#townees

[parksanddolls]

[simuleturque-blog]

Find financing and venture capital for your business

Most people who go into business is a bit delayed at the thought of risking their own money. They do not go to banks, friends or family for money and will even brag about how smart it is to get their business going but to put their money in danger. This type of thinking when you start a business is dangerous and it shows a lack of confidence in their own business. Anyone who wants to invest in the business for someone who was not willing to risk their own capital makes a big mistake and you will find very few out there that will do this.Your own money is always the best thing to use when starting a new business . It's better than having to borrow money, which will need to be paid back with interest and out of the company's activities. So, your first true source of capital your own savings. If you have managed to save several thousand dollars by working for a few years before starting your own business you have to at least the seed money needed to get your business started. Doing it this way will mean that others will have more confidence and faith in your new business and be more willing to put their money in the business. That and using the list below will be the best course of action when trying to come up with financing or venture capital for your business. Personal property that you own. If you own a building or second homes, land, a car or any other tangible asset, you can either sell it or take out a second mortgage on it to raise capital for your new business. This also applies for life insurance you may have that has built up a cash or loan value. If you borrowed against a life insurance policy interest rate would be lower than for a bank that works to your advantage when repaying the loan. Plus, the loan would almost never be paid back because, when you die the insurance company would simply deduct the outstanding loan balance the benefits of policy. Family and friends. This is another useful way to raise capital for new enterprises. Discuss the possibility with family and friends and do not forget about the great uncles and third cousins. You can borrow money as a direct loan, or even consider the lender as part owner of the business based on their financial contributions. Another idea would be to establish a company and sell shares of stock to all friends and family who might be interested in making a financial investment in the new company. Banks. If your credit history is acceptable, you have a savings account, keep a steady job, you should have no trouble getting a loan from a bank of several thousand dollars. Most banks will provide a loan that matches what you have in your savings account. That way your savings account will continue to earn interest as you pay the loan back in installments. Unless you have a savings account or personal account with a high balance, you will find that most banks are not interested in borrowed money for a new business venture. They will not even consider a loan unless you can prove you have enough starting capital of your own. With enough, I mean at least 50% of the money needed to start the business. To get the attention of the bank, only to show that you have at least 50% of the necessary capital, then give them a good business plan, a pro forma balance sheet and an operating income statement. Finance. A commercial finance company will require collateral for loans they provide. Pledging your accounts receivable or your business inventory can do this. Interest on a loan from a finance company would be extremely high, so you are much better to try to secure a loan through a bank or another source first. Credit from suppliers. When you work with suppliers who send merchandize to you and bill you for it, giving you thirty days to pay. This is basically lending you the capital for your business. It is known as "trade credit" and is always an excellent source of short-term funding. In order to keep this road open for the duration of your business, it is important to always pay your suppliers on time or earlier that will gradually build your credit rating with them. Leasing. This is close to the trade credit I mentioned above. Equipment you may need such as cash registers, display cases, office furniture and the like can often be rented rather than purchased out right. Leasing these items will help you keep costs down, which means less capital is needed to begin with. Venture capitalists. There are companies and investment groups or even individuals who may be interested in investing in start-up of your business. If your business shows exceptional growth potential of these companies may be interested in furnishing capital for expansion, if they feel they can recover their investment in a couple of years. If you are a minority, you can find funding through a Small Business Investment Company or SBIC. Be sure to check www.nasbic.org for a list of companies that invest in companies run by minoritiesThe Minority Enterprise Small Business investment or MESBIC supplies sustained funding for modernization and expansion as well as its own type capital for minority businesses. The MESBIC is privately owned and operated firm, chartered by the Small Business Administration. The U.S. Small Business Administration licenses both SBIC and MESBIC. Small Business Administration. This body has been designed by the federal government to aid and assist small business concerns in order to preserve competitive enterprise. There are many loan programs that provide financing to small businesses for business construction, conversion or extension, for the purchase of machinery, equipment, goods or materials, and for working capital. They will either be involved with a bank in borrowed capital, or will guarantee up to 90% of the loan. If there are funds available SBA will loan money directly to its owners. The first step when considering such loans is to get a bank interested in lending you money. If the bank turns you down your next step would be to visit with an agency loan officer at an SBA field office to discuss your situation and needs. He or she review the problem and propose an action plan. If the situation looks promising, you will receive instructions to proceed from that point. Whichever way you choose to apply for funding not make the assumption that the source you go to enjoy taking risks or that they should be willing to take a risk just because you feel that you have a great idea for a good business. In fact, they are prepared to take some risk if they feel that the business has a good chance of producing a high return on the money they invest or loan you. Once you understand this, it is clear that your attitude must be clear, backed up with numbers and demographics, and some form of proof that the business will actually succeed and flourish. Make your case a simple case, back it up with a well-written, detailed business plan and you should soon be on their way to make those business dreams.

