Stock Exchange (NYSE) kept an office near it to ensure they were getting a steady supply of the tape and thus the most recent transaction figures of stocks. These latest quotes were delivered by messengers, or “pad shovers,” who ran a circuit between the trading floor and brokers’ offices. The shorter the distance between the trading floor and the brokerage, the more up-to-date the quotes were.

    Ticker-tape machines introduced in 1930 and 1964 were twice as fast as their predecessors, but they still had about a 15-20 minute delay between the time of a transaction and the time it was recorded. It wasn’t until 1996 that a real-time electronic ticker was launched. It is these up-to-the-minute transaction figures – namely price and volume – that we see today on TV news shows, financial wires and websites. And while the actual tape has been done away with, it has retained the name. (See How Has The Stock Market C hanged? to learn more about the evolution of trading.)

    Due to the nature of the markets, investors from all corners of the globe are trading a variety of stocks in different lots and blocks at any given time. Therefore what you see one minute on a ticker could change the next, particularly for those stocks with high trading volume, and it could be some time before you see your ticker symbol appear again with the latest trading activity.

    Reading the Ticker Tape
    Here’s an example of a quote shown on a typical ticker tape:

    Throughout the trading day, these quotes will continually scroll across the screen of financial channels or wires, showing current, or slightly delayed, data. In most cases the ticker will quote only stocks of one exchange, but it is common to see the numbers of two exchanges scrolling across the screen.

    You can tell where a stock trades by looking at the number of letters in the stock symbol. If the symbol has three letters, the stock likely trades on the NYSE or American Stock Exchange (AMEX). A four-letter symbol indicates the stock likely trades on the Nasdaq. Some Nasdaq stocks have five letters, which usually means the stock is foreign. This is designated by an ‘F’ or ‘Y’ at the end of the stock symbol. To learn more, see Why do some stock symbols have three letters while others have four?

    On many tickers, colors are also used to indicate how the stock is trading. Here is the color scheme most TV networks use:

    Green indicates the stock is trading higher than the previous day\’s close.
    Red indicates the stock is trading lower than the previous day\’s close.
    Blue or white means the stock is unchanged from the previous closing price.

    Before 2001, stocks were quoted as a fraction, but with the emergence of decimalization all stocks on the NYSE and Nasdaq trade as decimals. The advantage to investors and traders is that decimalization allows investors to enter orders to the penny (as opposed to fractions like 1/16).

    Which Quotes Get Priority?
    There are literally millions of trades executed on more than 10,000 different stocks each and every day. As you can imagine, it’s impossible to report every single trade on the ticker tape. Quotes are selected according to several factors, including the stocks’ volume, price change, how widely they are held and if there is significant news surrounding the companies.

    For example, a stock that trades 10 million shares a day will appear more times on the ticker tape than a small stock that trades 50,000 shares a day. Or if a smaller company not usually featured on the ticker has some ground-breaking news, it will likely be added to the ticker. The only times the quotes are shown in predetermined order are before the trading day starts and after it has finished. At those times, the ticker simply displays the last quote for all stocks in alphabetical order.

    Constantly watching a ticker tape is not the best way to stay informed about the markets, but many believe it can provide some insight. Tick indicators are used to easily identify those stocks whose last trade was either an uptick or a downtick. This is used as an indicator of market sentiment for determining the market’s trend.

    So next time you’re watching TV or surfing a website with a ticker, you’ll understand what all those numbers and symbols scrolling across your screen really mean. Just remember that it can be near impossible to see the exact price and volume at the precise moment it is being traded. Think of a ticker tape as providing you with a general picture of a stock’s “current” activity.

    Stock tables are another source of stock market reporting. Open any financial paper and you will see stock quotes that look something like the image below. In this section, we’ll explain how to make sense of these tables so that you can use the information to your advantage.

    Let’s take a look at the stock/quotes table:

    Columns 1 2: 52-Week High and Low. These are the highest and lowest prices at which a stock has traded over the past 52 weeks (one year). This typically does not include the previous day’s trading.

    Column 3: Company Name and Type of Stock. This column lists the name of the company. If there are no special symbols or letters following the name, it is common stoc k. Different symbols imply different classes of shares. For example, “pf” means the shares are preferred stock.

    Column 4: Ticker Symbol. This is the unique alphabetic name which identifies the stock. If you watch financial TV, the ticker tape will quote the latest prices alongside this symbol. If you are looking for stock quotes online, you always search for a company by the ticker symbol. If you don’t know a particular company’s ticker symbol, you can search for it at sites like Investopedia.

    Column 5: Dividend Per Share. This indicates the annual dividend payment per share. If this space is blank, the company does not currently pay out dividends.

    Column 6: Dividend Yield . This is the percentage return on the dividend. Dividend yield is calculated as annual dividends per share divided by price per share.

    Column 7: Price/Earnings Ratio (P/E ratio). This is calculated by dividing the current stock price by earnings per share from the last four quarters. (For more on how to interpret this, see Understand The P/E Ratio .)

    Column 8: Trading Volume . This figure shows the total number of shares traded for the day, listed in hundreds. To get the actual number traded, add two zeros to the end of the number listed.

    Column 9 10: Day High and Low. This indicates the price range in which the stock has traded throughout the day. In other words, these are the maximum and the minimum prices that people have paid for the stock.

    Column 11: Close. The close is the last trading price recorded when the market closed on the day. If the closing price is more than 5% above or below the previous day’s close, the entire listing for that stock is bold-faced. Keep in mind, you are not guaranteed to get this price if you buy the stock the next day because the price is constantly changing, even after the exchange is closed for the day. The close is merely an indicator of past performance and, except in extreme circumstances, it serves as a ballpark of what you should expect to pay.

    Column 12: Net Change.
    This is the dollar value change in the stock price from the previous day’s closing price. When you hear about a stock being “up for the day,” it means the net change was positive.

    Quotes on the Internet
    Nowadays, it’s far more convenient for most people to get stock quotes off the internet. This method is superior because most sites update throughout the day and give you more information, news, charting and research.





    How do I fund, or raise finance, for a franchise in the

    #franchise loans

    #

    Franchise Banks

    whichfranchise Finance

    For over 18 years, whichfranchise has been providing prospective franchisees in the UK with information and advice on funding a franchise. We have, and continue to work with some of the leading banks in franchising as well as other franchise finance specialists. In our dedicated section to franchise funding you can enquire about how much money you can borrow as well as how to approach a bank for finance, you can put any franchise finance related questions you have to one of the leading franchise specialist bankers in the UK, identify the true cost of buying a franchise and the importance of having a business plan and what should be included in it.

