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Investment News for financial advisors in New Zealand #business #plans #samples

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Investment News

Auckland-based fund administrator, MMC, has notched up its second KiwiSaver registry client in the space of a month. MMC, which already provides fund accounting and unit pricing services to a range of KiwiSaver schemes, confirmed the rapidly-growing NZ-owned provider Generate as its second registry client last week. Earlier this month MMC revealed the start-up low-cost KiwiSaver provider, Simplicity, as the inaugural client for its newly-launched registry system. The addition of the $275 million Generate scheme represents “an enormous vote of confidence in MMC and our KiwiSaver registry offering”, according to MMC managing director, [Read More. ]

Recent New Zealand Investment News

After almost 35 years of intellectual input to New Zealand’s actuarial and investment consulting industry, Mark Weaver, has called it quits. Weaver, the last remaining founding partner still working in the triple-titled consulting firm Melville Jessup Weaver (MJW), will hand in his final regression analysis at the end next month before embarking [Read More. ]

It would be up to the police to decide whether KiwiSaver schemes, or other NZ investors, are breaking the law by investing in pooled global equity funds that have exposure to cluster munitions manufacturers, according to Commerce Minister Paul Goldsmith. As well as the Cluster Munitions Prohibition Act 2009, NZ investors could face similar [Read More. ]

The complete set of managed investment scheme (MIS) managers list should tally to about 70, according to the latest figures supplied by the regulator. A spokesperson for the Financial Markets Authority (FMA) told Investment News NZ that 42 managers have already been granted a MIS licence with a further 18 “in various stages of assessment”. The [Read More. ]

New Zealand Superannuation Fund has carved out NZ$600 million from its NZ$4.9 billion passive global equities mandate with Northern Trust Asset Management for two new factor-based mandates with the same manager. The NZ$30 billion fund, which is seen as a bellwether among super funds in the region because of its transparency and innovative [Read More. ]

Almost five months after incumbent, Anthony Quirk, announced his imminent resignation, Milford Asset Management has a new head. In a release last week, Milford confirmed Australian Troy Swann would take over Quirk’s role as at October 31 this year with operations chief, Bryce Marsden, continuing as interim chief executive. Quirk officially [Read More. ]

Macquarie Investment Management has been slapped with a A$400,000 fine after a New South Wales court ruled it had failed in its duties to monitor the now-defunct van Eyk Blueprint International Shares Fund (VBI). In a decision released last Wednesday, the NSW Supreme Court found Macquarie had breached its duties as a responsible entity (or RE – [Read More. ]

Here’s an irony. Link Group last month held a ‘virtual AGM’ for its NZ share registry client Xero. Just over 80 per cent of shareholders ‘attended’ online. But Link is not allowed to do the same for its Australian clients, nor itself. Xero, the successful cloud-based accounting systems firm from Wellington, NZ, provided a glimpse into the future [Read More. ]

Michael Thawley, Australia’s former and highly rated ambassador to the US, has re-joined the funds management industry – and his old firm – taking up the role as senior vice president for Capital Strategy Research at the big equities shop Capital Group. Thawley, who started in the job last week, is based in Los Angeles but will be heavily [Read More. ]

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Want a New Business Start in 2015? Steal One of These Ideas #business #grants

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I started thinking up potential large businesses to start a few years ago. It was, for lack a better term, a teaching tool.

I was looking for a way to communicate that the place to begin, if you are thinking of trying to start a company, is with a market need-and not a new idea.

Ideas are too easy. My guess is you could come up with 10 new business concepts before lunch, if you had to.

The problem is once you come up with that idea–say you are going to construct real housing out of Lego blocks, something that has always struck me as a cool idea==you then have to go and figure out if it is feasible, and if anyone-other than an 8-year-old-would live in if it were.

If you have identified a market need, then you are assured that you have a market–the people who have the need.

But is starting with the market need the only way to start a business?

Obviously not. You could start with the idea. And therein lies a potential benefit for you.

