Tag: for

11 Grants for Women-Owned Businesses You Need to Know About #small #business #loan

#small business grants

#

11 Grants for Women-Owned Businesses You Need to Know About

In 2014, there were close to 9.1 million women-owned businesses in the United States, a 68 percent increase since 1997, according to The 2014 State of Women-Owned Businesses Report from American Express. This percentage increase exceeded the national average of small business growth by 1.5 times.

It also illustrated what we already know: Women entrepreneurs are having a tremendous impact on the small business landscape nationwide.

Yet to continue to be competitive and grow, these entrepreneurs have to find funding for their ventures. And, alarmingly, women entrepreneurs are increasingly being turned away by banks for small business loans. Thankfully, they still have other options, given the rise of technology-driven financial lending sources — such as online loans, peer-to-peer loans and crowdfunding.

Then there are government grants. While not widely known or used, these grants are another great option for women seeking extra funding for their business ventures. They just take a little more work.

Understanding grants

Business owners often turn to grants because they are not required to pay them back; essentially, you can look at grants as free money, but they come with stipulations. Also, understanding and navigating the grant process can be complex.

First, you have to research and find a grant for which you re eligible. Then, you have to understand the strict application and compliance guidelines you must meet, to be eligible. Third, you have to compete with other businesses for the same pool of money. Fourth, if you re awarded a grant, you must report on how you used it. Finally, you must devote time and energy to the lengthy application process, then wait for approval. In a nutshell, you need to have all of your ducks in a row, up-front and afterward.

Finding federal and state grants

Many business owners think that federal grants are just a click away. We have all seen the ads promoting free federal money to start businesses. But this is a huge misconception. While there are federal grants available in the areas of medical research, science, education and technology development, no such grants exist specifically for women-owned businesses. You may find grants that fund projects that empower women, but such funding is often set aside for nonprofit corporations, not for-profit businesses.

When researching grants specifically for a woman-owned business, start at the state level. Most states offer grants for women-owned businesses in some capacity. Each state website has a business section where you can find grant and funding opportunities for women and minority-owned businesses. A good example of this is the business section for the state of New York. which lists incentives and programs for businesses. Check out your state s site to find out what is available for your business.

Another great resource to use in your research is the Minority Business Development Agency (MBDA). The MBDA is an agency of the U.S. Department of Commerce that assists minorities and women in establishing and growing their businesses. On its site, you can research grants and access links to state agencies that work with women-owned businesses for funding opportunities. Click here to view all of the state agencies across the country.

Private grants for women

To help in your search, we gathered information on these private grants for women entrepreneurs started:

  1. The Eileen Fisher Women-Owned Business Grant Program. Five grants are awarded annually. The businesses must be 100 percent women-owned and have founding principles of social consciousness, sustainability and innovation, plus be ready to move to the next phase of development. In 2014, the program awarded $125,000 in grants.
  2. Huggies Brand — Mom Inspired Grants. The grant awards up to $15,000 to advance the development of innovative products inspired by the joys of motherhood. The awardees also receive resources to further develop their products and startup businesses.
  3. FedEx Think Bigger — Small Business Grant Program. Applicants are encouraged to share their visions to receive a portion of the $75,000 awarded in grants. Part of the judging involves the general public voting for the finalists, so participants may promote their businesses while garnering votes.
  4. Idea Caf Small Business Grant. The Idea Caf is a free gateway that hosts different grants on its site. Its current grant is the 16 th Small Business Cash Grant. which awards one $1,000 grand prize to a business with the most innovative idea.
  5. InnovateHER: 2015 Innovating for Women Business Challenge. This business challenge is sponsored by the Small Business Administration (SBA) Office of Women s Business Ownership. The challenge awards three winners $30,000 in prize money for businesses that have an impact on the lives of women. However, be aware of the recent fraud news around the SBA .
  6. Chase Google — Mission Main Street Project. Chase and Google have partnered to award $3 million in grants. In 2014, recipients were awarded $150,000 to help take their businesses to the next level. Recipients also received a trip to Google headquarters, a Google Chromebook laptop and a $2,000 coupon toward a market research study with Google Consumer Surveys.
  7. Small Business Innovation Research (SBIR): Eleven different federal agencies participate in this awards-based program, which incentivizes and enables small businesses to explore their technological potential.
  8. Small Business Technology Transfer Program (STTR). The STTR program reserves a specific percentage of federal research and development funding to provide funding opportunities in research and development.
  9. Women Veteran Entrepreneur Corp (WVEC) Small Business Competition. This competition, organized by Capitol One and Count Me In for Women s Economic Independence. allows participants to present two-minute pitches for a chance to participate in a nine-month business accelerator program.
  10. Wal-Mart Women s Economic Empowerment Initiative (WEE). As part of a huge Wal-Mart initiative, sourcing opportunities for U.S. and international companies will increase to $40 billion over five years.
  11. Zions Bank — Smart Women Smart Money. This Utah-based bank s grant annually awards $3,000 across six different categories, including business.