    Enquire about funding a franchise

    If you are interested in a franchise and wish to find out more about how much money you can borrow towards it, you can contact Lloyds Bank franchise division for further information and/or an informal chat. Click here to contact Lloyds Bank

    Funding a franchise advice

    Buying a franchise is a big step and, in a lot of cases, a big investment for most. It is vital that you check how much finance is available to you. Knowing this will also help with your decision as to which franchises are available within your budget. Read more about how to raise finance and funding options available to you

    Franchise business plan

    The business plan has two main purposes – obtaining finance from the bank and clarifying your aims and objectives. Here we look at the importance of the business plan and what should be included in it. Read more

    IN ASSOCIATION WITH

    Find out how much money you can borrow

    Ask the finance expert

    Richard Holden – Lloyds Bank

    Richard Holden is Head of Franchising for Lloyds Bank. He has 32 years banking experience and has supported a wide range of businesses in the small business sector for many years. He is responsible for providing support to the Lloyds Bank Business Managers, assisting them in assessing proposals from prospective franchisees. He is also responsible for ensuring that the network of local business managers has up-to-date information on the franchise systems operating within the UK.

    Cost of a franchise

    When looking at the cost of a franchise it can sometimes be confusing with talk of franchisee fees, deposits, average cost etc. In this section we look at how to identify the total costs of a franchise including explaining the difference between franchise fee, deposits, working capital, as well as how to verify a franchisor’s projections.

    • Real cost of investing in a franchise
    • Franchise deposits
    • Franchise fees
    • Evaluating financial aspects of a franchise
    • How to verify a franchisor’s projections

    How to approach a bank for finance

    When it comes to financing a business start-up, banks are favorable to franchising. The regard lending to prospective franchisees looking at well-structured ethical franchise systems a safer option than someone starting from scratch on their own.





    Better business finance – business finance support: Home #sba #loan #programs

    #business finance

    #

    Are you a Creative
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    Need help writing
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    The appeals process is monitored and scrutinised by an Independent External Reviewer Professor Russel Griggs OBE, and his team of auditors. He produces quarterly and annual report on its effectiveness as well as areas for improvement

    Independent appeals

    If your application for business finance is turned down, you can launch an appeal to have the decision reviewed. You can also appeal if you are unhappy with the conditions attached to a lending facility agreed with your bank.

    Santander Case Study – Isabella Oliver

    Online retail business Isabella Oliver is a global leader for stylish maternity fashion, selling to over 150 countries worldwide.
    Read the case study

    Help for your business

    Business Account Finder Overview

    If you’re a business, club, society or charitable organisation, the Business Account Finder helps you to find up-to date information on the UK banking market. Read more

    Find a business mentor with mentorsme.co.uk

    mentorsme.co.uk helps small and medium-sized businesses quickly and easily find a mentoring organisation that matches their requirements. Read more





    Captive Finance Company Definition #sba #loan

    #finance companies

    #

    Captive Finance Company

    What is a ‘Captive Finance Company’

    A captive finance company is a subsidiary whose purpose is to provide financing to customers buying the parent company’s product. Captive finance companies can range in size from mid-sized entities to giant firms, depending on the size of the parent company. Their range of services can also vary widely, from basic card services to full-scale banking. A captive finance company can be a source of significant profits for the parent organization.

    BREAKING DOWN ‘Captive Finance Company’

    A captive finance company is usually wholly owned by the parent organization. The best-known examples of such companies are the giant subsidiaries of the “Big Three” automakers, and the store card operations of large retailers such as Wal-Mart, Target and Sears.

    Due to the size and scale of their operations, the captive finance companies of the Big Three car manufacturers: General Motors Acceptance Corporation (GMAC), Chrysler Financial and Ford Motor Credit Company – are arguably almost as well-known as their parent companies. Note that subsequent to the bankruptcy of General Motors in 2009, GMAC underwent a name change to Ally Bank and rebranded as Ally Financial in 2010.





    How do I fund, or raise finance, for a franchise in the

    #franchise loans

    #

    Franchise Banks

    whichfranchise Finance

    For over 18 years, whichfranchise has been providing prospective franchisees in the UK with information and advice on funding a franchise. We have, and continue to work with some of the leading banks in franchising as well as other franchise finance specialists. In our dedicated section to franchise funding you can enquire about how much money you can borrow as well as how to approach a bank for finance, you can put any franchise finance related questions you have to one of the leading franchise specialist bankers in the UK, identify the true cost of buying a franchise and the importance of having a business plan and what should be included in it.

    Enquire about funding a franchise

    If you are interested in a franchise and wish to find out more about how much money you can borrow towards it, you can contact Lloyds Bank franchise division for further information and/or an informal chat. Click here to contact Lloyds Bank

    Funding a franchise advice

    Buying a franchise is a big step and, in a lot of cases, a big investment for most. It is vital that you check how much finance is available to you. Knowing this will also help with your decision as to which franchises are available within your budget. Read more about how to raise finance and funding options available to you

    Franchise business plan

    The business plan has two main purposes – obtaining finance from the bank and clarifying your aims and objectives. Here we look at the importance of the business plan and what should be included in it. Read more

    IN ASSOCIATION WITH

    Find out how much money you can borrow

    Ask the finance expert

    Richard Holden – Lloyds Bank

    Richard Holden is Head of Franchising for Lloyds Bank. He has 32 years banking experience and has supported a wide range of businesses in the small business sector for many years. He is responsible for providing support to the Lloyds Bank Business Managers, assisting them in assessing proposals from prospective franchisees. He is also responsible for ensuring that the network of local business managers has up-to-date information on the franchise systems operating within the UK.

    Cost of a franchise

    When looking at the cost of a franchise it can sometimes be confusing with talk of franchisee fees, deposits, average cost etc. In this section we look at how to identify the total costs of a franchise including explaining the difference between franchise fee, deposits, working capital, as well as how to verify a franchisor’s projections.

    • Real cost of investing in a franchise
    • Franchise deposits
    • Franchise fees
    • Evaluating financial aspects of a franchise
    • How to verify a franchisor’s projections

    How to approach a bank for finance

    When it comes to financing a business start-up, banks are favorable to franchising. The regard lending to prospective franchisees looking at well-structured ethical franchise systems a safer option than someone starting from scratch on their own.





    10 Ways to Finance a New Business #business #lawyers

    #how to finance a business

    #

    10 Ways to Finance a New Business

    When you were eight years old, you launched a highly profitable lemonade stand in your front yard. With nothing but a packet of instant drink mix, a crudely drawn sign and a winning smile, you grossed a whopping $2.35 in just an hour and 15 minutes. If only all new businesses were that easy.

    According to the Global Entrepreneurship Monitor, a research group, the average cost of starting a new business in the United States in 2005 was $70,000 [source: Consumer Reports]. In a 2004 survey of failed businesses, 79 percent of respondents said that starting out with too little money was a major cause of their collapse [source: Sugars ].

    But how do you finance a new business? When you were eight, you could borrow the drink mix from mom. But now that you’re grown up, will she let you borrow her life savings?

    Luckily, you’re not the first entrepreneur to start with nothing but a good idea. Keep reading to learn about 10 effective and creative ways to raise start-up capital for your new business.

