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Date:Posted By:Category:FinanceTag:,

The Bitcoin Boom – Should You Start Investing?

After a turbulent year, Bitcoin has set a new record. Many investors are confused: Is it worth starting? Or will the trip end suddenly?

Bitcoin Explained Simply for Dummies

What happened?

Bitcoin is by far the world’s largest and most well-known cryptocurrency, and its year-end surge is breathtaking. By early 2020, it will start at approximately US$8,000 and currently exceeds US$30,000. At the same time, he even jumped the 34,000 dollar mark.

Looking for the Best Bitcoin Mixer? Check out Coinomize.

Why is Bitcoin so popular?

Experts gave several reasons for the rapid rise in the exchange rate of Bitcoin: It is very important that the topic of digital currency has shifted to the center of investors and entrepreneurs. For example, the huge payment service PayPal wants to allow its customers to pay in digital currencies. The interest rate pandemic and the related surge in government debt have also generally increased interest in digital currencies.

The current boom may attract more curious people. Although many people jumped on the current roller coaster, participants did not adequately think about the risks and side effects of unstable asset classes.

Who is currently investing in Bitcoin?

Overall, interest in cryptocurrencies will increase significantly. Time and time again, individual reports trigger jumps. Electric car pioneer and Tesla boss Elon Musk recently caused turmoil: He asked about the possibility of converting the assets of electric car manufacturers from U.S. dollars to Bitcoin.

Although cryptocurrency has long been regarded as a niche market by professionals and gamers, it is now easier to participate. In the past, relatively complex operations were absolutely required through wallets, but special offers like Börse Stuttgart’s Bison app make it easier for ordinary private investors to get started. Those who do not need cryptocurrency but want to benefit from the performance can now make a small investment in funds deposited in Bitcoin.

However, more importantly, there is growing interest in institutions. At the same time, professional investors and even iconic figures in hedge funds are increasingly joining in-and have large amounts of capital.

How did Bitcoin perform in the first corona accident?

Like a stone. The first major financial crisis since the advent of cryptocurrencies showed that Bitcoin (usually compared to digital gold) has not become a safe haven for investors, they sold their positions. The ratio has dropped by as much as 50%. One of the main reasons: In recent years, many investors have made huge profits in cryptocurrencies. Those who lost money in the stock market in March sold Bitcoin to make money. Many investors returned later. You can find detailed background information about the spring accident here.

What if I win now?

With careful consideration and depending on your personal circumstances, it may be a good idea to include at least some bitcoin bonuses. Either spend money elsewhere or speculate that prices will eventually fall. But please note: the profits of cryptocurrencies may be taxed. However, they are still a new and complex investment, so experience, especially safety, is scarce.

Should I enter cryptocurrency now? Investing in Bitcoin is still risky. The volatility is huge and it is difficult to determine its true value.

Date:Posted By:Category:ManagementTag:

First-Time Condo Dweller? Why Your Unit Needs Condominium Insurance Coverage

If it’s your first time to live in a condo, you may think that the insurance coverage of the building will suffice as your protection against property losses. It would be best to think again, or better yet, have a read of the Master Policy of the condo building’s insurance coverage, which you can obtain from the Condominium Association.

Take note that many condominium dwellers take out insurance policies for their unit, because the Condominium Association’s policy does not provide protection for everything inside individual homes. Still, read the Master Policy thoroughly because condominium insurance can be quite complex, there being two types of coverage for condos.

Find Out What Type of Insurance Coverage is in the Master Policy

While one is called “Bare Walls-in” this coverage is only for the real property. By its title alone, it denotes that coverage does not include whatever installations or fixtures included inside your unit.

The other type is “All-In,” which is the kind of insurance that will include the additions, fixtures and installations that are present inside your unit.

You should also check if there’s a clause that includes cover for damages caused by flooding and wind, because most Condominium Association policies usually include them

Now if your Condominium Association has been collecting monthly fees from insurance, you might be surprised to find out that you are actually paying for a commercial insurance and not a homeowner’s insurance coverage, as you had presumed. Read a copy of the policy to find out what the deal actually covers. In most cases, the monthly fees you’ve been paying are only for an insurance policy covering the common or share areas of the building, such as the hallways, and the pool.

