Posted by admin on May 19th, 2017

Home | Search | Register | Sign in Funding Needed Looking To Invest Business Ideas Need an Expert Resources All About Angel Investors All About Venture Capitalists Business Funding Resources Small Business Funding Startup Capital Needs Business Plans & Proposals Entrepreneur – New Business Essential Components Of Business Plans Viewed: 64256 Times Business plans have a well defined form that shouldn’t be changed by anyone. Business plans include several elements that shouldn’t be modified, because otherwise they won’t have the expected results. When you want to write your business plan remember to stick to its original form. Those that will read it will expect to see a certain format. In the case that they won’t notice the elemental components then they won’t take your plan into consideration even if you’ve presented a great idea. The business plans have five fundamental components: the executive summary section, the business section, the market analysis section, the financing section, and the management section. The executive summary section is the first section in all business plans. Those business plans with a good executive summary will have greater chances to be successful. The audience will be convinced to read the whole business plan if you’ll come with an excellent executive summary. For successful business plans the executive summary is very important. All business plans should include in this section the nature of your new venture and the need you want to satisfy. Also, describe your potential market and why is your product or service needed. Don’t forget to describe how is your business organized, your management team, and include a briefly summary of your marketing plan. Also, remember that the audience wants to see the amount of capital that you need, your sales expectations and how are you expecting to pay back the debt. If the audience is pleased by what you have written till now then they will continue reading the whole plan. But if you couldn’t capture their attention then they will reject your plan no matter how good is your idea. The business section of business plans should include the legal name, physical address and full description of the nature of the business. Firstly, keep in mind that business plans should contain a general terminology. Those that read the plan don’t necessarily have the same level of knowledge like those that write the plan. Also, you should try to explain why your idea is better than that of your competitors. The market analysis section helps you understand better the market on which you want to enter. This section is more like a marketing plan description. All business plans should include in the market analysis section the estimated demand of the product or service, the market target, the industry’s trends, the pricing plan that you will follow and the description of the company’s policies. In the financing section you should prove to the audience that you really want to make your business work. Explain exactly how much money from the personal funds do you have and their sources. Also, mention the amount that you need to borrow and how are you going to repay it. Any relevant financial worksheets like annual income projections, a break-even worksheet, predictable cash flow statements and a balance sheet are important and should be included in all business plans. Good business plans contain in the management section information about the organizational structure of the business and about the management team. Also, it contains resumes and biographies of key members of the management team. There are some persons that might consider that business plans require a lot of time and effort. But, they don’t realize that the time spent writing the plan is well spent. Also, there is a business plan building software that helps people make their business plans. This software is easy to use and at an affordable price and will help you obtain some great business plans.  Digg It    Stumble It    Deli.icio.us Related Articles Business PlansQuality Business plansWriting A Business PlanEvaluating The Business PlanNew Business ProposalCreate a Business planBusiness Plans to raise capitalEssentials Of A Business PlanWriting A Business LetterCreating Business StrategyTips For Business PlansQuality business plan About Us | Terms of Use | Privacy Policy Contact Us | Help | User Blog | Links Angel Investor Network | Venture Capital Firms | Raise Capital Find Startup & Small Business Funding © 2010 Go4Funding.com All rights reserved.

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Essential Components Of Business Plans


Viewed:
64256
Times


Business plans
have a well defined form that shouldn’t be changed by anyone. Business
plans include several elements that shouldn’t be modified, because otherwise they
won’t have the expected results.

When you want to write your business plan remember to stick to its original form.
Those that will read it will expect to see a certain format. In the case that they
won’t notice the elemental components then they won’t take your plan into consideration
even if you’ve presented a great idea.

The business plans have five fundamental components: the executive summary section,
the business section, the market analysis section, the financing section, and the
management section.

The executive summary section is the first section in all business plans. Those
business plans with a good executive summary will have greater chances to be successful.
The audience will be convinced to read the whole business plan if you’ll come with
an excellent executive summary. For successful business plans the executive summary
is very important.

All business plans should include in this section the nature of your new venture
and the need you want to satisfy. Also, describe your potential market and why is
your product or service needed. Don’t forget to describe how is your business organized,
your management team, and include a briefly summary of your marketing plan. Also,
remember that the audience wants to see the amount of capital that you need, your
sales expectations and how are you expecting to pay back the debt.

If the audience is pleased by what you have written till now then they will continue
reading the whole plan. But if you couldn’t capture their attention then they will
reject your plan no matter how good is your idea.

