The term “Angel Investor” has become very popular in recent years. For those who are still new to this term, an angel investor can be a person or a small business that has substantial net worth and is interested in investing in a private company that is in its early stages of development. New business owners try to find those types of investors who are willing to offer the initial loan to get the business going. However, the main point of difference between angel investors and normal investors is that the former seem to expect a high ROI or return on investment.

How to find an angel investor?

1) Near your home or workplace: You can start by looking for an angel that is close to your place of business. Although this is not a mandatory criterion, however, a person who stays close to your business area can easily be courted into investing funds in your business.

2) Family and Friends: The first search for your angle investor should start with your family and friends. Often times, people close to you will be willing to invest in your business, but if you don’t reach out to them, they may be hesitant to take the first step. However, most critics are of the opinion that this is not a good way to start a business. Involving your family and friends in the business could create gaps in your relationships and could negatively affect the business.

3) Impressing Angel Investors: You need to attract angel investors and a carefully designed business plan is imperative. It would be better if you could present the working prototype of your company. The angels would like to see for themselves if their investment will be able to give them a high return.

4) Be part of your company: To prove your worth to your angel investor, you can allow them to be part of your company. They can help you establish your business and can impart their valuable information and advice on how to run your business. This is a great way to earn their respect, and it will also help them understand that you are real.

Finding angel investors will not be a problem if you have the determination and hard work to start a successful business.

The origin of cookie jars began in Great Britain. First known as cookie jars, their first use began in the late 18th century. These early cookie jars usually found in grocery stores were usually made of glass with metal lids. The earliest types were cylindrical shapes with floral or leaf-painted decoration. It wasn’t until 1930 that stoneware became the predominant material for American cookie jars.

The first ceramic cookie jar was made at the Brush Pottery Company in Zanesville, Ohio. This green jar with the name “Cookies” on the front, started a trend in which the words “Brush USA” were stamped on all of its jars. Since then (1930s), a variety of cookies of different shapes and representing different intellectual characters have been produced. The most prominent period of cookie jar production was between 1940 and 1970.

From collector’s styles with vintage coke cookie jars to holiday types, a great selection of cookie jars are available for everyone in your life. With types of animals illustrating pigs, bears, cows, roosters, and cats, just to name a few, the wide variety of jars allows anyone to find one to suit their personal preferences.

Character cookie jars are also popular with Winnie the Pooh and Betty Boop styles. The continuous variations of the jars give the ceramics a collector’s appearance. With a large selection of jars, many have started creating a collection of specific types of cookie jars. This fun aspect of collecting something different makes the cookie jar industry much more successful than previously thought.

Popular Cookie Jar & Cookware Topics:

• Animals like frog, rooster, cow, dog, cat, pig, bear, fish, tiger
• Characters such as Snoopy, Garfield, Teenage Mutant Ninja Turtles, Betty Boop, Muppets, The Flintstones, and Scooby Doo
• Popular brands like Coca Cola, Disney or Warner Bros.

In the past, many professions allowed an employee to train on the job, and many still do. However, these days, jobs of value require candidates to have an Associate’s or Bachelor’s degree to be considered for the position. Universities are adding new programs each year as companies require new credentials. It is important to know that just because a university offers a program in an area you want to focus on does not necessarily mean that companies in your industry require it. Sometimes it is best to research the field you want to enter and check what there is to offer before going to school.

There are many professions in which you can enter a business with little more than the knowledge you have gained in life and in high school. Some companies will hire you at whatever level of education you’ve achieved up to that point. This is because they require you to attend their own training seminar or they will offer you a tuition reimbursement program. This is a great way to get your foot in the door, gain experience, and have your education paid for. If you have such a company that you are interested in, be sure to fact check their educational program. Many of them require you to work for them for a specific period of time, or you will be required to pay back the tuition or investment they made in you.

Getting into a company that offers on-the-job training or tuition reimbursement isn’t always easy. Before they consider it, extensive testing is done to make sure it’s up to the task. Some companies have tests that take up to 8 hours to complete. It is easy? Absolutely not. But if you think you have a relatively complete bank of knowledge, go for it. Just remember, theses are the kind of tests that don’t allow you to take them again. Therefore, you must be prepared and focused for each type of question.

Financejobz.com encourages people to do their research before diving into an education they don’t need or creating a lot of debt with college classes that they could take for free.

