Tag : How

How to Start a Candle Making Business (with Pictures) #business #website


#candle making business

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How to Start a Candle Making Business

Decide what type of candle you would like to make. When you’re first starting out, it’s best to stick with one or two products. In candles, making container candles is probably the simplest, but you can also make mold candles or taper candles. [1]

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Pick a wax to work with. Waxes come in several main groups. Which group you choose is mostly based on preference.

  • One group is paraffin, which is a by-product of petroleum. You can find it in a variety of melting points, depending on what type of candles you are making. For instance, you need a higher melting point for tapers than you do for container candles. [2]
  • Another type of wax is beeswax. Beeswax is a product that bees make, so it has a natural, light honey smell. Some people prefer this wax because it is all-natural, though others will mix beeswax with other waxes for their candles. [3]
  • A third category of waxes is vegetable waxes, where soy is probably the most popular. One benefit of soy wax is it is pure white, and it also doesn’t shrink up when you pour it, which means you don’t have to pour wax more than once. Bayberry wax is also in this category. [4]

Learn the technique. One of the simplest ways to learn how to make candles is to take a class in your community. You may be able to find one with your local parks and recreation department or even at your local community college. However, you can also find a wide variety of tutorials online. In fact, you’ll likely be able to find all you need to know online if that is your preference. [5]

  • You can also check out books from your local library about candle-making.

Practice the technique. Before you start selling, you need to take time to build up your skill. Try working a little bit each day on your business, starting with practicing a bit each day.



How to design a business card: 10 top tips #family #business


#designing business cards

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Creative Bloq

How to design a business card: 10 top tips

A well-designed business card lends legitimacy to your business, and can make you stand out from the crowd of competitors. Check out our top tips on how to make a lasting impression.

Although we re working in paperless offices more and more, the humble business card is still a mainstay of business. If you haven t got a card you can give out to prospective clients or collaborators, you re missing out on a key marketing opportunity.

Not all business cards are created equal, however. We live in a world where the average small business can design their own cards and order them from well-known online printers for under 20. These cards tend to be of an inferior weight, and typically use twee clipart to relate themselves to the business being advertised.

What this means is that there are a lot of poorly designed business cards out there! This is both a challenge and an opportunity: to stand out you need to create a design that looks fantastic, and helps you differentiate yourself. If you can make it tactile and feel pleasant in the hand, you ll be well on your way. Create an effective card and you can elevate your business above your competitors before the prospect has ever seen your website!

So, with all that in mind we ve brought together 10 of our top tips for creating effective, innovative business cards .

01. Use good design principles

It might seem obvious but it s worth reiterating that a business card is a piece of printed material like any other. Because of this, the basic principles of paper-based design apply to business cards:

  • keep all your key copy at least 5mm from the trim edge
  • work at 300dpi for best image reproduction
  • ensure you maintain a minimum size for your typography to maintain legibility
  • design in CMYK unless you re working exclusively with spot colours

Many designers also find it helps to use a grid to lay out their cards, as this can help you to achieve the right hierarchy of information as well as ensure your alignment is sound.

02. Get creative within the constraints

There are a couple ‘standard’ sizes for business cards, depending upon where you are in the world. One typical example is 55x85mm, although you’ll see many other sizes quoted on the web. Working within this tiny canvas you can still get creative with the space: start by considering the key information you want to include, which will typically be a name, phone number and email address, then work your design around presenting this information in a creative way.

03. Avoid common pitfalls

There are some common pitfalls to designing business cards that it helps to be aware of. The first and most obvious is to ensure you provide a bleed as specified by your printer. This is commonly 3mm, but can be 5mm so check! Just as important is to avoid using a straightforward border around the entire of the card, as this will show up any misalignment in the trim if the card isn’t perfectly cut.

04. Use special finishes

This example features a UV spot to highlight fret positions, on the reverse of a guitar tutor s business card

An instant way to add impact to your business card, and make it stand out from the crowd, is to use a special finish. Special finishes include the likes of foil blocking, spot-UV and metallic inks, and can add significant cost to your print. What they offer, however, is the opportunity to make your card more tactile, visually impressive and memorable.

Different printers offer different options for finishes, so speak to them to find out what they can do for you, and don t be afraid to go to a specialist if your usual printer only offers straight four-colour print.

05. Cut into your card

This card, designed by Phil Jones, Ryan Coleman and Jeff McCullough for Yoga One, shows how some creative thinking with die-cuts can result in a fun and memorable card

A great way to make your card unique is to use a die-cut process to remove elements from the card stock, leaving a void. You can either use a die to change the shape of your card (by rounding the corners, for example), or you can cut shapes out of the centre.

Dies are expensive to create the first time, although increasingly printers are offering laser-cut options that make it economical to create a die-cut look on shorter print-runs. There are some amazingly creative examples on the web, and when combined with creasing you can use the process to create architectural features in your card design. Also, don’t overlook letterpress as an option.

06. Use unusual materials

This card is constructed from a printed circuit board, and works as a USB device. When plugged in, it provides additional information about the owner

Most business cards are printed on card stock. This is the most cost-effective option for printing your cards. If you re willing to get a little more creative, you can print onto all sorts of different materials including transparent plastics, metals, wood and even slate.