The business section of business plans should include the legal name, physical address
and full description of the nature of the business. Firstly, keep in mind that business
plans should contain a general terminology. Those that read the plan don’t necessarily
have the same level of knowledge like those that write the plan. Also, you should
try to explain why your idea is better than that of your competitors.

The market analysis section helps you understand better the market on which you
want to enter. This section is more like a marketing plan description. All business
plans
should include in the market analysis section the estimated demand of the
product or service, the market target, the industry’s trends, the pricing plan that
you will follow and the description of the company’s policies.

In the financing section you should prove to the audience that you really want to
make your
business work
. Explain exactly how much money from the personal funds
do you have and their sources. Also, mention the amount that you need to borrow
and how are you going to repay it. Any relevant financial worksheets like annual
income projections, a break-even worksheet, predictable cash flow statements and
a balance sheet are important and should be included in all business plans.

Good business plans contain in the management section information about the organizational
structure of the business and about the management team. Also, it contains resumes
and biographies of key members of the management team.

There are some persons that might consider that business plans require a lot of
time and effort. But, they don’t realize that the time spent writing the plan is
well spent. Also, there is a business plan building software that helps people make
their business plans. This software is easy to use and at an affordable price and
will help you obtain some great business plans.


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Posted by admin on May 13th, 2017

Project Management Techniques * The Capital Budgeting

A number of factors combine to make capital budgeting decisions perhaps the most important ones financial managers and their staff must make. There are a huge number of variables that must be considered although many can be defined as legible due to their probability of occurrence. However the cost of failure is great with companies facing bankruptcy if their market judgment is vastly incorrect. This report then focuses on evaluating the major risks that effect capital budgeting decisions and how that information can aid the techniques used to analyze fixed asset investments.

First, since the result of capital budgeting decisions have an impact for many years, the firm will lose some of its flexibility. For example, the purchase of an asset with an economic life of ten years locks the firm in for a ten year period. Further because asset expansion is fundamentally related to expect future sales a decision to buy an asset that is expected to last ten years requires a ten year sales forecast. If the firm invests too much in assets, it will incur unnecessarily high depreciation and other expenses. On the other hand, if it does not spend enough on fixed assets, two problems may arise. ‘First, its equipment may not be efficient enough for least-cost production and second, if it has inadequate capacity it may lose a portion of its market share to rival firms, and regaining lost customers will involve heavy selling expenses and price reductions, both of which are costly’. If a firm forecasts its needs for capital assets in advance, it will have an opportunity to purchase and install the assets before they are needed. Unfortunately, many firms do not order capital goods until existing assets are approaching full-capacity usage. If sales grow because of an increase in general market demand, all firms in the industry will tend to order capital goods at about the same time. This results in ‘backlogs, long waiting times for machinery, and an increase in their prices’. The firm which foresees its needs and purchases capital assets during slack periods can avoid these problems. Capital budgeting typically involves substantial expenditures, and before a firm can spend a large amount of money, it must have the funds available – large amounts of money are not available automatically. Therefore, a firm contemplating a major capital expenditure program should plan its financing far enough in advance to be sure funds are available.

A key area concerned with the capital budgeting decisions made by firm’s lies within the capital structure policy as this sets the tone for all future financial decisions.

Incorporating the tax deductibility of interest but not dividends and bankruptcy costs leads to the trade-off theory of capital structure. Some debt is desirable because of the tax shield arising from interest deductibility but the costs of bankruptcy and financial distress limit the amount that should be used. This is because when companies are highly levered the threat of default risks is great. Therefore an optimal range of debt finance needs to be incorporated into capital structure policy.

This is an extremely important concept for companies to consider when undertaking in capital budget decisions as their capital structure will have a large influence in determining which investment options to pursue. For example if the company decides to follow an investment proposal where the discounted payback period is great during the later stages of the project although the initial cash outlays are large. If the company is heavily financed through debt then the risk placed on that project will be high due to the probable default risk occurring if the short term future produces an uncertain event that throws the investment into doubt. A recent example of this case is described below:

The recent crisis in the football industry has demonstrated the importance of keeping a tight control of a company’s finances. As the industry became increasingly profitable throughout the 1990’s many clubs operated under the trade off theory principles. To incorporate increased spending in parallel with exponential transfer and wage increases clubs borrowed excessively to a point where the industry could not sustain itself any longer. This reached a head during May 2002 when the sudden collapse of ITV Digital resulted in the threat of bankruptcy for many smaller clubs. This situation was due to fact that smaller clubs had gambled their future on the excessive amounts of capital they were receiving from ITV Digital. Capital budget decisions had been based around spending for short term gains thus allowing football clubs to neglect their long term survival and as a result over six hundred footballers were made redundant during the summer in order to cut costs.

