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You Can Apply for These Small Business Loans with Bad Credit, business

You Can Apply for These Small Business Loans with Bad Credit

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Small business owners are often turned away by lenders when they have poor credit. That s because a bad credit score implies you have not managed your finances properly in the past.

A number of alternative lenders are offering loan solutions for bad credit today. These lenders place more importance on the operating history and strength of your business. In other words, they do not focus solely on your credit score when they consider your loan application.

Here are some loans for bad credit options worth exploring.

Small Business Loans with Bad Credit

Kabbage

The best thing about Kabbage is that it does not require a minimum credit score to qualify. It does, however, check your credit history. If you are looking for some short-term working capital, Kabbage is worth trying. You can borrow from its line of credit and repay on an as-needed basis.

To qualify, you should have minimum annual revenue of $50,000 and have been in business for at least a year. You must also have a business checking account, bookkeeping software or an online payment platform.

It takes only a few minutes to complete the online application process and if approved you can get funds in just a couple of days.

Fundbox

Fundbox does not have a minimum credit score or minimum annual revenue requirement. Instead, it takes the value of your invoices and ability to repay the loan into consideration.

Funding is prompt and takes up to just three business days.

To qualify, you must use bookkeeping software or online accounting that can link to Fundbox and have a minimum of six months activity in one of these software applications.

OnDeck

OnDeck offers both term loans and lines of credit. You can go for the term loan if you are looking for some quick cash to expand. If you want to manage your cash flow and working capital, a line of credit is your best option.

To qualify for OnDeck s term loan, you must have a personal credit score of 500 or higher. For a line of credit, your personal credit score should be at least 600.

Once you complete the online application process, you ll get a decision within a few minutes and funding as soon as the following day.

Interestingly, OnDeck reports your payment activity to the three credit bureaus, which means paying off your loan on time can boost your credit score.

BlueVine

If you lack collateral, have poor credit and unpaid invoices, you may consider BlueVine. The lender offers an advance based on the value of your invoices. Approval is based on the strength of your cash flow and the financial strength of your debtors.

You do need to have a personal credit score of 530 or more to qualify. Also you should have at least $120,000 in annual revenue and have been in business for at least three months.

StreetShares

If you have a new business, StreetShares is a good option to explore. The lender requires a minimum of one year in business and $25,000 in annual revenue. But even if you have been in business for only six months and you can qualify with $100,000 in revenue.

You need to have a minimum personal credit score of 600 or more and a strong cash flow to be eligible.

Dealstruck

Dealstruck is a good option if you are looking for different loan products. The lender offers a term loan for expansion, an asset-based line of credit for businesses with unpaid invoices and an inventory line of credit for businesses that have recurring inventory purchase requirements.

To qualify, you need to have a minimum credit score of 600, although company CEO Ethan Senturia has said that the company accepts scores in the 500 range. You also need at least $150,000 in annual revenue and need to have been in business for at least a year.

A bad credit score may create problems for you when you try securing funds for your business, but it shouldn t stop you from exploring options. You need to understand your needs and look for options that meet your requirements.

Editor’s Picks

Shubhomita Bose

10 Reactions

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These options gives hope to those people who are already buried in debt. But I am not a fan of taking a loan and having more debts to pay existing debts if you know what I mean.

Aira, business debt is a different animal than consumer debt. It s one thing to go into debt buying nice furniture, big tvs, vacations, etc. It s another thing to go into debt to get bulk inventory discounts, finance equipment, expand restaurant seating, or anything else that will turn $1 of debt into $2 of revenue, for example. That s what business loans are typically used for.

Looking for a simple small business loan with monthy affordable payments. A possible loan of 5,000 dollars please





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Bad-Credit Business Loans, Decision in 5 Minutes, business loans with bad credit.#Business

Bad Credit Business Loans

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At Max Funding, we understand that many people just like you are in need of funding but are declined by the banks. That’s why we have designed our criteria to ensure each client is treated equally whether your credit history is good or bad.

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How does Max Funding stand out?

Banks have been known to decline business borrowers due to bad credit records. We understand a lot of these situations are due to unpaid invoices, court litigations or many other reasons, and they are not under your control. Our friendly business specialists are trained to assist clients just like you. We take time to understand your circumstances and offer a funding solution that fits your business needs, whether you are a start-up or seek opportunities for growth.

Fast approval for bad-credit business loans from Max Funding

There are a variety of reasons that your business could be rejected for a business loan – and bad credit is certainly at the top of this list. Perhaps the business has gone through bankruptcy in the past, or maybe it has missed or been late on previous payments to creditors or vendors. If issues like these are showing up on your company’s credit history, banks will be wary of lending you money.

In some cases, the problem may be as simple as a lack of credit. If the company is a start-up and its operators don’t have a credit history of their own, lenders will essentially look at the enterprise as an unknown entity. With so many organisations applying for loans, they’re going to have a difficult time justifying providing funds to yours.

But at Max Funding, we believe that every business should have an opportunity to thrive. We examine each application on a case-by-case basis, as we’re eager to provide business loans to our clients with bad credit when we believe that they have a strong chance of succeeding.

If you feel that lenders have not given your organisation the chance it deserves, it’s time to turn to Max Funding. You can apply for a bad-credit business account right here on our website and receive the capital you need to keep your operations running smoothly.

What is a bad credit business loan?

Bad-credit business loans represent a specialised niche of financial products that are intended specifically for businesses that either have a low credit rating or have not been in operation long enough to have a credit score at all. Providing loans of this nature is a speciality of Max Funding.

In determining whether to accept a business loan application, banks may look at the business’ credit score as well as scores of the owner or business operators. There are several angles of approach that a lender can take in determining a specific enterprise’s credit worthiness. But if they don’t like what they see, they’re not going to approve that loan.

This makes bad-credit business finance all the more important for small or struggling companies. Without lenders who specialise in providing finance of this nature, few small businesses would stand a chance of making it through the early growing pains. Instead, they’d find themselves swallowed up and overwhelmed by what ultimately amounts to a hostile business environment.

Max Funding uses a different set of criteria than mainstream lenders in determining whether to loan money to applicants. We aren’t bound by the rigid constraints of mainstream lenders, and this allows us to provide our applicants with tailored solutions that suit their specific needs and purposes – even if they have bad credit or no credit at all.

What do I do if I have no collateral?

Not only a bad credit rating can derail the loan-approval process. In some cases, the borrower may have a reasonable credit score but no way to secure the loan with collateral. If your business is in a situation like this, there’s still hope, as Max Funding can provide unsecured bad-credit business loans to businesses in Australia.

An unsecured loan gives your business fast access to capital without the need for collateral. This is a particularly useful type of loan for small-but-growing businesses that have already taken out more substantial loans in order to launch their operations but still find themselves in need of a short-term finance solution.

Successful small businesses are no stranger to cash flow issues. In fact, money troubles of this nature are often a sign of rampant growth and development. The number of incoming orders may mean that you have to overextend yourself by buying inventory and hiring new part-time staff just to keep the product moving. And all of this comes at a steep initial expense. Knowing that future revenue is going to surge to account for this is no consolation in the short-term.

But this is precisely the type of scenario we can work with at Max Funding. If it’s clear that a loan today will help keep the business afloat during a period of growth, then we’d likely be delighted to supply you with a short-term unsecured loan.

There’s no need for collateral. Instead, simply borrow the funds you need now and commit to a timely repayment structure lasting anywhere from one month to a year. As long as your turnover is high enough and your credit is within reasonable bounds, our underwriters are willing to take a chance on you.

Apply for flexible bad-credit business funding today

Financial difficulties can be an immense source of stress for small businesses and start-up. Bigger enterprises operate on a much grander scale, and lenders are generally more willing to work with them, as their credit scores are almost certainly well-established and there’s no shortage of collateral in-house. But small businesses don’t always have the same advantages.

If you’re tired of suffering through loan-application rejections, it’s time to give Max Funding a chance. It’s our goal to provide you with the highest-possible loan amount based on the information you provide us with in your online application. We’ll look at a mixture of your assets and business activities to determine which type of loan is best suited to your situation.

Applying for a loan through our website is refreshingly easy. The process begins with the small contact form located right here on the screen. Simply fill out the form and let us know how much you would like to borrow and what the purpose of the loan is. You can also give us an idea of your credit history through the form so that we can better tailor a product to suit your needs.

Our system is available to accept applications 24/7, and you’ll receive a near-instant decision as to whether we’ll be able to supply you with a loan. Processing is fast, and the funds will be in your hands quickly enough to keep your cash flow buoyant.

Apply for a bad credit business now through our website, and feel free to contact us directly should you have any questions.





How to Get a Business Loan With Bad Credit, Fox Business, business

How to Get a Business Loan With Bad Credit

By Rohit Arora Published September 10, 2013 Small Business

Business loans with bad credit

While the small business lending landscape has been steadily improving over the past year, challenges still remain, particularly for companies that have less than stellar credit histories. Many banks are not willing to provide capital to small business owners who have below average credit scores.

Continue Reading Below

There can be valid reasons why a company might have a poor credit history. During the Great Recession of 2009-10, many small businesses fell behind in payments to vendors or simply could not correct their cash flow issues quickly enough. After all, the hardest time to secure credit is when you are desperate for it. The black marks on a company’s credit history can take months — even years — to erase.

Fortunately, there are lenders who are willing to take chances on a small business owner who may have run into some short-term financial problems and startup companies that have no credit history whatsoever. However, remember the lenders are usually not brand names in the financial services industry; and the interest rates and fees can sometimes be higher than those offered by traditional banks.

Here are some financing options available to business owners with lower than average credit scores:

Merchant Cash Advance is a short-term loan paid in a lump sum to a business owner in exchange for a portion of a company’s future credit-card sales. Companies involved in this type of financing offer quick access to cash without requiring excellent credit or substantial collateral. Some cash advance companies will approve funding requests and forward money in as little as 48 hours. Interest rates are often a bit higher than what traditional lenders charge, however.

Business Credit Cards can provide business owners with poor credit histories access to debt financing. Opening a credit rebuilding credit card is one of the best ways for a business owner to repair previous credit damage.

Continue Reading Below

Microloans are made by non-profit organizations, such as Accion (http://www.accionusa.org), which will grant small loans (up to $50,000) designed to help startups owned by women and minorities, as well as companies that are established in economic empowerment zones. Loans are also available through the Small Business Administration’s (SBA) Microloan Program, which lends funds through non-profit community-based intermediary lenders. Microloans are a great option for businesses with bad credit or no credit histories because their credit requirements are typically more lenient.

The good news for small business owners is that there are ways to improve credit scores. Here are some tips for repairing damaged credit scores:

Check business credit reports periodically

A business’s credit score is derived from a complex mathematical equation designed to predict the likelihood of default. Credit ratings agencies, such as Equifax and D B, examine:

  • company size and business structure
  • industry risk
  • outstanding accounts payable balances
  • payment habits and credit utilization
  • length of credit history
  • public records (judgments, liens, bankruptcies)
  • other factors

Pay bills on time

Late or missed payments negatively impact credit scores. The most important thing is to remain current. Fortunately, recent payment history counts more than older credit problems. Thus, negative issues will eventually fade, and credit problems fade with the passage of time. However, a collection account will remain on your credit history for seven years.

Be cautious with credit cards

Even if your personal debt is problematic, building a positive history of business transactions can enable you to establish a track record of creditworthiness. For this simple reason, it is wise not to co-mingle business and personal bank accounts. Once accounts are separated, be sure that company payments are in order.

My advice to someone who is just starting to build a business credit history is to open a business credit card and make consistent, prompt payments. Some people open numerous credit cards in an effort to increase available credit. In fact, if you open too many credit accounts too soon, the impact will be negative. It is more effective to have one card and to pay it off in full each month.

Incorporate your business

Incorporating makes your business appear more serious. Once you have legally established your business, set up bills (phone, electric, etc.) in the company’s name. If you need small business loan, banks are more likely to make grant funding to a company that has an established address and pays its utility bills each month than they are to a freelancer working at home.

Pre-pay bills when possible

Vendors may offer discounts for pre-payment. If your company is in a position to pay early at a reduced rate, you can cut your operating costs and ultimately improve cash flow. As an added bonus, vendors whom you pay early will likely serve as credit references if you need them in the future.

Run a lean, profitable business

Every company’s goal is to be profitable. Manage staff schedules wisely, particularly when business is slow. Keep inventory at reasonable levels.

Banks are taking a risk by providing capital to small companies. When you apply for a small business loan or a line of credit, lenders want to be assured that you are a good credit risk. That means being fiscally prudent, paying bills on time, and building a solid credit history. These tips seem rudimentary, yet they are very important. For more information, you can visit Biz2Credit’s credit improvement page.





Bad Credit Business Loans: Poor Credit Business Financing, business loans with bad

Bad Credit Business Loans & Financing Solution

Stop applying for Bad Credit Business Loans!

Acquiring a business loan is not easy for businesses with bad credit. Getting approved for a business loan from a bank with a credit score of 650 or less can be extremely difficult. Unfortunately for young businesses bad credit is a common plight. Many entrepreneurs quickly learn that their initial business loan was helpful in establishing and starting up – but expansion, maintenance or even growth requires additional funding which may not always be available. New small businesses tend to damage their own chances for secondary financing during slow beginnings when fixed loan repayments are not always made on time. Other factors such as personal credit may also damage ones ability to be approved for a business loan as most lenders (banks and other financial institutions) look at a combination of both personal and business credit. Many business owners turn to private lenders, small loan companies, or even family or friends. Acquiring the necessary funds through these private channels is usually not realistic as funding amounts are typically limited.

Get a Business Cash Advance: Business Loan Alternative

Business cash advances are the best option for merchants with poor credit in need of small business financing. Cash advances offer the following benefits not available through bank bad credit business loans:

  • Flexible repayment options!
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  • Bad credit not an issue!

Our simple online application takes only a few minutes to complete, and we can approve your business for an unsecured cash advance in less than 24 hours.

Stop turning to banks for business loans with bad or poor credit, get the financing you need quickly.

Apply online now or call us toll free 1-888-878-6250 (1-888-UpTo-250K)

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Shield Funding offers a variety of Business Loans for small business owners. Our business funding programs feature competitive rates and flexible terms. Get your business loan today! Call for a free quote (888) 882-6117 or Apply Online

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Our company is one of the largest and well respected sources of capital in the country. We have assisted thousands of small business owners in their pursuit of financing and because of our experience and resources we get business owners the capital they need when most lenders cannot. Traditional financing programs and many private lenders have a very long and difficult approval process that far too often ends in a denial. Our business loan application process is fast and easy and we have very high approval rates.

The reason our loan programs are so successful is because we do not require great credit or collateral, impressive tax returns, lofty profit and loss statements, and we do not have unattainable debt-to-income requirements. We help businesses get approved for small business loans based on a company’s financial strength and potential. What this means is that if you have an existing business that generates monthly gross revenues you are likely eligible.

At Shield Funding we make applying for, and receiving a small business loan relatively simple. We have an easy to complete online application to begin the process or if you prefer we can take your application over the phone. The typical approval process is about 24 hours and funding can occur within the same week that you apply. Get the working capital you need to grow your business with a company you know you can trust.

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Shield Funding offers small business owners a fast and easy way to obtain small business loans. All of our loans are unsecured so there is no need for collateral, and we offer very competitive rates and terms for borrowers at all credit levels. Our business loans are a great alternative for small business owners that do not meet traditional financing requirements or for business owners that want to avoid the long and drawn out process involved with obtaining a loan from a bank.

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Our bad credit business loans are a great opportunity for small business owners that need business funding to meet short term financial obligations but have a very poor credit profile. Our main requirement is that you have an existing small business that has generated monthly revenues for at least two months. These business loans for bad credit are unsecured, there are very few documents needed for an approval, and business funding can occur in a matter of days. Learn more about bad credit business loans.

Merchant Cash Advance

A merchant cash advance with Shield Funding is an excellent way for merchants to get immediate funding for their business. We offer competitive rates for both good and bad credit borrowers, payment terms are flexible, and the approval process is extremely fast. This is a very low document business loan alternative that only requires a small business borrower to accept credit cards from their customers for a period of at least two months.

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At Shield Funding we are a leading resource for small business loans for women. This program was established to support female entrepreneurs that want to improve or expand their company. The application process involves a small amount of paperwork, both good and bad credit applicants are eligible, and the only major requirement is that the small business has a female owner or partner and the company is currently generating revenue for two months.

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Shield Funding offers a variety of Business Loans for small business owners. Our business funding programs feature competitive rates and flexible terms. Get your business loan today! Call for a free quote (888) 882-6117 or apply online.





How to Get a Business Loan With Bad Credit, Fox Business, business

How to Get a Business Loan With Bad Credit

By Rohit Arora Published September 10, 2013 Small Business

Business loans with bad credit

While the small business lending landscape has been steadily improving over the past year, challenges still remain, particularly for companies that have less than stellar credit histories. Many banks are not willing to provide capital to small business owners who have below average credit scores.

Continue Reading Below

There can be valid reasons why a company might have a poor credit history. During the Great Recession of 2009-10, many small businesses fell behind in payments to vendors or simply could not correct their cash flow issues quickly enough. After all, the hardest time to secure credit is when you are desperate for it. The black marks on a company’s credit history can take months — even years — to erase.

Fortunately, there are lenders who are willing to take chances on a small business owner who may have run into some short-term financial problems and startup companies that have no credit history whatsoever. However, remember the lenders are usually not brand names in the financial services industry; and the interest rates and fees can sometimes be higher than those offered by traditional banks.

