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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.



Create Invoices, Estimates – Orders with Express Invoice #business #yellow #pages


#free business software

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Express Invoice Invoicing Software

Easy invoicing software to manage and track your billing on Mac or Windows.

  • Create invoices, quotes and orders quickly
  • Automate recurring invoices and templates
  • Easily add multiple users and enable remote access

Express Invoice lets you create invoices you can print, email or fax directly to clients for faster payment. The reporting functionality allows you to keep track of payments, overdue accounts, sales team performance and more.

Streamline your billing process and support multiple tax rates for multiple businesses—all with secure mobile access to iPhone and Android devices. Compatible with Windows and Mac, Express Invoice is available for download today.

Get it Free. A free version is available for home users or businesses with fewer than 5 staff members. Download the free version here. which does not expire and includes most of the professional version features.

Invoicing Software Features
  • Easily create invoices, quotes and orders
  • Customize invoices including logo, heading text, notes and more
  • Save or send invoices as PDF files
  • Email or fax directly from the application
  • Schedule recurring invoices
  • Automatically send statements to customers with overdue payments
  • Supports multiple tax rates for countries where required (e.g. Canada)
  • Supports invoicing for multiple businesses
  • Web access lets multiple users within the organization log in securely via the internal network or the internet
  • Secure, mobile access through the web interface (e.g. iPhone, Android)
  • Sync between your home computer, mobile phone, tablet or any device with the Express Invoice app
  • Reporting includes accounting, salesperson performance, unpaid invoices and more
  • Integrates with Inventoria to maintain inventory data across all aspects of your business

* The iPad and Android apps do not have the web access feature, instead install the desktop version for remote access and log in remotely using the Internet browser on mobile devices.

Invoice Software

Related Software

Invoice Program System Requirements
  • Windows XP/Vista/7/8/8.1/10
  • Works on 64 bit Windows
  • For earlier versions see Win 98 and Win 2000
  • Mac OS X 10.4 or higher
  • iPad version runs on iOS 3.2 or higher
  • Android version runs on 2.3.3 or higher
Download Invoice Software
Join Over 1.6 Million Users

“I have a small, freelance writing business and sometimes projects string out and I have to track my time and eventually send the invoice. I can do all that with this program, plus it will send bulk emails and print all the unpaid invoices when I want them or show me reports for a fast business overview. It does everything I need it to and turns out a nice, professional product.”

– JB, Small Business Owner

Purchase Express Invoice
  • Purchase Express Invoice online here


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.



Get online with Business Web Hosting – BT Business #business #stationery


#business web hosting

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Cookies are small text files that are stored on your computer when visiting some websites. We use cookies to make our website easier for you to use. You can remove any cookies already stored on your computer, but this may prevent you from using parts or our website.

Select an option below to control the cookies types used on bt.com or find out more about cookies .

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BT Web Hosting



Small Business Ideas for Women at Home: Working with Realities #stock #markets

#small business ideas for women

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Small Business Ideas for Women at Home: Working with Realities

Small business ideas for women at home are driven by two realities.

The first reality is the constraint of obligations at home. Whether by the choice or duty to care for others (e.g. children), most women staying at home do not have very flexible work availability when it comes to time and location.

This does not even necessarily mean these women need to work less hard and fewer hours; they just need to do it on their own time and at their own location, said Eva Rosenberg, owner of www.irsexams.com and www.taxmama.com .

Most small businesses started by these women, therefore, are Internet-based, which affords them the flexibility in time and location.

One route women at home can take is starting Web sites or blogs and monetizing the incoming Web traffic through online advertising (e.g. Google AdSense) and affiliate marketing.

Another route is to set up Web sites to sell their own products or services.

To get started and achieve success, Rosenberg suggested attending reputable conferences and reading helpful guides. One trusted resource for online entrepreneurs is Ken Evoy’s www.SiteSell.com. which still offers this helpful free eBook. said Rosenberg.

The second reality is that women at home often have more to offer than some of them may think.

