Tag : 2016

Dell XPS 8900 Review 2016 #business #loan #rate


#business computers

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Dell XPS 8900 Review

PROS / It comes with 16GB of memory.

CONS / Without an upgrade, the warranty is only one year.

VERDICT / The Dell XPS 8900 is the best business computer because the quad-core processor, dedicated graphics card, and 16GB of memory provide the best overall performance for your business.

With a quad-core Intel i7-6700 processor, the Dell XPS 8900 has the best-performing processor in our review. While most business desktop computers have 8GB of memory, the Dell XPS provides 16GB of installed memory. In addition, it comes with a Nvidia GeForce GTX 745 graphics card that has 4GB of RAM for processing graphics. For these reasons, the Dell XPS 8900 earns the Top Ten Reviews Gold Award for the best business computer .

To find the best business computer, we looked at performance, memory and storage, connectivity, expansion potential, and support features. The most important feature is performance, which was evaluated by looking at the processor’s PassMark score – an industry benchmarking score that reflects the results of thousands of user testing. The Dell XPS’ processor had the highest PassMark score, which when combined with twice as much RAM as any computer, easily makes it the best business computer in the $1,000 price range.

8011.40 PassMark Score

Performance

The Dell XPS 8900 series of business computers has one of the best processors available, the Intel Core i7-6700 3.3-GHz processor. This processor has four cores. With hyper-threading, this processor has eight total threads of execution, which means that it’s almost like having eight cores. The difference between a quad-core processor with hyper-threading and one without is like the difference between an eight-lane highway versus a four-lane highway more data can pass through it. This is why the i7-6700 has a PassMark score of 11,000, which is the highest in our review. It’s easily capable of multitasking without experiencing a dip in performance.

Another great performance feature is the Nvidia GeForce GTX 745 graphics card. This GPU has 4GB of memory dedicated to processing graphics. This makes the XPS 8900 a great office PC for video and graphics editing, because the graphics have their own dedicated processor and RAM.

Since the GPU processes the graphics, the CPU is free to handle all the other data processing. This provides better performance all around. Most business computers rely on the processor to execute the graphics with integrated graphics, which can limit your multitasking abilities, because graphics can hog all the processor’s resources.

Memory & Storage

The XPS 8900 comes with 16GB of installed memory, which is double what the standard is for most business computers in the same price range. You can upgrade to as much as 32GB of RAM, and the motherboard can support up to 64GB. Even the least expensive computer in the XPS 8900 series has 8GB of RAM. With so much RAM, you can run the most data-intensive programs with ease, and you have a sufficient ceiling for years to come as apps increase their memory requirements.

You get a 1-TB hard drive, but you can upgrade to 2TB. For comparison, most business PCs come with a 500-GB or 1-TB hard drive. This gives you plenty of room to store all of your business’ important files. Dell also includes a one-year subscription to a Dropbox account so you can back up your critical files and easily share files with your employees and clients.

Connectivity

The XPS tower chassis has 10 USB ports six USB 3.0 and four USB 2.0. This gives you ample room to add external components and devices like microphones, scanners, cameras and external hard drives. However, this is on the low end. Some computers have as many as 14 USB ports. As a rule, you should have at least two or three more ports than you expect to use. It also comes with a 19-in-1 media card reader, which allows you to read a wide variety of portable storage cards.

This is one of the few business computers in our review with an HDMI port, which is the ideal port for high-definition displays and other media connections. While it also comes with the standard DisplayPort connection, the HDMI connection allows you to connect to a high-definition TV.

Expansion Potential

The most important expansion feature of the tower chassis is the 460-watt power supply unit, which is among the best available for a business computer. This is important because you need a substantial power supply if you want to add more components. An underpowered component can cause the computer to overheat, which can damage parts and become a fire hazard.

In addition, the motherboard has four expansion slots and five bays for adding more components, like secondary hard drives or an upgraded sound card. This gives you a lot of flexibility to customize the computer to your business’ needs.

Help & Support

A minor downside to the Dell XPS 8900 is the one-year warranty. The industry standard is three years. However, you have the option to upgrade to a two-, three- or four-year warranty. Each warranty includes onsite service and remote diagnosis, which allows you to diagnose issues using tools from the Dell website. As an upgrade, you can also protect it against accidental damage from liquid spills, drops and electrical surges.

Dell provides 24/7 support every day of the year via phone, live chat and email. This is critical for a business, because it means you can always receive help if your computer goes down. You can also consult community forums to share ideas and concerns with other users. In case the hard drive fails, Dell has an asset-recovery service to help you get back all of the important files for your business.

Summary

The Dell XPS 8900 is the best business computer. It combines 1TB of storage with the most memory and the best processor. It also features a 4GB graphics processor and an HDMI port. Despite the short one-year warranty, it provides the most reliable performance for a business computer at this price range.



Best Small-Business Loans for Veterans 2016 #secured #business #loans


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Best Small-Business Loans for Veterans 2016

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Finding a small-business loan is a tough task for any entrepreneur. Bad credit, a lack of collateral and limited business history are all obstacles that small businesses may face. Funding can be an even bigger challenge for U.S. military veterans, whose financial history may have gaps because of their time in active service.

