Top Financing Options for A Start Up Business

Business needs financial support as well as planning. If a business gets proper planning along with appropriate financial support to implement the plans in real life then there will be a great chance that the business will get the success. Businessmen know that it’s hard to arrange financial support for a business. There have many reasons for that, people don’t want to believe in a business which is just placing its first step in the market. But still there have many ways and by using them, a businessman can collect financial support.

Small Business Start-up Loans

Small business start up loans are the great options for start up trade owners. It offers a great opportunity for those who are seeking financial support for their small trade. Basically, a wide range of small business loan startup loans are available in the market but among them, SBA loans are the most famous option. A businessman can use the SBA fund for various purposes such as inventory purchase, rent a business place or pay to the employees. So, you can easily use them for many sectors in your business.

Getting commercial loans are nowadays not a hard task if you have all necessary things. You can easily get an SBA lender in your locality. Besides this, nowadays many online lending institutes are available and you can contact them through the internet.

Credit Cards

If you are not getting commercial loans then you can turn yourself into a credit card. This process is not uncommon for startups. Many traditional lending institutes such as banks offer credit card designed especially for small business which is far better than a personal credit card. A debtor should keep in mind that using a credit card loan is very expensive based on the rate of interest but if you are out of options and you need fund then it is also a great option for you. But before accepting the credit card loan make it sure that you have learned all the terms and conditions and then you should sign on it.

Family and Friends

The very first rule of a business doesn’t mix business with pleasure. If you have the option to debt money from a family member or a dear friend then why you will search outside investor. The benefit to family and friends is that you don’t need to search for commercial loans. Having commitments from friends and family also can help you establish credibility when you’re looking outside investors. If your nearest and dearest don’t believe in your idea, why should other investors? Very often, friends and family is a good source of funding. Besides all of this, if you have decided to collect your required fund from a group the make it sure that everything is written.


Your own savings can help you to come out from business financial needs. This option offers you freedom and control in the business. But it is also important to understand that you are giving your backbone to your business. It is also a very challenging work to determine what percentage of your personal savings to use. You may want to keep part of your savings account reserved to help you cover the first several months of expenses should revenue not pour in immediately. You need to understand that this option is a very challenging option because you are investing your financial support to your business. It is advisable to review your options with an expert before proceeding.

Source by Carlton Mansour


Brexiteers in warning to German business

John LongworthImage copyright

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John Longworth will say British business will cope with whatever is thrown at them

The German economy will pay a “high price” if its leaders make life hard for the UK over Brexit, British pro-Leave campaigners are to warn.

John Longworth, co-chair of Leave means Leave, and ex-minister Owen Paterson will sound the warning at a major German business event on Saturday.

Britain will “walk away” if the deal is not right, Mr Longworth will say.

Theresa May has said it will be an act of “calamitous self-harm” for the EU to try and punish the UK for leaving.

The prime minister has said she wants the UK and the EU to be “good neighbours” in a constructive, new partnership after Brexit.

But she has warned that no deal will be better than a bad deal at the end of two years of negotiations – which are expected to start in April.

Mr Longworth, former British Chamber of Commerce director general, will echo these views at the Berlin event – attended by German ministers, business, academia and media.

“It is entirely sensible for businesses across the EU and Britain who wish to work and trade together to continue to do so and it would be helpful if the British and German governments, as well as key figures in the EU, work towards this goal,” he will say.

“If the German Chancellor and EU leaders continue down the road of negativity and threats when negotiating with Britain, German business and the German economy will pay a high price.”

‘Voice of business’

He will warn German businesses that the UK will revert back to World Trade Organisation rules “with ease” if it offers a bad deal.

He will suggest that the government could simply “compensate” business for any tariffs that are imposed on goods and services as a result.

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Car markers have expressed concerns about tariffs and other trade obstacles

“We want a system whereby free trade will continue, but in order for this to happen, you need to make representations to your government and the EU,” he will say.

“The voice of business must drown out that of the bitter politics of the EU project.”

Mr Paterson, a former environment secretary, will warn that “cack-handed” negotiations could have serious consequences for German exporters.

“Germany and the UK have a mutual, strategic and selfish interest in maintaining reciprocal free trade,” he will say.

“It is vital that businesses in key member states such as Germany are listened to carefully during the negotiations.”

Organised by Tönissteiner Kreis, a network supported by the main German industry federations, the gathering will explore the future of British-German relations after Brexit.