Applying for a grant

Once you find a funding opportunity, there are steps required to apply. A few tips to assist you:

  • Make sure that your business is eligible for the grant: Read the grant synopsis guidelines and eligibility requirements.
  • Create a checklist for all of the documents required.
  • Follow the rules. Grant applications can be very technical. It wouldn t hurt to have a second (or even third) set of eyes when reviewing the application to ensure that you have provided all accompanying documents.
  • Start early. Since the application process can be long in some cases, it doesn t hurt to get a jump on things.

If you find the grant application process too daunting or lengthy for your small business, Kabbage is committed to supporting small business loans for women business owners. Because our application process is fully automated and online, we can quickly provide small business loans of up to $100,000. We use simple, meaningful revenue data from your business to approve your business — not elaborate documentation that takes extensive time to gather. To learn more, visit Kabbage.com.





Tags : , , , , , , , , ,

Guaranteed Bad Credit Business Loans For Small Businesses #small #business #accounting

#bad credit business loans

#

Apply Now

Bad Credit Business Loans

Are you struggling with bad credit? Are you tired of lenders saying “NO” due to bad credit history and need cash for your business in hurry? There is hope! Getting the money you need to support your venture can be easy by applying for a loan through Merchant.

When Your Funding Source Says “NO” Due To Bad Credit Issues, Merchant Advisors Says “YES”.

In the current shaky economic conditions, small businesses with bad credit often experience difficulty in getting quick business financing from banks. Because of the high risk, business loan rates are much higher and repayment terms are shorter than those for with ‘good’ credit. Approval takes forever and turnaround time is also quite lengthy. Procuring working capital in such circumstances has become a tough task for small businesses. This put businesses further into debt, straining its credibility as well as credit rating.

Business Financing For Businesses with Bad Credit

Merchant Advisors offers bad credit business loans that don’t require a perfect credit score. We count on your business performance – not on your credit score. A majority of our business loans for bad credit don’t show up on your credit report as an outstanding loan. And, this means that your business can take advantage of other financing programs outside of what we provide.

The greatest benefit about our bad credit loans is that you don’t have to provide any type of collateral. A lot of the time there will be minimal credit checks and the credit checks are in place only to make sure you’re human! Plus we ensure a smooth borrowing and repayment process. The repayment terms are flexible and you don’t need to have a business plan to get a loan. Whether you need funds to cover payroll or buy new inventory, or wanting to make an expansion; our bad credit business loans cover everything.

QUICK AND FAST BAD CREDIT BUSINESS LOANS

  • Certain programs report positive history to credit bureaus.
  • Helps you establish a positive credit history personally and through your business
  • Lower rates and flexible terms
  • Get cash within hours of your approval.
  • Get your credit back on track.

What Sets Us Apart from Other Lenders?

  • No collateral required for business loans
  • Poor credit OK, bad credit, no business credit- O.K
  • No strings attached to small business loans – transparency in the process
  • No business loan application fee or business loan closing fees Certain loan programs are tax deductible
  • Multiple small businesses, unsecured loans, and multiple credit options
  • Merchant Advisors = Small business financial advisors creating custom business loan plans




Tags : , , , , , , ,

How to Write a Business Report for English Learners #e #business

#business report

#

How to Write a Business Report for English Learners

By Kenneth Beare. English as 2nd Language Expert

Kenneth is an ESL teacher, trainer, and content developer. He provides consulting services for English language learning projects through Englishfeed. You can follow Kenneth on Twitter. on his Google profile: Kenneth Beare. or on Facebook to stay up to date on his latest English learning materials.

