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Wages rise to the sound of one hand clapping
Insipid wage growth is fast becoming the economy’s biggest problem. It will post a rise this week, but not enough to change things.
ANZ and NAB to pay $100m to settle rate-rigging case
ANZ and NAB will pay a collective $100 million penalty for their involvement in the rigging of overnight bank bill swap rates after an settlement was ratified by the Federal Court.
RBA edges down growth outlook, sees gradual inflation rise
Australia’s central bank remains optimistic about economic prospects, despite little evidence that wage growth will pick up.
News Corp almost doubles Q1 earnings, boosted by REA Group
All of News Corp’s business segments contributed to its solid quarterly results, but its standout division was digital real estate services.
BHP Billiton announces 120 new jobs at Olympic Dam operations
Mining giant BHP will create dozens of new jobs at its operation near Roxby Downs in South Australia’s far north over the next year, in another sign the state’s mining industry is enjoying a positive turnaround.
Why are multi-nationals like Amazon still investing here if the company tax rate is such a turn-off?
There is one thing missing from the demand from big business for a cut in company tax. Evidence to support its case, writes Andrew Robertson.
Wall St tumbles on fears of delayed tax cuts, ASX to open lower
Investors dumped their shares after digesting reports that the Republicans’ highly-touted corporate tax cuts could be delayed until 2019.
Public opinion behind Adani loan backflip, Queensland Treasurer admits
Queensland Treasurer Curtis Pitt admits public opinion swayed Labor’s mid-campaign backflip on Adani’s Commonwealth loan.
How French energy giant Engie plundered $1b from Australia ahead of carbon tax
At the same time as it was crying poor and calling for carbon tax compensation, French energy giant Engie was preparing to shift $1 billion out of its Australian subsidiaries. The Paradise Papers reveal how it went down.
Property market softens as investors exit, allowing first home buyers a foot in the door
Property investors appear to be feeling the pinch from tougher lending rules and higher interest rates, with a surprise slump in loans in September.
Australia s adoption of electric cars
In the race to adopt electric vehicles, Australia is sputtering along in the slow lane. Rather than growing, Australian sales of electric cars are actually in decline. Here’s why.
Life insurers discriminating
Medical researchers call for a temporary ban on insurers collecting information on genetic testing, saying people are not taking advantage of new technology because they are scared of losing insurance cover.
Is company tax uncompetitive?
There is one thing missing from the demand from big business for a cut in company tax. Evidence to support its case, writes Andrew Robertson.
Sheryl Crow royalties fall flat
It was supposed to be CBA’s bold foray into profiting from pop stars including Sheryl Crow, John Denver and The Ramones, but by late 2014 the investment had crashed.
Why tax avoidance matters
The huge transfer of income to tax havens by the rich and powerful has a range of impacts on public services, writes Stephen Long.
Conveyancing charges may rise
West Australian conveyancers warn buying and selling property may come with higher costs if the McGowan Government’s push to electronic conveyancing gets through.
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Compare Business Finance Products Today at MoneySupermarket, how to finance a business.#How #to #finance
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Seek out the best deals on a wide range of products including in-credit business current accounts, cashback business credit cards and short-term business loans – plus get exclusive deals on business products that you can’t find anywhere else.
Business finance. Trust us to explain it simply
Medium to long-term business loans
We ve provided a list of those who can help if you re interested in taking out a medium to long term loan.
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Business saving accounts
Just like a personal account, you can manage and save your financies to support your business
Financing for the things where your business needs it most
Short-term business loans
From helping with cash-flow to expansion costs, a short-term loan could be an option if your business needs a boost
Often an ideal solution when in need of a instant cashflow-fix.
Business current accounts
Compare and find the best business current account to suit your business
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Facilitate staff spending and much more with business credit cards
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Credit cards can be used as a way of managing both staff spending and cashflow.
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Managing business expenses
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What are business loans
All you need to know about taking out a loan for your business.
What are business current accounts
The best way to keep your personal and business-banking separate.
Business savings accounts explained
All you need to know about taking out a loan for your business.
Peer-to-peer business loans
A loan that comes from individuals, as opposed to the bank. We explain how.
