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NET10 Wireless Smart Phones – Alcatel, Motorola, Samsung, HTC, Nokia, LG, Emporia, CAT, Catepillar,

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SMART PHONES

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International service available for calls originating from U.S. and Puerto Rico only. No international roaming. Personal use only. IMPORTANT NOTICE FOR CUSTOMERS CALLING MEXICO: Unlimited Calls to cellular phones in Mexico, China, Canada and India every 30 day service period. To minimize unreasonable use, each mobile phone will be allowed to call up to 15 unique destination numbers per 30-day period. The number of personal use calls to these unique destination numbers is not limited and automatically resets when the Account is renewed. Other restrictions apply. NET10 reserves the right to terminate your service for unauthorized or abnormal usage. International service available to select destinations which are subject to change at any time. See Terms and Conditions of Service at www.net10wireless.com for complete details.

*At 2G speeds, the functionality of some data applications such as streaming video or audio may be affected. ††To get 4G LTE speed, you must have a 4G LTE capable device and 4G LTE SIM. Actual availability, coverage and speed may vary. LTE is a trademark of ETSI. Please refer always to the Terms and Conditions of Service at NET10Wireless.com.

All offers are subject to change or discontinuance by Net10 at any time without further notice. Net10 reserves the right to limit quantities and to reject or cancel orders in its sole discretion. Product not for resale or distribution.

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OHosti – Best Free Unlimited Hosting cPanel – Powerful Unlimited Free Reseller Hosting WHM

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Top 10 Luxury Sport Utility Vehicles, Top Ten Luxury SUVs #top #10 #luxury #sport

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Top 10 Luxury SUVs

The standard features of the Jaguar F-PACE 35t include 3.0L V-6 340hp intercooled supercharger engine, 8-speed automatic transmission with overdrive, 4-wheel anti-lock brakes (ABS), side seat mounted airbags, curtain 1st and 2nd row overhead airbags, airbag occupancy sensor, automatic air conditioning, 18 aluminum wheels, cruise control, ABS and driveline traction control, all-wheel drive.

#9 – 2017 Mercedes-Benz GLE400

The standard features of the Mercedes-Benz GLE400 Base include 3.0L V-6 329hp twin turbo engine, 9-speed automatic transmission with overdrive, 4-wheel anti-lock brakes (ABS), integrated navigation system, side seat mounted airbags, curtain 1st and 2nd row overhead airbags, driver knee airbag, airbag occupancy sensor, automatic air conditioning, 20 AMG aluminum wheels, cruise control, ABS and driveline traction control.

#8 – 2017 Lincoln MKX

The standard features of the Lincoln MKX Premiere include 3.7L V-6 303hp engine, 6-speed automatic transmission with overdrive, 4-wheel anti-lock brakes (ABS), side seat mounted airbags, Safety Canopy System curtain 1st and 2nd row overhead airbags, driver and passenger knee airbag, airbag occupancy sensor, automatic air conditioning, 18 aluminum wheels, cruise control, ABS and driveline traction control, all-wheel drive.

#7 – 2017 Cadillac Escalade

The standard features of the Cadillac Escalade Premium Luxury include EcoTec3 6.2L V-8 420hp engine, 8-speed automatic transmission with overdrive, 4-wheel anti-lock brakes (ABS), integrated navigation system, side seat mounted airbags, curtain 1st, 2nd and 3rd row overhead airbag, airbag occupancy sensor, automatic air conditioning, 22 aluminum wheels, cruise control, distance pacing, ABS and driveline traction control.

#6 – 2017 BMW X5

The standard features of the BMW X5 xDrive35i include 3.0L I-6 300hp intercooled turbo engine, 8-speed automatic transmission with overdrive, 4-wheel anti-lock brakes (ABS), integrated navigation system, side seat mounted airbags, curtain 1st and 2nd row overhead airbags, airbag occupancy sensor, automatic air conditioning, 19 aluminum wheels, cruise control, ABS and driveline traction control.

#5 – 2017 Land Rover Discovery Sport

The standard features of the Land Rover Discovery Sport SE include 2.0L I-4 240hp intercooled turbo engine, 9-speed automatic transmission with overdrive, 4-wheel anti-lock brakes (ABS), side seat mounted airbags, curtain 1st and 2nd row overhead airbags, driver knee airbag, airbag occupancy sensor, automatic air conditioning, 18 aluminum wheels, cruise control, ABS and driveline traction control, Terrain Response four-wheel drive.

#4 – 2017 Bentley Bentayga

The standard features of the Bentley Bentayga W12 First Edition include 6.0L W-12 600hp engine twin turbo, 8-speed automatic transmission with overdrive, 4-wheel anti-lock brakes (ABS), integrated navigation system, side seat mounted airbags, curtain 1st and 2nd row overhead airbags, airbag occupancy sensor, automatic air conditioning, 22 forged aluminum wheels, cruise control, distance pacing, ABS and driveline traction control.

#3 – 2017 Lexus RX 350

The standard features of the Lexus RX 350 Base include 3.5L V-6 295hp engine, 8-speed automatic transmission with overdrive, 4-wheel anti-lock brakes (ABS), side seat mounted airbags, curtain 1st and 2nd row overhead airbags, rear side-impact airbag, driver and passenger knee airbag, airbag occupancy sensor, automatic air conditioning, 18 aluminum wheels, cruise control, ABS and driveline traction control, all-wheel drive.