Updated July 28, 2015.

If you would like to learn how to write a business report in English follow these tips and use the example report as a template on which to base your own business report. First of all, business reports provide important information for management that is timely and factual. English learners writing business reports need to make sure that the language is precise and concise. The writing style used for business reports should present information without strong opinions, but rather as direct and accurately as possible.

Continue Reading Below

Linking language should be used to connect ideas and sections of the business report. This example business report presents the four essentials that every business report should include:

Terms of reference refer to the terms on which the business report is written.

The procedure describe the method that was used to collect data for the report.

The findings describe the data or other important information the report produced.

Conclusions are drawn on the findings which provide reasons for recommendations.

The recommendations are specific suggestions made based on the conclusions of the report.

Read the short example business report and follow the tips below. Teachers can print this examples for use in class in lessons using sound teaching writing strategies .

Reports: Example Report

Margaret Anderson, Director of Personnel has requested this report on employee benefits satisfaction. The report was to be submitted to her by 28 June.

A representative selection of 15% of all employees were interviewed in the period between April 1st and April 15th concerning:

Continue Reading Below

  1. Overall satisfaction with our current benefits package
  2. Problems encountered when dealing with the personnel department
  3. Suggestions for the improvement of communication policies
  4. Problems encountered when dealing with our HMO
  1. Employees were generally satisfied with the current benefits package.
  2. Some problems were encountered when requesting vacation due to what is perceived as long approval waiting periods.
  3. Older employees repeatedly had problems with HMO prescription drugs procedures.
  4. Employees between the ages of 22 and 30 report few problems with HMO.
  5. Most employees complain about the lack of dental insurance in our benefits package.
  6. The most common suggestion for improvement was for the ability to process benefits requests online.
  1. Older employees, those over 50, are having serious problems with our HMO s ability to provide prescription drugs.
  2. Our benefits request system needs to be revised as most complaints concerning in-house processing.
  3. Improvements need to take place in personnel department response time.
  4. Information technology improvements should be considered as employees become more technologically savvy.
  1. Meet with HMO representatives to discuss the serious nature of complaints concerning prescription drug benefits for older employees.
  2. Give priority to vacation request response time as employees need faster approval in order to be able to plan their vacations.
  3. Take no special actions for the benefits package of younger employees.
  4. Discuss the possibility of adding an online benefits requests system to our company Intranet.

Important Points to Remember

  • A report is divided into four areas:
    • Terms of Reference – This section gives background information on the reason for the report. It usually includes the person requesting the report.
    • Procedure – The procedure provides the exact steps taken and methods used for the report.
    • Findings – The findings point out discoveries made during the course of the report investigation.
    • Conclusions – The conclusions provide logical conclusions based on the findings.
    • Recommendations – The recommendations state actions that the writer of the report feels need to be taken based on the findings and conclusions.
  • Reports should be concise and factual. Opinions are given in the conclusions section. However, these opinions should be based on facts presented in the findings .
  • Use simple tenses (usually the present simple) to express facts.
  • Use the imperative form (Discuss the possibility. Give priority. etc.) in the recommendations section as these apply to the company as a whole.

Continue learning about other types of business documents using these resources:





Tags : , , , , , , , ,

Student Loan Services – Ways to Pay for College #student #loan #services, #college #financing,

#

Student Lending and Services

* Multi-year approval funds available for future use are subject to a soft credit inquiry at time of your next request to verify continued eligibility. After we make the initial loan to you, we may refuse to allow you to take out additional loans under the multi-year approval feature, terms and conditions will be outlined in your promissory note.

1 Average savings of $643 are calculated using the 2016/2017 Award Year Federal Direct PLUS Loan program reporting (as of 5/03/2017 for quarter ending December 31, 2016 not including Grad PLUS) of originations of

$11.1 billion to 740,097 borrowers through 769,597 loans with an average loan size of $15,035.30. Average fee savings is possible with either private student loan option we offer, including the Citizens Bank Student Loan or the Citizens Bank Student Loan for Parents.

2 Average savings based on 57,772 actual customers who refinanced their federal and private student loans through our Education Refinance Loan between January 6, 2014 and January 31, 2017. The borrower s savings might vary based on the interest rates, balances and remaining repayment term of the loans they are seeking to refinance. The borrower s overall repayment amount may be higher than the loans they are refinancing even if their monthly payments are lower.