Once you have determined and found out your unit and all the things you have in it, are not as covered as you thought them to be, it’s time to visit https://www.condoinsurancecoverage.com/ where you can get assistance in getting the right kind of condo insurance coverage that you need for your unit.

What to Expect as Insurance Coverage for Your Condo Unit?

When looking at condominium insurance, don’t just look at the price quote, because insurers tend to include other values to their insurance offering. The best way is to compare by way of apples-to-apples, because you might be comparing a cheaper priced coverage against one that includes more than just the standards.

Keep in mind that there’s a huge number of insurance providers competing against each other, adding additional features might just convince you, they are the right fit. Some examples of extra features are coverage for spoiled refrigerated items due to power outage or equipment breakdown, identity theft or reimbursement for debris removal in case of calamitous events. We all know that living in a condo can sometimes be too tough and it’s just right that you’ll have some fallback in case events like these happen.

Date:Posted By:Category:FinanceTag:, , , , , , ,

Låne Penger På Minuttet To Augment Finances And The Major Kinds Of Business Loans

There are several reasons as to why many låne penger på minuttet, from funding an emergency expense, for home repairs or renovations, to funding a trip, or even for shopping. Whatever the reason may be, these small loans could very much help in augmenting your finances. Such small loans wherein people are able to låne penger på minuttet or borrow money by the minute have become widespread because of the convenience of easily being granted one and where pay out only takes a few minutes as well.

While small loans may be easily obtained from lenders and financial institutions, these types of loans don’t require any security or collateral, a certain item of value. Since the lenders are more at risk, the interest rates are usually higher than secured loans or loans that require collateral. Nonetheless, provided that you know how to manage your finances and payments well, these small loans provide you the opportunity to spend the loan you got for almost anything you want. But, in terms of business purposes, you may need to borrow more.

When starting a business, expanding a business, or perhaps require funds to correct some concerns on your cash flow, consider taking out a business loan as the amount you could loan is much bigger which you could maximize to ensure your business operations run smoothly and that your business plans are carried out for more potential revenue.

Kinds of Business Loans

There are various kinds of business loans that many financial institutions and lending institutions offer. Similar to small loans, some business loans are unsecured whereas some are secured. This means that the borrower pledges a collateral or an asset against the debt. This could be in the form of stocks, company vehicles, or business equipment. If the loan isn’t settled, the lender may repossess or claim the pledged collateral or asset.

To give you an idea of the different loans used for businesses purposes, let’s have a look at some of the major kinds of business loans.

Small Business Administration Loans (SBA Loans)

The Small Business Administration of the US partly backs loans from $5,000 to $5 million in order to aid small businesses, but commercial banks and online lenders actually provide the loans. As the government backs these loans, the APR rates are lower and where the repayments are longer as the lenders have more assurance and confidence that the money lend will be returned. SBA loans could be utilized for just about any business purpose, however the process of applying for one is long and laborious.

Business Term Loan

This is a traditional form of business loan wherein you could loan a lump sum amounting from $1,000 to $500,000 and pay it back over next years. The terms for repayments are typically between 12 months to 60 months (1 year to 5 years), though there are lenders offering terms that are longer and shorter. Business term loans are unsecured and could be used for any business purposes. But since it is unsecured, lenders look at the credit score of your business, your average monthly or annual returns, as well as your overall financial health.

Business Line of Credit

These loans are similar to a credit card but with lesser credit ratings. A maximum amount of credit could be granted which you could use at any time you need. As soon as you have paid back the money you could take out more wherein you only pay the interest on the borrowed money. Funding time is however short as many businesses get approved in a day. Terms for repayment are typically from 6 months to 12 months, however the terms will depend on the credit score and revenue of your business.

Equipment Financing

While business loans could be utilized to buy equipment for your business, an equipment financing loan make use of the equipment you purchase as a collateral for the said loan. Because of this, a business with poor credit ratings may apply for this kind of loan. While still in the process of repaying the loan, you could already make use of the equipment you have purchase. The amount of the loans will depend on the cost of the equipment and the repayment terms are usually around 60 months or 5 years.

Date:Posted By:Category:Finance

Ways on Marketing Your Lending Company

Generally, running a lending business entails a very tight and close competition within the financial industry. In fact, there is a high number of people that need cash in a hurry. Knowing this, most of them need a loan and often run to the trusted and well-established bank. Some are seeking financial aid through government endorsed programs.