Here are some financing options available to business owners with lower than average credit scores:

Merchant Cash Advance is a short-term loan paid in a lump sum to a business owner in exchange for a portion of a company’s future credit-card sales. Companies involved in this type of financing offer quick access to cash without requiring excellent credit or substantial collateral. Some cash advance companies will approve funding requests and forward money in as little as 48 hours. Interest rates are often a bit higher than what traditional lenders charge, however.

Business Credit Cards can provide business owners with poor credit histories access to debt financing. Opening a credit rebuilding credit card is one of the best ways for a business owner to repair previous credit damage.

Continue Reading Below

Microloans are made by non-profit organizations, such as Accion (http://www.accionusa.org), which will grant small loans (up to $50,000) designed to help startups owned by women and minorities, as well as companies that are established in economic empowerment zones. Loans are also available through the Small Business Administration’s (SBA) Microloan Program, which lends funds through non-profit community-based intermediary lenders. Microloans are a great option for businesses with bad credit or no credit histories because their credit requirements are typically more lenient.

The good news for small business owners is that there are ways to improve credit scores. Here are some tips for repairing damaged credit scores:

Check business credit reports periodically

A business’s credit score is derived from a complex mathematical equation designed to predict the likelihood of default. Credit ratings agencies, such as Equifax and D B, examine:

  • company size and business structure
  • industry risk
  • outstanding accounts payable balances
  • payment habits and credit utilization
  • length of credit history
  • public records (judgments, liens, bankruptcies)
  • other factors

Pay bills on time

Late or missed payments negatively impact credit scores. The most important thing is to remain current. Fortunately, recent payment history counts more than older credit problems. Thus, negative issues will eventually fade, and credit problems fade with the passage of time. However, a collection account will remain on your credit history for seven years.

Be cautious with credit cards

Even if your personal debt is problematic, building a positive history of business transactions can enable you to establish a track record of creditworthiness. For this simple reason, it is wise not to co-mingle business and personal bank accounts. Once accounts are separated, be sure that company payments are in order.

My advice to someone who is just starting to build a business credit history is to open a business credit card and make consistent, prompt payments. Some people open numerous credit cards in an effort to increase available credit. In fact, if you open too many credit accounts too soon, the impact will be negative. It is more effective to have one card and to pay it off in full each month.

Incorporate your business

Incorporating makes your business appear more serious. Once you have legally established your business, set up bills (phone, electric, etc.) in the company’s name. If you need small business loan, banks are more likely to make grant funding to a company that has an established address and pays its utility bills each month than they are to a freelancer working at home.

Pre-pay bills when possible

Vendors may offer discounts for pre-payment. If your company is in a position to pay early at a reduced rate, you can cut your operating costs and ultimately improve cash flow. As an added bonus, vendors whom you pay early will likely serve as credit references if you need them in the future.

Run a lean, profitable business

Every company’s goal is to be profitable. Manage staff schedules wisely, particularly when business is slow. Keep inventory at reasonable levels.

Banks are taking a risk by providing capital to small companies. When you apply for a small business loan or a line of credit, lenders want to be assured that you are a good credit risk. That means being fiscally prudent, paying bills on time, and building a solid credit history. These tips seem rudimentary, yet they are very important. For more information, you can visit Biz2Credit’s credit improvement page.





How to Write a Business Profile: 10 Steps (with Pictures) #investment #ideas

#business profile

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How to Write a Business Profile

A business profile is like a résumé for your company. It lists basic company details and gives you a chance to highlight your strengths. Just like a résumé, you should write each business profile with a purpose in mind. Use it as an opportunity to briefly state why potential clients should work with you, but give thorough and precise details.

Steps Edit

Part One of Two:
Getting Down Company Information Edit

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Talk about your company’s ideas. If you have a mission statement, put it here. Otherwise, write out your company vision, guiding ethos, and a little about your history. Telling who you are and what drives you gives your company a human element. It also gives you a chance to do some subtle advertising early on.

  • This is a place you can afford to be a little vague. Mission statements are legally necessary for some businesses, and may need to be specific. For everyone else, try to state what you do without limiting yourself. You don’t want to scare away potential business that thinks you wouldn’t consider expanding into adjacent industries. But it is easy to overdo vague language.
  • A bad example: “XYZ Semantics is a company driven by the pursuit of its dreams. We want to bring you with us on this journey. Our dedication to solutions and innovation make us the leading marketing consultants west of the Mississippi.”
  • A good example: “XYZ Semantics is seasoned and talented team of marketing consultants. Since 1975 we have helped our clients grow their business and profits. Though our methods are complex, our goal is simple: we want to help you sell your product to more customers.”

Find out more specific details. Check with your secretarial or human resource staff to find out up-to-date details in several areas. You may not need to use all these, but having them on hand will make it easier when you sit down to craft the profile. Set up a way to streamline this process in the future, as you will want to update this information in your profile regularly.

  • Number of employees
  • Turnover. Low turnover can indicate stability, but either way it’s a good statistic to have on-hand.
  • List of all business activities. What are all the areas you work in?
  • Unique equipment or specialties. If you are the only company that produces, say, a rare machine part, you need to mention that.
  • Certifications
  • Imports/exports
  • Your methodology and/or what software you use.
  • Volume of output you can handle. Prospective clients need to know if you are prepared to meet their needs.
  • Delivery stats. How many units do you ship in a given period?
  • Major accounts or clients. This is a way to show prospective clients whether or not you are used to doing business with companies like theirs. It’s also another chance for subtle advertising.

Sift through all this information. Since you want to keep the profile short, you can’t include every possible detail. Also, not all of them might be strengths. Pick out what might be relevant to include in your profile in various contexts. Keep the other information on hand for future reference, but put the important stuff in one place for easy access.





What Can I Do with My International Business Major? #business #day

#international business jobs

#

What Can I Do with My International Business Major?

Overview

The International Business major, in the McDonough School of Business, provides excellent preparation for students interested in careers involving the coordination of human and material resources toward the achievement of the international goals of the organization. In addition, international business requires special skills to adapt management methods to the needs of foreign environments.

The concentration is intended to prepare the student for administrative positions in international divisions of American companies; careers in the national or international government agencies concerned with international trade development, the establishment of international businesses; and careers in commercial and investment banking.

Skills

The study of international business allows for the development of a core set of skills sought after by employers in a wide range of occupational settings. A sampling of representative skills and abilities follows.

  • Analyze complex and unstructured data
  • Evaluate risks and opportunities
  • Coursework in Finance/Marketing/Management
  • Communicate clearly and persuasively
  • Diplomacy and negotiating
  • Networking
  • Public speaking
  • Awareness of international figures and news
  • Cultural sensitivity
  • Understanding of international politics
  • Understanding of trade regulations
Sample Internship Opportunities
  • Foreign companies operating in the United States (e.g. Chanel, Airbus)
  • Government Agencies (e.g. US Department of Commerce, State, Treasury)
  • Government Relations (e.g. Council on Foreign Relations)
  • International Banks (e.g. World Bank, Export-Import Bank, International Finance Corporation)
  • Multinational corporations (e.g. Viacom, L’Oreal, Hilton, Ogilvy Mather, Saatchi Saatchi, Disney, Goldman Sachs)
  • Nonprofit Organizations (e.g. Human Rights Watch, Amnesty International)

Where are Georgetown International Business Majors Now?

  • Financial Analyst
  • Stock Broker
  • Product Manager
  • Economist
  • Consultant Foreign Exchange Trader
  • Foreign Service Officer
  • Trade Specialist
  • Import/Export Coordinator
  • Lawyer Marketing Manager
  • Public Relations Specialist
  • Advertising Executive
  • Human Resources/Human Capitol Management
Relevant Web Sites and Publications
Professional Organizations

For information about career options, internship and full-time opportunities, contact the Career Education Center at One Leavey Center, (202) 687-3493.





Which is the best business to start in India with 50 lakhs?

#best business to start

#

Which is the best business to start in India with 50 lakhs?

There are several kinds of businesses in which you can dive in like

1. Digital Marketing

With only a small amount of money you can get your business registered and start working. There are several co-working spaces like One Internet ( Co-Working Space In CP Delhi ) who help you in saving your money while also giving you a strong boost on networking, venture capitalist etc. All the registration work along with co-working space rent and your travelling costs will not be more than 25000 INR in a month and to start with a business it is just a minimal amount. You can initially start as a freelancer on the other hand and later on shift to become a full fledged company.

2. Content Marketing or management firm

If you are good at writing then you and your mates can collaborate or you can individually start with a content marketing company. You can keep journalism or literature students as interns to help you with the workload. Plus when you are a one person company the legal pre-requisite are also less. Ask Centrik Budsiness Solutions ( Home – Centrik ) regarding everything legal to get help from.

If you have good connections with the wholesalers and you do have an interest in fashion. You can become a merchant on websites like Snapdeal, Flipkart, E-bay, Instagram etc. You will need a TIN number and PAN number for the same and Centrik helps you in getting these conveniently.

4. Sales Consultant

At a lower investment you can also plan to become a sales consultant for companies like Avon, Oriflame, Tupperware where with a minimum amount of just 150 or so (for Oriflame), you can join the company and start selling their products.

5. Home Made Gourmet Food

Instagram has become a booming place not just for apparels but also for Gourmet Food. You can become a home chef and deliver what you know the best. If not through Insta you can also do this by printing pamphlets and get it circulated through the newspaper boy or can promote it on social media yourself or give it to a digital marketing company to do it for you at the right social networking site to gain the right target for you like a one year old startup Digital360 ( Digital360 – Best Digital Marketing Company in Noida, India ) that is creative and convenient for your pocket too.

6. Virtual Assistance

If you are a keen observer and love details you can become a virtual assistant to small business owners who are too busy in growing their business. The cost on your side to start this business is just a laptop or computer along with a stable and fast internet connection.

There are plenty more but everything depends on what you are deeply and keenly interested in and how determined you really are.

Apart from the things you can do, as asked by you that who are the small business startups who are doing really well.

1. Maxtan Healthcare a pharma stat-up by Mr. Kumar Manoj Singh

PS. These are all from Delhi apart from the first name.

I hope you find this answer a little helpful and All the Best for your venture 🙂





Can You Make Money With Vending Machines? #business #current #events

#vending machine business

#

Can You Really Make Money With Vending Machines?

The ads are alluring: “Make $500 an Hour in the Vending Business!” “Earn Money While You Sleep in a Vending Machine Business!” But they sound way too good to be true. Can vending machines really be a viable way to earn cash?

The National Automatic Merchandising Association reports that 18 percent of vending-machine operators make between $1 million and $5 million a year. But proceed with caution: The Better Business Bureau warns of scams. and a search of “vending machines” on the Federal Trade Commission’s website unearths dozens of fines and lawsuits.

Here are a half dozen tips for getting into the vending-machine business safely and profitably.

  1. Decide on the vending machine type. Many vending machines are filled with a selection of drinks and snack foods. Others focus more narrowly on a particular category, such as ice cream, popcorn, cigarettes, videos (think Redbox ), or personal hygiene. Some machines dispense individual units; others offer items in bulk, such as hard candy and gumballs.
  2. Get the proper licenses. In some states you’ll need a seller’s permit to operate vending machines, and many states require you to charge sales tax on the items in the machines. The tax varies by state, as does the minimum price that launches the requirement to collect the tax. Be sure to check with your local licensing office to find about the requirements in your area.
  3. Buy the machines. Decide whether you want to buy new or used machines. Prices can vary wildly: A new machine often runs a few thousand dollars, while used ones go for a few hundred or less on Craigslist. eBay. or Amazon. Keep in mind that all machines eventually break down, so you’ll need to either hire someone to repair them or learn to do so yourself. (Tip: You can buy parts from a manufacturer such as Vendors Exchange International .)
  4. Buy or lease a truck. Depending on how large your operation is, you’ll need a van — or, perhaps, a specialized beverage truck — to carry products from machine to machine. A used truck starts at about $5,500 at places like Specialty Trux. or you can lease a basic truck for about $500 a month.
  5. Find a supplier. You can buy products in bulk at a local big-box store or go online. Check out sites like Candymachines.com for bulk candy, or SmartVending for a full line of supplies. Markups will vary, depending on the product. Bulk items, such as candy and gumballs can be marked up 200 to 300 percent, while single items can typically be marked up between 60 and 100 percent. Of course, the more products you buy, the better price you’ll get, so you may have to settle for lower markups when just starting out in order to be competitive, and then increase them as you add machines.
  6. Secure a location or two. Where you place your vending machines will determine how successful you are. Check out each site before you approach its owner. Look for a place that gets a lot of foot traffic, such as an airport, a parking lot, a shopping mall, a large office building, or a busy waiting room. Once you select a location, approach the owner and work out a deal. Some vending machine operators offer the owner a small percentage of their profits; others donate a portion of sales to charity. NAMA, in its publication Vending 101 [PDF], suggests that you sign a written contract whenever you place a machine.
  7. Service your machines. Once your machines are placed, it will be up to you to keep them clean, well-stocked, and in working order. You may be able to do this by visiting once a week, but if the machine is popular, you may need to turn up more often.

Of course, all of this isn’t quite as easy as earning money while you sleep. But with careful planning, hard work, and a little luck, you can run a successful vending-machine business.

Liked this article? We think you will enjoy these recommendations.





How Much Can You Make with an ATM #social #business

#atm machine business

#

How Much Can an ATM Machine Make

How much you can earn in the ATM Business depends on where the ATM is located and if it is needed. The main thing to remember about the ATM Business is that it’s just like real estate. Location, Location, Location.

ATM’s can be installed anywhere in the USA. Inside or outside any retail merchant location including but not limited to Restaurants, liquor stores, convenience stores, fast food restaurants, quick service restaurants, casual dining, bars, night clubs, train stations, football or baseball stadiums, concert venues, adult themed locations, Hotels, Hospitals, Condo complexes, Apartment Complex, High Rise Apartment Buildings, coffee carts, mobile events, mounted in trailers, mounted on the back of food trucks, you name it. Anywhere people need access to cash, an ATM can make you a passive income .

If you answer yes to any of these questions, Get our new book The Amazing Money Machine on Amazon now.

  • I m a retail merchant looking to increase profits.
  • I m an entrepreneur looking for a new business opportunity.
  • I m an investor looking to diversify and maximize annual returns.
  • I already operate an ATM Business and I want to put more money in my pocket.
  • I m an individual looking to make some passive income and would like information about the ATM Business.
  • I m an individual, business owner, or part of a group that has locations that need ATMs.

How much can an ATM make?

Well, It’s all about foot traffic, a reason to need money, and other available payment methods. Sometimes just having a lot of people walk by or see the ATM can mean the difference between a good

The ATM Industry has a “rule of thumb” formula that many Independent ATM Deployers “IADs” use as a general rule to determine if a location would be a good candidate for an ATM machine. There are two different schools of thought on this rule, and obviously since there are many unknown variables, no location is a guarantee using these formulas but it’s better than a WAG (wild ass guess).

    • The first rule of thumb, or formula says that 3 – 5% of people that actually see an ATM machine in an establishment will likely use the ATM. Say for example, your location has an average of 200 customers visiting each day. One would expect, or speculate that approximately 8 of those 200 people would use that ATM daily.
        • You could then take those 8 people, multiply it by the amount of surcharge, then take that figure and multiply it by the number of days of business (how many day’s the location is open) in the year. This will give an ATM owner, or perspective owner, an estimate on how much revenue could be generated from the machine in a year’s time.
        • However, most ATM business owners want to calculate monthly revenue and income.
    • The 2nd rule of thumb follows the norm that the number of adult patrons an establishment has in a given day, that same number plus or minus 10% will use the ATM on a monthly basis. I prefer this rule of thumb and if the establishment accepts credit cards or gives cash back at the point of sale (POS), the lower end of the rule would apply and it might even reduce the number by as much as 20% – 40%.
    • A similar formula is used for hotels or big commercial buildings. With hotels, we take the number of rooms, times the occupancy rate and apply the same plus or minus 10% rule. So if the hotel has 150 rooms with an 80% occupancy rate one might expect 110 – 135 monthly transactions, however if the hotel has any events or banquet rooms, that number would scale higher during those times.
        • Similarly with commercial buildings (office building for example) you might take the total number of employees working in the building and using the yearly formula based on how many days a year the companies occupying the building are open. If there is a cafe or for profit cafeteria in the building the estimates would be higher.

Think about it this way. Some of the best locations are where there is a high need for cash and no credit cards are accepted. Swap meets, events, and street fairs, are all great but very temporary. That would be a mobile ATM business which we can also show you how to operate.

We’ll try to boil this down and make it simple. At the very least, if you’re a retail merchant, and you don’t already own an ATM, you could purchase the hardware from anyone (even from us) and once you set up the ATM processing it should at least pay for itself in as little as a few months.

You’ll also need a communication method so the ATM can talk to our processing center. You can choose from a dedicated standard phone line (but since it calls a toll free or local number you’ll just have the cost of the line, no tolls), Internet Service (if you have a high speed model or DLS with a router, you can hard-wire the ATM to your current internet), or you can choose our wireless cellular service which is often less expensive than a phone line and lightening fast.

With the advent of VoIP and certain devices if you have a computer close to the ATM you could potentially use a Magic Jack or other device as long as the ATM can hear a dial tone or pre-dial to get a tone (like dialing a 9, although not as reliable, it would still work). However, intermittent communications can cause more problems that they save you. If there is an issue with communications, transactions could be slow or worse they could be interrupted and customers would not receive money from the ATM getting upset.

If you have a fast internet connection and you purchase one of the new ATMs which includes internet processing, or get a separate wireless device ATMDepot can handle the rest for you. In order of ranking communications as far as ease, cost, and reliability.

    • Wireless Device is preferred and is the most reliable.
    • Next would be your own Internet service with a hard wire to the ATM Machine.
    • Lastly, a standard Dial up Phone line, but this method causes the most communication issues.