Many of these women have hobbies and expertise that can translate into successful small businesses. By staying at home, they may also be extremely familiar with the needs of running a household.

Moreover, many women find success by building on top of their husbands’ existing careers.

Jacqueline Freeman, for example, set up www.equinenaturalmovement.com to market her husband’s horse training expertise, according to Rosenberg.

Rosenberg started www.TaxMama.com to dispense tax advice and www.irsexams.com to teach courses on passing the Enrolled Agent (EA) IRS Exams.

Shari Fitzpatrick. with “only a $1,500 cash advance and a passion for chocolate-dipped strawberries,” managed to build her home-based small business into a multi-million dollar empire. (Today, her brick and mortar operations have shut down but one of her online operations, which she sold to Provide Commerce, still exists).

“They key is to follow their passions,” said Rosenberg.

READ ALSO:Small Business Plan: A Template for Making Sales

READ ALSO: Small Business Exporting Advice: Crucial First Steps

READ ALSO:Small Business Culture: How to Build a Winning Team

READ ALSO:Small Business Exporting Advice on Foreign Operations

READ ALSO:Small Business Marketing Ideas, Tips from a Top Expert

READ ALSO:Small Business Survival: Overcoming the Recession and More

READ ALSO:Managing a Small Business: How to Inspire Employee Loyalty

READ ALSO:Small Business Loans: How They Work and What You Should Know

READ ALSO:Small Business Accounting: Tips, Tricks and Advice from TaxMama

READ ALSO:Small Business Strategic Planning: a Process for Success and Survival



Business Development Jobs: Search Charity Business Development Jobs with Third Sector Jobs

#business development jobs

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Charity Business Development Jobs

Sign up for job alerts Get new jobs for this search by email

Found 43 jobs

Search apply for the latest business development jobs with Third Sector Jobs. Here at Third Sector Jobs we specialise in a large variety of jobs within charity including business development jobs in the UK, business development manager jobs, business development director jobs and many more. Whether you are looking for the latest vacancy or have a job within charity to fill, Third Sector Jobs is here for you.

Leeds, West Yorkshire c£70,000 + benefits Sue Ryder Wheatfield’s Hospice

Sue Ryder is a large and complex charity delivering over 3 million hours of care in the UK each year from our community services and 12 care centre.

Oxford, Oxfordshire Salary between £38,000 and £50,000 per annum Corpus Christi College

To mark this important moment in its history it has embarked on a major fundraising campaign and a year-long events programme,

Cardiff (Caerdydd) £56,104 – £69,168 per annum Velindre NHS Trust

A unique and exciting opportunity has arisen for a Charity Director to lead the Velindre NHS Trust Charity.

Crawley, West Sussex NN5a-b £27,432.00 – £29,592.00 pa pro-rata St Catherine’s Hospice

We are currently seeking an experienced fundraiser to be responsible for developing and increasing support for St Catherine s

London £39000 – £43000 Per Annum + benefits British Heart Foundation

we will develop an increasingly donor-centric approach to our fundraising in order to engage donors maximise income

Brighton, East Sussex, South East England £19,602 – £21,236 per annum CHM

Our client is seeking an enthusiastic, well-organised, persuasive individual to join their regional fundraising team in Brighton, South East England.

London based £28,848 to £32,967per annum CHM

The Development Officers will be key members of the health and social care teams at this children’s charity, working with colleagues to develop and.

Regional Office in Brighton, with regular travel throughout Sussex, Surrey and Kent £22,073 – £23,912 per annum CHM

Are you a super-focused sales leader who gets a real buzz from seeing your team smash their targets? Lead inspire a team of face-to-face fundraisers

Friends House, Euston, NW1 £45,983 per annum Quakers

Britain Yearly Meeting seeks a talented and committed individual to become our Meeting Donor Relations Leader.

Cowes, Isle of Wight up to £45,000 pa CHM

Our client is a youth charity that uses the power of the sea to transform the lives of thousands of young people each year, funded in part by being.

