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Find the Best Small Business Credit Cards – Compare 133 Card Offers #business #link

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Find the best Business lawyer near you #business #management #salary

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Business lawyers

What a Business lawyer can do for you

A business lawyer will advise you on many different aspects relating to business, such as regulation compliance, business incorporation, and legal liability. The sooner you retain a business attorney, the better. Your lawyer will make sure that you set up your business properly, create contracts for you, make sure you re hiring legal workers, file patents, buy and sell businesses, and more.

Practice areas related to Business

Why hire a Business attorney

If you want to start, manage, transfer, or exit a business, you may benefit from a business attorney’s services. Business attorneys have experience with many different industries and professional fields. If you are considering bankruptcy relief for your business, a business lawyer will also have the knowledge necessary to help you navigate your options for your business debt. Depending on your business and activities, you may need one or more type of business attorney.

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21 places to find the best free images for your business #business #studies

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21 places to find the best free images for your business

In the age of content marketing. high quality images are becoming increasingly important.

But for many small business owners, taking top-notch photos, or even paying someone else to take them, is too costly.

One alternative is to find beautiful images that can be used without a fee and that’s where the numerous online collections of free images come in.

We’ve rounded up 21 places to find free images to give your business’s marketing an edge.

But first a quick reminder: always check to make sure that the image you are downloading is available to use and whether you need to attribute the source.

If the photo is in the public domain, it is no longer under copyright and free for public use. Alternatively, if an artist has shared their photos under a Creative Commons license, there may be restrictions on how you can use the image, for what purposes and if you need to provide attribution.

Unsplash has one of the best collections of free, high-resolution images going around and 10 new photos are added every day. On Unsplash you’ll find beautiful photos of architecture, landscapes and flora and fauna.

All photos and videos on Pixabay are available under a Creative Commons licence and can be used for commercial projects. The database is searchable by category or content type.

At Crow the Stone, you’ll have access to beautiful images that wouldn’t be out of place in an exhibition at an art gallery. No attribution is required for these images and you can sign up to receive new images in your inbox each week.

If it’s culinary imagery you’re after, try FoodiesFeed, a database of realistic images of a wide variety of food. Paid subscriptions to premium images are available and you can sign up to receive 20 foodie photos a month.

For businesses in the professional services field, Startup Stock Photos could be worth a look. This database is made up of completely free technology and startup themed photos.

Death of the Stock Photo is a membership-based photo library that aims to be “just like coffee for the modern creative”. Once a member, you’ll have access to high-quality photos that you can do with whatever you please.

Cupcake is the creation of photographer Jonas Wimmerstrom and all the images on the site are available under a Creative Commons licence, including for commercial projects. No attribution is required, although this talented photographer says people are welcome to let him know where his images are being used.

Does your marketing project have a particular colour scheme? Negative Space is one of a number of free image databases that can be searched by colour. All images are available under a Creative Commons licence with no copyright restrictions.

Find A Photo combines free images from a range of other photo libraries, including Unsplash and Startup Stock Photos. Similar to Negative Space, this database is also searchable by colour.

The images available from Freerange Stock are created by an in-house team as well as contributing photographers, who can earn income from advertising on the site. All images are free to use, however, you must sign up to the site to get access.

Get Refe’s aim is to “help organisations and individuals bring ideas to life in a memorable way” by providing high-quality, natural images of people interacting with technology. You can browse through the site’s collection of free images or pay a small fee to receive monthly packs of curated images.

A favourite in the SmartCompany office, Pexels offers more than 5000 free images under a Creative Commons Zero license – which means all images are completely free for personal and commercial use. Around 600 new images a month are added to the database, which includes high-quality images of work environments, people, animals and nature – and just about everything in between.

Does your project need a vintage image? Try New Old Stock. This site is a collection of vintage photos that are in the public domain and therefore free of copyright restrictions.

Another great source for free historical images are public libraries. For example, the State Library of Victoria maintains a pool of around 200,000 photos, illustrations and maps that are either out of copyright or available for use.

For free colourful and quirky images, try Gratisography. All of the photos on this site were taken by photographer Ryan McGuire and are free to use. However, McGuire says he takes better photos when he is caffeinated and so will happily take PayPal donations to his Creative Coffee Fund.

ImageFinder started out as a search engine for images on Flickr that are licensed under Creative Commons, however, the site now also searches Creative Commons licensed images from other stock sites. Think of ImageFinder as directory for free images; you’ll need to download the photos from their original source and check if attribution is required.