3 U.S. Dept. of Education. The loan fee is a percentage of the loan amount and is proportionately deducted from each loan disbursement. For Loans first disbursed between October 1, 2016 and September 30, 2017 the origination fee is 4.276%.

4 Interest rate reduction of up to 0.50 percentage points is possible with the following discounts:

Loyalty Discount: The borrower will be eligible for a 0.25 percentage point interest rate reduction on their loan if the borrower or their co-signer (if applicable) has a qualifying account in existence with us at the time the borrower and their co-signer (if applicable) have submitted a completed application authorizing us to review their credit request for the loan. The following are qualifying accounts: any checking account, savings account, money market account, certificate of deposit, automobile loan, home equity loan, home equity line of credit, mortgage, credit card account, or other student loans owned by Citizens Bank, N.A. Please note, our checking and savings account options are only available in the following states: CT, DE, MA, MI, NH, NJ, NY, OH, PA, RI, and VT and some products may have an associated cost. This discount will be reflected in the interest rate disclosed in the Loan Approval Disclosure that will be provided to the borrower once the loan is approved. Limit of one Loyalty Discount per loan and discount will not be applied to prior loans. The Loyalty Discount will remain in effect for the life of the loan.

Automatic Payment Discount: Borrowers will be eligible to receive a 0.25 percentage point interest rate reduction on their student loans owned by Citizens Bank, N.A. during such time as payments are required to be made and our loan servicer is authorized to automatically deduct payments each month from any bank account the borrower designates. Discount is not available when payments are not due, such as during forbearance. If our loan servicer is unable to successfully withdraw the automatic deductions from the designated account three or more times within any 12-month period, the borrower will no longer be eligible for this discount.





Tags : , , , , , , , ,

Pure Storage Recognized as Top Workplace by San Francisco Business Times for Third Consecutive

#sf business times

#

Pure Storage Recognized as Top Workplace by San Francisco Business Times for Third Consecutive Year

All-Flash Enterprise Storage Company Ranks #2 Among Bay Area Companies with 101-500 Employees on Annual Best Places to Work List

MOUNTAIN VIEW, CA – April 25, 2014 — Pure Storage, the all-flash enterprise storage company, today announced that it has been named to the San Francisco Business Times’ annual list of Best Places to Work in the Bay Area for a third consecutive year. The company ranked #2 in the medium-sized company category (101-500 employees), and received high marks for its meritocratic work environment, diverse and talented workforce, and thriving company culture.

The 11th annual Best Places to Work in the Bay Area awards were presented by the San Francisco Business Times and Silicon Valley Business Journal at a ceremony on April 17, 2014. Each year, the publications compile the annual list based on employee surveys that measure worker satisfaction across several areas, including personal growth, workplace environment and managerial effectiveness.

“Spontaneous fun” tops the list of employees’ favorite things about office life at Pure Storage. From impromptu Nerf Bazooka fights, to company-wide in-office bungee races, the “Puritans” enjoy a truly ‘work-hard, play-hard’ culture. The company’s smart, dedicated team and hands-on, “in the trenches” executive leadership were also highlighted by employees as being key to what makes working at Pure Storage special.

“It is an honor to again be recognized as one of the Bay Area’s top workplaces by the SF Business Times, and we are immensely grateful to our employees for their enthusiasm and support,” said Scott Dietzen, CEO of Pure Storage. “Ultimately, it’s the people and culture at Pure Storage that make our company great. We’re proud to offer a work environment where trailblazers, innovators and disruptors thrive. We look forward to adding more exceptional people to our ranks in 2014—in the Bay Area, and beyond—as we continue to aggressively scale our operations around the globe.”

Pure Storage was founded in 2009, with a vision to transform the enterprise storage industry. Since emerging from stealth in 2011, it has achieved unprecedented growth, expanding rapidly to meet global demand for its next generation, all-flash enterprise storage array. Even as it scales to support massive global growth, the company remains committed to preserving the culture, ethics and values it was founded on. To learn more about career opportunities at Pure Storage, visit: http://www.purestorage.com/company/jobs.html.

To see a complete list of the San Francisco Business Times’ 2014 Best Places to Work in the Bay Area honorees, visit:http://www.bizjournals.com/sanfrancisco/feature/best-places-to-work-2014/ .