Foreign Secretary Boris Johnson has warned the rest of the EU against “punishment beatings” in the manner of a World War Two movie.

His comments were criticised by Labour and other opposition politicians.

Business Triage

What do Tylenol, New Coke, Jack-in-the-Box, Bag Leaf Spinach, Katrina and the World Trade Center have in common? They were all disasters. More specifically, they were all business disasters, and the outcomes of each of these disasters was completely dependent on managing needs and resources.

But what does triage have to do with business?

If a business is doing well, absolutely nothing.

However, in a global economy where labor is cheaper for "the big boys" overseas and markets are flooded with less expensive goods, where disgruntled employees or other malcontents take out their frustration on a business directly or its customers there are few businesses that do not regularly suffer a disaster. The problem is, they do not know how to recognize one when it comes.

The first lesson from the disaster field office are the definitions: a disaster is when your needs exceed your resources. It's a simple mathematic equation:

Disaster = Needs> Resources

A catastrophe is when your needs exceed all ability to respond. Again, it's a simple mathematical equation:

Catastrophe = Needs> Ability to Respond.

Resiliency is defined in many ways. One definition is even of a book on the subject, Mastery Against Adversity (Disaster Life Support Publishing, 2007). But the simplest definition is that resiliency is the opposite of disaster. It is when your resources exceed your needs, or mathematically:
Resilience = Resources> Needs.

The second lesson from the disaster field office is every business must have resilience to survive its disaster.

The third lesson from the disaster field office is that there are acceptable losses. Several years ago when New York City suffered its most recent blackout Arnie, who owned a small convenience store and ice creamery faced a business triage decision. With the power out he had ten flavors of ice cream in the cabinet that would soon melt. At 5 gallons per flavor there was slightly less than 50 gallons of ice cream up front. This was a small loss, but it would be compounded by the fact that he had over 100 gallons of ice cream in the back.

Arnie knew that he had a disaster on his hands. His needs (refrigerator) exceeded his resources (electricity). Arnie needed to make a simple triage decision. He had to decide where he could focus his efforts and his remaining resources so that his business would in fact reopen when the power came back on. He also needed to plan for as short a recover as possible. It takes a lot of effort to get rid of over 100 gallons of ice cream and a lot of dumpster space. The clean-up would be horrendous and if the disaster lingered too long his store would be filled with stench of sour milk and rotting ice cream.

Arnie ran a neighborhood store and his customers had already been in to purchase what he had on hand. With an old cigar box he had given up his computerized register and was going business "the old fashioned way". But what to do with the ice cream?

Arnie does not know if he was the first store owner to think of it, but in the sweltering heat Arnie struck upon an idea, give it away. After all, what would he be losing? The product would be ruined before refrigeration could be returned. So he simply gave away the ice cream. A small handmade sign in the window soon drew people in off the street. "Free Ice Cream.

In no time he had a line. He was giving away the ice cream, but what to hold it in? Ice cream cones! The cones were actually cheaper than Styrofoam cups, and Styrofoam have an unlimited shelf life. Would the ice cream cones go bad during the blackout? No, but you can not give people ice cream in their hand, and the small loss in the cost of ice cream cones was less than the larger loss than the cost of Styrofoam cups.

To Arnie's amazement, many people tried to pay him for the ice cream. Wanting to get rid of it as quickly as possible, before it all went bad and he had to carry it out back where it would create a horrendous stench, he simply refused. To his greater amazement people began to buy other items in the store, items that in all likelihood he would not have been able to sell at that moment in time simply because before the free ice cream sign he did not have many customers. Before he had given away all the ice cream, Arnie found that his store shelves were bare and his cigar box overflowing. His acceptable loss, the ice cream, had gained him an unexpected profit.

But that's not the end of Arnie's story. The power came back on and Arnie was re

Source by Maurice Ramirez


Companies enthusiastic about Trump’s pro-business talk

Former Sen. Scott Brown, (R-Mass.), on the negativity and enthusiasm surrounding Donald Trump’s presidency and the Trump dinner at Washington, D.C.’s Union Station ahead of the inauguration.

Business Pain or Business Gain?

Before we begin a thorough discussion of business pain, let's take a look at what it really means. The words Business Pain are batted around by almost everyone I talk to in the marketing and sales fields. It is probably one of the more misused words when describing the help a company needs to become more efficient and effective. When you try to find out what a business worries about, you will find that you get a different answer from each person you talk to in the organization. That is because the "business pain" will be different for each department or section. The sales force will likely tell you that the pain is not getting orders out on time. The order department will say that the sales force over promises, the administration will say that expenses are too high, and the executive will say that there are not enough profits. All of them will be correct. So how do you determine what the real pain is?

