Posts Tagged ‘finance’

Question: What is the name(s) of the major for “finance”?
I’m looking through the majors for several schools and none of them explicitly list “Finance” as a major. Is finance incorporated in majors such as business and/or economics, because that’s all I’m seeing for majors related to finance.

Answer:

Answer by Riley
business

Question: what are the ” sources of finance “for new businesses ? what are the ways you can raise cash for your startup?

Answer:

Answer by JackN
One way to find out would be to go to someone who launched a business (the best time to find store owners in their stores, for example, is around 10:00 AM Tuesdays) and ask them how they got their startup capital.

Before I got into business with you, I’d need to know how honest you were and how good of a money manager you were. I’d also want to know how much cash you are capable of saving up and where it had been coming from. Some people, lacking contacts who trust them to the degree that they’d loan them money, start businesses with their own savings. Unsecured loans such as cash advances on credit cards are the next best thing.

If you’re looking to get cash from someone else to go into business with you, and you haven’t demonstrated the ability to consistently save up cash yourself for your own business venture, I’d say you were an accident looking for a place to happen. Believe in your dream enough to save up what you need, and others will eventually follow and join in the example that you as a leader set.

Question: What are some good school’s for my major (Business Finance)? in and around New Jersey?
I live in monmouth county(New Jersey) and have a 2.6 GPA. with a 1440 sat score. i have to transfer out this fall and would like to find a good school for “business Finance” around me. i tried going to schopol in RI and didnt like being 4 hours away. any suggestions??

Answer:

Answer by S S
If you don’t mind going south a little bit, both TCNJ and Rutgers have good business programs. Check out their websites for more information.

Question: What does the term “finance” mean and how does it relate to the new business start-up?

Answer:

Answer by Chris W
Finance generally means “loan” or “having to do with money”.
So, it could refer to financing the small business, which means having money to spend before you start to make money.
It could also mean getting a business loan to… finance the business.

Question: If I try hard to become TC in Y!A “Business and Finance”…….?
….. will my boss appreciate and give me a promotion ?

Answer:

Answer by Besh III
^^I highly doubt it ..

Question: YA “Business & Finance” category has nothing related to manufacturing?
“Credit”, “Insurance”, “Investing”, “Real Estate”, “Taxes”

what about *making things*???

who can live in a pansy a-s world where everything in a store grew on truck?

do they at least have something on answers china?

Answer:

Answer by Doctor Deth
use the “Other” category

Question: How come the spammers are only in “Business and Finance” and no other categories?
The same messages, over and over again. I have reported them many times. Yet they reappear.

Answer:

Answer by capwest5a
There’s spammers in all of the business categories. They are so stupid that they think that their BS scam ‘online money-making’ sites are actually businesses !!
It’s laughable. I report them everyday as well. They just create a new account the next day. Eventually, they drop off after they realize that they aren’t making any money for all their effort. Project Payday spammers are gone, CashCrate spammers are almost gone, Lockerz is halfway gone, etc. But for every spammer that drops away, there seems to be two naive teens who take his/her place with some new BS.

And again, they truly believe it is an actual business, which always cracks me up

Anyways, sorry about the language in the abbreviations. Had to do it.
————-
By the way, try this site: www.bs.com.

I average over $ 3,500 per month on it. ROFLMAO
————–
There may not be a lot of spammers in other categories, but those categories have their own problem: trolls. Who can be just as annoying. There’s some punk kid who thinks he’s a great guitarist trolling the ‘Performing Arts’ section. He asks the SAME question OVER AND OVER AGAIN. “Rate my guitar playing?” He’s just a copyist of 25 year old metal music, nothing original about it. If you say he sucks, you get a thumbs-down. If you praise him, you get a thumbs-up. (Trust me, he sucks). Anyways, he’s also been reported many times and has had his accounted deleted. He popped up again yesterday with the same question and the same links to his crappy 30 second riff. I reported him again, as did others, I’m sure. The ‘nathanhaleproject’ is dead in the water. Dead, dead, dead.

Small Business Startup Loans – How Does One Acquire Finance For His Or Her Business?

