Text Loans UK : Get money by sending text !!
Text Loans UK : Get money by sending text !!
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Categories: Loan Market Tags: financial worries, funding higher education, Loans, Money, Product, sending, Text, text loan, text loans uk, textloans
Going Green in Business: Saving Money And The Planet
Going Green in Business: Saving Money And The Planet
As our awareness of our environmental impact grows, more and more businesses are looking to decrease their carbon footprints and lower their impact on the world around them. While this is an admirable sentiment, there has to be a benefit for the business in doing so, otherwise there is no incentive for change. So how can a small company lower its carbon footprint while ensuring there is a business benefit in doing so?
Firstly, a small business needs look at its own areas of environmental impact. These are broadly the same for all businesses, large or small but are particularly controllable for smaller firms. They’re also very predictable and blindingly obvious although few businesses seem to be addressing them effectively.
Heating and lighting.
Utility charges for businesses are often seen as necessary, but uncontrollable, costs. This doesn’t have to be the case. Yes, you will always incur costs for heating and lighting your premises, or paying your phone bills, but any business can control the costs with a few sensible measures.
If you have fluorescent lighting in the workplace, you’ll probably have heard it said that it’s cheaper to leave a fluorescent light switched on all the time than it is to keep switching it on and off. This is a myth. If you are not using a room, turn the lights off. Better still, for a small investment, you can install occupancy sensors in your workplace rooms that will put the lights off automatically when no one is around. The savings available from this kind of common sense approach are not to be ignored for any business. Any decrease in your power usage is not only a reduction in your carbon footprint, but a reduction in your utilities costs.
Have your premises surveyed for heat loss and insulation. Many of the utility companies will do these checks for free or for only a nominal charge. Talk to your utility company about what savings can be made to help you decide whether the investment on improved insulation is a short or long term investment. In other words, how long it will take your business to save the money it has invested. Whether your buildings are heated using electricity or gas is irrelevant. A reduction in the cost of your general utilities is a reduction in your demand for power and therefore a reduction in your carbon footprint and your environmental impact.
As a larger investment with longer pay-back periods, many power-hungry businesses are now looking seriously at installing independent renewable power systems such as wind turbines or solar panels to provide power specifically for their needs. Not only does this decrease environmental impact but it makes the business more self-sufficient and sustainable for the future: a win-win situation.
Travel and commuting.
Every business has direct and indirect environmental impacts. While the heating and lighting of premises could be seen as a direct impact, travelling and commuting could be seen as an indirect impact. By reducing the need to travel on business, the demand for emission-heavy transport is reduced while lowering the costbase of the business. In the technology driven environment of today, the need to physically visit a person or place can be reduced through the use of facilities like conference calling, video conferencing or web chat.
Reducing travel directly related to doing business is a fairly obvious way of reducing your environmental impact and saving money at the same time, but what about the everyday commuting travel of staff? Again, technology can help in this respect as secure IT dial-in facilities become more common and widespread access to broadband internet makes remote working more of a realistic proposition. A great many companies are exploring the concept of teleworking, or working from home. Not only is the environmental impact of commuting reduced, but the company can make savings as a result of the person not needing to occupy business premises.
The paperless office.
It’s well known that the environmental impact of paper production is enormous, let alone the emissions associated with transporting it. Anything that can be done to reduce paper usage significantly will help to reduce the demand for new paper and the associated deforestation traditionally associated with it. If you just want to reduce the impact of buying and using paper for normal office tasks, try getting recycled paper. The standard of recycled paper is now much higher than in the past. If, however, you really want to reduce costs, you should be looking at making your business as paperless as possible. Investment is generally required to allow you to get paper documents you receive from elsewhere into your IT and storage systems, but these costs can be very quickly recouped through paper and stationery savings. Time and effort will also have to be spent examining processes to ensure they don’t drive the use of paper, making it more difficult to change.
If, like most modern businesses, you rely heavily on e-mail and network storage drives, you’ll probably find you’re already closer to achieving a paperless system than you think. The biggest hurdle will be the change in culture required to persuade people that reading on screen is just as effective as reading a hard copy document and storing a file online is just the same as storing it in a binder on the shelf.
As you dig further into how to reduce your company’s impact on the environment, you’ll see that carbon footprint reduction, more often than not, goes hand in hand with common sense business savings that most firms should be pursuing as a matter of course. Reducing emissions and demand for environmentally damaging goods and services is common sense not just for companies with high profile green credentials but for every business looking to be both successful and socially responsible.
Written by PeeJay
Web content and article writer
Categories: Small Business Investment Company Tags: Business, common sense approach, Going, Green, Money, Planet, Saving, sensible measures, web
Show Me the Money: 7 Cash Stashes for Small Business Start-ups
Show Me the Money: 7 Cash Stashes for Small Business Start-ups
As a small business start-up coach, I get asked a lot of questions. The most frequent one: Where do I get start-up cash?
I’m always glad when my clients ask me this question. Their readiness to take financial responsibility for their business is a sure sign that they’re serious about starting it.
Not All Money Is the Same
There are two types of start-up financing: debt and equity. Consider what type is right for you.
Debt Financing is the use of borrowed money to finance a business. Any money you borrow is considered debt financing.