How it works, and how it can benefit your business
What are business credit cards
Credit cards can be used as a way of managing staff spending and cashflow
Business finance in general
When it comes to managing your business finances, it’s not all that different from managing your personal finances.
The key difference is the fact you want to seek out products that are specifically designed for business use, as these will offer better rates as well as other features aimed at making running your business easier for you.
Who business finance is for?
Business finance is for any type of business, no matter how big or small.
You may want to think about business finance if you operate as a sole trader, or if you are a limited company – or if you are anything in between.
Who can apply?
Anyone who owns a business can apply for business finance, but you must remember that with some products, such as business loans, it may be difficult to get accepted in the current uncertain climate.
As a general rule, those businesses with the cleanest credit record have the best chance of getting accepted – and of getting the best rates.
What products are available within business finance?
There are a wide range of products available within business finance offered by numerous different banks and other financial organisations, including business current accounts, business credit cards and business loans.
Each product on offer in business finance has been designed with business in mind, and will help you to run your business operations more smoothly.
Why are we the best website for business finance products comparison?
If you’re looking for business finance products then you need look no further, as we compare hundreds of deals from different providers in one place to seek out the very best deal for you and your particular needs.
We offer a free and independent comparison tool, and also have access to exclusive deals on business finance products that you won’t be able to find anywhere else.
Yahoo Finance – Business finance, stock market, quotes, news, how to finance a business.#How
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High raw material costs weighed on Coal India’s margins. Read More »
Expect Investment Cycle Revival In Second Half, Says Uday Kotak
Modi-Trump Bilateral Meeting Likely On Monday At ASEAN Summit
JSW Steel, Lodha Group Among 20 Entities Eyeing Jaypee’s Noida Projects
China shopping festival smashes record with $25 billion haul
Alibaba, the Chinese e-commerce giant, said on Saturday its Singles Day sales extravaganza hit $25.4 billion, smashing its own record from last year and cementing it as the world s biggest shopping event. Once a celebration for China s lonely hearts, Singles Day has become an annual
Create Your Website – Start Here
Yahoo Search can help you compare hundreds of companies to help you create your own website.
Reliance Communications Posts Q2 Loss Of Rs 2,709 Crore
Reliance Communications posts fourth straight quarterly loss.
APEC leaders agree to address unfair trade practices
Asia-Pacific leaders on Saturday agreed to address unfair trade practices and urgently called for the removal of market distorting subsidies, in contrast to communiques they have issued in the past. A joint statement issued by 21 countries of the Asia-Pacific Economic Cooperation
Recap Plan Will Enable State-Run Banks To Take Necessary Haircuts, Says HDFC’s Mistry
Mistry expects a resolution on most RBI-identified stressed accounts within the next 3-4 quarters.
ONGC Aims To Complete HPCL Acquisition By March
ONGC hopes to complete its merger with HPCL by March next year.
The Inspiration Behind Eataly s Growing Footprint
Eataly s passion for showcasing regional specialties is fueling its expansion across the U.S.
Jeffrey Immelt Says He May Have Overstayed At General Electric
“16 years is on the outer edge of how long somebody should be running a company like GE,” Immelt said.
Boeing sees steady Gulf demand, interest in mid-sized jet
Boeing sought to dispel concerns about a slowdown in the growth of Gulf airlines as the aerospace industry gathered on Saturday for the Dubai Airshow. Speaking on the eve of the showcase event, executives at the U.S. planemaker also played down the impact of growing political tensions in the region.
Congress Says Credit For GST Rate Cuts Goes To Rahul Gandhi
GST Council slashed rates due to pressure from Rahul Gandhi, Congress says.
RInfra s Q2 consolidated net profit at Rs 544 cr
Mumbai, Nov 11 (IANS) Reliance Infrastructure (RInfra) on Saturday reported a consolidated net profit of Rs 544 crore ($83 million) for the second quarter of 2017-18. The company had posted a net profit .
Things to Do with Kids on a Cruise
Give your kids (and yourself) the experience of a lifetime with this advice on what to do and see on a Southern Caribbean cruise.