Here dog treats have been used as a business card material, allowing the card to serve two purposes simultaneously

Keep in mind that cards need to be portable, and easy to file away in a pocket or briefcase, but get creative with your choice of stock material and you’ll instantly stand out from everyday business cards.

07. Make it useful

This business card designed by Emily Berry converts into a handy chair that can hold your phone upright on a desk

One of the problems with paper is that it s everywhere. Some people hold on to every bit of paper they receive, while others are far more ruthless and recycle at the first opportunity. To avoid the risk of being recycled, make your business card work as more than simply a calling card.

This card was designed by Jamie Wieck and includes a seed that sprouts after a few days of soaking

Some of the most memorable designs incorporate function as well as form. Examples include business card that act as a holder for hair clips or turn into a miniature armchair for your mobile.

08. Make your own

Breakfast Creatives cut up old cereal boxes to form their own, brand-relevant business card design. Credit: http://breakfastcreatives.co.uk

If you re feeling creative, why not make your own business cards? You can find letterpress kits on eBay at reasonable prices, allowing you to convert any card stock into your own business card with ease. This is a time-consuming but very satisfying way of expressing yourself in a card!

09. Recycle old cards

These cards were made by hand out of business cards, christmas cards and screenprints that went wrong. Credit: http://designbyif.co.uk

Old business cards, postcards or packaging can be repurposed and given a new life as your business card. Recycling is both environmentally sound and can allow you to express your creativity in new and exciting ways. There are some fantastic examples on the web to get your creative juices flowing. The process can be as simple as getting some stickers printed, or as complex as hand-illustrating over the top of each old card to suit the recipient.

10. Double-check your artwork

This tip applies to every bit of print work you do, but it s so crucial it s worth repeating. When sending your artwork off to the print shop, make sure you ve double-checked every single detail. There s nothing worse than getting back your cards and discovering you missed a typo in the email address or name. Check twice, print once is a a well learnt adage!

Liked this? Read these!

Have you got any tips for designing effective business cards? Let us know in the comments below.



How To Start An Online Business – The Ultimate Guide To Making

#start online business

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How to start a successful online business

PASSION IS NOT ENOUGH.

How do I get started?

Repeat after me:
PASSION IS NOT ENOUGH

Most “experts” teach you that once you find your passion, you’ll magically become wealthy.

I don’t have to tell you that this plan is missing a few vital steps, such as an actual plan. Before you invest your time and energy creating an online product, ask yourself these questions:

  • How do I know which idea will be most profitable?
  • Will people actually pay?
  • How do I bring in traffic and buyers?
  • What can I do to set my business on autopilot, so it runs on systems instead of on my (limited) time?

Step 2

Solve the right problem (it’s probably not what you’d expect)

I asked readers, “What excites you about starting an online business?” Over 1,000 readers responded with ME-FOCUSED responses about what they wanted from an online business.

OK, we all want something for our work, whether it’s extra money, more free time, or the ability to be our own boss and give ourselves vacation days when the weather’s nice.

But what about your customers?

Nobody will ever give you money to solve your problems. but they’ll love you and happily pay you if you help them solve theirs. And by focusing on them, you’ll immediately stand out in a sea of online businesses that are only looking out for themselves.

What would happen if you said, “I’m really good at helping my friends with their relationship problems. I don’t want to just help people 1-on-1…I want to help THOUSANDS of people.” Or “I love helping people get in shape. I want to help as many people get fit as possible.”

It’s a huge psychological shift.

Once you’ve identified something you believe in, you need to know what idea people will pay for, how much to charge, and how to sell it without being sleazy.

It starts with figuring out what kind of online business you want.

Which online business ideas work best?

When you’re starting an online business, it’s easy to get overwhelmed by tactical minutiae. Should you create software, a physical product, a coaching system, or something else? How do you choose the right software, create your website, figure out drop shipping, and accept payments?

But when you drop what doesn’t work I spent years figuring this part out you’re left with 6 main options for an online business. I’ve systematically tried them ALL over almost a decade, and I’ll let you know exactly which ones are good and bad.

Your 6 options for starting an online business are software (including apps), physical products, ads, affiliate marketing, coaching, and online courses. And they aren’t all created equal.

Coaching is the single-best way to start learning business skills.

Many people don’t even think they can launch an online business. Then hold themselves back by saying things like, “I’m not an expert at personal finance, finding a dream job, or [fill in the blank].”

“I don’t know anything people would pay for!”

Are you sure? Unless you’ve actually tested your idea, the answer is “no.”

“But Ramit, my idea’s too weird/dumb! Nobody would ever pay to learn about it.”

I used to think that, too, until I discovered how many other weird people are out there. Here are just 3 profitable courses I’ve seen in the past year:

  • Toilet Trained Cat. Train cats to use the toilet. Revenue from books and courses.
  • Hear and Play. Learn to play piano by ear, without sheet music or years of lessons. Revenue from courses.
  • The Ultimate Disney World Savings Guide. Vacation at Disney World for half price. Revenue from ebooks.

Do these seem like ideas for normal, successful products? Of course not. These people simply found something they’re good at, then tested the market to see if other people were willing to pay for their knowledge.



How to Make Business Brochures That Stand Out #business #development #jobs


#business brochures

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How to Make Business Brochures That Stand Out

Once you’ve created great business cards. it’s time to make brochures to show off your company. Brochures let you showcase your business–your products or services and your purpose. They hold more information than do business cards, so you can include additional contact information. Instead of including only your usual social media handles for Twitter and Facebook, for instance, consider adding a link to your Yelp page.

