Tag: Finance

Small Business Investors – Funding – Finance for UK Businesses #online #business #opportunity

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Funding for Small Businesses

Where does someone look for funding if they are a small business? Business loans are only possible if the company has been in business for some time, but most young businesses are looking to expand and so they need other options to raise business capital.

Government grants are another possibility. However, the process of obtaining funding this way is notoriously difficult. The UK government has claimed that this is a sort to test to see how much they need the funding, but the reality is that it is regulated by EU legislation. On the other hand, the EU itself does not fund anything beyond public sector ventures.

There are also sites that offer local grants to small businesses around the UK, including local councils and large companies such as BT and O2, but the latter are usually competitions. Sites such as Business Zone UK list various business grants and awards available to UK entrepreneurs, but the number of proposals and funding amounts are usually quite limited.

More common options for business funding are Angel Investors and Venture Capitalists, both of which will invest significantly higher amounts in your start-up or small business. However, both Angel Investors and Venture Capitalists will want some control of your business and guarantees of a good return on investment in exchange for their money. But at the same time, they offer the experience which could be that factor which allows your business to succeed in the first place.

Remember, the investor is looking to make money just as you are, and so it will be a venture that both sides enter together as a partnership. This means that anyone who invests in a small business will do everything possible to ensure that they are making a sound investment. They will check your business plans thoroughly, and make sure that they themselves believe in your business idea and future plans.

Finding funding for your small business or start-up can take a long time, but the Angel Investment Network can help you make vital contacts with experienced angel investors who are looking to make an investment.

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The 15 Most Popular Online Payment Solutions #ecommerce,mobile #payments,paypal,finance,online #payment,digital #payments

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The 15 Most Popular Online Payment Solutions

Serial entrepreneur, mentor, advisor and co-founder of YoungEntrepreneur.com

December 6, 2016

There s no denying that when it comes to accepting and receiving payments, PayPal is the reigning champion. In fact, it s the de facto online payment solution for online customers, freelancers, and business owners.

While people tend to love PayPal for a variety of reasons, technology has opened the door for a number of competitors to challenge PayPal by offering cheaper frees, faster transactions, and enhanced security. Here are 15 of those alternatives.

1. Due

Due made a name for itself through its innovative time-tracking and invoicing tools, which are especially useful for freelancers and small business owners. More recently, Due has allowed users to start accepting secure online payments for just a 2.7 percent transaction rate. Due also accepts global payments, which typically occur within two business days, as well as a digital wallet to send or receive money to anyone in the world instantly with little to no cost. It even has an e-bank where you can store your cash online.

2. Stripe

Stripe has fascinated users for the last couple of years with its powerful and flexible API. This means that you can tailor the platform to meet your specific needs, whether you re running a subscription-based company or an on-demand marketplace. Stripe integrates with hundreds of other applications, so even if you re not a professional coder, you can get up and running quickly. The lack of setup, monthly, or hidden fees is an added bonus.

3. Dwolla

Dwolla has similar features to PayPal when it comes to transferring funds, but thanks to its API, it focuses more on bank transfers, or Automated Clearing House (ACH) payments. so users can create a customized payment solution where payments are received within a day. Best of all, transactions are free.

4. Apple Pay

If you re a merchant, then it s time to consider accepting Apple Pay. Transactions are faster and more secure, since Apple Pay uses touch ID confirmation. In other words, a customer can use their fingerprint to pay for their takeout pizza. Apple Pay is still relatively young, but don t be surprised if the service will adapt to support older machines. Also, word on the street is that Apple is working on a P2P payments system within iMessage.

5. Payoneer

Payoneer is one of the oldest global payment processing services. It is available in more than 200 countries and accepts 150 different currencies. Receiving payments is free, and the platform includes a flexible API that grows with your business. Like PayPal, you can receive a plastic MasterCard if you aren t ready to go 100 percent digital.

6. 2Checkout

2Checkout is another trusted payment platform that allows users to accept credit cards, debit cards, and PayPal globally. It s available in 87 different languages, offers advanced fraud protection, integrates with hundreds of online shopping carts, and allows you to automatically bill customers with recurring billing.

7. Amazon Payments

If you want to give customers peace of mind, then accept payments through Amazon. Whenever they make a purchase on your site, they automatically go through Amazon s checkout. This means that they ll use their Amazon credentials, which makes the checkout process more convenient and trustworthy.

8. Square

Square changed the game when it introduced its magstripe reader, allowing business owners to swipe credit cards anywhere for a 2.75 percent transaction fee per swipe. However, you can also send electronic invoices, and ultimately get paid, through the Square Cash App.