London (Greater) c £40,000 Independent Age

This post will line manage a small team providing effective and efficient support to ensure projects and services are delivered to agreed targets

Norfolk, Suffolk, Cambridgeshire, Essex, Hertfordshire, Bedfordshire or Lincolnshire. £22,073 – £23,912 per annum CHM

Are you a super-focused sales leader who gets a real buzz from seeing your team smash their targets? Lead inspire a team of face-to-face fundraisers

Cowes, Isle of Wight Up to £60,000 pa CHM

Our client is a youth charity that uses the power of the sea to transform the lives of thousands of young people each year, funded in part by being.

Manchester £29.4k per year + Excellent Benefits Anderson Wright Consulting

Enterprise Adviser sought by our client to make a positive difference to local communities. Our client is an award winning provider of social housi.

London £40000.00 – £50000.00 per annum Prospectus

Our client is an award-winning, international non-profit organisation whose work is at the forefront of ambitious climate action.

London £65000.00 – £75000.00 per annum Prospectus

Our client is an award-winning, international non-profit organisation whose work is at the forefront of ambitious climate action.

London £40000 – £42000 per annum Robertson Bell

Robertson Bell Fundraising are now recruiting for a Head of New Business for their national charity client.

Aylesbury, Buckinghamshire Freelance hourly rate dependent on experience | 15-18 hours a week Stoke Mandeville Spinal Research

An exciting opportunity to develop long-term business and community partnerships through SMSR s unique Wheels at Work campaign and other initiatives.

Cleeve, Bristol £18,691 – £21,989 per annum, pro rata CHM

This is an exciting opportunity to promote, lead, facilitate and develop projects within the charity’s Environment Centre. You will be responsible.

Oxfordshire and surrounding areas £17,276 – £18,715 per annum CHM

Do you care about the UK s wildlife, have a genuine desire to help save nature and the ability to smash your individual and team targets?

Sign up for job alerts Get new jobs for this search by email



Looking for Stable Business Ideas? Here Are 12 Types of Companies With

#cash flow business

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Looking for Stable Business Ideas? Here Are 12 Types of Companies With Healthy Cash Flow.

Data Featured Lists Editor

November 24, 2014

Land subdivision and funeral businesses may not be the sexiest small-business ideas when compared to, let s say, a web startup or a local coffee shop. But private companies in these fields tend to have the healthiest cash flow, according to new data from Sageworks. a Raleigh, N.C.-based financial data company.

For entrepreneurs seeking new ventures. businesses with a track record of stability and solvency may be a good place to start. Sageworks used highest average current ratios to generate a ranking of 12 business types with healthy cash flow for the year ending Aug. 31, 2014. [See list below.]

Cash flow is a leading indicator of financial strength because if a company has sufficient cash on hand, it will likely meet its short-term obligations — like accounts receivables and employee salaries — on time.

Sageworks analyst Jenna Weaver says the businesses listed have the ability to pay their bills and they tend to, on average, have positive cash flow. She adds that while these businesses aren t necessarily fun or flashy, understanding why certain industries or business models are more inclined toward solvency than others is useful for any entrepreneur.

Following land subdivision and death-care services, this year s ranking also includes grocery stores, real-estate businesses, clothing stores, liquor stores, gas stations, dry cleaning and laundry services, specialty-food stores, employment services, health and personal care stores, and investigation and security services.

Land-subdivision companies divide land into plots to make selling the property easier. Weaver explains that its top ranking may reflect the strong real estate/construction market recovery since 2009.

The rest of the results show themes: half of the list represented the retail sector. While giants like Walmart are known to operate with a low current ratio because of their ability to turn inventory quickly into cash, small private retailers may have difficulty predicting consumer behavior and may therefore stockpile inventory to meet any unexpected consumer demand. Weaver explains that the ability for these smaller establishments to then turn these inventory levels into receivables, and receivables into cash plays a big role. Also, she says a third of the industries on the list are service-related businesses, which usually have lower or no inventory needs.