So, as a lending company, how do you attract clients to go and look after your service? Basically, you need to offer them financially related promos like credit card applications through your lending company. Another way is to level up your marketing effort by doing the following steps below.

Basic Steps in Steering Up Your Lending Company

Check the following steps below to effectively market your lending company especially over the web. 

Utilize content marketing

Generally, the main problem of most lending companies is that they are not able to maintain their relationship with their clients. Many clients do not have the urge to go back to the lenders to have another transaction. That’s why it is important to keep your clients that are already part of your business instead of finding new ones.

Moreover, to be able to do this, create content marketing that can help you have a better relationship with the customers. This is pretty much applicable for both existing and new clients. Aside from that, content marketing utilization can help you in updating your existing clients about your new products without noticing that you are selling them something new.

Rule in content marketing: directly write informative content for clients and not the one that is more on selling.   

Visit direct mail marketing from time-to-time

Another best way to level up your financial marketing strategy is to attempt utilizing direct mail marketing. Most people usually turn off the moment they feel that you are selling something to them. Usually, this happens due to the involvement of email marketing. 

However, email marketing is an effective approach when done properly. Rather than utilizing the email marketing, try to use direct mail marketing which is more on the personal side.

Utilize the Pay-Per-Click

Compared to direct mail marketing, pay-per-click or PPC is a little bit more impersonal. You just have to sit and relax and wait for someone to click over your ad. However, this is an effective marketing tool which is easy and hassle-free as well. 

Date:Posted By:Category:Uncategorized

How Crucial it is to have a Marketing Company work for You?

If you have never experienced working with a marketing agency before or perhaps, trying to find a new agency and wonder how they would deliver from the job and professional relationship you’d have for them, then you are in luck to find this article. Marketing firm plays an integral role for a business like for those offering title loan for a car, entertainment, commercials and infomercials, product launches and everything in between.

What Exactly a Marketing Company Do?

No two agencies are the same. Their role in a business is going to vary widely. However, typically duties and responsibilities of a company include but not limited to the following:

  • Conduct research about the products and/or services, market competition, audience and the business itself
  • Plan a strategy to strategically position the business as well as its services and/or products to the market
  • Create a marketing language and visual design for the marketing materials
  • Generate core sales and marketing pieces from presentations, websites, email campaigns, ads, landing pages, social media and so forth
  • Advise or work on marketing budget
  • Plan and perform advertising strategy that’s within the budget
  • Track and report performance
  • Gather, analyze and use marketing information and;
  • Hold quarterly or monthly meetings regarding new promotions in place

The marketing agency will do their best to know more about the industry and product, think of a strategy on how to generate or sell sales leads and so on. As soon as the visual designs and core messaging are put in place and approved by the client, the marketing firm will then create a key sales piece in launching the product brand.

Progressing the Job and Duties after Establishing the Basic Needs

In most cases, the key sales pieces will include bigger efforts like multichannel campaign funnels, sales sheets and websites. By the time when everything are in their place, the role of the marketing agency will shift to monitoring its performance, driving more traffic and then, make necessary adjustments.

Driving traffic is a critical part of the marketing agency’s job. This could take in several forms such as traditional advertising, digital ads, TV/radio as well as social media.

In most cases, these are referred to as marketing tactics. The firm and the client have to figure out what strategy would work best with the needs of the client without going beyond their budget as well.

Date:Posted By:Category:Uncategorized

Seeking Financial Aid through Government Endorsed Programs

Were you financially impacted by the Covid-19 outbreak? If you do, then you might just be eligible for paid family leave, unemployment insurance, disability insurance, relief from financial institutions, student loan relief and statewide moratorium on evictions.

Let us say for example that you have unfortunately loss your job or perhaps had the work hours reduced and have met the eligibility requirements, you can get Unemployment Insurance or UI benefits from the Employment Development Department of California.

California Eviction Moratorium

California has released statewide moratorium in relation to renter’s residential evictions whose financial capability suffered because of the Covid-19 pandemic. The moratorium is valid from March 27 to May 31, 2020.

Say that the virus significantly affected your capacity to pay either the entire rent or portion of it, then you should:

  • Save your financial documentation
  • Explain your current financial situation to the landlord and relay how much you could pay
  • Pay as much as you can for the rent

In the event that the landlord is still trying to force evict you for not being able to pay the rent and has done the steps mentioned, that is when you should reach out to a local legal aid provider.