For example the highly profitable semi-conductor companies of the mid 1990’s like Samsung, did not shift their capital budgeting decisions policy towards higher levels of debt as the trade off theory suggests. This can be explained through the fact that in high-tech growth industries current assets are best described as risky and intangible. Therefore borrowing heavily would appear foolish as in times of crisis the company’s current assets would be rendered worthless resulting in nothing tangible to safeguard against spiraling default payments. This does appear slightly pessimistic considering during times of prosperity one would expect expansion and growth however there are many other risk factors that need to be taken into account when forming capital budgeting decisions.

Sales Stability: Companies with a stable source of income can feel more comfortable about supporting higher levels of debt because they are able to service the debt.

Asset Structure: When fixed assets are at a higher percentage relative to current assets, higher levels of debt can be supported due to the security factor. The lender is aware that if the interest can not be paid, fixed assets can be sold off.

Operating Leverage: The relationship between fixed and variable costs suggests that a high level of operating leverage will result in a high level of fixed costs. Therefore a company that is highly levered in operating leverage should have low levels of financial leverage to prevent the increase of costs.

Management Attitudes: These attitudes change regarding the current financial climate and whether personal styles tend to be more conservative or aggressive.

Lender and Rating Agency Attitudes: The credit rating of a firm has implications regarding the entire capital structure policy of a firm.

It is essential that top management is aware of the information gained from producing the capital budgeting decisions and it is not just limited to the financial management department. Often within companies there is a capping of the capital budget made by top management which can extinguish any investments projects no matter how profitable they might be. Therefore there needs to be a good two way communication process between senior management and financial management to prevent conflict occurring.

One way of achieving this is through SWOT analysis. Before developing strategies to accomplish the firm’s objectives, a manager needs to access the internal strengths and weaknesses of the firm. This evaluation should include the firm’s financial health, physical capital, human resources, production efficiency, and product demand. External threats and opportunities that impact the firm’s ability to accomplish its objectives also need to be considered. An external threat and opportunity analysis might include evaluating the behavior of close competitors or assessing the impacts of the business cycle on clientele incomes and the resulting product demand. The SWOT analysis helps the firm understand the current constraints placed on it by both internal and external forces and enables the firm to take corrective action, when possible to better position itself to accomplish its objectives.

Through implementing SWOT analysis correctly a greater amount of information is available to make informed capital budgeting decisions. The technique can then be implemented with in standard investment appraisal techniques such as NPV, discounted payback period and IRR. By providing SWOT analysis to aid capital budgeting decisions the threat of failure deceases. However reviewing or post-auditing is a final step to review the performance of investment projects after they have been implemented. While projected cash flows are uncertain and one should not expect actual values to agree with predicted values, the analysis should attempt to find systematic biases or errors by individuals, departments, or divisions and attempt to identify reasons for these errors. Another reason to audit project performance is to decide whether to abandon or continue projects that have done poorly. Therefore in order to eliminate poor performance the various risks associated with capital budgeting decisions need to be applied as strictly in the auditing process to aid in the decision making process for future capital budgeting decisions.

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Posted by admin on May 12th, 2017

What Can I Claim on Tax? Home Office Deductions – Tax Deduction Information



What Can I Claim on Tax? Home Office Deductions – Tax Deduction Information |A&C



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Home Office Deductions – Tax Deduction Information 

When you work from home, you can get benefits from the home office deduction. Some people may think that the home office deduction will significantly increase their chance of being audited by the IRS or it’s very difficult to qualify for the home office deduction guidelines. But as long as you follow the requirements and keep good records of all business-related expenses, you shouldn’t be worried about being audited too much.

Regular and exclusive use
To get the home office deduction, you must regularly use a portion of your home exclusively for your business. The IRS doesn’t specify what “regular use” means, but the guideline is that you must use the space for business on a continuing basis, not occasionally or frequently. You also use that portion of your home “exclusively” for business, which is a more difficult requirement to follow. The space must be used only for business. If you use the space for personal purposes as well as business purposes, you won’t be qualified for the home office deductions.