About Pure Storage

Pure Storage, the all-flash enterprise storage company, enables the broad deployment of flash in the data center. When compared to traditional disk-centric arrays, Pure Storage all-flash enterprise arrays are 10x faster and 10x more space and power efficient at a price point that is less than performance disk per gigabyte stored. The Pure Storage FlashArray is ideal for high performance workloads, including server virtualization, desktop virtualization (VDI), database (OLTP, real-time analytics) and cloud computing. For more information, visit www.purestorage.com .

Connect with Pure Storage:

The Pure Storage and P logo marks, Purity Operating Environment and RAID-3D are trademarks of Pure Storage, Inc. All other trademarks or names referenced in this document are the property of their respective owners.





Tags : , , , , , , , , , , , , , ,

Where to Find Small Business Grants for Women #business #invoices

#business grants for women

#

Where to Find Small Business Grants for Women

Do you think financing a small business’s startup and expansion is as easy as obtaining a free grant from the government? You might (almost) be excused for believing that Uncle Sam is handing out bags of free money to anyone with two X chromosomes. In addition to late-night infomercials about government grants, dozens of articles full of misinformation about small business grants for women can be found online, full of vague terms and hazy promises like “The government offers a wide range of grants for women entrepreneurs.”

Well, I hate to be the bearer of bad news, but as the saying goes, “If it sounds too good to be true, it probably is.” Small business grants for women are few and far between. Why? Here’s what you need to know.

The Federal Government Doesn t Provide Grants for Starting and Expanding a Business

First, to quote from the SBA’s website, “ The federal government does NOT provide grants for starting and expanding a business. ” Instead, the federal government gives grants to non-commercial entities, such as universities or nonprofit organizations.

How did the misconception that the government provides small business grants arise? Perhaps it’s because the federal government does make grants to help state and local governments, which often turn around and use those funds to offer grants to organizations that help small business owners. In other words, if you started a nonprofit to help women start businesses, you might be able to get a government grant for that. But you can’t get a government grant to start a business yourself.

According to the SBA, some states do provide grants to businesses whose work benefits the region and its residents. For instance, you might be able to get a grant if your business helps develop energy-efficient technology that helps the state and its residents save money, or if you are expanding a child-care center (enabling more residents to work and support themselves). Even in these limited cases, however, the grants are rarely “free money.” You may be required to match the funds with an equal amount of your own capital or with a loan, for example. To search for this type of grant, visit the official government grants website, Grants.gov, and check out their section for grant applicants to see if you are eligible. (There are no small business grants for women on this site that aren’t also open to men, but there are some for small businesses.)

The 4 Best Small Business Grants for Women

Knowing the options are limited, let s talk about where women entrepreneurs can find funding. Here are a (very few) small business grants for women to investigate.

  • Eileen Fisher Women-Owned Business Grant Program: Fashion designer Eileen Fisher launched these small business grants for women in 2004. Today the company awards $100,000 in total grants annually to 10 women-owned businesses beyond the startup stage (maximum $10,000 per recipient). Learn more about eligibility and the application process here .
  • Amber Grant . Launched by Womensnet.com in 1998 to honor the memory of a young woman who died before she could fulfill her entrepreneurial dreams, this program makes a $500 grant to one qualifying woman business owner each month; one of those women receives a $2,000 grant at the end of the year.
  • IdeaCafe Grant . IdeaCafe awards $1,000 grants to small business owners. Although the grant is not for women only, the vast majority of the winners have been female.
  • Grants and Scholarships for Women (GrantsforWomen.org): You can search this database of scholarship opportunities and grants for women, but be forewarned—most are for non-business purposes.

As you can see, these grants are so small that your time may be better spent in figuring out ways to grow your business without them.

When you’re seeking a grant, watch out for scams. If you’re asked to pay money or sign up for some kind of subscription to access a listing of small business grants for women, beware.

Your best bet in seeking a grant to start or expand your business? Talk to your local Small Business Development Center (SBDC) or SCORE office. These organizations are plugged into the local financing community and will be able to guide you if, indeed, there are any small business grants for women in your area from local corporations, philanthropic or economic development organizations. You might also want to look into SBA loans for women. an affordable kind of financing for female small business owners.