9. Payza

With this popular service, you can send or receive payments from anyone in the world in just a matter of minutes. It also has a cool and easy-to-use interface, offers a robust and unique security system, and provides dedicated support and it s free to sign up. What s most interesting about Payza is that on top of receiving and withdrawing funds from a bank account and credit card, it also accepts bitcoin.

10. Skrill

Skrill has become a popular alternative to PayPal thanks to features like instant withdrawals and deposits, low transaction fees, exclusive offers, the ability to accept from 40 currencies, and being able to send text messages directly from your account. If you refer a friend, the company will put 10 percent of the fees they generate from paying or sending money into your Skrill account for an entire year.

11. Venmo

Even though PayPal acquired Venmo, the fundamental principles are different between the two. PayPal is used for making simple transactions for either personal or professional purposes. Venmo is used by individuals who consider themselves social spenders. In other words, it s like a hybrid of PayPal and a social network like Facebook, since transactions are shared on an online feed. So whenever a friend pays back a friend, it s shared publicly.

12. Google Wallet

Once known as Google Checkout, Google Wallet is an online payment service that allows users to send safe, simple, and speedy money transfers from their browser, smartphone, or Gmail account. You can store credit cards, debit cards, loyalty cards, and even gift cards to your account.

13. WePay

WePay prides itself on its top-notch customer service and fraud protection. Merchants, however, like the fact that customers can make their purchases without having to leave their site, thanks to a virtual terminal. WePay also offers Know Your Customer collection and risk management and can be used for invoicing, event ticketing, and marketing automation.

14. Intuit GoPayment

Intuit is almost indispensable for a small business owner. Besides being able to accept payments both online and in person with the mobile GoPayment credit card processor, Intuit can assist you with payroll and calculating taxes. The most promising features is the low monthly rate of $19.95, which only charges a 1.6 percent charge for credit card swipes, as opposed to the standard 2.40 percent rate.

15. Authorize.net

You can t leave out Authorize.net. After all, it s been processing payments since 1996! It s also the Internet s most widely-used payment gateway and has been the recipient of the Achievement in Customer Excellence (ACE) award from 2008 to 2016. Even though the company has been around for twenty years, it stays current with trends, like being able to accept Apple Pay. No wonder the company is so widely regarded!

Today, online businesses have more payment platform options than ever before. Each platform comes with its own advantages and fallbacks, and it s up to you to find out which is best for your business. Which payment platforms have simplified your business transactions in the past? Which platforms do you plan on trying?

Screenshots taken on 11/15/16

Editor s note: Due is a content partner of Entrereneur.com.

6 Challenges for Family Businesses (and How to Overcome Them)

Adam Toren is a serial entrepreneur, mentor, investor and co-founder of YoungEntrepreneur.com. He is co-author, with his brother Matthew, of Kidpreneurs and Small Busines.





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Student Loan Debt: How Much is Too Much? ABC News #college, #university, #graduation, #loans,

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Student Loan Debt: How Much Is Too Much?

Paul Marotta/Getty Images

A general view of the gates of Harvard University on April 25, 2013 in Cambridge, Mass. College tuition has skyrocketed in recent years, leaving students with heavy debts.

Some call it the Student Loan Bubble — I call it crazy. And what better time to discuss student debt insanity than now, as countless soon-to-be graduates prepare to slip on their caps and gowns? An estimated 1.8 million students are graduating this year. many with degrees that perhaps aren’t worth a damn when it comes to actually getting a job. Nevertheless, many of them will soon be paying back the tens or hundreds of thousands of dollars they borrowed to get those nice degrees, and I wonder how many will regret the decision to spend what they spent as they see their interest compound and principals skyrocket through cycles of deferment and forbearance. The college experience can be an amazing one, but is it really worth the cost? (And I’m not just talking about tuition.)

To get at the heart of this question, I recently commissioned a poll that asked adults of all ages about student loans. We asked how much student debt is okay, and how much is too much. One in five senior citizens and almost a quarter of adults between the ages of 35 to 49 agree that $20,000 to $50,000 in student loan debt is too much to borrow. Maybe that’s because they are in the age range of folks in a position to hire young people. Maybe it’s because college didn’t used to cost so much. At any rate, people of college age, between 18 and 24, disagreed with the old folks; only 16 percent said graduating with that much debt is too much.

Many respondents believe there should be no limits at all. Among recent graduates, 22 percent agreed that students “should borrow as much as they need,” and “no amount is too much.” Baby boomers and seniors overwhelmingly disagree — only 7.9 percent of people age 65 and up agreed that college students should borrow to the hilt. It seems the marketing of “Don’t Worry, Pay Later” has been a success — at least in younger demographics.