#2 – 2017 Volvo XC90

The standard features of the Volvo XC90 T6 R-Design include Drive-E 2.0L I-4 316hp turbo/supercharger engine, 8-speed Geartronic automatic transmission with overdrive, 4-wheel anti-lock brakes (ABS), integrated navigation system, SIPS side seat mounted airbags, curtain 1st, 2nd and 3rd row overhead airbag, driver knee airbag, airbag occupancy sensor, automatic air conditioning, 20 aluminum wheels, cruise control, ABS and driveline traction control.

#1 – 2017 Infiniti QX60

The standard features of the Infiniti QX60 Base include 3.5L V-6 295hp engine, 2-speed Xtronic CVT transmission with overdrive, 4-wheel anti-lock brakes (ABS), side seat mounted airbags, curtain 1st, 2nd and 3rd row overhead airbag, airbag occupancy sensor, automatic air conditioning, 18 aluminum wheels, cruise control, ABS and driveline traction control, all-wheel drive.

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10 Legitimate Online Business Opportunities #small #business #grants #for #women

#home based business opportunities

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10 Legitimate Online Business Opportunities From Home

Get in on the online hustle

So much of what s touted around the web as opportunities to make money online ends up with the opposite effect. Whether you want to offer your services using a niche online marketplace or monetize your existing assets, the first step is to create your own website as a jumping off point. Next, we’ve done the hard part and checked the reputations of some of these alluring sites and business models to see if they re right for you.

While maintaining a steady flow of revenue as a web worker may seem like a challenge, it s far from impossible. In fact, as of 2013 one in five Americans said that they work from home. If you re looking to join their number, we discovered a few home based online business opportunities that might be just what you re looking for.

Sell Your Own Swag

Are you an artist, designer, illustrator or doodler? Are you working with a brand that has a strong visual identity? Do you simply have ideas for clever imagery or witty words? All you need is an image file with decent resolution, and you can easily make your creation available for purchase on the internet as a t-shirt, tote bag, mug, iPhone case or whatever else you can think of. CafePress is a great site that’ll handle the printing, processing and shipping on your behalf, but there are plenty of others that have good reputations too, including MySoti, Printfection and Zazzle.

The best part is that you don’t need to pay any fees; they only print when there’s an order, and you earn commission on every sale. So you can get creative and promote your products on your website. with ads on other sites, on social media, or wherever else you think you can generate sales.

Complete Microtasks in Your Spare Time

Do you enjoy mindlessly scrolling, finding images, clicking, evaluating data, dragging, writing five-word descriptions or copy-pasting in your spare time? Businesses often need help with these types of microtasks, and sometimes it s cheaper or easier to crowdsource than to write bits of code to do the work.

That’s where marketplaces like Amazon s Mechanical Turk and ShortTask come into play. Here you can take on nano-jobs that pay out a few cents each but are highly scalable and generally don’t require too much attention. Each marketplace has its own stipulations, culture and lingo, though, so be prepared for a bit of a learning curve.

Become A Virtual Tutor

Are you an expert in a niche area of knowledge? Can you teach someone to play baroque concertos on the ukulele? If someone has questions about how to store their power tools, can you give good advice on the fly?

There are dedicated web platforms where you can offer your services as an authoritative coach or tutor in exchange for money. Ether allows you to book paid appointments for phone consultations, with marketing handled by you offsite.

Drop Shipping for Risk-Free eCommerce

Drop shipping is a much-praised hybrid business model somewhere between eCommerce and affiliate marketing. Essentially, it allows you to sell other people’s products on websites that you manage, but with none of the risk. The vendor handles the billing, service and order fulfillment all you need to do is drive the orders and you make commissions.

If you ve built your website with Wix, you can easily add the 365 DropShip Product Catalog app to your website. There are zero costs involved, and you can earn commissions by hosting a full-on eCommerce-style shop on your site with products from several manufacturers and categories.

Leverage Your Social Influence

If you’ve got lots of Twitter followers who click on links you post, you can leverage this asset to make money by sending out sponsored tweets.

There are now several marketplaces where advertisers can post offers, including PaidPerTweet and SponsoredTweets. There’s a lot of volume in these directories, so you should be able to find offers to promote products that are relevant to your community of followers and won’t kill your social media credibility.

Jump On the #SharingEconomy Bandwagon

Sharing is caring. And as it turns out, sharing can also be profitable. Many people today are choosing to do business with independent locals such as yourself whether it s renting your spare room for short-term stays or ridesharing (instead of renting a car), the sharing economy is growing fast.

If you live somewhere that tourists flock to, you might be able to profit from the greater economic ecosystem that comes along with a robust tourism industry. Many tourists today are looking for a more authentic experience, choosing to bypass huge, factory-like hotels for mom pop style rentals. WixHotels provides an easy solution for both renter (that could be you!) and rentee. Best of all, it takes absolutely no commission, letting you have full control of your comfortable new business venture.


If you don’t need your car every day (because you re working from home) you can rent it out with RelayRides. If you do regularly use your car, then you can offer people rides for money using Sidecar. You can also offer quirky special interest tours of your locale on Vayable .