Each of the following ideas are yours for the taking. (All I ask is you make a large contribution to the charity of your choice should they make you rich.)

1. Personal shopping for the masses

This one struck me over the holidays. It has been a long time since I had to go shopping for 8-year-olds. Wouldn’t it be lovely if there was a personal concierge you could call who could walk you through what is popular and/or appropriate? High end department and clothing stores already have this service. This would make it available for the rest of us. (And if mass market stores like Target and Toy “R” Us wanted to offer this service to me, I would be happy to pay them for it.)

2. No more, “For customer service, please hold.”

I am usually willing to trade (a little bit of) money for (a little bit) more time. And while you can do mundane things while waiting on hold when you call the cable, phone or electric company, it really is a) annoying and b) the classic waste of time. Your charge? Figure a way that I can pay a couple of dollars a month in exchange for the various companies letting me jump the line when I need help. I don’t think it would be that hard. It really is just a different form of caller ID.

3. A place where you can sell your killer recipes

There are literally millions of great cooks out there. (My wife among them.) And invariably a great cook comes up with a great recipe–or 10. There should be some sort of marketplace to sell them. This idea already exists in other places. For example, people who crochet can sell the patterns they create on Etsy.com

As I said, I am not going to be doing anything with these ideas. I hope they make you a fortune. (As I said, just play it forward once you do.)





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Funding a New Small Business? Don – t Bother With Banks #home #business #ideas

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Funding a New Small Business? Don’t Bother With Banks

Question: What steps should I take before applying for a loan to open a small business? I’d like to maximize my chances of getting a good response.

Answer: Getting a small business bank loan is never easy, and it’s been especially difficult since the financial crash of 2008 and the lingering credit crunch. Even though small business lending is rebounding somewhat, it is still virtually impossible to get a loan to open a new business.

That’s because lenders want to see a financial track record for your business that demonstrates your ability to repay the money they’re lending you. Without that kind of history, the lender has no way to know if your venture will be successful enough to make good on your obligation. Banks are lenders, not investors, and they’re not interested in knowingly making equity investments in businesses, as an industry representative told me in 2011.

So what are your options? Most entrepreneurs start their businesses with savings; they put startup costs on credit cards; or they get loans from friends and family. There are also more creative ways to raise startup capital, such as babysitting or renting out a room in your apartment.

The void in bank lending has spurred the growth of alternative lending, which can be costly but gets money to entrepreneurs quickly and without a lot of hassle. Another new option is crowdfunding through websites such as Kickstarter and Indiegogo.

Some niche alternatives that have sprung up are less well-known. For instance, culinary businesses can apply to the Whole Foods Local Producer loan program, which the company says has lent $10 million to businesses making local food products since its inception in 2007. Interest rates range from 5 percent to 9 percent, and it helps if your company is already a Whole Foods supplier, though it’s not mandatory.

Or maybe you need a loan to buy a franchise business. Many franchisers started to recognize that they’d need to help prospective franchisees with financing after home equity—once a common source of startup cash—plunged in many parts of the country. Matco Tools, which has been selling tools to auto mechanics via independent distributors since 1979, ramped up its in-house financing program in 2008, says John Green, vice president for marketing and e-commerce at Matco Tools. The program can cover up to 100 percent of initial inventory and working capital costs for qualified prospects who want to buy Matco franchises, which range between $89,000 and $144,000.

Perhaps a more realistic option for you is connecting with a nonprofit microlender. Caitlin McShane, communications director of Opportunity Fund. a California microlender, says her organization is making several times as many loans as it did five years ago. “We lend between $1 million and $2 million a month and do over 1,000 loans a year,” she says. The organization has offices in San Francisco, San Jose, and Los Angeles. It is currently running a startup funding challenge that aims to provide loans of up to $50,000 at 7.5 percent interest.

When you do get your business to the point that a bank loan is a more realistic possibility, after two to three years of operations, here are some tips from Laurie Pettinella Zona, a partner in early-stage startup accelerator K5Launch.