The industry standard for brochure design is either QuarkXPress 9 or Adobe InDesign–both of which cost hundreds of dollars. Luckily, you don’t need these programs to design professional-looking brochures .

Microsoft Word, while not ideal for desktop publishing, will work if you’ve got the right template. Don’t rely on Word’s preloaded templates–Microsoft’s Office website has over 80 free brochure and booklet templates for both Word and Publisher. You can find additional free Word brochure templates on HP’s website for small and medium-size businesses.

Mac users can design attractive brochures in Apple’s iWork Pages. Pages features basic templates, but additional free iWork templates can be found on the iWork Templates Blog and on iWork Community .

Looking for a desktop publishing program? Try PagePlus Starter Edition. which is free and features master pages, column flow, and the ability to move and lock text boxes and images. The full version of PagePlus has more options and costs $100.

Brother’s CreativeCenter website lets you design a trifold brochure for free. If you’d rather stay online, MyCreativeShop is an online brochure-maker with hundreds of customizable brochure designs. The site has two-panel and three-panel brochure designs, as well as 4-, 8-, and 12-page booklet templates. Each design template costs $69, but you can try out a design for free before you purchase it.

HP’s Marketsplash also offers brochure designs–over 250. in fact–that you can customize using HP’s online tool. Epson’s CreativeZone has a number of free downloadable trifold brochure templates, as does Brother’s CreativeCenter .

If you decide to print brochures yourself, it’s best to have a printer that supports two-sided (duplex) printing, such as the HP Officejet 6000 Wireless. The decision to print on your own will mostly depend on how many brochures you want to print. If you’re printing over a hundred brochures, you may want to consider outsourcing because many print shops will include folding or assembly.

To find out if your printer supports duplex printing, go to the the Printer Properties menu and look for an option that says something like “Two-sided (Duplex) Printing” or “Print on both sides.” If you can’t find such an option in the menu, your printer doesn’t support duplexing, or you may need to download additional drivers. Because brochures are always two-sided, automatic duplex printing will save you the hassle of having to flip over each sheet manually.

Automatic duplexing works best with 16-pound to 28-pound paper, but can work with paper that has a basis weight of up to 32 pounds .

A printer that handles double-sided printing, like the HP Officejet 6000, is the best bet for brochure-making. You can outsource brochure printing to an online print shop such as Vistaprint. Vistaprint starts at $290 for 500 brochures, and that price includes full color on both sides. Additional features will cost you just a little extra: $4 if you want to upload a photo or design, $1.50 for a map, and $1.50 if you want a PDF version as well (prices are subject to change, of course).

Some of the more well-known printing companies are considerably more expensive: FedEx Kinko’s starts at $1.03 per brochure (based on an order of 1500), though that price includes double-sided printing in full color, as well as folding.

Make Essential Business Print Materials

How to Make Business Brochures That.



How Much Can You Make with an ATM #short #term #business #loans


#atm machine business

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How Much Can an ATM Machine Make

How much you can earn in the ATM Business depends on where the ATM is located and if it is needed. The main thing to remember about the ATM Business is that it’s just like real estate. Location, Location, Location.

ATM’s can be installed anywhere in the USA. Inside or outside any retail merchant location including but not limited to Restaurants, liquor stores, convenience stores, fast food restaurants, quick service restaurants, casual dining, bars, night clubs, train stations, football or baseball stadiums, concert venues, adult themed locations, Hotels, Hospitals, Condo complexes, Apartment Complex, High Rise Apartment Buildings, coffee carts, mobile events, mounted in trailers, mounted on the back of food trucks, you name it. Anywhere people need access to cash, an ATM can make you a passive income .

If you answer yes to any of these questions, Get our new book The Amazing Money Machine on Amazon now.

  • I m a retail merchant looking to increase profits.
  • I m an entrepreneur looking for a new business opportunity.
  • I m an investor looking to diversify and maximize annual returns.
  • I already operate an ATM Business and I want to put more money in my pocket.
  • I m an individual looking to make some passive income and would like information about the ATM Business.
  • I m an individual, business owner, or part of a group that has locations that need ATMs.

How much can an ATM make?

Well, It’s all about foot traffic, a reason to need money, and other available payment methods. Sometimes just having a lot of people walk by or see the ATM can mean the difference between a good

The ATM Industry has a “rule of thumb” formula that many Independent ATM Deployers “IADs” use as a general rule to determine if a location would be a good candidate for an ATM machine. There are two different schools of thought on this rule, and obviously since there are many unknown variables, no location is a guarantee using these formulas but it’s better than a WAG (wild ass guess).