After more than four decades of involvement, in almost every area of ​​leadership, from identifying and qualifying, to training, developing and consulting with thousands of current and potential leaders, in addition to serving as a leader. For a variety of organizations, industries, non-profit organizations, for-profit businesses, and also working on various political campaigns, I firmly believe that one of the keys, for someone, to make a difference for the better, is, leading – with – the – example! Unfortunately, these days, we seem to have, in a way, a dearth of genuine leaders, both in organizations and in public service. Whether we examine civic, corporate, nonprofit, or public leaders, this trait and behavior is important! With that in mind, this article will briefly attempt to consider, examine, review, and discuss why this is important and how we all benefit when a leader behaves consistently and accordingly.

1. Someone is always watching: It is important to behave and behave consistently, as if someone is always watching, because, these days, that is often the case! We need ethics, morals, empathy, and someone who always puts the best interests of constituents / stakeholders / others, ahead of any personal / political agenda and / or self-interest! Remember, others are much more willing to listen and follow someone who consistently leads by example.

2. Lead by example: It is one thing to claim that you are leading by example, but it is quite another to do so. A true leader must step forward and consistently seek to make quality change, for the better, in a relevant, sustainable, and well-considered way. When we witness someone, who proceeds, in a way that indicates that he believes, you should: do what it says, not what it does, Why would anyone want to listen and / or follow?

3. Absolute integrity: Leaders must meet higher standards, especially in terms of acting with absolute integrity, ethics, morals, and empathy. If you want others to believe what you recommend, your focus should be, do your best, provide, true transparency!

Four. Genuine empathy: Others are inspired and motivated when they feel that their leader genuinely cares and possesses genuine empathy. For example, although President Donald Trump maintains a core of staunch supporters, polls indicate that he is among the most unpopular and most distrustful presidents of all time. In addition to his personal politics, rhetoric / vitriol, and other behaviors, many claim that what worries them most is his apparent lack of empathy.

5. Common good, instead of personal / political agenda and / or self-interest: What an example someone is setting, when they seem to be putting their personal / political agenda, and / or their own interest, ahead of the greater / greater good! If people don’t believe, you are serving and representing their best interests, and setting an example, we need and respect you, they probably won’t be willing to follow you!

Whether we are considering a leader, in the public sector, not-for-profit, and / or for-profit, unless / until that individual clearly leads by example, they are probably not the right fit. individual, for that position! Demand better and more, and choose wisely!

The truth is … There is NO magic button to push and send affiliate marketers a tsunami of cash. I wish it was possible, but the button only starts working when YOU do. Most of our problems come with too many shiny objects that someone has convinced us we must have in order to be successful.

Guilty of the charges. I have more shiny objects waiting for me than any of us would admit. Do not do it! Save your money. Work with the ones you already have in your restraint system.

No one is going to give you the keys to the vault. If they had all the answers, their bank account would be so full of money that they would be on a cruise around the world or sitting on the terrace of their private property. You can be sure that they are NOT thinking of teaching you how to make money. Believe me, I know them personally, I already have the shirt.

Now, let’s see if we can at least find some value in this message. Affiliate marketing offers many opportunities to earn money, making it one of the fastest growing industries on the web. Every year billions are made (with a B). It is attractive and attracts many people to seek their fortune, but there is a lot of room for you and me, since saturation is not possible.

Regardless of what you choose to do, get a coach, a teacher, with the knowledge to guide you. It’s serious work, not for weak or shiny item hunters. Affiliate marketing requires your best effort, perseverance to reach the goal called success.

Be realistic in your expectations. Set reasonable goals that you want to achieve. Don’t start with the idea of ​​making a million dollars in the next 30 days, it is not going to happen. Most start with $ 1,000 of hope of accomplishment and try their best. Does everyone make it? Absolutely not! Just don’t give up without giving affiliate marketing a fair trial.

Good things are happening in the market. More and more people are discovering affiliate marketing, which should lead to more success. First, choosing the “right” program is step # 1 before you can start your business.

Never, NEVER, try to market a product or software without personal experience, product use, or some people will consider it a fraud. It’s like driving a FORD to work and trying to sell a CHEVY to your prospects.

Value is the key consideration for every product. Your future clients are not concerned with your commission, but with your personal testimonial of their own successes with the product. IF you can’t witness the value, the money you’ve earned, or give me a good reason to buy, forget about trying to pass it on to someone else. Simply good business ethics that pays huge dividends.

If the owner of the product or software doesn’t make money, don’t expect me to throw my money into the same trap and lose my money too. We are looking for something that excites our buyers when they follow our example. I would never promote an affiliate product without knowing that it has proven value.

Affiliate marketers are looking for the next gold mine, CASH COW, not a problem down the road. How often can you expect to get paid your commissions? Some merchants pay right away, while others hold out for a month or two, which isn’t very exciting for being on the waiting list.

