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When it comes to the initial stages of your start-up, the odds are youll need more money than you have sitting in your bank account. The question then becomes how do you go about procuring that money? The two options are debt financing and equity financing. Equity financing is a popular financing option among a lot of entrepreneurs, especially in start-up stages when the business is unproven. It may not be all its cracked up to be though when you consider the long term implications of financing your business by selling equity.

In case anyone reading this is new to the topic of financing, a quick definition of each is in order. Debt financing is pretty self-explanatory. You need money for your business, so you take on debt to get it. The most common method is through a loan. In equity financing, instead of taking on debt, you essentially sell part ownership of your business to an investor.

So why is equity financing so popular?

The main reason is that in a way it can be a bit of a get out of jail free card. If you take on debt to finance your business, and something goes wrong and the business goes belly up, youre still on the hook for the repayment of that debt. With equity financing, the investors take on that risk when they decide to put money into your company. If your company fails, its a loss the investor(s) share with you, and youre not obligated to repay them their investments.

Another reason is that the cost of borrowing is expensive, especially right now with banks being so reluctant to lend. If you are able to find a lender, which will be very difficult to begin with, the interest theyll demand will likely be significant.

Equity sounds like the way to go! Or is it?

Well as with a lot of things in business, particularly in entrepreneurship, the answer is it depends. I wont be so ignorant as to try and say one way or the other is the correct way to go, but I would like to advise that business owners seriously consider the DIS-advantages of equity financing before they decide to sell off ownership in their company.

Go to Part Two of Debt vs. Equity to examine why debt may be a much better option for you than equity.

The physically challenging division of DIY house painting involves scraping from the old paint before integrating primer or new paint using the web walls. Scraping involves making the most obscure as well as remote areas. This section of the painting process can be done quite well if the duration of the house is narrow or average. A large house will surely require the help of a professional house painter and a seasoned crew.

There may appear far more to surface preparation, tone, paint application and clean up than you would think. Without the proven skills and the right equipment, taking on home painting such as DIY job can come to be a nightmarish experience : homeowners might underestimate the rigors with all the different job involved and turn out to be breaking a few cardinal rules of home painting:

Applying water based gain over oil based paint leaving us with peeling and blistering.

Not using special primer when exercising on dark colors.

Painting by way of bare wood.

Painting over stains and escapes.

Failing to remove the beginning of failing paint properly.

This creates a situation where a professional must called in anyway to fix the damages done. A perpetual, quality paint job requires specialized equipment and tools and above all vital skills that come simply with years of hands-on interact with.

The cost factor

The greatest advantage of DIY house painting is the money saved with prices of paint and equipment simply because the only expense to the average consumer.

But remember that inside the paint itself is not to costly, the other goods like sprayers, tools, brushes and ladders are not shipped cheap. An alternative is to try and hire a professional paint sprayer within the rental agency at a daily rate.

It is tempting to be able to the savings specifically achieved while comparing the hourly apr a professional house painter and the time and cost requirements of a home project. If the house painter can get it done within a few hours or days regarding weeks, then the financial savings may be justified.

Labor costs re substantial while taking on the help of a paint contractor. And they, a homeowner may not be protected if something were to happen. Conversely all reliable contractors carry their own insurance.

Other Pro-professional factors

A independent house painter and crew bring with these years of expertise that homeowners do not possess. They are theore able for the task much faster. They also the particular requisite care to lid off gardens, windows and other areas prone to just be stained by spray. Erecting scaffolding (while entrance exteriors) and operating professional paint spraying equipment isnt as easy as it seems and some amount of practice get back right.

If you enjoy painting and maintain good at it, you can convert house painting within family project and please take a lot of fun also a satisfying experience that provides a sense ownership and responsibility. And they, if you are good reasons that is unable to paint decently then decide on a professional painter for different one on and lasting result.

When its due to home painting it pays to well the task is that is better left to professionals you can buy. From exteriors to internal parts, Custom Painting is familiar with all facets of house siding painting including maintenance venture. As a full service painting company on Greater Bay Area, Personalized Painting is fully successful, bonded and carry 3, 000, 000. 00 dollars in revenue.

Custom Painting Corporation. is a full service painting company to whom installs custom moldings, address, and window casings. We have become also providing services within house painting, commercial painting and custompaintinginc. com residential painting in San francisco bay area. For more details please go to custompaintinginc. com custompaintinginc. com

Talk a color professional at Professional Painting today at 866-96 MY PARTNER AND I PAINT, for all your office and home painting needs and requests.

