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10 great start-up business ideas to launch in weeks: Starting a business

#start up business ideas

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10 great start-up business ideas to launch in weeks

Take a look around you this morning as you drive or catch the train to work.

From the window cleaner who arrives on your street as you close the front door behind you to the coffee cart serving cappuccinos and lattes at the station, the world is full of thriving and profitable small businesses that have been set up for relatively little initial outlay.

These are not ‘clever’ businesses trading on the strength of innovative new products and nor do they require the backing of deep-pocketed investors to get them off the ground. They succeed because their owners are responding to genuine demand for tried and trusted services.

And with a low initial outlay and overheads, many of these small-scale ventures can be profitable within weeks or months and over time provide their owners with a good income.

So how do you get started? Well, to give you an idea of how it’s done, here are 10 great businesses ideas I’ve come across that you can get up and running within weeks.

1. Mopping up – household cleaning

The lower your outlay, the faster you turn a profit and that’s one of the big attractions of launching a domestic cleaning business. For instance Millie Dark, founder of Sussex cleaners, Mrs Muscle started her company with no real investment. “My customers supply all the equipment and cleaning products,” explains Millie.

Millie worked part-time for a few months before advertising in the local press and word-of mouth generated enough work to go full time. Today she employs 12 part-timers. “It’s taken me a couple of years to get that stage,” she says.

2. On cloud K9 – dog walking

A dog walking and pet sitting service can also be set up with minimal investment. For instance, when Catherine Cleaver started her business – Catherine’s Pet Services – all she needed was £500 for a couple of garden kennels.

Catherine placed a few ads in shop windows. Over time – and with the help of word of mouth recommendation and ads in the local magazine – what started as a part-time activity became a full time job.

“I was earning enough to live on after about three months,” she says “and after about a year I felt I had a sustainable business.” She succeeds by offering a range of services, including dog walking, pet visits and boarding.

3. Cutting it – home hairdressing

Many hairdressers dream of starting their own businesses but are deterred by the cost of renting a salon. Setting up a home visit service can be an ideal way forward.

There is a significant outlay on brushes, tongs, dryers, mirrors and products. “You’re talking several thousands rather than hundreds,” says Ela Lapus, founder of Home Hair and Make Up.

“And customers expect to see the same products they find in a salon. Customers will also expect evidence of recognised skills. I have Level 2 and Level 3.”

The key to profitable success is effective marketing. Hairdressers can use local ads and web directories to publicise their services. Social Media can also be effective. “About 50% of my work comes through Facebook,” says Ela.

Once the initial investment had been made Ela was able to start earning immediately but the present business, operating across several counties has taken a number of years to build.

4. A caffeine hit – mobile coffee bar

We’re a coffee hungry nation and beyond Starbucks and Costa there are thousands of small mobile barista carts selling lattes on the go.

“A coffee maker will cost about £5,000,” says Beth Baxter, co-founder of Camper Cafe. “And then you have to pay for the cart or a van to put it in.”

Prices vary but carts or trailers can cost anything between £5,000 and £10,000. The founders of Camper Cafe were given a Volkswagen van which they kitted out to become their visual signature. Training is an additional cost. Courses for coffee making can be had for between £50 and £200.

Finding pitches is the most challenging aspect as you are often in competition with other vendors. “It took us a year to find out about the market,” says Beth. “After that we took off.”

5. Juiced perfect – mobile juice bar

The rise of coffee carts has been matched by the emergence of juice bars in markets, shopping malls, public thoroughfares and events. The set-up costs are similar to coffee in terms of equipment and training.

6. Bright idea – window cleaning

If you have a car with a roof rack you can start a window cleaning business for a few hundred pounds (bucket, ladder, clothes, etc).

Alternatively you might invest in high pressure pure water sprays, water tanks (around £2,000) and a van to carry them (say £15,000). This is increasingly common.

The challenge then is to build a customer base and that tends to be up close and personal. “Initially the most effective way to do it is to knock on doors and ask,” says Guy Lupton, co-founder of Khameleon Window Cleaning Ltd.

Building a solid base can take time. “We spent about three years of trial and error to get it right,” says Guy. “We’ve been going about five.”

However, when you do get it right the business can grow rapidly. “We still knock on doors,” says Guy. “But we get a lot more business by word of mouth.”

7. Showing drive – ‘Man in a Van’ business

Advertisements for ‘Man in a Van’ and ‘Light Removals’ services are a common sight on shop window advertising boards.

