πŸ‘‰ Ways of get money for your businessβœ…

Arranging for financing for a new business is no easy task. New businesses do not have sales or track record. Hence they are considered much higher risk than financing an established business. New business entrepreneurs also find it difficult to estimate the amount of money they will need to get a business up and running. More often than not entrepreneurs significantly underestimate the amount of funds they require. They leave no room for unexpected obstacles or opportunities.

Sources of business Finance

The primary sources of funds for small business start-ups are personal funds, friends and relatives, NGOs or private investors, banks, government agencies and programs, and venture capital.

Personal funds

The most accessible and unconditional source of funds for your new venture is often in your own pocket. It is also the first source you should tap because most people will not invest in your business unless you can demonstrate some financial commitment your self. After all, why should someone else invest in your business if you are not prepared to put your own finances on the line? This may mean looking in your savings accounts or other investments, tapping into a life insurance policy, selling some real estate or postponing some other expenditure.

Friends/Relatives

Once you have assessed your own savings and found that there is still a shortfall, it may be time to look to raising money from friends and relatives. This often known as β€œlove money” and is used by many entrepreneurs for at least part of their start-up financing. The biggest risk with this source of capital is that it can create a considerable strain on these relationships if your business does not work out.

It is therefore important that you treat their investment the same as you would a bank or other external source of capital. Develop a formal agreement, lay out the terms and conditions including a repayment schedule plan, and keep them abreast of developments in your business. Depending on the nature of the business this type of financing may be sufficient to supplement your own funds.

Non-Governmental Organizations (NGOs)

There are several NGOs nowadays that are providing credit to small businesses. However, each NGO has its own conditions and requirements that must be fulfilled before providing loans.

Banks

Banks are one of the most widely used external sources for funding new businesses. The primary consideration for banks in assessing a loan applicant is their confidence in the person’s ability to pay back the loan.

This confidence is a function of a number of factors:

β—˜ The person’s previous track record and credit history,
β—˜ Adequate cash flow in the business to meet the payment schedule,
β—˜ Sufficient equity or assets.

Banks do not take large risks. They have a responsibility to ensure the safety of their depositors’ money and obtain a reasonable return. Unfortunately many entrepreneurs do not understand this. Hence it is common for an unprepared entrepreneur to walk into a bank, ask for a loan, and if they are refused, blame the bank for not caring for the β€œlittle guy” (Mlalahoi). Informed entrepreneurs go into the bank with all the information the banker may need at their fingertips including their financial history, current financial circumstances, business plan and rΓ©sumΓ©s.

Types of financing that can be obtained from a bank are:

β—˜ Short term loan

– Usually repaid within 30 to 180 days and they are normally used to purchase extraordinary inventory, finance cash flow shortages, and access to suppliers’ discounts for early payment.

β—˜ Operating loans

– these are usually loans given for 90 days, based on a line of credit allowing entrepreneur to access money up to a pre-established limit (50% of raw materials or finished products) and must be repaid with interest. They are unsecured loans but less risky and they are given depending on the entrepreneur’s financial statements and track record.

β—˜ Fixed assets loans

– These are usually long term loans provided for a year or more to cover the costs of fixed assets such as machinery/equipment, vehicles, commercial buildings, and real estate. These loans normally cover about 60 to 80 percent of the cost of equipment and about 75% of the market value of property.

Governments

Governments at all levels have developed a number of financial assistance programmes for small business.

Venture capital

Venture capitalists provide equity investments for start-up or expanding businesses.

Other sources of financing

Internal financing

 Shareholders loan
 Employees share payment
 Supplier’s discounts/financing
 Real estate/remortgaging
 Retained earnings
 Leasing vs. buying
 Advance payments from customers

Forms of Financing

Capital is normally invested in a business in two ways or forms: Debt financing form or Equity financing form.

Equity financing

This is an investment in the business either as the owner, a partner or a buyer of shares in the corporation.