It is inevitable that every business owner will need finance to properly run his business. The question that is always at the mind of every business owner is how will finances be pumped into the business to make it profitable? This is true for every business owner, be it on a large or small scale or on an international or local scale. There will be so many responses to the above question. The responses will depend on the person providing answers to the question as well as it may also depend on the particular period in business at which such as question is being tendered. Despite the varying responses that may be put, all these ideas about getting a business being financed will turn to a single direction. The following lines are meant for those coming into businesses, who want to identify the various options of financing their business and who will want to determine which of these options is the most appropriate for their businesses.

Individual Finances

There are so many business owners who will individually and single-handedly provide the money that is needed by their businesses. The sources of such type of capital may spring from their personal savings and other forms of capital which solely belong to them. However, these sources of finances are really workable if the business owner has substantially built up a good amount of money. If the capital is in the form of assets, it will be easy to dispose these to get some cash for the running of the business. If you intend to make use of capital through the credit card as a means of financing your business, you must take some reasonable precautions. You must be aware that this source of capital is usually best for interim financial provisions.

Angel Financing

This is yet another good way to oil the machinery of your business. When we make reference to this type of financing, we are referring to that type of financing that is often provided to new businesses. This is commonly found in the United States and most upcoming markets. In this type of financing, a group of affiliates belonging to the informal risk sector combine their resources to finance a business. What is usually done is that a business suggestion is proposed to a business owner and if the business owner finds the suggestion interesting, he will be given the option to get the business financed by the group of financiers. This group will also have the option to ether finance the business and take part in running its daily affairs or to stay aloof from the day to day running of the business.

Venture Capital

This is another way of making finances available to a business. In such a case, the business owner will approach a proficient financier and this must be a financier will is willing and capable to venture his or her money into businesses that are not only at the inception, but equally to businesses that have future prospects of expansion. Another form of financing related to this is the corporate venture capital. This is an idea often used by corporations to endow capital in some relatively young but vibrant businesses that may have some relation with these big corporations.

Credit from Banks

This is a source of finance that is commonly sought for. In most cases, either secured or unsecured loans may be provided to business owners. However, lending institutions will warrant that you provide some form of credit worthiness which will have to be carefully scrutinized ahead of making a decision if the loan will be given or not. It is sometimes easier for an unsecured loan to be given to experienced or well established businesses than new ones. But a secured loan will be provided for all types of businesses.

If You Want To Get The Financing You Are Seeking For:

Make sure you find out what the financing is all about, opt for a proficient group, set an objective, make sure your business is properly registered, investigate what type of financing will be suitable for your business and make sure that you have established the necessary connections.

John McGowan Presents Bob Chapman. Mr. Chapman is the publisher, editor and writer of The International Forecaster. This is the program from 8 January 2010. Mr. Chapman is 74 years old. He was born in Boston, MA and attended Northeastern University majoring in business management. He spent three years in the US Army Counterintelligence, mostly in Europe. He speaks German and French and is conversant in Spanish. He lived in Europe for six years, off and on, three years in Africa, a year in Canada and a year in the Bahamas. Mr. Chapman became a stockbroker in 1960 and retired in 1988. For 18 of those years he owned his own brokerage firm. He was probably the largest gold and silver stockbroker in the world during that period. When he retired he had over 6000 clients. Starting in 1967 Mr. Chapman began writing articles on business, finance, economics and politics having been printed and reprinted over the years in over 200 publications. He owned and wrote the Gary Allen Report, which had 30000 subscribers. He currently is owner and editor of The International Forecaster, a compendium of information on business, finance, economics and social and political issues worldwide, which reaches 10000 investors and brokers monthly directly, and parts of his publication are picked up by 60 different websites weekly exposing his ideas to over 10 million investors a week. In June of 1991, at the request of business associates, and due to retirement boredom, he began writing the …

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Soft Play Finance

How to Secure Asset Finance for Soft Play Centres

When setting up your new Soft Play Centre, you are likely to require some form of funding in addition to your own personal investment into your venture. There are several ways to secure such funding and you will need to research each possibility to understand which is right for you and your business.

This document provides an overview of the principles behind Asset Financing, (only one of the funding methods available to soft play centres), so that you can be better informed to decide if this particular type of funding can be useful for you in your new venture.

It has been written by Alex Read, owner of Portman Asset Finance, a specialist finance provider in the soft play market.