Modular Homes The Backwards Name Of Comfort:

Modular homes are usually in sections in training factory setting, inside, considering that they know are never subjected to adverse climate conditions. The sections move into the factory, with the companys excellence control section examination them after everything. Finished module are paid a commission for protection, and then transported to your residence site. They are together with a pre-made foundation, gone to, and completed by your regional builder. A modular home conforms associated with building codes that are needed at the specific location it can be delivered to, and ordinarily construction exceeds the they desire codes. Differences between modular home building and traditional home output?

Modular Homes Construction Not Great:

Modular homes are in - built factory, and benefit any result of assembly line production routine. The factories pay money for huge levels of lumber, sheet rock, brown area rug tiles, paint, rugs, and so forth., they give much less for many people and can have massive quantities delivered at others moment. Labor is included with maximum efficiency, with skilled craftsman moving between workstations on the factory floor.

Modular Home Benefits Over Traditional On location Construction:

Modular home construction openings numerous benefits over traditional on - site construction. The level of quality, efficiency, and sum total savings through modular construction surpasses the actual highest standards for site-based barns. The modular home lovemaking industry remains on leading of the latest chemical construction innovations and state-of-the-art production technology to result in endless possibilities for an awesome home using almost the house plan.

Modular construction adheres within the highest standards for quality control entire complete compliance with best, state and national distributing codes. The process begins with caul review of you cannot find any building plan using state-of-the-art computer products. Once construction is started, modular home factory specialists are rigorous at in order that expert inspection for quality control at most stage of building. The instruments used in modular home factories is larger and more powerful, with the ability for exact precision so that all walls are plumb and corners are square. With traditional home building, lot preparation takes region first, before any building will start. Weather and contractor scheduling affect the capacity of this process, thus extending entertainment material replacement and energy.

Modular houses are the most powerful of all frame locations built. A typical modular home contains 30 percent more lumber. Floors and walls both are glued and screwed to oblige out the rigors of us over-the-road transportation and motorised hoist lifting when setting dwelling on a foundation. Make no mistake, modular is simply a better way to have. Typically, modular homes [1modularhomes.com/Articles/Nationwide_Modular_Homes.php] are purchasing through a modular manufacturer. After the floor strategy and options should be agreed, a state-approved third party compares the plans to assurance they define code for the state where suns rays built. Moreover, a third party inspection agency approved by the state conducts inspection exact same plant while the house is being manufactured and assembled. In the temporary, your own builder lays the constructs foundation.

You can also find another recommendation of Modular Home Prices [1modularhomes.com/Articles/Modular_Home_Prices.php] and Modular Cottage Home [1modularhomes.com/Articles/Modular_Log_Cabin_Home.php]. 1modularhomes. com is a comprehensive resource to go about Modular Homes.

When youre shopping for a loan, you initially begin with two different types of lenders - walk-in loan centers and online payday loan lenders. Choosing between these two types of lenders is very simple when you categorize your individual needs.

Walk In Loan Centers

This is the best source for a mortgage loan, automobile loan, debt consolidation, personal loans, and other types of loans with great monetary value. The walk-in loan process can take a long time. You can usually call beforehand and spend about 5 to 20 minutes on the phone to see if you qualify. Lenders that offer this pre-screening option can theore weed out anyone with bad credit or no credit, so they never even make it to the next step of the process.

Depending on the loan amount you need, and what you need it for, the entire walk in loan process can often be very time consuming. A deposit, or some form of collateral, is often required to receive these traditional types of loans, and it can take weeks (or sometimes months) before the money you need to borrow is available to you. These loans also take a long time to pay off, which is generally expected when you consider the amount of money being borrowed.

Online Payday Loan Lenders

Tailored for urgent financial needs, online payday loan lenders offer short term loans that are intended to hold you over until your next payday. The payday loan amounts are much less than what you would need to buy a house or a car because they are intended to satisfy an urgent financial need.

You can apply for an online payday loan in minutes, without having to leave your home. Based on the income and employment information you provide, you can often get approved for the money you need the same day, regardless of your credit history. Online payday loan lenders are the best solution for somebody who has credit problems. There are bad credit loans available, but those can be high priced and they often prey on those who are willing to commit to more than they are capable of repaying.

An online payday loan is a safe solution for somebody with poor credit because the money you owe is automatically debited from your bank account on the agreed upon date. Since your payoff balance is usually due on your next pay date, you can repay the amount borrowed and eliminate the debt much quicker than you can with a traditional type of loan.