The pre-requisite is a van, probably a Luton-style box van with a tail lift and that’s also the main expense. You’ll need public liability insurance (as is the case for all the businesses listed here). The ongoing costs include petrol, servicing, MOT, and repairs.

The main challenge is building a customer base and most operators use flyers, shop window ads and online directories. Man or woman in a van businesses can be quick to establish but work is required to build a market and perhaps the biggest challenge is getting the pricing right.

8. Highest bidder – an eBay business

Launching an eBay business allows you reach a national and occasionally an international market. You can auction goods or sell at a fixed price.

Most eBay businesses will pay at least £19.99 per month as a subscription fee (rising to £59.99 for a featured shop and £349 for an ‘Anchor Shop’) and on top of that you will pay fees for each auction or fixed price insertion and each sale.

To succeed on eBay you usually have to find goods that can’t be bought elsewhere or offer popular products at knock-down prices. For some it’s a part-time source of pin-money, for others a full-time business. Posters on eBay include Nasty Gal and six years after starting to sell vintage clothing on the auction site it’s now a £60m business .

9. A gem of a business – jewellery and crafts

Many small businesses are based around the skills of their founders. For instance, if you have training as a jeweller or sculptor, an obvious way to sell your work is to market direct to the public via web, craft fairs or through shops.

Tools can cost anything from a few hundred to many thousands of pounds but you can keep costs down by working from a home studio. Ongoing costs include materials, rental at craft fairs (from as little as £20 per day to more than a £1,000).

Jane Faulkner, a jeweller based in Sussex, sells via the web and craft fairs while also having shelf-space in a local co-operative (Billingshurst Creatives) where craftspeople and artists can display their goods in return for taking turns manning the store.

“Craft fairs are my biggest source of income while the shop provides a regular cheque every month,” says Jane. Teaching is also part of the business.

With these revenue streams Jane feels she has a sustainable business, but it has taken around eight years to establish.

10. Snappy work – photography

Photography is another skills-based business. Go to almost any event – from music gigs to vintage car rallies and weddings and you’ll find photographers hard at work.

As Art Hutchins, a freelancer photographer trading as Artseye points out, it’s a business that requires investment in time and money. “Being a serious pro photographer requires a high level of financial investment in good quality equipment and time to acquire the knowledge and skill to use it.”

Starting from scratch would mean buying pro-quality cameras (around £2,000) lenses (£100-£1,000), tripods and lights but many photographers who set up their own businesses will already have acquired some of the equipment over time.

According to Art Hutchins, the best approach is to decide on a target market – in his case small businesses, editorial and family portraits. “The best marketing is word of mouth,” he says.

Very different businesses but all can be started quickly and easily using readily available equipment or existing skills. Importantly most of these businesses take payment either at the point of sale or soon after and that’s great for cashflow.

Demand is there but the key is to market effectively and at the right price.

John Fagan is the head of RBS branch business, England Wales and direct banking. His team work with businesses to build a bigger support network inside the bank and beyond with partners and fellow customers. www.rbsbusinessconnections.co.uk

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15 Best Free Services and Software for Business #business #manager


#free business software

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15 Best Free Services and Software for Business

Just because you manage a business doesn’t mean you have to throw money around. A penny-pinching business manager can access some useful services and applications with no financial outlay.

We took at look at 15 of the best business freebies. They handle everything from customer relationship management and e-commerce Web sites to e-mail accounts, customer mailing lists, and business management training.

Many entail nothing more than Internet access, a Web browser, and a few minutes of your time for user registration. Others require you to download and install some software to access their capabilities.

All are free. Some have paid versions that offer additional features and higher capacities.

1. Customer Relationship Management: Highrise

The Highrise CRM tool. The Highrise CRM tool. Customer relationship management (CRM) helps you keep track of your contacts, with the aim of converting more of them into sales prospects for your business. Highrise could be just what you need to start using CRM effectively to maintain a closer relationship with your customers. The virtue of this Web service lies in its simplicity.

Using Highrise. you can enter customer contact information directly using your Web browser or import existing contact records. Then you can create new tasks, set deadlines, and assign tasks to categories. Establishing a case lets you bring together related contacts and tasks.

When you log in to the service, the Highrise dashboard displays recent activity and upcoming tasks. You can choose to have a daily task summary e-mail sent at 6 a.m. to remind you of what you need to accomplish that day.