While every industry operates on different business cycles and models, entrepreneurs brainstorming on stable business ideas should always keep solvency in mind.

Often, when businesses fail, they fail because of their inability to manage these ratios and generate positive cash flow, Weaver says.

It s important to note that a current ratio that is too high is not always ideal. A company wants to keep enough cash or liquid assets available to be able to meet its short term debts, but it doesn t want to sit on too much cash or inventory, so that its assets are still being productive for the business.



New Business Ideas with low investment in India #start #business


#low investment business ideas

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Business Ideas with Low Investment in India

There is a familiar belief that starting a business needs a huge amount of investment. This is not the case for every type of business. You can run businesses with low investment, even from your home. India is a land of many opportunities. You can start a business in India with a nominal amount of investment and grow your business. Given below are some profitable small business ideas, with low investment, in India.

List of Best Low Investment Business in India

Home canteen

Running a home canteen is an excellent idea for a business with low investment. You can cook different types of tasty food and supply them to offices, factories, and other customers. Of late, the business of cooking and food supplying has garnered significant popularity and it is a profitable small-scale business. The success of your home canteen will depend on providing quality food and giving timely service.

Dance Instructor

You can work as a dance instructor and this does not require a whole lot of money. You can open your own school or work as a freelance dance instructor. Since dance forms an integral part of Indian culture, many parents like their kids to learn dance from a very early age. Therefore, there are plenty of opportunities for a dance instructor to earn both fame and money.

Fashion designing

You can work as a fashion designer and start your business venture with a low investment. For this, you will need to undergo a full time or part time course on fashion designing. Start with traditional Indian clothes since they are the most sought-after outfits at the present time.

Data Entry jobs

Data entry jobs do not ask for a big amount of investment. If you have a computer at home and Internet connection, you will get a host of data entry jobs by sitting at your home. Data entry jobs are outsourced to freelancers and other organizations so it is not so difficult to grab a project. However, you should remember that you have to finish the task within a certain time period. Filling up forms online is a popular example of data entry jobs on the Internet.

Affiliate Marketing

Affiliate marketing is the method of merchandising the goods and services of another organization on their behalf. Here you work as the affiliate of that organization. Whenever you sell a product, you will be entitled for a commission. The amount of commission will depend on your agreement with the company whose products you are selling.

Web Development

Like other small investment businesses, starting a web development company is possible without a huge amount of investment. If you are familiar with web development processes, you can start a business on your own with a PC with Internet connection and software. Once your business reaches a sizable scale, you can employ a few web development professionals who can run your business adeptly. The most difficult part of this business is getting projects. You have to obtain projects constantly for sustaining your business.

Home Made chocolates

Making chocolates in your home is a moneymaking business. You just have to get the ingredients that are essential to make chocolates at home. After preparing the chocolates, pack them with fancy wrappers to add creativity and make them more attractive.

Event management

Event management is a cost-effective business option for people who are interested in organizing different types of events and functions.

Wedding consultant

Weddings are big events in India and take a lot of time. You can work as a wedding consultant to make things simpler and manage them for people who just don’t have the time to do it for themselves.

Industry/factory tour planner

You can open a business for an industry/factory tour planner with a small amount of investment. Start an agency which will conduct industry or factory trips. Hire a small number of people who are experienced in the job of factory tour guides. Look for contracts from companies that are looking for industry/factory tour planners. This will take some time in the initial stages. However, when the contracts keep flowing in, you will start making money gradually.

First aid instructor

If you have sufficient knowledge regarding first aid, you can start working as a first aid instructor. There are abundant opportunities for first aid instructors in schools, colleges and various educational institutes. You can work either as a full time or part time first aid instructor. Purchasing a first aid box is necessary for this business.