Supreme Court Bench To Hear Petition Seeking Probe Into Bribery Allegations
PIL seeks probe into allegations that bribes were sought by a retired high court judge.
Larsen Toubro beats estimates with 27 percent jump in Q2 profit
India s top engineering and construction company Larsen Toubro Ltd reported a higher than expected 27 percent rise in second quarter net profit, helped by a one-off gain from the sale of a subsidiary. Consolidated net profit rose to 18.2 billion rupees ($279.31 million) in the three months ended
Here are 10 best Indian cities to do business in
India managed the highest jump by any country when it climbed 30 notches to reach the 100th position in World Bank’s ‘Ease of Doing Business’ index. While World Bank CEO Kristalina Georgieva called the jump rare, Prime Minister Narendra Modi said that it was a ‘historic’ one. States across India have
Trans-Pacific trade deal advances without United States
Countries in the Trans Pacific Partnership (TPP) trade deal have agreed on the core elements to move ahead without the United States, officials said on Saturday, after last-minute resistance from Canada raised new doubts about its survival. Taking the agreement forward is a boost for the principle of
Small Business Financing
State subsidies ignore the real job creators 12:24 AM ET Tue, 20 Oct 2015
Startup Business Financing
Wouldn t you love to have a few million dollars to start your business? Me too! With a great idea and a great business plan, you probably feel almost entitled to get the funding you re seeking.
The reality, though, is that for most entrepreneurs, you must prove your concept first before anyone will put up that kind of money. But most businesses require some sort of initial capital for things like inventory, marketing, physical facilities, incorporation expenses, etc.
According to the U.S. Small Business Administration (SBA), While poor management is cited most frequently as the reason businesses fail, inadequate or ill-timed financing is a close second. Sometimes it comes down to simple cash flow–many companies have closed their doors because they just couldn t make it another few months until the money came in.
When exploring your funding options, there are several factors to consider:
- Are your needs short-term or long-term? How quickly will you be able to pay back the loan or provide a return on their investment?
- Is the money for operating expenses or for capital expenditures that will become assets, such as equipment or real estate?
- Do you need all the money now or in smaller pieces over several months?
- Are you willing to assume all the risk if your company doesn t succeed, or do you want someone to share the risk?
The answers to these questions will help you prioritize the many funding options available.
- Debt financing – You borrow the money and agree to pay it back in a particular time frame at a set interest rate. You owe the money whether your venture succeeds or not. Bank loans are what most people typically think of as debt financing, but we will explore many other options below.
- Equity financing – You sell partial ownership of your company in exchange for cash. The investors assume all (or most) of the risk–if the company fails, they lose their money. But if it succeeds, they typically make a much greater return on their investment than interest rates. In other words, equity financing is far more expensive if your company is successful, but far less expensive if it isn t.
Because investors take on a much higher risk than lenders, they are typically far more involved in your company. This can be a mixed blessing. They will likely offer advice and connections to help grow your business. But if their plan is to exit your company in 2-3 years with a substantial return on their investment, and your motivation is the long-term sustainable growth of the company, you may find yourself at odds with them as the company grows. Be careful not to give up too much control of your company.
Let s take a closer look at the many options available for startups.
Friends and family are still your best source for both loans and equity deals. They are typically less stringent regarding your credit and their expected return on investment. One caveat: structure the deal with the same legal rigor you would with anyone else or it may create problems down the road when you look for additional financing.
Prepare a business plan and formal documents–you ll both feel better, and it s good practice for later.
Credit cards are a great tool for cash flow management, assuming you use them just for that and not for long-term financing. Keep one or two cards with no balance on it and pay it off every month to give yourself a 30 to 60-day float with no interest. And the low introductory rates on some cards make them some of the cheapest money around. Managed well, they re extremely effective; managed poorly, they re extremely expensive.
Bank loans come in all shapes and sizes, from microloans of a few hundred dollars, typically offered by local community banks, to six-figure loans by major national banks. These are much easier to obtain when backed by assets (home equity or an IRA) or third-party guarantors (e.g., government-sponsored SBA loans or a cosigner).
If you obtain a line of credit rather than a fixed-amount loan, you don t start paying interest until you actually spend the money.
