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Category: FINANCE ADVISOR


The downward trend of the economy continues. An old axiom in business says that the best time to start a business is during an economic downturn, but all indications point to the same downward trend in available venture capital.

It seems that most venture capital groups are sitting on cash, riding out the uncertainty that dominates the economy. It’s not that the money isn’t there; the groups are just unwilling to take a chance right now. Why is that?

The goal of most start-ups is to make it to initial public offering (IPO) or to be acquired by another company. The rate of failure in business start-ups is alarming. With the rise in fuel costs comes a rise in the cost of everything else, including capital equipment, labor and supplies, as well as construction and real estate. Companies that will not invest in their own business are very likely not going to acquire another company. With the high costs associated with starting a business, people are relying on initial profits fund their new business.

Unfortunately, these businesses that open on a shoestring are not surviving. Consumers simply will not spend money these days, the competition is high, and it costs too much to promote and advertise a new business.

How Venture Capital Helps Small Business Become Big Business

The influx of money in the initial phases of a start-up helps the business to acquire equipment, real estate, and anything else not associated with the day-to-day operation of the business. This type of investment helps the business to grow very quickly. Usually.

In this economy, consumer confidence is low. People are sitting on cash reserves and not buying new products… from small appliances to automobiles, they are either fixing what they have or doing without. Service industries have also taken a hit. More consumers are choosing to do it themselves rather than hiring a company.

Venture capital allows the start-up to buy the equipment and inventories necessary to grow quickly and begin making money faster than it otherwise would. It allows the new company to promote and reinvest, attract new customers and expand without spinning its wheels by making money only to immediately buy something it needs.

Helping the Economy

The importance of venture capital now is that many companies that have been successful in year past are no longer making money. They are stuck in neutral and not making any significant gains. Equipment wears out. Needed improvements to business infrastructure are constant. They need to compete in order to survive and to do that, they must improve their situation.

It’s not a trickle down or a trickle up theory; it’s a trickle out theory. The business buys equipment to make money by attracting more customers and keep people employed who build the stuff another company needs to supply the company… you get the picture.

It’s a web of economy. It’s one that needs to succeed in order for our economic system to succeed. Even the United State Government … READ MORE ...


Taking control of your finances can be an important step in securing your financial future. Taking professional financial advice can help you on your way.

Many of us will go through life without ever seeking financial advice from professional financial advisor, taking advice instead from friends, colleagues and online resources. While this may serve your needs to a certain extent you could be losing out.

You may want to seek professional financial advice if, for example:

  1. You are considering taking out a mortgage
  2. You are looking to join a pension scheme
  3. You are looking for an insurance deal
  4. You are considering taking an annuity
  5. You are looking to make an investment

The financial market is a complex place, with a huge range of products available whatever kind of service you are looking for. From mortgages and investments to savings and pensions, the vast array of products in each of these areas can be bewildering when trying to find the option that will best suit your future financial needs, and this is where taking professional financial advice could help you.

There are three main types of financial advisor available. Those tied to one provider, those tied to a number of providers, and independent financial advisors. If you’re looking for financial advice that will help you to make sense of the full range of products available on the market, it is a good idea to seek out a reliable independent advisor.

You will usually need to pay for professional financial advice, so you should always make sure you understand what your advisor is going to charge for a service before proceeding. You should also check that any advice taken comes from a financial advisor who is registered with the Financial Services Authority.

Whether you are seeking specific advice or general advice for future savings and investments a professional independent financial advisor may be able to help you to get the best deal for your money.

It is an independent financial advisor’s job to have an excellent understanding of the market and to tailor their service to your needs. With new products coming onto the market every day this can save you a lot of trouble and ensure that the financial advice that you receive is coming from a knowledgeable source.

Taking professional advice from an independent financial advisor could help you to save money in the long run.… READ MORE ...


Handful of people definitely realize the particulars in the finance industry, so a financial advisor is essential to obtain the top out of the investments. It may appear like you would not will need to have an independent monetary advisor, but private finance touches us all, irrespective of what our position.

Pensions are a prime example of how beneficial a economic advisor may be. Millions of persons have pensions of some sort. Some contribute to employer-led schemes, and a few will be claiming a public-sector pension in retirement, but a large quantity of us have a private pension, and understanding one particular of those may be a complicated job. Fortunately, an independent monetary adviser can help guide you through your selections that will help you to cease worrying about retirement arranging, and love your life!

A financial advisor can let you enjoy retirement in comfort

It seems like pensions are constantly in the news for one reason or another. Either some pension scheme has announced that they can’t afford to pay out what they thought they would, or the population is growing older and costing more. It’s really essential, therefore, to ensure that you plan accordingly, to ensure that you pay in enough now to make sure that you are comfortable later. The problem, of course, is that pensions can be an absolute minefield. Unless you have an expert independent advisor on hand to guide you through, the results could be catastrophic.

Luckily, the pensions industry has developed significantly over the last few years, and there are now a number of new options that you could take advantage of. Naturally, it would be a terrible idea to make these decisions on your own, though, so a good advisor will discuss your expectations and requirements, then offer only products that will suit your needs. Equally, many people are now deciding to emigrate to another country. If that’s you, special tax arrangements exist for any contributions you’ve already made in this country. Again, this is a highly specialised area that only a financial advisor can help with.

