Small Business Start-up financing

If you are seriously looking to start your own business, you will need money-a lot of it.  Your most important expense categories are Market Research, Overhead, Equipment, and Inventory, in that order.

Market research is the process of learning about your target group.  You may well know plenty about your target group, as in the case of a licensed cosmetologist opening a cosmeceutical boutique.  We all have (perceptions and biases, and market research will keep yours from interfering with your business’ success, and your cash flow.

“Overhead” is the cost of doing business.  Examples of overhead are renting/buying your workspace, storage area, monthly expenses such as electricity and phone service, salaries of employees, any permits or inspection fees, uniforms and marketing expenses.  Some business plans include equipment costs in their overhead expenses.

Equipment is your tools of the trade; what you will use to produce your service or product.   Ovens and mixers, laser machines, candle and soap molds and supplies, and printing and engraving machines are examples.  If you will be operating a retail storefront, display cases and racks would be your operating equipment.

Inventory is your stock on hand, your supply of whatever you’re selling, or your ingredients to create your product or service, such as tattoo removal supplies.

You will need to decide how much cash you need and how to obtain that cash.  This is critical, because as many as 80% of new businesses fail within the first two years, and 50% within 5 years, because of insufficient cash.

Financing for your customers? This is often a great way to introduce more cash into your business. There are many people who would be your customers if they had the money to purchase from you. This is where consumer financing comes into play.

In addition to the above expenses, there are other aspects that also need to be included in your business plan.  Determine how long it will take your business to become profitable, then double it .  If your predictions turn out to be accurate, then you can save the extra for rainy days.  There will be unexpected expenses, so invest the excess in a Money Market account where it may grow until you need it.

It may be tempting to buy equipment at cut-rate prices, until it wears out after a year.  Go ahead and borrow enough to purchase equipment, overhead, and supplies that will help you to grow and succeed.

Don’t expand your staff until it’s critical.

Once you know how much start-up cash you will need, chances are you will have to borrow it.  If you have access to personal start-up money, be prepared to lose it-at least until your business become profitable.

There are the traditional options of borrowing from a bank, borrowing from family, and recruiting investors. The United States Small Business Administration has information on these methods, and the newer, less traditional methods of financing such as microloans, PayPal Working Capital, and cryptocurrency.

Microloans are typically for less than $35,000 and are short-term.  In 2009, there were over 1,100 microfinance  institutions serving more than 74 million borrowers.

PayPal Working Capital:  PayPal will provide loans between $5,000 and $60,000.   The approval process for PayPal Working Capital is based on your business plan and your PayPal account history, not your credit rating.  PayPal Working Capital currently has more than 152 active accounts, and repayment is based on a fixed percentage of total monthly sales.  This is especially beneficial during start-up or slow periods.

Cryptocurrency refers to Bitcoin, Litecoin, and all other digital currency. Digital Currencies have no transfer fees and a much faster transfer rate than cash.  Since Bitcoins are steadily gaining acceptance, consider purchasing part of your business startup with Bitcoins or another cryptocurrency, which won’t be subject to the same official regulations as cash.

Small Business Start-up financing

Affordable health insurance

Affordable health insurance is a major concern for many citizens. Rates continue to rise and constant changes within the insurance landscape make it hard to find a reliable and affordable provider. While this is a serious issue there are ways for people to soften the blow. Individuals who want to save money and keep the costs down on their health insurance should try to implement some steps that will reduce their rates. People looking to save money should eat healthy, exercise, and make sure to get a good night’s sleep so that they are well rested. Each of these activities is simple to do, yet they can save thousands of dollars and improve the individual’s overall quality of life.

Eating healthy is one of the easiest ways for an individual to save money on health insurance. It is simple to do and has numerous other benefits as well. The average household in the United States of America spends over $2,668 a year on fast food and eating out. Cooking and preparing healthy meals can be done for a fraction of this cost. Even people who are on the go can easily invest in a home smoothie maker or blender and begin making nutritious meals. Eating well and staying healthy will reflect positively on physicals and help to reduce insurance premiums.

In addition to eating healthy people should make it a point to exercise. Exercising is surprisingly easy to do and can help individuals to lose weight and improve their general health. When most people think about exercise, they envision weight lifting or strenuous activity. The idea of having to go to the gym for hours a day is unappealing to them. It seems like something that would consume tremendous amounts of time and money. In reality, exercising can be done in a very simple and cost effective manner. People who want to lose weight can go for walks, do calisthenics at home, or practice a sport. Even just going for a 30 minute walk after work can greatly improve one’s health. All of these are inexpensive to do and can help to reduce insurance costs due to the individual’s healthy lifestyle.

On top of eating right and working out it is important for people to get a good night’s rest. Sleeping is important because it helps the body reset and allows people to recover from a long day. Sleep deprivation can also cause serious health problems. Individuals looking to stay healthy and reduce the cost of their health insurance should make sure to be well rested from plenty of sleep.

By adhering to a few basic principles, individuals can improve their own quality of life and simultaneously reduce the cost of their insurance. Taking simple precautions can make a world of difference. Eating right, exercising with regularity, and getting enough sleep are all easy solutions to better health and lower insurance prices. People who want to seriously reduce the cost of their health insurance should try to start with these basic activities. Each one of them is easy to implement, yet it can yield incredible discounts.

Affordable health insurance

What is in the news?

Ebola virus is running rampant in West Africa, it is believed to be caused by wild animals more specifically the fruit bat, that has come into contact with a human through the blood or bodily fluids of said infected animal, typically through the consumption of undercooked bush meat.  It is then spread from human to human through bodily fluid contact. However, there is some speculation that it has been released into the population intentionally by the CIA, or even has been transmitted via tainted vaccinations, or perhaps it was created to cover for “cannibalistic rituals”. There are even some in Liberia who do not believe that the disease exists, that it is all made up by the government to cover for the killing of nationalists and of third world populations.