Also, it is important that you get credit for your referrals. Your merchant’s website has to use cookies to track where the customer is coming from or YOU won’t get credit for all of your referrals. Once your referral visits a site, you should get all the credits due, however that is NOT always true. Be sure to read the merchant’s affiliate commission proposal or you may come off on the short end of the deal.

The speaking world is full of forms and contracts; The two most important are the contract that you will fax to the meeting organizer who agreed to hire you and the pre-program questionnaire that you will send to the organizer before the event.

Your credibility is at stake with each of these documents; they must be highly professional.

Here is a sample reservation contract:

Reservation contract

____________________________________________ (ABC

Corporation) has agreed to hire ________________ (Ms. Spokesperson)

to speak at the convention held at ______________ (time)

_____________________________ (location) at

_______________ (dated.

Deposit and Cancellation Policy:

o A 50% advance is required with the return of the signed agreement.

o In case of cancellation of the program, Ms. Speaker will rebook the program on

or a mutually convenient date without penalty. Due to the possible loss of income of the speaker, the cancellation of this date with less than 30 days before the event carries a penalty for not being refundable the deposit.

Travel and accommodation:

o All rates are as quoted, plus travel expenses. Ms. Speaker will reserve the entire airfare and expenses will be billed after the program has been completed. Airfare is always prorated when the itinerary involves multiple customers.

o The speaker’s accommodation, meals and ground transportation will be billed directly to their organization.

Support materials:

o Please note that the speaker’s materials, written, oral or visual, are copyrighted and may not be used or reproduced without the written consent of the speaker.

o Participant brochures are billed separately.

Audio / Visual

o You cannot make any recording, audio or visual, without the

prior written permission of the speaker.

o The speaker reserves the right to make books available

and A / V materials for sale or display to participants with customer approval.

While it is standard practice for the client to cover travel and accommodation expenses, some speakers charge a flat fee to cover travel expenses. It cuts down on paperwork and is something the client can budget for ahead of time.

I recommend having a flat rate policy, as it means that payment of expenses will be included in the final check you receive on the day of your speaking participation.

Another benefit of having a flat rate policy means there is no

unpleasant surprises for the customer long after the event ends and you receive

a huge bill for expenses.

Regardless of how you decide to manage expenses, it is important to inform clients up front and be consistent with each client.

Once hired, you must send the client a pre-program questionnaire to help them personalize their speech to the needs of this particular group. This questionnaire should cover aspects such as confirming the time, date and place of your speech, the program agenda, if there are other speakers before or after your speech, the theme of the conference, the expected number of attendees and any other information to help you do so. better stage work.

Professional contracts will make your job a lot easier and give you a very professional look, which of course it is!

In general, business growth is accompanied by an increased number of employees, which in turn is accompanied by increasing tax challenges and employee benefits. Many business owners may be tempted to minimize the impact of these challenges by classifying workers as independent contractors rather than employees. However, it is critical that business owners correctly determine that the individuals providing the services are employees or independent contractors.

Business owners have several legal obligations arising out of wages, including the responsibility to withhold income taxes, withhold and pay Social Security and Medicare taxes, pay unemployment taxes on wages paid to employees along with various payroll filing and reporting requirements. In contrast, the legal obligation of independent contractors is very limited and includes the annual preparation and filing of Form 1099.

A key factor in determining whether a person providing services is an employee or an independent contractor is the question of control; consequently, all information that provides evidence of the degree of control and independence should be considered. According to the Internal Revenue Service (“IRS”), the facts that provide evidence of the degree of control and independence fall into three categories: (1) behavioral: the company controls or has the right to control what the worker does and how the worker does worker does his job; (2) Financial – The business aspects of the worker’s job, including how the worker is paid, whether expenses and ownership of supplies, tools, and equipment are reimbursed, are controlled by payment, and (3) the type of relationship: when the type of work performed by the worker represents a key aspect of the payers’ business; and the worker renders services exclusively for pay; the worker is most likely an employee.

It is critical that business owners consider the entire relationship, consider the degree or extent of the right to direct and control the relationship. In addition, business owners must document the factors used to arrive at the determination.

Misclassifying employees as independent contractors can result in significant costs, as the employer may be liable for payroll taxes on those employees. However, if there is a reasonable basis for an inaccurate classification, the employer may obtain partial relief of associated financial responsibility, subject to compliance with certain corrective actions from the IRS, such as participation in the Voluntary Classification Agreement Program, (” VCSP “). Under the VCSP, taxpayers have the opportunity to properly reclassify their workers for future tax periods, with partial relief from federal employment tax obligations.