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[silens1-blog-blog]

Payroll New Hampshire, unique aspects of New Hampshire Payroll Law and Practice

Mayor Michael Bloomberg and New York City Schools Chancellor Joel Klein, together have made sweeping changes in New York City schools. Yet many people question their intentions and use of funds. Creating smaller class sizes, especially in the elementary grades, has long been a priority of most parents, teachers and lawyers in New York City. Many states and cities have passed laws that require smaller classrooms, such as the state of Florida. Studies have repeatedly shown that smaller classrooms improve student achievement, reduce teacher retirement, reduce student disciplinary problems and increase parent involvement. They have proved especially effective for the elementary grades, but smaller classrooms in secondary schools believed to reduce dropout rates, as well. Today New York City schools, classrooms are the largest in the state. The Court of Appeals ruled in the Campaign for Fiscal Equity case, that class sizes in New York City schools was too large to give students their "constitutional right to an adequate education." The public complains that the mayor plans to spend only two percent of the money received from trial to reduce class sizes in New York City schools, yet, he plans to spend ten times that of more school administrators and specialists. According to Gotham Gazette, the mayor and Klein undermine the reduction of classroom size in six major ways: o Ignores State Law - Since 1999, over 500 million dollars have been granted to New York City schools by the state to reduce class size. According to a review published in March by State Comptroller Alan Hevesi was only 20 extra classes in kindergarten through third grade was created last year, compared with 1586 classes in New York City schools officials said had been formed. The audit also showed that officials sharply cut the number of K-3 classes with nearly 900 during the last four years. The classes will now be 19.1 students per class, but they remain with 65 percent of students in classes with 21 pupils or more, and 26 percent in classes with 25 students or more. O Not allowing voters to decide - Over 100,000 New Yorkers have signed petitions last year to put an amendment on the ballot that would require at least 25 percent of the funds paid in New York City schools from the trial will be used for class size reduction. New York City school officials blocked the proposal, stating it was "improper" because New York City schools under the authority of state and need not comply with city laws. Many voters and groups advocating for grabs. O fewer new classrooms Seats are being created - Reporter Leonie Haimson believes the city risks creating more seats in new stadiums than in New York City schools during the Bloomberg administration. The following is the number of new sites added, as the Mayor's Management Report: 22 267 locations in fiscal year 2003, 12,921 years 2004, 8631 2005, 4287 in 2006, and 204 so far this year. Yet all five boroughs are experiencing a development boom in their neighborhoods. In other major cities across the country, developers are being required to provide schools and other community needs as part of their development projects. New York City has no such requirements. Therefore, there are fewer places with no expectation of more being added, although the trend is increasing. Oh no school plans for Governors Island - where the mayor was elected in 2001, he promised to bring a larger high school and university on the island, which has existing facilities sitting vacant, once used as classrooms. According to newspaper sources, are not discussing a plan for a school in that location, and the Governors Island Preservation and Education Corporation has been told to maximize the profit potential of the island. A new school on the island would have relieved a lot of congestion in the other secondary New York City schools. O More Charter Schools created - The mayor is planning to create up to 100 new charter schools, and New York City schools capital plan calls for 74 percent of them will be in the existing New York City school buildings. With the new charter schools that are currently used in New York City schools, classroom space, which means more congestion and more classrooms for the New York City schools. O New administrative positions - The creation of new administrative positions in New York City schools has exploded since the mayor was elected. The city comptroller found in 2005 that New York City schools had lost over 2,000 teachers without compensation within two years, additional crowd more students into each classroom. Educational Priorities Panel, said recently that the amount of money earmarked for education have steadily declined over the first four years of the mayor's administration. Meanwhile, the number of new administrative positions escalated, with only a slight decline in the administrators at the district level. Public concern over classroom sizes are growing, as the mayor and Klein seem to focus on other issues for New York City schools.

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[sicanioque-blog]

DIY Insecticide

Store bought insecticides can often contain harmful chemicals to your plants and family. Homemade insect repellent is a good solution to the hazardous chemicals that are purchased insect repellent. The truth is the insecticides that are high in chemicals is the most effective at removing insects, but they can also be life threatening for people who are around them. The following is a guide to three different homemade insecticides. These homemade insect repellent is a good way to save money! 1st Soap and WaterBelieve it or not liquid soap and water can be a great way to get rid of annoying insects naturally. Mix a small amount of liquid soap to about a liter of ordinary water in a spray container can be a great way to get rid of insects, spray the solution directly on the plants you want to protect or directly on insects to kill. Cayenne pepper, onion and garlic mix makes a concoction that is effective at removing unwanted insects.2. Boric AcidThe boric acid and sugar solution is a major insecticide used to kill household and outdoor ants. The way you make this solution is to add a tablespoon of boric acid to about one liter of heated water, then add 6 tablespoons sugar. Then place the solution in a container that ants can easily get in and out, make sure that this solution stays away from children. The sugar attracts the ants while the acid kills them.3. Chili powder, soap and water spraySimilar the above soap and water spray this concoction adds chili powder or hot sauce. This solution may even kill a variety of insects, including but not limited to, ants, caterpillars and aphids. Just follow the directions first DIY insecticides, but after you mix soap and water solution is added to tobacco sauce or chili powder to the mix, add about a tablespoon of the mixture, but more can be added for increased efficiency. Sources: http://www.articledashboard.comwww.gardeningknowhow.comhttp://www.paystolivegreen.com

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[sibyllam1-blog]

http://oprah.com