How To Raise Money to Start Business and Where to Get Money for Business July 31, 2008
Posted in : Money Making , comments closedThe common questions for anyone who want to start business are: How to raise money to start business, and where to get money for my business?
To raise money to start business is not as difficult as most people seem to think. This is especially true when you have an idea that can make you and your backers rich. Actually, there’s more money available for new business ventures than there are good business ideas. We will help you for where you can get money for business.
A very important rule of the game to learn: Any time you want to raise money, your first move should be to put together a proper prospectus.
This prospectus should include a resume of your background, your education, training, experience and any other personal qualities that might be counted as an asset to your potential success. It’s also a good idea to list the various loans you’ve had in the past, what they were for, and your history in paying them off.
You’ll have to explain in detail how the money you want is going to be used. If it’s for an existing business, you’ll need a profit and loss record for at least the preceding six months, and a plan showing how this additional money will produce greater profits. If it’s a new business, you’ll have to show your proposed business plan, your marketing research and projected costs, as well as anticipated income figures, with a summary for each year, over at least a three year period.
It’ll be advantageous to you to base your cost estimates high, and your income projections on minimal returns. This will enable you to “ride through” those extreme “ups and downs” inherent in any beginning business. You should also describe what makes your business unique—how it differs form your competition and the opportunities for expansion or secondary products.
This prospectus will have to state precisely what you’re offering the investor in return for the use of his money. He’ll want to know the percentage of interest you’re willing to pay, and whether monthly, quarterly or on an annual basis. Are you offering a certain percentage of the profits? A percentage of the business? A seat on your board of directories?
An investor uses his money to make more money. He wants to make as much as he can, regardless whether it’s short term or long term deal. In order to attract him, interest him, and persuade him to “put up” the money you need, you’ll not only have to offer him an opportunity for big profits, but you’ll have to spell it out in detail, and further, back up your claims with proof from your marketing research.
Venture investors are usually quite familiar with “high risk” proposals, yet they all want to minimize that risk as much as possible. Therefore, your prospectus should include a listing of your business and personal assets with documentation—usually copies of your tax returns for the past three years or more. Your prospective investor may not know anything about you or your business, but if he wants to know, he can pick up his telephone and know everything there is to know within 24 hours. The point here is, don’t ever try to “con” a potential investor. Be honest with him. Lay all the facts on the table for him. In most cases, if you’ve got a good idea and you’ve done your homework properly, and “interested investor” will understand your position and offer more help than you dared to ask.
When you have your prospectus prepared, know how much money you want, exactly how it will be used, and how you intend to repay it, you’re ready to start looking for investors.
As simple as it seems, one of the easiest ways of raising money is by advertising in a newspaper or a national publication featuring such ads. Your ad should state the amount of money you want–always ask for more money than you have room for negotiating. Your ad should also state the type of business involved ( to separate the curious from the truly interested), and the kind of return you’re promising on the investment.
Take a page from the party plan merchandisers. Set up a party and invite your friends over. Explain your business plan, the profit potential, and how much you need. Give them each a copy of your prospectus and ask that they pledge a thousand dollars as a non-participating partner in your business. Check with the current tax regulations. You may be allowed up to 25 partners in Sub Chapter S enterprises, opening the door for anyone to gather a group of friends around himself with something to offer them in return for their assistance in capitalizing his business.
You can also issue and sell up to $300,000 worth of stock in your company without going through the Federal Trade Commission. You’ll need the help of an attorney to do this, however, and of course a good tax accountant as well wouldn’t hurt.
It’s always a good idea to have an attorney and an accountant help you make up your business prospectus. As you explain your plan to them, and ask for their advice, casually ask them if they’d mind letting you know of, or steer your way any potential investors they might happen to meet. Do the same with your banker. Give him a copy of your prospectus and ask him if he’d look it over and offer any suggestions for improving it, and of course, let you know of any potential investors. In either case, it’s always a good idea to let them know you’re willing to pay a “finder’s fee” if you can be directed to the right investor.
Professional people such as doctors and dentists are known to have a tendency to join occupational investment groups. The next time you talk with your doctor or dentist, give him a prospectus and explain your plan. He may want to invest on his own or perhaps set up an appointment for you to talk with the manager of his investment group. Either way, you win because when you’re looking for money, it’s essential that you get the word out as many potential investors as possible.