Leasing is the way to go if you need big-ticket items such as equipment, vehicles, or even computers. Your supplier will help you explore this.
Angel investors fill the gap between friends and family and venture capitalists, who now rarely even look at investments below $1 million. Enlist a savvy financial adviser to structure the deal.
Private lending represents a viable alternative when the bank says no . Private lenders are looking for the same information and will conduct similar due diligence as the banks, but they typically specialize in an industry and are more willing to take on higher-risk loans if they see the potential.
There are many channels available to you to raise capital. All of the above approaches have numerous variations. Put together a solid business plan, talk to a financial adviser, and just start asking. Someone will eventually say Yes .
Financing a Business
There are various forms of funding for you to consider when starting or growing a business. From outside investment to using your own funds, this section outlines some of the benefits and pitfalls of each option, and walks you through the steps to get funded.
How much do you need to sell to cover your costs and start making money? Find out with this popular financial tool.
Learn how to deliver a winning business plan pitch to help you secure funding for your idea!
Learn what numbers you need to know and investors want to see when presenting your business plan.
Review the pros and cons of venture capital, angel investors, commercial loans, and other financing options.
Financing your Start up Business
Decisions regarding how you finance your business should be taken very seriously as it is one of the most critical decisions you will make at the start-up phase and forms a key part of any business plan. When considering the different financing options, you need to spend some time learning about the conditions that come [. ]
Elevator Pitch Part 1: Personalize
(Reposted with permission from Planning Startups Stories) If you can t say it in 60 seconds, you have a problem. Your strategy isn t clear enough. Nowadays we call it the elevator pitch, meaning a quick description of the business that you could do in the time you share with a stranger in an elevator. It s becoming [. ]
The Sales Forecast Sales forecasting is an integral part of business planning. I have written on the subject of sales forecasting a number of times in the past. However, for many of us, we are now dealing with a level of uncertainty we have not encountered previously in our lifetimes. As a result, some managers [. ]
The Business Pitch
The pitch The use of phrases such as ‘business pitch’, ‘elevator pitch’ and ‘video pitch’ have grown in popularity in recent months. But what are these terms and what do they mean for entrepreneurs? This short article describes the concept of pitching in detail, as well as recommending some tips for those needing to pitch [. ]
An Inconvenient Truth – Lessons for Entrepreneurs
I recently watched Al Gore’s documentary, An Inconvenient Truth, and found it compelling viewing. It is an excellent production and helped shine a powerful spotlight on climate change, the challenges we face and some steps we can take to reduce the effects we are causing. It painted a very bleak picture for the future of [. ]
Top 10 Business Plan Mistakes to Avoid
Business Plan Mistakes The importance of business planning is widely documented; however, guidance as to what constitutes good business planning is less clearly defined. This article aims to redress that imbalance by describing 10 of the most common mistakes that occur in business plans. While the business-planning process is in itself a very worthwhile pursuit, [. ]
Delivering a winning business plan pitch
After a business plan has been written, the next stage often involves pitching the plan to prospective investors. This very fact means that the plan authors and management team should be one and the same and that ‘outsourcing’ the business plan writing process should not be considered. It is not just the content of the [. ]
Dragons Master Class the numbers you need to know!
Those familiar with the BBC2 show Dragons’ Den will be all too aware of the following scene. The entrepreneur is tasked with presenting his business plan to a panel of investors (i.e., the Dragons). The business plan pitch is going well, and then one of the dragons asks the simplest of questions, ”What was your [. ]
Do You Need Funding
Most businesses need financing. Cash flow is different than profits, so profits don’t guarantee money in the bank. There’s financing needed to manage starting costs, stock waiting to get paid, and other factors. Much of that is what we lump together as “working capital.” Most people think of financing as debt, borrowed money. In this [. ]
Securing Venture Capital Funding for Your Business
We do have some tips and suggestions. You probably know all of this already, but here are some refresher tips: Polish your business plan. Reread the executive summary, management team, competitive edge, and financials. If you re operating in Internet space, in the present market, make sure you are generating traffic and focusing on the ability [. ]