If you begin with the top decision makers, they will have an overall picture of where they think there company should be in the way of market share and profitability. This big picture will show you where they currently are and where they want to go. It is here that the decisions are made to make improvements. It is also here that the risk is identified and the plans to alleviate the pain are put together. If you want the true definition of business pain, start with the CEO and then piece together the other parts that cause the pain as described.

Nothing is more thrilling than working with a company that can define what it is that they are not doing right. Unfortunately, most companies are not able to pinpoint their problems with accuracy. They can see the symptoms but usually not the probable cause. So when you learn about the business pain, you should be prepared to offer solutions that fit the problem.

Source by Bette Daoust, Ph.D.

Start Your Own Photography Business from Home

Anyone with the right camera equipment, and the necessary skills can set up a home business, marketing photography. You need only to convert a room of your house into an office, and then you can work immediately.

With modern technology in the form of SLR digital cameras, you do not even need the room for a dark room. You need only to have a personal computer and a photo-editing program. The standard is Adobe Photoshop.

It is not necessary to clutter yourself with equipment you do not need. You can hire equipment on and when you need it basis. You have the freedom to work part time for a while until you can devote yourself full time to photography. All you need to be is a serious photographer. There are two types of photographers that makes their living from photography, the serious photographer and the very serious photographer. You can always bookmark this link and then you can quickly access just about all you'll ever need from here.

Whilst the technical skills needed to make a successful photographer have never been easier, other aspects have changed the business. The market for photographs of virtually every type has widened, the world seems to have an insatiable appetite for photographs. However the price has fallen as the marketing net has broadened. Photographers are needed in many more fields. For instance many people use car web sites, they simply did not exist ten years ago, and they sell their products as a result of photography. Cameras used by scuba diver's are now an excellent quality, and whilst they are initially expensive, they have forged a new market. People celebrate special occasions more with photography, than they did years ago. The travel and advertising markets have a greater need for landscape, travel and nature shots.

It is now easier than ever to turn your dream into reality and create a worthwhile business out of an engrossing hobby. However in today's modern world there is more to it than simply pointing a camera, and shooting a picture. You need to be aware of marketing techniques, and here marketing simply means transferring ownership of a product, in this case an image from a buyer to seller. You also need to be aware of any local gaps in the market in your local area. You should also try to be on top of your competitor's prices, to undercut an existing photographer is one choice, but to neglect to value your skills and not charge enough to cover your overheads is another matter entirely. Remember this, its an important point.

Use your skills to the best advantage of the business and define what you want from it. Writing a business plan helps to keep you focused on the areas you specifically want to exploit. A business plan helps you to define your goals and strategies, it will be changed and updated, but it will help you, to keep things in perspective. You can then refer back to it when things become confusing or complicated. Everyone's business plan will be different, as every objective will be different, but there are certain common factors that make up a good business plan which will help your business grow. It allows you to develop a professional attitude to your business, which not only helps you to increase your earnings, but also help you to finance your business.

For the photographer it should include, your business name, or your own, with full details of the proposed location of the business, a copy of your logo, as well as details of your copyright notices. What is the form of your proposed business (sole ownership, partnership, Limited Liability Company or Corporation). This should be followed by a table of contents, which focuses on a logical order. There are resources that will give you further details on such as

Included after this should be the type of business you intend to pursue, in a fair amount of detail, and it should contain the services you intend to offer. This section should include any future gaols or avenues you would like to explore, stating your clear objectives. This is so you can check at a later date whether your objectives are on course, or if you have got sidetracked.

If you envisage at any time you may need financial help, then you should include your personal business history.

You should also state a clear and concise marketing plan that should demonstrate how your business will differentiate from the businesses of your competitors. You should be able to establish whom your customers will be, as well as where your market will be, as in wholesale or retail or a combination of both. You should also be able to determine how long this type of market will be available to yourself.

The next section should clearly define your opposition, as well as their strengths and weaknesses. This should include the ways you may be able to exploit any gaps in the market in the specific area where you live. A section should follow this on how you intend to market and promote your individual services.