Clearly, many college students and recent grads take a more cavalier approach to student loans than their parents and grandparents. Research shows that many even consider high debt loads to be empowering and give them higher self-esteem. Conversely, young adults—folks who have labored a few years into the real world — are less enthusiastic about borrowing so much; 73 percent say they owe more in student debt than they can manage.

“It’s not surprising that the generation that has to borrow a lot more for college believes it’s a necessity for others,” says Lauren Asher, president of the Institute for College Access and Success. “There’s been a big structural shift in how Americans pay for college, and the cost that students and families have to pay has increased.”

Young adults back their beliefs with more student debt. Just shy of half the respondents — 46.8 percent — between ages 18 and 24 said they have borrowed money to finance a college education. That’s the highest level of any age group. About 40 percent of adults aged 25 to 34 took on student loans, and under a quarter of all Baby Boomers did.

Loan totals are going up, too. Young adults reported a median debt of $38,100. That blew all other age groups out of the water. Middle-aged adults said they borrowed about $25,000 for college. The average college student has about $26,600 in debt, according to the Project on Student Debt, a 40-percent increase since 2002, and it’s time to find a way to start paying it down.

Today’s bad economic climate makes this pretty scary. The unemployment rate for Americans dipped to 7.1 percent in April. But joblessness among adults ages 20 to 24 remains mired at 12.5 percent, according to the Bureau of Labor Statistics. When you add in all the college grads working as baristas, waiters and other jobs that don’t require a degree, about 1.5 million bachelor’s degree holders — 53.6 percent — under age 25 are unemployed or underemployed, according to a study by the Associated Press.

High college debt mixed with low job opportunities equal economic fallout. And if you are wondering why young people are taking on the debt: high school graduates face a jobless rate twice that of college grads.

Signs of stress are already showing. More than half of all student loans are now delinquent or in deferral. according to a recent study by TransUnion. Further, according to the latest report from the U.S. Department of Education, over 13 percent of graduates default on their loans within three years of leaving college.

So, riddle me this: how do you buy a car, a home, or start a family (i.e. put the “consumer” into our “consumer economy”), if you can’t even afford a monthly student loan payment. You already know the answer. And so the economy will continue to stagnate, with demand flagging along with everything else.

As President Obama and the Congress dither over federal Stafford loan rates possibly doubling to 6.8 percent, they have done nothing substantive about the real problem: The Great Recession and a competitive technology job market that colleges and college lenders aren’t catering to. This is the problem that has already killed millions of middle-class jobs that are never coming back. And until our lawmakers get busy on a solution, it’s only going to get worse.

The new economic age of big, portable, sharable data is here, yet many American students today are still preparing for the economy of the past. Rather than slashing investment in higher education and scientific research, we should be adding to it. We should also be seeking innovative ways to keep a lid on tuition increases while simultaneously working to help millions of American graduates win the kinds of good-paying jobs they’ll need to pay their loans.

This work is the opinion of the columnist and in no way reflects the opinion of ABC News.

Adam Levin is chairman and cofounder of Credit.com and Identity Theft 911. His experience as former director of the New Jersey Division of Consumer Affairs gives him unique insight into consumer privacy, legislation and financial advocacy. He is a nationally recognized expert on identity theft and credit.





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Freedom of Information Act – Wilmette #freedom #finance #complaints

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Any person requesting access to information as permitted under “The Freedom of Information Act” (House Bill 234, P.A. 83-1013) should follow the steps below:

Step 1

Submit a request, being as specific as possible with regard to the documents or information you seek. Please click here for the request form. An index of public records maintained for inspection is available at each public building.

Step 2

Return the completed form to the appropriate contact person via Email, U.S. Mail or in person, Monday through Friday, 7:30 a.m. to 4:30 p.m.

Step 3

Within five (5) business days of receipt of the request, the Village will indicate in writing its response to the request. The Village will respond in one of the four (4) following manners:

  • Inform you of when and where the information may be inspected or how a copy may be obtained.
  • Indicate that additional time to fulfill the request is needed, factors prompting the delay and when the response will be forthcoming.
  • Deny the request, stating reasons for the denial.
  • Failure by the Village to respond within ten (10) days is deemed a denial.

Step 4

You have the right to appeal any decision to deny access to records. Appeals must be submitted in writing to: Village Manager, 1200 Wilmette Avenue, Wilmette, IL 60091

Step 5

If the Village Manager upholds the decision to deny access, or does not respond within five (5) days, you may file suit in circuit court for injunctive or declaratory relief.