And then there s this cool new startup called Nimber. It s a community delivery service that helps send items with someone going that way, anyway. Senders get a great deal, and Bringers make extra cash on every journey they make, whether it be to the office, shop, or off on a holiday. A leader in the sharing economy phenomenon, Nimber is the perfect way to use the extra space you already have in your car, case, or backpack to make extra money with simple deliveries.

Cook and Host Dinners

Along similar lines, there are plenty of people who are interested in eating out but have grown tired of the anonymous, polished corporate flavors of restaurants. If you can cook up delicious and friendly dining experiences in your own home, it’s easier than ever to reach customers interested in joining you.

Sell Your Collectibles

Are your baseball cards from the 80 s collecting dust in your attic in a box next to your childhood Star Wars action figures? Are you unlikely to ever play that Santana album you have on vinyl ever again? Some items might be obvious in their worth, but you d be surprised to find you have plenty of things that many people would be happy to buy. If you can part with some items, you can make decent money selling them.

Just take some photos. determine fair asking prices, post on Craigslist or eBay. and the inquiries from interested shoppers ought to come pouring in.

Offline Tasks via Online Marketplaces

People are posting one-off jobs in droves on platforms like Redbeacon and TaskRabbit. which means you can make extra money by running errands or performing handyman tasks for people in your spare time.

To pick up these gigs, you’ll need to pass a background check, so get started with building your profile with plenty of notice.

Review People’s Apps

If you’re a gadget junkie, gamer, tech tool lover or an early adopter, you’re likely to get a kick out of Review Roster or AppTaskit. Here you can get paid to try out recently launched apps and write what you think of them. Social proof is a powerful force when it comes to app marketing, so publishers are willing to pay good money for your opinion.

Other Cool Stuff

5 Proven Techniques To Get More Leads On Your Website

20 Original Ideas For Starting A Service-Based Business

Interior Inspiration: Creative Setups for Your Home Office





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10 Free PDF Business Plan Templates #business #research

#sba business plan

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10 Free PDF Business Plan Templates

PDF business plan templates for all types of businesses. / Credit: Tablet image via Shutterstock

Business plan templates come in all forms, shapes and sizes. The beauty of PDF business plan templates, however, is that users can create their own business plans while having a guide or reference point readily available in front of them. Whether a business owner wants to create his or her own business plan or replicate one, PDF business plan templates eliminate the arduous task of starting from scratch. Below are 10 PDF business plan templates to help you get started.

1. SBA business plan template

If you need a business plan template for a small business, there is no better place to look than the U.S. Small Business Administration (SBA). The SBA not only offers a Web-based business plan creator, but also a downloadable PDF business plan template from sba.gov s 8(a) Business Development Program. This no-fuss, straightforward business plan template hashes out the details of a business, with more than 50 prompts to help users answer the questions needed for a complete business plan. [How to Start a Business: Step-by-Step]

2. VA business plan template

Another government organization, the U.S. Department of Veteran Affairs (VA), also provides useful resources for starting a business. In addition to offering a business plan template and financial projections charts, the VA s Writing a Business Plan PDF contains information on why an entrepreneur should create a business plan, basic business plan guidelines and tips on the do s and don ts of writing a business plan.

3. New York StartUP! business plan

Used as the official business plan for the New York StartUP! 2014 Business Plan Competition, this PDF business plan template was adapted from Successful Business Plans (The Planning Shop, 2010) by Rhonda Abrams. Each of the 12 sections of this business plan template includes instructions explaining what type of information to enter, as well as chapter references so you can look up more details. In addition, the template includes a SWOT analysis and optional technology plan.

4. BEC s elevator pitch template

Need a quick and painless, albeit unconventional, business plan? Try the Business Entrepreneurship Center s (BEC) elevator pitch business plan. Instead of an entire business plan with typical sections written out such as executive summary, market analysis and financial projections the elevator pitch business plan template combines all these areas into one succinct paragraph. Find examples at the BEC s downloadable PDF elevator pitch small business plan template .

5. The One Page Business Plan Company s business plan template

Hate the idea of writing out an entire essay for a business plan? The One Page Business Plan Company offers a one-page business plan separated into several sections vision, mission, objectives, strategies and action plans. You can answer all of these sections using keywords and short phrases. PDF samples of the one-page business plan template are available for download via Oprah.com.

6. $100 Startup One-Page Business Plan

Business plans don t have to be complicated. The $100 Startup s One-Page Business Plan template helps users craft a business plan by answering several short questions. You can answer each question in one or two sentences. This PDF one-page template covers everything from an overview of your business to marketing, money matters and obstacle projections.

7. Biz Kids business plan template

Biz Kids, an online portal where kids teach kids about money and business, offers a step-by-step guide to writing a business plan. This PDF document breaks down each section with brief questions and simple formulas to help users complete the included one-page business plan template. Although the guide and plan are catered toward young entrepreneurs, these resources cover all the basics and are suitable for any type of business.

8. Rowan University College of Business sample plan

Thinking about starting a consulting business? Check out Rowan University s sample consulting business plan template. Part of the university s Center for Innovation Entrepreneurship 2013 Rohrer Business Plan Competition, this 30-page PDF business plan template is a comprehensive example of what a consulting business plan entails, complete with financial charts and balance sheets.

9. iPlanner.net business plan template

IPlanner.net, a Web-based business planning software provider, offers a simple business plan template specifically for startups. The downloadable PDF business plan template includes instructions and tips for completing each section, as well as sample charts to help users complete the financial areas of the business plan.