A financial segment should be included as to how you intend to manage the day-to-day bills of the business. How you intend to price your services, and what factors influence this pricing structure, which includes a section on your competitor's financial structures. This means a fair amount of detective work as well as homework. Get your friends to ask from quotes from the local competition. Or try an even more direct approach, tell your competitor's that you intend to start a new business, and that you do not want to undercut them, as this reduces the cake for everyone. They may well offer to help you construct a pricing structure that ensures everyone's livelihood. It is in their interests to help. Not everyone will be cooperative, but it may mean you can get a truer picture of the market factors that govern your area.

Make a list of all the equipment you will need in your first year, as well as how and where you intend to purchase. Note any difficulties that may arise in obtaining your supplies. Note whether the prices of your supplies have a seasonal fluctuation, that may help you influence you when to buy. You should make a note of any local licenses that will be necessary, as well as any zoning restrictions, that may restrict the growth of your business. Your neighbours may not be thrilled at a procession of customer's to your door, check whether they can restrict your services. Make a study of all your business insurance requirements.

The final segment should be devoted to how you intend to finance the growth of your business, as well as isolating what your financial needs will be. This should include a projection on your future earnings, as well as an accurate assessment of your outgoings'. This should be assessed on a monthly basis for the first year, and on an annual basis for the following three years. An important aspect of the financial statement is an assessment of the break-even point of your business, in other words the minimum you will have to take to pay your expenses.

The purpose of this documentation is to allow you to enunciate what the core elements of your business will be, in doing this it should help you to be able to quickly evaluate the success of your business objectives. If you are not clear on your objectives then you can not possibly make a plan to bring about the success of those objectives.

Source by Roy Barker


Some Questions About Intel Corporation’s Fledgling Foundry Business

More than three years ago, microprocessor giant Intel (NASDAQ: INTC) told the world that it would “open foundry to any company able to utilize [its] leading-edge silicon.”

Image source: Intel.

In other words, it signaled to investors that it was ready to get more serious about trying to make money from building chips for other chip design houses.

Over the past several years, some companies have announced manufacturing deals with Intel’s contract chip manufacturing division, called Intel Custom Foundry (ICF). These have typically been smaller chipmakers, often opting to build just a small portion of their product portfolios at Intel.

Back in August, Intel went into a little more detail on its strategy in regard to contract chip manufacturing. The company highlighted that its two focus areas for the business would be on mobile applications processors and on chips aimed at network infrastructure.

Although Intel has done a reasonable job of explaining its high-level strategy for this business, there’s one thing that’s been sorely lacking: a financial perspective.

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What I’d like to see Intel talk about

Every so often, Intel will talk about its technologies or even announce new customers, but it’s hard at this point for investors to get a good sense of what kind of financial contributions Intel is expecting from this business over the long term.

Today, the revenue contribution from contract chip making is pretty much zero to Intel — its highest-profile customer was programmable logic specialist Altera, but Intel scooped the company up before the first product of their collaboration emerged.

The Stratix 10 FPGA is built using Intel’s 14nm technology. Image source: Intel.

Intel has said that China-based smartphone chip maker Spreadtrum and smartphone maker LG would be using building chips at ICF, although it will likely be some time before revenue from those customers starts coming in, since neither LG nor Spreadtrum has launched Intel-built products.

And, naturally, Intel hasn’t given much guidance on what kind of revenue it expects to generate from these deals.

Although it’s still early, at this point Intel should have enough visibility into its design win pipeline to get a rough sense of what kind of revenue and revenue growth trajectory it expects to see from its contract chip manufacturing business over the next couple of years.

With that in mind, here are the key points and questions I’d like to see Intel address at its February investor meeting in regard to ICF:

  1. When will Intel start to generate enough revenue from ICF so that those revenues are worth reporting to investors? What kind of revenue growth rate is Intel projecting from this business over the next three to five years?
  2. Does Intel believe that it can successfully win over major high volume mobile customers, such as Apple (NASDAQ: AAPL), Huawei, or MediaTek? If not, is this business still worthwhile to pursue?
  3. Can Intel successfully build chips for network infrastructure customers without significant risk of those customers competing with Intel’s in-house products? Would Intel be OK with such competition?
  4. What kind of gross profit margin profile is Intel targeting from its ICF business?

Why this matters

If Intel can generate meaningful incremental revenue by building chips for others, then that would be a good way for it to increase shareholder value. However, before getting too excited about the prospects here, it’d be nice to see Intel provide some insight into what it’s looking to achieve financially in this business, as this is what ultimately matters.