If you don’t have an ATM or are considering getting into the ATM business to earn some extra cash or a passive income, you just need to be sure that a minimum of at least 3 – 4 people per day would use the ATM every day (if available 7 days per week).

Obviously if you’re a retailer and are open 10 hours a day that’s just one person using the ATM every few hours. If you’re considering a through the wall machine that faces outside it will be available 24 hours a day but those machines need at least 8 – 10 people per day to make financial sense.

If you already have an ATM or are already in the ATM business and are looking to switch your ATM processing services (you need to check your current ATM agreement for termination clause) you could take advantage of our higher revenue sharing without any costs to you and put more money in your pocket.
If you don’t have an ATM, you can review our ATM Machine equipment options or call us for advice.

Let’s say for example you purchase the new Hyosung Halo. You can install it yourself, but we recommend you let us arrange to have a professional install it and train your staff. This ATM can use wireless communications technology which is under $20/mo so no phone line is required.

We also have a Triton ATM for under $2,500 and carry the full line of Hantle and Genmega ATMs. You will probably invest between $2,250 – $3,500 in good ATM machine by the time you’re done with professional installation, signs, or anything else extra you may want for your ATM Business.





Get online with Business Web Hosting – BT Business #catering #business

#business web hosting

#

Cookies are small text files that are stored on your computer when visiting some websites. We use cookies to make our website easier for you to use. You can remove any cookies already stored on your computer, but this may prevent you from using parts or our website.

Select an option below to control the cookies types used on bt.com or find out more about cookies .

  • Targeting
  • Functional
  • Strictly necessary performance

This site will

  • Remember what is in your shopping basket
  • Remember your log-in details
  • Make sure your logged in areas are secure
  • Offer live chat support
  • Make sure the website looks consistent
  • Allow you to share pages with social networks
  • Allow you to comment on blogs
  • Send information to other websites so that their advertising is more relevant

This site will

  • Remember what is in your shopping basket
  • Remember your log-in details
  • Make sure your logged in areas are secure
  • Offer live chat support

This site wont

  • Allow you to share pages with social networks
  • Allow you to comment on blogs
  • Send information to other websites so that their advertising is more relevant

This site will

  • Remember what is in your shopping basket

This site wont

  • Remember your log-in details
  • Allow you to share pages with social networks
  • Allow you to comment on blogs
  • Send information to other websites so that their advertising is more relevant
  • Provide you with live, online chat support
  • Improve overall performance of the website

BT Web Hosting





Sell a business or buy a business with #zee #business

#business for sale

#

Businesses For Sale

Selling a business? We can help you

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Mid Market businesses for sale

Provider Of CCTv And Digital Surveillance Solutions Business For Sale United Kingdom Manufacturer Glass And Glazing Supplier Business For Sale United Kingdom Specialists In Niche Passive Fire Protection Solutions For Sale United Kingdom Manufacturer Of Automated Electronic Test Equipment Business For Sale United Kingdom Multi Award Winning Creative Agency Business For Sale United Kingdom Profitable Office Commercial And Industrial Fit-Out Specialist For Sale United Kingdom See more Mid Market businesses

Featured Business Brokers

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About BusinessesForSale.com

Born out of one man’s need to sell a business, BusinessesForSale.com started in the mid-1990s as an online bulletin board.

Since those early days our passion for introducing people who want to buy a business to those who are selling a business has grown exponentially along with the site. BusinessesForSale.com has evolved into a truly global service that connects over a million business buyers and sellers each and every month.

For 20 years we have been helping business brokers and private sellers market their listings. From cafes to construction businesses, some of our most exciting business opportunities have included the makers of Big Ben’s clock, a Chinese toll road, a crocodile farm in Thailand and even a tropical island!

We have become the world’s largest marketplace advertising 69,082 businesses for sale in over 130 countries. The website is proudly run by our team of 32 based in London, Sydney, North Carolina and Mexico City.

We’re always looking to improve the site and our service so if you have any feedback or you are looking to sell your business, we’d love to hear from you. Contact Us

Other Great Stuff for Buying and Selling a Business

Businesses For Sale also offers:

Register as a Premium Buyer Contact new businesses for sale and let sellers know you are a serious buyer. Selling a Business We have millions of business buyers searching for businesses for sale every month. You could sell your business today! Business Wanted Reach thousands of sellers with a Business Wanted Ad. Email Alerts We’ll send you the perfect business opportunity the moment it appears on BusinessesForSale.com Market Intelligence Centre Browse our survey responses and learn all you need to know about the state of the business transfer marketplace.

Our latest advice features

The Pork Crackling Company Started as a bet between co-workers the Snaffling Pig Co has now won investment via Dragons Den and co-founder Nick Coleman is as happy as a pig in mud. Gender pay gap average still at 18% It has been over four decades since the Equal Pay Act, but Women still earn an average of 18% less than men according to new research. National Burger Day means business: Dazy Kitchen In the last part of our National Burger Day Q A, we speak to new London start-up Dazy Kitchen… National Burger Day means business: Chuck Burgers Days dedicated to food have become an integral part of the growing ‘foodie’ culture in the UK and the hamburger has become a staple part of western culture itself. See more articles

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How to Write a Business Proposal: 13 Steps (with Pictures) #ideas #for

#business proposal

#

How to Write a Business Proposal

How can I write a proposal for maintenance for air conditioning systems?

Answered by wikiHow Contributor

  • State the problem and tell whoever you are writing to about why the A/C system needs maintenance, Then state your proposed solution to the problem. After that, double check everything that you wrote down to make sure you like how it looks, then sign your name and you’re done!

How can I produce a business proposal 1000 words specifically looking at the communication process of a chosen organization?

Where can I read a sample Sales Proposal?

A proposal for a rental property for an equine rehab. Brand new 4-5 bedroom house in West Palm with animals including riding horses. How would I write that?

How do I write proposal offering to solve a persistent problem?

How do I write a problem for solving a business proposal?

Video Edit

Tips Edit

Do not overuse similar words.

Check spelling and grammar.

Related wikiHows

How to Write a Resignation Letter

How to Make an Authorization Letter

How to Write a Letter Requesting Sponsorship

How to Write a Letter of Intent

How to Write a Problem Statement

How to Write a Complaint Letter to a Company

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How to Write a Standard Operating Procedure

How to Write a Letter of Complaint to Human Resources

How to Write a Business Thank You Note





Looking for Stable Business Ideas? Here Are 12 Types of Companies With

#cash flow business

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Looking for Stable Business Ideas? Here Are 12 Types of Companies With Healthy Cash Flow.

Data Featured Lists Editor

November 24, 2014

Land subdivision and funeral businesses may not be the sexiest small-business ideas when compared to, let s say, a web startup or a local coffee shop. But private companies in these fields tend to have the healthiest cash flow, according to new data from Sageworks. a Raleigh, N.C.-based financial data company.

For entrepreneurs seeking new ventures. businesses with a track record of stability and solvency may be a good place to start. Sageworks used highest average current ratios to generate a ranking of 12 business types with healthy cash flow for the year ending Aug. 31, 2014. [See list below.]

Cash flow is a leading indicator of financial strength because if a company has sufficient cash on hand, it will likely meet its short-term obligations — like accounts receivables and employee salaries — on time.

Sageworks analyst Jenna Weaver says the businesses listed have the ability to pay their bills and they tend to, on average, have positive cash flow. She adds that while these businesses aren t necessarily fun or flashy, understanding why certain industries or business models are more inclined toward solvency than others is useful for any entrepreneur.

Following land subdivision and death-care services, this year s ranking also includes grocery stores, real-estate businesses, clothing stores, liquor stores, gas stations, dry cleaning and laundry services, specialty-food stores, employment services, health and personal care stores, and investigation and security services.

Land-subdivision companies divide land into plots to make selling the property easier. Weaver explains that its top ranking may reflect the strong real estate/construction market recovery since 2009.

The rest of the results show themes: half of the list represented the retail sector. While giants like Walmart are known to operate with a low current ratio because of their ability to turn inventory quickly into cash, small private retailers may have difficulty predicting consumer behavior and may therefore stockpile inventory to meet any unexpected consumer demand. Weaver explains that the ability for these smaller establishments to then turn these inventory levels into receivables, and receivables into cash plays a big role. Also, she says a third of the industries on the list are service-related businesses, which usually have lower or no inventory needs.

While every industry operates on different business cycles and models, entrepreneurs brainstorming on stable business ideas should always keep solvency in mind.

Often, when businesses fail, they fail because of their inability to manage these ratios and generate positive cash flow, Weaver says.

It s important to note that a current ratio that is too high is not always ideal. A company wants to keep enough cash or liquid assets available to be able to meet its short term debts, but it doesn t want to sit on too much cash or inventory, so that its assets are still being productive for the business.





Boost Your Real Estate Business With Smart Real Estate Management Software #business

#real estate business

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Boost Your Real Estate Business With Smart Real Estate Management Software

Due to its eye popping attractions, glamorous lifestyle, and internationally acclaimed real estate, Dubai stands as being one of the strongest hubs for real estate agents. The ever-expanding construction projects in the UAE have brought rise to hundreds of real estate agencies that are focused on bringing a world-class experience to anyone buying property in the UAE.

Available real estate in areas such as Business Bay, Arabian Ranches, Dubai Marina, The Palm Jumeirah, Downtown Dubai, Al Warqaa, Jumeirah Lake Towers (JLT) and many others are being offered by real estate agents to not only those living in Dubai, but all over the world.

What are Real estate websites why are they used?

Real estate websites are known to provide a database of available property, villas, apartment, land, etc. to anyone seeking looking to purchase.

For real estate agents and brokers, it is becoming challenging to deal with the increasing traffic on their real estate websites. This has resulted in web development companies developing what is known as real estate management software. This software has been created to help manage the overwhelming records and data of property being offered on a relator’s website.

Some known property management software:

Many companies that work on web application development are hence developing property management software that is used by real estate agents to facilitate their business. AppFolio Property Manager, MRI Residential Management, Propertyware and roomMaster are some of such software that is widely used, more can be found here.

Benefits of Using Real Estate Management Software

Real estate management software provides a platform to manage properties, payments, accounting, selling record and all such utilities at one place no matter what platform you are accessing from (phone, tablet, PC). It provides you the tools that you need to manage your real estate.

It includes management tools that are helpful in managing your properties in less time thus allowing you to focus your time on revenue optimization by offering a self-automated process. They are designed to facilitate leasing, renting, and purchasing activities carried out in one place.

These platforms are also helpful in networking with thousands of property management companies, investors, real estate managers and others worldwide. This will help you to promote your property as well as enhance sales and attract more visitors to your business.

Real estate applications are used to help businesses become more organized while also increasing productivity. This software offers website integration, smart electronic payments, and online file management along with recurring transactions.

Property management software is also used to speed up the working process of property selling or renting by tracking multiple accounts. This process shortens the document processing time by offering maximum credibility to maintain data confidentially.

For real estate in Dubai, the property management software mentioned above is helpful in boosting your business with automatic and built-in features. At eTek Studio, our services offer web development in Dubai that also includes the designing and development of real estate management software.

Call us now to get your property management software professionally developed by eTek Studio.

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Price Volume – Stocks with the highest price volume ratio #advertise #your

#stock prices

#

US Exchanges Price Volume Leaders Fri, Sep 2nd, 2016

Filter:

US Exchanges

  • US Exchangest
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  • –By Exchange–
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Volume’,’Price Volume: The price multiplied by the volume represented in 1000’s.’,’int’,’right’,’asc’]=2886959.313,2146646.145,1915747.91135,1734880.075,1685000.616,1615897.504,1540889.28,1531264.389,1487701.16955,1396339.882,1329536.611,1215307.252,1181122.382,1089922.68867,1075615.126,1009727.029,926003.36149,866540.94954,827390.85,780789.555,774104.185,701982,700465.983,692783.852,688982.875,665902.716,651063.546,641171.145,620647.032,612282.79,611536.926,603495.728,586010.25,577921.395,561518.477,556354.17,550969.7,525480.6,508140.114,505092.328,501932.80077,479479.336,471989.052,459847.875,449638.93981,423212.622,418052.234,417104.30984,413524.17,411228.029,410104.464,403059.015,402258.462,400739.43,397476.048,395990.77,394991.883,394070.794,391867.509,389189.304,388781.075,385837.6,380360.31,379204.623,375632.4,373669.68,372050.20875,369406.115,363179.432,359380.401,353766.726,348119.16816,346073.562,345448.103,345195.144,345081.96,344278.305,340355.904,332530.243,331295.076,328690.136,327922.231,326552.544,319592.52,319427.056,317627.592,315363.984,314779.311,303944.66,303530.7,303393.138,303042.605,295625.132,294163.116,294019.488,291055.072,291032.04,290356.464,290143.532,289944.2,289303.616,287983.777,287817.684,284783.343,279458.738,279341.808,269060.904,268844.95,268037.331,267175.624,266829.255,264701.255,263725.92,263448.75,263330.126,262936.884,260579.97,259660.08,258699.176,255107.008,254650.24,251812.236,251478.43,249355.062,249093.712,248198.888,244397.16,243581,242150.925,241957.664,239917.899,238806.32182,238622.7,238488.39,238440.174,229417.98,229214.967,226033.766,224674.95,223269.557,223041.069,222072.224,219878.478,218232.168,215516.086,214332.936,213002.592,210434.718,210015.978,209648.493,208847.646,207903.744,206858.971,204356.656,204149.004,203828.142,203493.579,201096.757,200429.74,200220.088,200083.317,199687.824,198885.584,198303.105,197488.557,196113.965,195493.635,194918.415,194044.1,191249.424,190778.376,190688.316,190533.624,188845.784,188302.656,187406.9,186163.704,185192.55,184775.82,184154.912,184017.616,182899.854,182317.528,181945.08,178058.57,178057.544,176522.892,176302.828,175381.884,174296.896,174084.36,173779.032,173554.71,173537.208,173286.752,172515.47691,172334.253,171797.71913,170947.765,170701.19;” data-pageSize=”100″ data-perfLinks=”N%3B”>





Create Invoices, Estimates – Orders with Express Invoice #business #documents

#free business software

#

Express Invoice Invoicing Software

Easy invoicing software to manage and track your billing on Mac or Windows.

  • Create invoices, quotes and orders quickly
  • Automate recurring invoices and templates
  • Easily add multiple users and enable remote access

Express Invoice lets you create invoices you can print, email or fax directly to clients for faster payment. The reporting functionality allows you to keep track of payments, overdue accounts, sales team performance and more.

Streamline your billing process and support multiple tax rates for multiple businesses—all with secure mobile access to iPhone and Android devices. Compatible with Windows and Mac, Express Invoice is available for download today.

Get it Free. A free version is available for home users or businesses with fewer than 5 staff members. Download the free version here. which does not expire and includes most of the professional version features.

Invoicing Software Features
  • Easily create invoices, quotes and orders
  • Customize invoices including logo, heading text, notes and more
  • Save or send invoices as PDF files
  • Email or fax directly from the application
  • Schedule recurring invoices
  • Automatically send statements to customers with overdue payments
  • Supports multiple tax rates for countries where required (e.g. Canada)
  • Supports invoicing for multiple businesses
  • Web access lets multiple users within the organization log in securely via the internal network or the internet
  • Secure, mobile access through the web interface (e.g. iPhone, Android)
  • Sync between your home computer, mobile phone, tablet or any device with the Express Invoice app
  • Reporting includes accounting, salesperson performance, unpaid invoices and more
  • Integrates with Inventoria to maintain inventory data across all aspects of your business

* The iPad and Android apps do not have the web access feature, instead install the desktop version for remote access and log in remotely using the Internet browser on mobile devices.

Invoice Software

Related Software

Invoice Program System Requirements
  • Windows XP/Vista/7/8/8.1/10
  • Works on 64 bit Windows
  • For earlier versions see Win 98 and Win 2000
  • Mac OS X 10.4 or higher
  • iPad version runs on iOS 3.2 or higher
  • Android version runs on 2.3.3 or higher
Download Invoice Software
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“I have a small, freelance writing business and sometimes projects string out and I have to track my time and eventually send the invoice. I can do all that with this program, plus it will send bulk emails and print all the unpaid invoices when I want them or show me reports for a fast business overview. It does everything I need it to and turns out a nice, professional product.”

– JB, Small Business Owner

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Own Your Own Direct Selling Company With K – B Small Business

#small business ideas for women

#

Explore one of the best business ideas for women

In Kaeser & Blair, I not only found a lifelong business partner, but I discovered one of the best small business ideas around!

I looked at a lot of business ideas for women, but none of them were appealing to me. Kaeser & Blair offers you the ability to make a substantial income while owning your own business and selling awesome products. What could be better than that?

The best small business ideas can be found with Kaeser & Blair

Many companies – direct sale companies in particular – promote themselves as being good business ideas for women. They may offer the ability to sell products that women typically enjoy selling, or offer flexibility and freedom that allow women to work around a hectic schedule or diverse set of priorities. Many of these small business ideas sound great, but just don’t deliver on their promises.

Kaeser & Blair business owners
discuss how to make extra money.

Kaeser & Blair is different. K
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Expert Interview with Noah Wieder on the benefits of owning an ATM

#atm business

#

Expert Interview with Noah Wieder on the benefits of owning an ATM

Cash is still king in plenty of places, which is why ATMs are more popular than ever, says Noah C. Wieder, CEO of ATM Depot .

ATM users prefer to pay with cash to avoid credit card debt and interest charges, and merchants also prefer cash users; so having an ATM nearby helps them lower their credit card processing fees.

“So it’s a win-win for merchants who either own and operate their own ATM or who contract with an IAD to operate one for them,” he adds.

Noah recently checked in to tell us about the benefits of investing in an ATM machine and give us a crash course on becoming an independent ATM deployer. Here’s what he had to say:

Tell us the story behind ATM Depot. What’s on your site? Who should be reading it?