Don’t overlook the possibilities of the Small Business Investment Companies in your area. Look them up in your telephone book under “Investment Services.” These companies exist for the sole purpose of lending money to businesses which they feel have a good chance of making money. In many instances, they trade their help for a small interest in your company.
Many states have Business Development Commissions whose goal is to assist in the establishment and growth of new businesses. Not only do they offer favorable taxes and business expertise, most also offer money or facilities to help a new business get started. Your Chamber of Commerce is the place to check for further information of this idea.
Industrial banks are usually much more amenable to making business loans than regular banks, so be sure to check out these institutions in your area. insurance companies are prime sources of long term business capital, but each company varies its policies regarding the type of business it will consider. Check your local agent for the name and address of the person to contact. It’s also quite possible to get the directories of another company to invest in your business. Look for a company that can benefit from your product or service. Also, be sure to check at your public library for available foundation grants. These can be the final answer to all your money needs if your business is perceived to be related to the objectives and activities of the foundation.
Finally, there’s the Money broker or Finder. These are the people who take your prospectus and circulate it with various known lenders or investors. They always require an up-front or retainer fee, and there’s no way they can guarantee to get you the loan or the money you want.
There are many very good money brokers, and there are some that are not so good. They all take a percentage of the gross amount that’s finally procured for your needs. The important thing is to check them out fully; find out about the successful loans or investment plans they’re arranged, and what kind of investor contacts they have—all of this before you put up any front money or pay any retainer fees.
There are many ways to raise money—from staging garage sales to selling stocks. Don’t make the mistake of thinking that the only place you can find the money you need is through the bank or finance company.
Start thinking about the idea of inviting investors to share in your business as silent partners. Think about the idea of obtaining financing for a primary business by arranging financing for another business that will support the start-up, establishment and developing of the primary business. Consider the feasibility of merging with a company that’s already organized, and with facilities that are compatible or related to your needs. Give some thought to the possibilities of getting the people supplying your production equipment to co-sign the loan you need for start-up capital.
Remember, there are thousands upon thousands of ways to obtain business start-up capital. This is truly the age of creative financing.
Disregard the stories you hear of “tight money,” and start making phone calls, talking to people, and making appointments to discuss your plans with the people who have money invest. There’s more money now than there’s ever been for a new business investment. The problem is that most beginning “business builders” don’t know what to believe or which way to turn for help. They tend to believe the stories of “tight money,” and they set aside their plans for a business of their own until a time when start-up money might be easier to find.
The truth is this: Now is the time to make your move. Now is the time to act. the person with a truly viable business plan, and determination to succeed, will make use of every possible idea that can be imagined. And the ideas I’ve suggested here should serve as just a few of the unlimited sources of monetary help available and waiting for you!
Now you should get idea for how to raise money to start business, how to get money for business, and where to get money for my business.
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Julia Tang publishes Smart Online Business Tips, a fresh
and informative newsletter dedicated to supporting people
like you! To find out the best online business opportunities,
and to discover hundreds more proven and practical internet
marketing secrets, plus FREE internet marketing products
worth over $200, visit: http://www.best-internet-businesses.com
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Where to Get Cost Free Debt Advice July 30, 2008
Posted in : Economy + Finance , comments closedThe credit crunch has meant there are an almost epidemic quantity of debt management organisations now able to offer debt advice free of charge. Most organisations will offer cost free no obligation debt advice. What is not clear is whether these businesses are providing best value with reference to their service and the information they provide?
The fact is by far the majority of customers do not properly appreciate the different products in terms of debt management generally. If consumers had a proper understanding then these consumers would not require advice from debt managers.
The fact of the matter is financial companies are out to produce some financial benefit for themselves, it is possible this will end up with a conflict of interests between the consumer and the adviser. Income is generated by referring customers to other organisations or alternatively by collecting arrangement fees from companies to whom monies are owed. Because of this it is difficult to get a handle on how well such organisations are really representing their clients. The biggest worry is that these debt counselling organisations will tend to give guidance to clients influenced by their own margins as opposed to serving the best interests of their customers.
Getting un-biased debt advice can be stressful. Even so trying out more than one company is essential for such services. Consumers should not simply go with the first debt advice agency that they speak to.