Key considerations in equity financing include:

- Requiring more commitment from investors.
- Less stress on the cash flow.
- Long term (fixed assets)

Types of equity financing are:

- Cash on capital contributions
- Personal equity
- Partnership equity or capital injection
- Love money (This is a common phenomenon in US and Canada)
- Investor (preferred or common shares)

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πŸ“Œ Short love story

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A Take me back to the old path

Take me back to the old Paths, when Moms were at home.
Dads were at work.
Brothers went into the army.
And sisters got married BEFORE having children!
Crime did not pay; Hard work did;
And people knew the difference.

Moms could cook; Dads would work;
Children would behave…
Husbands were loving; Wives were supportive; and children were polite.

Women wore the dresses; and Men wore the trousers.
Women looked like ladies;Men looked like gentlemen; and children looked decent.

People loved the truth, and hated a lie;
They came to church to get IN, Not to get OUT!

Hymns sounded Godly; Sermons sounded helpful;
Rejoicing sounded normal; and crying sounded sincere.
Cursing was wicked; Drinking was evil; and divorce was unthinkable.

We read the Bible in public; Prayed in school;
And preached from house to house.
To be called a Christian was worth living for;
To be called a traitor was a shame!

Sex was a personal word. Homosexual was an unheard of word, And abortion was an illegal word.

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A How to calm down

Breathe Deeply Though it is an old and repeated technique, nevertheless it really works well. Comfort yourself in a relaxing position and take a deep breath. Hold your breath and start releasing slowly. As your breath leaves you, assume as though you are breathing out fire. To feel the fire exiting from within you, place your hand underneath your nose. Exercise Exercising is, indeed, the best technique for calming down. Move out and indulge yourself into vigorous aerobic exercises for a longer duration than normal to release the pain and anger within you. Also, you can take up running as all it matters is finishing the run rather than worrying about the reasons for your stress. Push yourself against the barbell or the fitness equipment. This would help your mind to focus on nothing else, but finishing the exercise. Close Your Eyes Gently close your eyes and retreat from the present world going deeper and deeper. Let those drops moisten your eyelids helping you regain your equilibrium. You will gradually get back your balance and proper focus. Move Outdoors Whenever you are in an agitated mood, give yourself an hour to indulge into the beauty of the nature. Whether you are angry, opinionated, cynical or uptight, you will soon return home as a relaxed person. Engage yourself into some activities, say walking, biking, running or swimming, in order to clam yourself down. Find Your Way To Water All you guys, who had assumed water to be only a thirst quencher, think again! The various healing and mood effects of water can do wonders to calm you quickly. So, the next time whenever you are over aroused, drink a big glass of water every hour. Besides, you can take a walk along the water, take a look at it or listen to it. If possible, throw yourself into it by going for a bath or swim. Step Back Take a step back and observe the world that you are living in. Lift your head up and look at the stars in the sky. Realize the number of stars filled with many planets just like one of ours. Compare your problem with one of those twinkling stars? Probably, it is just a fight between two ants. In the event of so many serious problems, yours would not seem as a big deal. All it requires is some framing of things and events here and there. And voila! You'll have the solution to your problem in a few moments….continuing....

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A Forms of Business Structure

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A Think Critically act Positively


1. ON EARNING:
Never depend on single income. Make investment to
create a second chance.

2. ON SPENDING:
If you buy things you do not need, soon you will have to sell things you need.

3. ON SAVINGS:
Do not save what is left after spending, but spend what is left after saving.

4. ON TAKING RISK:
Never test the depth of a river with both feet.

5. ON INVESTMENT:
Do not put all eggs in one basket.

6. ON EXPECTATIONS:
Honesty is a very expensive gift. Do not expect it from cheap people.

7. Past is a waste paper, present is a newspaper, and future is a question paper. Come out of your past, control the present, and secure the future.

8. When bad things happen in your life, you have three choices. You can either let it define you, let it destroy you or you can let it strengthen you.

