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Types of Business Funding

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Starting your own business is exciting and challenging. Unless you have a large personal savings, or are independently wealthy, chances are you will need to secure funding for your business. There are several options for you ranging from business loans, venture capital, government grants, tax credits, to personal credit cards. We'll look at each of these in greater detail to assist you in determining the best source of funding for your business.

Depending on the nature of your business you might consider a grant. A grant is usually partial funding for a business that you will only need to pay a portion or none back to the lender. Grants are provided to individuals and businesses by the government, regional development agencies, the European Union, business link, chambers of commerce, universities and even charities. Certain industries or locations that are in need of revitalization, businesses that focus on research and development, inventors, farming, and others are all eligible for grants. Typically there are terms to the grant that you must adhere to in order to keep the fund and / or not repay the money.

Venture capital is another common form of business funding. This type of funding is done by companies, trusts, or individuals, also called 'Angel Investors', that provide money, start up capital, or loans to businesses as investments. Often its is given to existing companies that are doing well that seek to expand and have a clear business plan with a long term growth potential for both the business and the investor. Often times the venture capital trust or firm will buy out 25-55% of the business. "Seed money" is also provided by venture capitalists, usually with the investor accepting a higher risk with a potential for higher yield.

Another form of business funding is tax credits granted by the government that act as an incentive to companies to stimulate economic growth in various industries. These include businesses that focus on energy efficiency, research and development, and agriculture.

If used wisely, personal credit cards can be used to fund your business. The drawback to using this type of funding is if you are not able to manage your debt it will affect your credit rating. Should you decide to use your credit card, it is recommended that they are used for non-essential business items, not for operating expenses or major purchases like a car or equipment and they are paid off each month.

Business loans are one the most common forms of funding for start up capital, to help expand your existing business, or sometimes to refinance debt. The type of business loan to apply for depends on what your needs are. Small businesses can seek funding with a small business loan and many are available for specific industries. Although not all small businesses will be turned away by banks, most banks prefer larger or well-established businesses. If you are a small business or a start up, you will need to have excellent documentation, a business plan, and sometimes contractual (such as home equity) to secure a loan from a bank. Business loans are also available for small amounts, called "micro" loans for economic development for a certain geographical areas and for specific industries.

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Source by Matthew Edels

Old School Body Hacks

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Primal Training Functional Fitness

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Do You Invest or Spend Time?

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Time is a commodity. It has incredible value. Most individuals do not understand how to "invest" time, and rather "spend" it. Sometimes spending it foolishly without even knowing the consequence.

One of my Mentors asked one day "Do you cut your grass?" I said "Yes, every Saturday". Thus began the lesson. I was saving $ 5.00 an hour, by doing the work myself. When I could be using that time, for making money, improving my knowledge, or more productive activities. Every time we spend time, there is a cost. An opportunity cost. We could be doing more productive behavior. Trading a less valuable activity for a more valuable activity.

As you become more and more valuable. As your time become more valuable. You will find it is the things you stop doing, will give you more time. One of my mentors stopped driven. Why? Because the hour in the back of the limo, with someone else driving was more productive, than the hour he would drive himself. Can you imagine Bill Gates, making his own flight arrangements, cleaning the house, cutting the grass? What a waste of his time. And YOURS!

For example, if you do these activities, you may be wasting (spending time):

  • Cut your grass. What could you do with that 3 hours?
  • Listen to music or news in the car, while going to work. Listen to motivation or education. Improve your mind in the car!
  • Driving. Get a driver. Work during that time.
  • Laundry. Get someone else to do it. Would not you rather be playing tennis?
  • Watch TV. Ouch. The real dream stealer.
  • Sleep. Very over rated.
  • Cleaning. Employee some folks.
  • Lounging. OK. I get the rest thing. But napping on a Saturday afternoon, or blowing away 3 hours on a Sunday morning doing nothing? No wonder you are not living your dreams.
  • Facebook. Once and awhile. Not all day long.
  • Answering the phone and text. Who is in control? You or the phone?