Here are some practical ways to qualify these requirements:

  • Use furniture such as a room divider if you want to deduct a portion of a room for business.
  • Get a separate phone line for the business and keep it in your home office.
  • Have regular meetings with your clients at your home office and keep logs of the meetings.
  • Use your home office address for your business mailing.

Administrative and management work
When your work is mainly performed outside of the home office, i.e. you’re a contractor or gardener, you can still deduct home office as long as you meet these requirements:

  • You use the home office for administrative and management activities.
  • There is no other fixed location to do such activities.

Amount of the home office deduction
The amount of the deduction should be accurately calculated from the portion of the home office to the whole residence. If your home is 1000 square feet, and your home office is 200 square feet, the portion of your home office is 20% of your entire place, and you can deduct 20% of the money that you spend to maintain your residence.

Main expenses that you can deduct are rent if you rent, or mortgage interest, property taxes and any association fees if you own. You can also claim deductions for utilities, home-owner’s or renter’s insurance, general maintenance or repair fees that affect your home office, etc. 

 

 

 

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Posted by admin on February 7th, 2017

Payroll service near me – Simple Supervisor Human Resource Training



Payroll service near me – Top Human Resource Training |A&C



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Posted by admin on January 25th, 2017

Accounting For Fund To Invest Easily With Working Capital Management



bookkeeping companies in usa – Working Capital Management |A&C



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Posted by admin on January 11th, 2017

Best way to reduce taxes? Transferring-money-to-my-wife-and-child





Untitled Document

I, as US non-resident, transferred some money from my US bank account into my wife’s and son’s US bank accounts. Some people say that it is classified as a gift and obligated for taxation, because we are aliens, not citizens. Well, citizens also pay gift taxes, but if the amount of gift is very huge (around 5 million dollars) I would like to know how to optimize this expense. Maybe I should file this transfer as a “family loan”?
Thank you in advance.

1 Answer

Assuming United States; rules may be wildly different elsewhere…

The "family loan" trick essentially lets you amortize a gift over multiple years of gift allowance and hopefully dodge gift tax, at the cost of having to pay income tax on the interest you must charge on the loan. The main advantage is that it lets you transfer all the money up front, rather than in $17,000-a-year-per-person-per-person chunks.

Let’s take the normal case first. Any one person can give any one person up to a specified amount (currently $17k, I believe,) without incurring gift tax. Note that this is counted per person, not per household; you and your spouse could each give $17k per year to each of your son and his spouse under this rule, adding up to $68k per year total.

The family loan dodge consists of making them a loan of the money at the mandated minimum interest rate to make it a legal loan (something like 0.3% APR last time I looked), setting the repayment schedule so their payments each year including interest come out to less than you can gift them with tax-free, and then making that gift by paying (yourself) those payments on their behalf. You do need to pay income tax on the portion of those payments that represents interest income, but at that low rate this is a minor cost for the convenience.

You’d also want to set up your will to cover what happens if you die with them still owing money on the loan. And this, I believe, is where you will really need expert advice if you go this route, to minimize the government’s cut at that time.

There may be better answers. If you are talking about this much money, you owe it to yourself to purchase expert advice from someone who has training and experience n this area, rather than taking free advice from the Internet that is likely to cost you much more in the long run. This is a situation where you can’t afford not to hire a pro. (For example, I have no idea how trusts might or might not fit your needs.)

Research & References:

http://money.stackexchange.com/questions/74590/how-do-i-minimize-taxes-when-transferring-money-to-my-wife-and-child

– See more at: http://acallresources.com/blog/how-do-i-minimize-taxes-when-transferring-money-to-my-wife-and-child/#sthash.OtQR8SfX.dpuf



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Posted by admin on January 10th, 2017

Money investment opportunities – Find Fund To Invest Easily With Financial Ratios



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Posted by admin on January 8th, 2017

Average cost of bookkeeping services for small business By Vish K S

Outsourcing the bookkeeping or accounting functions offers noteworthy benefits and advantages to the Company that outsource the task. Businesses require a long list of duties to be completed in real time to make the operations running smooth. If the business happens to be of a small scale nature, one can surmise that the owner of the business is directly involved in all the operations including the different processes of hiring and firing, taking stock of the inventory and maintaining the Company books. When it comes to bookkeeping tasks, even the smaller Companies take the course of outsourcing their bookkeeping work to third-party bookkeepers. Numerous advantages accrue by taking to outsourcing, and there are multiple reasons for doing it as well. But, some important aspects need to be taken into consideration if you’re thinking of outsourcing the bookkeeping functions.