9. Our eyes are in the front because it is more
important to look ahead than to look backwards.

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A The sin of pornography

*THE SIN OF PORNOGRAPHY:*
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A The story of crime girl πŸ‘§

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A How to develop your personality

Each person is unique: Remember that each individual is different and has his or her unique characteristics and qualities. Comparing yourself with others around only increases the distress, especially when you start focusing on where you are lacking compared to others. It is important that you channelize your energy towards your positive traits. Do not get swayed by media portrayals: Media portrays people in its own idiosyncratic ways. It does not mean what or how you should be. Personality matters, not looks alone: It is not just looks that are important and that define who you are. Personality defines who you are and how you respond in various situations. It is essential to focus on the personality, which matters the most. Learn social skills: Just looking good will never be sufficient to take you forward in life or help you in your relationships with people. Instead, hone your social skills. The more success one has in social spheres of life, the better you would feel about yourself. Have a healthy lifestyle: Life is a balancing act. Learning to balance different aspects of life is integral to a wholesome life. Have a good, balanced diet and exercise. Do not avoid social interactions: Just because you feel you aren't good-looking, do not avoid meeting people. The more you shun social interaction, the worse you would feel about yourself. Know your positives: If every individual has his or her limitations, then he or she also has positives. These positive are what you need to concentrate on. Know your strengths. Acknowledge them and work with them. Get healthy peer support: Peers are an important part of your support system. Having peers who are supportive can contribute to our understanding of situations, giving alternative perspectives. Talk to parents and friends: The difficulties you might face in evaluating yourself in a positive light can be taken care of by talking to family and friends. Develop media literacy skills: Learn to see messages in the media in a dispassionate manner. Try and develop this skill so that you are able to integrate what the media shows in a realistic manner. Everyone has their notion of how people should look and dress, etc… All these diverse perceptions can lead individuals to believe that they need to be a particular way, and if not, then it implies something negative about them. This can frequently affect one's moods and behaviour. Know Yourself: The first step on your quest to develop your personality is to know yourself. It is very important to know yourself in order to figure out what needs to be done to modify your existing personality. Knowing yourself is not about knowing your favorite color, food and etc. It is about knowing your limitations and plus points. You must be aware of your abilities so that you can use them when the time comes. You need to analyze yourself and find out what is it that you lacking in. Are you short tempered or do you panic easily or is that you can't speak in a group. Find out and then accordingly we can work on your personality. Comparison: You need to accept one thing that you cannot be best at everything. We all have our strengths and weaknesses. You are different from others; you have your own set of talents and abilities. Just because there is someone around who is great at a think you are not good at does not mean he is better than you. There will be things that he cannot do but you can. No one is perfect in this world. So never compare yourself to others. It does more harm than good. Love yourself and you will definitely achieve a better personality. Courteous: Personality as I said is not just about how you look. It is how you present yourself. It is how you impress others. An expressionless and monotonous tone will get you nowhere. You need to have an attitude that is pleasing so that you are welcomed wherever you go. Be courteous and humble. Greet your juniors with a smile and reply back to their greetings. At times have lunch together or offer your lunch to them. Be available for your people and you will become dependable for them. This is a remarkable trait for your personality. Mannerism weighs a lot in the professional world. Body Language: Having a personality takes into account everything. Not just the way you dress up and talk but also your body language. How you walk, sit , eat , how you behave when others are talking etc make a huge impact on others. Your body language is therefore a very important is very aspect of your personality. Have a relaxed posture. Walk upright do not droop or be extra rigid. When others in a group are talking have a relaxed tone. Do not get involved with the surroundings but pay attention to the speaker. If he is talking to you have a calm eye contact and not staring or distracted. Have a good body language that shows that you are confident. Physique: The easiest way to achieve a good personality is to have a good physique. It cannot be denied that a good physique is very important. It is a very important part of your personality. Your physique not only sets an impression but it speaks a lot about you. A good physique says that you are a well planned person. You think about yourself and about your health. It also gives a perception that you are away from bad habits and company. It really says a lot about you. So start exercising and stay fit to develop your personality. Speech: A very vital part of any personality development program is to help you speak better. By speaking better I do not mean using big words and giving speeches. The words you use are very important. Have a decent and simple manner of speaking. Use a language that is understood by all. Now a day's English has the top priority. If you do not have grips over this language enroll yourself with some coaching class. When you speak in a group see to it that your words are not offending or agitating. When to speak is more important than what to speak. So take care of your speech as much as you can. Appreciate: A great personality knows how to impress and make an impact. In the professional world where you work or stay in a group; to be accepted by others is very important. All the pain of building a personality is to be accepted so that we can move on and work in a better way. Develop a habit of appreciating your mates no matter how small the work is. Although take care that you are not being fake. Appreciating others makes you a very friendly person. You also motivate your mates and that makes you a better employee as well. Thus a simple habit of appreciating helps you develop your personality by making you a little selfless. Attire: Yes personality is not all about dressing up but the way you dress does have an impact on your personality. So even if not the most important you attire is definitely one of the most important aspect of your personality. Dress up in a decent manner. Be professional and avoid flashy colors. Avoid unnecessary piercing on your body or tattoos. Wear neatly ironed and unstained clothes. Look pro essional or according to the environment of your working place. It is very important to develop your personality to have a great sense of dressing. Confidence: I will definitely say that this is the most important thing to be achieved to obtain a better personality. You have to be confident with whatever you do. Your confidence says that you know about your work and you are well aware of your abilities. If you shy of speaking in public then you have to start speaking as having confidence is very important. Believe in yourself and to help you build confidence read success stories of other people. Have motivational slogans and pictures on your board etc to help you boot your confidence…..continuing....