Despite these challenges, many veterans decide to become their own boss after serving their country. About 1 in 7 veterans is self-employed or a small-business owner, according to the Institute for Veterans and Military Families at Syracuse University.

To help overcome the financing hurdle, we’ve rounded up some of the best small-business loan options for veterans based on personal credit score:

Small-business loans for veterans if you have a 500+ personal credit score

For startups and younger small businesses, lenders typically base lending decisions on the owner’s personal credit. This could be an issue for veterans who did not get a chance to build their credit during military service.

If your credit is lacking, Kabbage offers a line of credit that does not require a minimum credit score to qualify. You will need, however, at least $50,000 in annual revenue. If your credit score is 500 or higher and your business generates at least $100,000 in annual revenue, you could get a less expensive loan with OnDeck. The lender offers an APR starting at 9%, up to 98%, compared with Kabbage’s 32% to 108%.

Small-business loans for veterans if you have a 600+ personal credit score

For companies with at least one year in business and low revenue starting at $25,000 StreetShares is a good choice, with APR starting at 9%.

If your business is generating at least $150,000 annually, you will get a greater range of financing products with Dealstruck, which offers term loans, an inventory line of credit and an asset-based line of credit. Also, Dealstruck could be a cheaper financing option, with APRs from 10% to 28%, while StreetShares’ APR maxes out at 40%.

Before you apply for a StreetShares loan, find out whether you meet the lender s minimum qualifications.

  • 600+ personal credit score.
  • 1+ year in business.
  • $25,000+ in annual revenue.*
  • No bankruptcies in the past three years.
  • No current tax liens or collections (unless you have proper documentation).

You only need 6 months in business if you have $100,000+ in revenue.
StreetShares is currently unavailable to borrowers in North Dakota or South Dakota.

Before you apply for a Dealstruck loan, find out whether you meet the lender s minimum qualifications.

  • 600+ personal credit score.
  • 1+ year in business.
  • $150,000+ in annual revenue.
  • Breaking even or profitable.
  • Personal guarantee and a lien on business assets required.

Looking to expand? SmartBiz has the lowest borrowing costs among online lenders. The lender provides SBA loans with 7% to 8% APR for businesses with strong finances. With a repayment term of 10 years, SmartBiz is a good choice for purchasing real estate or equipment, refinancing high-interest debt or acquiring another business. Qualifying can be tough, however, since you have to meet the SBA’s stringent requirements (including about a dozen required documents). Lending Club is a good option for expansion capital if you don’t qualify for SmartBiz. You need at least $75,000 in annual revenue to qualify. The company offers competitive rates (8% to 32% APR) and repayment terms of one to five years.

Before you apply for a SmartBiz loan, find out whether you meet the lender s minimum qualifications.

  • 600+ personal credit score.
  • 2+ years in business.
  • $50,000+ in annual revenue.
  • Personal guarantee required.
  • No outstanding tax liens.
  • No bankruptcies or foreclosures in last three years.
  • No recent charge-offs or settlements.
  • Must be current on government-related loans.

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Top business tips for 2016 – BBC News #home #based #business #opportunities


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Top business tips for 2016

As 2016 arrives, business leaders around the world are now focusing intently on their aims and challenges for the next 12 months.

From implementing plans to further grow their companies, to dealing with the likely problems that will need to be overcome, this is the time of year when forward planning is the centre of attention.

Here some of the best business leaders – and rock music legends – profiled in 2015 for the BBC’s The Boss slot share their thoughts on running or setting up a business in 2016.

Dumi Oburota, manager of rapper Tinie Tempah

Image copyright Dumi Oburota

Have a clear objective. Understand the DNA of your business.

What you put in is what you get out. Do not take “no” or “can’t” as an answer.

Socialise and network within your industry.

Gene Simmons, bassist and the business brain of rock band Kiss

Image copyright Getty Images

Get rid of all your loser friends. You know the ones – they drink too much, they get high. And like vampires they will suck the life blood out of you.

That may not leave you with very many friends, but… in business your friends will not be much help.

You’re too young and not rich enough to take vacations. Work, it’s a good word.

Janine Allis, founder of global fruit juice bar chain Boost Juice

Image copyright Boost Juice

There are many reasons people get into business. For me it was creative pursuit, and being a creator of my own destiny.

You need to build your business the right way for the right reasons. If it is just for the money then you will only have a business short term.

New companies are hungry for cash, so anything you are making will go straight back into the business. And often the founder, who is working 120 hours a week, is the last person to see any returns for a long time from their hard yards.

Yet these are the businesses that succeed, and in the long run are the ones that are truly successful. By contrast, firms that are stripped of their cash to “fund” the lifestyle of their owners are very short-lived.

Building a business on passion and hard work, and surrounding yourself with great people, is the recipe for success.

Jacqueline Gold, chief executive of Ann Summers

Image copyright Jacqueline Gold

Be digitally minded – digital is a vital part of any business now, and it goes beyond just having a good website and being on social media.

Consumers want a digital experience across all elements of any business they engage with, and they want it to be seamless.

Diversify – think about how your business can grow and diversify in to new areas, but always ensure these new areas reflect your customer demographic.