Tags : , , , , , , ,

When Do I Need a Business Lawyer for My Small Business? #business #applications

#business lawyer

#

When Do I Need a Business Lawyer for My Small Business?

Among the countless worries for entrepreneurs who are starting or are already running a small business is the question of whether they need a business lawyer. The perception is that attorneys charge high rates and many small businesses don’t have much, if any, extra capital with which to pay lawyers. As a result, most small business owners only hire an attorney experienced with business matters when confronted with a serious legal problem (e.g. you’re sued by a customer). However, legal help is a cost of doing business that often saves you money and helps your business in the long run.

While you certainly don’t need an attorney for every step of running your business, an ounce of prevention is worth a pound of the cure. This article will explain when you can cover legal issues on your own or with minimal attorney assistance and when you will definitely need a business lawyer.

Issues You Can Handle on Your Own

There are certain matters that are fairly straightforward and/or not unduly difficult to learn and therefore do not require the services of an attorney who charges at least $200 per hour. There are enough expenses associated with running a business, why not save yourself a load of money and do it yourself if you can?

The following is a list of some tasks that business owners should consider taking on themselves (with the aid of self-help resources, online and in print):

  • Writing a business plan
  • Researching and picking a name for your business (previously trademarked business names can be researched online)
  • Reserving a domain name for your website
  • Creating a legal partnership agreement, limited liability company (LLC) operating agreement, or shareholder’s agreement (see Choosing a Legal Structure )
  • Applying for an employer identification number (EIN), which you will need for employee tax purposes
  • Applying for any licenses and permits the business requires
  • Interviewing and hiring employees (there are federal and state antidiscrimination laws which regulate the hiring of employees)
  • Submitting necessary IRS forms
  • Documenting LLC meetings
  • Hiring independent contractors and contracting with vendors
  • Creating contracts for use with customers or clients
  • Creating a buy-sell agreement with partners
  • Updating any partnership, LLC, or shareholder’s agreements under which you are currently operating
  • Handling audits initiated by the IRS

The above is not an exhaustive list of legal tasks which small business owners can do on their own. It should be stated that if your business is well-funded or you feel that you need the assistance of an attorney, you can always retain a lawyer to help you with everything listed above.

Issues Where You Will Need a Business Lawyer

Most of the issues outlined above can be handled by any intelligent business owner (if you can run a business, you can certainly fill out IRS forms or fill in boilerplate business forms). There are times, however, when a business faces issues that are too complex, too time consuming, or fraught with liability issues. At that point,the wisest move is to retain a business lawyer.

A few examples include:

  • Former, current, or prospective employees suing on the grounds of discrimination in hiring, firing, or hostile work environment
  • Local, state, or federal government entities filing complaints or investigating your business for violation of any laws.
  • You want to make a special allocation of profits and losses or you want to contribute appreciated property to your partnership or LLC agreement
  • An environmental issue arises and your business is involved (even if your business didn’t cause the environmental problem, you may be penalized)
  • Negotiating for the sale or your company or for the acquisition of another company or its assets

An Ounce of Prevention

While you certainly need to retain an attorney for the serious issues above, your emphasis should be placed on preventing such occurrences in the first place. Prevention does not necessarily involve hiring an attorney, though consulting with one wouldn’t hurt. By the time you or your business is sued, the preventable damage has been done and the only question that remains is how much you’ll be paying in attorney’s fees, court fees, and damages.

For example, by the time a prospective employee files a lawsuit claiming gender discrimination based in part upon questions posed at the job interview, all you can do is hire an attorney to defend the lawsuit. If, on the other hand, you had done your own research on anti-discrimination laws, or you had consulted an attorney beforehand, you would have known not to inquire as to whether the applicant was pregnant or planned on becoming pregnant. The small effort at the beginning of the process would save you an enormous headache later.

To prevent unnecessary attorney costs at the inception of your business as well as tremendous costs after a lawsuit has been filed, you might consider a consultation arrangement with an attorney. Such an arrangement would entail you doing most of the legwork of research and the attorney providing legal review or guidance.

For example, you might use self help and online sources to create a contract with a vendor and ask an attorney to simply review and offer suggestions. Or from the previous example, you might research types of questions to ask during an interview and then send the list to an attorney for his or her approval. This way, you prevent the potential headache later and the cost to you is minimal because you’ve already done most of the work and the attorney simply reviews the document.