Art and crafts

You can open an arts and crafts stall. Though this type of a business venture requires some more investment than the so-called low investment business options, it is definitely a lucrative venture. There are many people in India who are ardent art and handicraft collectors and they constantly look for these items. They can pay any price for their favorite item. So, think about opening an art and crafts shop right away. You can get a bank loan for this business venture from various financial services providers and banking institutions in India.

Daycare Center

Daycare Center is an excellent business choice which necessitates a trivial amount of investment. The most attractive part of this business is that you can do it from your house. In addition, there is no requirement to make a huge investment on infrastructure. The things you have to purchase include books, toys, and games for the kids. The other things are there in your home. Nonetheless, you might have to redesign your home as per the requirements of the kids. A number of safety measures need to be adopted such as keeping electrical devices in a place which is inaccessible to the kids and meshing the veranda.

Consultation

Consultation is a good business choice to start with a nominal amount of investment. You can work as a financial consultant or a real estate consultant if you have the requisite qualifications and expertise. As a financial consultant, you can guide people on doing the right investment at the right time. As a real estate consultant, you can help people in buying and selling of real estate. Other types of consultancies such as architectural and home design consultancies are gaining popularity.

Child Care

Running a child care unit is also a lucrative business option. However, you have to ensure that you have got the infrastructure and facilities to run a child care center at your home. Remember that you have to be extensively trained in first aid to run a child care center.

BPO

BPO or business process outsourcing is a profitable business in India. Under this process, the responsibilities and functions are contracted to a third party. You will find lots of outsourcing jobs on the web. If you have a PC at home with Internet connection, you can turn it into a home-based business by procuring BPO jobs. Some of the popular BPO jobs include medical transcription and data entry jobs.

Bookkeeping

You can run bookkeeping or accounting business from your home. If you are well acquainted with bookkeeping, accounting processes, and accounting standards, you can look for bookkeeping jobs that can be done from your residence. You need a computer with Internet connection and some accounting software packages that you need to install in your PC.

Mobile repairing

The mobile repairing business is also a moneymaking business. Since mobile phones have become an integral part of our day to day life, servicing and repairing mobile is essential whenever a problem occurs. You have to hire experts who have the understanding of the ins and outs of mobile and cellular phones.

Computer repairing

Similar to mobile repairing, computer repairing can help you make money. You can run this business from your home. Knowledge of computer hardware and kits for servicing computers are the necessary resources for this business.

Which Business is Good to Start in India



Small Business Bureau signs MoU with 12 groups to train entrepreneurs –

#small business bureau

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Small Business Bureau signs MoU with 12 groups to train entrepreneurs

Twelve private training institutions have signed Memoranda of Understanding (MoU) with the Small Business Bureau (SBB) to train entrepreneurs.

GINA said this is being facilitated through the Micro and Small Enterprise Development programme (MSED).

The MoU will allow these institutions to train young entrepreneurs, who have benefitted from cash grants and loans through the SBB, in managing their own small businesses, GINA added.

Minister of Business and Tourism, Dominic Gaskin and his Permanent Secretary, Rajdai Jagernauth (GINA photo)

The institutions which will facilitate the training are the Ruimveldt Life Improvement Centre, Generation Next, Roadside Baptist Church Skills Training Centre, Partners of the Americas, Kuru Kuru Co-operative College, Action Coach Guyana, Guyana School of Agriculture, EMPRETEC, Cerulean Inc, the Critchlow Labour College, Management Options and Interweave Solutions.

Minister of Business and Tourism, Dominic Gaskin encouraged the trainers to utilise modern technologies which would make the training relevant to the contemporary business environment.

GINA said that the MSED programme which began in 2013 has trained more than 1,000 young entrepreneurs who accessed small loans and grants through the SBB.

Officer in Charge of the bureau, Gillian Edwards-Griffith said, “We have done to date 193 grants, $300,000 each, and in terms of loans with financial partners, we have three, of which two are active giving a total of 63 loans”.

The MSED programme will be evaluated by an independent body to give the SBB a fair idea of the successes prior to the second phase of the training.

