How Angel Investors Help Young Entrepreneurs


An angel investment is a sort of investment in which a business angel, angel investor, or an informal investor who supplies the capital for the start up of the business within the exchange of owner equity or convertible debt. In this type of investment, the investors organize them into networks for sharing their research and in addition pool the investment capital. Within the angel investment investors, unlike venture capitalists, invest their funds while managing pooled money that other people in a managed and professional kind of fund. These types of investment bear high hazards and are also subjected to the dilution from future rounds of investment. The investors want a higher return on their investment. The early stage companies usually fail on account of the lost of large percent of the investment. There are angel investors that are professional and they seek the investment having potential to return nearly 10 times or even more than its initial investment and in the 5 years.

The term ‘angel’ that can be used within the angel investment is normally originated from the Broadway where this term was used for describing the rich persons that are known for providing the funds for the theatrical productions. The investors that invest funds in this form of investment are normally retired executives or entrepreneurs, who have many interests in investing the cash for a number of reasons. The main reason include they want to make use of these networks and experience on full time basis and in addition, they want to monitor the new generation of entrepreneurs. Angel investors not only provide the funds nonetheless they are also involved in offering the important contacts along with useful advice about management. There are lots of ways of meeting to the angel investors that typically includes the conferences and symposia held by the investors.

Structured Settlements Provide Security and Minimize Stress


funny moneyDefined simply, a structured settlement is a payment made to an injured person or party (usually resulting from a court case) in regular installments. If a defendant can’t pay a huge lump sum amount for damages caused, he or she can pay the amount in monthly, quarterly or annual installments over a period of time. Or, a company that can afford the lump sum may set up a structured settlement for payment at the request of the court.

The idea of the structured settlement was introduced in the 1970s. The idea is that receiving a lump payment brings with it stress and responsibility, while receiving a regular payment over months, years or decades brings financial security and freedom. Thus, the structured settlement is meant to protect the person receiving the funds and help guarantee their future financial health.

The Benefits of a Structured Settlement

When a person sustains a permanent injury or illness due to the negligence or purposeful actions of an individual or organization, he or she may not be able to get back to work and earn a living in the future, or at least not in the near future. In fact, the injured person may have to live his new life in a different manner, depending upon the severity of the physical damages. The additional stress of dealing with large sums of money paid to them could simply become another problem rather than part of the solution.

A structured settlement can minimize the stress of having to manage a large sum of money to sustain long-term financial needs. While having a large sum of money sounds great in theory, most people find it very difficult to manage a lump sum, to use the money wisely over an extended period of time. In fact, sometimes people who receive a lump sum of money need to hire a financial consultant to help them manage their money in a way that will meet their financial needs for as long as possible.

A structured settlement makes money management easier. It does so by providing periodic payments, thus ensuring future financial security. This way, the person receiving the money does not have to worry about how to invest it, how to stretch it out over time, or how to choose a responsible person to manage the money for them. Instead, when you receive structured settlement payments you are left to focus on getting well or getting on with your life, while money continues to show up in your mailbox on a regular basis. It can be a wonderful feeling of liberation and security.

When Life Changes

Of course, the best laid plans of mice and men often go awry, as the famous quote tells us. Sometimes, life sends something unexpected your way and you may find yourself wishing that you suddenly had that lump sum of cash. The great news is that current laws allow you to sell your structured settlement payments to get the cash you need. You just have to find a reputable company who you can work with to buy your payments.

photo by: Materials Aart

Avoiding Egregious Business Finance Gaffes


James, I think your cover's blown!Start-ups are like small fishes in huge ponds. While they are at the beginners’ level, they still face challenges and risks that are faced by their bigger competitors. They require extra-ordinary efforts to excel, grow and keep up with the competition. Yet, the bitterest fact is that even the smallest mistake can sometimes completely overthrow their fate. So, as a start-up, your risks are higher and your whole existence might be at stake. While innovation and originality is the key to start-up success, it is very important to learn what others have learned through trials and errors.  Here’s some to be leery of.