    • The first rule of thumb, or formula says that 3 – 5% of people that actually see an ATM machine in an establishment will likely use the ATM. Say for example, your location has an average of 200 customers visiting each day. One would expect, or speculate that approximately 8 of those 200 people would use that ATM daily.
        • You could then take those 8 people, multiply it by the amount of surcharge, then take that figure and multiply it by the number of days of business (how many day’s the location is open) in the year. This will give an ATM owner, or perspective owner, an estimate on how much revenue could be generated from the machine in a year’s time.
        • However, most ATM business owners want to calculate monthly revenue and income.
    • The 2nd rule of thumb follows the norm that the number of adult patrons an establishment has in a given day, that same number plus or minus 10% will use the ATM on a monthly basis. I prefer this rule of thumb and if the establishment accepts credit cards or gives cash back at the point of sale (POS), the lower end of the rule would apply and it might even reduce the number by as much as 20% – 40%.
    • A similar formula is used for hotels or big commercial buildings. With hotels, we take the number of rooms, times the occupancy rate and apply the same plus or minus 10% rule. So if the hotel has 150 rooms with an 80% occupancy rate one might expect 110 – 135 monthly transactions, however if the hotel has any events or banquet rooms, that number would scale higher during those times.
        • Similarly with commercial buildings (office building for example) you might take the total number of employees working in the building and using the yearly formula based on how many days a year the companies occupying the building are open. If there is a cafe or for profit cafeteria in the building the estimates would be higher.

Think about it this way. Some of the best locations are where there is a high need for cash and no credit cards are accepted. Swap meets, events, and street fairs, are all great but very temporary. That would be a mobile ATM business which we can also show you how to operate.

We’ll try to boil this down and make it simple. At the very least, if you’re a retail merchant, and you don’t already own an ATM, you could purchase the hardware from anyone (even from us) and once you set up the ATM processing it should at least pay for itself in as little as a few months.

You’ll also need a communication method so the ATM can talk to our processing center. You can choose from a dedicated standard phone line (but since it calls a toll free or local number you’ll just have the cost of the line, no tolls), Internet Service (if you have a high speed model or DLS with a router, you can hard-wire the ATM to your current internet), or you can choose our wireless cellular service which is often less expensive than a phone line and lightening fast.

With the advent of VoIP and certain devices if you have a computer close to the ATM you could potentially use a Magic Jack or other device as long as the ATM can hear a dial tone or pre-dial to get a tone (like dialing a 9, although not as reliable, it would still work). However, intermittent communications can cause more problems that they save you. If there is an issue with communications, transactions could be slow or worse they could be interrupted and customers would not receive money from the ATM getting upset.

If you have a fast internet connection and you purchase one of the new ATMs which includes internet processing, or get a separate wireless device ATMDepot can handle the rest for you. In order of ranking communications as far as ease, cost, and reliability.

    • Wireless Device is preferred and is the most reliable.
    • Next would be your own Internet service with a hard wire to the ATM Machine.
    • Lastly, a standard Dial up Phone line, but this method causes the most communication issues.

If you don’t have an ATM or are considering getting into the ATM business to earn some extra cash or a passive income, you just need to be sure that a minimum of at least 3 – 4 people per day would use the ATM every day (if available 7 days per week).

Obviously if you’re a retailer and are open 10 hours a day that’s just one person using the ATM every few hours. If you’re considering a through the wall machine that faces outside it will be available 24 hours a day but those machines need at least 8 – 10 people per day to make financial sense.

If you already have an ATM or are already in the ATM business and are looking to switch your ATM processing services (you need to check your current ATM agreement for termination clause) you could take advantage of our higher revenue sharing without any costs to you and put more money in your pocket.
If you don’t have an ATM, you can review our ATM Machine equipment options or call us for advice.

Let’s say for example you purchase the new Hyosung Halo. You can install it yourself, but we recommend you let us arrange to have a professional install it and train your staff. This ATM can use wireless communications technology which is under $20/mo so no phone line is required.

We also have a Triton ATM for under $2,500 and carry the full line of Hantle and Genmega ATMs. You will probably invest between $2,250 – $3,500 in good ATM machine by the time you’re done with professional installation, signs, or anything else extra you may want for your ATM Business.



How to Become a Dog Walker – Wacky Hounds, brightening up your

#dog walking business

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How to start a dog walking business.

Become a professional Dog Walker – The ultimate dog walking job – Dog walker opportunity

This short guide has been written with a view to explaining what is required to start up a professional dog walking business. It should give you a good idea about what you need to consider in your pursuit of becoming a full time Dog Walker. This guide is designed to give you an idea as to what is involved in starting up a professional dog walking business to run on a commercial full time basis. There are many adverts out there offering “dog walking jobs” but there is no need to look for employment as a dog walker or indeed to apply for dog walking jobs, when you can run your very own successful dog walking business.

There are many people, many dog loving people, who are in jobs that they dislike and would give their right arm for an opportunity to make a successful career in some form of dog care. Imagine keeping fit whilst being out in the fresh air and countryside. Could you think of a better way to make a living than keeping fit in the fresh air, whilst working with loads of different dogs every day? The list below will give you a good idea about how to become a self employed dog walker, so that you don’t have to apply for so called “dog walking jobs” or “dog walking opportunities”.

When starting a dog walking/pet sitting business, there is a lot of things to take into consideration:

Business Insurance – You will need quality business insurance which should include the likes of Public Liability, Care Custody & Control/Animal Liability, Professional Indemnity, Equipment Insurance, Personal Accident Cover, Vet Fees Extension, Loss of Key Cover, Glass Cover & Holiday Emergency Cover.

A professionally equipped van – For the transportation of dogs, your van should be professionally kitted out in the inside, be fitted with a moisture extraction system and your livery should be undertaken by professional Sign Writers.

Van Insurance – Suitable cover for a self-employed Dog Walker.