I always look for new ways to evolve the brand, and in early 2016 we will be launching Rabbit, our own dating app.

Listen – this is a tip that’s relevant every year, never stop listening to your customers. They are the most vital source of information and their feedback is invaluable.

Alex Cheatle, co-founder of concierge business Ten Group

When leading your business, focus on what makes you different – not what is generic.

This allows your team, customers and suppliers to all “buy in” to why your business matters, and why it is worth joining, and staying and working with.

It also means that everyone is better focused on your competitive advantage and unique proposition.

Talk about what makes your business what it is.

Deb Weidenhamer, founder of American Auction Company

Image copyright Deb Weidenhamer

Collective wisdom says that goal-setting, planning and managing your time wisely are critical for success.

However, there is a secret formula to achieving objectives that is widely overlooked – do what you dread first!

Tackle the task, have the conversation, do the mundane that you least want to do at the beginning of your day.

It takes incredible discipline to start with the unexciting, but when you complete the task, you avoid using psychic energy towards fretting about what you’re avoiding.

You will open yourself up to more inspiration and imagination and find more time to accomplish greatness.

Oisin Hanrahan, founder of cleaning and maintenance service Handy

Image copyright Handy

In business, no two weeks are ever the same, but if your company has been in existence for a year or more, then analyse and learn from the previous 12 months.

Identify the surge periods and the quiet moments, and make sure that you have the proper staffing levels in place, as well as being ready to pre-empt problems and capitalise upon perennial opportunities.

As they grow, far too many businesses become rigidly hierarchical – the distance growing between senior management and the staff on the frontline.

Beyond the obvious fact that layers of bureaucracy are an enemy to innovation, listening to all staff members, irrespective of their position, is crucial. Not only does such engagement prove good for morale, but the insights that staff can offer could be the thing that changes your business for the better.

Having landed a big contract or launched a new service, it is entirely understandable that maintaining this new workload becomes a priority for a business. However, it should not do so to the complete detriment of maintaining company growth.

Keep on implementing new business strategies and growth plans at all times. It may seem an obvious point to make, but so many companies become wholly dependent on one big client or project that they suddenly find themselves in deep trouble should they lose the work.

David Spencer-Percival, founder of recruitment firm Spencer Ogden

Image copyright David Spencer-Percival

Setting up your own business requires enormous focus, drive and ambition, coupled with an incredibly hard work ethic.

You need funding, and you need relentless energy. Charm and wit help.

You also need to have a decent pair of rose tinted glasses to hand as if you knew all the pitfalls before you started you probably wouldn’t do it.

But my one piece of advise is that outside legal and finance issues – don’t listen to anyone, don’t read business books, and do things your own way.

Technology and new ideas are changing the world faster than people can become experts in it. Don’t follow the crowd – think for yourself, be different and break the mould.

Nirmal Sethia, founder of Newby Teas

Image copyright Ed Miller

The most important things when starting a business are – don’t lie, don’t pretend, and don’t mislead your executives and the masses. And be passionate about the mission, have an innovative mind, and be totally honest in implementing your vision.

Hiring the best team is a matter of luck. Bosses must keep their eyes open not to allow politics, dishonesty and indiscipline. Anybody who gets involved with these three, should be sent home immediately. In my experience, referrals are the best source of fine personnel.

How long does it take for positive returns? Management is about making things happen, managing changes.

If the vision is innovative and supported by all requisites, i.e. finances, production planning, and strong administration, then success needs short gestation.

Innovation is not only required for product, but also for administrative and financial systems. Slow progress can be tolerated, but negativity beyond a short space of time – in spite of the excellent management team – should indicate the time is ready to pull the plug.

There ought to be constant innovation in both product, resources and management. Without personal commitment and understanding of people’s psyche, the best can fail. A successful entrepreneur needs divine grace, commitment to the cause, discipline and courage.

Gary Grant, the founder of toy shop chain The Entertainer

Image copyright Emma Hollings Photography Image caption The Entertainer gives 10% of its profits to charity, mainly child-related ones. “We earn our money from family and children and therefore we give back to family and children,” he says.

Entrepreneurs have a different level of risk taking.

In life we all have a risk threshold. There are people for whom not having secured their regular monthly salary cheque is daunting.

You have to believe in yourself, and then you have just got to go for it.

Depending on where you are on the risk register separates the very calculated “I need to know all the answers” type of person, from the ‘I’ve got a good gut feel about this, I’m just going to give it a go’ person. To be honest, the later one is the kind of person I am. I’ll have a go.

I don’t take on unnecessary risk. But if you want dead certs they don’t come your way. They don’t exist.

Mark Constantine, founder of toiletries and cosmetics firm Lush

Reconsider your marketing. If your marketing is the same as others in your sector, you’re doing it wrong.

Make sure that your customer can work out the value for money. If they can’t, you don’t deserve to retain them.

Think of different things you can do with your business that are not just about making money.



2016 Best Small Business Technology Trends #small #business #lending


#business technology

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2016 Best Small Business Technology Trends

If you are a small business owner in the year of 2015, you have probably figured out by now that it is not enough to have an idea (or a pool of ideas, for that matter) just to stay on the market.