PicJumbo is home to 15 categories of completely free images that can be used for both personal and commercial projects. Like many sites that provide free images, you can sign up to receive notifications when new images are available or pay to access premium image collections.

IM Creator not only provides a curated selection of free images – you’ll also find other free marketing tools on this site, including website templates, icons and buttons.

MMT is a collection of vibrant photos from photographer Jeffrey Betts, which are all available for commercial use under a Creative Commons Zero license.

If you’re looking for high-quality, creative images of a New York street scape or European landmarks, Picography may be for you. All photos are available under a Creative Commons Public Domain license.

As its name suggests, Public Domain Archive is a repository for public domain photos. The photos are divided into modern and vintage photos and new images are added each week.





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How to Find the Right Business Partner for Your Startup #sba #financing

#business partner

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How to Find the Right Business Partner for Your Startup

Starting a business is notoriously difficult, and going it alone can make those challenges even harder to overcome. That s why many entrepreneurs choose to launch their company with one or more business partners who can help lighten the load.

Finding good business partners is critical to success, said Sherry Fox, co-founder and chairman of LumiWave. There are many different types of partners, from someone who works with you side by side to build your business, to individuals or companies who contribute in specific areas, such as marketing, engineering, etc. Every person or entity that interacts with your business is a partner in some way and affects your ability to succeed.

I believe there is strength in numbers, added Carlo Ruggiero, co-founder of the U.S. branch of European pizza franchise Kono Pizza. When multiple partners share the same vision, the result is a stronger and more unified team.

But you can t just choose anyone to be your partner; you need to be able to work with that person day in, day out, and both of you must be able to focus on the business s objectives.

Sabrina Parsons, CEO of Palo Alto Software. likened a business partnership to a marriage. Your partner is such an important piece of [your] success, and many times, bad partnerships lead to bad business, she said.

If you need a partner but aren t sure where to start, here s how to find, evaluate and work with a prospective business partner. [See Related Story:Choosing a Business Partner? 4 Qualities to Look For]

Look to your network first

Our expert sources agreed that an entrepreneur s connections are the best candidates for potential business partners.

Reaching out to your professional network can provide a rich list, said Jon Weston, CEO of LumiWave and Fox s business partner. I ve received good information and direction from the diaspora of my [previous] companies. General networks or online community groups are too anonymous to find good feedback.

Referrals from trusted colleagues also can be helpful, Fox added. However, Weston cautioned that you should gauge the person making the referral before considering his or her recommendation.

Evaluating a business partner

Once you ve found someone who could be a great potential business partner, how do you evaluate whether that person is truly the right fit? One of your first considerations should be how your personalities, backgrounds, values and experiences complement each other.

While you want a partner that will work well with your culture and style, you don t want a clone, either you want a partner who can fill in the gaps, Weston said. That is the tension you need to look for.

Similarly, Ruggiero said he and his co-founders, David Ragosa and Greg Kinlaw, needed the right combination of personalities and skills to succeed.

[Our] differences allow us to approach each situation in multiple ways, he told Business News Daily. David and I are the go-getters. Greg provides a great balance he is an expert at taking our crazy ideas and making sure we have the numbers to back them. We are constantly learning from each other and are able to use these exchanges to positively influence our business.

However, getting along well isn t enough to ensure a successful partnership. No matter how well you know your potential partner, you re still running a business and thus need to take the appropriate precautions to ensure that any partnership is a smart decision. Weston noted that thoroughly researching your partner is an important part of this process.

Do your due diligence, Weston said. You can do a lot [by] just Googling. Most people and organizations leave a digital trail. Dive into the legal databases. Ask for references, but also research any clients they have worked with or been associated with, and contact them.

Fox agreed, noting that you should vet a partner carefully with all sources available, such as LinkedIn, company websites and former partners. Parsons also advised formally interviewing a prospective partner to better understand his or her skill set.

Finally, before you sign any legal agreements, you must understand how you and your partner will handle a variety of business situations. This is something to discuss at length during your evaluation phase.

Make very clear [written] agreements that take into consideration what happens when things go well and when things go poorly, Parsons said.

Talk openly and frankly about who you are and what you want, Fox added. Spend significant time exchanging ideas and concepts, [and] understand their. short-term and long-term [goals]. Do you agree on the end game?

Making a partnership work

Think you ve found the perfect business partner? Based on their experiences, our sources offered a few pieces of advice for a fruitful and productive partnership.

