Hello and welcome to Rim Digest, the ezine for
"Responsible Internet Marketers".
Striving to be the BEST resource for Small Biz Owners...
December 25 volume 8-issue 52
Merry
Christmas to all who celebrate!
Your editor: Jan Tallent, rimdigest@usa.net
Rim Digest ezine: http://www.rimdigest.com/
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Today's Issue Contains:
Publisher's Spot
Featured Article: How To Raise Money For Starting A Business
Positive Quotes
Feedback
Recommended eZines
Publisher's Goodbye and Legal Stuff
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For the first time EVER in almost 9 years of doing
Rim Digest I totally FORGOT to do the issue. With
yesterday being Christmas I had planned to still
send the issue on Thursday and had NEVER missed
but went to see my Mom at the rest home and got
to keep my now 7 month old grandson, Brayden,
for three hours and the day just totally got away
from me! Hard to believe this is the last issue
of Rim Digest for 2008, the year reallly flew by.
Today, my daughter Crystal, her husband Chris,
his older daughter Elizabeth, his son Nathan
and their daughter ( my princess Madison
grand daughter ) are on their way. Along for
the ride is what we are calling the "bump"
as Madison is due to get a baby brother in
April. I have not seen them since September
so the "bump" was not even noticeable.
This will be an extra added treat for Grandma.
Daughter got here with grand daughter and my
son and I went and got my grand son, here we are:
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My daughter had never got to meet her nephew and
the cousins had never met until today :-)
You have got to see this video of a 4 year old
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Featured Article
How To Raise Money For Starting A Business
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 directors?
An investor uses his money to make more money. He wants to
make
as much as he can, regardless whether it's a 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.
Don't overlook the possibilities of the Small Business
Investment
Companies in your area. Look them up in your telephone book
under
"Investment Services." These companies exist for
the sole purpose
of lending money to businesses which they feel have a good
chance
of making money. In many instances, they trade their help
for a
small interest in your company.
Many states have Business Development Commissions whose goal
is
to assist in the establishment and growth of new businesses.
Not
only do they offer favorable taxes and business expertise,
most
also offer money or facilities to help a new business get
started. Your Chamber of Commerce is the place to check for
further information of this idea.
Industrial banks are usually much more amenable to making
business loans than regular banks, so be sure to check out
these
institutions in your area. insurance companies are prime
sources
of long term business capital, but each company varies its
policies regarding the type of business it will consider.
Check
your local agent for the name and address of the person to
contact. It's also quite possible to get the directories of
another company to invest in your business. Look for a
company
that can benefit from your product or service. Also, be sure
to
check at your public library for available foundation
grants.
These can be the final answer to all your money needs if
your
business is perceived to be related to the objectives and
activities of the foundation.
Finally, there's the Money broker or Finder. These are the
people
who take your prospectus and circulate it with various known
lenders or investors. They always require an up-front or retainer
fee, and there's no way they can guarantee to get you the
loan or
the money you want.
There are many very good money brokers, and there are some
that
are not so good. They all take a percentage of the gross
amount
that's finally procured for your needs. The important thing
is to
check them out fully; find out about the successful loans or
investment plans they're arranged, and what kind of investor
contacts they have ---all of this before you put up any
front
money or pay any retainer fees.
There are many ways to raise money ---from staging garage
sales to
selling stocks. Don't make the mistake of thinking that the
only
place you can find the money you need is through the bank or
finance company.
Start thinking about the idea of inviting investors to share
in
your business as silent partners. Think about the idea of
obtaining financing for a primary business by arranging
financing
for another business that will support the start-up,
establishment and developing of the primary business.
Consider
the feasibility of merging with a company that's already
organized, and with facilities that are compatible or
related to
your needs. Give some thought to the possibilities of
getting the
people supplying your production equipment to co-sign the
loan
you need for start-up capital.
Remember, there are thousands upon thousands of ways to
obtain
business start-up capital. This is truly the age of creative
financing.
Disregard the stories you hear of "tight money,"
and start making
phone calls, talking to people, and making appointments to
discuss your plans with the people who have money to invest.
There's more money now than there's ever been for a new
business
investment. The problem is that most beginning "business
builders" don't know what to believe or which way to
turn for
help. They tend to believe the stories of "tight
money," and
they set aside their plans for a business of their own until
a time when start-up money might be easier to find.
The truth is this: Now is the time to make your move. Now is
the
time to act. The person with a truly viable business plan,
and
determination to succeed, will make use of every possible
idea
that can be imagined. And the ideas I've suggested here
should
serve as just a few of the unlimited sources of monetary
help
available and waiting for you!
Jan Tallent is the editor of Rim Digest eZine at
http://www.rimdigest.com/
and also known as the
Marketing Warrioress at http://marketingwarrioress.com/
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Positive Quotes
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It is the cheapest of pleasures,
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-- Erastus Wiman
and
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These three alone lead to sovereign power.
-- Lord Alfred Tennyson
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Feedback
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"Bye" for now and thank you for reading. I
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you" for
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po box 858 - Steelville, MO 65565 USA