Highrise is straightforward and doesn’t offer a lot of extra capabilities, but it’s a handy way for you to keep on top of what your customers want. The free plan is limited to two users and 250 contacts. Greater capacity is available with paid plans.

2. Customer Relationship Management: FreeCRM.com

FreeCRM offers a more sophisticated online CRM service than Highrise. FreeCRM offers a more sophisticated online CRM service than Highrise. CRM is a vital component of an end-to-end business strategy, one that can handle the sales process that begins with the first inquiry from a new prospect and can grow to an established customer relationship with continuing product and service requirements.

FreeCRM.com offers a more sophisticated online CRM service than Highrise, though it requires more time to set up and learn. But it allows easier tracking of potential deals in your sales pipeline. This lets you determine if your sales performance is on track compared to budget.

A large variety of user preferences let you tailor FreeCRM to your business environment. For example, you can select a different currency (pounds instead of dollars) and decide if you want to display completed tasks and deals in your calendar.

There’s no limit on the number of users, though the advertising-supported free version is capped at 10 MB of data storage. A paid Professional version of the service removes the 10 MB limit and makes it simpler to synchronize data offline, with a handheld device such as a Palm or Blackberry, or on your PC using Microsoft Outlook.

3. Web and E-mail Hosting: Microsoft Office Live Basics

Microsoft’s Office Live Basics lets a small business establish an online presence by providing a domain name along with the capacity for managing a good-sized Web site and a couple of dozen e-mail accounts.

If your business doesn’t have a Web site, Microsoft’s Office Live Basics can help you get started. If your business doesn’t have a Web site, Microsoft’s Office Live Basics can help you get started. Office Live Basics will appeal most to small businesses that do not have a Web site and want to establish and manage one. Unfortunately, if you already have a Web site you can’t upload it to the free Basics service.

While a professional Web site designer would chafe at the limited template design options available, the templates make it easier to develop a simple site even if you know absolutely nothing about the HTML code for a Web page. Some handy interactive Web components, such as a forms submitter and a site search engine, are also included.

The free advertising-supported Office Live Basics provides a domain name you select along with Web site storage that can hold up to 500MB of data and e-mail management for up to 25 accounts with 2GB of storage each. Paid editions of Office Live offer greater capacity and additional services such as uploading an existing Web site, document sharing, and contact and time management.

15 Best Free Services and Software for.



Training Courses and Webinars – Business Training Works #business #startup #loans


#business training

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Business Training Works, ® Inc.

Welcome to Business Training Works, the onsite training provider.

Whether you need customer service, train-the-trainer training, a multi-session program for emerging leaders, or something else related to soft skills, we can help.

For more than a decade we’ve worked with Fortune 500, government, education, religious, and medium and small business clients to achieve their employee development goals.

The core of our work is instructor-led training delivered at our clients’ locations. For many topics, we also offer interactive webinar training available anywhere with a high-speed internet connection.

If you’re seeking a blended learning approach or self-paced instruction, we’ve created a handful of online courses and partnered with a respected publisher to provide a library of online titles.

ONSITE TRAINING

Our tailored workshops cover traditional topics such as business etiquette, communication skills, cross-cultural communication, customer service, diversity, human resources, management, supervision, leadership, negotiation, presentation skills, time management, sales, training-the-trainer, and writing.

We also offer more narrowly focused courses in areas such as chat etiquette, military writing, GPO Style Manual usage, and customer service for healthcare.

We are not a commodity course provider, and we recognize that no two clients are alike. We will address your learning and development goals on a schedule that works for you.

We can provide you with full-year training programs, individual sessions, conference breakouts, lunch programs, or keynote sessions.

The workshop overviews found on this site suggest course length, learning objectives, and program flow. For most of our clients, these descriptions are a starting point. However, upon request, we can teach the programs exactly as described.

If you don’t see what you are looking for, please call us. We frequently develop new offerings at the request of our clients.

INTERACTIVE WEBINARS

Some webinars are good, and some are not. If the idea of distance learning causes you to yawn, it’s unlikely you’ve participated in one of our webinar programs. Our distance-learning instructors know how to maximize their allotted time, engage participants, and meet training objectives.

ONLINE TRAINING

If you require training for an individual or need to train people working in different locations, our online training programs could be the answer. Some of these programs are proprietary classes, while others are available through our corporate training partners. The course overviews for these online programs are listed alongside our onsite training descriptions and labeled as online offerings.