Define your respective roles. Clearly defining your roles within the company ensures that each partner s time is spent effectively, Ruggiero said. This will prevent partners from stepping on each other s toes and will ultimately save the company money.

Measure your success. Fox recommended that potential business partners work together on a trial basis to test out how well the partnership might work.Set up some parameters and milestones, and make sure what you thought about the potential partner is reality, she said. From there, conduct frequent reviews to make sure you are still on the same page.

Communication is key. Constant honest and open communication is a must. When problems arise, they need to be solved by both (or all) business partners. Ruggiero reminded entrepreneurs that at some point, each partner will make a mistake, and you cannot be afraid to bring it up. Each partner needs to do what s best for the business, he said, and part of doing this is eliminating any negative emotions to avoid a dispute if someone points out a mistake.

Trust your gut. If something doesn t feel right, it probably isn t. Weston recalled little red flags that popped up in conversations with potential partners.

Some things don t quite mesh or add up in the back of your mind. Trust this, he said. It is easier to walk away and be picky than pick up the pieces later.

Some source interviews were conducted for a previous version of this article.

Nicole Fallon Taylor

Nicole received her Bachelor s degree in Media, Culture and Communication from New York University. She began freelancing for Business News Daily in 2010 and joined the team as a staff writer three years later. She currently serves as the managing editor. Reach her by email. or follow her on Twitter .

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  • Bad Credit? Where to Find Business Loans #design #business #card

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    Bad Credit? Where to Find Business Loans

    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 .

    Bad credit is a red flag for lenders. It indicates you’ve either mismanaged your personal finances or fallen on hard times. Either way, lenders see you as higher risk — more likely to miss payments or default on a loan than a borrower with good credit.

    Bad credit (defined by FICO as a score of 300 to 629) is one reason loan applications are rejected; the approval rate of business loans from big banks was just 23.3% as of June 2016, according to Biz2Credit. But alternative lenders provide options. They emphasize the strength and operating history of your business rather than your credit. Be sure to carefully compare all of your choices, weighing terms and annual percentage rate.

    Here are some options:

    Note: If you’re a startup less than a year old, it’ll be tough to find a loan, no matter your credit. Here are financing ideas to help you launch your company.

    If your personal credit score is under 500

    With a score below 500, your best bet is likely a lender with no minimum credit score. Many lenders require a minimum score to qualify, but Fundbox and Kabbage don’t. Both are good, although pricey, choices for bad-credit borrowers who need short-term working capital up to $100,000. Fundbox, however, is only for businesses with unpaid customer invoices. There’s no minimum revenue with Fundbox and no credit check. For Kabbage’s line of credit, you need least $50,000 in annual revenue and one year in business.

    If your personal credit score is 500 or higher

    With a personal credit score of at least 500 or 530, you could qualify for OnDeck or BlueVine. OnDeck is for businesses that have at least $100,000 in annual revenue and is better if you need cash for an expansion (such as purchasing equipment or making renovations). The lender reports payment activity to the three credit bureaus, so paying off your loan on time will help build your credit score. If your score is at least 530 and your business has unpaid customer invoices, consider BlueVine invoice factoring.

    Good option for:

    • Fast cash
    • Inventory
    • Expansion

    • Fast cash
    • Working capital
    • Businesses with unpaid invoices

    500+ credit score
    • $100,000+ revenue
    • No personal bankruptcies in past 2 years

    530+ credit score
    • Must have unpaid customer invoices
    • $120,000+ annual revenue
    • 3+ months in business

    If your personal credit score is 600 or higher

    Because your score is at least 600, you can turn to Dealstruck or StreetShares for financing. For larger amounts of funding and lower borrowing costs, consider Dealstruck, as it has term loans and lines of credit up to $500,000 with APRs from 10% to 28%. However, you’ll also need strong minimum annual revenue of $150,000 to qualify. If you have $25,000 or more in revenue, StreetShares is an option. Its loans max out at $100,000 with 9% to 40% APR.

