Venture capital can be a necessary way of financing for a lot of firms that would like to develop significantly, specifically in technology or medical fields where capital prices are huge. That being said, the relationship involving the vc’s and shareholders from the business could be an extremely odd one.
Most businesses considering VC funding as a way to accelerate growth have unique ownership structures. Typically, there are just a few individuals owning a significant number from the shares. Moreover, he or she is usually the same individuals who started the business over completely from scratch. This gives them both a psychological and financial tie to the business.
The average venture capital fund manager is looking to get what? A company with serious prospects of going public or becoming purchased. There is no emotional attachment to the organization whatsoever. The only motivation that the manger has would be to make a winner for his fund to ensure he and the investors may make money and that he can attract investors for future venture capital efforts too. That is all.
The relationship relating to the fund manager and primary business people can be an odd one at times. On one hand, are highly motivated to find out the company grows significantly to ensure financial rewards may be reaped. At the same time, however, the businesses have an emotional attachment to “my” company while the fund manager views it as being a “product.” This can lead to a conflict involving the two parties.
Is there some magical answer for handling these differing views? Not really. Keeping the lines of communication open is a vital thing, but it doesn’t always work. The best that could be offered is for individuals considering venture capital funding to essentially realize that the emotional attachment that they … Read more
Any type of loan whereby an individual borrows money is
referred to as finance loan. There are various types of loans like a secured
personal loan, unsecured loan, a mortgage or a line of credit will give you
access to funds that you may need for various functions. In addition, they have
different repayment terms and interest rates depending on the one you go for.
At one time or another you may need funding for your business or even your
When you are looking for funding, it is essential that you
get the right lending institution who will give you access to a suitable
finance loan with flexible repayment terms. The most common type of loan is the
business one. This is usually accessed by business people who either need the
start up capital or want additional funding or equipment to expand their
business. A business plan plus your credit worthiness are assessed before you
can qualify for this type of loan.
The secured loans are those that you can get if you show
that you have some form of assets that the lender can acquire should you
default on your payments. The risk is lower for the lender since they have
something they can claim and you have to make those payments so that you do not
lose your asset. Even with bad credit rating, you are still in a position to
access finance loans. You will be required to explain your situation but if you
are going for a secured loan, you have a higher chance of getting the funds.
However, the interest rates charged by the lender are higher in this instance.
Whichever type that you choose to go for, ensure that you
are in a position to make the repayments as promptly as … Read more
1.)The first thing is
to see if you have a surplus or deficit. People get into credit card trouble
when they have a deficit. This is achieved by tracking.
2.) Your goal is to
run a 20% surplus each month and save to 3 months of your survival number
explained below. You will need
3 months survival
money in a money market account. That way if your ever in a financial emergency
you have 3 months to get back on your feet.
3.) Write Down all
incoming money. Pay check’s, rebates, refunds, reimbursements, everything that
comes in, add up every month.
4.) Count how much
money is spent each month. This will be the total amount that is out-going
every the end of 3 months divide this
number by 3 and that will be your survival number.
5.) Divide your
out-going money into 2 categories. The 1st is hard expenses and the 2nd is
soft. The difference is items like rent or a car payment are fixed, or hard.
Soft items are like groceries that can change every month.
6.) Look at all your
hard expenses and attack each item with the intent of lowering. If it’s rent,
ask your landlord to lower. If it’s a cell phone bill, call and ask to lower.
If a car loan, attempt to refinance a lower rate or payment.
7.) On your soft
expenses, make a goal to lower each by 20%. So if your spending $500 a month on
average on groceries, work to get this to $400.
8.) The function of
counting incoming and outgoing money is compared to a business profit and loss
statement. Add your money coming in and subtract the out going. The goal here
is to create a surplus and invest this for the long … Read more
Managing all your property can sometimes be cumbersome and at some point, you will need help. Wealth management is a discipline whereby wealth owners can outsource services such as financial planning, investment portfolio among other services. These Wealth Management Firms undertake to provide those services. If you’re looking to grow your wealth tremendously, you will need to look for a firm that will manage your portfolio well. How do you choose the right management firm? Well, the following tips will enable you to identify the right firm for you.
Ask Them Who They Consider Their Ideal Client
Generally, firms target different client’s base. There are wealth managers who prefer clients with $50,000 and $300,000 worth of assets. Other firms prefer millionaire clients. Therefore, it will be wise for you to ask each wealth manager what their target group is. That way you will find your best fit.
Compare Their Services
If you’re not sure of the services you want the wealth manager to offer you, you will need to know the kind of services they offer. Different firms offer different products and services. There are those that focus on offering investment advice and others that extend their services to tax management and estate planning.
You will need to know its investment strategies and make sure they align to your goals. If you engage different firms and they don’t seem clear on what they offer and lack outstanding investment goals, you might want to look elsewhere.
The Cost of Their Services
The wealth firms don’t offer free services to their clients. Usually, they charge a commission on the products they sell or assign a fee to their services. If you don’t want to part with a lot of cash, you can choose a fee-only advisor.
The value for your money … Read more
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