ATM Depot caters to individuals, investors, entrepreneurs and independent ATM deployers (IAD’s) looking for a flexible, friendly, experienced and honest ATM company. We believe in transparency in an industry where we see a lot of secrets and scams .

Who can invest in an ATM machine?

Literally, anyone can invest in an ATM. Retailers; commercial landlords; city governments looking to increase revenues at parks, museums and other public places; entrepreneurs; and anyone who can count money.

The cost to enter the ATM business is amazingly low. Many ATM models can be purchased for under $2,500 including shipping. The cost of not working with an experienced ATM company is the expensive part. The cost of learning from mistakes can get expensive.

A better question is who can operate an ATM. Most investors and entrepreneurs can invest or operate an ATM business unless they have a felony criminal record or have been involved in any type of financial crime.

What are the benefits of investing in and managing ATM machines?

It’s very similar to most passive income business models. Benefits include:

  • Working your own hours
  • Excellent annual returns (even on locations that only have three or four users per day)
  • Minimal investment, relatively low risk
  • Getting to meet and work with great people
  • No more trading time for money
  • Great ROI

What considerations should someone who’s interested in investing in an ATM machine make before purchasing one?

They should read everything they can about the business. A couple of links to some of the papers I’ve authored:

Of course, I recommend my book, The Amazing Money Machine, where I explain the entire business from start to finish. ATMdepot.com also offers serious investors a private members’ area where they can get proprietary information, forms and videos that are reserved for our IADs.

Get a handle on your cash with Mint.com .

What are the disadvantages and/or risks associated with these machines?

As with any business, the biggest risk is loss of capital; however, with the ATM business that risk is minimized since the biggest investment is the ATM hardware, which is an asset that can always be moved to a new location.

Another risk is vandalism and/or theft, but inexpensive insurance is available; and in my 20+ years in the business we’ve experienced very few of those issues (but they can occur).

Machines do need to be serviced and cleaned regularly to make sure they remain in the best working order. While not usually an issue, there can be cash jams, printer jams, communication problems or electrical surges that can bring the ATM offline (a good surge protector is key).

ATMDepot.com offers toll free 24/7 tech support and most issues can be resolved over the phone, but if an ATM investor owner-operator needs more help, a field service call can be arranged quickly.

Where are the best locations for ATM machines?

This is a big question and also varies by geography.

While everyone knows that convenience stores, casinos, supermarkets and adult retailers are great locations, they are difficult to obtain.

The best locations are high traffic places where people need cash, like stores that don’t accept credit cards or where a bank might be several blocks away.

My book has an entire in-depth chapter dedicated to this topic. A good ATM company can help their IADs evaluate locations using a variety of tools including Google Maps (satellite view) to help access the area, Zillow or SearchBug Tools to hone in on certain neighborhoods and geographic characteristics to further evaluate the potential of a location.

Where do we go to purchase an ATM machine?

ATMs can be purchased from several different ATM companies; it’s important to compare features and models carefully. New laws and compliance requirements are forcing existing ATM operators to upgrade machines, and some non-compliant machines that should be recycled are showing up for sale on websites. Some machines are non-ADA compliant, some ATMs have old software and hardware that cannot be upgraded; so it’s important to purchase ATM machines from reputable firms with the most updated information on what ATM models are outdated.

I wrote an eBay guide about the five questions to ask before buying an ATM since I saw so many scams on eBay for used machines.

How are the machines stocked? Who handles stocking them?

There are several ways to load an ATM. It’s as easy as loading a napkin holder.

The person loading the ATM is called the vaulter. Vaulters could be the ATM owner, a professional independent cash vaulter, an armored car service, or a trusted third party. The important thing to remember is that if the vaulter is not consistent and lets the machine run out of cash, then the ATM owner and the store lose money and customers get upset. So vaulting is a very important component of the business.

The most costly vaulter is an armored car and a cash management service, but it’s also the most reliable. So for a very busy machine, this can be beneficial; but the ATM also requires a significant lock upgrade for armored car auditing.

The additional lock can increase the cost of the ATM by $600 to $650, which can be significant on a $2,500 machine. The least expensive solution is to have the location be the vaulter and share the revenue or pay a set per transaction fee.

What types of machine models are available?

We currently like the Hyosung and Genmega ATMs as they are fairly priced and very reliable. There are many different models, many of which suited to different applications. It’s best to work with someone from our office once a location is selected.

Recommendations can then be made based on available space, traffic estimates, cash needs, visibility, and indoor/outdoor or freestanding/through-the-wall models.

There are many questions that should be asked and answered before a specific machine is ordered by an investor. Preservation of capital, ROI, and profit potential should all be considered.





Business Development Jobs: Search Charity Business Development Jobs with Third Sector Jobs

#business development jobs

#

Charity Business Development Jobs

Sign up for job alerts Get new jobs for this search by email

Found 43 jobs

Search apply for the latest business development jobs with Third Sector Jobs. Here at Third Sector Jobs we specialise in a large variety of jobs within charity including business development jobs in the UK, business development manager jobs, business development director jobs and many more. Whether you are looking for the latest vacancy or have a job within charity to fill, Third Sector Jobs is here for you.

Leeds, West Yorkshire c£70,000 + benefits Sue Ryder Wheatfield’s Hospice

Sue Ryder is a large and complex charity delivering over 3 million hours of care in the UK each year from our community services and 12 care centre.

Oxford, Oxfordshire Salary between £38,000 and £50,000 per annum Corpus Christi College

To mark this important moment in its history it has embarked on a major fundraising campaign and a year-long events programme,

Cardiff (Caerdydd) £56,104 – £69,168 per annum Velindre NHS Trust

A unique and exciting opportunity has arisen for a Charity Director to lead the Velindre NHS Trust Charity.

Crawley, West Sussex NN5a-b £27,432.00 – £29,592.00 pa pro-rata St Catherine’s Hospice

We are currently seeking an experienced fundraiser to be responsible for developing and increasing support for St Catherine s

London £39000 – £43000 Per Annum + benefits British Heart Foundation

we will develop an increasingly donor-centric approach to our fundraising in order to engage donors maximise income

Brighton, East Sussex, South East England £19,602 – £21,236 per annum CHM

Our client is seeking an enthusiastic, well-organised, persuasive individual to join their regional fundraising team in Brighton, South East England.

London based £28,848 to £32,967per annum CHM

The Development Officers will be key members of the health and social care teams at this children’s charity, working with colleagues to develop and.

Regional Office in Brighton, with regular travel throughout Sussex, Surrey and Kent £22,073 – £23,912 per annum CHM

Are you a super-focused sales leader who gets a real buzz from seeing your team smash their targets? Lead inspire a team of face-to-face fundraisers

Friends House, Euston, NW1 £45,983 per annum Quakers

Britain Yearly Meeting seeks a talented and committed individual to become our Meeting Donor Relations Leader.

Cowes, Isle of Wight up to £45,000 pa CHM

Our client is a youth charity that uses the power of the sea to transform the lives of thousands of young people each year, funded in part by being.

London (Greater) c £40,000 Independent Age

This post will line manage a small team providing effective and efficient support to ensure projects and services are delivered to agreed targets

Norfolk, Suffolk, Cambridgeshire, Essex, Hertfordshire, Bedfordshire or Lincolnshire. £22,073 – £23,912 per annum CHM

Are you a super-focused sales leader who gets a real buzz from seeing your team smash their targets? Lead inspire a team of face-to-face fundraisers

Cowes, Isle of Wight Up to £60,000 pa CHM

Our client is a youth charity that uses the power of the sea to transform the lives of thousands of young people each year, funded in part by being.

Manchester £29.4k per year + Excellent Benefits Anderson Wright Consulting

Enterprise Adviser sought by our client to make a positive difference to local communities. Our client is an award winning provider of social housi.

London £40000.00 – £50000.00 per annum Prospectus

Our client is an award-winning, international non-profit organisation whose work is at the forefront of ambitious climate action.

London £65000.00 – £75000.00 per annum Prospectus

Our client is an award-winning, international non-profit organisation whose work is at the forefront of ambitious climate action.

London £40000 – £42000 per annum Robertson Bell

Robertson Bell Fundraising are now recruiting for a Head of New Business for their national charity client.

Aylesbury, Buckinghamshire Freelance hourly rate dependent on experience | 15-18 hours a week Stoke Mandeville Spinal Research

An exciting opportunity to develop long-term business and community partnerships through SMSR s unique Wheels at Work campaign and other initiatives.

Cleeve, Bristol £18,691 – £21,989 per annum, pro rata CHM

This is an exciting opportunity to promote, lead, facilitate and develop projects within the charity’s Environment Centre. You will be responsible.

Oxfordshire and surrounding areas £17,276 – £18,715 per annum CHM

Do you care about the UK s wildlife, have a genuine desire to help save nature and the ability to smash your individual and team targets?

Sign up for job alerts Get new jobs for this search by email





Line2 for Business: phone service with toll-free numbers, VOIP & PBX #cash

#business phone service

#

Mobilize your phone system.

If you are looking for a phone system that will allow you to have customer local business numbers and fully integrate with your mobile device, then look no further than Line2.”

– Ben G. FreshySites

As an executive recruiter, I’m on the phone 80% of the time and with Line2, I am able to manage all my contacts with my candidates may it be a call or a text. Nothing comes close.”

– Thess C. Response Companies

Upgrade your image.

Give your business a dedicated number with service
that scales with your team.

Save money.
Easy.

Get a professional VoIP phone service up and running in seconds, with an affordable monthly package designed for your growing business.

Call Screening

Set up customized handling for different callers. Have VIPs forwarded directly to you while unknown callers are sent straight to voicemail.

Customized Greetings

Project the right image. Personalize greetings for different callers: Contacts, VIPs or Unknown. Record your own or opt for professional voice talent, for an additional fee.

Easy Call Blocking

Say goodbye for good. Add unwanted callers to your blocked list and never be hassled again.

Enhanced Voicemail

Easily access and manage your voicemail from your phone, tablet, and laptop. Also, have your voicemails forwarded to email.

Customer Support

Need help? We’re here when you need it, seven days a week.

Call Forwarding

Really need to ensure a call is answered? Set calls to forward to multiple numbers—they’ll all ring at once.

Line2 is a cloud phone service that adds a second line to your mobile phones, tablets and computers with the simplicity of an app. For individuals, it’s an easy way to keep work calls and messages separate from personal ones. For small businesses, it’s a complete VoIP phone service that uses the mobile devices you and your team already have. For everyone, Line2 is easy to set up, manage and use, with affordable monthly plans that won’t hold you back. No contracts to sign. No hardware to buy. No set-up or cancellation fees.

2016 Line2, Inc. All Rights Reserved. The Line2 and Toktumi name, associated trademarks and logos and Tilted Two Logo are trademarks of Line2, Inc.





Design, Create – Print Business Cards Free with CardWorks #business #training

#free business cards

#

CardWorks Business Card Software

Design your own printable business cards

Easy business card design software to make your own business cards.

  • Create and print your own business cards
  • Select from a wide range of business card templates
  • Change template color schemes for additional customization

With an extensive range of business card templates. CardWorks makes it easy to design business cards to fit your personal or corporate brand image, giving your customers and business contacts easy access to your contact information.

Get it Free. A free version is available for non-commercial use. If you will be using CardWorks business card software at home you can download the free version here .

Download Now Purchase

Business Card Software Features
  • Wide selection of business card templates included
  • Download additional free business card template designs
  • Adjust template color schemes
  • All standard business card and paper sizes supported
  • Create single- or double-sided business cards
  • Store names and addresses for multiple businesses
  • Add a company logo, employee photo or other user picture (supports many formats including jpg, gif, tiff, bmp and png)
  • Templates include bleed to ensure colors go all the way to the edge of the card when cut
  • Print with crop marks to easily trim cards to size
  • Export to a high resolution PDF and take to a printer

Business Card Software

Related Software





Looking for Stable Business Ideas? Here Are 12 Types of Companies With

#cash flow business

#

Looking for Stable Business Ideas? Here Are 12 Types of Companies With Healthy Cash Flow.

Data Featured Lists Editor

November 24, 2014

Land subdivision and funeral businesses may not be the sexiest small-business ideas when compared to, let s say, a web startup or a local coffee shop. But private companies in these fields tend to have the healthiest cash flow, according to new data from Sageworks. a Raleigh, N.C.-based financial data company.

For entrepreneurs seeking new ventures. businesses with a track record of stability and solvency may be a good place to start. Sageworks used highest average current ratios to generate a ranking of 12 business types with healthy cash flow for the year ending Aug. 31, 2014. [See list below.]

Cash flow is a leading indicator of financial strength because if a company has sufficient cash on hand, it will likely meet its short-term obligations — like accounts receivables and employee salaries — on time.

Sageworks analyst Jenna Weaver says the businesses listed have the ability to pay their bills and they tend to, on average, have positive cash flow. She adds that while these businesses aren t necessarily fun or flashy, understanding why certain industries or business models are more inclined toward solvency than others is useful for any entrepreneur.

Following land subdivision and death-care services, this year s ranking also includes grocery stores, real-estate businesses, clothing stores, liquor stores, gas stations, dry cleaning and laundry services, specialty-food stores, employment services, health and personal care stores, and investigation and security services.

Land-subdivision companies divide land into plots to make selling the property easier. Weaver explains that its top ranking may reflect the strong real estate/construction market recovery since 2009.

The rest of the results show themes: half of the list represented the retail sector. While giants like Walmart are known to operate with a low current ratio because of their ability to turn inventory quickly into cash, small private retailers may have difficulty predicting consumer behavior and may therefore stockpile inventory to meet any unexpected consumer demand. Weaver explains that the ability for these smaller establishments to then turn these inventory levels into receivables, and receivables into cash plays a big role. Also, she says a third of the industries on the list are service-related businesses, which usually have lower or no inventory needs.

While every industry operates on different business cycles and models, entrepreneurs brainstorming on stable business ideas should always keep solvency in mind.

Often, when businesses fail, they fail because of their inability to manage these ratios and generate positive cash flow, Weaver says.

It s important to note that a current ratio that is too high is not always ideal. A company wants to keep enough cash or liquid assets available to be able to meet its short term debts, but it doesn t want to sit on too much cash or inventory, so that its assets are still being productive for the business.





Financing a business acquisition with debt #business #seminars

#business acquisition loan

#

Financing a business acquisition with debt

If you want to acquire a business but do not have the necessary funds to do so, you might want to consider raising debt against the target company to bridge the funding gap.

This idea might seem counterintuitive at the outset, but is very similar to the process of obtaining a mortgage to purchase a house. Just as a mortgage is secured against the purchased property, acquisition debt can be secured against the underlying assets of the business.

However, unlike a home, a business can generate positive cash flows that can be used to service interest costs and amortisation. By raising debt this way, the equity portion of a transaction can decrease to as little as 10-30%.

Of course, raising debt carries a level of risk. If the company suffers from financial distress and is unable to meet scheduled interest payments to debtors, the company might be forced into technical default or even liquidation.

Therefore, a transaction should be structured so that it is appropriate for the business and fits the risk appetite of the incoming owners:

The Capital Structure

A leveraged company acquisition (where the buyer uses debt in addition to cash to buy a business) is normally funded with a finance package comprising multiple elements of debt. The capital structure may include (in increasing order of seniority):

• Vendor loan (also called deferred consideration) – A debt instrument issued by the seller, where a portion of the transaction value is paid to the seller over time. This is often used to bridge a valuation gap between a buyer and seller. Terms vary

• Subordinated loan – A loan that sits behind other debt in the capital structure, meaning that interest and principal payments of other loans take priority. This form of debt is often provided by specialised subordinated lenders such as credit funds. The loan carries a higher cost of capital because of the associated risks of being junior to other debt (

10-15% interest costs)

• Senior term loan – A cash flow loan that is paid back over time, sometimes with a larger ‘bullet’ repayment at the end. Normally offered by commercial banks, finance companies, insurance companies, and investment funds. The cost of capital ranges between 4% and 8%

• Asset Based loan – A revolving line of credit secured against receivables and stock. Provided by lenders that specialise in Asset Based Lending (ABL). The cost of capital is between 4% and 8%, reflecting the high level of collateral.

Management acquisitions: MBOs, MBIs, and BIMBOs

MBOs, MBIs and BIMBOs are business acquisitions normally funded with leveraged finance.

Management buyout (MBO), Management buy-in (MBI), and Buy-in management buyout (BIMBO) refer to different processes where a management team acquires a significant stake in a company from the private owners. In an MBO the current management of the business buys out the owners, in an MBI a management team from outside the business takes control of the company, and a BIMBO is a combination of the two.

Management acquisitions are appealing to management teams because of the increased potential rewards from being owners of the business rather than employees. Their potential rewards are enhanced further by the fact that the team normally have a thorough understanding of the business they want to acquire.

Management acquisitions are also attractive to the seller. Because the management team already has full knowledge of the company available to them, certain stages of the transaction process, e.g. due diligence. can be expedited.

Thus, in the right situation, these three types of company acquisitions can drive substantial value for the buyer as well as the seller.

As you can see, there are many different ways to structure a debt driven company acquisition. Having an understanding of what types of finance are available to you, as well as the most appropriate capital structure gives you the tools to optimise your use of capital and maximise your chances of successfully acquiring a business.

This article was contributed by Dan Barrett, Director of the Corporate Debt Advisory at CreditSquare. If you want to know more, don’t hesitate to contact CreditSquare. leading experts in advising, structuring and arranging credit soultions for established small and medium sized businesses.