10. SNIEDC fill-in-the-blank business plan

If you want to cover all of your bases, look no further than the Seneca Nation of Indians Economic Development Company s (SNIEDC) PDF fill-in-the-blank business plan template. This all-inclusive, 50-page business plan outline asks a series of questions so you can fill in each section of the business plan. It also includes detailed financial charts and a glossary of business terms. The SNIEDC is a Salamanca, N.Y.-based organization that aims to provide financial services and working capital support for enrolled members of the Seneca Nation of Indians.

Originally published onBusinessNewsDaily.

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  • Top 10 Business Card Printing Services of 2016 #premium #business #cards

    #business card printing

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    Business Card Printing Reviews

    Why Use Online Business Card Printing?

    The top performers in our review are Elite Flyers. the Gold Award winner; Jukebox Print. the Silver Award winner; and 4Over4. the Bronze Award winner. Here’s more on choosing a service to meet your needs, along with detail on how we arrived at our ranking of 10 services.

    While everything is going digital these days, a good business card is still a viable way to get your business noticed. The more flashy, innovative and creative your card, the less likely it is to be tossed into the proverbial pile of business cards and forgotten. While there are many business card printing services to choose from, the companies we reviewed stand out with their large selection of design tools, superior quality, and various printing and finishing options that help you create a custom business card that stands out from the rest.

    In addition to business card printing services, be sure to check out our reviews on business card scanners that you can use to scan cards to a desktop program for easy access later on. While all of the business card printing services on our lineup offer other promotional business items and office supplies, our review of online printing services delves into more detail about the quality and vast selection of promotional items you can purchase from these companies. For more information about these companies, read our articles on business card printing services and other business-oriented services.

    While both offset printing and digital printing create quality products, a good rule of thumb to remember is that offset printing is preferable for specialty colors and for applying certain finishes, such as gloss and ultraviolet (UV) varnishes. Digital printing is a good option for small projects.

    Using an online design tool, you can either create your own business card designs, use a pre-designed business card template or choose from a variety of themed business cards to use as your own. After you have created a card that represents your business, you can view a proof of what the finalized cards will look like and then order them from the printer. Each service offers a variety of paper types, finishes and printing options.

    Business Card Printing: What We Evaluated, What We Found

    When choosing an online business card printing service, consider the service’s printing process, design tools and selection. These features greatly influence the quality of both the service and the product you will receive.

    Print Quality
    For our evaluation, we compared sample business cards from each of the services on our lineup, noting the quality of the ink, paper strength, finish and selection available from each company.

    All of the companies sent a variety of business cards, ranging in paper type, weight and finish. Some even sent samples of other print materials. We evaluated a standard cardstock business card with a high-gloss finish. We assessed the ink quality of those cards, awarding business cards with deep and vivid colors a higher score.

    The best business cards have finishes that make them stand out, such as gloss, UV spot finishing and foil stamping. We looked at a standard business card printed on 14-point cardstock with gloss coating and awarded the services that offered the most durable, shiny and high-quality images a higher print-quality score.

    While our top-rated business card services offered the best quality, the difference in the quality of the ink, paper or finish from one company to the next was minimal.

    Quality of Service
    To determine our overall quality of service score, we evaluated how easy it was to navigate the company’s website, the online design tools it offers as well as customer service before, during and after our cards were shipped.

    Most of the websites are easy to navigate and offer several business card designs you can browse through. However, we found that some services do not display any designs on their website. Instead, you have to open the design tool and browse through stock images or designs to see what types of business cards you can create. These services also typically charge an additional fee to use those designs and stock images.

    Each service has an online design tool you can use to either design your own business card or personalize a pre-existing one. However, our top-rated business card services, such as GotPrint. offer superior design tools with advanced features that help you make high-quality business cards.

    If you prefer using your own design program, each of the business card services on our lineup give you the option of uploading your finished project for printing. Each service has its own file formats it accepts. These requirements can be found on our matrix, on the service’s website or by contacting its support personnel.

    When reviewing online business card companies, we considered the turnaround time, or how long it takes for your cards to arrive after you place your order. Most companies offer a 24-hour turnaround time for rush orders. However, orders generally take a few days to ensure every detail of your card is perfect before it goes to press.

    We awarded companies that sent confirmation emails about our order and shipping details a higher score, since this was not standard. There were several companies we had to contact for updates about our order since they did not send out confirmation or shipping emails. Some orders took several weeks to arrive.

    Our hands-on testing is designed to simulate typical, real-world experiences with business card printing services. For our tests, we evaluated the sample business cards each company offers and used the design tool to customize others. The companies had no input on our testing methodology, and our rankings are not shared with them prior to publication.

    What Else Is Important in Selecting a Business Card Printing Service?

    In addition to the quality of the service, the final product and the turnaround time, you should consider the selection of cards each service offers. While some companies offer cards with vivid colors, it’s not enough to compensate if they do not offer a variety of paper types, shapes, finishes or card features.

    Selection
    We looked at the selection each service offers, including paper type, finishes, shapes, paper weight and whether the service offers specialty cards. With most services, you can choose from a variety of materials linen, cardstock, magnet and plastic. Some online business card companies, specifically MOO. have custom services to print on specialty materials, such as metal and even food items.