COURSE CATALOG AT A GLANCE

The following chart lists existing courses and available formats.

Format Key

B – Conference Breakout Session or Lunch Program

H – Half-Day Training Course



How to start a dog walking business: 4 simple steps: Starting a

#dog walking business

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How to start a dog walking business: 4 simple steps

With recent figures showing that Brits spent more than £4bn on their beloved pets in 2015, you’d be barking mad to think the recession has impacted on the UK’s pet spend.

Action point: Need a loan to start a business of your own? See how we can help here and here

Marking a 10% increase on pooch spending from 2010, it’s not only large retailers benefitting, with many entrepreneurs realising there’s opportunities to be had in the pet industry.

The average dog walker now earns 20% more than the average UK salary. so it’s clearly a viable and potentially profitable business opportunity.

Of course you’ll need to have a genuine interest in dogs as well as a good knowledge of the various rules and regulations surrounding the industry – and it’s a fairly business marketplace.

However, with plenty of doting pet owners out there, finding a good niche can still present great opportunities.

Sound interesting? Then read our four simple steps to help you become top dog in the industry.

1. Experience is essential

While it’s not imperative to have a career background with animals, you should at least be confident around dogs and at the very least have experience in walking a family or friend’s pet.

The Kennel Club’s guidelines for people working with dogs advises “strong interpersonal and communication skills”, as well as “a high level of fitness” and, naturally, “an affinity with, and understanding of dogs” for anyone wishing to pursue a career with man’s best friend.

If you’re in need of experience in handling dogs, you might want to consider volunteering at your local kennels or rescue centre. They’ll often house a good range of dogs of various sizes, age and temperament, so you’ll be fit to face whatever comes your way.

Consider attending courses in animal first aid, pet medication or even animal psychology as gaining a diploma or certificate in any of these would showcase your commitment to the dog’s welfare and impress clients.

2. Remember, it’s a business

While any animal lover might feel like they’ve died and gone to doggy heaven, remind yourself that your dog walking business is just that – a business. As such, you’ll need to possess all the regular entrepreneurial skills required for founding and running a successful company.

Having a basic understanding of bookkeeping is important as you’ll need to be able to balance your own books and fill in your self-assessment tax return. Remember that this is your livelihood and not a hobby, your income should reflect this.

Similarly, a good understanding of marketing and self-promotion will be needed to get your business off the ground.

Finally, an ability to network and negotiate with both your customers and local animal industry is key. Never underestimate the potential for clients to try and negotiate price or you could find yourself working for substantially less than you might have hoped.

3. Be aware of the rules and regulations

Although there are relatively few regulations specifically targeted at dog walkers, businesses providing a service must get public liability insurance.

If this is the start-up business idea for you, be aware you may have to deal with dogs injuring other dogs or people while in your charge.

It’s vital to have the right insurance cover to deal with legal claims, should they arise.

They can help provide you with support and advice on dog walkers insurance and training, plus your membership will give your clients confidence.

To ensure you abide by key regulations, Narps suggest you should:

  • Meet owners prior to the first booking
  • Restrict the number of dogs walked to no more than four at a time
  • Keep records of all work undertaken
  • Protect clients’ personal information

All dogs in public must wear a collar with the owners name and address on it and you could be fined up to £1,000 if you fail to clean up its faeces.

While not the most exciting element of running your own business, it’s crucial you keep abreast of the latest rules and regulations to ensure you’re not jeopardising the safety of others or the reputation of your business.

4. Find a niche in the market

Given the popularity of setting up a dog walking business, it’s very probable you’ll have to find a niche to distinguish yourself from the crowd.

Above all else, carry out market research and see if there’s actually room in your area for another dog walker.

A simple google search or contacting NarpsUK will help a lot in this regard.

Consider offering pet sitting as well as dog walking. Much like babysitting, you’ll mind your client’s pets at their home while they are away, as well as feeding them and attending to any medical needs such as medication or fulfilling dietary requirements.

Having a diploma in pet medication would be advantageous in this instance as it would allow you to cater to a specific group of dogs.

Provided you are properly trained, you could also offer grooming services such as hair cutting or washing.

Offering one-to-one intense sessions with larger dogs could also widen your appeal.

Some dogs simply won’t be satisfied by a trip around the block and will require a more strenuous workout.