Once they create new business, many small business owners think that some invisible force will help them to keep the motors going and make bigger profit. Well, they are delusional. There are a few options which are slowly taking over other trends, with the tendency to dominate the market.

In 2015, a small business owner has to find alternative ways of going bigger. So, if you want to stay ahead of the curve, and ahead of your competition, here are some of technology trends you should start thinking about this year.

New methods of payment

As a small business owner, you need to keep up with modern technologies and take what they are offering you. The biggest development in the sphere of payment is definitely mobile payment system .

Plastic cards were a revolution, but are passé now because everybody wants to replace their wallets with smart phones – simply because it is easier.

For example, Apple Pay is becoming ever more popular due to the popularity of the smart phone, so if you want to count on Apple users, bring your business closer to them and sew the seeds of good business.

Even though it has not yet established itself as a ‘norm’, it does show a tendency towards it, so take this word of advice seriously: invest into mobile payment system for your company, because it is going to pay off very soon.

3D printing is here to stay!

You have probably heard of this new way of manufacturing, which almost evolved from sci-fi to useful technology. And its price is no longer astronomous!

What is best about 3D printing is that it is very useful for small businesses – 3D quality and lower costs are the main reasons why you should use this technology in your advantage.

The development of cloud computing

If you worry too much about your data (of course you are, those are classified data!), fear not, because cloud-based computing is there to help you.

With cloud computing system, you no longer need to have a local server – that is a computer that is keeping your data in one place and is susceptible to defects.

And you will no longer require an IT technician – since cloud based technology is affordable and easy to maintain.

Find alternative funding options

In the fast-changing and growing world of today, you have to think about alternative ways of funding. This means not to stick to one product or area of expertise, but to evolve and make way for new things.

For example, if your business does not give you the chance to broaden your business, you can look for other funding options, such as crowdfunding, public offerings or take direct loans.

So, if you are the owner of a small signage business. you can make way for new things with the help of crowdfunding. Let not money be the obstacle – make it an advantage!

And finally, the best advice for small business owners for this year is that if you see a chance – take it! Do not wait for someone else to make that risk, so if you have an idea, and you think it is good, why not try it? If you do not do it, the odds are that someone else can beat you to it while you are waiting. Do not wait!

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Top 10 business ideas – opportunities for 2016 #business #communication


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Top 10 business ideas opportunities for 2016

We’ve selected 10 new business ideas that will provide entrepreneurs with plenty of inspiration in 2016. Spotted from countries all around the world, these businesses offer a taste of what’s to come in the year ahead.

We hope that you’ll find these concepts as inspiring as we do, and that they spark even more innovation in the year to come!

For all of the articles and papers discussing the numerous benefits of Big Data, it’s important to remember that all this data still needs to be stored somewhere. As more and more data centres are built every year (it’s a booming industry), enormous expense goes into regulating the temperatures within those centres, with large cooling isolations designed to handle the excess heat produced. Dutch startup Nerdalize offers a new solution which makes use of this waste heat, by placing individual servers in people’s homes where the heat can be useful, rather than a problem. Homeowners can lease the two-in-one heater/server from Nerdalize, who cover the electricity costs of the device. The multiple servers then connect to create The Nerdalize Cloud, while helping to warm homes.

In March, The Prado Museum in Madrid displayed six 3D replicas of famous paintings, which visually impaired visitors could explore through touch. The article we wrote about the exhibit proved to be one of our most popular from the last year, and was just one of many inspiring innovations from museums in 2015. We also saw the MCA Chicago offering free EnChroma glasses to colorblind visitors. enabling them to see artworks in full colour.

As well as becoming more accessible, we saw museums become more personalized, with the Muzeums app creating individually curated experiences based on the visitor s unique profile. The app was similar in principal to the BBC’s experiments with presenting different versions of the same film based on the viewer’s preferences. It should already be clear that personalization, powered by big data, is set to be the major theme for 2016.

Read more about the Prado Museum. which can reduce road collisions by 40 percent.

2016 looks set to be the year that The Internet of Things takes its first meaningful steps into the mainstream. We’ve already seen a number of startups aiming to upgrade existing devices and appliances, retrofitting plugs and switches to turn once dumb objects smart. But as more smart devices enter the household, there will be a growing need for a centralized command center to control them all.

Last year, the most talked about interface for the new, smart home was Jibo. Probably the closest thing to a real life R2-D2 or BB-8, Jibo is a friendly personal robot designed to interact with your Internet of Things devices. But this year’s most fascinating foray into the arena was Knocki. Knocki is a battery-powered disc that transforms any surface it is mounted on into a smart communication tool — translating up to ten knocking patterns into commands for the user’s smart home. Knocki works by sensing vibrational patterns on the surface using an accelerometer-based system. The startup behind the device has a range of suggested uses, for example, two knocks on the living room wall could skip the current song, or five quick fire knocks on the bedside table could set the coffee brewing.

Just like the Nerdalize servers, the best innovations look to solve more than one problem at once. Tackling the dual problems of derelict housing lots and a lack of affordable housing in Amsterdam, Heijmans ONE are complete, self-contained two storey living units. They cost around EUR 700 per month to rent and come equipped with all the basic required facilities, including kitchen, bathroom, separate bedroom, living room and outside patio space. The units can be installed in derelict lots in less than a day, breathing life into neglected areas. When building work is set to start in those areas, the units can be removed as easily as they were installed, and transferred to a new site.