    Good option for:

    • Expansion, inventory purchases
    • Businesses with unpaid invoices

    • Young businesses
    • Veterans

    600+ credit score
    • $150,000+ annual revenue
    • 1+ year in business

    600+ credit score
    • $25,000+ annual revenue
    • 1+ year in business, unless you already have $100,000 revenue (drops to six months)





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    Easy online business ideas, rn can t find job #business #computers

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    Main menu

    Easy online business ideas

    Easy online business ideas Analysis

    Check out our list of the 25 best online business ideas from the pros. Start your. Setting up a blog is an easy online business to start. You can.The following 50 online business ideas are all great opportunities to start. candles, or cookware, selling online has become easier than ever. easy online business ideas Are you looking to start a successful online business from home? Check out these 5 unique business ideas that filled a smaller niche and saw big success. The site isn’t flashy, but it’s simple and effective. Santa Mail has been around since.Jul 11, 2016. Interested in starting an online business, but unsure of where to begin. to create attractive, easy-to-use websites for small businesses.

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    Where to Find Small-Business Funding #stocks

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    Where to Find Small-Business Funding

    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 .

    So you’ve had an entrepreneurial breakthrough. Your research shows your idea is sound, and you’ve detailed all its nuances in a comprehensive business plan. You know how to spread the word about your new venture and how you’ll plan for future growth.

    Now, how are you going to fund it?

    Traditional small-business funding took a hit during the financial crisis, with banks opting for bigger, more secure investments over small-business ventures. Data from the Federal Deposit Insurance Corp. show small-business lending hasn t returned to pre-recession levels; loans of $100,000 to $250,000 have fallen 22% since 2007.

    But it s still possible to get the capital you need to launch, maintain or grow your business. And once you identify small-business funding that s right for you, there are steps you can take to increase your chances of getting a business loan .

    5 ways to fund your small business

    1. If you have an established business, collateral, strong credit and finances:

    Banks. Traditional banks are still a great starting point and can help you figure out where you stand in terms of funding. Even if your business doesn t have a strong enough track record and enough assets as collateral to qualify for a loan, talking to someone at a traditional bank can help you figure out what documents you need and what your best options may be.

    2. If your business falls just outside of a traditional bank’s strict lending criteria:

    SBA. The U.S. Small Business Administration offers lenders, almost exclusively banks, a federal guarantee on your loan, making it less risky for them to lend you the funds you need to be successful. In doing so, the SBA also connects you with favorable rates offered by traditional lenders. And unlike most bank loans, you can use an SBA loan to start a business. However, the application process isn t easy, and you can find yourself trapped under a heap of documents while you work through the appropriate forms. Online lender SmartBiz provides a more streamlined application process, originating SBA loans faster than traditional banks.

    3. If you have bad personal credit, need cash fast or don’t want to wait for a bank loan:

    Online alternative lenders. With traditional banks limiting access to capital, alternative lenders have seen an increase in popularity. A report by Morgan Stanley predicts they’ll provide 16% of small-business loans by 2020. They are particularly useful for owners struggling with bad credit or those in need of fast cash. with several online lenders able to turn around funding within 24 hours. Peer-to-peer lenders are among the alternatives; these lenders cut out the traditional middleman — such as a bank — to connect borrowers with individual and institutional investors. The cost of borrowing, however, is much higher; some charge annual percentage rates over 100%. Still, alternative lenders are a good option when the bank says no.

    4. If you think your product can capture the interest of the public:

    Crowdfunding. Crowdfunding sites such as Kickstarter rely on investors to help get an idea or business off the ground, often rewarding them with perks or equity in exchange for cash. Although the popularity of these services has increased in recent years (the SBA even offers an online course in crowdfunding), there are caveats. For one, your product or company has to be intriguing enough catch the eye of multiple investors. With equity crowdfunding, there are strict securities laws and rules to follow for investors and entrepreneurs alike.

    5. If you have an existing membership and like a personal touch:

    Credit unions. Like banks, credit unions offer favorable rates and loans backed by the SBA. But unlike banks, credit unions have increased their small-business lending 60% since 2008, according to the National Association of Federal Credit Unions. Though you’ll likely have to be a member, the co-op nature of credit unions often ties them to the community, so you may also reap the benefits of more personal relationships and name recognition.

    Find and compare small-business loans

    NerdWallet has come up with a comparison tool for the best small-business loans to meet your needs and goals. We gauged lender trustworthiness, market scope and user experience, among other factors, and filtered 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.

    This post has been updated. It was originally published Oct. 29, 2014.

    Image via iStock.

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    Inspiring Women Entrepreneurs: How to Find Your Business Idea #what #is #the #stock #market

    #business ideas for women

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    Inspiring Women Entrepreneurs on How to Find Your Business Idea

    Credit: Dragon Images/Shutterstock

    Women may have once been pigeonholed into certain professions, but no longer are they simply expected to do gender-specific jobs. Female professionals are taking control of their careers in a way that works best for them, including when and how they start their own businesses.