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A Take this lesson for a poor young man

A very poor newly wedded, young couple lived in a small farm. One day the husband made the following proposal to his wife:
Honey, I will leave the house: I will travel faraway, get a job and work hard in order to come back and give you the comfortable life that you deserve. I do not know how long I will stay away, I only ask one thing, please wait for me, and while I am away, you should be faithful to me, because I will be faithful to you. His wife agreed, so the young man left. He walked many days until he found a farmer who was in need of someone to help him. The young man offered his services. He was accepted. Therefore he discussed the terms with his boss:
Let me work for as long as I want and when I think I should go home, please relieve me of my duties. I do not want to receive my salary. I ask you to save it for me, until the day I leave. The day I decide to go, please give me the money and I will go my way. They agreed on that. So, the young man worked for twenty years without holiday and without rest. After twenty years, he came to his boss and said:
Boss, I want my money, because I am returning to my home. The boss replied:
All right, after all, I made a deal with you and I will stick to it. However, before you go I want to offer you something new: I will give you all your money and send you away; or I will give you 3 pieces of advice and send you away. If I give you money, you lose the 3 pieces of advice. If I give you the 3 pieces of advice, you lose the money. Now, go to your room and think about your answer. He thought for two days. Then he went to the boss and told him:
I want the 3 pieces of advice. The boss stressed again, if I give you the 3 pieces of advice, I will not give you the money, and the man replied:
I want the 3 pieces of advice. The boss then told him:
No. 1: Never take shortcuts in your life, shorter and unknown paths can cost your life. No. 2: Never be too curious, for curiosity towards evil can be deadly. No. 3: Never make decisions in moments of anger or pain, because when you repent, it could be too late. After giving these 3 pieces of advice, the boss said to him:
Here, you have 3 loaves of bread, 2 are for you to eat during the journey and the last is for you to eat with your wife when you get home. So, the man went his way, after twenty years away from home and from his wife, whom he loved so much. After the first day of travel, he found a man who greeted him and asked:
Where are you going? He replied:
To a distant place which is about 20 days away if I continue walking. The man said to him:
Ol' boy, this path is too long! I know a shortcut that is very safe and you will arrive in 5 days only. The man began to follow the path suggested until he remembered the first piece of advice. Then, he returned and followed the long path. Days later he learned that the shortcut led to an ambush.
After a few more days of travel, he found an inn by the roadside, where he could rest. He paid for a room and after taking a bath he lay down to sleep. During the night he woke up as he heard a terrifying scream. He rose to his feet and went to the door to check what happened. As he was opening the door, he remembered the second piece of advice. Therefore he returned, lay down again and slept. At dawn, after breakfast, the owner of the lodging asked him if he had not heard the scream at night. He affirmed that he heard. Then, the host said:
Were you not curious to see what happened? And he replied:
No, I was not. Then the host said:
You are the first guest to leave this inn alive. My neighbour is completely crazy. He usually shouts at night to call someone’s attention. When some of the guests come out, he kills them and buries their bodies in the backyard. The man continued his long journey, eager to arrive soon.
After many days and nights walking, he was very tired, but he finally saw his house far away. It was night. He saw some light coming out of the window of his house and was able to see the silhouette of his wife. But he also saw that she was not alone. He came closer and saw there was a man with her. She softly caressed his hair. When he saw that scene, his heart was filled with hatred and bitterness. He decided to rush at and kill them both mercilessly. However, he took a deep breath and he remembered the third piece of advice. Then he stopped, reflected and decided to sleep outside that night. He slept in the midst of the bushes, determined to make a decision the next day. At dawn, he was calmer and thought:
I will not kill my wife and her lover. I am going back to my boss to ask him to take me back. But before I go, I want to tell my wife that I have always been faithful to her.
He went to the front door and knocked. When his wife opened the door and recognized him, she cried and embraced him warmly. He tried to push her away, but he
was not able. Then, with tears in his eyes he told her:
I was faithful to you but you betrayed me.
She was shocked, so she replied:
How did I betray you? I have never betrayed you. I waited patiently for you for twenty good years. Then he asked:
How about the man that you were caressing yesterday? And she said:
That man is your son. When you left, I discovered I was pregnant. Today he is twenty years old. Hearing that, the man asked her forgiveness. He met and hugged his son. Then he told them all the things he had experienced while away. Meanwhile, his wife prepared some coffee for them to eat together, the last bread given by his boss. After a prayer of thanksgiving, he broke the bread. When he looked at it, he found all his money inside. In fact, there was even more than the right payment for his twenty years of dedication and hard work.
Friends, our God is like this boss. When he asks us to make a sacrifice, he wants to give us more than what we give Him. He wants us to have His unique wisdom as well as the material blessings…..continuing....