    Finishing Options
    While the type of material you print your business card onto makes a big difference in distinguishing your card from the mundane, each service also offers finishes you can apply to your card to help it stand out. We found that spot UV coating helped emphasize logos and made the business cards pop. Our award-winning services, as well as MOO and Vistaprint. offer several finishing options to bring your designs to life.

    Paper Weight
    Business cards need to hold up to everyday wear and tear. Lighter-weight cardstocks can be flimsy and fall apart easily. Using a heavier cardstock not only makes your business cards more durable, it sets them apart from the standard card. The best business card services give you several weights you can choose from. In addition, they offer specialty shapes so you can create round, square and oval business cards.

    Our Verdict Recommendations

    We found minimal differences between the quality of the business cards we reviewed. However, there was a significant disparity in the usability of the design tools, card selection and customer service between the best business card printing services and average services.

    Elite Flyers exceeds other printing services both in the quality of business cards it offers and its customer service. It offers a wide selection of paper types and finishes to make your business card stand out. It has an easy-to-use design tool so you can either create your own design or customize a pre-designed template. We found the service not only processed and shipped our order quickly, but they were helpful with any questions we had.

    Jukebox Print and 4Over4 offer a large selection of high-quality business cards. You can select from a variety of paper types, finishes and even specialty shapes to help you create a unique business card. Both services’ design tools are easy to use and allow for advanced customization.

    GotPrint serves as an affordable option. Not only is this service more affordable than all of the other printing services, it offers a good selection of paper types, finishes and shapes. We found the service offers high-quality prints and helpful customer service.

    Contributing Reviewer: Jessica Stone





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    The 10 Most Reliable Ways to Fund a Startup #business #etiquette

    #start up business grants

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    The 10 Most Reliable Ways to Fund a Startup

    One of the most frequent questions I get as a mentor to entrepreneurs is How do I find the money to start my business? I always answer that there isn t any magic, and contrary to popular myth, nobody is waiting in the wings to throw money at you just because you have a new and exciting business idea.

    On the other hand, there are many additional creative options available for starting a business that you might not find when buying a car, home or other major consumer item. If you have the urge to be an entrepreneur, I encourage you to think seriously about each of these, before you zero in on one or two, and get totally discouraged if those don t work for you.

    Of course, every alternative has advantages and disadvantages, so any given one may not be available or attractive to you. For example, professional investors put great priority on your previous experience in building a business, and they expect to own a portion of the business equity and control for the funds they do provide. These are tough for a first-time entrepreneur.

    Thus it is always a question of what you qualify for, and what you are willing to give up, to turn your dream idea into a viable business. Here is my list of the 10 most common sources of funding today, in reverse priority sequence, with some rules of thumb to channel your focus:

    10. Seek a bank loan or credit-card line of credit.

    In general, this won t happen for a new startup unless you have a good credit history or existing assets that you are willing to put at risk for collateral. In the U.S. you may find that the Small Business Administration (SBA) can get you infusions of cash without normal backup requirements.

    9. Trade equity or services for startup help.

    This is most often called bartering your skills or something you have for something you need. An example would be negotiating free office space by agreeing to support the computer systems for all the other office tenants. Another common example is exchanging equity for legal and accounting support.

    8. Negotiate an advance from a strategic partner or customer.

    Find a major customer, or a complimentary business, who sees such value in your idea that they are willing to give you an advance on royalty payments to complete your development. Variations on this theme include early licensing or white-labeling agreements.

    7. Join a startup incubator or accelerator.

    These organizations, such as Y Combinator. are very popular these days, and are often associated with major universities, community development organizations, or even large companies. Most provide free resources to startups, including office facilities and consulting, but many provide seed funding as well.

    6. Solicit venture-capital investors.

    These are professional investors, such as Accel Partners. who invest institutional money in qualified startups, usually with a proven business model, ready to scale. They typically look for big opportunities, needing a couple of million dollars or more, with a proven team. Look for a warm introduction to make this work.

    5. Apply to local angel-investor groups.

    Most metropolitan areas have groups of local high-net-worth individuals interested in supporting startups, and willing to syndicate amounts up to a million dollars for qualified startups. Use online platforms such as Gust to find them, and local networking to find ones that relate to your industry and passion.

    4. Start a crowdfunding campaign online.

    This newest source of funding, where anyone can participate per the JOBS Act. is exemplified by online sites such as Kickstarter. Here people make online pledges to your startup during a campaign, to pre-buy the product for later delivery, give donations or qualify for a reward, such as a T-shirt.

    3. Request a small-business grant.

    These are government funds allocated to support new technologies and important causes, such as education, medicine and social needs. A good place to start looking is Grants.gov. which is a searchable directory of more than 1,000 federal grant programs. The process is long, but it doesn t cost you any equity.

    2. Pitch your needs to friends and family.

    As a general rule, professional investors will expect that you have already have commitments from this source to show your credibility. If your friends and family don t believe in you, don t expect outsiders to jump in. This is the primary source of non-personal funds for very early-stage startups.

    1. Fund your startup yourself.

    These days, the costs to start a business are at an all-time low, and over 90 percent of startups are self funded (also called bootstrapping). It may take a bit longer to save some money before you start and grow organically, but the advantage is that you don t have to give up any equity or control. Your business is yours alone.