Top 10 Weekend Business Ideas with Little to No Startup Costs #small

#weekend business ideas

#

Tour Guide

Those lucky enough to live in a tourist hotspot could start a business as a weekend tour guide. Walking tours are all the rage, and lend themselves to unique themes. Bike around historic districts, and learn the hidden stories in cobbled streets and family businesses. But before you start collecting fees, talk to your city tourism department about leading tours. No doubt they’d be happy to give you permission to promote tourism in the area, and may even help you plan lucrative routes. Once you’ve become established, consider compiling your expertise into podcasts or guidebooks, or even investing your profits in a fleet of Segways. Segway tours typically charge $60 or more per person.

Farmer’s Markets

Demand for local food is in full swing. Take advantage of the local food craze by starting a business selling at farmer’s markets. Visit your local farmer’s market and talk to the Market Master: she can tell you what’s overdone (tomatoes) and what’s in demand (honey, perhaps). Spend a few hours during the week preparing your wares, and sell all day on Saturday, Sunday or both. This business idea can require some advance work, but the benefits are rich. Build relationships with customers and bring them pleasure with your crisp green beans or heavenly baked goods. This piece on Ideas for Rural Businesses here on Bright Hub can get you started. For the skinny on selling on Farmer’s Markets, see my other article called How to Sell at Farmer’s Markets .

Want to start a small weekend business that you can run out of your home, investing as much – or as little – time and money as possible? Check out these weekend business ideas.

Freelance Writer

Everyone is an expert at something. If you’re a good writer, translate your passion into a weekend business by writing freelance content for websites, travel agencies, entrepreneurs and more. Develop a specialty, like writing business plans or How-To guides, and network with local businesses and organizations to provide high-quality copy. If there’s not much in your area, search Craiglist and other sites that list online freelance writing jobs. Freelance writers can work from home and set their own hours, but it’s up to you to market your skills and keep up a steady stream of work. Beginning pay is low until you build up a quality portfolio of work.

Teach DIY Skills

Handy with a power saw? There’s a DIY novice who would pay to learn your skill. Demand is especially high around all those independent women who would love to learn how to fix their own leaky faucets without calling their dad. See if you can rent a woodwork classroom at a school or community college, or set up more informal classes in your own garage. Organize workshops around themes: putting up shelves and pictures, plumbing problems, and painting tips. DIY classes can be a satisfying weekend business idea.

Home Staging

Weekend entrepreneurs with a flair for interior design can start a business as a professional home stager. Every real estate agent has ’em: those undeniably ugly houses with screaming pink walls, hairy rugs and retro furniture straight out of the ’70s. Talk to your local real estate companies about hiring yourself out as a weekend home stager. Paint the walls a neutral color, tear down those hideous drapes, and improve the look of the home. Network with furniture stores to rent tasteful living room ensembles, and display their logo in return. This could be a time-consuming business, but getting those unsellable homes out of the real estate agent’s hands can lead to rich rewards. A commission of $800 to $1000 is reasonable.

Weekend Musician/DJ

Avid guitarist or drummer? Always current with the hottest musical trends? Starting a weekend business as a musician or DJ might be right for you. Local bars are always looking for live talent, especially if you charge a low fee or tips only to get your foot in the door. DJs are needed for weddings and middle school dances. Including setup and tear-down, gigs usually run anywhere from three to seven hours for a night.

Green House Cleaning

Many household cleansers contain toxic ingredients. These ingredients leach into the environment and contaminate the water we drink. Moreover, their harsh chemicals can spark allergic reactions in children and adults alike. There’s new interest in cleaning households with green products, ranging from baking soda and vinegar to commercially sold cleansers food in natural food stores like Whole Foods. Why not start a weekend business as a green house cleaning service? Market your business to an upscale clientele who will pay for the coveted “organic” label. What’s more, they’ll boast to their friends about their green credentials, and those referrals will boost your profit margin. If you’re into the green movement but not into doing other people’s dirty work, check out this article for more green business ideas .





40 Small Business Ideas with low investment #best #business #loans

#small business idea

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40 Small Business Ideas with low investment

Business Ideas – Today we find several young dynamic individuals who are aspire to start small business and they are always looking for business ideas with low investment. In order to help them we are herewith 40 small business ideas with low investment. If you are doing job and looking for part time opportunity to make more money you may go through our one of the most visited article best business ideas for making more money .

Business Ideas

1. Personalized Custom made Gift Store – Today we find demand of personalized custom made gift is increasing you may think of starting your own gift store providing this type of gifts.

2. Gym or Fitness center – In today’s world everyone is bother about fitness, so starting small gym or fitness center in good area will always rock.

3. Event Organizer – Starting small company which organize event could be good idea but here you may need special expertise and manpower for the same.

4.Interior Designer – Everyone today want services from interior decorator, so starting interior designer business could be best deal but remember here you may need special skills.

5. Small Grocery Shop Starting small grocery shop is another good idea here you do not require any special skill and you may start from small shop and gradually expand as per need.

6. Match Making or Wedding planner – It is said that marriages are made in haven but celebrated on earth So in order to celebrate/enjoy marriage many people today go for wedding planner. In today’s scenario match making or wedding planner is good business option to start with.

7. Tuition Class Education is essential today hence business of education will never stop. Starting Tuition class is good idea to start with.

8. Mobile Shop – Today everyone use mobile and looking at need mobile demand is ever increasing hence starting small mobile shop is good Investment idea.

9. Ice-cream Parlor Starting ice cream parlor is another good business idea to start with.

10. Xerox Book Binding – Many college area and school area don’t have this facility and could be good potential business in that area.

11. Mobile Food Shop – Today we are living in mobile generation starting mobile food shop is very good business idea.

12. Jewelry maker With increasing gold price demand of jewelry is ever increasing doing course of jewelry making and starting something in that line could be good option.

13. Insurance Consultant Starting small insurance consultancy or taking insurance agency is another good business idea.

14. Freelancer – If you are good at programming there are multiple websites available which can give you freelancing work and you will be paid for the same.

15. Book Store – Book lover always purchase multiple books making idea of starting book store attractive.

16. Catering service – For marriage and party people always look for good catering service if you are good at providing good food and catering service this could be another good business idea.

17. Computer Trainer If you are good at providing computer training this could be good business idea as knowing computer is must in today’s world.

18. Yoga Center – In today’s stressful life many people prefer to go for Yoga. so starting yoga center will be good business option.

19. Baby Sitting Services – This business idea is specifically for woman who want to start some home based business. Many working couple may be in need to service like this.

20. Real Estate Consultant – Real estate is ever growing business so starting consultancy for providing guidance about real estate and buy, sell and rent option is good business option.

21. Game Parlor Todays generation likes play station game station very much hence starting game parlor with certain unique game is best business idea.

22. Photographer – If you are good at photography you can start photography business with low cost investment.

23. Motivational Speaker If you have skill you can become motivational speaker and turn this in to good business opportunity.

24. Travel Agency – Starting travel agency is good business opportunity with low investment.

25. Computer Shop – If you have IT related knowledge than starting computer shop for sealing IT related item or computer is good business opportunity.

26. Relaxation Center In today’s stressful life relaxation is must and people always look for option of recreation center or relaxation center hence starting relaxation center is good business option.

27. Courier Company You can do tie-up with existing Courier Company and start small business or maybe you can opt to start your own courier company.

28. Resale Auto Dealer – Many people has requirement of sealing old car or bike you may opt to become good auto dealer.

29. Recruitment Firm – Today job is prime requirement for anyone and people usually opt for recruitment firm to get good job. Starting recruitment firm could be good business option for you.

30. Security or Spy Agency – With growing security need you can start your own security agency another good option is to work as spy.

31. Advertisement Agency – Starting Advertisement agency is one of the ever green business opportunity which can earn you big money.

32. Web Designing hosting- If you have knowledge about various IT tools and programming language you can opt for career as web designer firm.

33. Starting online Blog If you are good at content generation and had good knowledge about any field you can start your online blog and earn good money.

34. Antique Article Shop Today many people believe that keeping antique statues and article at home is fashion symbol, so Opening Antique article shop is good business option as

35. Fast Food Parlor – Today’s generation mostly eat fast food, starting fast food parlor could be another business option.

36. Data Entry services – Many companies today earn money by doing data entry work you may start providing service like this.

37. Resume Writer – If you are good at designing resume and had deep knowledge you can become resume writer.

38. SEO Consultant – Search Engine optimization consultant is required by mostly all websites. If you can build up capability you can become good SEO consultant.

39. Dairy Sweet Parlor – You can think of starting small dairy parlor in your area serving need of dairy products and sweets.

40. Packers Movers – You can think of starting business of packing and forwarding which can turn in to good business opportunity.

Readers, what is your opinion about these investment ideas with small investment? Do share your feedback in comment section.

40 Small Business Ideas with low investment





How to Write a Business Profile: 10 Steps (with Pictures) #free #business

#business profile

#

How to Write a Business Profile

A business profile is like a résumé for your company. It lists basic company details and gives you a chance to highlight your strengths. Just like a résumé, you should write each business profile with a purpose in mind. Use it as an opportunity to briefly state why potential clients should work with you, but give thorough and precise details.

Steps Edit

Part One of Two:
Getting Down Company Information Edit

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Talk about your company’s ideas. If you have a mission statement, put it here. Otherwise, write out your company vision, guiding ethos, and a little about your history. Telling who you are and what drives you gives your company a human element. It also gives you a chance to do some subtle advertising early on.

  • This is a place you can afford to be a little vague. Mission statements are legally necessary for some businesses, and may need to be specific. For everyone else, try to state what you do without limiting yourself. You don’t want to scare away potential business that thinks you wouldn’t consider expanding into adjacent industries. But it is easy to overdo vague language.
  • A bad example: “XYZ Semantics is a company driven by the pursuit of its dreams. We want to bring you with us on this journey. Our dedication to solutions and innovation make us the leading marketing consultants west of the Mississippi.”
  • A good example: “XYZ Semantics is seasoned and talented team of marketing consultants. Since 1975 we have helped our clients grow their business and profits. Though our methods are complex, our goal is simple: we want to help you sell your product to more customers.”

Find out more specific details. Check with your secretarial or human resource staff to find out up-to-date details in several areas. You may not need to use all these, but having them on hand will make it easier when you sit down to craft the profile. Set up a way to streamline this process in the future, as you will want to update this information in your profile regularly.

  • Number of employees
  • Turnover. Low turnover can indicate stability, but either way it’s a good statistic to have on-hand.
  • List of all business activities. What are all the areas you work in?
  • Unique equipment or specialties. If you are the only company that produces, say, a rare machine part, you need to mention that.
  • Certifications
  • Imports/exports
  • Your methodology and/or what software you use.
  • Volume of output you can handle. Prospective clients need to know if you are prepared to meet their needs.
  • Delivery stats. How many units do you ship in a given period?
  • Major accounts or clients. This is a way to show prospective clients whether or not you are used to doing business with companies like theirs. It’s also another chance for subtle advertising.

Sift through all this information. Since you want to keep the profile short, you can’t include every possible detail. Also, not all of them might be strengths. Pick out what might be relevant to include in your profile in various contexts. Keep the other information on hand for future reference, but put the important stuff in one place for easy access.





Own Your Own Direct Selling Company With K – B Small Business

#small business ideas for women

#

Explore one of the best business ideas for women

In Kaeser & Blair, I not only found a lifelong business partner, but I discovered one of the best small business ideas around!

I looked at a lot of business ideas for women, but none of them were appealing to me. Kaeser & Blair offers you the ability to make a substantial income while owning your own business and selling awesome products. What could be better than that?

The best small business ideas can be found with Kaeser & Blair

Many companies – direct sale companies in particular – promote themselves as being good business ideas for women. They may offer the ability to sell products that women typically enjoy selling, or offer flexibility and freedom that allow women to work around a hectic schedule or diverse set of priorities. Many of these small business ideas sound great, but just don’t deliver on their promises.

Kaeser & Blair business owners
discuss how to make extra money.

Kaeser & Blair is different. K
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Expert Interview with Noah Wieder on the benefits of owning an ATM

#atm business

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Expert Interview with Noah Wieder on the benefits of owning an ATM

Cash is still king in plenty of places, which is why ATMs are more popular than ever, says Noah C. Wieder, CEO of ATM Depot .

ATM users prefer to pay with cash to avoid credit card debt and interest charges, and merchants also prefer cash users; so having an ATM nearby helps them lower their credit card processing fees.

“So it’s a win-win for merchants who either own and operate their own ATM or who contract with an IAD to operate one for them,” he adds.

Noah recently checked in to tell us about the benefits of investing in an ATM machine and give us a crash course on becoming an independent ATM deployer. Here’s what he had to say:

Tell us the story behind ATM Depot. What’s on your site? Who should be reading it?

ATM Depot caters to individuals, investors, entrepreneurs and independent ATM deployers (IAD’s) looking for a flexible, friendly, experienced and honest ATM company. We believe in transparency in an industry where we see a lot of secrets and scams .

Who can invest in an ATM machine?

Literally, anyone can invest in an ATM. Retailers; commercial landlords; city governments looking to increase revenues at parks, museums and other public places; entrepreneurs; and anyone who can count money.

The cost to enter the ATM business is amazingly low. Many ATM models can be purchased for under $2,500 including shipping. The cost of not working with an experienced ATM company is the expensive part. The cost of learning from mistakes can get expensive.

A better question is who can operate an ATM. Most investors and entrepreneurs can invest or operate an ATM business unless they have a felony criminal record or have been involved in any type of financial crime.

What are the benefits of investing in and managing ATM machines?

It’s very similar to most passive income business models. Benefits include:

  • Working your own hours
  • Excellent annual returns (even on locations that only have three or four users per day)
  • Minimal investment, relatively low risk
  • Getting to meet and work with great people
  • No more trading time for money
  • Great ROI

What considerations should someone who’s interested in investing in an ATM machine make before purchasing one?

They should read everything they can about the business. A couple of links to some of the papers I’ve authored:

Of course, I recommend my book, The Amazing Money Machine, where I explain the entire business from start to finish. ATMdepot.com also offers serious investors a private members’ area where they can get proprietary information, forms and videos that are reserved for our IADs.

Get a handle on your cash with Mint.com .

What are the disadvantages and/or risks associated with these machines?

As with any business, the biggest risk is loss of capital; however, with the ATM business that risk is minimized since the biggest investment is the ATM hardware, which is an asset that can always be moved to a new location.

Another risk is vandalism and/or theft, but inexpensive insurance is available; and in my 20+ years in the business we’ve experienced very few of those issues (but they can occur).

Machines do need to be serviced and cleaned regularly to make sure they remain in the best working order. While not usually an issue, there can be cash jams, printer jams, communication problems or electrical surges that can bring the ATM offline (a good surge protector is key).

ATMDepot.com offers toll free 24/7 tech support and most issues can be resolved over the phone, but if an ATM investor owner-operator needs more help, a field service call can be arranged quickly.

Where are the best locations for ATM machines?

This is a big question and also varies by geography.

While everyone knows that convenience stores, casinos, supermarkets and adult retailers are great locations, they are difficult to obtain.

The best locations are high traffic places where people need cash, like stores that don’t accept credit cards or where a bank might be several blocks away.

My book has an entire in-depth chapter dedicated to this topic. A good ATM company can help their IADs evaluate locations using a variety of tools including Google Maps (satellite view) to help access the area, Zillow or SearchBug Tools to hone in on certain neighborhoods and geographic characteristics to further evaluate the potential of a location.

Where do we go to purchase an ATM machine?

ATMs can be purchased from several different ATM companies; it’s important to compare features and models carefully. New laws and compliance requirements are forcing existing ATM operators to upgrade machines, and some non-compliant machines that should be recycled are showing up for sale on websites. Some machines are non-ADA compliant, some ATMs have old software and hardware that cannot be upgraded; so it’s important to purchase ATM machines from reputable firms with the most updated information on what ATM models are outdated.

I wrote an eBay guide about the five questions to ask before buying an ATM since I saw so many scams on eBay for used machines.

How are the machines stocked? Who handles stocking them?

There are several ways to load an ATM. It’s as easy as loading a napkin holder.

The person loading the ATM is called the vaulter. Vaulters could be the ATM owner, a professional independent cash vaulter, an armored car service, or a trusted third party. The important thing to remember is that if the vaulter is not consistent and lets the machine run out of cash, then the ATM owner and the store lose money and customers get upset. So vaulting is a very important component of the business.

The most costly vaulter is an armored car and a cash management service, but it’s also the most reliable. So for a very busy machine, this can be beneficial; but the ATM also requires a significant lock upgrade for armored car auditing.

The additional lock can increase the cost of the ATM by $600 to $650, which can be significant on a $2,500 machine. The least expensive solution is to have the location be the vaulter and share the revenue or pay a set per transaction fee.

What types of machine models are available?

We currently like the Hyosung and Genmega ATMs as they are fairly priced and very reliable. There are many different models, many of which suited to different applications. It’s best to work with someone from our office once a location is selected.

Recommendations can then be made based on available space, traffic estimates, cash needs, visibility, and indoor/outdoor or freestanding/through-the-wall models.

There are many questions that should be asked and answered before a specific machine is ordered by an investor. Preservation of capital, ROI, and profit potential should all be considered.





Sell My Business For Free – Easily Sell A Business Online With

#sell my business

#

Sell Your Business. Free

Business agents take a hefty slice of your sale price as a commission fee. With Bizdaq you cut out the business transfer agent.

You’re in control all the way. You can send and respond to messages, arrange viewings at your convenience, negotiate offers and drive your sale towards completion. Imagine selling your business in double-quick time online for a great price, at the same time saving more than £11,000 – it’s all possible with Bizdaq.

“The last time I sold my business it cost me over £10,000. Using Bizdaq means I have an extra £10,000 in my pocket!”