Find the Right Attorney for Your Business Needs

You won’t need a lawyer for each and every legal issue that comes up in your business. But when you do, it’s good to know where to find the right one. Check FindLaw’s legal directory for a business and commercial law attorney near you.





Tags : , , , , , , , , ,

Home Based Business for Sale NZ, Small work from home NZ Businesses for Sale

#home business opportunities

#

Home Based Businesses for Sale

Search over 3,000 Businesses for Sale New Zealand wide. or subscribe to our very latest NZ businesses for sale. Before you buy a business contact several sellers of the businesses for sale NZ that interest you, to learn what s on offer and become better informed.

Looking for a Large or Small Home Based Business for Sale NZ or Home Based Business Opportunities NZ? Search through 72 Home Based Businesses for Sale on NZ Biz Buy Sell, and check out New Zealand’s leading Small Business for Sale NZ listings.

Find a work from Home countryCode] opportunity or choose from over 2500 businesses for sale New Zealand wide. Looking to list your Home Based Business NZ for Sale? See how to sell a Home Business

Save this search (“Home Based Businesses for Sale”) and email me the latest listings.

Saved Searches

Businesses for Sale

Search Results

  • New business partner Require Business for Sale | New Zealand | $15,000

HUGE ROI 250% within a year. Golden opportunity in NZ for one selcted business person. [more. ]

  • Training and Development Industry Business for Sale | NZ Anywhere

    Onine Home Based Business. Vritually Recession Proof! [more. ]

  • Coffee News Business for Sale | Palmerston North and Wanganui | $8,000

    Two areas, Palmerston North and Wanganui. Coffee News is the world’s most popular restaurant publication and has been operating in New Zealand since 2001. [more. ]

  • Advertising Service Business for Sale | Invercargill | $8,000

    Coffee News is the world’s most popular restaurant publication and has been operating in New Zealand since 2001. [more. ]

  • Advertising Service Business for Sale | Queenstown | $8,000

    Queenstown Coffee News. Become part of the world’s most popular restaurant publication and has been operating in New Zealand since 2001. [more. ]

    Mobile lunch bars capable of significant expansion and / or franchising [more. ]

  • Equipment sale, hire and servicing Business for Sale | Auckland | $680,000

    Home based, beauty industry equipment [more. ]

  • Boarding Cattery Business for Sale | 136a Osborne Rd, Hamilton

    Home and Business Tender Closes 2pm, 21st September 2016 Harcourts 143 Ohaupo Road, Hamilton [more. ]

  • Portable Online Self Employment Wellington Business for Sale | North Shore Wellington

    Portable Online Work From Home Global Business. Create Your First $100k Online. [more. ]

  • Advertising Service Business for Sale | Gisborne | $8,000

    Coffee News is the world’s most popular restaurant publication and has been operating in New Zealand since 2001. [more. ]





    Tags : , , , , , , , , ,
  • Finally, banks are lending to businesses again #funding #for #lending, #bank #of #england, #business

    #

    Finally, banks are lending to businesses again

    Two and a half years after the Government unveiled a flagship Bank of England loan scheme, banks are finally growing their lending to small businesses, in a sign that Britain s shortfall of private investment is turning a corner.

    Data from the Bank of England published on Thursday showed that net lending the difference between new loans being granted and companies paying off debt from banks participating in the Funding for Lending Scheme grew by £635m in the first three months of the year.

    This is the first time that net lending has grown since the FLS, which allows banks to borrow cheaply from the Bank of England as long as they lend the money out, was refocused to target business lending from the start of 2014.

    While net lending did grow under the scheme towards the end of 2013, this is believed to have been entirely down to an increase in household lending, which qualified for the cheap Bank of England loans at the time.

    The £635m increase in the first quarter of 2015 compared to an £811m decline in the final three months of last year, and a £2bn fall in the whole of 2014.

    The figures do not represent all bank lending, with the likes of Barclays and HSBC not participating in the scheme, but are further evidence of a crucial rebound in business lending as economists hope for improvements in investment and productivity.

    The bank said last month that credit conditions are improving for small businesses, despite the uncertainty generated by this month’s General Election.

    The FLS was launched by the Treasury and Bank of England to encourage lending in July 2012 when wholesale funding costs were being squeezed, threatening growth. For every pound of loans to small businesses, banks can borrow £5 from the Bank of England, strengthening their financial positions.