The speculations really all start with how the virus was created. There are some that believe it was created in a lab as biological warfare. Dr. Horowitz, renowned for his work as an international public health authority, has a theory that during the 1960s hundreds of ailments were created in United States labs, by mixing viral genes from animals. Of these ailments AIDS and Ebola were produced.  The government wanted a way to stave off populations in lesser countries, to control the growth of those that are sick and starving.  Another theory is it was invented by accident in a lab, and subsequently a researcher was tainted with it and carried it into the general population without knowledge. When all is said and done fear and ignorance is what will increase the spread of the virus.

In other news, gold price manipulation is real banks are believed to be fixing gold prices over the past decade. Andrew Maguire blew the whistle on the practice back in April 2013, when he went on CBC and spoke of the trade between banks, the moving of silver and gold.  Essentially a group of five banks met twice a day and would well fix the price of gold in London. It is believed to have begun in 1919, but was never brought to public knowledge.  Deutsche Bank announced earlier this year they would be stepping down from their gold fixing seat, hoping to sell it to someone else. No one was interested and thus in April they bowed out. Around the same time Deutsche Bank also resigned from their spot on the silver fix, in doing so silver fixing will cease this year in August.  There is speculation that Deutsche Banks was receiving pressure from the German financial regulator to relinquish their seat at both fixing tables. Fast forward a few weeks, and the UK’s FSA is fining Barclays Bank a hefty sum for manipulating the gold prices. If you follow along with the current gold markets, it has been relatively quiet in recent months. Those left at the fixer’s table know they are being eyed and are afraid

A great place to find some financing for your customers

What is in the news?

Personal blog of a book and reading fanatic. Blog reviews books and websites and provides tips on how to blog

Maybe you’ve been blogging for a long time, and wonder if there is a way to turn your hobby into a source of income. Or perhaps you’re looking to earn extra cash working from home. Regardless of your motivation, it is possible to earn money through blogging. Blogging probably won’t be a gold mine for you, but here are some tips to maximize your chances of earning income from your blog.

First, consider your competition. One study counted more than 180 million blogs in America. The vast majority of these bloggers are not becoming wealthy in the process. Chances are, you are not the first to blog about your chosen topic. You will need to work to create quality content and promote your blog to readers and advertisers if you want to stand out among the competition.

Don’t expect to earn money from your blog overnight. If you are between jobs or having financial trouble, don’t put all of your energy into blogging. Instead, search for jobs that can provide more immediate and stable income while you develop your blog platform.

Look for ways to build traffic to your blog. Follow blogs with similar themes and topics, and comment regularly on other posts. Try finding a popular blog that accepts guest posts, and write an article there. Or, invite a popular blog author to write a guest piece on your site. Either way, having a link to your blog from a high-traffic site will help increase your readership.

Make sure you are posting regular, quality content on your blog. Choose a topic that you know well, and write about things that will provide value to your readers. You want your readers to follow your blog and visit it regularly, which they will be less likely to do if your postings are sporadic or filled with errors.

Most bloggers who earn money are doing so by selling advertising space on their blog. There are a variety of companies to work with for this, the most popular being Google AdSense and Amazon Associates. It is fairly easy to set up advertising on your site, but you will need readers to start earning money. Most ads pay bloggers at a set cost per thousand readers. Today, the rate is usually $2 to $3 per ad per thousand views.

If you have very high readership on your blog, you may do well by selling advertising space. Remember, however, that there are also costs. You will have to pay a commission on the ads, as well as fees for internet hosting, and taxes on any income you earn.

Finally, remember that blogging can be challenging. Even though you will have the freedom to set your own hours and work from home, maintaining your blog will be time-consuming. You will also need to consider the time you will spend reading other blogs, commenting, and asserting your presence within the blogging community. If you are committed to creating a top-quality blog, you may start to see results.

Personal blog of a book and reading fanatic. Blog reviews books and websites and provides tips on how to blog

Facts about Consumer Financing



There are several websites that can help you with any financing issues and problems so make sure to take full advantage of them. There are several websites online which you can try out as well, it’s all up to you to choose which one would have the best option for you. You need to make sure that you are aware of all aspects concerning finance and all related issues. Make sure you fully take advantage of the bank since it has a lot of options on solutions which you could possibly choose from.


All you need to do is research about this type of information since there are so many sources which you can take advantage of. When it has to do with these types of problems, you need to make sure that you have all the right solutions. You will have to face more problems every day when you don’t have financial plans from prepared. There would be nothing to worry about when you have all the needed details to help you become more financially stable.


You have to manage your finances with the information you know is best for you. Make sure that you have enough money for all your financial ventures. You need to know that there are tons of options available for you to choose from. You would certainly be able to make better investments in the future when you have these sort of plans. With these options, you will definitely be able to make money in the most efficient way. You must make wise decisions as much as possible when you go banking. You need to proceed in the smart way, armed with the necessary information.


You don’t have to worry about anything else since there are actually various consumer financing calculators online. The ideal thing about them is that you won’t have to pay money to use them at all. You will surely be able to assist your families in the best way you know how. You just need to manage your money well, you don’t necessarily have to be rich to do it. Make sure all your online options are open because that would offer you lots of possibilities in the future. When it has to do with such matters, you need to make sure that you have all the right information. There is no need to be rich when you have all the right information when it comes to your finances. You need to observe all the ideal calculations when it has to do with these things. Debts have to be managed in the best possible way as well. You have to have the best financial plans for yourself if you want the best future.


There is nothing to worry about once you have all the ideal sources when it has to do with financial planning. You may visit the video at to gain more idea.

Facts about Consumer Financing