Make the loan officer’s job easier by “clearly illustrating why your business is a less risky investment,” she says. Be clear-eyed about what the risks are, however, as pretending to be risk-free is a bad idea. “Show that your business has a proven business model” with steady, paying customers, she says. And “put your best foot forward and sell yourself: your résumé, background, references, prior successful businesses, and history of paying back loans or investors.” Paying down your personal debt and getting your credit score as high as possible are also good ideas.

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Top new business ideas, job search nation #financing #for #business

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Top new business ideas

Top new business ideas Analysis

Looking for a new way to make money? Here are 20 businesses that you can start with very little money. 20 Business Ideas for Stay-at-Home Parents. Tip You need top-notch people skills and an instinct for determining which caregiver to.To learn more about this business idea, check out Start Your Own Cleaning Service. Make sure to change your layout and put new stuff out for sale often. Just moving an item from a table to the top of a bookshelf might get it noticed, even. top new business ideas Our low cost startup ideas will help you find a business to fit your budget. We are searching for the Top Company Cultures of 2016. Should your company be.Business news from the Chicago Tribune. Get money tips, stock market updates and the latest Chicago business news.

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Then I’m told that the successful businessman with the mad skills Rafe SIGNED THE DOCUMENTS TOO. most delightfully spoiled little dog who ever lived. A lack of post-secondary education can be a deal breaker for many prospective. Whether they’ve done well or screwed up, a successful businessman must be.

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10 Ways to Finance a New Business #small #business #loans

#how to finance a business

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10 Ways to Finance a New Business

When you were eight years old, you launched a highly profitable lemonade stand in your front yard. With nothing but a packet of instant drink mix, a crudely drawn sign and a winning smile, you grossed a whopping $2.35 in just an hour and 15 minutes. If only all new businesses were that easy.

According to the Global Entrepreneurship Monitor, a research group, the average cost of starting a new business in the United States in 2005 was $70,000 [source: Consumer Reports]. In a 2004 survey of failed businesses, 79 percent of respondents said that starting out with too little money was a major cause of their collapse [source: Sugars ].

But how do you finance a new business? When you were eight, you could borrow the drink mix from mom. But now that you’re grown up, will she let you borrow her life savings?

Luckily, you’re not the first entrepreneur to start with nothing but a good idea. Keep reading to learn about 10 effective and creative ways to raise start-up capital for your new business.

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a data-track-gtm Byline href about-author.htm roos Dave Roos a 10 Ways to Finance a New Business 5 May 2009. br HowStuffWorks.com. lt http money.howstuffworks.com 10-ways-to-finance-new-business.htm gt 3 September 2016″ href=”#”>Citation Date





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New business reports – Apollo Research #custom #business #cards

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New business reports

Apollo recognises that every pitch is different. The size of contract, the number of agencies pitching, what the client is looking for, what the client needs, pre-existing relationships and the time available: all these affect how an agency approaches a pitch, this is why our new business reports are so useful.

The reporting is flexible and designed to fit in with what you need on any pitch:

Share of voice, where the company ranks in its sector, historical benchmarks, and how it is positioned on key topics, such as cloud, mobility, big data or the internet of things.

The media and journalists writing about the company the most and which need to be targeted. In the majority of pitches the company has simply failed to target the key influencers effectively.

How much of the coverage is positive, neutral and negative and how this compares with the company’s competitors.

What are the company’s core proposition and brand values and what benefits is it perceived to bring; is this in line with its objectives: or are there messages that need to be worked on? Which messages are being targeted by the competition?

Apollo provide us with invaluable insight for pitches and clients. We use them to benchmark competitive profile, brand awareness and messaging at the start of all our client relationships so that we can credibly show the dial moving on the fundamental KPI’s of any PR campaign. Sarah Mulder, Kwittken – www.kwittken.com

Marketing New business reports 05.06.2014

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Personalized New Job Gifts At Things Remembered #stock #market

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Personalized Gifts That Inspire

New Job Gifts

California Supply Chains Act

The company takes no action in engaging in verification of product supply chains to evaluate and address risks of human trafficking and slavery. The company takes no action in conducting audits of suppliers to evaluate supplier compliance with company standards for trafficking and slavery in supply chains. The company takes no action requiring direct suppliers to certify that materials incorporated into the product comply with the laws regarding slavery and human trafficking of the country or countries in which they are doing business. The company takes no action maintaining internal accountability standards and procedures for employees or contractors failing to meet company standards regarding slavery and trafficking. The company takes no action providing company employees and management, who have direct responsibility for supply chain management, training on human trafficking and slavery, particularly with respect to mitigating risks within the supply chains of products.