Here’s How Bizdaq Helps Small Business Owners
Achieve a Fast Sale Get a Better Price

Completely Free To Sell Your Business

We built Bizdaq to remove the hefty cost of selling or buying a business in the UK. Our incredible platform is free to use from start to finish!

Fast Selling Process

You are instantly notified of any activity on your sale including viewing requests, messages and offers.

What do I need to know about selling my business?

Just because you run a successful business, doesn’t mean you know everything about how to sell one, right? This is why we’ve put together a comprehensive resource bank of advice and information to guide you through every step of the process, from planning your exit strategy to negotiating a sale. Tap into our expertise in our Knowledge section.

Our team have over 30 years experience helping small business owners sell, while maximising the value of their business, so we’re well positioned to help! You can benefit from our experience at every step of your sale with our comprehensive guides that simplify the process of selling a business. We truly believe that with our guides, any small business owner can sell their business on Bizdaq and save thousands on agents fees.

Our Expert Selling Guides

  • How to prepare your small business for sale
  • Top 5 financial details that your buyer will want to see
  • How long will it take to sell my business?
  • Three tips for a fast business sale
  • The definitive guide to selling your small business

Selling My Business Frequently Asked Questions

1. How can Bizdaq be FREE?

Bizdaq was built by a team of entrepreneurs who know how expensive and challenging it can be to sell a business. We wanted to provide somewhere for business owners to sell a business without the cost or hassle of traditional options. It’s free for sellers and free for buyers, no strings whatsoever!

2. Do I have to be a certain size of business to use Bizdaq?

Any micro to small and medium sized business owner can sell their business on Bizdaq. We generally recommend that any business in the UK with a valuation of between £5,000 and £2 million would benefit from selling with Bizdaq.

3. How long will it take to sell my business?

Typically it takes between 6 and 12 months to sell a business from putting the business on the market to completing the sale. Although with the right preparation you can achieve your sale in a shorter time frame – at Bizdaq we’ve sold businesses in as little as three weeks. We generally recommend that you price your business right, prepare your key document with your accountant as soon as you put your business live and generally look to present your business in it’s best light. If you’re unsure of how to price your business view our guide here or get an instant valuation of your business using our valuation guide tool here.





Line2 for Business: phone service with toll-free numbers, VOIP & PBX #business

#business phone service

#

Mobilize your phone system.

If you are looking for a phone system that will allow you to have customer local business numbers and fully integrate with your mobile device, then look no further than Line2.”

– Ben G. FreshySites

As an executive recruiter, I’m on the phone 80% of the time and with Line2, I am able to manage all my contacts with my candidates may it be a call or a text. Nothing comes close.”

– Thess C. Response Companies

Upgrade your image.

Give your business a dedicated number with service
that scales with your team.

Save money.
Easy.

Get a professional VoIP phone service up and running in seconds, with an affordable monthly package designed for your growing business.

Call Screening

Set up customized handling for different callers. Have VIPs forwarded directly to you while unknown callers are sent straight to voicemail.

Customized Greetings

Project the right image. Personalize greetings for different callers: Contacts, VIPs or Unknown. Record your own or opt for professional voice talent, for an additional fee.

Easy Call Blocking

Say goodbye for good. Add unwanted callers to your blocked list and never be hassled again.

Enhanced Voicemail

Easily access and manage your voicemail from your phone, tablet, and laptop. Also, have your voicemails forwarded to email.

Customer Support

Need help? We’re here when you need it, seven days a week.

Call Forwarding

Really need to ensure a call is answered? Set calls to forward to multiple numbers—they’ll all ring at once.

Line2 is a cloud phone service that adds a second line to your mobile phones, tablets and computers with the simplicity of an app. For individuals, it’s an easy way to keep work calls and messages separate from personal ones. For small businesses, it’s a complete VoIP phone service that uses the mobile devices you and your team already have. For everyone, Line2 is easy to set up, manage and use, with affordable monthly plans that won’t hold you back. No contracts to sign. No hardware to buy. No set-up or cancellation fees.

2016 Line2, Inc. All Rights Reserved. The Line2 and Toktumi name, associated trademarks and logos and Tilted Two Logo are trademarks of Line2, Inc.





Price Volume – Stocks with the highest price volume ratio #free #business

#stock prices

#

US Exchanges Price Volume Leaders Fri, Sep 2nd, 2016

Filter:

US Exchanges

  • US Exchangest
  • –By Market Cap–
  • Large Cap
  • Mid Cap
  • Small Cap
  • Micro Cap
  • –By Price–
  • Price $10
  • Price $10
  • –By Exchange–
  • NYSE
  • AMEX
  • Nasdaq
  • ETFs
  • OTC/BB
  • Pink Sheets
  • Toronto (TSX)
  • Toronto Venture
  • London (LSE)
  • Australia (ASX)

Volume’,’Price Volume: The price multiplied by the volume represented in 1000’s.’,’int’,’right’,’asc’]=2886959.313,2146646.145,1915747.91135,1734880.075,1685000.616,1615897.504,1540889.28,1531264.389,1487701.16955,1396339.882,1329536.611,1215307.252,1181122.382,1089922.68867,1075615.126,1009727.029,926003.36149,866540.94954,827390.85,780789.555,774104.185,701982,700465.983,692783.852,688982.875,665902.716,651063.546,641171.145,620647.032,612282.79,611536.926,603495.728,586010.25,577921.395,561518.477,556354.17,550969.7,525480.6,508140.114,505092.328,501932.80077,479479.336,471989.052,459847.875,449638.93981,423212.622,418052.234,417104.30984,413524.17,411228.029,410104.464,403059.015,402258.462,400739.43,397476.048,395990.77,394991.883,394070.794,391867.509,389189.304,388781.075,385837.6,380360.31,379204.623,375632.4,373669.68,372050.20875,369406.115,363179.432,359380.401,353766.726,348119.16816,346073.562,345448.103,345195.144,345081.96,344278.305,340355.904,332530.243,331295.076,328690.136,327922.231,326552.544,319592.52,319427.056,317627.592,315363.984,314779.311,303944.66,303530.7,303393.138,303042.605,295625.132,294163.116,294019.488,291055.072,291032.04,290356.464,290143.532,289944.2,289303.616,287983.777,287817.684,284783.343,279458.738,279341.808,269060.904,268844.95,268037.331,267175.624,266829.255,264701.255,263725.92,263448.75,263330.126,262936.884,260579.97,259660.08,258699.176,255107.008,254650.24,251812.236,251478.43,249355.062,249093.712,248198.888,244397.16,243581,242150.925,241957.664,239917.899,238806.32182,238622.7,238488.39,238440.174,229417.98,229214.967,226033.766,224674.95,223269.557,223041.069,222072.224,219878.478,218232.168,215516.086,214332.936,213002.592,210434.718,210015.978,209648.493,208847.646,207903.744,206858.971,204356.656,204149.004,203828.142,203493.579,201096.757,200429.74,200220.088,200083.317,199687.824,198885.584,198303.105,197488.557,196113.965,195493.635,194918.415,194044.1,191249.424,190778.376,190688.316,190533.624,188845.784,188302.656,187406.9,186163.704,185192.55,184775.82,184154.912,184017.616,182899.854,182317.528,181945.08,178058.57,178057.544,176522.892,176302.828,175381.884,174296.896,174084.36,173779.032,173554.71,173537.208,173286.752,172515.47691,172334.253,171797.71913,170947.765,170701.19;” data-pageSize=”100″ data-perfLinks=”N%3B”>





Financing a business acquisition with debt #business #directories

#business acquisition loan

#

Financing a business acquisition with debt

If you want to acquire a business but do not have the necessary funds to do so, you might want to consider raising debt against the target company to bridge the funding gap.

This idea might seem counterintuitive at the outset, but is very similar to the process of obtaining a mortgage to purchase a house. Just as a mortgage is secured against the purchased property, acquisition debt can be secured against the underlying assets of the business.

However, unlike a home, a business can generate positive cash flows that can be used to service interest costs and amortisation. By raising debt this way, the equity portion of a transaction can decrease to as little as 10-30%.

Of course, raising debt carries a level of risk. If the company suffers from financial distress and is unable to meet scheduled interest payments to debtors, the company might be forced into technical default or even liquidation.

Therefore, a transaction should be structured so that it is appropriate for the business and fits the risk appetite of the incoming owners:

The Capital Structure

A leveraged company acquisition (where the buyer uses debt in addition to cash to buy a business) is normally funded with a finance package comprising multiple elements of debt. The capital structure may include (in increasing order of seniority):

• Vendor loan (also called deferred consideration) – A debt instrument issued by the seller, where a portion of the transaction value is paid to the seller over time. This is often used to bridge a valuation gap between a buyer and seller. Terms vary

• Subordinated loan – A loan that sits behind other debt in the capital structure, meaning that interest and principal payments of other loans take priority. This form of debt is often provided by specialised subordinated lenders such as credit funds. The loan carries a higher cost of capital because of the associated risks of being junior to other debt (

10-15% interest costs)

• Senior term loan – A cash flow loan that is paid back over time, sometimes with a larger ‘bullet’ repayment at the end. Normally offered by commercial banks, finance companies, insurance companies, and investment funds. The cost of capital ranges between 4% and 8%

• Asset Based loan – A revolving line of credit secured against receivables and stock. Provided by lenders that specialise in Asset Based Lending (ABL). The cost of capital is between 4% and 8%, reflecting the high level of collateral.

Management acquisitions: MBOs, MBIs, and BIMBOs

MBOs, MBIs and BIMBOs are business acquisitions normally funded with leveraged finance.

Management buyout (MBO), Management buy-in (MBI), and Buy-in management buyout (BIMBO) refer to different processes where a management team acquires a significant stake in a company from the private owners. In an MBO the current management of the business buys out the owners, in an MBI a management team from outside the business takes control of the company, and a BIMBO is a combination of the two.

Management acquisitions are appealing to management teams because of the increased potential rewards from being owners of the business rather than employees. Their potential rewards are enhanced further by the fact that the team normally have a thorough understanding of the business they want to acquire.

Management acquisitions are also attractive to the seller. Because the management team already has full knowledge of the company available to them, certain stages of the transaction process, e.g. due diligence. can be expedited.

Thus, in the right situation, these three types of company acquisitions can drive substantial value for the buyer as well as the seller.

As you can see, there are many different ways to structure a debt driven company acquisition. Having an understanding of what types of finance are available to you, as well as the most appropriate capital structure gives you the tools to optimise your use of capital and maximise your chances of successfully acquiring a business.

This article was contributed by Dan Barrett, Director of the Corporate Debt Advisory at CreditSquare. If you want to know more, don’t hesitate to contact CreditSquare. leading experts in advising, structuring and arranging credit soultions for established small and medium sized businesses.





How to Write a Business Profile: 10 Steps (with Pictures) #business #franchise

#business profile

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How to Write a Business Profile

A business profile is like a résumé for your company. It lists basic company details and gives you a chance to highlight your strengths. Just like a résumé, you should write each business profile with a purpose in mind. Use it as an opportunity to briefly state why potential clients should work with you, but give thorough and precise details.

Steps Edit

Part One of Two:
Getting Down Company Information Edit

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Talk about your company’s ideas. If you have a mission statement, put it here. Otherwise, write out your company vision, guiding ethos, and a little about your history. Telling who you are and what drives you gives your company a human element. It also gives you a chance to do some subtle advertising early on.

  • This is a place you can afford to be a little vague. Mission statements are legally necessary for some businesses, and may need to be specific. For everyone else, try to state what you do without limiting yourself. You don’t want to scare away potential business that thinks you wouldn’t consider expanding into adjacent industries. But it is easy to overdo vague language.
  • A bad example: “XYZ Semantics is a company driven by the pursuit of its dreams. We want to bring you with us on this journey. Our dedication to solutions and innovation make us the leading marketing consultants west of the Mississippi.”
  • A good example: “XYZ Semantics is seasoned and talented team of marketing consultants. Since 1975 we have helped our clients grow their business and profits. Though our methods are complex, our goal is simple: we want to help you sell your product to more customers.”

Find out more specific details. Check with your secretarial or human resource staff to find out up-to-date details in several areas. You may not need to use all these, but having them on hand will make it easier when you sit down to craft the profile. Set up a way to streamline this process in the future, as you will want to update this information in your profile regularly.

  • Number of employees
  • Turnover. Low turnover can indicate stability, but either way it’s a good statistic to have on-hand.
  • List of all business activities. What are all the areas you work in?
  • Unique equipment or specialties. If you are the only company that produces, say, a rare machine part, you need to mention that.
  • Certifications
  • Imports/exports
  • Your methodology and/or what software you use.
  • Volume of output you can handle. Prospective clients need to know if you are prepared to meet their needs.
  • Delivery stats. How many units do you ship in a given period?
  • Major accounts or clients. This is a way to show prospective clients whether or not you are used to doing business with companies like theirs. It’s also another chance for subtle advertising.

Sift through all this information. Since you want to keep the profile short, you can’t include every possible detail. Also, not all of them might be strengths. Pick out what might be relevant to include in your profile in various contexts. Keep the other information on hand for future reference, but put the important stuff in one place for easy access.





Expert Interview with Noah Wieder on the benefits of owning an ATM

#atm business

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Expert Interview with Noah Wieder on the benefits of owning an ATM

Cash is still king in plenty of places, which is why ATMs are more popular than ever, says Noah C. Wieder, CEO of ATM Depot .

ATM users prefer to pay with cash to avoid credit card debt and interest charges, and merchants also prefer cash users; so having an ATM nearby helps them lower their credit card processing fees.

“So it’s a win-win for merchants who either own and operate their own ATM or who contract with an IAD to operate one for them,” he adds.

Noah recently checked in to tell us about the benefits of investing in an ATM machine and give us a crash course on becoming an independent ATM deployer. Here’s what he had to say:

Tell us the story behind ATM Depot. What’s on your site? Who should be reading it?

ATM Depot caters to individuals, investors, entrepreneurs and independent ATM deployers (IAD’s) looking for a flexible, friendly, experienced and honest ATM company. We believe in transparency in an industry where we see a lot of secrets and scams .

Who can invest in an ATM machine?

Literally, anyone can invest in an ATM. Retailers; commercial landlords; city governments looking to increase revenues at parks, museums and other public places; entrepreneurs; and anyone who can count money.

The cost to enter the ATM business is amazingly low. Many ATM models can be purchased for under $2,500 including shipping. The cost of not working with an experienced ATM company is the expensive part. The cost of learning from mistakes can get expensive.

A better question is who can operate an ATM. Most investors and entrepreneurs can invest or operate an ATM business unless they have a felony criminal record or have been involved in any type of financial crime.

What are the benefits of investing in and managing ATM machines?

It’s very similar to most passive income business models. Benefits include:

  • Working your own hours
  • Excellent annual returns (even on locations that only have three or four users per day)
  • Minimal investment, relatively low risk
  • Getting to meet and work with great people
  • No more trading time for money
  • Great ROI

What considerations should someone who’s interested in investing in an ATM machine make before purchasing one?

They should read everything they can about the business. A couple of links to some of the papers I’ve authored:

Of course, I recommend my book, The Amazing Money Machine, where I explain the entire business from start to finish. ATMdepot.com also offers serious investors a private members’ area where they can get proprietary information, forms and videos that are reserved for our IADs.

Get a handle on your cash with Mint.com .

What are the disadvantages and/or risks associated with these machines?

As with any business, the biggest risk is loss of capital; however, with the ATM business that risk is minimized since the biggest investment is the ATM hardware, which is an asset that can always be moved to a new location.

Another risk is vandalism and/or theft, but inexpensive insurance is available; and in my 20+ years in the business we’ve experienced very few of those issues (but they can occur).

Machines do need to be serviced and cleaned regularly to make sure they remain in the best working order. While not usually an issue, there can be cash jams, printer jams, communication problems or electrical surges that can bring the ATM offline (a good surge protector is key).

ATMDepot.com offers toll free 24/7 tech support and most issues can be resolved over the phone, but if an ATM investor owner-operator needs more help, a field service call can be arranged quickly.

Where are the best locations for ATM machines?

This is a big question and also varies by geography.

While everyone knows that convenience stores, casinos, supermarkets and adult retailers are great locations, they are difficult to obtain.

The best locations are high traffic places where people need cash, like stores that don’t accept credit cards or where a bank might be several blocks away.

My book has an entire in-depth chapter dedicated to this topic. A good ATM company can help their IADs evaluate locations using a variety of tools including Google Maps (satellite view) to help access the area, Zillow or SearchBug Tools to hone in on certain neighborhoods and geographic characteristics to further evaluate the potential of a location.

Where do we go to purchase an ATM machine?

ATMs can be purchased from several different ATM companies; it’s important to compare features and models carefully. New laws and compliance requirements are forcing existing ATM operators to upgrade machines, and some non-compliant machines that should be recycled are showing up for sale on websites. Some machines are non-ADA compliant, some ATMs have old software and hardware that cannot be upgraded; so it’s important to purchase ATM machines from reputable firms with the most updated information on what ATM models are outdated.

I wrote an eBay guide about the five questions to ask before buying an ATM since I saw so many scams on eBay for used machines.

How are the machines stocked? Who handles stocking them?

There are several ways to load an ATM. It’s as easy as loading a napkin holder.

The person loading the ATM is called the vaulter. Vaulters could be the ATM owner, a professional independent cash vaulter, an armored car service, or a trusted third party. The important thing to remember is that if the vaulter is not consistent and lets the machine run out of cash, then the ATM owner and the store lose money and customers get upset. So vaulting is a very important component of the business.

The most costly vaulter is an armored car and a cash management service, but it’s also the most reliable. So for a very busy machine, this can be beneficial; but the ATM also requires a significant lock upgrade for armored car auditing.