Reproduction and Certification Fees Copies of records: For black and white, letter or legal sized copies, the first 50 pages are free, and any additional pages cost 15 cents a page.

To submit a request online, select Freedom of Information Requests below and complete the necessary information.





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RT – News – Business, Finance, Economy, Markets, Stocks Shares #online #business #classes

#business news

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02 Sep Exchequer returns for August show a significant fall in revenues collected during the month.

02 Sep US employment growth slowed more than expected in August after two straight months of robust gains and wage gains moderated.

02 Sep Tech giant Samsung has said it is suspending sales of its latest flagship smartphone Galaxy Note 7, as reports of exploding batteries threaten to damage the reputation of the South Korean electronics giant.

02 Sep Telecoms firm Eir has recorded its first year of annual revenue growth since 2008.

02 Sep Minister for Finance Michael Noonan has claimed that the EU Commission’s ruling over Apple’s tax operations in Ireland was an “attack on our corporate tax regime”.

02 Sep Heavy machinery maker Caterpillar has said it could lay off about 2,000 employees at a plant in Belgium, as it considers shifting production to other facilities as part of a restructuring programme announced last year.

02 Sep Irish Residential Properties REIT, or I-RES, is seeking planning permission for 492 apartments as well as retail space in Sandyford in Dublin.

02 Sep Peer-to-peer lending platform Linked Finance says 21 SMEs raised €600,000 in funding during the first two weeks of its new fixed rate loan offering.

02 Sep Activity in the services sector rose by 0.5% between June and July, with wholesale and retail trade seeing a 6.1% surge during the month.

02 Sep Currency movements have hit Fyffes’ banana business, according to the company’s first half results.

02 Sep Crude prices have risen today after losses of more than 3% yesterday, with investors treading cautiously ahead of key US employment data.

02 Sep RTÉ’s Europe Editor Tony Connelly looks at the Apple ruling and the possible impact of a similar case involving Spanish bank Santander.

02 Sep The Irish Times reports telecom firms have hit out at Eir for raising wholesale broadband prices for the second time in 14 months.

02 Sep Telecoms firm Eir has recorded its first year of annual revenue growth since 2008.

01 Sep Up to 250 jobs could go at US multinational Caterpillar’s plants in Northern Ireland, a spokesman has said.

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Grafton Chief Executive Gavin Slark discusses the builders’ merchant and DIY retailer’s double-digit growth in percentage terms in revenue and profit in H1

Bord Gáís Energy Managing Director Dave Kirwan said the firm is reducing its residential electricity prices by 5% and its residential gas prices by 2%

Just Eat Managing Director for Ireland Amanda Roche Kelly discusses the brand’s presence at the upcoming Electric Picnic festival





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Business Finance #sba #loan #requirements

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Enterprise Performance Management (EPM) for Santa Claus Inc.

The Christmas operations for Santa Claus, his elves, and reindeer need to adopt 21st Century methods to improve service levels to children and improve productivity given the capacity constraints in Santa’s North Pole workshop. It is now time for Santa to apply enterprise performance management (EPM) methods.

Automating Accounts Receivable: Shorter Cycle Times, Lower Costs

Top-performing manufacturers receive all of their receipts electronically or automatically.

The Affordable Care Act and Your Budget

Many companies are still not prepared for the changes imposed by the Affordable Care Act.

The Technology Tipping Point

One of the main challenges for CFOs will be to highlight the benefits of capitalizing on the convergence of emerging technologies.

IT Financial Management: What vs. How

The most important factor in a successful ITFM implementation is having a thorough understanding of what needs to be implemented before deciding on how to implement it.

Blog Entry Feb 13, 2015

Mining the Minds – Leverage the Workforce’s Knowledge

Business intelligence (BI) software tools are useful but not sufficient for potentially better decision making. New technologies are surfacing that leverages the knowledge of what is arguably an organization’s most valuable asset – its own employees.

Blog Entry Dec 2, 2014

Enterprise Performance Management (EPM) for Santa Claus Inc.

The Christmas operations for Santa Claus, his elves, and reindeer need to adopt 21st Century methods to improve service levels to children and improve productivity given the capacity constraints in Santa’s North Pole workshop. It is now time for Santa to apply enterprise performance management (EPM) methods.

Article Sep 30, 2014

Automating Accounts Receivable: Shorter Cycle Times, Lower Costs

Top-performing manufacturers receive all of their receipts electronically or automatically.

Article Aug 7, 2014

The Affordable Care Act and Your Budget

Many companies are still not prepared for the changes imposed by the Affordable Care Act.