    Print |
    a data-track-gtm Byline href about-author.htm roos Dave Roos a 10 Ways to Finance a New Business 5 May 2009. br HowStuffWorks.com. lt http money.howstuffworks.com 10-ways-to-finance-new-business.htm gt 3 September 2016″ href=”#”>Citation Date





    HOW TO: Establish Business Credit #lists, #startup, #finance, #channels, #business, #credit, #loan,


    #

    Mashable

    HOW TO: Establish Business Credit

    Nellie Akalp is CEO of CorpNet.com. Since forming more than 100,000 corporations and LLCs across the U.S, she has built a strong passion to assist small business owners and entrepreneurs in starting and protecting their business the right way. LIKE the CorpNet.com Facebook page for exclusive discounts and giveaways! To learn more about Nellie and see how she can help your business get off the ground quickly and affordably, please visit here.

    For the small business owner, trying to navigate the credit and lending world can feel like a vicious Catch-22. Most commercial banks and traditional lenders are reluctant to loosen their purse strings until you’ve proven yourself with a strong credit history. But it’s difficult to develop that good record when no one will lend to you in the first place.

    Many small business owners rely on the strength of their personal credit to fund their businesses. But when you use personal credit, your mortgage, auto loan and personal credit cards all affect your ability to qualify for a business loan. Using business credit separates your personal activities from that of the business. Your business credit is dependent on your company’s payment history, assets, cash flow and other financials. It doesn’t include your personal debts or other personal financial obligations.

    A strong credit history is the foundation for success, as it can lower your interest rates and give you access to more capital when needed. To start building your business credit, here are the initial steps you should take.

    1. Set Up a Business Entity

    There’s no such thing as a business loan or business credit for a sole proprietor — that’s a personal loan. In order to receive a business loan or investment, you must separate the business from its personal owners by setting up a legal business entity — a corporation or LLC, for example. Your CPA can advise you on the best legal structure for your particular situation, as your choice in entity can have some pretty significant tax implications.

    2. Get a Tax ID Number (EIN)

    Every business must have a tax ID number, just like each individual has a social security number. The Tax ID number (or EIN) is a nine-digit number assigned by the IRS to business entities operating in the U.S. You’ll use this number to open your business bank account and build your business credit profile. Apply for your business’ EIN online through the IRS site — and don’t worry, the process is fast and simple.

    3. Establish a Business Bank Account

    Your business needs at least one bank reference. Ideally, if you need to apply for a loan, your bank account will be at least two years old (of course, there’s not much you can do to change this situation other than apply for a business bank account as early as possible). More important than your account’s lifespan, your business bank account should show a cash flow capable of taking on a business debt. Of course, the optimum average daily balance of your account will depend on your type of business and the amount of financing you’ll be seeking.

    4. Get Listed with the Business Credit Bureaus

    Dun Bradstreet is one of the main business credit bureaus and runs its own business credit score. D B gives businesses a separate credit file number (known as a D B or DUNS number) that rates your credit profile. Go to their site to find out if your business is already listed and has a score. You can also begin the process by applying for a free DUNS number once you’ve established your business entity and have your EIN. The number is how lenders will determine your business’ credit worthiness (most business credit card and lending companies will ask for your D B number during the application process).

    5. Establish Business Credit History

    Check if your trade vendors are reporting your payment history to one of the major reporting companies, like D B. Just like with your personal credit score, the more vendors that report a good payment history, the better your business credit will be. It’s common that small trade vendors won’t report your payment history to D B. In this case, you should compile a trade reference sheet with at least three references (include their name, contact information and credit limits) to augment your official business credit report. In addition, you should open a business credit card (in the name of the business) and use it wisely — meaning keep your balance low and always pay on time.

    6. Maintain a Good Personal Credit Rating

    When you’re a relatively new or small company, creditors are going to be looking at the personal credit of the person who owns the business (or any shareholders with more than 20% ownership of the company). In today’s lending environment, you should expect to be asked to sign a personal guarantee on any kind of loan or credit of the business. This isn’t always mandatory, but it has recently become common practice in the lending industry. As a result, anyone with a 20% or higher share in the company should keep a close eye on his own credit rating.

    The most important thing to remember is that you can’t build business credit overnight. Business owners should think about their business credit from day one. Even if you’re self-funded now, you never know what challenges or growth opportunities will develop down the road. Having access to credit can only help you adapt to changing conditions and position yourself for success.


    Credit Freeze Guide: The best way to protect yourself against identity theft


    #

    Credit Freeze Guide: The best way to protect yourself against identity theft

    Image Credit: Dreamstime

    Team Clark is adamant that we will never write content influenced by or paid for by an advertiser. To support our work, we do make money from some links to companies and deals on our site. Learn more about our guarantee here.

    Credit freezes are one of the most effective ways for consumers to protect themselves against identity theft.

    What exactly is a credit freeze?

    A credit freeze allows you to seal your credit reports and use a personal identification number (PIN) that only you know and can use to temporarily thaw your credit when legitimate applications for credit and services need to be processed. The added layer of security means that thieves can t establish new credit in your name even if they are able to obtain your personal information.

    Freezing your credit files has no impact whatsoever on your existing lines of credit, such as credit cards. You can continue to use them as you regularly would even when your credit is frozen.

    Freezes have been available for free to victims of identity theft for some years, but recently all three of the major credit bureaus adopted new rules that now allow non-victims to have access to credit freezes as well for a small fee. In addition, most states and Puerto Rico have adopted laws establishing credit freezes for residents of their state.

    Residents of various states may also freeze the credit reports of their minor children. Visit the National Conference of State Legislatures to see what the law is in your state.

    The cost ranges from about $3 to $10 per person per bureau to freeze a credit report; a couple of states have higher fees.

    *When you do a credit freeze, it is imperative that you freeze your credit with all three bureaus.*

    The cost to thaw your reports for one creditor — or for a specific period of time — ranges from free to $10.

    Four states remove your credit freeze automatically after seven years. These states are Kentucky, Nebraska, Pennsylvania and South Dakota.

    In most states, your credit freeze remains permanently on your files until you request removal. But not so in the states listed above, according to the Consumers Union’s guide to security freeze protection .

    If you re a resident of one of these states, pay close attention. You ll need to set some kind of calendar reminder for seven years from the date of placement. That will serve as a reminder to refresh your credit freeze status before it drops off your radar completely and you go months or years without this key protection against identity theft!

    When shouldn t you freeze your credit?

    If your credit reports are accessed often for work or because you create new accounts with various financial institutions on a regular basis, it is not recommended that you freeze your accounts. The costs to regularly thaw your reports would tend to be excessive.