    “The improvement in corporate credit conditions in part reflects the significant fall in bank funding costs that has occurred since the launch of the FLS,” the Bank said.

    Despite the scheme, however, lending to small businesses by FLS members had been continually falling up until now, with the likes of Royal Bank of Scotland running off large commercial property loans before growing their balance sheets.

    The Bank of England expects lagging levels of productivity, which has held down wages, to pick up this year as businesses begin to invest in equipment and training.

    Many businesses do not want to borrow from banks however, with 48pc SMEs ruling out such loans and focusing on cutting debt levels, according to recent research.





    Tags : , , , , , , , , , , , , , , ,

    Drug Addiction – Parents: How to get help, where to get help for heroin

    #

    How to Help a Friend or Family Member Addicted to Drugs

    Everyone around an addict knows he or she needs help, but often the addict can’t see it. Many die exactly that way. Our goal is to try to provide the family with as much information as possible relating to the intervention process.

    If you are ready to get your loved one into recovery now, contact Narconon.

    Very often, an addicted person will know deep inside that he or she needs help but be unable to break the cycle long enough to receive the needed help. An example that is very common is when an addict encounters some major problem (e.g. they get arrested, kicked out of house, lose job etc.) and at that point is completely willing to discuss the addiction with loved ones. Unfortunately, if this opportunity is not quickly seized, the drug cravings and overwhelming environment will force the individual back into using drugs and it will be some length of time before he/she will encounter forces that again yield cooperation towards rehabilitation efforts.

    What is the Ruin of the Addict?

    The addict has things in his or her past or present that seem like devastating events and that have something to do with drugs. One example is a person that has lost his best friends due to his addiction. Another example is a person losing his wife and child over drug abuse. A family member can look at an addict’s life and see hundreds of reasons why he/she should quit using but unfortunately these reasons are not REAL to the addict. There are, however, problems the addict encounters that are real or significant in the addict’s life, which he/she sees as reasons to quit using drugs. These are important to identify because they can be used during the intervention to remind the addict why he or she must seek help.

    What Pressure Does the Addict Feel Now?

    The addict doesn’t necessarily have the same reality about their addiction that non-addicts might. For instance, he or she may have semi-serious health problems, no friends and no job or income but feel like they are ‘doing okay’. Many addicts have actually overdosed on drugs coming very close to death and are right back using drugs the very next day. This may appear crazy but in fact is only part of the pain for the addict.

    Where to get help for heroin addiction

    With this in mind, the addict from time to time will encounter added pressure, which forces him/her to make an actual decision about whether to seek help or continue to use. Pending legal charges that could easily lead to jail time, threat of losing spouse, pending loss of job, all are possible situations where a person has enough pressure to fight the addiction and seek help. Although any one in particular may not work in your situation, there are pressures that can come to bear which will help prod the addict into a decision to seek help. It is easy to assume the addict is “only seeking help to avoid jail” or some other evaluation which in many cases is true. The fact remains that an addict will only seek help when someone or something pushes him out of his “addiction comfort zone” and forces him into a decision. Addicts with access to money, a place to live and people who agree with their usage rarely seek help. They “don’t have a problem”. This is very important to understand and will be crucial in any attempt at intervention.

    Who Should be There to Help?

    One of the major considerations involving intervention is selecting who will be there. This matter should be well thought out beforehand. The number of people there is less important than who is there. If at all possible, the person in the family whom the addict respects the most should be there. This person is an opinion leader to the addict and needs to be there fully supportive of getting the person help and informed well about the actual agenda.

    As many family members as possible should be there as long as each and every one are completely in agreement about the fact that the person needs help and supportive of the general agenda. If someone in the family is antagonistic against the addict and is not capable of restraining themselves from arguments and blame then you might consider leaving that person out. Usually, the addict has many enemies and has done wrong to most of the family but arguments and upset will not benefit the cause of getting the addict to seek treatment. In fact it will usually result in stopping this from happening because the focus of attention gets placed on the argument and not on the matter at hand.

    The overall goal is to bring the addict up to a point where he or she realizes there is a problem and is willing to seek help. When this has been achieved, be prepared to get them to treatment without any delay.





    Tags : , , , , , ,