Does Your Passion Exceed Your Patience?

Sometimes, great ideas can’t wait, and spending four years in college will result in missed opportunities. This was the case for Taso Du Val, founder and CEO of global tech industry network Toptal.

“I wanted to go to MIT, but the thought of waiting for four years before starting my career troubled me,” Du Val said. “So, I started pursuing my passion for entrepreneurship at a young age and, years later, ended up fixing a problem I noticed in the IT outsourcing industry. It’s just something I had to do. I was not going to sit around for years, listening to information I would never need in my life.”

If you wholeheartedly believe that your business idea can’t wait four years to pursue, skipping college may be the right track. Many young entrepreneurs tackle their business ideas as passion projects while they attend college, but it is important to identify at what point your business needs your full attention.

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While college is an investment, so is your business. You’ll need to calculate your expenses, create a budget and plan your timeline accordingly before dedicating your life to the project. “Understanding the total costs is crucial,” said Portesy. “Before you pursue a new business opportunity, map out the total investment – purchase costs, opening inventory and how much working capital you will need before you break even.”

Sometimes, students will go for a degree and work in an industry for a few years, or on the side, to earn money to support their entrepreneurial journey. If you don’t think you can cut it without a sustainable career to leverage your success, then you might want to focus on school first. However, if you’re currently in school and feel strongly about devoting all your time to testing or growing your business, check with your college about its leave-of-absence policy.

Learn About Invest in yourself

In the early stages of your business, you’ll likely see a very lean profit margin (or no profit at all), so any money you do make should go directly toward helping you grow.

“A startup’s ability to invest in itself [helps] accelerate growth,” Lanng said. “In those early years, it’s critical to make sure that you’re redirecting any revenues back into the company. It’s vital to invest early and heavily in order to grow quickly.”

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Always think ahead – While agility is an important quality for a startup, you can’t fly by the seat of your pants when you’re running a business. Planning your next step, even if that means anticipating all possible scenarios, is the best way to stay grounded and secure as your business evolves.

“Set the foundation in place, water it and watch it grow,” Davis said. “If you do the foundational work, when you experience growth, it won’t be that difficult to adjust, since the hard part is already done.”

Thinking ahead is broad advice but it can be as simple as reviewing all ongoing contracts, like comparing rates with the best credit card processing providers and seeing if you can negotiate a better deal.

Pros and Cons Term Loan for Business

What is a term loan example? There are two general types of term loans: short-term and long-term loans harrysbarvenezia. The type of loan you apply for will depend on the business you run and your financing needs.

A Small Business Administration (SBA) loan is a good example of a term loan game judi slot. If you apply for a standard 7(a) loan from the SBA, you could receive up to $5 million in funding. Your lender will determine your rates, but they cannot exceed the SBA’s maximum.

Of course, not all businesses need that kind of financing, so the SBA also offers 7(a) small loans. These loans top out at $350,000. SBA loans always have fixed rates and a set repayment period.

You can use the funds from a term loan to expand your business operations, purchase equipment, or finance a new marketing campaign. Term loans allow companies short on cash flow to invest in new opportunities and maximize their chances for additional revenue.

What are the benefits and drawbacks of term loans?
Like all financing options, term loans have both pros and cons that you must consider before deciding on a course of action.

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Pros
They can fund short-term financing needs. If you need to purchase new assets or equipment for your business, a term loan can be a good option. You can take advantage of the opportunity to grow your operations, and the revenue you earn will help you pay back the loan.
They tend to have lower rates. Term loans generally offer low rates and flexible repayment terms. You can repay the loan over the time you need without it becoming too much of a financial burden for your business.
They help you build business credit. Assuming you make your monthly payments on time, a term loan can be a great way to build your small business credit.

Cons
They’re relatively hard to qualify for. Since term loans have favorable rates and repayment terms, they are usually harder to qualify for than other loans. You need to show excellent credit history and provide detailed financial information to your lender.
Some lenders will require collateral. If your lender considers your business a financial risk, they may require you to put down some type of collateral. This is known as a secured loan, and if you can’t repay it, your personal or business assets are at risk.
They may charge additional fees. Some lenders charge additional costs for term loans, such as origination fees. Depending on the lender, you could even get hit with a prepayment penalty if you pay off the loan ahead of schedule.

Know More About Super Saturday and Boxing Day

“Super Saturday” is a name retailers use for the last full Saturday of shopping before Christmas bandar poker resmi. This year, it falls on Dec. 19. Every year, lots of last-minute shoppers are expected to hit big chain stores and small businesses alike in search of deals. Many retailers plan to offer promotional items, one-day sales, competitive pricing and extended hours to attract customers looking to check off those last few names from their gift lists.

Of course, this must all be done with COVID-friendly restrictions in mind this year. That means allowing only a certain number of shoppers inside your business at a time, thoroughly cleaning your store, requiring face coverings, setting up sanitizing stations and more.