The additional lock can increase the cost of the ATM by $600 to $650, which can be significant on a $2,500 machine. The least expensive solution is to have the location be the vaulter and share the revenue or pay a set per transaction fee.

What types of machine models are available?

We currently like the Hyosung and Genmega ATMs as they are fairly priced and very reliable. There are many different models, many of which suited to different applications. It’s best to work with someone from our office once a location is selected.

Recommendations can then be made based on available space, traffic estimates, cash needs, visibility, and indoor/outdoor or freestanding/through-the-wall models.

There are many questions that should be asked and answered before a specific machine is ordered by an investor. Preservation of capital, ROI, and profit potential should all be considered.





Business Administration Salary #what #can #you #do #with #business #management #degree


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Business Administration Salary and Job Outlook

Source: U.S. Bureau of Labor Statistics 2016-17 Occupational Outlook Handbook

*The salary information listed is based on a national average, unless noted. Actual salaries may vary greatly based on specialization within the field, location, years of experience and a variety of other factors. National long-term projections of employment growth may not reflect local and/or short-term economic or job conditions, and do not guarantee actual job growth.

What is my earning potential?

It is difficult to know what to expect from a business administration salary, as the discipline opens up many possible career paths, each with varying levels of supply and demand.

As with almost all careers, the higher degree you hold, the higher your salary: A bachelor s degree in business administration can add $2,000 to $5,000 or more per year in earning potential, while an MBA can add yet another $7,000 to $11,000, though many MBAs start out in higher-level management jobs with more responsibility, and consequently earn a larger salary that may include a bonus package.

Is there demand for this career?

According to the U.S. Bureau of Labor Statistics, the demand for business administrators is expected to grow about as fast as average for all occupations. However, job growth will vary by the area of business administration in which you choose to specialize.

What is the job growth for the field?

Take a look at how some of the business administration occupations compare as far as job growth:

Job Outlook Comparison Through 2024

  • Sales Management—5 percent, slower than average
  • Finance Management—7 percent, as fast as average
  • Human Resources Management—9 percent, slightly faster than average
  • Food Service Management—5 percent, slower than average
  • Health Care Administration—17 percent, much faster than average
  • Marketing Management—9 percent, slightly faster than average

Source: U.S. Bureau of Labor Statistics 2016-17 Occupational Outlook Handbook

How much competition will I face for a job?

The job market for those in business has become increasingly competitive, and what once worked for job-seekers now requires more education and credentials. For example, an MBA was once a near-guarantee for a great career in business administration. Employers are now seeking candidates with a DBA and certifications as business becomes more global and fast-paced. Technology plays a big factor in business, so the more knowledge and experience you have with computers and software, the better you may fare when it comes time to find a job.

What kinds of companies hire business administrators?

Here are the most common places where business administration professionals can be found according to the BLS:

Sales Managers
Management of Companies and Enterprises—31,720
Car Dealers—25,000
Wholesale Electronic Markets—15,890
Computer Systems Design—12,200
Department Stores—11,260

Financial Managers
Depository Credit Intermediation—79,020
Management of Companies—65,830
Accounting, Tax Prep, Bookkeeping and Payroll Services—23,000
Insurance Companies—18,870
Local Government—18,850

HR Management
Management of Companies—18,200
Local Government—7,790
Hospitals—4,510
Employment Services—4,390
Computer Systems Design—3,470

Marketing Management
Management of Companies—33,330
Computer Systems Design—10,870
Management, Scientific and Technical Consulting—10,460
Insurance Companies—5,600
Advertising and Public Relations—4,590

How do I advance in my business administration career?

The ability to spot trends and patterns and to conduct business within a code of ethics would at one time have taken you far. But with the world becoming smaller thanks to technological advances, business administration is more complicated and complex than ever.

While you might be able to find an entry-level job—such as office administrator—with an associate s degree, you ll need to keep up with industry changes, and earn an advanced degree in order to climb the corporate ladder.

Earning at least an MBA could increase your career options and give you access to management and administrative roles, but earning a doctorate will open avenues in areas such as academia and research. If you want to be considered for that great promotion, you might want to think about one (or both) of these tips:

  • Learn a new language—business isn’t just confined to English-speaking countries. Places such as India and China are huge market opportunities.
  • Get computer savvy—take some IT and computer science classes, and learn the different software applications you’ll need to do your job better and faster.

Also, earning certification or licensure shows potential employers that you are a qualified and accomplished professional in your chosen career, and may play a role in employment decisions or promotions.


Equifax Free Trial #get #instant #access #to #your #credit #scores, #reports, #and


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Get your Equifax 3-Bureau Credit Scores with your FREE 7-day Trial

with purchase of Equifax Complete Premier

The easy, two-in-one way to stay on top of your credit information and help better protect your identity. Get your Equifax 3-Bureau credit scores with your free 7-day trial when you sign up for Equifax Complete Premier. Monitor your credit 1 and receive financial alerts to help better protect your identity.

Free for your 7-Day Trial, then $19.95 per month.
Feel free to cancel at any time; sorry, no partial month refunds. 2

What you need to know:

Equifax 3-Bureau credit scores are each based on the Equifax Credit Score model, but calculated using the information in your Equifax, Experian and TransUnion credit files. Third parties use many different types of credit scores and will not use the Equifax 3-Bureau credit scores to assess your creditworthiness.

Put the Equifax Power of 3 to Work for You

See your Equifax 3-Bureau Credit Scores as of.

Annual Equifax
3-Bureau Analysis

Get your 3-Bureau credit scores and credit profile annually.


  • Access to your
    Equifax Credit Score

    View your Equifax Credit Score anywhere, anytime.


  • Interactive Score Estimator 3

    See how financial decisions could affect your Equifax Credit Score.

    Annual Equifax 3-Bureau Analysis

    Get your 3-Bureau credit scores and credit profile annually.

    Access to your Equifax Credit Score

    View your Equifax Credit Score anywhere, anytime.

    Interactive Score Estimator 3

    See how financial decisions could affect your Equifax Credit Score.

    7 Day Free Trial Feel Free to Cancel Anytime

    Free for your 7-Day Trial, then $19.95 per month.
    Feel free to cancel at any time; sorry, no partial month refunds. 2

    Checking your own credit will NOT harm it.

    The Equifax Credit Score and 3-Bureau credit scores are based on the Equifax Credit Score model. Third parties use many
    different types of credit scores and will not use the Equifax Credit Score or 3-Bureau credit scores to assess your creditworthiness.

    Credit monitoring 1 and Identity Theft protection
    give you more confidence and greater peace of mind

    Lost Wallet Assistance

    If you lose your wallet, we’ll help you cancel and re-issue your cards and ID.


  • Financial Alerts

    Set up financial alerts for key changes or suspicious activity on your banking and credit card accounts.


  • Equifax Credit Score Trending

    Gives you a graphical view of your Equifax Credit Score over time.


  • Identity Theft Insurance 4

    Up to $1 million in ID theft insurance. Helps pay for certain out-of-pocket expenses in the event you are a victim of identity theft.

    The Equifax Credit Score is based on the Equifax Credit Score model. Third parties use many different types of credit scores and will not use the Equifax Credit Score to assess your creditworthiness.

    Equifax Complete Premier

    Free for your 7-Day Trial, then $19.95 per month. Cancel at any time; sorry, no partial month refunds. 2

    What is Credit Monitoring?

    Credit monitoring tracks your credit history in order to detect changes that have happened in your credit history or may help you detect suspicious activity. Having this type of access to your credit history will give you a way to help better protect your identity and monitor changes to your credit.

    Some credit monitoring products also allow you to set credit alerts that will notify you if the information in your credit file changes.
    Learn More

    What is a Credit Score?

    A credit score is a three-digit number, typically between 300 and 850, which is calculated based on information in your credit history. It is a simple, numeric expression of your creditworthiness. Although the three nationwide credit reporting bureaus (Equifax, Experian, and TransUnion) use similar methods to determine a credit score, the formulas they use are not exactly the same and your credit score may vary from bureau to bureau.
    Learn More

    1 Credit monitoring from Experian and TransUnion will take several days to begin.

    2 We will require you to provide your payment information when you sign up. You may cancel during the Free Trial Period without charge. If you do not cancel during the Free Trial Period, we will immediately charge your card $19.95 and will charge the card $19.95 for each month you continue your subscription. You may cancel at any time; however, we do not provide partial month refunds. Only one free trial is available in a 180-day period.

    3 Interactive Score Estimator results are provided for educational purposes only and are intended to show the impact that certain hypothetical actions could have on your Equifax credit score, assuming that all other variables remain constant. This is not a guarantee that your Equifax credit score will change as shown in this Interactive Score Estimator. Your actual credit score calculation may change frequently, even daily, as the information in your credit file(s) changes.

    4 Identity theft insurance underwritten by American Bankers Insurance Company of Florida or its affiliates. The description herein is a summary and intended for informational purposes only and does not include all terms, conditions, and exclusions of the policies described. Please refer to the actual policies for terms, conditions and exclusions of coverage. Coverage may not be available in all jurisdictions.

    Equifax is a registered trademark and Equifax Complete Premier is a trademark of Equifax Inc. 2017. Equifax Inc. Atlanta, Georgia. All rights reserved. All other trademarks or registered trademarks are the property of their respective owners.


  • Employee Discounts #cashback #with #credit #card #at #register


    #

    You are here: Home / Employee Discounts

    Employee Discounts

    With MySpree employee discounts your staff could stretch their salary further with money off everyday purchases, whilst taking more control over their household finances.

    Our benefits schemes give your employees the ability to earn unlimited cashback on everyday shopping in major high street stores and supermarkets .

    We have over 50 retail partners. ready to give your employees cashback every time they spend in store or online, so there’s no need to change their shopping habits.

    Employees could earn up to 15% cashback with our retail partner network.

    Where can your employees earn cashback?

    We ve partnered with over 50 well known high street brands to offer cashback on shopping essentials and treats. Click any logo below to see all of our partner retailers

    Employee discounts that save your team hundreds on shopping

    Give your employees the means to save money every time they shop, without the hassle of waiting for vouchers or gift cards to arrive or being super-organised to capitalise on online discounts. No additional administration is required by your team and we’ll even promote the scheme on your behalf, with a full suite of complimentary communications included.

    Responsible spending

    MySpree is NOT a credit or debit card – it’s a prepaid card which can be used to pay for goods wherever you see the VISA Acceptance Mark – that’s millions of outlets worldwide.

    Employees top up conveniently with funds before they use it, but can’t spend money they haven’t got, so there’s less chance of them spending over their budget. It also acts as a household budgeting tool, with many employees allocating their monthly food, clothing and entertainment spend to the card. There is no option for the cardholder to overspend.

    Cards are reloadable, meaning that employees are able to load money as frequently as they want.
    There are no spending caps or earning thresholds which is what you find with most cashback credit cards.

    Staff can earn unlimited cashback, providing they have the cleared funds available there are no overdrafts or credit limits, ensuring that your employees budget more effectively each month.

    Sound interesting? Read how it works in more depth

    The Spree team would love to hear from you!

    If you would like to know more about a prepaid card solution for your organisation please complete the form below.

    Give employees a means to stretch their salary further and improve their management of household budgets.


    Should You Get Return of Premium Insurance? #life #insurance #with #return #of


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    Return of Premium Life Insurance

    If you are like most people, you have probably never heard of return of premium (ROP) term life insurance. According to LIMRA, an insurance industry research group, return of premium insurance only represents about 2% of term life sales, and at its peak in 2009 it only accounted for about 5% of sales.

    Despite its lack of popularity, it can be an excellent product, offering both term life coverage and a refund of all of your premiums should you outlive the policy.

    While this may seem like a “have your cake and eat it too” situation, there are a number of factors you need to consider before jumping into the ROP life insurance pool. Premiums can be high and you could earn a better return in the stock market, but ROP policies offer a full death benefit as well as the possibility of a cash windfall if you outlive the term.

    What Makes Return of Premium Term Insurance Different?

    In order to understand return of premium insurance or premium return life insurance, as it is also known, you need to know how term life insurance works.

    Term life insurance is probably the simplest and least expensive form of life insurance. It insures your life for a specific “term,” which can be 1, 10, 20, or 30 years. If you die during the term, a death benefit is paid out. If you don’t die during the term, the policy terminates at the end of the term. Term policies are a great choice if you are concerned about your family having to cover large debts (think mortgage payment or credit card bills) if you die unexpectedly.

    While everyone hopes to outlive a term policy, those that do often feel they have paid out a lot of money without seeing any benefit. A return of premium policy addresses those concerns. It is basically a term life policy with a rider attached that returns all of your premiums to you if you outlive the term. A major benefit of this type of policy is that the premium money returned to you is completely tax-free, as it is not considered income but simply a refund of premiums.

    While return of premium life insurance sounds like a no-brainer, there are a number of things to consider that might make it a less desirable option, especially if you are older.

    Pros and Cons of Return of Premium Life Insurance

    Before purchasing any type of life insurance, it pays to understand the pros and cons of the kind of policy you are considering. A Trusted Choice ® independent agent can help you assess your needs and determine if a return of premium policy is right for you. Here are just a few of the pros and cons of a return of premium coverage:

    • This policy pays out a death benefit, the same as a regular term policy, if you die during the term.
    • A term policy allows you to choose the term that makes the most sense for your particular situation.
    • Your premiums are returned to you if you outlive the term of the policy.
    • The premium refund is tax-free money.
    • Return of premium life insurance acts like an automated savings plan, forcing you to add to your savings every month.
    • Some return of premium polices build a cash value that you can take loans out against. The loans have to be repaid or the refund or death benefit will be reduced by the borrowed amount.
    • Premiums for an ROP policy are more expensive than a normal term policy; the price hike will vary depending on number of factors.
    • Canceling the policy before the term expires will result in a much smaller refund or none at all.
    • You may be able to make more money investing the price difference between a normal term policy and a return of premium policy.
    • Policy details can vary between insurers, so read the details carefully.
    • You don’t earn any interest on your money; only your premiums are returned to you.

    Will a Return of Premium Policy Work for You?

    While term life insurance is a very simple product, whether adding a return of premium rider makes financial sense can depend on a lot of different factors.

    Price: A return of premium rider will significantly increase your premium, especially if you are older. At a minimum, expect to pay 30% more for a return of premium policy when compared to a regular term policy if you are fairly young and in good health.

    If you are older, in your 40s or above, and in less-than-stellar health, the price difference can be double or even triple the cost of a normal term policy.

    Opportunity Cost: This basically means that you should calculate what you are giving up to go with an ROP policy instead of investing the money on your own. If you are a savvy investor and comfortable with risk, it may make more sense to buy the term policy and invest the difference that you would pay for return of premium life insurance on your own.

    You may also want to consider a permanent life insurance policy such as whole or universal life. These policies have a cash value component that grows over time and in some cases can be a better investment.

    Can You Afford the Policy? You will not get all of your premiums back if you don’t make all of the premium payments, so choosing a policy you can afford is important.

    If you let your policy lapse, you won’t be alone. According to LIMRA data, 1 in 14 term life insurance customers stops paying their premium each year. The situation is not much better with permanent policies. These policies have a cash value component, but even that doesn’t help retention. About 25% of policyholders lapse their policies in the first 3 years, and this number jumps to 40% after 10 years.

    If you let a return of premium policy lapse, you may get some of your premiums back. It depends on how long you have had the policy. While it can vary by insurance company, in most cases, if you cancel the policy in the first five years you will get back a big fat zero. The amount you get back then grows a small amount every year. In year 10 you might get back 10%, and it goes up from there.

    Buy/Sell Agreements: If you are involved in a buy/sell agreement with a business partner, return of premium term life insurance can be a great choice. A partnership buy/sell agreement basically states that you will buy your partner’s share if they die first and vice versa. An ROP policy will ensure that you have the funds available to buy out your partner.

    Return of premium policies also work well in divorce cases where one or both of the partners are required by the divorce decree to carry life insurance. A return of premium policy fulfills the life insurance obligation and returns the premiums if one or both of the partners live past the term.

    How an ROP Policy Works

    Let’s say Bob, who is 40 years old, buys a 30-year term life insurance policy without the return of premium rider. His premium is $600 a year. He ends up paying $18,000 over the course of the policy and gets zero back if he outlives his policy.

    Bob’s good friend Todd (who is the same age) buys a 30-year term life policy and elects to go with the return of premium rider. His premium is twice as much at $1,200 a year, so over the course of the policy he forks out $36,000, but all of that money comes back to him if he outlives the policy.

    You need to decide whether recovering this money (assuming you outlive the policy) is worth the additional premium you will pay for that option.

    The other takeaway here is that adding a return of premium rider can easily double the premium if you are older, so make sure that the cost of the policy fits easily in your budget.


    AlienDVR – A Range of Digital Video Recorders for CCTV Systems #home


    #

    AlienDVR

    Live CCTV on your mobile! Free iPhone and Android client apps.

    Phone Client v4.0.2 for Android v7.0

    If you have a bar code reader on your phone, you can use the bar code on the left to download the app s APK file directly on to your phone.

    Please note: you will need to do some port forwarding from your router to allow remote access. (Ports 554 8000 for Heroes/Maxes and 1240 8240 for Megas)

    To install the APK file you will need to go to your security settings and allow installations from unknown sources. Then go to your Downloaded APK file and tap on it to begin the installation.

    Tablet Client v3.4.3 for Android v7.0

    Client software for the Android platform for use on tablets.

    Please note: you will need to do some port forwarding from your router to allow remote access. (Ports 554 8000 for MaxPix/MaxHD and 1240 8240 for MegaHero)

    The iPhone client is now updated to support the MegaHero.

    The iPad client is now updated to support the MegaHero.

