Pathway To Success
Irena Whitfield, the Internet Business Consultant You Need If You Want to Succeed In Business Online! Published since 2000     Publisher Irena Whitfield
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iwhitfield@thecassiopeia.com http://www.thecassiopeia.com/

Volume 13, Issue No 24, Circulation: under revision, 1st Dec 2013
Next Issue: 15th Dec 2013


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What would you do if you knew you could not fail?
Robert H Schuller

Editorial:

Wonderful publishing Sunday, my loyal Readers! Winner - TopRank Reader Poll

Today, I'd love to ask you to join me in this very special project:

Billions Rising promotes Solving Problems with a Hand Up, not a Handout

There are better ways to overcome challenges and eradicate poverty.

Billions Rising is a real-world documentation of the old proverb which tells us if you give a man a fish, you feed him for a day; but if you teach him how to fish, you feed him for a lifetime. Across the globe, there are well- meaning organizations giving handouts to people in need. But the more sustainable solution comes from the projects, non-profits and companies who strive to give people a hand up rather than a handout. While mainstream media buries these inspiring stories, Billions Rising shines the spotlight into the darkness and boldly proclaims what the world tries to ignore: a foundation for self-reliance is the best gift that anybody can receive.

This book is a project of The Billions Rising Foundation, a 501(c)3 non-profit organization that documents and highlights efforts of people and organizations around the world that are empowering others to become self-reliant.

Buy this book today to help support the promotion of self- reliance around the world

Our mission at the Billions Rising Foundation is to explore anything that is helping to empower self-reliance. We’ve talked to charities that go beyond handouts, focusing on education revolution and new potential in the technologies that connect us. We are finding that collaboration is always at the heart of the best programs. Self-reliant does not mean “living alone” but today is part of the connection to our fellows that allows individuals to take responsibility, collaborate, and make a difference.

The Billions Rising Foundation is dedicated to the idea that this abundant world has everything we need for each person on the planet to live in prosperity. We believe that poverty will be eliminated through education, action, innovation, entrepreneurship and collaboration. Each of us can make choices to become self-reliant ourselves and then reach out to help others do the same. Click here to get it.

"Rather than look to the world for charity because people hold themselves as incapable of providing for themselves, this book’s message is clear: We all can build our self- esteem, believe in ourselves, and inspire others through our example.” Dr. Joe Rubino, Creator, TheSelfEsteemBook. com, HighSelfEsteemKids.com

A little note: our 2013 Calendar is all about puzzles... Check it by clicking here.

Plus as a valued subscriber, you can get a new toolbar of mine by clicking here.

Enjoy and stay tuned, your Pathway To Success is back in 14 days...

Irena Whitfield Sincerely,


Irena Whitfield
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  • Today's Feature Article
  • Methods of financing a business
    Hannah White

    Firms use a variety of approaches and resources to cover the necessary expenses of their operations and fund investments to maintain and grow their business. Financing options and choices depend on a variety of factors including the size, industry, life cycle stage, incorporation status of the business, as well as its profitability, operations, long-term strategy and short- term challenges. Often, firms use a combination of financing alternatives to fund their various needs and initiatives.

    The various options differ along a number of features. Some rely on external funding sources, others utilize resources available internally within the firm. Different financing choices carry different costs. Some funding comes with explicitly stated financing charges and schedules. Others result in no repayment guarantees, but have implications on ownership and distribution of future profits.

    Equity financing

    Equity financing provides capital to the business in exchange for partial or full ownership rights in the business. Equity financing carries no explicit cost or financing charges, but the provider of funds becomes a claimant on the firm’s future profits. Businesses raise funds via equity financing infrequently, as it has wide- ranging implications on ownership. Typically, equity infusions occur at the beginning of a business’s life and at specific, significant growth points in its life cycle.

    A variety of individuals or businesses can provide equity financing to a business. Small business owners and partners purchasing the necessary supplies, materials and equipment for their start-ups from their own savings provide equity capital. For already existing, early-stage, high-growth businesses angel investors and venture capitalists can provide additional equity financing for continued expansion. Investors buying the shares of a newly public, IPO company become equity-holders of that firm.

    Debt financing

    Debt financing always carries financing charges in the form of pre-set interest or a higher principal amount to be repaid at the end of the debt’s term. There is an almost infinite variety of debt financing instruments available, some of these are extremely complex and sophisticated deals. The most important features of debt are the available debt amount, the financing charge or interest rate and the schedule and size of repayment obligations.

    The cost of debt financing is a function of a number of factors, including the financial strength of the business requesting the financing, the term of the debt and the availability of collateral for a secured debt obligation. While debt can be costly, it has no immediate implications on ownership. Firms widely use the various forms of debt for a variety of purposes: covering short-term financing needs or for raising funds for long-term purchases and investments.

    Smaller businesses tend to use simpler debt financing deals. Early startups often utilize some form of informal peer-to- peer or family loan to cover initial investment needs. Most businesses rely on credit cards, with the newest and smallest ones using this expensive, unsecured type of credit for most of their funding needs. More established businesses rely on credit cards for short-term funding, only. Most firms also have access to a line of credit with their financial institution. Some may turn to longer-term loans to fund specific projects. Mortgages or secured loans supported by collateral are often used for purchases of property and equipment.

    Large corporations issue their own debt by selling short- term commercial papers or medium and long-term bonds to financial institutions or private investors. The notes and bonds sold by the firms carry specific promises for periodic payments and the repurchase of the instruments at a pre-set price based on a pre-arranged schedule.

    Providers of debt financing can pursue the company for failing to meet its debt obligations, which can be costly and highly disruptive for the business.

    Leasing

    Leasing is technically a form of debt financing, however it has a specific role in financing investments in equipment and property. In its simplest form, it allows the business to purchase a piece of machinery via installment payments made over time to the leasing company. Leasing allows small companies to slowly build up their necessary fixed asset base. Larger companies in certain industries, such as airlines or retail, rely heavily on leasing, as well, for a variety of reasons including increased flexibility, access to additional services and risk reduction.

    Sale of assets

    Equity and debt financing tap external resources for funding. Firms can turn internally available resources into cash. Businesses may decide to sell existing assets for a number of reasons: to avoid high costs of external financing, to eliminate unnecessary assets, due to lack of external funding options or in a distressed situation.

    Many firms decide to sell specific types of assets, such as receivables in a factoring transaction routinely. Others may turn to asset sales only when exiting a business line or market. Assets sold can include individual pieces of machinery for small firms or entire units or subsidiaries for large corporations. Often, the sale of assets can have a significant impact on the remaining business.

    Financing from cash flow from operations

    The financing of routine, day-to-day operations should ideally be covered by internal sources: the cash flow generated in operations. While this is typically not immediately achievable for new businesses at inception, and established businesses may sometimes experience shorter periods of operating cash flow falling short of ongoing financing needs, any viable or sustainable business should be able to do this under ordinary circumstances. In fact, with the exception of early stage and significant transformational situations, the business’s ability to fund its ongoing activities from internally generated cash is a pre-requisite for securing additional external financing for new projects and growth.

    ********************************
    To read more articles by Hannah White, click here.

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