    Below you ll find directions and links to assist you in obtaining your credit freeze or thaw from each major bureau:

    • Credit freezes may be done online or by certified mail return receipt requested.
    • Check your state s listing for the exact cost of your credit freeze and to see if there is a reduction in cost if you are a senior citizen.
    • Request your credit freeze by certified mail using this sample letter. Please note the attachments you must include.
  • If your PIN is late arriving, call 1-888-298-0045. They will ask you for some ID and arrange for your PIN to be sent to you in 4-7 days.
  • Unfreeze. Do a temporary thaw of your Equifax credit freeze by snail mail. online or by calling 1-800-685-1111 (N.Y. residents dial 1-800-349-9960).
  • Info on freezing a child s credit with Equifax can be found here .
  • If requesting a freeze by mail, use the following address:
    • Equifax Security Freeze
      P.O. Box 105788
      Atlanta, GA. 30348
    • Credit freezes may be done online ; by certified mail return receipt requested; or by calling 1-888-EXPERIAN (1-888-397-3742). When calling, press 2 then follow prompts for security freeze.
    • Check your state s listing for the exact cost of your credit freeze and to see if there is a reduction in cost if you are a senior citizen.
    • Request your credit freeze by certified mail using this sample letter. Please note the attachments you must include.
    • You can also freeze a child s credit report. The information contained at this link is applicable for all three credit bureaus. You must first write a letter to each bureau to learn if your minor child has a credit report and if so, then you can proceed to freeze it.
    • Unfreeze. Do a temporary thaw of your Experian credit freeze online or by calling 1-888-397-3742.
    • Info on freezing a child s credit with Experian can be found here .
    • If requesting a freeze by mail, use the following address:
      • Experian
        P.O. Box 9554
        Allen, TX. 75013
    • Credit freezes may be done online. by phone (1-888-909-8872) or by certified mail return receipt requested. (Some users have reported difficulty with the online method. Please try one of the other options if you too experience difficulty.)
    • Check your state s listing for the exact cost of your credit freeze and to see if there is a reduction in cost if you are a senior citizen.
    • Request your credit freeze by certified mail using this sample letter. Please note the attachments you must include.
    • Unfreeze. Do a temporary thaw of your TransUnion credit freeze online or by calling 1-888-909-8872.
    • Info on freezing a child s credit with TransUnion can be found here .
    • If requesting a freeze by mail, use the following address:
      • TransUnion Protected Consumer Freeze
        P.O. Box 380
        Woodlyn, PA. 19094

    *YOU CAN ALSO FREEZE YOUR CHEXSYSTEM REPORT*

    Visit ChexSystems.com and to submit your request online.

    Special thanks to our listeners Carrie and Ed for their input into this guide.

    A new option for free credit monitoring

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    Financial Advisors #financial #network #of #america, #fna #wealth #management, #personal #finance, #financial


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    Things we’re really knowledgeable about .

    Our advisors at FNA Wealth Management are prepared to work with you in building your strong investment foundation. From setting goals and creating a budget, to choosing retirement options and helping to grow your wealth, our advisors’ priority is getting to know you, your circumstances and your goals. We’ll be there when you need us, for every step of your growth, guiding the decisions that begin and end with you.

    We should note that our FNA X-Press Deferred Comp team are very knowledgable at what they do! Learn more -›

    Planning .

    The foundation for investing starts with effective financial planning. Our advisors begin by gathering information—from establishing a budget and gathering financial records, to knowing your net worth.

    The more insight our advisors have into who you are, the more successful they will be in helping you reach your goals. As always, an honest evaluation is essential to identifying financial tools that will benefit you the most. At FNA, honesty is in all we do.

    Managing .

    It may surprise you to know that, according to records, 75% of all estates do not have the necessary cash. Our advisors can help you to avoid negative statistics by developing a plan to help protect and preserve your assets.

    Working with FNA to create an estate management strategy now allows you to help maximize value and control in the future. And really, who better to make vital decisions about your wealth and resources than you?

    Growing .

    When planning for retirement, it is prudent to investigate all options at your disposal. Some may involve you alone, others may also draw from your employer. Annuities, 401(k)s, IRAs—these can be deep waters.

    Whatever the case, as an advancing investor, you will likely seek help from an expert. The advisors at FNA are ready to help. From accumulation to distribution, they ll be there to help you grow your assets and secure your wealth.

    • The four most dangerous words in investing are: ‘this time it’s different’. Sir John Templeton
    • Budget: a mathematical confirmation of your suspicions. A.A. Latimer
    • I put a dollar in one of those change machines. Nothing changed. George Carlin
    • Bills travel through the mail at twice the speed of checks. Steven Wright
    • Money is better than poverty, if only for financial reasons. Woody Allen
    • Every day I get up and look through the Forbes list of the richest people in America. If I’m not there, I go to work. Robert Orben
    • Business is the art of extracting money from another man’s pocket without resorting to violence. Max Amsterdam

    Some friendly people you should know .

    You spend your life working hard. It’s our job to help you protect your success. Check out our advisor profiles and find out just how much we can help. Any and all questions are welcome. Together, we can design your future.

    Joe Randazzo, JD * CFP ® .

    Armed with a powerful arsenal of experience and formal education, Joe helps clients to invest intelligently. Drawing on his legal training and experience in taxes and estates, along with his certification in financial planning, he can approach every client scenario from a holistic perspective. Building up trust, breaking down worry, building wealth always keeping it friendly. More -›

    * Legal and tax services are not offered through, or supervised by Lincoln Investment or Capital Analysts.

    Sal Catalano .

    Anchored by a premium base of insight and skill, from financial planning to estate and retirement management, Sal is the real deal. Decades of experience and genuine concern inform his outlook. Whether aiding public employees, business owners or neighbors, he wears his knowledge on his sleeve. Education is his focus, deepening his clients’ insight is his goal. More -›

    Suzanne W Lipps .

    With nearly 3 decades’ experience, Suzanne is a retirement planning professional. Specializing in deferred compensation, working extensively with public employees. Her goals revolve around her clients, enjoying making people feel confident in their future. And taking a personal, detailed approach, Suzanne builds lasting relationships with client goals clearly in focus.

    William Matejka, AAMS ® .

    Craftsman and teacher at his core, Bill is centered on building client knowledge, and helping form and secure their vision. His method is adaptable and comprehensive, tapping into 20+ years’ experience in economics, financial planning, and asset management. Simply put: Bill is an earnest, loyal advisor and a talented professional who is personal from the heart, trustworthy to the core.

    Jonathan Mistofsky .

    Previously based in NYC and acting as VP of a sizeable alternative investments firm, Jonathan’s range of expertise is broad. Wealth and pension fund management, investment consulting, family offices, insurance companies, and a deep understanding of fixed income asset management. Add to this his genuine family values and a sincere desire to help, and you have some serious bona fides.

    • The four most dangerous words in investing are: ‘this time it’s different’. Sir John Templeton
    • Budget: a mathematical confirmation of your suspicions. A.A. Latimer
    • I put a dollar in one of those change machines. Nothing changed. George Carlin
    • Bills travel through the mail at twice the speed of checks. Steven Wright
    • Money is better than poverty, if only for financial reasons. Woody Allen
    • Every day I get up and look through the Forbes list of the richest people in America. If I’m not there, I go to work. Robert Orben
    • Business is the art of extracting money from another man’s pocket without resorting to violence. Max Amsterdam

    Headlines .

    Contact Us .