Relevant Local Council Licences – Depending on your local authority, there may be a variety of licences which you must hold, if you wish to operate as a Dog Walker in your local parks or you plan to offer dog home boarding services.

DBS/Disclosure Scotland – Undertake relevant police checks to inspire confidence in your future clients and to demonstrate trustworthiness.

Website – A modern, vibrant website is a must to convey professionalism and to allow prospective clients to find you easily.

Dog Walking/Boarding/Sitting – There is a variety of services that you can offer.

Branding/Trademark – In order to distinguish yourself from your peers, a great deal of thought should go into your brand and the protection of it.

Stationery – Your stationery should be consistent with your brand, and cover the likes of business cards, letterheads & envelopes.

Marketing – It is important to keep your advertising costs to a minimum when starting up any business, yet vital to find clients. Keeping your overheads as low as possible yet effective is advised.

Registration Forms – You will need an easily managed system to sign up new clients and will need well designed forms to cover the likes of Information Form, Terms and Conditions, Veterinary Authorisation, Walking Off the Lead and Customer Satisfaction Surveys.

Cover Letters – Easily edited to cover a wide range of scenarios, to save on administration time.

Charging Structure – The importance of this cannot be understated as there is a fine line between competitiveness and profitability.

Uniform – In accordance with your brand, you must be seen to be smart and professional at all times.

Key Management – It is extremely important that your key management systems are infallible.

Rota Management – In order to run an efficient operation, good time-management is essential.

Accounts – Not only is there a legal requirement for tax purposes, but tidy book keeping will save you a lot of time and expense.

Filing – You should have a tidy and appropriate system in place that complies with all relevant data protection rules and regulations.

Equipment – The types of equipment that you will need on a day to day business will include; Leads, Couplers, nail clippers, tick-removers, waterproof camera and phone, good boots and waterproof trousers and jacket.

Branded Dog I.D tags – Essential that all of your dogs wear these on every walk.

Training – It is not easy to take out a group of dogs for an hour’s walk. The practicalities of being a Dog Walker are far reaching, and you need to consider things like: basic group formation, collection of dogs, positioning of dogs in van, safe release of dogs from van, your walks, photo and video taking, using a dog whistle, potential hazards, safely getting your dogs back in the van and a suitable procedure for returning your dogs. With all of this in mind, you should undertake suitable before commencing with commercial dog walking.

Clients – Last but not least, you need to build and look after your client bank.

As you can see with this brief guide to becoming a dog walker, there is a lot of things to give consideration to. It may seem like a lot, but starting up a professional dog walking service requires a lot of planning.If, however, you would like the backing and help from an already successful and established dog walking company, then please take a look at our franchise page and download a free copy of our prospectus. Also, why not pop in to say hello to us on our facebook page, we won’t bite!

Have a Wacky day!

Join us at Wacky Hounds



How to get a business loan, options & requirements #business #banners


#getting a business loan

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Apply for a business loan

On this page

  • Choosing a loan you need
  • Improve your loan approval chances
  • Risk assessment

How to get a business loan

When applying for a business loan, it’s essential to prepare a detailed business plan and fully inform the lender about your proposed venture. This information helps the lender to provide you with the right type of finance and advice.

Decisions to make

Deciding that your business needs a loan is only the first step. There are a number of things to consider before you approach a lender; how much do you need to borrow; what type of loan will you need; how long will you need it for; can the business afford to repay the loan, interest and any one-off or ongoing fees that come with the loan; what security can you offer the lender and how this affects the interest rate offered.

Find and compare loan options for your business with the Infochoice Small business loan tool.

Online repayment calculators are a good tool in researching options but make sure you take the following into account:

Access to funds you borrow

If you need to access the funds on a semi regular basis (i.e. to help with cash flow to keep the business operating while waiting for your customers to pay for goods etc.), ‘at call’ loans such as an overdraft or line of credit are designed for this purpose. However, if you need the funds to buy a new business or equipment etc. to expand your existing business you will need the funds ‘upfront’. This is also known as a ‘fully drawn advance’ and provides you with the entire loan amount all at once.

Loan terms

Loans provided upfront will need a portion of the loan plus interest paid back at regular intervals. The repayment amount will depend on the term or length of the loan. To determine the loan term suitable for your business you will need to calculate how much you can afford to service the loan. Be aware that the longer the loan term the more total interest you will pay. Loans that are at call have no fixed terms.

Ongoing funding

This is the average amount of an overdraft or line of credit that is used at any one time. E.g. You may wish to have an overdraft limit of $20,000 to provide money for the occasional big expense, but usually you won’t use more than $5000 of that credit limit on average. So in this case $5,000 is the level of ongoing funding you need.

When applying for an overdraft limit, things to watch out for are:

  • higher the overdraft amount higher the fees
  • clauses where the lender can demand repayment of the whole loan at any time.

Fixed or variable interest rate

The choice of rate will affect the stability of repayments, overall cost of the loan and the loan features available. With a fixed rate loan the lender bears the risk of interest rate moves, while with a variable rate you will bear this risk. Ultimately, the choice of variable or fixed rates will depend upon how much free cash flow your business generates after you have paid all your expenses, including loan repayments. If your business has a low profit level, a variable rate loan repayment may rise beyond your ability to pay.

