5 Ways to Raise Capital and Start a Business

Five words or less(NewsUSA) – Sponsored News – Raising capital to start a new business is not as easy as setting up a lemonade stand or selling Girl Scout cookies. A primary reason for the failure of start-ups is a lack of funding. There are plenty of great products and ideas that have never come close to making it to the public.
Without American entrepreneurship, and the drive to just go for it, we would not have Apple, Google, Facebook, Starbucks, or countless other companies that are a part of our everyday lives.
Here are five ways to generate capital for your business in today’s economy:
1. Friends and Family. A tried and true methodology, this has been a staple of start-up funding for hundreds of years. It is however, not without its risks, as a failed business could lead to strained relationships. or even the end of relationships.
2. SBA Express. The Small Business Association provides several avenues for borrowing money. SBA Express allows bank-qualified business owners to borrow up to $150,000 without filing the typical SBA loan application. Plus, owners will receive a loan decision within 36 hours.
3. Community banks. Community banks actually have the capacity to be flexible with lending terms whereas large corporate banks do not. Find local lenders by reaching out to the Independent Bankers Association of America, which has access to 5,000 community banks.
4. Crowdfunding. Crowdfunding networks like Kickstarter and Indiegogo have raised some serious cash from individual investors. If you have an innovative idea or project, develop a reasonable funding goal and timeline and see which investors support you and pledge funding. Remember, projects must meet their funding goals before the time runs out, or else no actual money is received. Also, be aware that a percentage of the money raised will be kept by the crowdfunding site as part of their fees.
5. DPOUSA. DPOUSA is an online financial platform providing client companies the opportunity to have 24 hours a day, 7 days a week, 365 days a year visibility of a direct public offering to a growing base of over 33,000 accredited investors and institutions representing over $500 billion in available capital. Unique to DPOUSA is the DPOUSA Special Council, a diverse cross-section of 50 professionals from various industries available to assist DPOUSA client companies. Visit www.DPOUSA.com for more information.
Whatever the state of the economy, there will be those willing to invest in new businesses. New businesses create jobs, and power growth. There are sources to help with capital. So, once you find the sources, be ready with a great plan to show what you are going to do with the capital, and how the investor will benefit.
Source: NewsUSA Business
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Cutting the Corporate Cord: How the Desk Phone Is Meeting Its Demise

Five words or less(NewsUSA) – Sponsored News – It was bound to happen sooner or later: the desk phone, once an icon in any office, is now officially on its deathbed.
According to a recent survey by Dialpad, a San Francisco-based communications technology company, the trend of telecommuting and employees who would rather work anywhere but the office, is rendering the desk phone all but obsolete.
“Our survey reveals that while the slow and painful death of the desk phone has clearly begun, it cannot happen fast enough for many workers,” Craig Walker, CEO of Dialpad, told VoIP Monitoring in an interview earlier this summer. “The anywhere worker movement is now evident in every segment of every industry. This significant trend will only accelerate over the next few years.”
Should there be any question about the ensuing death of the desk phone, the results of the 1,000 respondents surveyed by Dialpad about their communications, found that:
* 80 percent of companies already rely on at least some remote workers.
* 67 percent say their employees are allowed to work from home.
“What we found out is the world today is your office,” Morgan Norman, Dialpad’s vice president of marketing, told ZDNet in an interview. “That approach,” he said, “is valid now in enterprise and small-to-mid-size businesses.”
For its part, the five-year-old firm has been grabbing the attention of large scale clients by offering a cloud-based platform for communicating. Among its product offerings are voice, video, instant messaging, text, and online meeting tools — free from any on-site servers or storage and without any need for hardwired phones.
“The simple vision of Dialpad was to help every business, midsize to enterprise, connect all their employees and help them work from anywhere,” Norman says.
In other words, added Vincent Paquet, Dialpad’s vice president of product and strategy, in an interview with ZD Net, Dialpad will be there to fill a company’s communication needs as the desk phone becomes obsolete.
In addition, the company also has 40 new enhancements to its two products: Dialpad, which offers voice, video and messaging services for in and out of network communications, and UberConference, an enterprise-grade HD audio conferencing system. Dialpad says it’s able to roll out several enhancements at once and quickly deliver new releases thanks to its reliance on the Google Cloud Platform and the WebRTC framework.
“In three years from now, there won’t be a desk phone anymore,” Paquet predicts.
For more information, please visit www.dialpad.com.
Source: NewsUSA Business
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Are Millennials Getting a Bum Rap When It Comes to Money?