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A Story of Peter and his Girlfriend Mercy

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A This is the sad story

πŸƒπŸŒΉπŸƒπŸŒΉπŸƒπŸŒΉπŸƒπŸŒΉπŸƒπŸŒΉ….continuing....

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A The journey is so short

A young lady sat in a public transport: an old grumpy lady came and sat by her as she bumped into her with her numerous bags. The other neighbor got upset, asking the young lady why she did not protest and insist on her rights: she responded with a smile: "It is not necessary to be rude or argue over something so insignificant!' I'll alight at the next stop, replied the young lady"…..continuing....

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A Ways to overcome public anxiety

Erase The Preconceived Notions People typically associate the task of public speaking with stress! This is absolutely untrue! Public speaking is only stressful if you allow it to be! Ironically, if you shake off this incorrect belief, public speaking can be a very enjoyable and invigorating experience for you. Try to dig out the hidden cause for your fear, diagnose it and say hello to a new fun hobby! Knock off the fear of public humiliation! You're overreacting! It's purely psychological. Stage fright can be curbed with a smooth build up of self-confidence. The best way to start that process is by facing reality and accepting that public speaking is not as difficult as you once thought! Capitalize On Three Good Points Stumble upon three relevant points and you're ready to nail it. In other words, you have good potential to set the stage on fire! Maintain a calm and composed demeanor! You don't have to be the funniest or smartest orator on the planet to receive a round of applause. Even if you make a couple of mistakes, skip a few important portions of your speech and pause for a minute, you haven't necessarily failed! Stop focusing so much on your performance, it's the value of the content effused that matters most. As long as audiences have something valuable to take back home (or with a smile on their faces), you will be remembered positively. Bear in mind that heaps of inconsequential facts does not augment your orator status. Stick to two or three clever points and render your speech interesting and genuine. Stress on one key point if you strongly believe in it. Diminish the number of quick notes and let words flow straight from the heart to the tip of your tongue! Avoid silly complexities for you will end up boring the crowd. Prepare But Don't Over-Prepare Preparation is essential. More importantly, prepare well in advance and not overnight for anxiety will double and the outcome will be messy. Practice does indeed make a man perfect but never overdo it. A speech turns superficial when planned too far ahead. It should be natural! In fact, the more effort you put into it, the worse might be your performance. So, don't over-prepare! Relax and take a deep breath! Just rehearse once and revise the key points along with a few good examples. Memorizing a speech verbatim only ruins the authenticity of a speech and implies that you don't have a firm grasp over the subject. Try not to script the speech! Gain self confidence and you will soon begin to respect the natural public speaker hidden deep down inside of you. Select A Topic That Interests You It will make all the difference if you chose a topic that you feel strongly passionate about! You will feel excited to research the topic and make the overall speech as interesting as possible. As you immerse your heart into it, you will notice your phobia slip away. Even when you have no choice but to resort to a lackluster topic, you could make alterations to the technique or approach of speech making. For