    Google Finance – Get company stock quotes streaming live #finance, #reference, #research,


    #

    Google Finance

    What it’s good for

    • Information on personal finance from Google
    • Google Finance offers a broad range of information about stocks, mutual funds, public and private companies, interactive charts, news and fundamental data
    • Excellent site for financial information
    • Google s tool for searching financial information
    • Real Time quotes and market overview
    • Google Finance offers financial data and news for most publicly-traded companies
    • Excellent interactive charts for any stock, mutual fund or currency for right now or any date in the past (historical data) with annotations for dates of big news events
    • Get live streaming statistics from wall street
    • Search stocks and get real time stock quotes
    • Perform stock research to evaluate a stock or mutual fund before investing and get quick price charts for analysis
    • Business information, news, and interactive charts. Get market summary, market news, stock quotes, and videos related to the economy and market news. Find real-time, last sale prices from the New York Stock Exchange (NYSE) for free, along with those from NASDAQ. Wondering what Ford (F) is trading at today? Search for it on Google or Google Finance and keep the page up to have the quotes stream live. Access to real-time financial information has traditionally been limited to investors with brokerage accounts and other users via subscription fees. This free access was made available on Google Finance beginning in June 2008. Other features available on Google Finance includes the ability to create a personal, customized portfolio overview of stock values that you want to monitor

    Google Finance

    Popularity

    2017 iTools


    Phd behavioral finance #phd #behavioral #finance


    #

    Welcome to Tinbergen Institute

    Tinbergen Institute is one of Europe’s leading graduate schools and research institutes in economics, econometrics and finance. TI is operated jointly by the Schools of Economics of the Erasmus University Rotterdam (EUR), University of Amsterdam (UvA) and Vrije Universiteit Amsterdam (VU) in the Netherlands.
    Tinbergen Institute offers a research master program in economics, econometrics and finance as well as PhD opportunities under expert supervision by our international research fellows.

    Welcome to Tinbergen Institute

    Tinbergen Institute is one of Europe’s leading graduate schools and research institutes in economics, econometrics and finance. TI is operated jointly by the Schools of Economics of the Erasmus University Rotterdam (EUR), University of Amsterdam (UvA) and Vrije Universiteit Amsterdam (VU) in the Netherlands.
    Tinbergen Institute offers a research master program in economics, econometrics and finance as well as PhD opportunities under expert supervision by our international research fellows.

    Fellow search

    Article by Stephan Jagau and Matthijs van Veelen in Nature Human Behavior

    Congratulations to PhD student Stephan Jagau (University of Amsterdam) and fellow Matthijs van Veelen (University of Amsterdam) whose article ‘A general evolutionary framework for the role

    PhD student Wenqian Huang wins young economists competition at ECB Forum

    Congratulations to PhD student Wenqian Huang who won the young economists’ competition at the ECB Forum on Central Banking in Sintra, Portugal. The ECB Forum

    Publication by Albert Menkveld and alumnus Bart Zhou Yueshen in Journal of Financial Economics

    Congratulations to fellow Albert J. Menkveld and TI alumnus Bart Zhou Yueshen (with Haoxiang Zhu) whose article ‘Shades of Darkness: A Pecking Order of Trading

    Fellow Olivier Marie appointed Endowed Professor Labour Economics

    As of 1 August 2017, fellow Olivier Marie has been appointed Endowed Professor of Labour Economics at Erasmus School of Economics through the Erasmus Trustfonds.

    PhD student Huyen Nguyen wins the Accessit Best Paper award

    PhD student Huyen Nguyen (Erasmus University Rotterdam) won the Accessit Best Paper award at the ‘spring school’ of the Institutional and Organizational Economics Academy (IOEA,

    MPhil thesis defenses

    New Discussion Paper

    17-076/V – ‘The Impact of Road Development on Household Welfare in Rural Papua New Guinea’, Martin Wiegand, VU Amsterdam; Eric Koomen, VU Amsterdam; Menno (M.) Pradhan, VU Amsterdam; University of Amsterdam, the Netherlands; Tinbergen Institute, The Netherlands; Christopher Edmonds, Tokyo International University

    Other Recent Discussion Papers

    17-075/VI – ‘Brexit and The Impact of Gradual Economic Integration on Export’, Rutger Teulings, University of Amsterdam, The Netherlands

    Latest Key Publications

    S.J. Koopman. G. Mesters

    The Review of Economics and Statistics, Volume 99 (3), July 2017, Pages 486-498

    Albert J. Menkveld. Bart Zhou Yueshen

    Journal of Financial Economics, Vol 124. (3), June 2017, Pages 503-534

    Kris Boudt. Sébastien Laurent. Asger Lunde. Rogier Quaedvlieg. Orimar Sauri

    Journal of Econometrics, Volume 196, 2017, Pages 347-367

    Gryglewicz. S. J.-P. Décamps. E. Morellec. & S. Villeneuve

    The Review of Financial Studies, January 2017, 30(1), 162-210

    Busch. P. & S. Obernberger

    The Review of Financial Studies, 2017, 30 (1), 324-362


    HR and Payroll Software #opera #3,opera #ii,opera,gold,capital,unity,accounting #software,accounts #software,business #software,accounting,accounts,business,pegasus,uk,ireland,small #businesses,finance,financial,modular,integrated,32bit,32-bit,sme,smes,payroll,human #resources,hr,personnel,general,nominal,management


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    Opera 3 Payroll & HR

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    Employee Records

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    • Comprehensive, context senstive help

    Extended Information Sources

    • Export information to Microsoft products such as Word and Excel
    • Send reports via e-mail
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    • Regularly notify staff of remaining holiday entitlement automatically by e-mail
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    RT – News – Business, Finance, Economy, Markets, Stocks Shares #business

    #business news

    #

    02 Sep Exchequer returns for August show a significant fall in revenues collected during the month.

    02 Sep US employment growth slowed more than expected in August after two straight months of robust gains and wage gains moderated.

    02 Sep Tech giant Samsung has said it is suspending sales of its latest flagship smartphone Galaxy Note 7, as reports of exploding batteries threaten to damage the reputation of the South Korean electronics giant.

    02 Sep Telecoms firm Eir has recorded its first year of annual revenue growth since 2008.

    02 Sep Minister for Finance Michael Noonan has claimed that the EU Commission’s ruling over Apple’s tax operations in Ireland was an “attack on our corporate tax regime”.

    02 Sep Heavy machinery maker Caterpillar has said it could lay off about 2,000 employees at a plant in Belgium, as it considers shifting production to other facilities as part of a restructuring programme announced last year.

    02 Sep Irish Residential Properties REIT, or I-RES, is seeking planning permission for 492 apartments as well as retail space in Sandyford in Dublin.

    02 Sep Peer-to-peer lending platform Linked Finance says 21 SMEs raised €600,000 in funding during the first two weeks of its new fixed rate loan offering.

    02 Sep Activity in the services sector rose by 0.5% between June and July, with wholesale and retail trade seeing a 6.1% surge during the month.

    02 Sep Currency movements have hit Fyffes’ banana business, according to the company’s first half results.

    02 Sep Crude prices have risen today after losses of more than 3% yesterday, with investors treading cautiously ahead of key US employment data.