Getting Relief from Financial Institutions

California worked so hard is mitigating the financial burden brought by Covid-19 among its citizens who are struggling to pay their monthly bills and mortgage.

Several financial institutions like US Bank, Wells Fargo, JP Morgan Chase, Citigroup and almost over 200 state-chartered banks have made commitment of providing financial relief for homeowners and consumers in California to help them get through tough times.

Grace Period for making Mortgage Payments

The said financial institutions will be offering mortgage-payment forbearances of around 3 months or 90 days if your finances are heavily impacted by Covid-19. This allows people to delay or reduce their monthly mortgage payment. On top of that, they have to:

  • Provide streamline process to request forbearance for Covid-19 related reasons that’s backed with proper documentation
  • Confirm the approval of as well as terms of the forbearance program and;
  • Offer the chance of extending forbearance agreement if you continue experiencing financial difficulty because of Covid-19.

It is crystal clear that the pandemic has brought severe damage to worldwide economy and its citizens. Thus, having their business to shut down, be laid off at their job and everything in between causing their finances to be heavily affected. Regardless, you need to work on your financial literacy on how to navigate through these situations such as using professional services to invest in cryptocurrency and grow your money and the likes.

Date:Posted By:Category:Uncategorized

5 Unknown Low-Cost yet Effective Marketing Tips for Businesses

Are you currently sifting through the vastness of the internet to find a way to quickly boost your sales as well as profits? To top it off, on how you could execute such feat without having to spend significant sum of money and cause you to find experienced bankruptcy attorneys in case of unforeseen predicament?

See what will Bring You Money

If that is the case, then the tips that’ll you are about to discover in this article can be a big help in the process.

Tip number 1. Seek for low-cost methods on how you could improve the perceive value of service or product offered. Once you are done with that, perform a dry run on raising the price. Gauge your next move from the result of the price test.

Tip number 2. Limiting your customer’s decision to a question answerable by “Yes” or “No” helps big time. Of course between the two, you want them to choose the former. As much as possible, never include an option that will make them think “which one”.

This is due to the reason that the more options offered to them, the higher the chance that your consumers would procrastinate and never arrive to a decision. This ultimately makes you lose sales and profits.

Tip number 3. Give customers a demo of how low cost your service or product is. Fortunately, this can be done by giving them a breakdown of the price from its lowest time increment. For example, a product that would cost them only $1.30 a day or ($500 for the whole year). Your customers would be more enticed knowing that they only have to pay a small fee for something.

Tip number 4. Make sure to give surprise bonus to every transaction before you complete the sale. This will prevent customers to develop last minute hesitation and even change their minds to buy the product or avail your service. This is due to the reason that the surprise you offer is creating an illusion that they are getting more for their money, which in reality included in the pay they make. Again, it is all about creative marketing strategies.

Tip number 5. Prospect clients who are asking questions are oftentimes close to making a purchase. You just have to find their soft spot. You must know how you can capitalize on this and simply answering their questions will not cut. Instead, give them reasons why they should be buying your product or perhaps, personally lead them to make the purchase.

Date:Posted By:Category:Business, Finance, ManagementTag:, ,

Cash Flow Management : A Critical Financial Aspect When Running a Business

Cash flow management is critical to all types of businesses. Large or small, entities with cash flow issues often struggle when meeting monthly financial obligations. Aside from payment of day-to-day overhead costs including payroll, businesses might need additional cash to settle payments to suppliers, pay loan amortizations and in some cases, to invest in new equipment or technology, as well as make plans for expansion.

That is why cash flow is regarded by many as the primary indicator of the health of their business enterprise. A positive cash flow means money projected to flow in as results of business operation exceeds the funds needed to meet financial obligations as they fall due.

Conversely, a negative cash flow denotes that the business does not generate the expected income or has trouble in collecting and managing their receivables,converting their inventories, paying their expenses and liabilities.

Organizing the Basic Elements of the Cash Flow Concept

Based on what has been described above, there are three activities driving the cash flow of a business: business operation, financing and investing. A good business practice is to organize the financial information of the three activities by way of a Cash Flow Statement. That way, they can determine the actual financial conditions of a business.

An even better practice is to use those financial data in making monthly Cash Flow Projections. The projections will then serve as income benchmark and investment and financing parameters to follow when making financial decisions.