Loan security

Loans can be secured or unsecured by various types of assets, including residential, commercial, rural property or business assets. Alternatively, some loans are unsecured by any asset. Generally the less you provide for security the higher the interest rate will be. Be aware the lender has the legal right to seize any property or asset you offer as security if you can’t repay a loan on time.

Fees

There can be fees which can make a loan less attractive than it first seems. These include one-off fees such as establishment/application fees, exit/discharge fees and early termination fees or regular fees such as service fees or line/credit advance fees. The Business Loan Finder tool includes the cost of set-up and ongoing fees in the average monthly repayment to give you a better idea of the true cost of the loan.

Seek advice

The information provided here will provide you with a range of possible finance options. It is important to seek advice from your accountant or business advisers before approaching a lender for a loan.

Tip: Use our below Cashflow forecasting template to plan your cash flow and work out how much you need to lend.

Plan the business, plan the finance

Lenders will ask for a lot of in-depth information about the financial history of the business. It’s also important for you to create a convincing and detailed business plan which should include a profit and loss budget and cash flow forecast. The information you use to build your business plan may also be needed by the lender to assess your project. This includes both the past and future plans for your business, the people working in it and the market itself.

The outcome of your application is strongly influenced by how well your proposal is researched and how well it is presented.

Risk assessment

Banks and other lenders will look at your businesses risk profile when considering your loan application. Understanding what lenders look for and what they consider risky will help you present your business in a favourable manner.

As a general rule, lenders look for:

  • the level and nature of your security (what you’re offering to give them if you can’t repay the loan)
  • your ability to make regular loan repayments (cash flow risk)
  • your ability to ultimately repay the debt (business risk), including any other debts you might already have.

You need to be able to assess the level of cash flow or business risk in your specific circumstances. A projection of the cash requirements of the business is most important to a lender, as it is the actual cash left after expenses that will repay the loan, not income. It also shows you are an effective manager.

A lender’s perception of risk

The following factors can influence your lender’s perception of risk. If a number of these areas apply to you and your business you may need to consider another source of finance.

  • start up businesses incorporate financial, business and management risk
  • lack of security
  • lack of business history
  • industry sector, factors will include levels of competition, barriers to entry, profitability profile and current economic conditions
  • highly seasonal businesses e.g. suimsuits, agriculture. You’ll need to demonstrate how you’ll deal with cash flow pressures in the off season
  • lack of planning, market knowledge and finance skills
  • poor credit history.

Watch out! Before entering into a payment arrangement with the Tax Office, businesses should discuss this with their current or future lenders. Many businesses are unaware that entering into a payment arrangement with the Tax Office or other government agencies may adversely affect their current and future financing arrangements. For instance, a lender may not lend to a business if it is currently in a payment arrangement.

For more details visit the Guide to managing your tax debt on the ATO website.

What’s next?

Handy tools



How to Get Cheap (Or Free) Business Cards #discount #business #cards


#business cards cheap

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Best sources for cheap business cards

You hear it time and time again: networking, networking, networking. It s the professional crux that most fall into as we transition further into the digital age and begin to rely increasingly more on social networking sites and quasi-professional job boards like LinkedIn and Monster to create our connections. And while they may be fantastic online resources, they don t carry the same weight in the offline professional world as a good, old-fashioned business card.

Fortunately, there are plenty of cheap alternatives for creating, customizing and printing high-quality business cards should your company refuse to print them or if you simply want more control of what your card says about you. After all, a top-notch business card often leaves a lasting impression — good or bad — well after handshakes and highballs have subsided.

Here are our picks for the best sources for cheap business cards so you can stop sweating bullets like Christian Bale in American Psycho and rest assured that your card ranks among the best.

In a way, VistaPrint is one of the pioneers of the business card world. The company made a name for itself a few years back by offering ultra-cheap printing in modest-size batches (250-500 cards) and a free 250-card run for first-time users looking to try out the printing service (shipping costs still apply). The site is easy to navigate, whether browsing free or premium business cards, and boasts thousands of premade designs in addition to the fully-customizable templates that let you add various levels of personalization (i.e. name, photo, contact info, etc.).

The service doesn t offer the highest quality available — what you pay for is typically what you get — and the cards are thinner and somewhat smaller than your traditional business card. However, VistaPrint is still a great option if you don t mind dealing with less-than-ideal construction and a watermark on the back in lieu of an expensive price tag. Premium card runs start at $10, but keep an eye out for the various ongoing promotions and specials throughout the week.

Just because business cards are an age-old tradition, doesn t mean they can t thrive in a digital realm. The popular card-creating site Moo boasts everything from traditional business and mini cards to free cards tailored specifically for your Facebook and About.me profiles. Hell, they even added a third side to business cards with an embedded NFC chips that activates various functions when touched to a smartphone or other NFC-capable device. Like other sites on our list, Moo offers a wealth of elegant designs and premade layouts housed within the site s Web-based app, providing business cards that can be tweaked and refined for a more personal touch.

A pack of 50 double-sided business cards starts at $20, but the thick cardstock and lavish ink look and feel phenomenal. Plus, Moo will send you a free 10-card sampler and allow you to customize your entire run of cards individually, meaning you can place a different image or design element on every card instead of opting for an entire 200-card run of the same, custom build. They don t come cheap, but they re worthwhile given the great quality and decent price point.