In many parts of the world, the day after Christmas, known as Boxing Day, is a national holiday and the biggest sale day of the year. Shopping centers, big-box stores and independent retailers slash their prices to clear out inventory. While it may never be as popular as Black Friday in the States, many U.S. retailers, especially those looking to purge seasonal merchandise, drastically cut their prices on Dec. 26.

If you haven’t planned your holiday sales yet, there is still time to take advantage of some of these big days. Give your small business a boost this season by running specials, offering discounts and hosting events – while maintaining pandemic-friendly safety measures, of course.

What Qualities does a Good Mentor Have?

It is important to choose wisely when selecting a mentor. This is someone you should look up to and aspire to be like Situs Nonton Movie Sub Indo. With that said, there are several qualities that all good mentors share. At the most basic level, your mentor should have more experience than you and a track record of success.

“A great mentor is someone whose qualities make up a much better version of who you envision yourself to become,” said Argyropoulos. “On the other hand, some great mentors may help you to learn who not to be like – for example, a very successful businessman who is struggling in his personal life. Great mentors have a complementary skill set and bring different qualities to the table. Different perspectives are valuable in the mentor-mentee relationship.”

Authenticity, empathy, creativity and honesty. Doug White, a career expert and editor of career and management insights website TCG Blog, recommended seeking a mentor who has a strong character and traits worth emulating.

Tax Saving Tips For A Business Owner

In today’s scenario where doing situs slot online business has become more stringent due to the mandatory requirement of complying with multiple & complex laws, taxation law is something you should outsource to an expert. Taxation laws not only in our country, but all over the world are complex and not everyone’s cup of tea. As a business owner, you have income from almost every head except from the head ‘Income from Salaries’. If you are not aware of tax saving options, you might end up paying significant amount of taxes to the government every year.

In this article, I will discuss 20 tax saving tips that every business owner and startups should follow to avoid unnecessary taxes. I will also share best practices to maximize your investments, as profits are temporary and wealth is permanent.

Income From House Property

1) Claim benefits of interest on housing loan

Some people avoid availing bank finance for building houses, but the fact is that availing home loans can be beneficial in many ways. From the tax POV, you can claim an interest as a deduction from house property and claim principal as a deduction under section 80C along with other deductions which are limited to a maximum of Rs 1,50,000/-. Gross value for tax purposes is taken as NIL and claiming deduction results in loss under the head ‘Income from house property’ and can be set off against incomes of other heads resulting in lesser overall taxable income.

2) Pay municipal taxes by cheque

Municipal taxes paid during the year can be claimed as a deduction from income from house property. People often pay municipal taxes in cash and do not keep a copy of receipts of the same. However, making payment of municipal taxes allows you to claim its deduction and can be claimed even if you have lost the receipt as the same will be reflected on your bank statement.

Income From Business Or Profession

3) Proper recording of cash expenses

Many businesses in the country are labor intensive and wages of unorganized labor are generally paid in cash. Factory floor & other indirect wages account for at least 40% of your manufacturing expenses and improper recording of such payments result in higher profits as a consequence of under-recording of expenses, thus resulting in the higher amount of taxes. For example, in a factory around 50k a month paid as loading and unloading charges remain unrecorded due to non-maintenance of the proper register. This results in under recording of expenses by 600k, leading to extra payment of taxes by 180k (assuming a tax rate of flat 30%). Proper cash receipts with signature/thumb impressions of laborers should be maintained with wages register so that proper deduction of the same can be claimed.

4) Stock Valuation

Stock is normally valued at cost, but stock which has short shelf life should be valued on the principle of Cost or NRV whichever is lower. Net Realizable Value provides the actual realizable value of stock and hence, prevents the stock from getting overvalued, which ultimately reduces taxes. However, the practice of such valuation should be consistent throughout the years to avoid the unwanted attention of the income tax officials.

Disney announces new Star Wars, Marvel series, Hayden Christensen to return as Darth Vader in Obi-Wan Kenobi series

Disney has unveiled a myriad of new streaming offerings, including plans for 10 Star Wars series spinoffs and 10 Marvel series that will judi online debut on Disney+.

But even as Disney emphasised its expanding streaming portfolio, the company said theatrical release remained an important component of its big-budget spectacles.

The company is raising the cost of Disney+ subscriptions by $US1 ($1.32) per month in America and 2 euros ($3.22) across continental Europe.

It’s unclear yet if that will mean a price increase for Australian consumers.

In a virtual presentation for investors, Disney chief executive Bob Chapek laid out super-sized ambitions for it direct-to-consumer efforts, leaning heavily on some of the company’s biggest brands.

Over the next few years, Disney is planning to premiere directly on Disney+ not just an armada of Star Wars and Marvel series but 15 live-action, Pixar and other animated series, and 15 live-action, Pixar and other animated movies.

Mr Chapek said Disney+ subscribers worldwide had reached 86.8 million, up from 74 million last month. The service has easily exceeded most forecasts, reaching its user numbers in just 13 months since launch.