Debt counselling organisations are regulated to try and make sure they are professional and manage client personal privacy. The issue with this is that it is very difficult to scrutinise or prove a given advisers motives when offering cost free debt advice. The question is, can a government agent ascertain if debt advice was offered with the best interests of the debtor at heart, or whether, perhaps, the kind of information given was was driven by the advisers own profit?
The Hidden Lessons of Nature July 28, 2008
Posted in : Money Making , comments closedThere is a Plains Indian tradition in the United States called a vision quest. There are most likely similar traditions in various cultures and religions, but I am most familiar with the Lakota tradition. One of the interesting things about the vision quest is that it’s done in seclusion, but with the help of the community.
It takes quite a bit of preparation to do a vision quest. This includes working with a medicine man, preparing small sacks of tobacco for the creation of the circle, sweat lodges for cleansing before the vision quest, and prayers from the community during it. There is no eating or drinking for four days, so one comes close to death. One sits in the middle of a circle outside. One prays, one observes, and one seeks for a vision that will help the community.
I have often thought about doing a vision quest. Perhaps I will some day. Even without doing a vision quest, through personal experiences, I have realized what one can learn from nature just by sitting and being quite. If one just sits in the woods near a tree, or in a circle, and begins to look around, it’s like entering into another world. One begins to notice several birds and insects that one doesn’t often see. Animals that usually hide seem to come out into the open performing their daily tasks. Some even seem to become more bold as they come up to explore you. I seems that one’s sharp edges begin to soften and that one becomes more of a part of nature than before. Just standing there and watching, or sitting and watching reminds one of this, if she has an open mind.
I have also experienced this doing Standing Like a Tree Chi-kung meditation, or just by sitting on a bench outside. That’s why many spiritual directors feel that it is important to spend time outside. In the book, The Four Fold Path to Spirituality, the author suggests that one stay outside at least one hour a day. I would agree with that. The truth is that nature is our teacher. As we stand and as we watch we begin to learn about our greater identities. As we observe animals going about their business in intelligent ways we learn that we are not the only thinking beings in the world, nor are we the center of the universe, except for in our own minds. As we learn these things by seeing them, repeatedly, we experience a strange feeling that I can only describe as home.
We learn to feel at home in the world. We learn that we are here on earth and in these bodies in the now. We only experience this moment one time. It doesn’t matter if we come back after we die, it doesn’t matter where we are from, what matters is that we are experiencing this moment if we are intelligent enough. If we can experience this moment, this now, fully and completely, our lives will be beautiful.
Many of us have learned to fear nature. Sometimes that gets in the way. We have been told that it has been cursed. We are told that it is violent and dangerous. Some of us fear the chaos of nature and work to separate ourselves from it. All of the things that we learned about nature are true to some extent, but are damaging when taken to extreme. There’s nothing worse than a natural disaster or some type of wild animal attacking someone in the woods, but in our personal lives we don’t always experience natural disasters, nor are we always attacked by wild animals. When we realize this and put our fears into perspective we can see that there is also a beauty and logic in nature, and that we are not separate from it. Nature is just outside the front door.
We all evolved from the same elements from the stars, suns and planets from which the earth is made. We are all part of nature. We are all connected on this small globe called Earth. If we accept that fact we will never be alone again. Every living thing will be brother, sister, mother and father to us, and we will, in that sense, always be loved and always be at home.
Dr. John Gilmore is a writer, spiritual director, martial artist, a healer living in Costa Rica. He received is D. Min. degree from Wisdom University in Reinventing Work and Spirituality. For more information or like materials, visit his Practical Spirituality Journal at http://www.dswellness.com. You may also find related material there.
Slim Vision: Everything You Need to Know About Compact Reading Glasses
Posted in : Money Making , comments closedCompact reading glasses, sometimes referred to as slim reading glasses, are lighter, less noticeable, and sometimes more attractive, than the larger variety. Before purchasing compact reading glasses you should make sure that the readers will meet your needs.
First consider what you will be using the reading glasses for. Compact reading glasses are great for short tasks or those that must be performed while on the go. Reading menus and labels, shopping tags or bus schedules are perfect examples of these types of tasks. Because the lenses on compact reading glasses are smaller than those on larger styles they don’t always make the best option for long term or more intense reading. Some people find it hard to focus through the small area for long periods of time.