    You can see that all of these options require work and commitment on your part, so there is no magic or free money. Every funding decision is a complex tradeoff between near-term and longer-term costs and paybacks, as well as overall ownership and control.

    With the many options available, there is no excuse for not living your dream, rather than dreaming about living.





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    10 Most Successful Business Ideas #business #savings #account

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    10 Most Successful Business Ideas

    I have one friend who started new business few months back, He failed in business and made losses. This is really disappointing. Today we see many business turns in to disaster may be due to lack of knowledge, plan or wrong idea selection. Many factors make business successful but one of them is right business idea.

    Before starting any business we have fear in our mind that Can I make money in this business? Will my business see success? We are herewith answer of your question check out Top 10 most successful business ideas. I am sure that if you execute this business ideas correctly you will see massive success.

    10 Most successful business ideas

    Restaurant business is one of the most successful business ideas. Healthy tasty food is need for everyone. If you are passionate about food and ready to serve healthy and yummy food you can start this business.

    Theme based restaurant e.g Jungle based theme, Kathiyawadi theme is more popular today if you have additional capital you can think of making theme based restaurant.

    Why Restaurant business is successful business idea?

    Due to busy lifestyle, people don’t find time to cook food at home we even see many people prefer eating in restaurant frequently. This is the reason why restaurant business is most successful business idea today.

    Starting recruitment firm is really good business idea. Recruitment firm does not require huge investment. You just need small office space and few contact to start with.

    Why Recruitment Firm business is successful business idea?

    Unemployment ratio is increasing and recruitment firm is in huge demand. Every student professional requires good job and every company require good productive candidate. To get good job and good candidate they are ready to take paid/commission base services from recruitment firm.

    Gift store of customize gift is another good business idea to start with. This idea is low investment business idea as you don’t need even office space you can start this business from your home.

    Why Custom make Gift store business is successful business idea?

    We have trend to give gift on every occasion festival. Gone are days where people use to give card or traditional gift, today’s trend is to give customized gift as it attracts more attention thus we feel custom make gift store can be good business idea.

    If you are creative in nature and able to manage multiple tasks at same time you can plan to enter in wedding planning catering business. This is quite challenging business as it requires skill and management ability.

    Why Wedding Planning Catering business is successful business idea?

    Marriage is one in lifetime opportunity and people are ready to spend lot of money to make this event successful and memorable. With your skill and ability you can touch sky in this business.

    Education or coaching class is indeed good business idea. You need small space and skill to start this business.

    Why Education/Coaching class business is successful business idea?

    Today level of education has become high and every parent wants his/her child to stand first. They prefer to place child in to good coaching class thus we see multiple successful coaching classes today.

    You may find this business idea slight odd but believe me this is really good business idea. You just need small shop and good nasta maker team that’s it you can earn huge money.

    Why Namkeen shop business is successful business idea?

    Today we find many working woman they find very less time at home. Instead of making nasta at home they prefer to bring readymade nasta. If you are very good as namkeen/nasta maker you can easily make good amount of profit.

    Tour or travel planner is another great business idea. This business requires good geographical knowledge and lot of contacts. In order to get sure success you can even tie up with online website like yatra.com etc.

    Why Tour / Travel Planner business is successful business idea?

    According to recent survey Indian goes on maximum business trip every year. Not only that during every vacation (Diwali, Summer, Christmas etc) people prefer to enjoy holiday by visiting distinct places and hill stations. Thus we see huge potential in tour travel planner business.

    Smartphone sale and repair is good business idea. In order to start smatphone sale and repair business you need skill and capital.

    Why Smartphone sale and repair business is successful business idea?

    Mobile phone business is growing in exponentially. Every common man today prefer smart phone. This increasing smartphone usage offers good business opportunity for sale and repair of smartphones.

    Event Management companies are the perfect small business idea for anyone interested in helping other companies and individuals to plan and manage big events. This business requires planning and management ability.

    Why Event Management business is successful business idea?

    There’s definitely a need in the industry for event management as companies constantly host events to market products services. In order to make this event successful they often take services from professional event management companies.

    (10) Consultancy and Contracting

    Last but not least consultancy and contracting is very good and successful business idea. This business requires expertise domain knowledge. This business requires very less business capital.

    Why Consultancy and Contracting business is successful business idea?

    There’s a growing need for consultants contractor in all fields including engineering, marketing, and scientific industries. Big companies are even ready to offer very lucrative payment for good consultants and contractors.

    All ideas mentioned above are proven most successful business ideas. Please share your views business ideas in comment section given below.

    If you enjoy reading this article, do share with your friends and colleagues on facebook and twitter.

    Successful Business Ideas





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    10 big investment ideas for 2016

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    It’s time to fire up the interneuronal connections and carve out 10 big ideas for 2016.

    Asian nation

    My first offering is that Australia will likely become an Asian nation in its ethnic orientation. Apologies to the xenophobes, but it’s happening under your nose. An incredible 28 per cent of Australia’s population (or 6.6 million people) were born overseas – the highest in 120 years. During the last census a remarkable 12 per cent of Australians said they had Asian ancestry.

    In Sydney and Melbourne, 19 per cent and 18 per cent, respectively, of residents are Asian. In Sydney regions like Parramatta and Ryde, the Asian share of the population is as high as 34 per cent and 33 per cent, respectively. China and India have overtaken the UK as Australia’s biggest source of new migrants, collectively accounting for 35 per cent of the intake in 2013-14.