Cash Flow from Business Operations include cash received from customers during the month, whether as C.O.D. or as collection of receivables due within the month. This will be reduced by cash paid to meet ordinary operating expenses and payment to suppliers in the same month.

Cash Flow from Investing Activities Cash disbursed to purchase additional equipment, software or other forms of capital expenditure.

Cash Flow from Financing Activities – Money coming from this particular activities include the business owner’s investments, and funds derived from bank loans or lending institutions. Reductions of cash flowing from these activities will be by way of payments to periodically settle related loan/s and partial withdrawals made by the business owner.

Businesses structured as C corporations present different kinds of investment activities as they deal with issuing shares of stock for subscriptions as well as pay dividends to stockholders.

Rental Businesses Not Exempt from Cash Flow Issues

Although rental businesses may seem less complicated that those engaged in manufacturing, trading and service-providing businesses, landlords are likewise susceptible to cash flow issues. Problems usually arise when a great number of tenants do not pay on time or eventually fail to settle the defaulted payments.

Landlords with multiple properties and firms invested in property rentals, usually hire project management professionals to avoid cash flow struggles. Many have come to realize that the root cause of rental defaults are results of inadequate tenant screening or insufficient background checking.

U.S. states have sifferent laws that limit the reasons by which applicants can be rejected as tenants. Still legal reasons for rejections are usually supported by documents or recommendations gathered by way of background checking.

In Georgia, Atlanta, property management stockbridge companies offer conventional services that come with guaranteed results. These may include assurances for tenant replacement, pet damage protection, best price for property repair and similar other promises, all serving as proof that their property management services can bring positive cash flow results.

Date:Posted By:Category:Business, Finance

Financing the Cannabis Business: How to Manage It Properly?

Basically, the issue regarding the proper funding of the cannabis business is the complexity of its legalization. Based on the federal level, marijuana is actually not legal. However, when it comes to its utilization for recreational purpose, it is approved legally within nine states and in Washington DC. At the same time, it is also decriminalized broadly in many states.

Because of this decriminalization, the market is generally the main focus for those wanting to put up a cannabis business.

Bank Financing for Cannabis Industry

Since challenges for the marijuana industry still do arise because a go signal was not yet totally provided by the federal government. Having this scenario, almost all banks are under the governance of the federal government. However, the federal government categorized cannabis-related transactions as a criminal act, banks covered under the federal government cannot handle any cannabis money for Stocktrades.ca.

This is applicable even if the reasons for needing the money is for personal use won’t be a cause for approval. The main reason is that the bank is covered by the laws on money laundering. Once the bank is caught doing a money laundering act, heavy penalties should be imposed.

Alternative Financing Options for Cannabis Business

Since bank financing for marijuana business is not feasible, good thing, there are other financing options available. However, these alternatives are not the ideal ones, they are less stable compared to banks. Luckily, since they are not regulated under the FDIC, they are not obliged to comply on the same financial laws. And, another thing is that cannabis business startups with limited funding can now be possible.

Equity fund

Actually, there are three primary ways in order to get funding through equity. These are crowdfunding, angel investors, and venture capital firms.

Crowdfunding – this funding is very common for business start-ups.
Angel investors – this funding has an AngelList which contains section intended for assisting those who are in need of investing in cannabis.
Venture capital – this option is good for those who are planting funds for start-ups.

Debt fund

This financial options can be feasible through getting of loans via business credit cards. However, this seems to be a little bit trickier compared to the first one.

Online lenders – they offer short-term funding for marijuana business. But, they don’t give credit cards.
Debit system – the use of credit cards are permitted but a special debit system can be used.
POS systems – this funding system can allow to handle starting from the very beginning of the process up to the end point of sale.

Date:Posted By:Category:Business, FinanceTag:, , ,

Tips For Better Budgeting For The Year Ahead

The annual budgeting process is often inefficient, time-intensive and provides little value. The practice of budgeting shows that successful companies look beyond the financial content and also focus on ‘soft’ aspects such as culture and behavior. It is precisely this combination that enables companies to improve their results and strengthen their competitive position. After the summer, many companies restart their budgeting process to prepare the budget for next year.