    IPhone Client – Latest OS8 News

    Our iPhone client now supports new model iPhones running iOS8.x, including the iPhone 6. Simply head over to the Apple iTunes store and search for alien dvr . Be aware that customer feedback would indicate it is not advisable to upgrade older iPhones (such as the iPhone 4 series to iOS8).

    Please note: you will need to do some port forwarding from your router to allow remote access. (Ports 554 8000 for Heroes/Maxes and 1240 8240 for Megas), check out our support tips for common models here.

    Keep up to date with all the latest news from AlienDVR.com with our email news letter

    A variety of software solutions are available for the viewing of cameras and recording as well as DVR management.

    Live image updated every 5 minutes.

    Although we take great care to ensure that the details contained in our literature are correct, product specification may change without notice. � All contents subject to copyright, aliendvr.com


    SAP Business Objects Online Training #sap #bw #online #training, #sap #bi #online


    #

    SAPBO Online Training-IT Solutions

    SAPBO ONLINE TRAINING was started keeping in view only one Focused goal and that is to impart World-class Quality based Online Training keeping in tune with the latest Advancements in SAP BO Technology that are on high demand in the IT market.

    We are delighted to say that our company is a class apart because not only do we understand the intricacies of Online Training but also see to that the trainee who gets trained should be satisfied on the following major points:

    • R. O. I-Return on Investment of course this has to be the first point so when we charge a certain amount of fees we see to that we give a little extra to the fees that we have charged.
    • Excellent Course content developed by experienced Trainers.

    Our motto is “100% Customer Satisfaction

    The above said motto is in line with all our teams whether it is Training (or) Assistance, our team understands that a trainee who undertakes a Training course with us has to be highly satisfied with our Online Training course, PERIOD.

    We believe that if every customer who attends the Virtual Teaching gives us a Positive Feedback then only we can justify ourselves and come to a conclusion that our entire team was fruitful. Our company has a Stringent plan of action devised for the coming years because our team at any cost does not want to deliver flaws, whether it may be coaching, material, technical support guidance, Questionnaires for Interview purposes or Placement Assistance in not even a single aspect as mentioned above, we are going to compromise on Low Quality.

    • Weekday and weekend batches available.
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    “I knew I wanted to do SAP but was a little bit confused as to which module will really help me out. business objects training online counseled and told me based on my interest and skills that this is the best option for me and that is what has happened; today I really enjoy working on SAP BO.
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    No Exam Life Insurance #life #insurance #with #no #medical #exam,no #exam #life


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    Life Insurance With No Medical Exam

    Normally, if you’re applying for life insurance you are required to submit to a medical examination with regards to issues that may affect your insurance rates. For instance, you may be liable to pay more for life insurance if, during the medical exam, a doctor finds that you have a condition that indicates that you should be in a higher risk category.

    Heart problems, high cholesterol or a history of strokes are some examples of issues that might put you in a higher risk category. For many individuals seeking relief from constant worries about their health, no exam life insurance is the perfect choice.

    Who else might benefit from a no exam life insurance plan?

    • Those who need immediate coverage
    • Individuals suffering from health conditions, such as cancer
    • Senior citizens

    Pre-existing Conditions

    Many life insurance companies charge exorbitant fees if you have what they call a pre-existing condition which puts you in a higher risk bracket. Life insurance companies want to make more money off of you than you give them in the long term, so if they expect your death to be a drain on their company’s finances in the near future, they want you to have paid in as much as possible. Life insurance with no medical exams provides the perfect solution for individuals who would have to pay a huge amount of money for a traditional term or permanent life insurance plan. It may even be possible to get whole life insurance without a medical exam .

    Of course, you have to compare the monthly rates of each. Generally no exam life insurance is more expensive than the average life insurance plan and it offers the same services. However, it’s more of a one-size-fits-all insurance plan, making it a great choice for people who do have “pre-existing conditions” like a heart condition or who are significantly older. If this describes you, a traditional life insurance plan may ask for higher rates than a no exam insurance plan

    Enhanced Privacy With No Medical Exam Life Insurance

    Another benefit of purchasing life insurance with no medical exam is that you can keep your medical information private. Many of us feel a little bit leery that our private information is being viewed by some insurance executive or technician in a suit with nothing but dollars on the brain.

    We’d like to know that information about our bodies is kept between ourselves and trusted physicians and doctors. Additionally, no exam life insurance is great for people who don’t enjoy doctors’ offices, needles or exams. They’re simpler, they are processed much more quickly, and they leave your family with more money to help with funeral expenses.

    2017 www.lifeinsurancerates.com
    925 Peachtree Street NE Ste 615
    Atlanta, GA 30309
    Call Center (877) 407-6153

    All other trademarks and copyrights are the property of their respective holders.

    LifeInsuranceRates.com is not a covered entity for the purposes of the Health Insurance Portability and Accountability Act of 1996 (“HIPPA”). In turn, the additional privacy and security protections provided to individuals under HIPPA do not apply. There are certain state laws which may offer additional rights with regard to disclosure of information. If you are covered under these laws, you may have additional rights and some or all of the above disclaimers, exclusions and restrictions may not apply to you. LifeInsuranceRates.com is an insurance provider referral service and not a life insurance broker or provider. Not all insurers can or will offer you a quote. Rates and fees will vary between insurers and may be dependent on the state in which you live so be sure to compare the associated costs. You may receive a call from a LifeInsuranceRates.com affiliate to determine which policy will offer you the best coverage. None of the companies and/or brands referenced on this website either sponsor, endorse or are in any way affiliated with our company.


    Hot Porn At My First Sex Teacher From Naughty America! #teacher #has


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    Released: Jul 7, 2017

    Scene Synopsis: Everything has its price! Horny teacher’s assistant Bridgette B. has been fucking student Lucas for a bit now, but she’s worried about losing her job. But that the same time she wants his hard dick in her wet pussy! But when the two think they’re alone, fucking around in the classroom, Bridgette’s boss, Prof. Julia Ann, rolls around the corner and catches them. Now it’s either do what Julia says, or else! And what does the good professor want? She wants her teacher’s assistant to finish the blowjob she was giving the student, then to continue fucking him until it’s her turn. Learning to negotiate — a great lesson for the day

    Released: Jun 30, 2017

    Scene Synopsis: What a fuckin’ d-bag! Frat boy Van is snooping around one of his bros’ classrooms looking for an answer key, but when teachers Ava Addams and Rachel Starr walk in, he hides under the desk until something better happens! He can’t believe his eyes when he watches the lecturers start getting it on in the empty classroom! Van takes all kinds of pics and video until he gets caught by the sexy twosome…blackmail time! He wants to watch and keep the answer key, in exchange for deleting the pics and vids of them, and then everyone walks away like nothing happened. But how the hell is a horny college kid watching two hot teachers, each with a big ass and big tits, lick each other pussies NOT turn into a threesome? Find out what really happens in higher education!

    Released: Jun 23, 2017

    Scene Synopsis: Damon knows the Spanish language, but when it comes down to actually speaking it, he gets nervous and can’t move a muscle — not even his mouth! That’s why his professor, Ariella Ferrera, keeps him after class today, to try to help him through his fear. He passes all the written tests, but when it comes to oral, he just can’t pull through! But when Ms. Ferrera explains to him that when he travels to a Spanish-speaking country and comes across a sexy Latina (such as herself) he’ll be up shit creek without a paddle, Damon tries a little harder to roll his Rs. Further inspiration fires up when Ms. Ferrera sticks her big tits in his face, then shoves her tongue down his throat! But the time he’s done fucking her and summing all over Ariella’s face, Damon’s practically fluent!

    Released: Jun 2, 2017

    Scene Synopsis: What’s it gonna take for Seth to get his professor, Nicole Aniston, to give him a recommendation for the job he’s trying to get? A helluva lot, according to her! She’s pretty adamant about not being a reference for Seth due to his poor attendance and lack of drive in her class. But after her student begs and begs her for her to vouch for him so he can nail down that job, Nicole determines that he’s going to need to nail her first! The hot blonde teacher is more than happy to accept her student’s big dick in her wet pussy as a starting point. See if Seth does well enough on Ms. Aniston’s new assignment to get her off, and to get her to sign off!

    Released: May 15, 2017

    Scene Synopsis: When college teacher Dani Jensen finds her student Tyler sulking alone in her classroom after class is out on a Friday, she feels like she needs to console him. She learns that his girlfriend recently broke up with him, and now he feels completely lost at sea in all aspects of his life. Ms. Jensen feels she needs to do her duty as his instructor and make him feel better by pulling out his dick and giving him a blowjob! Tyler’s blown away, but he’s fine with being blown by his teacher, and then some! Never did he think he’d be banging his college prof on her desk, but dreams can come true! And Tyler can cum in Ms. Jensen’s face, too…so he does!

    Released: Apr 7, 2017

    Scene Synopsis: Arielle Ferrera gets called into the college because her idiot stepson Bambino did something stupid in class — he pulled his big dick out on a dare! His professor, Diamond Jackson, has a talk with Ariella and him about all this and cautions them that she may need to involve the dean. She has her student show his stepmom exactly what he did, but nobody can believe how massive his cock is when he wriggles it out of his pants! Professor Jackson and Ariella confer in private and make a determination: they’re willing to overlook things if Bambino fucks them in a professor-stepmom threesome! Do you think he’d dare.


    Free Doctoral Programs In Bible #what #can #you #do #with #a #degree


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    DrBibArch (Doctor of Biblical Archaeology)

    STD (Doctor of Sacred Theology)

    Please click on the program of your choice for more information. Remember, all the above programs are offered without any tuition fees. All textbooks needed for the above programs are given free via net-based downloads.

    Take some time to study all the free programs mentioned on this Seminary School and make a decision only after you have fully understood everything. Remember, it is better to weigh all courses and then choose what suits you most instead of hastily join just because these seminary courses are free.

    All our programs from bachelors up doctoral programs are free of tuition. No tuition fees is ever demanded. There is no hidden fee. However, there is a small entry-fees (registration-fees) that everyone from Developed Countries need to pay. This would be less than the tuition fees that they might have to pay for a single credit hour of course in other institutions.

    Students from Developing Countries do not have to pay any entry fees because they come from the poorest among the poor countries.

    All students (irrespective of the country of their origin) will have to pay a small Graduation-fees. This amount takes care of final exams, printing and packing of transcripts and diplomas. This amount also takes care of the special international courier which we use for the delivery of the documents. Graduation fees, however, has to be paid only at the time of graduation.

    Dear Sir, I Rev.Paul Mathivanan basically a south Indian has been a cross cultural Missionary for over twenty FIVE years in the NORTH and in the NORTH EAST OF INDIA. And I had done a BACHELOR DEGREE in THEOLOGY during 85-87.I am so much eager to do Doctorate in the Christian Ministry but due to my poverty although I am trying my best I am not getting any such college, will you please help me in this case and if so, what I need to do please help me.
    Thanking you.
    Anticipating your positive response.

    All of my heart s desire is obey God and to study evrything about God and His Son Jesus Christ our Lord and Savior divine.

    kindly email the details on how to enroll

    By the grace of God i came across ISDET, now i can t wait to start my studies journey. you are a blessing to the whole wide world God bless you in Jesus Name. Evens Odera

    Gobezu Gotoro says:

    I would like to study ThD so how could I start it?

    Please study the website and send an initial application!

    Aaron Sathuluri says:

    Sir, I have completed M. Th in 2005 and have been in teaching and training ministry for over 15 years in India. I train people for ministry and help them plant churches in India. Also I am pastoring a church in Delhi, India presently. I would like to pursue an online Th. D program. Please let me know course requirements, fee structure and duration in which to complete.

    I am happy to learned thatISDET offering special Course in regards the highest degree in Theological study. I am looking forward.

    Kham Lian Suum says:

    I am a pastor in Myanmar. I am very interested in the Th.D program of the ISDET. Please let me know how I can apply and start studying in the program.

    I Rev.H.A TAMREINGAM senior pastor of phone yo Baptist Church. Mother church manipur, being a senior pastor would like to complete the topmost theological studies from your college. May your institution kindly accept my humble request.

    I need the the form to run a doctoral programming thanks

    I have to agree with your statement with this issue and aeggfgeddgad

    Dr Wesley Rose says:

    I am interested in the Doctorate in Biblical Archeology. Only a year or so ago this degree wasn t offered that I am aware of. I would truly love the opportunity to get into this discipline of study and research. Help me get registered, please. I m disabled and have some difficulties with forms and stuff. I currently have a Masters in Biblical Archeology

    Dear Sir I am willing to do phd residential but for that I have no opportunity and financial support from any where if there is possible with any bound or condition please pray for me.Thanking you

    Emmanuel Ebune says:


    Irish Bread Pudding with Caramel-Whiskey Sauce Recipe #bread #pudding #with #whiskey #sauce,


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    Irish Bread Pudding with Caramel-Whiskey Sauce

    Bread pudding with whiskey sauce is a delicious dessert inspired by the flavors of the Emerald Isle. Serve for St. Patrick’s Day or any other day you want to get in touch with your inner leprechaun.

    Bread pudding with whiskey sauce is a delicious dessert inspired by the flavors of the Emerald Isle. Serve for St. Patrick’s Day or any other day you want to get in touch with your inner leprechaun.

    Ingredients

    • 1/4 cup light butter, melted
    • 1 (10-ounce) French bread baguette, cut into 1-inch-thick slices
    • 1/2 cup raisins
    • 1/4 cup Irish whiskey
    • 1 3/4 cups 1% low-fat milk
    • 1 cup sugar
    • 1 tablespoon vanilla extract
    • 1 (12-ounce) can evaporated skim milk
    • 2 large eggs, lightly beaten
    • Cooking spray
    • 1 tablespoon sugar
    • 1 teaspoon ground cinnamon
    • Caramel-Whiskey Sauce

    Nutritional Information

    • Calories 362
    • Caloriesfromfat 17%
    • Fat 6.7g
    • Satfat 4g
    • Monofat 2.1g
    • Polyfat 0.6g
    • Protein 8.1g
    • Carbohydrate 66.7g
    • Fiber 0.9g
    • Cholesterol 57mg
    • Iron 1mg
    • Sodium 269mg
    • Calcium 155mg
    • Calories 362
    • Caloriesfromfat 17%
    • Fat 6.7g
    • Satfat 4g
    • Monofat 2.1g
    • Polyfat 0.6g
    • Protein 8.1g
    • Carbohydrate 66.7g
    • Fiber 0.9g
    • Cholesterol 57mg
    • Iron 1mg
    • Sodium 269mg
    • Calcium 155mg

    Killer recipe. Had to double, due to the amount of bread I had. Used some almond milk to make up the quantity of milk, and only one can of milk. When I saw the trouble people had with the sauce, I used the Betty Crocker recipe. For both, I cut the sugar as advised. It was still plenty sweet. Guests has seconds! Will make again, as it uses fewer eggs and is just as delicious as a traditional recipe. (Even doubled, it piled into a 13×9 pan. Cooked it a bit longer.)

    Made with sauteed apples instead of raisins, because my husband does not like raisins. I am only rating 3 stars because it was really too sweet, especially when topped with the caramel whiskey sauce. and I like sweet! It had good texture and flavor otherwise. Maybe I ll try again with waaay less sugar.

    I ve been making this recipe for bread pudding for years, and have reliably turned bread pudding haters into bread pudding afficionados with it. Make SURE you get a good crusty French baguette, not the stuff that is sometimes sold as french bread, but is more like italian. It makes all the difference, because the french baguette stands up to the soaking in the egg and milk mixture, instead of disintegrating. Only change I make is to use real butter and often (for budget reasons) use the apple cider option instead of whiskey. If I m short of time (which is more often than not) I use purchased caramel sauce instead of making it. (Last time I used Nestle s La Lechera Dulce de Leite.) You can even add the whiskey to the purchased sauce when you heat it if you want, and no one but you will know it isn t homemade!


    Atlanta Moving Company – Fox Moving – Storage #moving #company #with #storage


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    Atlanta Moving Company Fox Moving

    Fox Moving and Storage A Premier Atlanta Moving Company

    Fox Moving Storage is one of the most trusted moving companies in Atlanta! We specialize in residential and commercial moves and can relocate you to your next house, condo, apartment or retirement home, no matter what the size. Fox Moving and Storage has the ability to execute any size move, at any time, to any place.

    An Atlanta Moving Company Focused on YOU

    Completing a successful move requires careful and attentive planning. From your very first phone call to us to moving your family into your new home, we will have every detail under control.

    Our goal is to provide quality, painless service at reasonable and attainable rates. Starting with no cost, hassle-free in-home estimates, and carrying through to careful pad wrapping of all of your furniture before it leaves your home, Fox’s professional Atlanta, GA movers can be counted on to treat your belongings (and your family) like their very own!

    Fox Moving Companies Service the Southeast

    No limits to our service area, Fox Moving and Storage is a moving company servicing the entire Atlanta area, as well the rest of the Southeastern US, with additional branches conveniently located in Tennessee.

    Experienced, Trained Professional Movers

    Fox Moving prides itself on having a well-trained, reliable pro moving team. Background checks and drug tests are a key step in our screening process and our training is extensive, both in-house and in the field. Following a rigorous training program based on the American Moving Storage Association’s Pro Mover Certification Program, our movers receive regular meetings with management to review processes and best practices.

    Flexibility

    Whether you need assistance loading and unloading a truck, moving a piano, or having a specialty crate built for safe shipping of valuables, Fox Moving Atlanta is ready to do all heavy lifting for you! We can pack, unpack and move just about anything and we don’t think any job is too big or too small! For more information, to schedule your no-cost and no-commitment in-home estimate, or to make a reservation, give us a call at 678-704-0444. You can also use our simple online form to Request a Moving Quote .

    24 Hours A Day! 7 Days A Week! 1 Hour Notice! Call Fox Moving Atlanta at 678-704-0444 For More Information.

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