Funding will be evenly disbursed among the training institutions, GINA added.

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  • Partnership Agreement Template, Form, with Sample #magnetic #business #cards


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    Learn more about Partnership Agreement

    Partnership Agreement Basics

    Ready to kick off a successful and satisfying new business partnership? You’ll want to use a Partnership Agreement between yourself and the other business partner or partners. Its terms define how the business partnership will be conducted, making it an important foundational document for running your new business.

    Use a Partnership Agreement if:

    • You are ready to form a Partnership and you want to define the business terms of the Partnership.

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    Sample Partnership Agreement

    More than just a template, our step-by-step interview process makes it easy to create a Partnership Agreement

    Save, sign, print, and download your document when you are done.

    Other names for a Partnership Agreement:

    General Partnership Agreement, Business Partnership Agreement, Partnership Contract, Create Partnership

    Partnership Agreement Overview:

    Clear communication and a solid legal foundation helps get your business off to the right start. Whether you’re going into business with a friend or business colleague, you’ll want to define all the ins-and-outs of how you’ll run the partnership. A Partnership Agreement allows your business to prepare for common business scenarios, plan how a partner may leave, or how to handle disproportionate partnership contributions. Everyday misunderstandings between partners are also easily avoided by setting out clear business expectations in a Partnership Agreement. Other terms can cover interest, profits, contributions, buy-out options, and dissolution.

    Information needed for creating a Partnership Agreement:

    You’ll need to have some information at the ready to create your Partnership Agreement, but most of it you probably know off hand. We’ll guide you through the process with our step-by-step process so all you’ll have to do is answer a few simple questions. Here are some of the key provisions in a Partnership Agreement:

    • Partnership name. This will be the legal name of your partnership.
    • Business address. This is the physical address for the partnership. If there is none or only a post office box, then choose the address for one of the partners.
    • Names of Partners .
    • Effective date of agreement. This is the date that the partnership will begin. The date should be shortly after the Partnership Agreement is signed by all the partners.
    • Primary purpose of partnership. For example, to purchase and lease out residential real estate.
    • Voting requirements for partnership decisions. Generally, there are three options, including:
      • all partners have equal voting rights regardless of ownership percentage (meaning each partner has one vote);
      • all decisions require a majority vote with voting rights based on ownership percentage; or,
      • all decisions require unanimous vote.
    • Specify how costs will be shared among the partners. Typically this is according to ownership percentage. However, costs may also be assigned by percentages to each partner.
    • Specify how profits will be shared among the partners. Typically this is according to ownership percentage. However, profits may also be assigned by percentages to each partner.
    • Specify which partners will have authority to sign checks from the partnership account.
    • For each partner. specify how much (in specific amount) partner will contribute to partnership.
    • Specify deadline for partners to make contributions to partnership (specific date).
    • Specify who will maintain accounting of profits made by partnership. Typically, this is an accountant or one of the partners. This may be an accounting firm or a person.
    • Specify how often partnership finances will be audited. The choices include every six (6) months, once per year or upon majority vote of partners.
    • Specify the type of contribution account the partnership will maintain. This is the contribution account that will be used for all monies the partners give to the partnership. Each partner may have their own individual contribution account. Or, the partnership may have one large contribution account.
    • Specify type of accounting records partnership will maintain. This will be either cash basis or accrual basis.
    • Specify the partnership’s fiscal year-end. Will be last day of month chosen.
    • If partner withdraws from partnership. specify number of days the partnership, as an entity, will have to buy the withdrawn shares.
    • If partner withdraws from partnership and partnership chooses not to buy withdrawn shares. specify number of days partners will have to buy withdrawn shares. Please note, that if withdrawn shares are not purchased by the end of this period, the partnership will be dissolved.
    • Specify type of vote required to dissolve partnership. This may be unanimous, by a majority, single partner vote or some other method.

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    If you have any questions about what’s right for you and your business, we can connect you with a lawyer for quick answers or a document review.