Another great use for compact reading glasses is as a half eye. This means to wear the compact reading glasses down a bit on your nose. This will allow you to look down through the lenses to see your near vision tasks while maintaining the ability to look our over the top for your distance vision needs. If you do this keep in mind that moving the readers down your nose can actually increase the strength of the glasses so you might consider getting a slightly weaker power.
The final great thing about compact reading glasses is the storage cases they usually come with. Often such readers come with a hard case that is designed to store a specific style of reading glasses. This means no extra space in the case, hence no wasted space in your pocket or bag. The case is usually rigid providing a protective home for the readers when you are on the go and throwing them haphazardly in to your pocket or purse.
Compact or slim readers are the perfect solution for those people looking for reading glasses to solve the above challenges. Use them on the go, use them as half eye readers, or throw them in to your bag without a care, that’s what they were designed for.
Steve Cogger co founder of http://www.readinstyle.com a online reading glasses boutique is also a licensed optician treating presbyopic patients on a daily basis. Visit http://www.readinstyle.com today for your free report, “7 Key ?’s to Answer Before Ever Buying Reading Glasses Online!”
Ascertain What Fast Internet Access is and Revel in Watching Television Online July 27, 2008
Posted in : Better Telecommunication , comments closedBroadband is fast speed www access, and is noticeably faster than old dial-up access over a modem. If you yourself are browsing this guide then you are seemingly thinking at acquiring www access for the first time, or looking to upgrade to broadband.
The primary perk of broadband is you yourself are able to listen to music over the net, this has became extremely popular with ITV launching their new website which will allow surfers to view the very latest episodes of Friends. With broadband users could also get rock music & comedy movies at a much higher speed than dial-up access.
Broadband is straightforward to put in. The 1 st thing you yourself will need to do is sign up with an ISP, of course known as an Internet Service Provider, and they will supply people with a connection via your telephone connection. If surfers currently have an ISP then make sure people make use of a broadband comparison site for unbiased guidance on the greatest offers. Surfers can quickly notice the most inexpensive deals with a broadband comparison service by simply typing in your city and then the website will show a list of internet packages in your postcode. You yourself will be under no contract to register with any internet while surfers look through the wireless broadband deals. Click here to compare broadband packages with Compare Broadband UK.
Once surfers have signed up with your Internet Service Provider the broadband company will probably arrange a date for turning on the broadband and supply users with any necessary routers and cd software. The routers & connection software may come with step by step guides and most internet businesses will probably offer customers tech guidance if needed.
Once surfers have successfully connected to the internet surfers will start to adore the fast speeds of internet access. If surfers are going to get music, television programmes such as Roseanne or movies please be wary of any download limits you may have on your package. Music and TV downloads such as Heroes will probably take up a lot of your ‘download allocation’ as the broadband business are huge in file size.
Try Decreasing the CO2 Emissions of your Trip by Transporting yourself by Train July 22, 2008
Posted in : World Of Information , comments closedTrains are something that UK people view as very effortless and very quick to use, there is no trouble checking in, having to wait to find your bags and going through painful security checks when you are trying to get to Copenhagen. It is simply excellent. So you just go to the correct train station, watch for your platform and then you’re travelling. Discover train holidays and learn their benefits at BBC Green.
Trains are also pretty eco friendly types of general public transport. This is because public transport can take big levels of travellers at any one time. By travelling so many people compared to the massive number of cars and motorbikes it would take to drive them all, the carbon emissions is notably smaller as a whole. Trains are magnificent compared to cars.
It is always going to be needed to get from A to B by whatever modes of transport are conceivable and if this means travelling on public transport since it has a lower C02 output than a plane, then this is a tremendous choice to pick, some may say its an incredible choice. So it is conceivable to go on a vacation by rail and still be green friendly. At the moment it is attainable to go by public transportation to most cities in Europe including Granada.
So if you want to keep your carbon footprint to a minimum, there’s no contest, going by train is spectacular compared to by car. Travelling by public transportation is a relatively green means of travel, and it is easy to stay safe on public transport if customers use common sense. The next time you want to travel, see if you yourself might well use a train or another kind of public transportation to reduce and cut down on transport gases. A little studying has showed that flying between Leeds, Paris and Austria generates over 10 times more fuel emissions than going by public transportation, assuredly this is reason enough to go by public transport, when train travellers can.