This means that the accommodation can only ever be considered temporary, but another of this year s standout startups, Kasita. makes this nomadic lifestyle their central feature. Kasita is creating simple apartment block ‘scaffold shells’, which are easy to build on small lots of urban space generally classified as not developable. These shells can literally be picked up and moved by a truck whenever — so users can move to other Kasita locations around the world simply by putting in a request on the companion app.

3D printing has the potential to revolutionise the way items are stocked and sold, but it will also have an impact beyond retail. The affordability of the production process means that we’ve already seen the creation of the world’s first robotic hand retailing for under USD 1,000. and this year we discovered E-Nable — a volunteer run network that matches people in need of prosthetic hands with local designers and makers in possession of a 3D printer. In an effort to make prosthetics more desirable for young amputees, we also saw the UK introduce the first line of superhero-themed bionic hands .

The best way to harvest renewable energy is to acquire it from existing sources without too much disruption to the current infrastructure. Putting that theory into practice, the LucidPipe is able to harvest low-cost renewable energy from water flowing through a city’s pipes. The LucidPipe can be installed in any system where water flows downward naturally with gravity, and each piece of LucidPiping contains three small turbines which spin in the flowing water. The turbines connect to a generator on top of the pipe, producing hydroelectric power, which can drastically reduce the cost for the water utilities or be filtered back into the city.

A collaboration between Norwegian oil company Statoil and the Scottish government meant 2015 also saw the introduction of the world’s first floating wind farms. and we saw the creation of smart wind turbines for the home — designed to learn local wind patterns in an effort to save power during periods of low wind activity.

We could hardly look back on 2015 without some mention of drones. UAViators is an humanitarian UAV network, which signs up experienced amateur drone operators willing to provide disaster relief. Drones can capture aerial images faster, cheaper and at a higher resolution than satellites, which makes them excellent tools for communicating the lay of the land after hurricanes, earthquakes and other disasters.

We also saw the University of Nebraska-Lincoln developing autonomous drones that drop delayed ignition parcels to induce controlled forest fires. in an effort to contain the spread of wildfires.

And, of course, we couldn’t write an annual top ten without highlighting our favourite Weird of the Week article from the past year…

Following on from last year’s methane backpacks for cows. the winner of this year’s Weird of the Year award goes to UK-based Kinneir Dufort and their 3D printed pancakes. To create the uncanny delights, a digital camera first captures a customer’s likeness. Kinneir Dufort’s bespoke software transforms brightness from the image into contours, which are then produced gradually by a batter dispenser. The result of all this effort is a 3D printed pancake designed to look exactly like the customer’s face. And that, is true innovation.

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Where to Find Startup Business Loans 2016 #business #insights


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Where to Find Startup Business Loans 2016

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Money is a big worry when you’re starting a small business.

Established companies have a wider range of business loan options with the growth of alternative lending. But startups face higher hurdles to funding. So we’ve rounded up half a dozen financing options for new entrepreneurs to help you get your business underway:

1. Microloans and loans from nonprofits

Microlenders and nonprofit lenders are two good financing options, especially if you have shaky finances. Generally, you’ll get solid loan terms from these lenders, making it possible for you to grow your business and establish better credit.

Many microlenders and nonprofit lenders are also focused on helping minority or traditionally disadvantaged small-business owners, as well as small businesses in communities that are struggling economically. And these organizations are willing to work with aspiring entrepreneurs with poor credit.

The U.S. Small Business Administration also has a microloan program that offers loans of up to $50,000 to small businesses and some not-for-profit childcare centers. The average SBA microloan is about $13,000. Here is a list of providers .

The downside of the microloan is the “micro” part: Funding may not be sufficient for all borrowers.

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2. Friends and family

Perhaps the most common way of financing a new small business is to borrow money from friends or family. Of course, if your credit is bad — and your family and friends know it — you ll have to persuade would-be lenders that you’ll be able to pay them back.

In these situations, the potential cost of failure is not just financial but also personal.

“Business is personal regardless of what people say,” David Nilssen, CEO of small-business financing company Guidant Financial, tells NerdWallet. “For most people, it’d be difficult to separate the two.”

Trim your list of friends and family to just those who understand your plans, and do your best to make certain they are comfortable with the risks involved.

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3. Credit cards

Many small-business owners use a credit card to start a small business. If your credit isn’t stellar, your choices may be limited to secured credit cards. which typically have higher fees than regular credit cards.

It’s important to remember, however, that credit cards are an expensive way of financing a small business, particularly if you have bad credit. That’s because card issuers determine annual percentage rates based largely on your personal credit score. Also, research has shown that small businesses that rely too heavily on credit card financing typically fail.

SHOP SMART FOR THE BEST CREDIT CARDS

4. Personal loans

Many new small-business owners also access financing through personal loans, especially through a growing number of online lenders. But like credit cards, personal loans usually have high APRs, especially for bad credit borrowers.