Sources of debt financing loans are many and varied: banks, savings and loans, credit unions, commercial finance companies, and the U.S. Small Business Administration (SBA) are the most common. Loans from family and friends are also considered debt financing, even when there is no interest attached.
Debt financing loans are relatively small and short in term and are awarded based on your guarantee of repayment from your personal assets and equity. Debt financing is often the financial strategy of choice for the start-up stage of businesses.
Equity financing is any form of financing that is based on the equity of your business. In this type of financing, the financial institution provides money in return for a share of your business’s profits. This essentially means that you will be selling a portion of your company in order to receive funds.
Venture capitalist firms, business angels, and other professional equity funding firms are the standard sources for equity financing. Handled correctly, loans from friends and family could be considered a source of non-professional equity funding.
Equity financing is usually a larger, longer-term investment than debt financing and often involves stock options. Because of this, equity financing is more often considered in the growth stage of businesses.
7 Main Sources of Funding for Small Business Start-ups
1. You
Investors are more willing to invest in your start-up when they see that you have put your own money on the line. So the first place to look for money when starting up a business is your own pocket.
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Personal Assets
According to the SBA, 57% of entrepreneurs dip into personal or family savings to pay for their company’s launch. If you decide to use your own money, don’t use it all. This will protect you from eating Ramen noodles for the rest of your life, give you great experience in borrowing money, and build your business credit.
A Job
There’s no reason why you can’t get an outside job to fund your start-up. In fact, most people do. This will ensure that there will never be a time when you are without money coming in and will help take most of the stress and risk out of starting up.
Credit Cards
If you are going to use plastic, shop around for the lowest interest rate available.
2. Friends and Family
Money from friends and family is the most common source of non-professional funding for small business start-ups. Here, the biggest advantage is the same as the biggest disadvantage: You know these people. Unspoken needs and attachments to outcome may cause stress that would warrant steering away from this type of funding.
3. Angel Investors
An angel investor is someone who invests in a business venture, providing capital for start-up or expansion. Angels are affluent individuals, often entrepreneurs themselves, who make high-risk investments with new companies for the hope of high rates of return on their money. They are often the first investors in a company, adding value through their contacts and expertise. Unlike venture capitalists, angels typically do not pool money in a professionally-managed fund. Rather, angel investors often organize themselves in angel networks or angel groups to share research and pool investment capital.
4. Business Partners
There are two kinds of partners to consider for your business: silent and working. A silent partner is someone who contributes capital for a portion of the business, yet is generally not involved in the operation of the business. A working partner is someone who contributes not only capital for a portion of the business but also skills and labor in day-to-day operations.
5. Commercial Loans
If you are launching a new business, chances are good that there will be a commercial bank loan somewhere in your future. However, most commercial loans go to small businesses that are already showing a profitable track record. Banks finance 12% of all small business start-ups, according to a recent SBA study. Banks consider financing individuals with a solid credit history, related entrepreneurial experience, and collateral (real estate and equipment). Banks require a formal business plan. They also take into consideration whether you are investing your own money in your start-up before giving you a loan.
6. Seed Funding Firms
Seed funding firms, also called incubators, are designed to encourage entrepreneurship and nurture business ideas or new technologies to help them become attractive to venture capitalists. An incubator typically provides physical space and some or all of these services: meeting areas, office space, equipment, secretarial services, accounting services, research libraries, legal services, and technical services. Incubators involve a mix of advice, service and support to help new businesses develop and grow.
7. Venture Capital Funds
Venture capital is a type of private equity funding typically provided to new growth businesses by professional, institutionally backed outside investors. Venture capitalist firms are actual companies. However, they invest other people’s money and much larger amounts of it (several million dollars) than seed funding firms. This type of equity investment usually is best suited for rapidly growing companies that require a lot of capital or start-up companies with a strong business plan.
Conclusion
Start-ups often take more time and money than budding entrepreneurs are prepared to handle. Still, with the right source of cash, there is no reason that you need to live off Ramen noodles in order to get your start-up running.
Susan L Reid, MS, DMA, Small Business Start Up Coach & Accidental Pren-her™ is the soon-to-be author of Discovering Your Inner Samurai. She provides value, inspiration and direction for entrepreneurial women starting up and launching small businesses. For ideas and start up tips, subscribe at http://SuccessfulSmallBizOwners.com for your free e-Zine today. To read about what’s inspiring other pren-hers, go to http://susanreid.typepad.com
Question by BenB: Legal ramifications of starting an investment advisory?
I am a dual masters student (MBA and MSc. in Financial risk strategy) at a leading business school. Several friends and I invest independently in equities and options, and have received many requests to invest on behalf of friends.
We would like to start a small investment management service, where we would set up a company trading account, deposit ours and our clients money to the account, and trade on behalf of ourselves and our clients. What are the steps that we need to take to do this legally? Do we need to register with the SEC as advisors? Do we need Series 7 certification?
Any knowledge would be greatly appreciated.
Best answer:
Answer by jeff410
Look up the Investment Advisors act of 1940. And inquire with your state securities regulator or your Secretary of State.
Know better? Leave your own answer in the comments!
Categories: Small Business Investment Company Tags: Business, business start ups, Cash, commercial finance companies, Financing, Money, Show, Small, Startups, Stashes