In regards to the purchase and sale of an early childhood business (daycare or school), a Letter of Intent (“LOI”) is a written statement that expresses the intention of the participating parties to enter into a formal agreement. An LOI is not a formal agreement or a binding contract. The LOI has the very important purpose of defining the agreed terms of a transaction so that there are no misunderstandings between the parties, but it does not provide the details found in a Purchase Agreement.

Letters of intent vary in length and amount of detail; however, the goal is to provide enough detail so that the main concerns are defined, but not so much that the document borders on a purchase-sale agreement. The following information is in a well structured LOI:

FOR. LOI date.

B. Names and titles: this area should include the full names of the buying, selling and brokerage companies and the individual signatories of each of these companies together with their corporate titles … President, Secretary, Partner, Managing Member … etc .

vs. Contact information for each of the companies and their representatives.

D. Asset Identification: The LOI must identify the assets to be bought and sold in the transaction. For example: ABC Childcare, Inc. assets and real estate held in the name of XYZ, LLC and used in the operations of ABC Childcare, Inc. Such real estate and assets are located at 123 Main Street, Any Town, Any State, 12345 .

ME. The purchase price.

F. Amount of the deposit in good faith of the buyer and the company responsible for the escrow.

GRAM. Transaction Terms-Examples: All cash at closing … or $ 2,000,000 in cash and $ 250,000 payable at closing.

H. Information regarding any lease that the buyer must enter into. Example: Buyer and Seller agree to enter into a triple net lease with an original term of 10 years and three five-year options. Annual increases in the lease rate will be the lesser of the CPI or 2.5% of the previous year’s rent. Again, the LOI is not drafting the lease. Just set the primary terms.

I. Transaction contingencies. Contingencies are items that would likely cause the buyer, seller, or both to walk away from the transaction in the event of a disagreement. For instance:

I. All cash and accounts receivable increased up to the closing date will remain the property of the SELLER.

ii. Buyer’s good faith deposit will be refunded in full should buyer’s due diligence reveal unacceptable conditions.

iii. Buyer and Seller agree to pay their respective closing costs.

iv. Buyer’s good faith deposit will be fully refunded in the event buyer financing is denied and written verification is sent to XYZ Brokerage, Inc. on or before July 1, 20XX.

v. Buyer will provide written verification of down payment funds in the amount of not less than $ XXX, XXX upon signing the LOI.

saw. Buyer and Seller agree that Seller is responsible for payment of brokerage fees to XYZ Brokerage, Inc. in the amount of $ XXX, XXX.

J. Closing Date: The closing date should be set on or before … the closing date to provide flexibility to the parties involved. Unless terms to the contrary or “timeline contingencies” are stated, it must also be stated that the buyer and seller agree that the buyer has the exclusive right to purchase said assets up to and including the Closing Date.

K. Timeline contingencies – These contingencies are what keep a transaction moving at a timely pace. While almost every transaction will have its challenges, it is important to take a close look at the amount of time used for the various threads, such as finalizing the purchase agreement, securing financing, obtaining license approval, completing Phase One inspections. , get a real estate appraisal. , have staff fingerprinted (in some states) … etc. A delay in one process can cause delays in other processes until a transaction is extended to nine months instead of the more normal 90 days. Some examples of timeline contingencies are as follows:

I. This LOI is no longer valid if it is not fully executed on or before date X.

ii. The buyer agrees to provide the first draft of the purchase agreement on or before date X.

iii. The buyer agrees to submit the completed financing application to the chosen lender on or before date X.

iv. The buyer’s lender will inform XYZ Brokerage, Inc. of preliminary approval of buyer financing on or before date X.

v. The buyer’s lender will inform XYZ Brokerage, Inc. of final approval of the buyer’s financing two weeks prior to the closing date.

saw. The seller agrees to notify the state licensee of the pending transaction within three days of receipt of the fully executed purchase-sale agreement and notification of the buyer’s receipt of the buyer’s lender’s commitment letter.

THE. A simple but sometimes overlooked item. Include language that allows partners to sign the LOI. Again, this is a small item, but it can save you days in the process.

A letter of intent is an excellent tool to help get your transaction off to a good start and close more efficiently. While the information above is certainly not exhaustive, it does provide a great platform. As stated above, always consult the appropriate professional before acting.

8th Certification: the financial statements of your company?

What is required to send?

All companies requesting the 8a certification must submit the following:

For. A copy of the balance sheet and income statement for the current year to date. The date of these statements cannot be more than 90 days when they are sent to the SBA. We suggest that you provide the latest possible date.