For more information on starting a dog walking business, take a look atour in-depth guide to help you prepare for the launch of your start-up.

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Company Partners – find business angels, business angel investment, business partner, business

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Business Partners, Business Angels and great business opportunities

If you are looking for a Business Partner. Business Angel investment or a Mentor this is the place to come.

You can access our sophisticated database of business partners, Investors opportunities directly through our secure system.

  • Find funding from our Business Angels
  • Contact others to join you as a Business Partner
  • Great business opportunities for Investors

Register now to get started

Need a Business Partner to bring additional experience, or a Business Angel with investment available? Or a Mentor to bring guidance and boost your management team.

Join now and contact directly our Business Partners. Business Angel Investors and Mentors .
With one membership you can do all three:

  • Find a Business Angel Investor
  • Find a Business Partner
  • Find a Mentor / Non Exec

Register now to get started

Business Angel Investors are special in Company Partners. You get FREE membership and easy to use facilities that help you find that golden business opportunity. You can select your own criteria and choose either with or without hands-on involvement.

  • Quick secure on-line search for opportunities
  • Automatch for new businesses for investment
  • Easy to use, simple to contact directly
  • 1000s of rewarding equity investments

Register now to get started

Dynamic businesses are looking for Mentors and NonExec Directors to boost their management teams and to help them grow.

  • Use your skills experience
  • Opportunity for pay or equity
  • Build a portfolio of interests

Register now to get started

See examples of members

Who uses Company Partners

Start-ups looking for a like minded Business Partner or Business Angel investment with contacts and experience, growing companies looking for expansion funding, Mentors with years of experience and Investors seeking an exciting and rewarding business opportunity.

Find out what the press and our clients are saying.

Successfully found an Investor through your site and cannot thank you enough!

Andrew – Stockings Romance

I have now found a business partner, the response was amazing.

Karen – Little People By The Sea

Our property development project has now got our Angel Investor thanks to your web site.

Margaret – Suffolk Development



Free Advertising, Free Business Advertising, Free Online Advertising and Local Business Advertising

#free business advertising

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Business Advertising Options

Free Business Advertising

Online Business Advertising

Local Business Advertising

Business listings are mobile friendly, responsive and designed to display well on mobile devices, smart phones and tablets.
All upgraded directory listing also provide NAP Citations in JSON Mark-up to help with Local rankings.

Basic Listing – 30.00 per annum

See example of Basic listing – Basic Listing

No other adverts appear on the page we create for you.
No message about upgrades appears with your listing.
Often approved within 3 days

You will be redirected to registration page after payment is received.
(Please feel free to ring 01608 663759 with any questions)

Upgraded Silver Listing – 50.00 per annum

Silver Listings are given more prominence over free listings.
No other adverts are displayed on Silver Listings.
Social Media details can be included on Silver Listings.
Silver Listings include a link so people can visit your website.
Silver Listings include semantic mark-up to help local citations.

You will be redirected to registration page after payment is received.
(Please feel free to ring 01608 663759 with any questions)

Gold Listing – 75.00 per annum

Custom Styling is included with Gold Listings
Gold Listings allow you to display an image or logo with your listing
Gold Listings are given more prominence over free and silver listings.
No other adverts are displayed on Gold Listings
Social Media details can be included on Gold Listings.
Gold Listings include a link so people can visit your website.
Gold Listings also include two extra link so people can visit the relevant sections of your website.
Gold Listings include semantic mark-up to help local citations.

You will be redirected to registration page after payment is received.
(Please feel free to ring 01608 663759 with any questions)

Free Listing – 00.00

See example of Free listing – Free Listing

Sorry, due to time constraints and directory running costs, free listings are now available by invite only and are only approved on a fortnightly basis.
Do you really want to miss out for the sake of £30.00? – Compare the difference between free listings and upgraded listings – See Options

Other adverts appear on the page we create for you.
A link to your website is not included with your listing.
A message about upgrades appears with your listing.
May take 2 weeks before listings are approved
Invite Only

Are you a Local Tradesman?
Take advantage of our brand new free advertising opportunity before all the top spots are gone – Show Us Your Van

Please note:

Prices are per annum not per month.
We reserve the right not to approve listings.
Displayed prices exclude VAT which is charged at 20%.

Free Advertising & Cheap Advertising

A range of free advertising options for small business.