Site Map Things Remembered 2016. All rights reserved.

Buy One, Get One 50% Off

Buy one item, and get one item of equal or lesser value at 50% off. Offer is valid on merchandise purchases thru August 22, 2016 only at Things Remembered retail stores and ThingsRemembered.com. Offer is subject to change or cancellation without notice. Discount taken automatically at checkout. Fossil�, Bulova� watches, Seiko�, Howard Miller� and Willow Tree� products are excluded from the offer, and other exclusions may apply. $14.99 Shadow Box Frames with purchase are excluded from the offer. Personalization, taxes, clearance items and shipping and handling fees are excluded from the offer. Offer may not be combined with other coupons, discounts or offers, and cannot be used for prior purchases. Business Class large-order discounts may not be combined with this offer. No rain checks. No price adjustments. No cash value. Not transferable. Associates of Things Remembered and its affiliates are not eligible. Things Remembered 2016.

$14.99 Shadow Box With Any Purchase

Get select Shadow Box Frame(s) for $14.99 (regularly $25) with any purchase at Things Remembered retail locations and ThingsRemembered.com for a limited time. Mix-and-match Shadow Box Frame styles, no limit. Shadow Box Frame with purchase is subject to availability. Offer is subject to change or cancellation without notice. Personalization, taxes, and shipping and handling are excluded from the offer, and other exclusions may apply. Discount taken at checkout. Offer cannot be used for prior purchases. Business Class large-order discounts may not be combined with this offer. No rain checks. No price adjustments. No cash value. Not transferable. Associates of Things Remembered and its affiliates are not eligible. Things Remembered 2016.

$20 Off Wedding Essentials & $10 Off Wedding Gifts

Get $20 off total transaction with purchase of at least one (1) select Wedding Essential item when personalized, and $10 off total transaction with purchase of at least one (1) select Wedding Gift item when personalized, August 5 through August 7, 2016, 11:59 p.m. EST at Things Remembered retail stores and ThingsRemembered.com. Discount(s) is on total transaction and not individual items or personalization. Personalization, taxes, and shipping and handling fees are excluded from the discount. Willow Tree�, Fossil�, Bulova� watches, Seiko� and Howard Miller� branded products are excluded from the offer, and other exclusions may apply. Discount may not be combined with other offers, coupons or discounts, and cannot be used for prior purchases. Business Class large-order discounts may not be combined with this offer. No rain checks. No price adjustments. No cash value. Not transferable. Associates of Things Remembered and its affiliates are not eligible. Offer is subject to change or cancellation without notice. Things Remembered 2016.

Flash Sale Buy One, Get One Free When Personalized Men’s Women’s Leather

Buy one item, and get one men’s or women’s leather item of equal or lesser value free when items are personalized. Offer is valid on select merchandise purchases made August 17, 2016 at Things Remembered retail stores and ThingsRemembered.com. Offer is subject to change or cancellation without notice. Discount taken automatically at checkout. Exclusions may apply. Personalization, taxes, clearance items and shipping and handling fees are excluded from the offer. Offer may not be combined with other coupons, discounts or offers, and cannot be used for prior purchases. Business Class large-order discounts may not be combined with this offer. No rain checks. No price adjustments. No cash value. Not transferable. Associates of Things Remembered and its affiliates are not eligible. Things Remembered 2016.