    Everyone has to start a business that s meaningful to them; I think it s an old model to tell [women] to go into a specific field, said Carin Rockind. a happiness and life purpose expert. I think that s got us to where we are today. What you re passionate about is way more important. Women need to tap into what they re good at and what makes them feel great.

    American Express OPEN s 2016 State of Women-Owned Businesses Report found that 11.3 million U.S. businesses are currently owned by women, and an average of 1,072 new female-owned companies are being started every day. This number is growing five times faster than the national average for all businesses, meaning more women than ever are taking the leap into entrepreneurship. [See Related Story:Money and Connections Still Hurdles for Women Entrepreneurs]

    As to what kinds of businesses a female entrepreneur should start, businesswomen agree that the sky is the limit.

    I don t think there are any guidelines to the type of companies women should begin, said Cologne Trude, co-founder and creative director of Show Me Your Mumu. a boho-chic clothing line. Women s strengths are so diverse that opportunities are endless.

    I think women should get excited about what excites them, added Melinda Emerson. an author and business coach known as SmallBizLady on Twitter. There aren t [enough] women-centric businesses out there.

    Where to start

    Emerson suggests starting a business you know something about. When you re ready to begin the business you re most passionate about, consider your limitations.

    I have seen people quit really good jobs to start businesses they hate, Emerson said. There are fantasies of grandeur about running a business. It s really hard out there.

    If you have no savings, no money and bad credit, you should not start a business, Emerson said. She suggests saving 20 to 40 percent per paycheck before you quit your job to begin your business.

    Most important, Emerson emphasized the importance of doing your research. Make sure you know who your paying customer is.

    You always have to check and make sure your business model makes sense in an industry that s growing and not sinking, Emerson said. It needs to be relevant three to five years from now. You don t want [technological advances] taking your business.

    As you get your business off the ground, surround yourself with people who will help you succeed, whether it s through support or lending a hand to get the business started, said Cammy Miller, co-founder and creative director of Show Me Your Mumu.

    Being a leader doesn t mean you have all of the answers and the more open you are to learning from everyone around you, the more you can grow in your role, Miller said.

    One of the things that s been harder for me to learn is to bring other people with you, happiness expert Rockind added. It s very lonely to have your own business. There are so many important skills, and you can t be good at everything. ItꞋs OK to ask for help and collaborate with other people.

    Love what you do

    Building a business from the ground up is challenging no matter how you look at it. But, ultimately, you should love what you do.

    I always encourage female entrepreneurs to be strong and work hard at what they love. Starting and running a business is by no means easy, and there are going to be a lot of hardships and emotional setbacks, Trude said. As a female, running Mumu has been very stressful and emotional at times, but every tear has been worth it and I am stronger because of it.

    If Rockind had to go back in time to give herself advice, it would be to just do it.

    You have to put yourself out there, she said. Believe in yourself and your purpose.

    Shannon Gausepohl graduated from Rowan University in 2012 with a degree in journalism. She has worked at a newspaper and in the public relations field, and is currently a staff writer at Business News Daily. Shannon is a zealous bookworm, has her blue belt in Brazilian jiu jitsu, and loves her Blue Heeler mix, Tucker.

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  • Find the best Business lawyers near you #online #business #opportunity

    #business lawyer

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    Business lawyers

    What a Business lawyer can do for you

    A business lawyer will advise you on many different aspects relating to business, such as regulation compliance, business incorporation, and legal liability. The sooner you retain a business attorney, the better. Your lawyer will make sure that you set up your business properly, create contracts for you, make sure you re hiring legal workers, file patents, buy and sell businesses, and more.

    Practice areas related to Business

    Why hire a Business attorney

    If you want to start, manage, transfer, or exit a business, you may benefit from a business attorney’s services. Business attorneys have experience with many different industries and professional fields. If you are considering bankruptcy relief for your business, a business lawyer will also have the knowledge necessary to help you navigate your options for your business debt. Depending on your business and activities, you may need one or more type of business attorney.

    The Avvo advantage

    Avvo gives you all the information you need to find the right lawyer.

    • 50 states
    • 120 areas of law
    • Detailed profiles including reviews
    • 50 states
    • 120 areas of law
    • Detailed profiles including reviews




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