Now some of you are going "NO WAY". I have to answer the phone. I have to do the laundry. Really? If someone else did the laundry, could you use that time to look at real estate? To build a web site? To spend an hour with a loved one and build your relationships? All time has opportunity costs. Most Americans waste on average 3 hours a day on very un-productive activities.

Now many folks will say, well I can not afford to pay someone else to do those "necessary" activities. That is the challenge. You have to change your behavior before, the result or the money comes. Not after. Making your time more valuable first. Adopting the behaviors of success and wealth before you actually see the results. Becoming more value with each minute. Investing each minute in success and wealth behavior …. First.

You must take control. Take control of the interruptions to wealth, health, and happiness. Even the phone controls behaviors. It rings, or a text happens, and immediately we stop doing what we are doing, and get distracted. Working someone else's agenda not ours. Now I am not saying becoming a monk. But I am saying, do not be a slave to the phone. Be the master. Sometimes block time. For example. I do not check my phone first thing in the morning. If I do, I would be working the phones agenda, not mine. Usually, I block the am for me. To be productive. To schedule phone meetings. To write. To prospect. To make money. At 11am I check my phone, and respond. Therefore I have gotten a few hours of uninterrupted time done, before the phone takes control. Between 11-1pm, phone calls and text. Then back to BLOCK time, form 1-3: 30pm or so. Then answer emails and text again. So I do respond, but on my time. I know I am going to get 4-6 hours of productive behavior. BLOCK time is a key to success.

In the average home there are 2 major dream suckers. The TV and couch. Both steal dreams. Limit time in front of the TV. Dedicated some of that time for learning or learning. The couch, is another matter. Go there after a hard day of work, and you can be there all night. Here are a couple of suggestions to destroy the dream kills (TV and Couch):

  • Limit the amount of TV per day to 2 hours.
  • Select the programs you want to watch vs the ones you just watch (flipping through stations).
  • Put the remote away from the couch. Out of reach, across the room.
  • Do not go to the couch or lounge chair directly when you get home, instead go; work out, listen to motivational audios, read, work on the Internet for an hour. Schedule a positive activity.
  • Put the sleep time on the TV. 90 minutes it goes off. Makes you think about whether you need to watch more.
  • Do not go home. Drop by Starbucks (or some someplace else), and work for an hour on an Internet web site (before you go home). Drive a neighborhood looking at homes (if you are interested in real estate investing) before dinner.
  • When you look at the couch, think about how much it looks like a coffin. It has the same shape and dimensions. Would you crawl into the coffin?

Learn to invest time wisely and profits, success, and happiness, are sure to be yours in just a few minutes.

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Source by Jim J Francis

Hot Metabolism – Increase your metabolism to burn fat.

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Student Health Insurance – International Options For Students

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Congratulations! You finally got the scholarship you applied for at the University of London. In two months' time, you will be jetting off to another continent, to study fashion under the wing of one of the largest names in the industry.

Naturally, in the excuse that followed, you never thought of student health insurance. International students rarely do – before they get sick, anyway. Once they're face to face with the terrible reality of illness, they regret that they've been so careless about health coverage.

Why wait for this to happen to you? If you do not have a student health insurance with international coverage yet, here are two very good reasons to start shopping around for one.

1. You want to protect yourself from uncertainty. You may be stronger than an ox now or even just borderline healthy. Still, no one knows what would happen in the future. You could fall ill weeks after your arrival. There are no guarantees that you will not meet an accident or catch the flue while abroad.

You may protest, "But my parents have insurance and it covers me!" How are you? Moreover, even if you already have some form of coverage, this is most likely minimal at best. Furthermore, policies are generally not specifically intended for traveling students. Unlike student health insurance, international holidays and extended stands are likely to be items of exclusion in whatever policy your parents have.

2. You want to plan your life ahead. Planning your finances should begin even before you get your first real job. You do not want to start your adult life swamped with a huge medical bill to pay off, on top of your student loans.

Do not get caught unawares. As you go about planning your trip, request for quotes from various providers of student health insurance. International students should consider getting them combined medical and travel insurance coverage. Then, and only then, can you consider yourself a responsible adult with an eye out for his or her own well-being.

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Source by John S. Willard