Using the train for romantic trips is an awesome way to reduce your greenhouse emissions, and rail travellers may want to bring that same clever thinking towards your commute to work. Although transporting by public transport has became more preferred in the last four years, there is still a huge section of passengers that take their car into their work establishment.
Does Anyone Out There CARE! Read this NOW! I am not asking you to, I am begging you; give me ten min July 21, 2008
Posted in : Money Making , comments closedI wrote an article 2 months ago trying to rally some support for the research for Mental Health Disorders. My main theme was for people to donate to Non-Profit Organization, just $1.00. I mean a Freaking dollar to help people on low income that have a mental health disorder. Now I pointed out the fact that millions were given to the victims of hurricane Katrina.
For some odd reason two months later not ONE GOD DAM DOLLAR WAS DONATED I tried to rally the troops and still no one even could give a measly dollar. Do you realize the new surgeon general report says 1 in 5 Americans will come down with a mental illness in some point in there life and this used to be 1 in 20, I would say that was close to an epidemic, that’s millions more than the victims of the hurricane, yet the city still SLEEPS.
Now what I want you all to know is this, on every cancer patient and heart disease they spend on 1 patient $25 dollars of research, heart disease 1 patient $23 research and the list goes on and on. Now do you want to know the God’s truth? For every 1 Mentally Ill patient they spend, hold on to your hat 1 big huge dollar that’s it! Now I think you can see what is happening here, one lousy dollar for each patient for research.
Now what are we going to do about it? I will make a plea to all those that are reading this please donate $1 measly dollar to this non profit organization, let’s help people get medicine and also raise awareness that we need to be spending billions on a cure and medicine to improve the quality of lives of all the mentally ill. Please forward this to as many people as you possibly can, my goal is to raise $2,000,000 BY THE END OF 2006. Now here is my cell phone # 567-219-0994, any questions that you need answered please do not hesitate to call and I’ll share with you the details of the non profit organization Out of Darkness and what we are trying to do to make a difference in the mental health field.
So please skip the doughnut this Sunday and send $1 to our Pay Pal Account. outof_darkness@yahoo.com now if I weren’t serious why would I give my cell phone # to the whole world to see? Yes, call me I’ll take the time to let you know where we stand and the exciting things we are doing on the front lines to make solid changes for the better of Mental Health Disorders! So please put that extra cheeseburger down, send us a dollar, and know that you had an effect on someone with an emotional problem.
No different from cancer or heart disease and I must remind you of the fact that research is $20 to $25 per patient. Mental health disorders $1 per patients, that is sad, please pass this along to all those that you may know who can afford to donate a dollar and just know that the next person to get a mental health disorder, could be your son or daughter. Then you will be wondering were is that big huge dollar they are going to spend on my loved one going to come from and then at that point you will wish they would give $25 per patient for research, yet they hand you a dollar and say good luck! America Deserves better, get out your wallet NOW and give a dollar. If you don’t have a pay pal account send your dollar to Out of Darkness 43 Oakwood Ave. Suite 1012 Huron, Oh, 44839
I HAVE A BURING DESIRE TO HELP PEOPLE AND TODAY MY THRIST CAN’T BE QUENCHED! Art Buchanan
With Much Love, Arthur Buchanan
The Tablet of Venus July 20, 2008
Posted in : Money Making , comments closedIn the 17th century, divination devices called The Tablets of Fate were sold on the street by fortunetellers. These were square pieces of paper which had sixteen numbers written on them and the idea is that you would go home, close your eyes, spin the paper and point to a spot on the paper to get the answer to your question. The numbers corresponded to the vibrations of specific planets and their responsibilities. For instance, the Tablet of the Moon was used to ask questions about family, friends and relationships. The tablet of Jupiter was used to consult about business, justice and legal matters.
The Tablet of Venus, which was used to answer questions about love, is as below.
The Tablet of Venus
5 11 1 9
14 7 4 12
8 3 16 2
6 15 10 13
To make your own Tablet of Venus simply copy the numbers you see above on a square piece of paper in the pattern shown and make sure the numbers are even spaced into sixteen spaces. Close your eyes, spin the paper and then ask a question. Wherever your finger or the point of your pencil lands – there is your answer. If the number is at all sideways or upside down then you read the number’s reversed meaning. This is a bit of a parlour game but it is traditional fortune telling, fun and surprisingly accurate. By the way, no peeking before you spin the paper.