Expert Advice on Setting Up a Forex Trading Business

We spoke to Casey Stubbs, the founder of Winners Edge Trading, to learn about foreign exchange agen bola sbobet trading.
While foreign exchange (forex) trading is known to be a lucrative business, it requires training, practice and patience.
The forex trading market has more liquidity than other markets. One can make a sale at any time to get their cash back.
You must be well aware of what is happening in the market before investing. Market setup has a direct impact on prices in forex trading.
Foreign exchange trader Casey Stubbs came to his profession via the U.S. Army. While this route might be unorthodox for an investment expert, the founder of Winners Edge Trading credits his time in the service for giving him the discipline and self-control necessary for success in trading. Through years of studying, practicing, making mistakes and persevering through difficult times, he has honed his forex trading skills and is eager to share what he’s learned with others who want to jump into the market.

We caught up with Stubbs to learn more about getting started in forex trading.

Q: What is forex trading?
A: In short, foreign exchange trading is buying and selling different currencies. It is the idea of investing in certain countries’ currencies that you expect to gain in value by selling your own currency. In other words, you may sell some U.S. dollars for some euros if you believe that the euro is going to gain in value. This is done through an online broker.

Q: What are the advantages of getting involved in the forex trading market?
A: There are tons of advantages to forex trading. To name a few …

It has more liquidity than any other market.
It can be traded 24 hours a day.
It allows you to use an exceptional amount of leverage in your trading.
There are only a few currency pairs that you need to follow (rather than thousands of stocks).
The forex market has a lot of volatility (moves a lot), so there is a lot of profit potential in it every day.
You can trade forex with a relatively small account.
There are no commissions in trading forex.

Brighter Days Are Ahead for the Middle Market

The COVID-19 pandemic has impacted Sbobet businesses around the world, but American businesses have faced some unique challenges. The virus continues to surge in the U.S., and there’s a long way to go before things can truly return to a state of normalcy for businesses and their customers.

It’s not all doom and gloom, though: Despite the economic strain and public health concerns, middle market business owners and executives are cautiously optimistic compared to their outlook at the beginning of the pandemic. Federal financial relief, plus some smart budgeting and operational adjustments, have helped these companies hold their own in the face of statewide shutdowns and stay-at-home orders, and they’re poised to regain their footing as more restrictions are lifted across the country.

KeyBank – a full-service commercial, corporate and investment bank with nationwide branches – recently surveyed 400 U.S. middle market leaders ($10 million to $2 billion companies) for its Q3 2020 Middle Market Business Sentiment Report. Here’s what the survey revealed about the current impact of COVID-19 on the middle market and what executives believe lies ahead for their businesses.

How has the U.S. middle market been impacted by COVID-19?

Between mid-March and early April 2020, nearly every state and region of the country had enacted some sort of stay-at-home order to prevent the community spread of COVID-19. During this time, many businesses, including 76% of middle market companies, were forced to either alter their operations or shut down completely while their home states were locked down.

Some states began reopening within a matter of weeks; others waited several months to begin lifting their quarantine restrictions. Because businesses are at the mercy of their state or region’s policies, many of them have had to keep up with changing regulations designed to keep their staff and the larger communities safe.

Among KeyBank’s survey respondents who reported taking action to mitigate the impact of COVID-19, these were some of the most common responses to the pandemic.

Ithaca Announces Sweeping Faculty Cuts

Ithaca College will cut its full-time staff tally by 130, from 547 aggregate, by 2022. The school concedes the number is enormous however says its arrangements Contoh Soal Database are an increasing speed of a five-year key vision that would have in any case been executed by 2024.

“There is no satisfaction in this,” said La Jerne T. Cornish, executive. “It is difficult and it is essential. In the event that Ithaca will flourish and keep on serving ages of understudies, we must address our issues at the present time, immediately.”

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Ithaca’s enlistment numbers are down this semester because of COVID-19, by around 15 percent year over year, as the school expected they would be. However while the pandemic is a “quickening agent” of Ithaca’s issues, it isn’t the underlying driver, Cornish said. Rather – in a story that will be recognizable to numerous organizations – Ithaca’s enlistment declined by in excess of 700 understudies more than 10 years, pre-pandemic, while full-time personnel positions expanded by more than 50.

Ithaca has discovered that 5,000 understudies – down from a pinnacle of around 6,000 – is a practical size, refering to changes in socioeconomics and a by and large testing enlistment climate. It needs to bring its understudy personnel proportion to 12 to one, from around 10 to one right now. Ithaca’s five-year vital arrangement, called Ithaca Forever, portrays a “visionary, deft and reasonable” future for the far reaching, aesthetic sciences affected school and its expert schools.

Cornish, who recently managed scholastic cuts at Goucher College as partner executive there, said it would have profited Ithaca to be focusing on the numbers from the beginning, rightsizing its workforce by less radical measures.

“We have to participate in a cycle of scholarly prioritization constantly, it’s rarely one-and-done,” she said. “In an ideal world, somebody at Ithaca College would have seen the reduction in understudies and increment in workforce and modifications might have been made when it began to occur.”

On the off chance that there’s any exercise for academe in what’s going on at Ithaca, Cornish stated, it’s that “regularly we stand by until it’s past the point of no return do things would ought to do from the start.”