Flash Sale Buy One, Get One Free When Personalized Women’s Gifts

Buy one item, and get one women’s gift item of equal or lesser value free when items are personalized. Offer is valid on select merchandise purchases made August 18, 2016 at Things Remembered retail stores and ThingsRemembered.com. Offer is subject to change or cancellation without notice. Discount taken automatically at checkout. Fossil�, Bulova� watches, Seiko�, Howard Miller� and Willow Tree� products are excluded from the offer, and other exclusions may apply. Personalization, taxes, clearance items and shipping and handling fees are excluded from the offer. Offer may not be combined with other coupons, discounts or offers, and cannot be used for prior purchases. Business Class large-order discounts may not be combined with this offer. No rain checks. No price adjustments. No cash value. Not transferable. Associates of Things Remembered and its affiliates are not eligible. Things Remembered 2016.

Flash Sale Buy One, Get One Free When Personalized Frames

Buy one item, and get one frame of equal or lesser value free when items are personalized. Offer is valid on select frame purchases made August 19, 2016 at Things Remembered retail stores and ThingsRemembered.com. Offer is subject to change or cancellation without notice. Discount taken automatically at checkout. Exclusions may apply. Personalization, taxes, clearance items and shipping and handling fees are excluded from the offer. Offer may not be combined with other coupons, discounts or offers, and cannot be used for prior purchases. Business Class large-order discounts may not be combined with this offer. No rain checks. No price adjustments. No cash value. Not transferable. Associates of Things Remembered and its affiliates are not eligible. Things Remembered 2016.

$20 Off Wedding Essentials when personalized + $10 Off Wedding Gifts when personalized

Get $20 off total transaction with purchase of at least one (1) select Wedding Essential item when personalized, and $10 off total transaction with purchase of at least one (1) select Wedding Gift item when personalized, July 22 through July 24, 2016 11:59 p.m. EST at Things Remembered retail stores and ThingsRemembered.com. Discount(s) is on total transaction and not individual items or personalization. Personalization, taxes, and shipping and handling fees are excluded from the discount(s). Willow Tree . Fossil . Bulova watches, Seiko and Howard Miller branded products are excluded from the offer, and other exclusions may apply. Discount may not be combined with other offers, coupons or discounts, and cannot be used for prior purchases. Business Class large-order discounts may not be combined with this offer. No rain checks. No price adjustments. No cash value. Not transferable. Associates of Things Remembered and its affiliates are not eligible. Offer is subject to change or cancellation without notice. Things Remembered 2016.

Give To Louisiana

Things Remembered is matching monetary donations made through its retail locations and ThingsRemembered.com, up to a total donation of $5,000. 100% of contributions made through its retail locations and ThingsRemembered.com will be donated to NOLA Pay It Forward Fund, which was set up by the Mayor of New Orleans and the Greater New Orleans Foundation to provide resources, early relief and rebuilding efforts to the people, families, outside parishes and communities affected by recent floods. You can also make a donation directly to the NOLA Pay It Forward Fund at www.gnof.org/nolapayitforward/.

Our Best Gifts Free With Purchase When Personalized

Buy one personalized item, and get one of our select items (Best Gifts) free when personalized at ThingsRemembered.com and Things Remembered retail locations thru September 5, 2016. Both items must meet minimum personalization requirement (one initial/one monogram/one word for $10, each additional word is $3). Personalization, taxes, shipping and handling fees, and clearance items are excluded from the offer. Fossil . Bulova watches, Seiko . Howard Miller and Willow Tree products are excluded from the offer, and other exclusions may apply. Offer may not be combined with other coupons, discounts or offers, and cannot be used for prior purchases. Business Class large-order discounts may not be combined with this offer. Discount taken automatically at checkout. Offer is subject to change or cancellation without notice. No rain checks. No price adjustments. No cash value. Not transferable. Associates of Things Remembered and its affiliates are not eligible. Things Remembered 2016.





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How The Most Creative People In Business Generate New Ideas #work #from #home #ideas

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How The Most Creative People In Business Generate New Ideas

The 100 people on 2015 s Most Creative People in Business list have achieved impressive breakthroughs across a wide swath of industries: finding a possible cure for Ebola, using drone technology to help save endangered animals, modeling jet engines with 3-D printers.

