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The task of raising money for a business is not as difficult as most people seem to think. This is especially true when you have an idea that can make you and your backers rich. Actually,
there’s more money available for new business ventures than there are good business ideas.

A very important rule of the game to learn: Any time you want to raise money, your first move should be to put together a proper prospectus.

This prospectus should include a resume of your background, your education, training, experience and any other personal qualities that might be counted as an asset to your potential success. It’s also a good idea to list the various loans you’ve had in the past, what they were for, and your history in paying them off.

You’ll have to explain in detail how the money you want is going to be used. If it’s for an existing business, you’ll need a profit and loss record for at least the preceding six months, and
a plan showing how this additional money will produce greater profits. If it’s a new business, you’ll have to show your proposed business plan, your marketing research and projected
costs, as well as anticipated income figures, with a summary for each year, over at least a three year period.

It’ll be advantageous to you to base your cost estimates high, and your income projections on minimal returns. This will enable you to "ride through" those extreme "ups and downs" inherent in any beginning business. You should also describe what makes your business unique—how it differs form your competition and the opportunities for expansion or secondary products.

This prospectus will have to state precisely what you’re offering the investor in  return for the use of his money. He’ll want to know the percentage of interest you’re willing to pay, and
whether monthly, quarterly or on an annual basis. Are you offering a certain percentage of the profits? A percentage of the business? A seat on your board of directories?

An investor uses his money to make more money. He wants to make as much as he can, regardless whether it’s short term or long term deal. In order to attract him, interest him, and persuade
him to "put up" the money you need, you’ll not only have to offer him an opportunity for big profits, but you’ll have to spell it out in detail, and further, back up your claims with proof from
your marketing research.

Venture investors are usually quite familiar with "high risk" proposals, yet they all want to minimize that risk as much as possible. Therefore, your prospectus should include a listing of
your business and personal assets with documentation—usually copies of your tax returns for the past three years or more. Your prospective investor may not know anything about you or your business, but if he wants to know, he can pick up his telephone and know everything there is to know within 24 hours. The point here is, don’t ever try to "con" a potential investor. Be honest with him. Lay all the facts on the table for him. In most cases, if you’ve got a good idea and you’ve done your homework properly, and "interested investor" will understand your position and offer more help than you dared to ask.

When you have your prospectus prepared, know how much money you want, exactly how it will be used, and how you intend to repay it, you’re ready to start looking for investors.

As simple as it seems, one of the easiest ways of raising money is by advertising in a newspaper or a national publication featuring such ads. Your ad should state the amount of money you
want–always ask for more money than you have room for negotiating. Your ad should also state the type of business involved ( to separate the curious from the truly interested),
and the kind of return you’re promising on the investment.

Take a page from the party plan merchandisers. Set up a party and invite your friends over. Explain your business plan, the profit potential, and how much you need. Give them each a copy of your prospectus and ask that they pledge a thousand dollars as a non-participating partner in your business. Check with the current tax regulations. You may be allowed up to 25 partners in
Sub Chapter S enterprises, opening the door for anyone to gather a group of friends around himself with something to offer them in return for their assistance in capitalizing his business.

You can also issue and sell up to $300,000 worth of stock in your company without going through the Federal Trade Commission. You’ll need the help of an attorney to do this, however, and of
course a good tax accountant as well wouldn’t hurt.

It’s always a good idea to have an attorney and an accountant help you make up your business prospectus. As you explain your plan to them, and ask for their advice, casually ask them if
they’d mind letting you know of, or steer your way any potential investors they might happen to meet. Do the same with your banker. Give him  a copy of your prospectus and ask him if he’d
look it over and offer any suggestions for improving it, and of course, let you know of any potential investors. In either case, it’s always a good idea to let them know you’re willing to pay a
"finder’s fee" if you can be directed to the right investor.

Professional people such as doctors and dentists are known to have a tendency to join occupational investment groups.  The next time you talk with your doctor or dentist, give him a prospectus and explain your plan. He may want to invest on his own or perhaps set up an appointment for you to talk with the manager of his investment group. Either way, you win because when you’re looking for money, it’s essential that you get the word out as many potential investors as possible.