Soft Play Finance

The current credit crunch has severely impacted all new start businesses looking for finance. Businesses considered to operate in a niche market such as soft play centres are finding it particularly difficult to source funding. Everyone is acutely aware that traditional high street funding is less and less readily available and thus more difficult to obtain cost effectively for new start businesses.

In this climate it can often be useful to speak to more specialised finance providers who have a thorough understanding of how soft play centres operate and are ideally positioned to help fund these new businesses.

However, asset finance is not suitable for every soft play centre it is important to understand some of the key principles behind it before you decide whether it is the right route for you.

Over Borrowing

One overriding principle is the importance of not over-borrowing to start your business. You must ensure you are not borrowing more than your business can afford. Many new soft play operators get caught up in the excitement of opening their new play centre and lose track of the figures. If you make a significant personal investment into your business and limit your business borrowings you’ll give your business the best possible chance of success.

Type of Finance Available

Soft play equipment finance is most typically arranged in the form of fixed or minimum period lease agreements. Lease payments are fixed i.e. they don’t go up or down and are easy to budget i.e. you know exactly how much is coming out of your account every month. In addition, a percentage of lease payments can be offset against corporation tax to reduce the amount of tax payable by your company.

There are other ways of financing equipment for your soft play business. Finance can be arranged in the form of a Hire Purchase (HP) agreement or a more traditional bank loan. The key difference between leasing and bank loan finance is the security required. A high street bank providing a loan will often require additional security in the form of a charge over a property whilst the equipment is usually the sole security in a lease agreement.

Some lease finance providers are now taking additional security i.e. first or second charges over property in addition to securing their finance against the soft play equipment. This is a direct result of the current economic climate and finance providers are now looking to secure their lending as tightly as possible.

Period of Agreement

Finance can typically be arranged over any period between 2 – 5 years although it is possible to arrange finance over 7 years if required.
It is sensible to take finance over a period that is affordable. Here it is vital that you produce accurate cash flow forecasts that incorporate your finance payments. If your business is under financial pressure from day one, it will be difficult to recover in the longer term. It is often worth reducing your predicted revenues in your business plan by approximately 25% to double check you can afford the repayments and cover every eventuality.

The general consensus is that the length of your finance agreement should mirror the useful life of your equipment. If you think your soft play equipment will last you 5 years, then you should look to finance it over a 5 year period. You do not want to be paying finance payments for equipment you have subsequently replaced!

You must also consider that longer finance periods mean more interest to repay. It is a good idea to choose a period that your business can afford without spreading repayments over too long a term.

Criteria

Tenants i.e. non-home owners will not be able to secure funding unless they can arrange a suitable home-owning guarantor. The best option here is to speak to your finance provider who will advise you of the implications.

Most finance companies credit criteria are based on common sense; no one lends to people with current or recent mortgage arrears even if they have been brought up to date. Providers are also very cautious about unsatisfied Count Court Judgements (CCJS) and Directors who have declared themselves bankrupt in the past.

Generally you should either have experience in the leisure industry or at the very least, fully researched your new soft play centre business. A comprehensive business plan is a good indicator of someone’s personal investment of time into their business.

It is important to be as honest as possible with your finance company as they all carry out rigorous finance checks on the Director(s) of new start businesses. If you have had credit problems in the past, it’s best to explain in detail the circumstances.

You must also have of invested personal money into the business. If you have invested none of your own money, a lender is unlikely to lend you any money. You must commit personally to the business.

Documentation required

Although more difficult in the current economic climate, specialist finance providers are still able to assist new start soft play centre owners. In order to gain a finance approval they will commonly ask for the following information: business plan, financial projections, personal net worth statements for the Directors and personal bank statements for the Directors.

The Directors personal bank statements must not include any unpaid items, as this is a poor indicator of a person’s attitude to finance. You must demonstrate you can manage your personal finances before anyone will lend you money for a business. A business plan must include all the common components i.e. SWOT analysis, Directors CVs, personal investment, analysis of chosen location for the soft play centre etc. Financial projections must cover a period of at least 3 years and be realistic. Lenders providing finance for soft play centres know exactly what is a realistic admission fee and this should be reflected in your planning.

Asset Finance is one of a number of options to consider when trying to obtain funding to start an Indoor Soft Play Centre. The above information should be used as a guideline for general use and for specific information you can contact Portman Asset Finance on 0844 800 88 25.

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