    The idea of Australia stealthily yet ineluctably becoming an Asian nation is a big deal: it will reinforce our unique antipodal trading position and powerful role as a politically stable economic conduit between east and west; it will help improve our cultural commonalities with major regional actors like China, India and Indonesia (mitigating geopolitical hazards); and it should serve as a source of innovation, productivity and growth, just as the influx of ambitious European migrants did after World War II.

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    Bank returns on equity will fall

    Idea number two is that the major banks’ returns on equity (RoEs) are inevitably going to fall from around 15 per cent towards their 11 per cent cost of equity as result of the banking system becoming a highly competitive and level playing field. While this process may take five years or more, it should mean that rather than trading at an unusually high two times book value, the majors will price at circa one times. If I’m right, there is much downside to current valuations, which is a proposition reinforced by analysts’ crazy forecasts that bad and doubtful debt charges will stay around 30-year lows.

    In five years the majors will have ceded the competitive advantages that fuelled their world-beating RoEs. Rather than carrying 25 per cent more leverage than rivals, they will end up having less leverage and more equity capital in the funding mix. Combined with the fact that smaller banks tend not to source as much funding in the dearer wholesale bond markets – underwriting assets with cheaper deposits that are now a government-guaranteed (and more stable) funding source – I believe the majors will wind up having more expensive funding costs. In short, we will migrate to a system where the majors are much safer banks with reduced risks of failure, with the trade-off of lower returns on equity than competitors that have loftier leverage and lower funding costs. There should, therefore, be an economic role reversal between the big four and their rivals.

    Another Macquarie Bank?

    If the majors are going to become slow-moving, yet bullet-proof, utilities, a third idea is investors should look for superior returns from more fleet-footed alternatives that are not saddled with the financial baggage of being too-big-to-fail. One day we will eventually see another Nicholas Moore who creates a new Macquarie Bank with a much skinnier 50 per cent dividend payout ratio (compared to the majors’ 80 per cent pay-out policies) that retains earnings to support investments in innovative and entrepreneurial opportunities. Macquarie has done a fabulous job of continuously reinventing itself to maintain growth and studiously avoided allocating too much capital to competing in the majors’ commodity markets.

    On this note, the majors will likely lose significant market share in home loans to regional banks that for the first time will be able to compete effectively with them on price without crushing their returns. Rather than being price setters, the majors will become price takers and have to give back the recent rate hikes they have foisted on borrowers to compensate for expanding equity funding costs or suffer market share losses. This will compel them back into the less contested business lending space, which will lubricate credit to companies. Indeed, I think the majors’ balance-sheet splits between residential and business loans will revert back to the 40:60 levels before the 1991 recession.

    Our forecasts for double-digit house price growth in 2013 and 2014, and high single-digit growth in 2015, were spot on. My fourth idea is that there will be no imminent housing collapse, and the price of our bricks and mortar will again climb in 2016, albeit at a much slower pace of around 1 to 2 times income growth. I maintain the view that the market is very expensive (15 to 25 per cent above fair value) and recently sold my own home. The interest rate hikes that will be the catalyst for a sustained Aussie housing correction appear to have been shunted into the distant future.

    A fifth idea is that as the US and UK jobless rates (5 and 5.3 per cent respectively) fall towards 3 per cent in 2016 and 2017, wage and consumer price inflation will gradually reanimate. While the Fed will hike in December, central banks will get behind the curve because of their desire to “look through” this reflation.

    Fixed-rate bond prices to plummet

    This prompts another idea, which is that fixed-rate bond prices will melt as long-term yields rise on the back of financial markets resisting the Fed’s dovish view of the world and acknowledging stubbornly strong inflation data. The existential moment for global central banks will arrive when the break-even inflation rates priced by the bond market begin breaching official inflation targets in a sign that investors no longer think that monetary policy (and so-called nominal growth targeting) is compatible with price stability. Asset allocators need to be short interest rate duration or, if you have to be exposed to this risk, hire a smart duration manager – they can be hard to find. Few people can consistently call rate changes right.

    If this base case plays out, my seventh thought is that global equities will face tremendous headwinds as long-term risk-free rates (that is, government bond yields) mean-revert back to some semblance of normality, which means yields 50 per cent to 100 per cent higher than current marks. Recall that the 10-year government bond yield is an essential input as the underpinning for the discount rates in the valuation models for all listed and unlisted equity and real estate markets.

    Sell ‘beta’ buy ‘alpha’

    This insight furnishes an eighth idea, which is sell equity “beta” and buy “alpha”, as I advocated last year. Aussie shares (beta) have declined over the year to date while market-neutral and long-short hedge funds (alpha) have delivered terrific returns (at least the guys that I invest with have). This dynamic is unlikely to change.

    In the more immediate term (over the next, say, one to two years), I like “spread” assets as the search for yield will remain a critical influence over investor behaviour as long as deposits do not offer any material “real” returns above inflation and equities continues to get hammered. One example is major bank subordinated bonds, which currently trade very cheaply on a global basis despite the majors being among the best capitalised banks globally, care of $33 billion of equity origination over the last 12 months. The credit ratings on major banks’ subordinated debt are on par with the senior bonds issued by Goldman Sachs, Morgan Stanley or Citigroup, and I think there is a decent chance they will get upgraded to the “A” band next year if Standard & Poor’s lifts the majors’ stand-alone credit profiles from “a” to “a+”, as it has signalled it may do.