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Business Ethics at a Family Business

Morality can be defined as the principles that an individual or a group has about what is right and wrong or good and evil.

How can we distinguish moral principles from barometers that are not moral?

* The main aim of ethics is to construct a body of rules which a person feels reasonable to hold based on careful thought.

* Ethics is the activity of examining the significance a society or of an individual. Whether the standards are reasonable or not and how to apply the same in particular situations are examined by ethicist.

* While at a Family Business it is important to know about Business Ethics which is an inquiry of ethics in the field of business.

* Business Ethics mainly concentrates on maxim that: a business, organizations, and

3.individuals within the business organizations and

4.individuals who deal with business organizations have to evaluate and follow in their day to day dealings and decisions.

* Business Ethics is studied at three levels:




Systemic issues deal with economic, political, legal, and other related systems within which production and distribution activities are carried out. Issues like capitalism, regulation of business also are related to systemic ethics.

Corporate concerns and corporate citizens issues fall under the category of corporate ethics.

Individual Ethics is more concerned with Moral reasoning, wherein actions are judged with reference to moral standards. It involves knowledge of moral standard and knowing whether situation needs the application of moral standards or not.

* Moral reasoning needs to be logical, accurate, relevant and complete. Consistency in the moral standards is essential.

Ethicist suggests five characteristics to identify moral standards.

1. Rules that deal with matters which people think can seriously injure or seriously benefit human beings.

2. Standards are not established or changed by political or legal authoritative bodies. The validity of moral standards rests on the adequacy of the reasons.

3. Principles are preferred to other standards including even self-interest when choice is there.

4. Precepts are impartial. They are based on impartial reasons that an impartial observer would accept.

5. Morality is associated with special emotions. When people act in violation of a moral standard, they feel guilty, ashamed, and remorseful.

Source by Martin Federer

The Fixation Behavior of an Autistic Child

Fixation is a common characteristic in the behavior of an autistic child. The child may be fixated on a book, a picture, a person, maps, music, numbers, or a movie. Whatever the fixation, the high functioning autistic child will become a resident expert on the subject. They will memorize and will be able to regurgitate in rote the exact amount of information they are fixated on. They may even to be able to read music aloud by sounding out the notes or something more simplistic, your child may be fixated by a music artist and have all their songs memorized.

Fixations can be a good thing. The old method of taking the fixation away from the child has been replaced with the idea of using the fixation to facilitate learning. If a child is fixated on a certain television cartoon, turn the sound off and let them read through close captioning what is going on. If they all the words to the program they are fixated on, they will soon begin to associate the words with actual audio sound. Not only does this placate the fixation, but it uses the fixation to stimulate learning in a new medium.

A little know fact about communication and fixation was what the autistic child looked at when they fixated. A research study that looked at video tapes of autistic children interacting during play showed that most of the time during verbal communication the child would fixate of objects instead of faces. When the child finally gave the person talking eye contact, the item of fixation was the mouth instead of the eyes. You can use this fact to be conscious of how your mouth moves when you are talking. If you get a positive reaction from a word, it may not be the word that motivates your child; it may be the position in which your mouth was in.

The eye contact problem has been addressed by research and the fixation of the mouth area mystery has been solved. Researchers say that the amygdale is responsible for creating a fear by looking in a person’s eye. Can you imagine not being able to look anybody in the eye because your brain registers their eyes as a threat? This is sad because for years teachers and parents have emphasized eye contact as a behavior change when actually they were making the students learn to deal with their terror.

Remember that fixation may be much more involved than just an over exuberant liking of one thing or another. The fixation may be a bridge between understanding and association. The fixation can be manipulated to a learning experience that not only contains the fixation information but adds everyday concepts to the fixation experience. Use all the senses when presenting something about the fixation and the concepts you want addressed. Let there be smells, visions, sound, and touch. If one sense does not make the connection then maybe the other sense will pick it up.

The fixation is not just misplaced attention to one subject. It is something that they can grasp and of course they are going to like it when they are actually communicating knowledge they are going to be successful at. Their brain has finally found a place of function and normalcy. To stifle their creative and learning experience by taking away their fixation may be a huge mistake. If the fixation is healthy and no a danger to the child, then embrace it and expand on it. The fixation and the concepts you teach in the alignment of that fixation can make your child’s life easier and happier.


Donald Trump’s business conflicts

Here is a look at some of Donald Trump’s most troubling foreign business conflicts.