    02 Sep RTÉ’s Europe Editor Tony Connelly looks at the Apple ruling and the possible impact of a similar case involving Spanish bank Santander.

    02 Sep The Irish Times reports telecom firms have hit out at Eir for raising wholesale broadband prices for the second time in 14 months.

    02 Sep Telecoms firm Eir has recorded its first year of annual revenue growth since 2008.

    01 Sep Up to 250 jobs could go at US multinational Caterpillar’s plants in Northern Ireland, a spokesman has said.

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    Grafton Chief Executive Gavin Slark discusses the builders’ merchant and DIY retailer’s double-digit growth in percentage terms in revenue and profit in H1

    Bord Gáís Energy Managing Director Dave Kirwan said the firm is reducing its residential electricity prices by 5% and its residential gas prices by 2%

    Just Eat Managing Director for Ireland Amanda Roche Kelly discusses the brand’s presence at the upcoming Electric Picnic festival





    Business grants, loans and finance – Warwickshire County Council #new #small #business

    #business funding

    #

    Business grants, loans and finance

    Warwickshire County Council Growth Fund

    Small Grants
    The budget for Small Capital Grants 2015/16 has now been fully allocated. Further opportunities will be available in 2016/2017.

    Growth Fund Loans
    Coventry and Warwickshire Re-Investment Trust are delivering the small loans to business programme. Loans of between £1000 to £50,000 are available. Please contact CWRT to learn more and apply for a loan.

    Coventry and Warwickshire Local Enterprise Partnership Funding

    The Coventry and Warwickshire Local Enterprise Partnership offers a comprehensive package of grants and loans to businesses. The CWLEP and WCC are also able to help you access other regional or national programmes.

    Local businesses with investment proposals are invited to complete an expression of interest form. The CWLEP and its partners will then work with you to identify the best fit. This could be one of the CWLEP’s funds or it might be a programme delivered regionally or nationally. Regardless, you will be guided through the process and, if your proposal is suitable, you will be helped to complete an application form.

    For more information about the process, see the CWLEP web site. Alternatively, contact the Economy skills Team for more information or advice.

    CWLEP Funding Programmes

    Warwickshire Rural Growth NetworkThis programme is now closed

    Warwickshire is one of just five Rural Growth Network (RGN ) pilots in the country. We offer a flexible package of advice and support to rural businesses in any sector and people looking to start their own business. For more information, about what the programme achieved see the RGN web site .

    Coventry and Warwickshire Business Support Programme

    The Coventry and Warwickshire Business Support Programme offers two types of capital grants:

    • Small Capital – From £1,000 up to £10,000 for new start-up businesses or for small and medium sized businesses looking to grow.
    • Large Capital Access to Finance Up to £50,000 for small and medium sized businesses operating in one of the CW-LEP priority sectors.

    Grants are available at different intervention rates (up to 10%, 20% or 30%) depending on the size and location of the business. Grants can help with investments in buildings/ premises and machinery or equipment.

    The Coventry and Warwickshire Business Growth Package is funded by the European Regional Development Fund, Coventry City Council, and Warwickshire County Council.

    North Warwickshire, Hinkley Bosworth LEADER Programme

    England s Rural Heart

    The LEADER Programme can allocate money to local businesses, groups or organisations to help them carry out projects which create jobs, help businesses to grow and which benefit the rural economy in North Warwickshire, Hinkley Bosworth.

    For more information please visit the North Warwickshire website

    Business grants, loans and finance was last updated on August 2, 2016.

    Contact details





    Better business finance – business finance support: Home #naming #a #business

    #business finance

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    Independent appeals

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    The most powerful finance companies in America #business #plans

    #finance companies

    #

    The 9 most powerful finance companies in America

    To determine the power of each company, we factored together 2014 revenue, number of employees, press mentions, and social media influence. You can read our full methodology here.

    Now we’re looking at the most powerful finance companies from our list.

    Berkshire Hathaway is the most powerful finance company in America — it ranked at No. 20 on the list, followed by Wells Fargo (No. 25) and American Express (No. 28).

    Scroll through to see the 9 most powerful finance companies in America.

    View As: One Page Slides

    9. Prudential

    Number of employees: 48,000

    More than just providing life insurance, Newark, New Jersey-based Prudential helps clients save for retirement and manage their money at every stage of life. Fortune predicts that good things are ahead for the insurance company, noting that ” the aging of the wealthy world will increase demand for insurance products .”

    Despite its 63,000 Twitter followers and 338,706 likes on Facebook, no Klout score is available for Prudential.

    8. JPMorgan Chase

    Number of employees: 240,000

    The nation’s largest bank announced that it will close 300 bank branches by 2017 as more customers rely on mobile and online banking. The closures are part of a $1.4 billion cost-cutting plan put in place earlier this year by the Midtown Manhattan-based finance giant.

    With the lowest social media influence among the Big Four banks, JPMorgan Chase has a Klout score of 68 out of 100, although the bank does command over 171,000 followers on Twitter.

    7. Goldman Sachs

    2014 revenue: $34.53 billion

    Number of employees: 34,000

    On Wall Street, few names inspire as much respect as Goldman Sachs. And the investment banking firm is on the rise — it grew profits 5% last year and recently garnered attention for backing Symphony, a secure internal chat system that has been called a “Bloomberg killer.”

    Goldman also proves its social media influence with over 400,000 followers on Twitter and more than 30,000 likes on Facebook, earning the New York-based bank a Klout score of 89.

    6. Morgan Stanley

    Number of employees: 55,795

    Morgan Stanley’s strong investment relationships with tech companies has given it a foothold in Silicon Valley. In fact, the Manhattan-based bank has worked with Netflix since 2011.

    Morgan Stanley “helped write the financial script” for the streaming service, offering notes totaling nearly $2 billion between 2014 and 2015.

    When it comes to social media influence, Morgan Stanley lands in the middle of the road with a Klout score of 87.

    5. Bank of America

    Number of employees: 220,000

    One of America’s Big Four banks, Charlotte, North Carolina-based Bank of America has carved out its place not only in commercial banking, but in wealth management.

    In 2008, Bank of America merged with Merrill Lynch, forming the world’s largest wealth-management company by assets. Bank of America launched its Preferred Rewards program in 2014 in an aim to improve customer satisfaction.

    The bank has a Klout score of 90, higher than any of its competitors.

    4. Citigroup

    2014 revenue: $76.9 billion

    Number of employees: 237,000

    Citigroup, best known for its consumer banking services, continues to grow its physical and digital presences.

    In fact, the New York City-based bank reported a 50% increase in mobile users last year, and reaches worldwide with banks across the globe in North America, Asia, Latin America, the Middle East, and Africa.

    Citigroup’s not quite as prominent on social media as some of our other companies, but it still holds strong with a 79 on Klout.

    3. American Express

    2014 revenue: $34.3 billion

    Number of employees: 53,500

    Between slowing sales and the expiration of its exclusive deal with Costco. it was a tough year for American Express. But the credit-card company still remains profitable, proving that powerful companies can take a hit and still bounce back.