    A final thought is that if the world is once again forced to choose between elevated interest rates and high and volatile inflation, there is a possibility that the value of paper money will atrophy as a credible medium of exchange. This could precipitate a flight to safety in the form of a resurgence in the demand for gold as a hedge against the debasement of money by governments using the printing press to finance their own deficits.





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    Small-Business Grants for Women: 10 Go-To Spots #business #loans #online

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    Small-Business Grants for Women: 10 Go-To Spots

    You can trust that we maintain strict editorial integrity in our writing and assessments; however, we receive compensation when you click on links to products from our partners and get approved. Here’s how we make money .

    If you’re starting a business and need outside financing, it’s natural to be wary of small-business loans. Why take on debt if you can get a grant that you won’t have to repay?

    But small-business grants for women — or men, for that matter — can be hard to come by. “There’s not a pot of free money,” says Michelle Somes-Booher, a business consultant at the Small Business Development Center in Madison, Wisconsin.

    If you need business financing, two more likely options are business credit cards and small-business loans for women. The competition is fierce for small-business grants, and it takes a lot of time and effort to find them and complete the applications. However, if you’re up for the challenge, the payoff can be worth it. Here are 10 places women entrepreneurs can look for small-business grants.

    Federal small-business grants for women

    The federal government offers some grants for small-business owners, but they’re designated for very specific purposes, such as certain research and development projects or for businesses in rural areas. Government grants can’t be used to cover startup costs or day-to-day expenses, and most aren’t earmarked specifically for women.

    Grants.gov is a database of all federally sponsored grants. You can search for small-business grants here — just make sure you filter the results on the left side of the page to view grants specifically for small businesses.

    2. InnovateHER Challenge

    The U.S. Small Business Administration hosts an annual competition for businesses with a marketable product or service that positively affects women s lives. To participate, you must first enter and win a local InnovateHER Challenge to advance to the national semifinal round. The top three national finalists will win $40,000, $20,000 and $10,000, respectively.

    3. Small Business Innovation Research and Small Business Technology Transfer programs

    The SBA facilitates these two competitive programs, which ultimately provide grants to small businesses that contribute to federal research and development. Eleven federal agencies, including the departments of Agriculture, Defense, and Health and Human Services, post grant opportunities on their websites. You can search all grant opportunities on the SBIR website.

    State and local small-business grants

    Because federal small-business grants are limited in number and often very competitive, you may have better luck looking for grants at the state and municipal levels. You’ll have to do your own research to pinpoint specific grant programs in your area, but here are some places to look:

    4. Women’s Business Centers

    The SBA sponsors about 100 Women’s Business Centers nationwide, designed to help women entrepreneurs with business development and access to capital. Some, such as the California Capital Financial Development Corp. lend money directly, while others simply help you find small-business grants and loans that you may qualify for.

    5. Economic development agencies

    Every state and many cities have economic development agencies focused on promoting a strong local economy. Even if the agency itself doesn’t offer a small-business grant, it will likely be able to point you in the right direction.

    6. Small Business Development Centers

    There are hundreds of these SBA-sponsored centers around the country, typically housed at colleges and universities. SBDCs offer free, one-on-one business consulting. Set up a meeting with your local SBDC advisor, who will be able to tell you about grants and other business financing opportunities in your area.

    Private small-business grants for women

    Some private organizations and businesses have created national grant programs for women small-business owners. Here are two to look into:

    The Amber Grant Foundation awards $500 to a different women-owned business every month. At the end of each year, one of the 12 grant winners is awarded an additional $2,000. The application is relatively simple: Explain what your business is, describe what you’d do with the grant money and pay a $7 application fee. The foundation’s advisory board chooses the winners, looking for women with passion and a good story.

    8. Eileen Fisher Women-Owned Business Grant

    Eileen Fisher, a women’s clothing retailer, awards $100,000 to up to 10 women business owners each year. To be eligible, women must make up at least 51% of your business s ownership and leadership, your business must have been in operation for at least three years, it must not exceed $1 million in annual revenue, and it must be focused on environmental or social change.

    Two other good possibilities for grants

    These options aren’t specifically for women, but they’re good small-business grants to consider:

    9. FedEx Small Business Grant

    FedEx awards up to $25,000 apiece to 10 small businesses annually. The application requires an explanation of your business, how you’d use the money, photos of your business and — this part is optional — a short video explaining your business. You don’t need a FedEx account to apply.

    10. Mission Main Street Grants

    Chase Bank gives $150,000 to 20 small businesses each year through its Mission Main Street Grants program. To be eligible, you must have been in business at least two years and have fewer than 100 employees, and the application includes answering five essay questions.

    Find and compare small-business loans

    NerdWallet has come up with a list of the best small-business loans to meet your needs and goals. We gauged lender trustworthiness, market scope and user experience, among other factors, and arranged them by categories that include your revenue and how long you’ve been in business.

    To get more information about funding options and compare them for your small business, visit NerdWallet ssmall-business loanspage. For free, personalized answers to questions about financing your business, visit theSmall Businesssection of NerdWallet’s Ask an Advisor page.

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