B. If the financial statements of the company are prepared on an accrual basis and the balance sheet for the current year to date shows accounts payable or accounts receivable, you must provide the corresponding aging statements. If the company’s financial statements are prepared on a cash basis, it is not necessary to provide an aging statement of accounts payable or accounts receivable.

vs. A copy of the last three complete balance sheets and year-end income statements of the company or all those that have been in business, if it is less than 3 years.

On what basis (cash or accrual) should the financial statements of the company be presented?

I suggest you file your balance sheet and income statements the same way you filed your company’s federal income tax returns on. If you prefer to provide your financial information on a different basis than what is reported on your federal income tax returns, be prepared to support any significant increases or decreases with supporting documentation if requested by the SBA.

Is it okay to use tax returns as financial statements?

No, you must provide a balance sheet and income statement prepared in accordance with generally accepted accounting principles or on an accepted cash basis. If you use QuickBooks, we suggest that you use the standard report as a copy to be sent.

What minimum requirements must the current year-to-date balance sheet and income statement display to meet the basic 8a eligibility requirements?

The current year-to-date finances should exhibit positive net income, positive total equity, and positive working capital at a minimum.

What exactly is the SBA looking for when it reviews and filters current year-to-date financial statements?

For. Is the balance sheet and income statement for the current year to date no more than 90 days from the date of receipt?

B. Have balance sheets and income statements been prepared in accordance with generally accepted accounting principles or an accepted cash basis?

vs. If the company’s financial statements are prepared on an accrual basis, are the aging schedules of accounts payable and receivable consistent with the current year-to-date balance sheet?

D. Are there accounts payable or receivable that are more than 90 days old? If so, the SBA may discount these amounts and it could possibly negatively reflect on your companies’ potential for success criteria.

me. Does the company have fixed assets? If so, are these fixed assets recorded correctly? Are fixed assets reported with depreciation or at actual value?

F. Do the company’s fixed assets correspond to your type of business? For example, if the company does construction work, does it have construction equipment? If you are a general contractor and your balance sheet does not show fixed assets (hammers, drills, construction equipment, etc.), your income statement should show the leasing costs associated with renting the equipment needed to complete your projects.

gram. If the company is a merchant, wholesaler or supplier, does the company keep any inventory and is it shown on its balance sheets?

h. Are there loans or receivables from a shareholder, officer, or partner listed on the balance sheet? If so, has a copy of the loan or promissory note been provided within the application documentation? If the loan is from one of the applicants, has it been correctly reflected on their SBA 413, Personal Financial Statement?

I. Does the company have the ability to pay its debts? (for example, minimum of 90 days of working capital)

j. Are there any loans that are questionable or that may raise control concerns? Does the business have non-disadvantaged funding that would be considered critical funding? Also, is the loan payable on demand? Do these loans reflect generally accepted payment terms? If not, is this item over-inflating the company’s assets?

k. Are reported retained earnings reconciled to previous financial statements?

the. Does the business capital listed match that reported on the SBA 413 form, Applicant’s Personal Financial Statement?

Mister. Does the income statement show income from appropriate business activity (NAICS)?

no. Is “cost of goods sold” included?

or. Are the items recorded on the balance sheet and income statements consistent from year to year?

P. Does the income statement show an expense for employee salaries? Does it appear that the applicant is not the best compensated? Are there signs of excessive withdrawals?

q. Does the income statement show an insurance expense and, if necessary, a worker’s compensation expense?

r. Are there large outsourcing expenses that seem questionable? A service-related business should not outsource more than 50% of the labor-laden portion of a contract. If you are a construction company this percentage is 85% and 75% for the construction trade (plumbing, electricity, etc.)

What exactly is the SBA looking for when it reviews and filters your year-end financial statements?

For. Are the year-end balance sheet and income statements provided from the beginning of the calendar or fiscal year to the ending date of the fiscal year?

B. Does the income reported in the income statements appear to be the same in the same line of business from year to year?

vs. What pattern do the income, gains, and losses show? Is it necessary to ask for clarification, such as an explanation of the reason for a downtrend or a sudden drop in income?

D. Are there discrepancies between the company’s tax returns and the financial statements? Are these discrepancies based on cash versus accumulation? If not, is reconciliation required? Does taking cash versus accrual reconcile accounts?

me. Do the balances correspond to the tax filing programs? For example, are there shareholder loans in the tax return schedules that are not reflected in the financial statements?

F. Do the financial statements and corresponding tax returns reflect any conversions from accrual (or accrual) accounting to cash accounting?