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Captive Finance Company Definition #selling #your #business

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Captive Finance Company

What is a ‘Captive Finance Company’

A captive finance company is a subsidiary whose purpose is to provide financing to customers buying the parent company’s product. Captive finance companies can range in size from mid-sized entities to giant firms, depending on the size of the parent company. Their range of services can also vary widely, from basic card services to full-scale banking. A captive finance company can be a source of significant profits for the parent organization.

BREAKING DOWN ‘Captive Finance Company’

A captive finance company is usually wholly owned by the parent organization. The best-known examples of such companies are the giant subsidiaries of the “Big Three” automakers, and the store card operations of large retailers such as Wal-Mart, Target and Sears.

Due to the size and scale of their operations, the captive finance companies of the Big Three car manufacturers: General Motors Acceptance Corporation (GMAC), Chrysler Financial and Ford Motor Credit Company – are arguably almost as well-known as their parent companies. Note that subsequent to the bankruptcy of General Motors in 2009, GMAC underwent a name change to Ally Bank and rebranded as Ally Financial in 2010.





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Houston Finance – Personal Loans, Cash Loans, Signature Loans, Cash Advances, Houston Tx #houston

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Welcome to Houston Finance Online. We are one of the first loan companies from Houston Texas that is regulated by the Consumer Credit Commission to publish an online finance program for Houston Cash loans and Houston personal loans. Whether you’re a consumer with good credit looking for a personal loan in Houston. or a person with bad credit having problems obtaining a loan, you have come to the right place. At Houston Finance we have a program for everybody. so it is easy to get approved. For example, if your credit is not the greatest then you might want to consider our two options, an automatic bank debit loan or signature loan. If your credit is in good standing then you can qualify for our Houston Cash Loans or a Houston Signature loan. The great thing about Houston Finance is your interest does not vary on your credit score. In fact we are 10 times cheaper than Payday Advance Companies. Don’t let a payday loan company turn your loan into a bad credit loan. So what are you waiting for? Apply now online or call us at 713-228-2626 .We are located in downtown Houston on the corner of Main and Preston, basement level Suite B-101.

Personal Loan Information and Security

We know that entrusting your personal information to others can be stressful, especially online! We want to ensure you that we take our obligations to protect your personal information seriously. We use the latest web security best practices to protect your data including providing 256 bit encryption on the application page on which you provide your personal loans application data.





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MBA Australia Master of Business Administration #mba, #study #mba, #master #of #business #administration, #study,

Master of Business Administration Australia

Australian MBA programs have changed considerably from their somewhat staid and traditional reputation of a few decades ago to now exhibit a flexible response to the constantly changing business environment. This response includes the availability of various business specialisations and foci within the MBA Australia structure including strategy and management analysis in areas such as finance and accounting, operations management, human resource management, and marketing, all including both a local and an internationalised global approach. Along with this the program has adapted to become more accessible in terms of delivery with full time, part time, online and mixed mode options, along with a range of entry requirements from undergraduate degrees and work experience to graduate certificates and graduate diplomas in business and business management.

The outcome of this is an array of options with something to suit every prospective student including students on a career path towards corporate leadership, students advancing into the higher levels of public sector management, and students who want to start or develop their own small business. The program offering can also provide career changing pathways for individuals from technical backgrounds such as engineering, teaching, and nursing so they can move into management and leadership roles such as operations manager, school principal, nurse leader and beyond. The breadth and depth of modern day MBAs in Australia can even be attractive to someone who just wants to study for personal interest and self-development, although other rewards would almost certainly follow upon successful completion of a program undertaken with this purpose in mind.

This guide has been developed to make it easy to determine which Australian MBA courses most closely meet your study requirements.

You can search for a suitable program depending on:

The MBA journey begins with proper planning, and planning requires an understanding of all the important variables that can impact on the decision making process.

Use this guide along with the links and contacts provided to collect the information you need to embark on your journey well-prepared and with a confidence that the decision you ultimately make is the right one for you.

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Small Business Finance – Information and guidance on how to finance your business #business

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Every new business faces the challenge of finding the funding to sustain itself until it establishes a revenue and cash stream.

Starting Your Own Business

New business development is important because it creates much-needed jobs and generates economic activity, giving the economy a welcome boost. A number of organisations provide supports and advice for start-ups, including the Local Enterprise Office, Citizens Information and Enterprise Ireland.

Every new business faces the challenge of finding the funding to sustain itself until it establishes a revenue and cash stream.

These businesses need money to research new products and markets, to commission or produce feasibility studies and to pay employees as well as suppliers and other creditors.

Some businesses rely on money invested in the business by the founders themselves but most will need additional financing, whether it be grant support, external investors or bank/non-bank credit.

In this section we look at the financing options available to new businesses





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