example, make a colorful PowerPoint presentation or screen a funny video! The surging enthusiasm will tranquilize the goosebumps. Be Humble, If Not Humorous While adding a glint of humor to your speech would earn you brownie points, it's not mandatory. It is important to discover your style of speaking and work on improving that. However, it is important to maintain a fine sense of humility throughout your speech. When you stand up in front of the masses, share some of your weaknesses and frailties. This highlights your image as a credible, respectable and lovable speaker. Audiences will be able to connect with you and respect your honesty. If at all, humility isn't your style, don't feign it! The pretense of acting humble is easily detectable and this will trample your image in no time! You could hence make up for it by capitalizing on your good sense of humor! After all, who doesn't enjoy a good hearty laugh! Start with a joke or narrate a bunch of anecdotes, just don't digress from the actual topic. Don't Let Hecklers Get To You! Hecklers are all over the place and most of the time, they do a pretty good job at tormenting speech makers! However, it is in your best interest that you master the art of turning a deaf ear to such obstacles or counter-attack their witty statements with a wittier one. This most definitely helps you overcome all fears. But if you are still battling with glossophobia, then you should try your best and ignore those silly sadists or respond with an "I really appreciate your comment". Visualize Success Elite athletes rely on the technique of visualization to enhance their athletic performance. Every time you rehearse your speech, visualize your audience being amazed by your oratory skills! It is best to believe in yourself and that you are conveying solution for a very strong ground-breaking problem. Hence, your audiences ought to be impressed. Hear the cacophony of thousand claps and "wows" every time you emphasize on the last sentence of your speech! Boost your confidence!….continuing....

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A STORY Be that kind of woman

Sometime ago, a man went with his wife in their car to a fuel station, while they were buying the fuel, the man discovered that it was the wife's ex boyfriend that is attending to them, He then smiled and turned to his wife and said, "you would have ended up marrying that petrol attendant", but the wife smiled and said, "if I had married him, He will be the one sitting by the steering of the car"….continuing....

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A Understanding Entrepreneurs and Entrepreneurship

There is no clear consensus among entrepreneurship specialists on the definition of the word β€˜entrepreneur’ or that of its derivative, 'entrepreneurship'. While some people would treat small business owner managers and entrepreneurs as synonymous, the bulk of the entrepreneurship specialists attempt to draw a distinction between them. This distinction is central to an understanding of the meaning of 'entrepreneur'. We proceed to look at the definitions of these terms with a view to delineating the differences among them…..continuing....

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A Look what happened to this man

A married man died before he could have sex with his wife. The wife then cut off his penis and mounted it to the wall. Each night she went to the wall and satisfied herself. One day the neighbour Sipho found out what was happening. He then made a hole in the wall, removed the dead man’s penis and put his own penis and waited for the lady. The lady came with a knife and said β€œdarling, we are moving to a new house. πŸ˜‚ πŸ˜‚ πŸ˜‚ πŸ˜‚ πŸ˜‚ πŸ˜‚….continuing....

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