There are probably plenty of indie printing companies in the United States, but Canada is likely a different story. Jukebox, although not the cheapest on our roundup, takes customization and sheer design tenacity to the next level through its abundant variety of cardstock types — from traditional and embossed business cards to more obscure mediums such as wood and cotton. The site hosts an easy-to-use business card creator brimming with pre-built design templates, but you can always opt to start from scratch if you want greater control over the background image and overall design aesthetics.

Specialty business cards such as wood and cotton start in the triple digits when it comes to pricing, but you re standard pack of 500 or 1,000 business cards are competitively priced at an upwards of $60 or $70. The print quality is impressive as well, rigid and accurate, and the company doesn t completely scalp you on international delivery despite its Canadian roots. JukeBox is the way to go if you re looking for a moderately priced pack of business cards that stand out from the pack.

OvernightPrints is the Swiss army knife of online printing services, offering affordable options and quick delivery for all manner of printed products. They may specialize in brochures and announcements, but they also tout a wide selection of cardstock, designs and custom finishes accessible through the built-in wizard. Like most printing services, you can always upload your own creation, but the site does host an number of elegant, premade patterns for those of us who are less crafty or quickly need a set of business cards in a pinch.

OvernightPrints is also one of the few services capable of processing small batch runs of less than 100. You can order card runs between 50 and 5,000, with a meager 50-card run costing a mere $4.15 with free UV finishing, and the site is always hosting on-going sales for customers who subscribe to the mailing list or have the patience to wait for an applicable price reduction on a particular style. The cards are weighty and of higher-quality than the similarly-priced VistaPrint, but they re not superbly crafted either. OvernightPrints is a knockout when it comes to price-quality comparison though, especially if you manage to catch a promotion or just need a few cards to hold you over in a pinch.

Looking to stockpile an abundance of no-frills business cards that ditch the designer chic in favor of something more simple? GotPrint keeps it as basic as it gets, whether uploading your own composition or utilizing the site s barebones templates, and features several card stock options in varying sizes and styles. There are a few special shapes if you prefer to add a touch of pizzazz and uniqueness to your card, such as ovals and rounded rectangles, but they will drastically increase the printing costs and require you to manually upload your personalized design in lieu of using the built-in web app.

Aside from its simplicity, GotPrint is know for its quick turnaround and rock-bottom pricing. A standard 500-card run begins at around $50 and features great quality printing for the price, with stiff card stock and excellent inking, but it s not quite as nice as Moo or some of the more expensive services on our roundup. Although the customer service has been known to give clients the run around when issues arise, the pricing and moderate choice selection still make it a great source for cheap business cards.

Honorable mentions

There s never enough room on our best-of roundups to include each and every service worth mentioning. Below are a few of the runner ups that offer fairly solid business cards for an affordable price. They might not be as speedy or convenient as your local brick-and-mortar print shop, nor do they offer the kind of stellar quality of our top five, but they re still not a bad choice given the price.

What did you think of our choices for the best sources for cheap business cards? Which service do use for all your professional printing needs? Let us know in the comments below.

Also watch: Best Movies on Hulu



How to Create a Facebook Business Page in 5 Simple Steps Tutorial

#business pages

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How to Create a Facebook Business Page in 5 Simple Steps [Tutorial]

It’s no longer a “good idea” for most businesses to be on Facebook. With 829 million people actively using Facebook every day, it’s become a go-to component of almost any inbound marketing strategy.

Thing is, as more and more Facebook features change, so does the process of setting up a Page.

Don’t waste another day poking around aimlessly on Facebook, trying to figure out what the heck to do to get your Facebook Page up and running like a social networking pro.

The following presentation provides a visual tutorial to help you get your Page up in no time (you can also read the transcription below). Over 600,000 have found this tutorial helpful, hopefully it proves beneficial for you or a marketer you know, too.

How To Create a Facebook Business Page

Step 1: Choose a Classification.

To begin, navigate to https://www.facebook.com/pages/create.php . This page will showcase six different classifications to choose from:

  1. Local Business or Place
  2. Company, Organization, or Institution
  3. Brand or Product
  4. Artist, Band, or Public Figure
  5. Entertainment
  6. Cause or Community

Each of these classifications provides more relevant fields for your desired Page.

For this tutorial, we’ll select the second option: company, organization, or institution. After selecting our desired classification, we’ll be asked for an official name for our Business Page. I recommend carefully selecting your name. Although Facebook allows you to change your name and URL once. it’s a difficult and tedious process.

Step 2: Complete Basic Information.

Facebook should automatically walk you through the following four basic sections to complete the fundamental aspects of your Page.

Finish “About” Section

The “about” section will serve as the main 2-3 sentence description for your company. It will be on your main page, so make it descriptive but succinct. Be sure to include a link to your company website as well. Also ensure that this information differentiates your brand, making your page even more appealing to potential followers.

This is also where you can select your unique domain (that, as mentioned above, can only be changed once). For example, the Sidekick by HubSpot Facebook Page employs the URL facebook.com/getsidekick.

Upload Profile Picture

Next you’ll be asked to upload a picture. This will serve as the main visual icon of your page, appearing in search results and alongside any comments you publish. While any perfectly square image will work, the recommended size is 180 x 180 pixels.