An independent financial advisor is just that – independent

Lots of individuals never make enough provision for old-age, and it’s a increasing trouble. An independent economic agent doesn’t operate for just one particular pension provider, so they will use their capabilities and understanding of your whole industry to provide you having a retirement strategy that’s fantastic for you personally. You can not be expected to know your pension selections by yourself, so get support from an independent adviser, and they will help to make sure that your future could be as satisfied as your present.… READ MORE ...


Debt comes in all forms, a mortgage, a personal loan, a car loan, and student loans. Then there’s a multitude of credit cards and maybe even some medical expenses. Before you know it what you bring in each month is rotating straight around and exiting out the back door. The good news is that you can reduce your debt and start to see some of your hard-earned money remain in the bank.

Successful Ways to Manage Your Debt

Creating a Plan

You may currently have piles of bills sitting on a table with no way to pay them and choose to ignore them. However, they won’t go away. If you don’t pay them you will soon receive letters from collection agencies, flowed by many phone calls. Once this takes place your credit score is now in a poor status.  In order to unravel the debt you’ll need to borrow money from a family member, or if that’s not possible, apply for an installment loan from an online lender like MaxLend at https://www.maxlend.com/installmentloan.aspx. While this is certainly not a permanent solution, it will allow you to bring your bills current and create a plan of action to tackle your debt.

One Step at a Time

Your debt didn’t happen overnight, and you must remain committed to reducing it slowly. You can start by contacting each creditor to see if you can temporarily reduce the interest rate to pay down the debt faster. If that doesn’t work, you still have other options. For instance, if you have many credit cards that are at or close to their credit limit, take one and work to reduce it to less than 30%. Once you have the first one under the percentage move on to the next one. The process may seem like it takes forever, but in the long run, you’re restoring your credit and paying down debt.

Paying Cash

Going forward you must take control of your spending and use cash for daily expenses. This may mean that you have to wait a bit for larger items you want like a new television or a gaming system. However, once you have the money in hand to pay for it, it’s yours, with no interest added and no future bill to pay.

Taking on a Second Job

If your debt is overwhelming and you simply don’t have enough to cover your monthly expenses, you may need to take on a second job, even if just for the short term until pay down some of the debt. Use your talents and sell your services. With the internet providing a wealth of opportunities for additional income, you may not even need to leave the home.

Getting Smart with Your Money

Let’s face it, you work hard to earn your money, and spending it on frivolous purchases is a waste. This is not to say that you can’t treat yourself from time to time, but making reckless spending a way of life is not in your best interest for a bright financial … READ MORE ...


Tis The Season To Be Cleaning

Falala-la-la-lala-lala!

Less than 10 days to go before Christmas! Well, aren’t you excited? True enough, there is a lot to rile you up during the holiday season. We’re talking about heaps and heaps of presents, scrumptious Christmas dinners, and rocking year-end parties. There is practically no season better than this.

But besides the merry-making, the holiday season has earned its infamous reputation for one other reason: Trash.

Just imagine. Every present you open has a corresponding gift wrap going to the trash. Every letter or postcard you read has a corresponding envelope that gets thrown in the waste bin. Every natural Christmas tree, wreath, garland, and flower arrangement you use as Christmas decoration gets thrown out after the season ends. Not to mention, that’s a hundred, maybe a thousand plant life, less to process the pollution caused by greenhouse gases.

You see, Christmas may be the season to be merry but it is also the season to be responsible. We can’t just have fun and think that everything will be alright. Thinking “Waste management isn’t our problem; let’s leave it to the government” is suicide. This kind of ignorance is what brought us to this time. It’s the way of thinking that brought about global warming, ozone depletion, and deforestation. This is what websites like Serenata Flowers have to say: Naivety, ignorance, and listlessness are three of humanities’ greatest enemies. When we choose to turn a blind eye to things that matter, we end up destroying what truly matters.

This Christmas, it’s time to spark up a revolution. It’s time to give birth to newer and greener traditions. There are many ways we can enjoy the holidays without having to ruin the environment. We must remember that beyond the festivities is the Earth suffering from our abuse. We should always give as much as we take.

You can start with promoting reusable wares. Forego the use of plastic utensils, cups, and bottles during Christmas parties and gatherings. Straws, especially, accumulate at an alarming rate during the holidays. Businesses, those dealing with food items especially, should also opt for biodegradable packaging. Cakes, pastries, cookies and the like should be wrapped in paper bags and boxes instead of the usual acetate. To top it off, people should really invest in reusable Christmas trees (the type that can be assembled) so that they won’t have to cut down a pine tree each and every year. Yes, it may feel a little different – no fresh pine scent, no natural leaves. But we’re telling you; it’s going to be a good difference.  Think of it as paying tribute to the world this yuletide season. After all, the world needs some Christmas lovin’ too.

Start the change with you. Learn to recycle waste materials after Christmas ends. Clean up after yourself and don’t just leave everything to the authorities. This is not one person’s battle; it’s everyone’s. So motivate yourself to do better this year, you’ll definitely get into Santa’s nice list!

Merry Christmas to … READ MORE ...