None of these breakthroughs came from resting easy on outdated ideas or settling into familiar ruts. And yet, even this illustrious group admits to getting stuck and actively seeking grist for the mill. So we put the following question to the group: Where or from whom do you seek out inspiration? What do you do when you re in a rut? And most importantly, how do you keep new ideas flowing? Here s what some of them had to say if you try them out yourself, one each day of the work week, you ll have almost a month of options to help spark some creative new ideas of your own.

Jens Bergensten. lead creative designer, Minecraft, #5:

Before I started working on Minecraft, we would figure out new games by going on small holidays. We used to go to Berlin. They have these really great around-the-clock Internet cafes, and we d just work on something. We d also attend Game Jams, where you re given just random things and have limited time to produce a game. It s quite often that you are forced to think of something that works within the theme and, like I said before, I don t know where I m going and try to make it fun during this 32- or 48-hour Game Jam. You either produced crap or finished something interesting, and the interesting thing would end up in a pile. Then when we would actually need to start a launch project, we would look back in the pile.

Dana Mauriello. Etsy, #7:

I am obsessive with finding, cataloging, and doing new activities. A dance-floor meditation? A talk on game design? A tattoo convention? Done, done, and done. I am on an endless quest to learn about and personally experience as many diverse subcultures as possible and never leave home without my adventure backpack and a notebook so that I can collect inspiration and log new ideas.

Greg Hoffman. Nike, #12:

I pull a lot of inspiration from traveling around the world. One in particular is Brazil, where I ve been going since 1997. Whether you re talking architecture or furniture or digital, the design is modern but with a soul. Which mirrors Nike. I ve been to Brasilia, the modernist mecca that [Oscar] Niemeyer designed. Talk about being representative of an incredible, bold, disruptive vision. It s an entire city designed in exacting and uncompromising detail. It forces you to look at your own work and ask: Are we really pushing things as far as we can?

Jermaine Affonso. Clickhole, #13:

Okay, so out of everyone in the world authors, humanitarians, entrepreneurs, innovators, Elon Musk, scientists curing AIDS right this second I m going to say Kanye West. I know, I hate me too.

Martha Murray. Boston Children s Hospital, #15:

If one project is getting stalled for some reason, I switch gears to another project or two for a while until the problem with the first one works itself out. Sometimes if I am stuck, and leave a problem to sit for a bit, the answer shows up at a traffic light or when I am reading something totally unrelated. It s like when you are trying to remember someone s name and once you stop trying, it pops into your brain. It s the best part of having a bunch of things going on at the same time.

Alex Lifschitz. Crash Override, #18:

Creativity isn t just an abstract font for me personally I tend to just look at those who have successfully overcome issues similar to the one we re dealing with, and try to imitate not their solutions, but their attitude and approach to it, and take it to heart.

Barbara Bush. Global Health Corps, #29:

The need comes first, then the ideas. I m also an endorphin freak, and working out, running, and playing certainly creates the proper mind setting for creativity.

Ava DuVernay. director, #32:

[Creative inspiration] is all around. Nothing s ever boring. I m never bored. Even if I m sitting with my oldest cousin out in the country in Alabama and no one else is around. No way that s boring. I m going to sit there, I m gonna watch what she does, I m gonna listen to every story. Everything seeps in. Like I m standing in line at the pharmacy, I m not bored. I m looking at that lady wiping her snotty kid s nose like, is she really gonna use her hand? Wow, that s love. What s her story?

Larry Wilmore. The Nightly Show. #44:

I m always inspired by the small stories I see about people who are doing the right thing with no attention given to it. I used to watch Charles Kuralt on CBS s Sunday Morning show, and they used to have all those stories. Also, when I see people around the world in the most dire situations doing stuff. Malala [Yousafzai], what she went through. man, if you re not inspired by that, there s just something dead inside of you. What they have to face in that part of the world, it s just ridiculous. And then on a personal level, my kids inspire me all the time.