Add to Favorites

Every individual Facebook user has a vertical navigation bar to the left of their News Feed. You can add your Business Page as a “Favorite” item here — similar to bookmarking a web page in your web browser — for easy access.

Reach More People

Facebook will prompt you to create an advertisement to draw attention to your Page. Whether employing paid tactics is a part of your strategy or not, I recommend avoiding starting any ads at this stage — there’s no compelling content on the Page yet that would convince them to ultimately “Like” your page.

Step 3: Understand the Admin Panel.

The basic skeleton of your Business Page is now live. Facebook will ask if you’d like to “Like” your Page. Again, I recommend avoid doing so at the moment. This activity will appear in News Feeds of those you’re connected to personally to on Facebook. Without any content on the Page, we want to save that organic Timeline story for when you’re really ready for people to view the Page.

In the top navigation, you’ll see an option for “Settings.” Click that. Along the left side, a vertical navigation bar with different sections should appear. We’ll focus on three core ones now:

  • Page Info: This is where you can add additional details about your business. This section will also unveil different fields based on the classification you chose in Step 1.
  • Notifications. This section allows you to customize when and how you’d like to receive Page alerts. Set a frequency that fits your social media marketing schedule.
  • Page Roles. Whether or not you’ll be the main manager of the Page, there may be others at your organization who need access to your Facebook Page. Here, you can invite other colleagues to make changes to your Pages. Some common use cases here include:
    • A public relations manager who needs to respond to any delicate questions.
    • A support representative who can assist those asking technical questions.
    • A designer tasked with uploading new photo creative to the Page.

Step 4: Populate Page With Content.

Now it’s time to actually publish content to your Page and then invite users to be a part of your growing community. Let’s start with the basic content needed to get your Page kicking.

Posts

The rest of your Page will populate over time as you publish more updates. Facebook currently provides six different posting options:

  1. Plain text status
  2. Photo with caption
  3. Link with caption
  4. Video with caption
  5. Event page
  6. Location check-in

When posting on your page, just be sure to use a variety of content. What images would your audience like to see? What stats would they like to read? What links would they like to click? You can also click the little grey arrow in the top-right corner of each post and then click “Pin to Top” to move one of your posts to the top of your Page’s Timeline for seven days. Use this feature for product announcements, business anniversaries, and other major events pertinent to your brand.

If you want to dive deeper into Facebook posting best practices, check out this blog post.

Cover Photo

This is the large, horizontal image that spans the top of your Facebook Page. Typically, this is a branded image to help attract people to your Page. The official photo dimensions are 851 x 315 pixels. To help you create these cover photos, we have free PowerPoint templates here pre-sized for the right dimensions.

Now that there’s content on the Page, we can start strategically inviting users to Like it. I recommend inviting users in the following cadence:

  • First, invite colleagues to Like your page and its content to build some initial activity.
  • Second, invite supporters in your network. Encourage them to engage.
  • Third, invite customers. With some activity now on the Page, they’ll be more interested.

With content published and users invited, you can go to the “Activity” tab in your Page’s top navigation to monitor how people are engaging with your Page and content.

Step 5: Measure Your Growth.

Finally, we need to measure our efforts to ensure we’re making valuable marketing decisions on Facebook. Fortunately, Facebook has embedded in some decently helpful metrics for us to take advantage of. Simply click the “Insights” option in the top navigation to see the following:

  • Overview. This tab shows a 7-day snapshot of your metrics such as Page Likes, post reach, and overall engagement.
  • Likes. This tab shows your overall fan growth and losses. If you’re employing paid efforts, you’ll be able to see the breakdown of paid versus organic growth.
  • Reach. This tab highlights the raw number of people your Page is reaching every day. If you notice spikes on a specific day, try cross-checking what you posted that day to see if you can replicate that reach.
  • Visits. This tab indicates where on Facebook your viewers are coming from. You can see the difference in visits on Facebook Timelines, your information tab, reviews, and others.

And if you really want to spend time perfecting your Facebook content strategy, watch this brief tutorial on how to analyze exactly that .

And voila! You have a Facebook business page. Now go post interesting content and amass a loyal base of fans!

Want to see how HubSpot uses Facebook? Like our Facebook Page here .

Editor’s note: This post was originally published in 2010, and it’s since been completely updated for accuracy and comprehensiveness.



Startup firm – How to build money fast #buy #a #business


#business start up

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Startup firm

Start-Up Companies Logos

Small Business Startup Loan

Are you tired working for others after being a successful Architecture.

See who you know at Start Up IT Firm, leverage your professional network, and get hired.We help to fund great companies, great ideas and great people.

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Business Startup Ideas

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Starting Business

Laguna Ventures LLC (LVL) combines creative and strategic chemistries that result in extraordinary business planning.

Starting a law firm is a difficult venture, especially for contingency fee attorneys.The entrepreneur might have a great idea and clear idea of how to turn it into.

Creating Image for Business Startup

This article is constantly updated to reflect new rules and processes of Starting Business in India.

Startup How to Make Money the Way

Whether you are starting an online business or a brick-and-mortar model, figuring out how to start a business, at its most basic, means finding a market need and then.

创业者想要成功,那就选择做“对的”事情,并将.

START-UP NY offers new and expanding businesses the opportunity to operate tax-free for 10 years on or near eligible university or college.Start the Right New Business for You.

Startup Company Infographic

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Business Start Up Companies

Business Start Up