Cheap Business Advertising Tips

Top 10 ways of obtaining cheap advertising or free advertising – in no particular order.

  1. Local Magazines
    We all get them, the free monthly pamphlets through the door from the local parish council, local publisher or local entrepeneur who tries to sell advertising space in their new local directory. Think about it though, how often do you use it if you want to find a local service? personally, it’s about the first place I look and more often than not the advertising rates are dirt cheap.
  • Stylish Business Cards
    I was once told the most expensive business card you can get is a free one! Why risk the chance of losing that big order because your business cards are poor quality and don’t reflect the service you provide?.
    Suppliers of Business Cards .
  • Branded Merchandise
    Everyone likes a freebie, you know your pens are going to go walkabout anyway, so why not get your name and logo on them so that at least you get a bit of benefit from the fact they are out there? The same goes for other nicnacks, make your client a coffee, leave him to his thoughts but have your USP on the mug he’s drinking from, you never know, it might just stick in his mind when he makes the decision you’re waiting for..
    Suppliers of Promotional Merchandise .
  • Local Noticeboards
    Have you seen your local noticeboard recently? chances are a lot of people have and for the sake of 4 drawing pins, sore thumbs for an hour, you can get your message to these people.
  • Leaflet Distribution
    On a par with local magazines except this time you have total control of the content. You also have the benefit of gaining a bit of fresh air, exercise and getting your face (and business) known in your locality. Go on, give it a go, get some nice flyers printed, get your tracksuit on and have a nice brisk walk around your local estate.
    Leaflet Distribution Companies – Leaflet Delivery Companies
  • Online Business Directories
    A lot of small business owners moan about online business directories taking up the top positions of the search engines. Rather than joining in with this moaning, the smart small business owner takes advantage of these directories to gain the positions they would have to pay a good optimiser to achieve for them.
    Register in UK Small Business Directory .
  • Sponsor Local Events
    Got a local team who needs assistance, a kiddies playground which needs a bit of new equipment, an annual event that needs a good raffle prize. Make yourself popular, feel good about yourself and gain a bit of cheap advertising all at the same time.
  • Article Writing
    You don’t have to be a great writer, you don’t need to spend a lot of time, you don’t even have to see it as work. The articles on this page are a perfect example, the kids have gone to bed, there’s nothing on the telly, don’t feel like the pub tonight so let’s just patter away on the keyboard as though your’e waffling to a mate. The more you write, the easier it becomes, and soon you have a page full of content. And as we all know, a website needs content.
  • Viral Marketing – Using News
    Listening to the radio the other day I heard someone talking about the fact they were going to buy their kids some hens for christmas, it was just the inspiration I needed to create my A Hen is for Christmas website. One week later it had received close to 3000 visitors.
  • Search Engine Optimisation
    Avoid the rogues and snake oil salesmen which have come out of the woodwork in recent years, get yourself a good local SEO enthusiast and work with him, as long as you have a good relationship, are fair and don’t treat him as an employee, you can get great benefits. There are loads of geeks and young kids out there who still see search engine optimisation as a game, let them play and build up your sites popularity at the same time.
    Search Engine Optimisation .

    Free Advertising – Free Business Advertising – Free Online Advertising – Free Tradesman Advertising – Free Local Advertising – Local Business Advertising



  • Young Entrepreneurs: 14 Small Business Ideas for Teens and Kids #candle #making

    #business ideas for kids

    #

    14 Fun Business Ideas for Kids and Teens to Encourage Entrepreneurship

    Should you encourage your children to start a business? Are there good business ideas for teens and kids? With police routinely shutting down kids lemonade stands for being unlicensed businesses, you might wonder if they should just put their entrepreneurial urges on hold until they get older.

    But there are good reasons to let young people make some money on their own, and to let them start early. Billionaire CEO of Berkshire Hathaway Warren Buffett says :

    There was a study many years ago questioning how to predict business success later in life. The answer to the study wasthe age you started your first business impacted how successful you were later in life.Teaching kids sound financial habits at an early age gives all kids the opportunity to be successful when they are an adult. [emphasis added]

    Buffett s own childhood was full of investments and businesses. At age 11, he bought his first stock. By the age of 14, he used $1,200 he earned from paper routes to purchase 40 acres of land, which he then leased out to farmers. In high school, he and a friend bought a used pinball machine for $25 and set it up in a barber shop. They later put machines in other locations and eventually sold the business.