    On the social media front, New York City-based Amex still commands a strong presence with over 5 million Facebook fans, 841,000 Twitter followers, and a Klout score of 89.

    2. Wells Fargo

    Number of employees: 265,800

    The largest bank in America by market capitalization was also named the most valuable bank brand in the world three years in a row by Brand Finance.

    Wells Fargo, unlike its competitors, has focused on traditional lending rather than investments, which has led to more rising profits since the financial crisis. Big investors have taken notice of the San Francisco-based bank — as of May 2015, Warren Buffett’s Berkshire Hathaway owned 470 million shares of Wells Fargo.

    It’s also somewhat influential online with a Klout score of 88, commanding 172,000 Twitter followers and over 800,000 Facebook likes.

    1. Berkshire Hathaway

    2014 revenue: $194 billion

    Number of employees: 316,000

    Berkshire Hathaway, a holding company in Omaha, Nebraska, helmed by the distinguished Warren Buffett, not only rakes in billions in revenue, but owns several other prominent companies. including Geico, Heinz, and Helzberg Diamonds. Buffett himself is also the world’s third richest man, commanding a personal fortune over $70 billion.

    Though Berkshire Hathaway doesn’t have an official Klout score, Buffett himself commands an 86 from the platform, despite only tweeting seven times so far.





    Highest-paying finance companies in America #business #ideas #for #women

    #finance companies

    #

    The 10 highest-paying finance companies in America

    Some industries are known for paying employees better than others.

    Finance is one of them.

    To find which banks and financial services companies are most generous when it comes to compensation, Glassdoor sifted through thousands of salary reports and compared the total median c ompensation (base pay, plus any commissions, tips, bonuses, etc.) for each finance company, as reported by employees over the past year.

    For the purposes of this report, a “finance company” is defined as one in which part of the company’s core products or services provide financial services and support, borrowing and lending, and/or payments.

    Here are the 10 companies in finance with the highest median total compensation package as reported to Glassdoor:

    View As: One Page Slides

    10. Macquarie Group

    Glassdoor

    Macquarie Group is a global financial services provider. Headquartered in Sydney, Australia, the company has offices around the world.

    Median total compensation: $120,000

    Median base salary: $105,000

    An employee said: “Very competitive pay, good health benefits package, flexible work schedule, diverse and supportive work environment.”

    9. CME Group

    Glassdoor

    CME Group is a global derivatives marketplace headquartered in Chicago, Illinois.

    Median total compensation: $120,000

    Median base salary: $110,000

    An employee said: ” Standard industry benefits, above industry pay, tuition reimbursement pension, and work life balance.”

    8. Barclays

    Glassdoor

    Barclays is a multinational banking and financial services company. Headquartered in London, the company has offices around the world.

    Median total compensation: $120,000

    Median base salary: $107,000

    An employee said: ” Allows me to be effective, efficient, and flexible, and to deploy inventive, often outside-the-box ideas, strategies and solutions, in a sustainable, low overhead environment.”

    7. Bloomberg L.P.

    Glassdoor

    Bloomberg L.P. is a financial software, data, and media company headquartered in New York City.

    Median total compensation: $125,000

    Median base salary: $115,000

    An employee said: ” Good work/life balance, plenty of opportunity to travel or work abroad, great benefits and fair compensation for work required.”

    6. MasterCard

    Glassdoor

    MasterCard is a global payments company based in Purchase, New York.

    Median base salary: $110,000

    An employee said: ” Excellent benefits, very good salaries, fast paced stimulating work environment and business casual attire.”

    5. BlackRock

    BlackRock provides investment management, risk management, and advisory services and is based in New York City.

    Median total compensation: $125,250

    Median base salary: $97,000

    An employee said: ” Amazing firm — very challenging but you have a lot of responsibility as an analyst. Exposure to senior management is fantastic and the culture is unlike any financial services firm.”

    4. Dun & Bradstreet

    Glassdoor

    Dun Bradstreet is a provider of commercial data to businesses and is headquartered in Short Hills, New Jersey.

    Median total compensation: $130,000

    Median base salary: $95,500

    An employee said: ” Great pay. Very low stress. Good work environment. Work from home allowed and encouraged. Management really cares about employees and goes out of its way to make it a good work environment.”

    3. PayPal

    Glassdoor

    PayPal is a global digital payments company headquartered in San Jose, California.

    Median total compensation: $135,000

    Median base salary: $125,000

    An employee said: ” The executive team is really authentic and inspiring. They are very open to change and new ideas from anywhere in the business. People are generally helpful and working toward the same vision for the company. It’s a really inspiring place to be right now. You feel you are making a positive impact on the world and great opportunities for your career.”

    2. BNP Paribas

    Glassdoor

    BNP Paribas is a banking services company. Headquartered in Paris, the company has offices around the world.

    Median total compensation: $138,500

    Median base salary: $118,500

    An employee said: ” Benefits, 30+ days vacation, work life balance, competitive compensation, new business units and projects across the bank.”

    1. Visa

    Glassdoor

    Visa is a global payments company headquartered in Foster City, California.

    Median total compensation: $150,000

    Median base salary: $130,000

    An employee said: ” Fantastic brand. Leader in the payments space. Relatively good compensation and benefits. Good work life balance. Management that is trying to stay ahead of the game and proactively disrupt the market rather than wait for external players to do the same.”

    Share This Post





    USA Aircraft Brokers, Inc, Twin Piston Engine, 1980 Piper PA-34-200T (Seneca II


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    Aircraft for sale

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    1980 Piper PA-34-200T (Seneca II )

    • Price: $ 200,000.00
    • Year: 1980
    • Serial: 34-8070266
    • Registration: N8235E
    • TTAF: 2157
    • Ad Type: For Sale
    • Location: Punta Gorda, FL USA
    • Type: Available

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    Is Whole Life Insurance Right For You? Consumer Reports #life #insurance, #whole


    #

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    Is whole life insurance right for you?

    We’ve long advised younger, budget-conscious families to buy term life insurance. The main reason—it offers bargain-price protection that pays a large benefit to your survivors if you die during the typical 20- to 30-year term of the contract. Consequently, we’ve tended to short-shrift whole life insurance because it’s a murky mix of life insurance and savings or investment vehicle that builds cash value after several years and into the ­future—again, as long as you pay the premiums, which can be 10 times as high as those on a same-sized term policy.

    Our advice—that term life is a better deal for most families—hasn’t changed. But because bigger annual premiums result in larger commissions for insurance sales­people, sooner or later an agent may try to sell you a whole life insurance policy, also known as “cash-value” and “permanent life.” But whole life is a lot more complicated than term, and you should understand how both types work.

    The confusion starts with the fact that whole life insurance combines two financial products—life insurance and an investment—into one that is supposed to serve your needs over your entire lifetime. But life is unpredictable, and the circumstances that drove your initial purchase can be very different a decade later. A period of financial stress, say, may prompt you to eliminate the high annual payment and surrender the policy for its cash value.

    Running the numbers

    Click on the image to expand it.