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One has to go for the reputation of the bookkeeping firm. Check out details like ‘How long has it been operating in the financial business field’, How many satisfied clients do they have under their belt’, Are they in a position to give some notable references for public review’ and things like that. Word of mouth referrals from other business owners that are operating in a field similar to yours is really important. The experience and reliability of the bookkeeping firm can be a deciding factor in choosing a particular Company for your bookkeeping needs. Also, check whether they have been associated with Companies such as yours and that operating in similar industries. This is because, small or large, every business demands specific domain knowledge. When the question regarding the credentials of the bookkeepers at the service provider Company arises, one needs to ask different questions of the sorts including the persons who will be working with them on a particular assignment and their bookkeeping staffs’ credentials and qualifications. One should check out these bookkeepers’ background information in order to confirm their trustworthiness in their past dealings.

Also consider the rates they charge for different bookkeeping services, the assortment of services that are on offer, whether the services include payroll processing, state and federal taxes, its preparation and payments, financial reports and forecast reports. Go through the finer details, specifically the kind of services offered in each of their bookkeeping packages and whether they will complete the tasks online whenever needed.

Some other questions are the following. Are their finance people familiar with the taxation aspects in the country? Will the bookkeeping Company represent you in case of a quick financial audit? Regarding the tax auditing part of the business, will they carry out the whole paperwork and prepare documents that you require? Does the bookkeeping Company possess the know-how to supply you with enough support if necessary? Sometimes, each of the states in a country may have a different set of laws related to taxation. So, make it a point to choose a bookkeeping company that possess high familiarity with the tasks and substantial expertise with the tax rules and regulations of a particular state.

Article Source: http://EzineArticles.com/expert/Vish_K_S/344758
Article Source: http://EzineArticles.com/3445553

– See more at: http://acallresources.com/blog/average-cost-of-bookkeeping-services-for-small-business-by-vish-k-s/#sthash.neZmqvLh.dpuf


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Posted by admin on January 4th, 2017

Bookkeeping Services Near Me – How To Choose Right Services By Loretta V Smith

Many businesses want to hire bookkeepers to perform regular tasks. Budgets are stretched for some businesses and they are unable to hire full time workers for certain positions. These are businesses without accountants or bookkeepers. Fortunately, there are companies that offer these services.

The price ranges for these services vary. This is one of the important considerations for businesses to pay. Most often it is cheaper to hire for these services than to take on another permanent employee. This draws many businesses to these types of services. The economic benefits of this work will help you to save money.

You have more options with a bookkeeping company. These companies provide customers with a selection of services. Many of the work provided is specific to the type of business that you do. It doesn’t matter, whether you have a clothing store or a medical supply store. You can benefit from these services. They offer you a hassle-free way to conduct business. The time and money that you save can be reapplied to your business.

Cities around the country have a range of bookkeeping services. These companies perform a list of critical services. AWS Bookkeeping is an example of the companies in this category. Depending on the size of your businesses, your needs may be specific. It is important to consider which services are paramount to your business. Here are some of the typical services

Prepare business taxes

Throughout the year it is important to keep track of business taxes. Businesses often hire accountants to perform these tasks. It is possible find a more economic method of tracking business taxes. Bookkeeping services include tax maintenance and preparation. The most qualified companies also offer these services. Instead of hiring an accountant one time per year, bookkeepers are convenient. They will be more familiar with your tax scenario.

Employee payrolls

The payroll responsibilities of a business can require a lot of time. Studies have shown that business spend a significant amount of their time each week just preparing paperwork. There are individual components that factor into payroll. Having experienced workers prepare payroll work can save a lot of time. The amount of employees that you have will factor into this work. Small businesses may not find bookkeepers worth the cost. Larger businesses will quickly realize how beneficial these companies are to your productivity.


Homeowners’ association needs

Communities around the country have homeowners’ associations. There are many different financial responsibilities that factor into this work. Large communities are sometimes able to hire accountants for this work. Small and medium subdivisions look for more economic ways to get these tasks done. Bookkeepers are great alternatives in this category.

Large bookkeeping companies provide customers with many choice selections. It is possible to select more than one of these services and still save money. This is a benefit to your bottom line over time. You can hire these professionals on a weekly, monthly, or a yearly basis. Here is another way that your budget is considered.


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Posted by admin on January 2nd, 2017

How can i be successful in life – Advanced of Rich Dream 1031 Exchange Strategies



How can i be successful in life – Imrpove Cash With Financial Ratios Analysis 17 – Working Capital |A&C



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