    Of course, your child doesn t have to be the next Warren Buffett to benefit from a small venture or two. Here are some of the best business ideas for kids.

    1. Dog Walking

    Busy people need help keeping their dogs fit, and this is a job most kids can handle and enjoy. Dog walkers charge either for a set fee or an hourly rate, and the kids can even expand their business to include dog washing and pet sitting .

    Kids can approach neighbors to offer their services (you may want to tag along if they’re young) or advertise their business online. Care.comsays their dog walkers average almost $10 per hour, and it s free to open a basic account. Care.com’s policy for teens requires adult-supervised accounts (parents receive email notifications of all activity), and the kids have to be at least 14 to sign up.

    2. Websites

    Many kids are more Internet savvy than their parents, so it makes sense to consider online businesses, including various types of websites. It costs very little to register a domain name and buy web hosting, and by relying on easy advertising revenue (like Google AdSense), kids don t even have to sell anything.

    For example, Forbes reports that Ashley Qualls started Whateverlife.com at age 14 as a personal portfolio with pictures and graphics she created. Later, she added tutorials on creating graphics and other content for teens. Before long she needed a dedicated server, and she added Google AdSense to the site to monetize the traffic.

    Now, her website brings in as much as $70,000 a month, according to Fast Company. Qualls bought a $250,000 home with her profits while still a teenager, and turned down a $1.5 million offer for her business.

    3. Paper Routes

    Paper routes helped Warren Buffett get his start in business, and although most newspapers now rely on adults with cars for delivery, there are still a few places where kids deliver papers on foot or by bicycle. In Carroll, Iowa, for example, The Daily Times Herald still has 80% of its papers delivered by kids aged 9 to 17, according to NPR .

    One of the best things about modern paper delivery is that the kids no longer have to knock on doors to collect for subscriptions that s all done by credit card billing.

    4. Crafts and Jewelry

    If your kids are creatively inclined, they can make crafts and jewelry to sell online. There s no need to set up a website for this. Platforms like Etsy provide a great way to keep it simple. Vendors pay 20 cents to list a product and then a commission of 3.5% on each sale. The policy for kids is that the Etsy Shop must be managed by a parent or legal guardian.

    How much could your child earn on Etsy? By the time he was 11 years old, Mo Bridges had brought in more than $30,000 selling bow ties through his Etsy shop.

    Other Businesses for Kids

    Don t underestimate the potential for big success from small starts. Fraser Doherty started making and selling jam from home at age 14 and before long had over $1 million in annual sales. At age 10, Juliette Brindak drew pictures of Cool Girls, and, at age 16, used those characters to launch a social networking site called Miss O and Friends . The site is valued at $15 million today.

    The types of businesses started by some kids might surprise you too. Who would have thought that BizChair.com. started by Sean Belnicks at age 14, would be selling $24 million in office chairs by the time its founder was 20? Or that 17-year-old Nick D’Aloisio would sell his news-aggregator app, called Summly, for $30 million?

    Any kind of business activity teaches kids valuable lessons. As a child, Tyler Dikman had lemonade stands, mowed lawns and did magic shows. He parlayed that business experience into launching CoolTronics. a comprehensive computer sales and service solution, when he was just 15. The company went on to make millions of dollars.

    What else can kids or teens do to make money? Here are a few more possibilities:

    1. Help companies with social media marketing
    2. Babysit
    3. Help seniors set up and use computers
    4. Wash cars
    5. Do garden maintenance
    6. Have garage sales
    7. Make greeting cards
    8. Recycle soda cans
    9. Tutor younger kids
    10. Shovel snow

    Your Turn: Do you encourage your children s entrepreneurial plans? What good business ideas could you add to the list?

    by Steve Gillman
    Contributor for The Penny Hoarder

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    MLM News – Direct Selling Facts, Figures and News #business #plans #samples


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    The average Top Earner in Direct Selling is earning approxiately $20,000 per month / $240,000 per year based on 8,000+ ranks and 500+ distributors are making $1+ million a year.

    Below distributor earnings are based on our Confidential Top Earner Form . public sources, conventions, up and downline information and are estimated due to the dynamics in pay plans.

    Business For Home collects top earners data since year 2007 and we publish on a daily basis important Direct Selling News .

    Active distributors are using this website to introduce prospects into the world of Direct Selling and to show what is possible.