    To grasp the value of whole life insurance, you need to see how it and term life insurance operate in practical terms. We got term and whole life quotes from AccuQuote, an online broker that sells policies from about 100 insurers nationwide, for a 40-year-old Illinois man in perfect health who wants a $500,000 policy with level annual premium payments (click to enlarge the chart, right).

    When you’re young and have a family, term life insurance (dotted-red, then solid red line) provides a big death benefit for a bargain price (turquoise line). But at age 70, in our example, the 30-year term protection ends. That’s also when the term life starts becoming prohibitively expensive because of the insured’s age and declining health, and the increasing probability of death.

    A traditional whole life insurance policy purchased at 40, keeps the death benefit in force beyond age 70, as long as premiums are paid (dashed-blue, then solid-blue line). Whole life premiums are steep, though: $6,760 per year vs. $660 annually for the term policy. But the “excess premium” goes to guaranteed savings, which build cash value over time (light-gray line).

    Alternatively, you could buy the 30-year term policy and each year invest the difference between the whole- and term-life premiums in conservative 10-year Treasury notes. (T-notes are a comparable alternative to investing in whole life, in terms of liquidity, risk, and resulting returns; a stock mutual fund would not be comparable.) In this illustration, which assumes that the current 2.17 percent 10-year T-note rate remains level, the T-notes can provide a higher return on your money (dark-gray line) vs. the guaranteed return (light-gray line)—but no death benefit past age 69.

    So one value of whole life is the continuing death benefit (dark-blue line) for your heirs while you continue to build cash value.

    But some whole life policies also pay dividends based on the insurer’s financial performance. Those returns, not guaranteed but likely, can be reasonably estimated. When the dividends are used to buy additional “paid-up insurance,” that can add an estimated $500,000 to cash value by age 90 (light-blue line) and boost the death benefit to $1.1 million (gold line).

    However, the average annual rate of ­return—1.5 percent for the whole life guaranteed cash value, 2.2 percent for the Treasuries, and 3.5 percent for the whole life possible cash value—is undercut by inflation, currently about 2.2 percent per year.

    So your savings tread water while providing lifelong life insurance, and you can pass on the assets tax-free to your heirs .

    The name of the game is to hold on to your policy until you die. About 4 percent of whole life policies per year lapse, according to a study of 47 million policies issued by 20 insurers over more than two decades, by LIMRA, an industry research company. That means the value of a whole life policy depends on how long you own it. Here’s what to look for:

    Less than five years

    If a reversal of fortune causes you to quit the policy in less than five years, whole life is a lousy investment. Huge front-end sales commissions and policy-surrender charges eat up the cash value, and you’ll probably lose all or most of your investment. You will have received the value of the life insurance protection for that period, but that will be wildly overpriced because you could have paid significantly less for a simple term policy.

    Our advice: If you worry that you won’t be able to maintain those high whole life premium payments for even a few years, buy term insurance instead.

    Sixteen years

    If you dump your policy around the 16th year, your cash surrender value plus the value of the insurance you received will be about what you put in. So that’s the earliest you can drop the policy without losing your shirt.

    Our advice: If you’re wealthy, you can probably gamble on whole life over that long period. If you’re struggling, go with term.

    Two decades and beyond

    As our chart shows, if you steadily maintain your payments for two decades, the returns on whole life, including dividends, start significantly pulling away from the term plus Treasuries alternative. Meanwhile, surrender charges have usually disappeared, if you want to cash out. “If you hold a cash-value policy long enough, it can compete with alternative investments of comparable risk,” says Glenn Daily, a New York City fee-only life-­insurance consultant.

    Our advice: Higher-income folks in the 20+ years club have options: If you’re building a legacy for your heirs and have the money to keep going, the rising return trajectory and insurance coverage should give peace of mind. If you need to leave whole life, you can.

    Whole life provides a death benefit until age 100 to 121, depending on the policy, but you have to keep paying the premium as long as you live. However, for an additional premium, if you become disabled before age 65, the insurance company pays the premiums for the rest of your life.

    Hidden truths

    This mixed bag of potential benefits and costs is complicated enough for consumers to navigate, but poor disclosure robs consumers of the information they need to comparison shop.

    Although most states have adopted model disclosure regulations promoted by the National Association of Insurance Commissioners, no state or federal agency requires them to mention such basics as investment-­management fees, rate of return, and (with the exception of New York) sales commissions.

    Insurers also don’t disclose what part of the annual premium goes to pay the life insurance vs. savings components of the policy. If you don’t know how much is going to your cash account, you can’t accurately calculate your rate of return on that asset.

    That makes it difficult to compare one policy with others. And yet there are large differences in prices among companies for essentially the same coverage, industry experts say. Brian Fechtel, a chartered financial analyst and 27-year life-insurance agent, says commissions on whole life can be 130 to 150 percent of the first-year premium.

    “If the industry disclosed the commissions, whole life sales costs would have to come down to be competitive,” Fechtel says.


    RECOMMENDED CITY WORLD HYUNDAI #city #world #hyundai, #bronx, #ny #car #dealer, #hyundai,


    #

    City World Hyundai | Bronx New and Used Car Dealer NYC| Auto Dealer located in Bronx, New York serving Queens, Brooklyn and Manhattan offering 2017 Hyundai Elantra, New Sonata, Lease Offers on Santa Fe, Deals on Santa Fe Sport and Credit Approvals on alll models including Tucson. Drivers in White Plains, New Rochelle, Yonkers, Fordham, Pelham Bay, Rye, Bayside, Long Island City, Jamaica and Stamford, Connecticut and Paramus, New Jersey will find good reasons to Buy in the Bronx!

    Welcome to our digital showroom. As an online shopper, your experience while seeking financing for a new 2017 Hyundai Elantra, competitive finance rates for a new 2017 Sonata or excellent lease payments on a new 2017 Santa Fe, Santa Fe Sport or Tucson is important to us. Elantra GT, Hyundai Veloster and Hyundai Accent models offer our customers excellent fuel economy and all Hyundai models offer America’s Best Warranty with a 10 year / 100,000 mile power train limited new car warranty, a 5 year/60,000 mile comprehensive new car warranty, roadside assistance and Hyundai Assurance.

    City World Hyundai is located at 3350 Boston Road, Bronx, New York and serves all of New York City including Queens, Manhattan and Brooklyn. City World Hyundai is the exclusive Hyundai dealer in the Bronx!

    In fact, for drivers wanting a new Hyundai or any pre-owned vehicle we offer excellent customer service! We will make it worth coming over the bridge such as the Triborough Bridge, the Throgs Neck Bridge and the Bronx-Whitestone Bridge to purchase or lease your vehicle at City World Hyundai! That’s a City World Guarantee!

    City World Hyundai Service Department

    City World Hyundai Service Department is located at 2249 New England Thruway, Bronx, New York 10475.
    Our team of Hyundai certified technicians are ready to serve you and service your vehicle for regular maintenance such as an oil change or new brakes, new tires, a complimentary multi-point inspection, free battery check or any major automotive repair.

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    Visit us today at City World Hyundai! We look forward to serving you!