The Importance and Use of Budgets Within an Organization

As an alternative, there has been a talk of ‘beyond budgeting’ for years, whereby the budget cycle is completely discarded. There are indeed companies that no longer have an annual budget round but work with ‘rolling forecasting’. However, this is a bridge too far for most companies. They do not want to abolish the budget but strive for a more efficient and effective process. But this should not be the case. Budgeting allows companies to look at current financial data whether the company has sufficient funds for future projects or whether the company needs to take out a loan, no guarantor needed. These are just a few scenarios where budgeting can help.

What does the budget process look like?

The process starts with the objectives and strategy an operating budget a liquidity budget an investment budget a balance sheet forecast. Project organizations – such as construction companies, machine manufacturers or business service providers – must also prepare a project budget as a fifth component.

How can the process and quality of the output be improved?

The budget cycle does not seem like ‘rocket science’ but is a difficult process in practice. It is not uncommon for companies to spend months discussing and adjusting the figures.

Ensure clear roles and responsibilities

The budgeting process is not a financial party for the CFO and controllers, but a company-wide process in the context of the strategy. The process is coordinated by ‘finance’ but the input must come from ‘the business’. After all, business managers can better assess what needs to be done and what is required for that. The business is the budget holder and owner of the figures, finance is responsible for the process and must make it into a coherent whole.

Don’t start too early and make a schedule

A budget is the result of the business plans. The condition is that the budget cycle has a short lead time and that there is a clear schedule stating who, what and when should be done.

Start with the sales, end with the cash

The budget process starts with the preparation of the operating budget. Finally, the liquidity budget can be made with cash flows from operational, investment and financing activities. If the company is ‘short of money’ then additional financing must be looked into in a timely manner.

Work with current data

Build the budget ‘bottom-up’ with volumes and rates or cost prices. Controllers need these input variables in their financial models to arrive at euro amounts. In addition, this allows the differences between the budget and the realization to be analyzed better later.

Manage the data

Special budgeting software can then offer a solution. There are also ERP systems in which the budget is made so that the realization can easily be compared with the budget later.

Work with scenarios

Scenarios are not predictions, but descriptions of a possible future. They provide insight into the consequences of potential events and help companies prepare for this. The development of scenarios is a learning process in which consideration is given to what the company can do if a certain event or situation occurs. By changing the input variables in the budget, what / if analyzes can be performed.

If the budget model is set up properly, then the scenarios not only pass on to the result but also to the balance sheet and cash flows. This allows companies to anticipate potential liquidity shortages and additional capital needs in a timely manner.

Budgeting is a useful activity if it is not seen as a financial exercise.

Date:Posted By:Category:Uncategorized

Business Startups with Limited Funding? Now it’s Possible!

Seeking channels to fund your marketing campaign particularly if you are a step off and want to launch your business off of ground can be quite difficult and tricky. It could take time before your company starts to rake profits and whether you like it or not, marketing is just behind operational and technical needs.

In an effort to make profits, it is imperative to spread your message regarding the service and/or product you offer. The question is left is, where you could get money to come up with effective and clever marketing campaigns? Well, one of the methods is by taking lawsuit settlement loans but if you really have tight funds, don’t fret. There are other alternatives you could try.

Start Saving

While it sounds impossible to set aside money when you are thinking of how to cope up with day-to-day expenses, saving money for yourself is actually a good option. Basically, saving even just a little per month for your marketing budget would make a huge difference as time passes by. The best part, you do not have to pay any interests or give shares away, like with other funding options.

Crowdfunding

These days, majority of the start-up businesses are utilizing this option.

It’s carried out by pitching your marketing idea or your business to willing and interested investors from different parts of the world. If they sense that your idea or business is something that they liked and has high probability to succeed, then you may be able to convince them to invest. Of course, this investment is in exchange of a certain percentage of your business.

Think of Shark Tank. Well, it is basically how it goes, minus the reality and drama of seeing your potential investors face-to-face.

Apply to the Bank

With any sterling business plans and bank, it’s feasible to be granted with business loan. Such loan can be extremely useful in fueling your marketing campaigns. However, you must be mindful of the fact that these loans come with certain interests and with that, it should be factored in when making payments on top of your cash flow. But if everything has fallen into place, this is a straightforward way of securing buffer fund for your business.

Seek Out a Grant

Well depending on the area of your business, it might be charitable or government grants that’s available for your venture. Check out the web to learn which funds are being handed to small businesses similar to yours and prepare an application to justify why you need to be granted with one.

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