    The ranks are updating every 30 minutes in real time. Below are the first 1,000 top earners,

    If you want access to all 8,000 top earners please log a support ticket .

    The information contained in this website is for general information purposes only. While we endeavour to keep the information up to date and correct, we make no representations or warranties of any kind, express or implied, about the completeness, accuracy, reliability, suitability or availability with respect to the website or the information, products, services, or related graphics contained on the website for any purpose.

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    SBA Loan Rates – 504 and 7a Loan Rates #business #management #degree


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    SBA 504 Loan Rate – 4.08% Effective Rate*

    SBA 504 Rates for the August 2016

    The 504 loan rate (effective rate) for 20 year commercial real estate loans is 4.08% * The effective rate is inclusive of all servicing fees. (Some lenders do not advertise the all inclusive rate, so you may see the rate advertised slightly lower in some areas of the country).

    The 504 program consists of 2 loans:

    1. first mortgage for approx 50% of the project cost
  • 504 second mortgage guaranteed by the SBA (this is the rate referenced above).
  • SBA 7a Loan Rates

    SBA 7a rates can be either fixed or variable.

    The 25 year fixed rate is very competitive and never adjusts. These loans are available if the majority of the loan proceeds are used for commercial real estate. The underwriting can be a little tougher than for a variable rate, but this is a phenomenal opportunity to lock in great low rates for the long term if you qualify.

    Variable rates are typicallyPrime + a margin not to exceed 2.75% , The margin is set by the lender based on their cost of funds and the quality of the loan. Most lenders will offer something between Prime + 1.25% and Prime + 2.75%. 7a loans can also be based on the one month LIBOR rate.

    Please contact us at 1-800-414-5285 for more information about the possibility of a fixed rate

    10 Year Loans for Business Acquisitions

    The SBA 7a is also a great solution for business acquisitions as well as refinancing of business debt or partner buyouts and the rates can be fixed or variable for up to 10 years.

    504 Loan Rates


    First Mortgage Rates:
    Currently range from high 3% range to as much as 6.5% depending on loan size, term, property type and strength of transaction and are typically amortized for 20 to 25 years and in some cases as long as 30 years.

    First mortgage rates and terms will vary depending on the type and size of the loan with the 5 year fixed rate/25 year amortization being the most common. After the initial 5 years the loan could adjust as frequently as monthly or as infrequently as every 5 years depending on the lender.


    August 2016 504 Mortgage Rate: 4.08%*
    – fixed for 20 years.


    The combination of the 2 loans and the fact that the second mortgage is always permanently fixed make for very attractive 504 loan terms.

    SBA 504 Equipment Loans are typically 10 years and can be anywhere from .25 to 1.5% lower than commercial real estate transactions .

    SBA 504 Refinance Rates may be slightly higher and multi-purpose property rates are typically lower than single or special use properties like hotels or self storage properties.

    New Fixed Rate Option for 504 First Mortgage

    There is also a low rate SBA fixed rate option available for multi-use properties and some special use/single purpose properties for the first mortgage portion of the 504 program. The loan is fixed for the entire term of the 25 year first mortgage.


    The rates for this program are very competitive and when combined with the low rate second mortgage it makes for very attractive fully fixed long term rates.
    (The rate for the first mortgage will vary depending on loan size, prepayment penalty, etc).

    Again, this program is a true fixed rate that will never adjust . so while the rate may be higher than the 5 year fixed and other options, this loan is the better choice if you intend to own your property for the long haul.


    Please contact us for more information about this program: 1-800-414-5285

    504 Loan Payment Example

    Here is an example of loan amounts and payments for a $1.5 million transaction with 10% down and a 1st mortgage rate of 4.8%:

    Down Payment/Equity Injection. $150,000

    First Mortgage: $750,000

    Second Mortgage: $600,000

    The payments would be as follows:

    First Mortgage: $4384.43

    Second Mortgage: $3661.22

    Total of Payments. $8045.65

    The 504 offers a low monthly payment with the least cash out of pocket and it compares very favorably with most any other commercial loan program. It is available for purchase, refinance, construction or renovation of owner occupied (owner-user) commercial property.


    Please contact us at 1-800-414-5285 to find out how the SBA 504 or 7a could help your business.

    Please note: the SBA does not make loans directly and interest rates are set by the lenders who make the loans.

    * Rate includes fees to SBA, CDC and central servicing agent. (Rates change monthly).