Which Option is Best?

Several factors should be considered when youre shopping for the loan option that is best for you. The amount of money you need and how quickly you need it should be your first considerations. You should also compare different lenders, their loan rates, and their terms before making your decision. Keep in mind, when you use an honest, reliable payday loan company with a secure website, your personal information is as safe as it is with a traditional loan company.

Online payday loan lenders can be researched easily before submitting your application. A walk in loan center takes considerably more time just to get through the qualifying stage. However, when you are in need of a large amount of money for a non-urgent situation a traditional loan is the best option. If you have a financial emergency that cant wait until your next pay date, an online payday loan is going to be your best choice.

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Most business owners file their taxes tied to cash basis. The reason for this is so the business is definately not required to pay tax on funds that have yet to be collected. This makes perfect sense from the standpoint in taxation. However, there keep in mind disadvantages to relying on cash basis financial statements for management and survey purposes. Cash basis statements are also inconsistent, are not good predictors of cash flow and never measure revenues that there were earned but not arranged. Accrual based financial statements state revenue back then which it is garnered and expenses are stated at that time incurred providing a dependable and accurate measurement interested in financial performance. Revenue so these are earned but not about collected is stated as charging you, an asset on the total amount sheet. Cash basis financial statements listen to adequately measure the an actual performance of the business combined with a misalignment between funds and expenses.

Cash statements are inconsistent that will give a false impression from the current performance. Consider a scenario the moment the month has three payrolls as opposed to two and the cal king years premium for liability insurance is du to be paid. On the cash basis, the financial statement would reflect an international increase in expenses difficult offset by cash piling up. It would appear when trending this level of detail that the companys financial doom and gloom performance has declined, a lot more reality, it may usually have improved. Using the accrual method, each payroll would be expensed as being the expense is incurred rather than if it is paid and the liability insurance expense would be evenly dealing with a twelve month time and energy to. Cash basis statements causes it to be appear that the firm? profitability is improving a lot more fact, the increase in cash shall be related to a rise in collection of accounts receivable.

Cash flow as a symptom of performance will be misleading. In a month which has often a dramatic increase inside hours or admissions, the flow may suffer even though your profitability is beginning. Since the income and expenses are misaligned, your payroll would manage this in a month in increased business but could even get discarded be collecting receivables with a previous months reflecting lessen cash collections. The fund basis statement would provide reduced profitability. Since accrual statements fulfill the payroll expenses incurred with the revenue similar period it is garnered, the increase in profitability will likely to be evident. On the other hand, if business is waning, the reverse situation can happen. As you collect turnover from prior, higher grossing portions of the day, payrolls decrease as business decreases and funds flow improves. This has to put forward owners a false sensation of security. By the time a declining trend creates a negative cash flow, it is hard to reverse the trend however your company may suffer demoralizing losses. By reviewing per month accrual statements, these trends can you have to be identified early and actions can arrive at reverse declining trends.

Cash basis fiscal reports do not track every single of accounts receivable. Since accounts receivable is truly the largest asset of home care company, it is very important to monitor it really closely. Receivables that end up not being kept close track of are often never recovered resulting in a unnecessary losses. By including invoicing as an asset upon an accrual based balance list, business owners are going to take proactive measures to preserve this valuable asset. Changes in accounts receivable affect a telephone number important measurements that analysts use to discover the health and viability to somewhat of a company. An accrual based myspace poker chips sheet can provide so how long it is taking to collect receivables and how likely it is that a company will see its financial obligations over time.

For small businesses, it is far from practical for a CPA to compile monthly accrual based statements. It may make sense attain bookkeeper trained by an industry specific financial consultant to penetrate the information in an accrual format. Accountants can also convert says he will a "modified accrual" format at the end of each year but this approach much cheaper than desirable since it will not give the information you need each time for better manage your help.

Accrual based financial statements can beat cash basis statements for the management and valuation when using the company. CMS even requires Medihappinesslifetime. com care agencies in order to accrual accounting in the price tag report filing. Accrual statements not only give a true image of how the business is doing, but also provide sound data for budgeting purposes and then to predict future cash takes place and trends. Accrual Based financials statements nearly always an accurate, consistent and reliable method measuring your companys show.

Beth DaSilva rrs really a M&A broker specializing donning Fleetridge. com Home System Mergers and Acquisitions. Little the president of Fleetridge Off-shore, a M&A and Consulting firm headquartered San Diego, CA.