I read everything I can get my hands on, flip through the racks at Zara and Forever 21 (it s like a meditation), browse IRL in as many bookstores as possible, and go to the club. Listening to good music makes you smarter! I also love to visit the Metropolitan Museum of Art. If I m stuck on a writing or strategy project, I write freehand on a legal pad in a weird place without Internet no environment that s too lovely or I get distracted. Other methods: Go outside and walk, listen to something, smoke cigarettes, tell jokes.

Imrad Amed. Business of Fashion, #54:

Most of my ideas come from drawing patterns across conversations I have with different types of people technology investors, young fashion design students, a CEO. This variety is stimulating, and offers many different perspectives on the things I am thinking about.

Janet Mock. host, activist, #57:

I usually take my cockapoo out on a walk, I do some kind of physical activity, whether that s Bikram Yoga or SoulCycle. Usually it s some kind of creative activity. Or it s completely turning my mind off and watching something that doesn t really challenge. Like Real Housewives of Atlanta. Literally watching people argue about one little thing of shade that they threw.





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Series: Payroll Information for a New Small Business #unsecured #business #loans

#small business payroll

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Series: Payroll Information for a New Small Business

Throughout this series, we refer to links where you can find more information about the topic being discussed. You can find all of these links, organized by segment, by referring to the Related links page – open it in a separate tab or window and follow along as you watch each video.

We are looking for your comments about this video series. After viewing the segments of the video that are of interest to you, please take a moment to complete our comments form.

This is the introduction to the video called Payroll Information for a New Small Business.

This segment will help you determine for tax purposes what is meant by the term “employer.”

This segment contains information on opening a payroll account with the CRA.

This segment contains information on paying and hiring new employees.

This segment contains information on employee benefits.

This segment contains general information on deducting Canada Pension Plan contributions and employment insurance premiums.





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Want a New Business Start in 2015? Steal One of These Ideas #franchise #opportunities

#new business ideas

#

I started thinking up potential large businesses to start a few years ago. It was, for lack a better term, a teaching tool.

I was looking for a way to communicate that the place to begin, if you are thinking of trying to start a company, is with a market need-and not a new idea.

Ideas are too easy. My guess is you could come up with 10 new business concepts before lunch, if you had to.

The problem is once you come up with that idea–say you are going to construct real housing out of Lego blocks, something that has always struck me as a cool idea==you then have to go and figure out if it is feasible, and if anyone-other than an 8-year-old-would live in if it were.

If you have identified a market need, then you are assured that you have a market–the people who have the need.

But is starting with the market need the only way to start a business?

Obviously not. You could start with the idea. And therein lies a potential benefit for you.

Each of the following ideas are yours for the taking. (All I ask is you make a large contribution to the charity of your choice should they make you rich.)

1. Personal shopping for the masses

This one struck me over the holidays. It has been a long time since I had to go shopping for 8-year-olds. Wouldn’t it be lovely if there was a personal concierge you could call who could walk you through what is popular and/or appropriate? High end department and clothing stores already have this service. This would make it available for the rest of us. (And if mass market stores like Target and Toy “R” Us wanted to offer this service to me, I would be happy to pay them for it.)

2. No more, “For customer service, please hold.”

I am usually willing to trade (a little bit of) money for (a little bit) more time. And while you can do mundane things while waiting on hold when you call the cable, phone or electric company, it really is a) annoying and b) the classic waste of time. Your charge? Figure a way that I can pay a couple of dollars a month in exchange for the various companies letting me jump the line when I need help. I don’t think it would be that hard. It really is just a different form of caller ID.

3. A place where you can sell your killer recipes

There are literally millions of great cooks out there. (My wife among them.) And invariably a great cook comes up with a great recipe–or 10. There should be some sort of marketplace to sell them. This idea already exists in other places. For example, people who crochet can sell the patterns they create on Etsy.com

As I said, I am not going to be doing anything with these ideas. I hope they make you a fortune. (As I said, just play it forward once you do.)





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