For example, you could get a personal loan that could be used for starting a business from companies such as Peerform and Vouch. Both lenders have a minimum credit score requirement of 600, but their loans have APRs as high as 30%.

Nilssen says small-business owners should consider personal loans “an option of last resort.”

“Where they can work,” he says, “is when a business just needs a small amount of money for things like early-stage production or buying equipment.”

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5. Crowdfunding

Crowdfunding has become a popular method of raising funds to start a small business, thanks to such sites as Kickstarter and Indiegogo, which let you launch online campaigns to solicit funds. Instead of paying back your donors, you give them gifts, which is why this system is also called rewards crowdfunding.

New avenues are also opening up for equity crowdfunding, in which you tap a public pool of investors who agree to finance your small business in exchange for equity ownership. This became an even broader option recently with new securities regulations that allowed small-business owners to reach out to mom-and-pop investors, not just accredited investors.

Crowdfunding is good for the entrepreneur “who has a product and wants to test the market and validate the opportunity,” Nilssen says. “No credit necessary.”

[back to the top]

6. Grants

Grants from private foundations and government agencies are also a way to raise startup funds for your small business. They’re not always easy to get, but free capital may be worth the hard work for some new businesses.

Startup business loans: Compare your options

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23 Inspiring Quotes for Growing Your Business in 2016 – Salesforce Blog

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23 Inspiring Quotes for Growing Your Business in 2016

If there’s one thing we know about small businesses, it’s that they’re focused on growth. When we surveyed entrepreneurs and small-business leaders earlier this year, the majority told us they expected to grow significantly in the coming year. (Click here to see the full results of our research .)

So, as 2015 draws to a close, we wanted to give small businesses a little inspiration. Here are 23 of our favorite quotes to help you jumpstart business growth in 2016.

Growth is never by mere chance; it is the result of forces working together.

— James Cash Penney, founder, JC Penney

“Play by the rules, but be ferocious.

— Phil Knight, founder, Nike

“The only strategy that is guaranteed to fail is not taking risks.”

— Mark Zuckerberg, founder, Facebook

“Out of your vulnerabilities will come your strength.”

― Sigmund Freud, neurologist

“Motivation is the catalyzing ingredient for every successful innovation.”

— Clayton Christensen, economist and Harvard professor

“Every problem is a gift — without problems we would not grow.”

― Anthony Robbins, motivational speaker and writer

“Conformity is the jailer of freedom and the enemy of growth.

— John F. Kennedy, 35th president of the United States of America

Strength and growth come only through continuous effort and struggle.

— Napoleon Hill, author

“Everyone wants to live on top of the mountain, but all the happiness and growth occurs while you’re climbing it.”

― Andy Rooney, journalist

“Mistakes are the growing pains of wisdom.”

― William George Jordan, writer/editor

“The greatest thing in this world is not so much where we stand as in what direction we are moving.”

― Johann Wolfgang von Goethe, writer/statesman

“And the day came when the risk to remain tight in a bud was more painful than the risk it took to blossom.”

― Anaïs Nin, writer

No company can afford not to move forward. It may be at the top of the heap today but at the bottom of the heap tomorrow, if it doesn’t.

— James Cash Penney, founder, JC Penney

“Only those who will risk going too far can possibly find out how far one can go.”

— T.S. Eliot, author

“The only way you are going to have success is to have lots of failures first.

— Sergey Brin, co-founder, Google

If you don’t build your dream, someone else will hire you to help them build theirs.

— Dhirubhai Ambani, founder, Reliance Industries

I do not know the word ‘quit.’ Either I never did, or I have abolished it.

— Susan Butcher, sled dog racer

To be successful, you have to have your heart in your business, and your business in your heart.

— Thomas Watson, Sr. former CEO, IBM

“It’s very easy to be different but very difficult to be better.”

— Jonathan Ive, Chief Design Officer, Apple

“Almost everything worthwhile carries with it some sort of risk, whether it’s starting a new business, whether it’s leaving home, whether it’s getting married, or whether it’s flying in space.”

— Chris Hadfield, astronaut

“Happy employees lead to happy customers, which leads to more profits.”

— Vaughn Aust. EVP of Integrated Solutions, MarketStar

Employees want to feel inspired by their leaders. hire individuals who will lead by example.

— Jody Kohner. VP of Employee Marketing Engagement, Salesforce

“Forget past mistakes. Forget failures. Forget everything except what you’re going to do now and do it.”

— William Durant, co-founder, General Motors



The 7 Hottest Online Business Opportunities for 2016 #doing #business #as


#business opportunities

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With the implosion in full swing, should you even attempt entrepreneurship, let alone a new business launch in 2016?

My answer? Unquestionably yes.

In this article, I’ve suggested a few of the businesses I think are going to be hot in 2016. While tech may be on the decline, the world always has room for sizzling hot, innovative products and services.

Here’s how you can own a piece of the action.

1. Dating

One of the latest and most intriguing disruptions has happened in the dating scene. A person’s love life is a personal thing, but that hasn’t kept Tinder users from sharing secrets and meeting new people.

Need some more ideas? Some people offer consulting–I’ll tell you how to get that guy! Some people make apps–dating coaching services or other information products.

People go crazy when it comes to romance. The love industry is open for business.