1 Upright This person is your soulmate.
Reversed You are forcing this person to do something he or she does not want to do
2 Upright There will be delays and disappointments.
Reversed This person knows about your deception.
3 Upright Do what your heart tells you to do.
Reversed This person is a con artist
4 Upright Make sure you have all the facts before you proceed.
Reversed If you knew the whole story, you would forgive.
5 Upright Everything will be ok.
Reversed You will regret your hasty decision.
6 Upright It is your fault it is not working out.
Reversed Your love is strong enough to withstand all obstacles.
7 Upright You are to blame for what has happened.
Reversed Don’t judge a book by its cover.
8 Upright Your jealousy is destroying your relationship.
Reverse Your beloved is honest and true with you.
9 Upright Your beloved is faithful to you.
Reverse You are unfaithful to your partner..
10 Upright Someone is thinking about you right now.
Reversed Beware of a flirt.
11 Upright This misunderstanding will blow over quickly.
Reversed This misunderstanding may mean the end of things
12 Upright Some has changed his or her mind about you.
Reversed You are allowing gossip to destroy your love.
13 Upright There will be love, but not with the one you think you want.
Reversed Think before you act
14 Upright Your fears and suspicions are all in your mind
Reversed It is infatuation, not love.
15 Upright Your friend and you will part ways forever
Reversed There is no reason to be jealous
16 Upright This is a true love.
Reversal Be sensible, not silly about this…
Samantha Steven’s articles have been published in many high-standing newspapers and she has published several books. If you wish to buy Samantha’s books about metaphysics click here
http://www.insomniacpress.com/author.php?id=110
You can meet Samantha Stevens at http://www.psychicrealm.com where she works as a professional psychic. You can also read more of her articles at http://www.newagenotebook.com
Find your Bad Side with Vibrators and Feel Unbelievable This Evening July 19, 2008
Posted in : The Shoppers Way , comments closedToys are incredible; sex aid toys are one thing that will not ever have a an issue spending days with you until it gets you yourself off. Vibrators have been all over the place for years, from the carrot in the old days through to the astonishing and advanced sexual toys available online these days.
If you think that your sex life is in need of quite a bit of urgent attention then sex toys are perfect to add that further spice you are looking for. You could use sex toys with your booty call or on your own and the sexy excitement is never ending, just use your sexual imagination.
There may be times it might seem that marital toys are only designed for females, well if you have ever been to a massive sex retailer you yourself would note plentiful sexual toys for blokes. Sex websites stock everything from penis sleeves to penis vacuums. Men every now and then feel embarrassed about obtaining sensual toys for themselves, on the other hand with the world wide web now readily around to everyone you may save any embarrassment and buy online and get a penis sleeve delivered in plain packaging. If you don?t know which marital aid to order first you can forever speak or email the customer service folk for their advice. Buy Anal Toys from Sex Bomb.
Discover Video Games Consoles July 14, 2008
Posted in : The Shoppers Way, World Of Leisure , comments closedComputer games are one of the most exciting forms of computer entertainment in the planet these days, & several thousand computer games products are sold annually.
The attractiveness of computer consoles means that games makers such as Nintendo, Sony and Microsoft are continually inventing new devices incorporating the newest equipment to stay ahead of each other in the console marketplace.
Consequently, knowing precisely which games product to opt for might be hard, whether you are getting a computer product for the very first instance, purchasing one as a present for someone else, or purely wishing to replace their current computer device.
So we have created the subsequent piece to the kind of things you should ought to be looking for when selecting and acquiring a games product to help you find your way around the video market.
How to Pick a Video Console
There are plenty of important things that you would be advised to ponder before deciding on a games product in order to make sure that you purchase the best computer games product for yourself. Here are a couple of the things you ought to chew over when making your choice.
Selecting a Video Games Device ? Portable or Home Video Consoles If you’re planning to buy a games console this summer then compare prices at Toy-Shoppper.co.uk.
One of the first choices you are having make when browsing for a games product is whether or not you yearn for a computer games product which will chiefly be played at home, or whether you call for a portable handheld computer device.