Five words or less(NewsUSA) – Sponsored News –
Maybe it’s time to stop portraying all millennials as a bunch of layabouts so used to being coddled that they can’t be trusted to handle their own money.

In fact, in a new TD Ameritrade survey of more than 1,000 Americans born between 1981 and 1997, 72 percent were already saving for retirement, 80 percent had a budget, and 51 percent had socked away an emergency fund. Now that’s being responsible.

See full-sized image here.
Source: NewsUSA Business
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The Health Perks of Our National Parks

Five words or less(NewsUSA) – Sponsored News – Most Americans agree that spending time outdoors can enhance their physical and mental health. A recent online survey, conducted by Harris Poll on behalf of Humana among over 2,000 US adults, reveals that Americans believe spending time outdoors can reduce stress (75 percent), benefit mental well-being (74 percent) and lead to living a longer, healthier life (63 percent).
The benefits of spending time in nature include elevated mood and happiness, as well as improved cardiovascular health, but work and other obligations often get in the way. In fact, according to the Environmental Protection Agency, Americans will spen an average almost 93 percent of their lives in an indoor space.
Humana’s partnership with the National Park’s Centennial celebration encourages everyone to enjoy America’s national parks as a resource to help stay healthy and active, and increase their Nature Engagement Levels, or N.E.L.s. N.E.Ls are a way to assess how much time you spend outside. A fun National Geographic Quiz, sponsored by Humana, shows participants their level of engagement with nature: Are you overflowing with flowing streams or running low on lowlands?
Try these ideas to raise your N.E.L.s:
Start with a Sunrise: Watching the sunrise can be a beautiful, moving, and healthy way to start your day; benefits include balanced circadian rhythms, improved mood, and increased Vitamin D levels.
Bring Nature to Work: Enjoy the health benefits of the outdoors at work by placing a plant on your desk or setting a nature view as your desktop background. Host outdoor meetings, or “walk and talks,” around your building, and boost colleagues’ moods and focus, too.
Engage Your Mind: Get your mental exercise by visiting museums or monuments within the National Park System. Sites such as the Thomas Edison National Historical Park offer guided tours and interactive experiences to entertain and educate visitors.
Eat Outdoors: According to the Bureau of Labor Statistics, Americans spend an average of 8 hours and 13 minutes a week preparing and eating food. Move your meals outside to unplug and enjoy your food in a new environment.
Try growing some of your own food. Getting your hands in dirt connects you to nature. If space is tight, explore a community garden.
Take a Hike: Avid hikers report high levels of happiness, fulfillment, and connection with the world around them, and studies have shown that the color green increases motivation to engage in rigorous activity. So, if being outside on a spring day inspires you to hike, find a trail in a nearby state or national park!
Find more ways to get healthy at www.StartWithHealthy.com, and visit www.FindYourPark.com to locate parks near you.
Source: NewsUSA Entertainment
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The Great Divide: Balancing Travel and Protecting Delicate Ecosystems

Five words or less(NewsUSA) – Sponsored News – For some, traveling is a calling, a way of life. It’s about those who are more traveler than tourist, who prefer upscale lodging, who are happy to hike, horseback ride or kayak as a mode of transportation.
In short, they are adventurers who recognize the importance of exploring the world, albeit responsibly, to leave as small a carbon footprint as possible.
Welcome to ecotourism, or as The International Ecotourism Society defines it: responsible travel to natural areas that doesn’t just conserve the environment, but also improves the well-being of local people.
As goodwill ambassador to the San Diego Zoo’s Zoological Society, Joan Embery knows there is incomparable value to this type of travel.
“The tourism market, if properly managed, can have a huge positive effect by educating people who become ambassadors when they come home and talk about their experiences,” says Embery. “For many countries, it’s a major source of revenue, giving value to the resources we want to protect.”
For those interested in seeing the world in a different way, travel guru International Expeditions (IE) can help. This Alabama-based company is well-versed in handling travel plans from the Amazon to Zambia. Whether your upscale adventure includes lemurs or penguins, birds or reptiles (and everything in between), IE takes care of all the details to make your vacation a seamless experience.
With the support of IE, travelers are free to absorb local lore, and sample local food and discover unique customs and cultural practices. The end result, according to the Matador Network, is economic growth paired with authentic and appropriate interactions between locals and visitors.
This attitude of respect and reverence for another country’s culture, said Embery, is key to eco-traveling, and why she continues to travel halfway around the world to places like East Africa.
“I always enjoy taking people there [to East Africa] because you can’t be disappointed. There is always something to see — the sights, the sounds, the sunsets, the landscape and just the expanse of it. It’s mind-boggling to realize that still exists,” she said.
For more information, please visit www.ietravel.com.
Source: NewsUSA Entertainment
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Online Platform Promotes Partnerships Between Businesses and Investors