2. Marketing Consultancy

There are plenty of people with a vision and some hustle who want to start a business. What many of those people lack is marketing savvy.

Today’s digital marketing world is vast and complicated. It’s also a gateway to success. Between the intricacies of social media velocity and the mysteries of growth hacking, business owners have no clue where to start.

How can you help them? Tell them exactly where to go and how to do it. These wannabe startups don’t lack in drive and determination; they just need someone to consult with who will show them how to do marketing right.

3. Delivery Options

Listen in on any boardroom strategy session (Google, Amazon, Walmart), and you’ll probably hear people griping about delivering products.

Whether it’s hot coffee or that widget you ordered on Amazon, delivery is becoming an on-demand service.

Startups in this space are having a hard time working both sides of the aisle: recipient and provider. The delivery scheme is ripe for disruption. Someone needs to come in and shake off the shackles of the transportation stalwarts and the entrenched courier services.

Drones will undoubtedly make a difference. so harness the potential and develop a lasting solution.

4. 3D Printing

3D printing design and innovation is swinging upward and growing in popularity. Most of us don’t have a 3D printer sitting on our desktops right now, but many predict that’s where we’re headed.

If that’s the case, now is the time to jump in on the action. You can sell 3D blueprints, plans, delivery, fulfillment, and other related services.

5. Audiobooks

Self-published books are a known business idea. Increasingly, however, people want to listen to books.

Amazon’s Audible has already made a killing off this service. It is gradually becoming a leader in this space. However, there is still room for other startups to get in on the action. Narration services, print-to-audio services, consulting businesses, and other methods of producing audiobooks are great options to explore in 2016.

6. Educational Products

People have always been willing to pay for education. Take university education as an example. A public four-year college costs around $20,000, and a private college can fetch a price tag of $50,000 per year.

In spite of the shockingly high prices, people are willing to shell out the money, year after year. Why? Because a college education is worth it.

Well, most of the time it is; some disagree, and with recent innovations in the education space, the traditional college model is being dismantled or downright disrupted.

Behind this disruption are startups like Udemy and Teachable, all of which allow people to share their knowledge and profit from it.

You don’t need a platform to sell your knowledge. You can self-publish a book, create a video coaching session, or teach others how to make money.

Entrepreneurs Justin and Tara Williams learned how to make millions flipping houses. They turned around, created an online course, and are now making even more by telling others how to do the same.

Even a guy like James Swanwick was willing to shelve his promising career as an ESPN anchor to tell people how to quit alcohol. People pay $67 a month to learn from James’s videos and be part of his closed Facebook group.

People will pay to learn a new skill, shape their lifestyle, make new money, impress friends with their knowledge, and change their life in substantial ways.

If you have something to offer, then start teaching.

7. Content-based Websites

I’ve been experimenting with content-based sites for a long time, and recently, I’ve nurtured several small blogs into big-time businesses. The effort required to produce such a blog is pretty significant, but the passive payoff is huge.

As long as you know a thing or two about SEO and content marketing. you can still make a splash in this space.

Great content is your service, and affiliate links and ad space are the revenue. The model has worked for a long time, and it continues to be effective as people rely on the Internet as their primary information source.

Conclusion

This list hardly scratches the surface because the possibilities are bountiful for 2016. They are real, tangible, and ready for the taking.

I’m excited to explore several new business opportunities in 2016. What are you going to try?

The opinions expressed here by Inc.com columnists are their own, not those of Inc.com.



Green Business Ideas 2016 – Business idea Trends #the #small #business #administration


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Green Business Ideas 2016

Environmental problems such as global climate change, loss of biodiversity, and water scarcity are expected to have a major impact on the business community in the coming century, and many businesses are not just planning ahead for long-term sustainability, but also doing their part to help mitigate the problems.

Because green is more a philosophy than a specific industry or set of practices, there is a green business opportunity for nearly every interest.

Some business ideas are eco-friendly almost by definition, such as bicycle repair shops or recycling centers. Most others can become eco-friendly with a little creativity, forethought, and planning, such as a coffee shop that serves organic. shade grown coffee.

The green economy offers thousands of different opportunities for dedicated small business owners and entrepreneurs to make money while protecting the environment. With thousands of opportunities to choose from, the following is not intended to be a comprehensive list, but rather a source of inspiration for would-be ecopreneurs interested in starting or expanding a green business.

List of Green Business Ideas

Here is a list of green business opportunities for eco-conscious entrepreneurs:

  • Architectural salvage yard
  • Bamboo farming
  • Bicycle courier service
  • Bicycle sales and repair
  • Biodegradable packaging
  • Biodiesel production
  • Car-sharing business
  • Carbon trading firm
  • Charging station for electric vehicles
  • Cohousing community management
  • Composting business
  • Composting toilet installation
  • Conservation burial grounds
  • Consignment shop
  • Constructed wetland installation
  • Cool roof installation
  • Cycling tour guide
  • Eco fashion designer
  • Eco hair salon
  • Eco home products sales
  • Eco pet boutique
  • Eco therapy
  • Electric scooter rentals
  • Environmental blog
  • Environmental law firm
  • Environmental lobbying firm
  • Environmental writer
  • Geothermal installation
  • Grassfed meat production
  • Green app developer
  • Green architecture firm
  • Green baby boutique
  • Green bed breakfast
  • Green builder
  • Green building showroom
  • Green cleaning service
  • Green consulting
  • Green dry cleaning
  • Green event planner
  • Green furniture refurbishing and repair
  • Green interior design
  • Green landscape design
  • Green living blog
  • Green marketing service
  • Green niche websites
  • Green roof installation
  • Green taxi service
  • Green travel agency
  • Green wedding planner
  • Greywater systems installation
  • Habitat restoration business
  • Home energy auditor
  • Home solar installation
  • Native plant nursery
  • Natural burial services
  • Nature center
  • Organic beekeeping
  • Organic caterer
  • Organic clothing boutique
  • Organic coffee shop
  • Organic cosmetics sales
  • Organic farm
  • Organic florist
  • Organic grocery store or co-op
  • Organic lawn care
  • Organic pest control
  • Organic restaurant
  • Permaculture design service
  • Rainwater collection system installation
  • Recycled jewelry business
  • Recycled paper products
  • Recycling center
  • Reusable shopping bags
  • Small wind installation
  • Smart grid software development
  • Socially responsible investing firm
  • Solar hot water heater installation
  • Solar panel installation
  • Sustainable property management
  • Switchgrass farming
  • Upcycled fashion design
  • Used book exchange
  • Vermicomposting business
  • Weatherization service
  • Wilderness therapy camp
  • Wind farm

Developing Green Products and Services

Of course, one of the most important opportunities for would-be green entrepreneurs is in developing and refining green products and services. The creativity and innovation of green entrepreneurs and businesses brings hundreds or thousands of clever ideas to reduce our environmental impact every year, and it remains the greatest hope of the human race.

Sit down and think about your skills and interests. What can you create? Think about your efforts to go green at home or at work. What is the one green product or service you wish existed that currently doesn t?



Dell OptiPlex 9020 Review 2016 #business #communication


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Dell OptiPlex 9020 Review

PROS / The processor has a good PassMark score.

CONS / The 290-watt power supply unit isn t sufficient for much expansion.

VERDICT / The Dell OptiPlex 9020 has an excellent processor and sufficient memory to run all your critical business software, but it lacks many upgrades and the option to add components.

The Dell OptiPlex 9020 comes in four form factors, which gives you plenty of sizes to choose from to fit your office’s needs. We reviewed the largest, because it gives you the most power and opportunity to grow with your business. The quad-core 3.6GHz processor offers a lot of power to multitask and run all your necessary programs. However, the power supply unit is below average, which means you may need to upgrade it if you add components later.

To determine the best business computers. performance was the priority. To evaluate performance, we looked at the processor’s PassMark score, an industry benchmarking score submitted by actual users. Then we analyzed the RAM and storage, followed by connectivity and expansion potential. The best business computer must be able to handle all of your necessary apps without slowing down, and it needs to be able to store all of your files. As a result, the Dell OptiPlex is among the best business computers available.

8011.40 PassMark Score

The best aspect of the OptiPlex 9020 is the processor, which is an Intel Core i7-4790. This processor has an 8-MB cache and a base speed of 3.6GHz. The PassMark score is 10,017. This is among the highest scores in our review. The highest is 11,000. This score indicates that the processor is easily capable of handling significant multitasking and data-intensive tasks.

We determined that 6,000 was the minimum PassMark score for a processor to have a sufficient multitasking abilities. Since an increase of 3,000 in a score is reflective of an exponential increase in processing abilities, the i7-4790 is more than twice as powerful as the minimum passable requirement.

The OptiPlex 9020 has 8GB of memory, which is standard for an office PC. This is enough RAM to ensure your business can multitask without experiencing dips in performance. Most business-related software isn’t data-intensive, so 8GB of RAM gives you ample room to run many programs at once. The one downside is that you can’t upgrade the memory before purchase, which is important if you use data-intensive programs like 3D rendering or video editing software. However, you can manually install up to 64 GB of RAM to the motherboard, which gives you a lot of flexibility for future growth.

The hard drive has 500GB of storage, which is disappointing. Most business computers start at 1TB of storage. However, if you deal with videos, graphics and audio, then you can upgrade to a 2-TB hard drive. With four expansion slots, you have the ability to manually install additional hard drives as needed.

With eight USB 2.0 ports and four USB 3.0 ports, you have many options for plugging in external devices like flash drives, scanners and card readers. Most electronic devices that communicate with a computer connect via a USB port. USB 2.0 is still the most commonly used USB port, but USB 3.0 is the fastest connection.

A downside to the OptiPlex 9020 is the 290-watt power supply unit. The best business computers have a power supply unit rated between 460 and 490 watts. This is important for adding components like extra hard drives and optical drives. A weak power supply unit limits the computer’s ability to expand with the needs of your business. Fortunately, you can upgrade the power supply.

Summary

The Dell OptiPlex 9020 is a powerful business computer because it comes with a quad-core processor and 8GB of memory. However, it only has a 500-GB hard drive, and the power supply unit is on the weak side. This small business computer performs, but it lacks the storage and expansion potential of the best PCs in our review.