Almost everyone needs or wants more money coming in, and with this desire most would like to start some sort of extra income producing project. The trouble is, not many of these people seem able to fit "a second job" into their time schedules.

It’s true that most people are busy, but extra time for some sort of home-based extra income producing project can almost always be found. It may mean giving up or changing a few of your favorite pastimes–such as having a couple of beers with the guys or watching TV–but if you score big with your extra income project, you will have all the time you want for doing whatever you what to do.

Efficient time management boils down to planning what you’re going to do, and then doing it without backtracking. Start by making a list of the things you want to do tomorrow, each evening
before you go to bed. Schedule your trips to the store or wherever to coincide with the other things you have to do, and with your trips to or from work. Organize your trips to take care
of as many things as possible  while you’re out of the house. take stock of the time you spend on the telephone—and eliminate all that isn’t necessary.

Whatever chores you have to do at home, set aside a specific time to do them, and a specific amount of time to devote to them. For instances, just one hour a day devoted to yard work would probably make your property the envy of all your neighbors. Don’t try to do a week’s work in one big flurry. Whether it’s painting your house, fixing leaky faucets, or mowing your lawn and trimming your shrubs, do a part of it, or one particular job each day, and you’ll be amazed at your progress.

Take care of all your mail the day, you receive it. Don’t let those bills and letters pile up on you. If you’re unable to pay a bill immediately, file it in a special place that’s visible, and note on the envelope the date you intend to pay it. Answer your letters the same day you get them.

Once you start listing and planning what to do, and then carry out your plans, you’ll find plenty of "extra time" for handling virtually any kind of home-based income producing project. People
in general may not like routines or schedules, but without some sort of plan as to what is supposed to be done, the world would be mired in mass confusion. Laws, ordinances and regulations are for the purpose of guiding people. We live according to an accepted plan or way of life, and the better we can organize ourselves, the more productive and happy we become.

The secret of all financially successful people is simply that they are organized and do not waste time. Think about it. Review your own activities, and then see if you can’t find a couple of
extra hours in each day for more constructive accomplishments. Use technology in the right way. You can get a 10 inch netbook and use it on your business.

When you begin planning, and then when you really become involved in an extra income producing endeavor, you should work it exactly as you have organized your regular day-to-day  activities—on a time basis. Do what has to be done immediately. Don’t try to get done in a hour something that’s realistically going to take a week. Plan out on paper what you have to do–what you want to do–and when you are going to do it. Then get right on each project without procrastination.

Finally, and above all else, when you’re organizing your time and your business, be sure to set aside some time for relaxation. Be sure to schedule time when you and your spouse can be together. You must not involve yourself to an extent that you exclude other people–particularly your loved ones–from your life.

Taking stock of the time you waste each day, and from there, reorganizing your activities is what it’s all about. It’s a matter of becoming more efficient in the use of your time. It’s really easy to do, and you will not only accomplish a lot more, you will also find greater fulfillment in your life.

I just love the new technologies. They allow us to learn new, exciting things form the comfort of our homes.

Years ago you should travel for mile to study and get a degree, now because of the Internet access and eLearning programs things are really easy. Getting and online engineering degree is fast and easy. All you need is a decent computer, internet access and a study contract with an accredited institution.

That it. You can study from home and get your degree. In the past I was a in a journalism program. I have received the info on my computer, learned it and got my degree. But more important I use the thing that I’ve learned in my every day life.

If you want to buy pure fiji be sure to get it from an authorized seller. Unfortunately in our world there are a lot of fakes so you want to be sure you get the genuine product.

Although not all replicas are dangerous some my harm you. This is the reason why people buy original products, not some cheap copies.

You must be very careful when shopping for products which can affect your health. Get the best you can afford and you won’t regret it.

Thou it seems that in today economy is hard to get a job, the statistics show that people who send out more CVs than the rest usually find a good job. Even in a bad economy there are opportunities if you take the time to find them.

You can find jobs in every work fields. For example Food Preparation Worker – Manager Jobs can be found by using a job specialize site or search engines. Also you can ask the business in your area if they need personnel and if you can leave a CV.