Not Investing Properly

When you are starting a business, you will need to make investments so that your business will be able to grow. This is a difficulty when you are short on cash from just purchasing everything you will need to start your business or if you are short because you are trying to keep your business going. Of course, there are certain investments that will result in the highest profit margins so you will be able to have the kinds of profits that will make growth possible.  Marketing is one of the most important things you will need as a business in order to bring in more revenue so your company can grow.  You could start with the infamous loyalty marketing programs which financial management companies could help purport.

Poor Communication

If one wishes to communicate a thought or idea aptly, then he needs to state it clearly, so that it is conveyed in the correct manner and well understood by the receiver of the information. Clarity of mind and thought is the prime factor that helps to translate into clarity of words. Globally, English is recognized as the official language and is most important in carrying out the daily functions of communicating whether in personal or professional life. Written communication is the major area of concern for many.  Especially where finances are concerned, having the vocal prowess needed could often be conveyed by financial management professionals.

Ineffective Seminars

There are two ways to make money with Web Conferencing seminars – direct sales and indirect sales. The first is the one that most people think of when webinars are mentioned. The second is to increase brand awareness, which can produce longer term profits for your business. The difference is the primary purpose you are holding a web conference. If you are presenting a seminar that focus on attendees’ personal benefit – such as financial investing for retirement or selecting the right home at the right price, then businesses and organizations are eliminated from your marketing plan right away.

Poor Social Media Damage Control

Social media has been introduced to the world and taken over how people communicate.  Not just friend to friend, but with online groups, support services and businesses getting into the mix, there are few things you can’t accomplish on social media.  Because social media is available in so many different channels, there is a way to reach almost every customer your business has through a social media outlet.  Businesses that opt to utilize social media tools have quickly seen results and increases in total customer numbers.  Studies have been done to show that customers prefer to be validated with social media rather than with some sort of reward and, once again, financial management companies could help properly segment finances for your social needs, too.

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photo by: laverrue

Buyers And Sellers Finding Common Realty Ground


Real Estate SpeakIn the past five years, the US has been experiencing a massive crunch in the housing market, based on a decade of overconfidence in the idea that home values would climb upward unceasingly. Before long, it became apparent that this system wide over-evaluation was due to a housing boom based on predatory lending to potential homeowners who either did not have the means, credit or collateral to own a home. Since then, the value of homes has been slowly returning to pre-boom prices. However, long before the credit crisis, there was already a housing shortage due to the flagging national economy.

Texas investment properties

Preparing For Sale Or Buying

Selling your home privately can be an extremely profitable practice or it can be an extremely complicated and costly process. If you keep yourself informed and understand the process, the benefits of selling your house privately can far outweigh the negatives and you could end up with a large chunk of extra change in your pocket at the end of the process.  Keep this preparation scenario in your head when dabbling into new real estate markets:

It’s an all too common scenario for many newbie buyers. They’re looking to upsize newly bought or existing homes or make an investment into a property and the possibility of renting out the property comes into mind, nice and tidy and complete in your mind: easy as pie right? Well, it’s not difficult as long as you know what you need to know before you start.  Getting a residential real estate or investor mortgage and putting tenants into a home is counted as a business rather than a passive income; due diligence should be performed.

Haggling Closing Costs

In a perfect world, buyer and seller would always agree with the terms of the sale’s contract. In truth, negotiating over various components, including price and closing date, is quite normal and, very rarely, do things go smoothly during this negotiation process. There have been times where both the buyer and seller are ready to pull their hair out. However, if you would like the seller to cover the closing costs, there are several things you can do to make it happen and turn things in your favor.

Learning The Market

When it’s time to put your archaic house on the market, there is a lot of planning that must be done in order to prepare. Talking to a realtor, fixing anything that needs to be repaired, or scheduling an open house are all great ways to get your house ready for the open market. Also, it’s important to remember that the outside of your home can’t be neglected, and making the call for residential real estate expert intervention can ensure your final closing price is something that only sweetens the deal for potential buyers.

photo by: paulswansen