Five words or less(NewsUSA) – Sponsored News – Historically, specialty businesses had limited ability to expand beyond their immediate geographic region. However, current technology allows such businesses to promote themselves to a larger audience. Touch Up Teak is one example of how successful online investment partnerships can grow a business.
Touch Up Teak, based in Hollywood, Florida, provides a full range of services for preservation, repair, restoration and maintenance of exotic wood used for high-end furniture, home decor, decks and other areas requiring style and durability. The company also serves the resort and restaurant industries, and the yachting/boating community.
“I have wanted to expand for some time into markets beyond Florida,” Touch Up Teak CEO Paul Murray noted. “We decided to list our offering on the internet, and wanted to make sure we could reach as many possible capital sources in the most efficient and cost-effective manner we could.” To help expand its business, the company used DPOUSA, an online financial platform that makes information about up-and-coming businesses available to potential investors at any time, day or night. DPOUSA is visible to the public, and also maintains a growing database of 30,000 investors with over $500 billion in investment-ready capital.
“Since listing, we have begun discussions with accredited investors who just happen to own yachts, and see the value our business brings,” Murray said.
Touch Up Teak maintains additional facilities in Miami and Naples, but the company’s management has plans to expand the services offered and the geographic areas served, starting with high-end southeast markets in Orlando. Such expansion will require capital for facilities, marketing and advertising, and the company hopes to partner with additional investors online via DPOUSA.
As part of the expansion plans, Touch Up Teak has developed proprietary wood-finishing and restoration technologies tailored to the high-end woods used in demanding applications such as high-gloss yacht finishing and interior/exterior patio furniture, trim and decking. As an exotic-wood specialty company, Touch Up Teak is qualified to restore and maintain many different species of hard and soft woods including teak, ipe, walnut, mahogany, cypress, tiger, Patagonian rosewood, cumaru, burl and bubinga.
“Now that we have engaged in discussions with investors, our future expansion plans in the Mid-Atlantic and Southern California are closer to becoming a reality,” said Murray.
For more information about Touch Up Teak, please visit touchupteak.com. For details about how DPOUSA provides online investment opportunities for Touch Up Teak and similar companies, visit www.dpousa.com.
Source: NewsUSA Business
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Winning the Financial Security Lottery

Five words or less(NewsUSA) – Sponsored News – Like many people, you may have dreamed of winning the lottery and being financially secure for life. However, you don’t need to win the lottery to obtain financial security. In fact, that security might just be available through the benefits offered at your job.
In addition to your salary and health insurance, your employer may offer other benefits that will help you address your financial challenges. One is a retirement plan. It could be an IRA, a 401(k) or a similar plan that allows you to save and grow your savings. You won’t pay taxes on the savings until you withdraw them in retirement. Some employers will match your contributions to your retirement plan up to a certain amount. The earlier you start saving, the more you’ll have when you retire.
Life insurance is another important employee benefit. It offers a safety net for your family if something should happen to you. Financial security comes from knowing that your loved ones will be taken care of when you’re gone. Your employer may offer coverage, which generally pays beneficiaries one or two times your salary if you die while your policy is in effect. In some cases, you can purchase more protection through a special arrangement between your employer and a life insurance company.
Another workplace benefit an employer may offer is disability income insurance. Often called paycheck protection, these policies replace some of your income if you are unable to work because of an injury or illness. A disability happens more than most people think. The Social Security Administration estimates that 1 in 4 20-year-olds in the workforce today will suffer a disability before they retire. Disability income insurance benefits help cover rent or mortgage, buy groceries and take care of other necessities while you are out of work.
Your employer also may work with an insurer to offer long-term care insurance. It helps pay for the high and rising cost of long-term care services. Today, the median cost of a one-year stay in a nursing home is more than $90,000. The median cost of a one-year stay in an assisted living facility is more than $40,000. Most people cannot cover these expenses on their own. Health insurance and Medicare generally don’t cover these costs.
Check with your employer for benefits offered at your work. More information about employee benefits is available on the American Council of Life Insurers’ website, www.acli.com.
Source: NewsUSA Business
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How to Earn a Hundred Million Dollars or More

Five words or less(NewsUSA) – The deal, which was later reported by major news media around the world, did not portend much initially. It was struck in 2005 between a high school dropout with a history of petty thefts and a little-known startup with no revenues. The latter wanted the former to spray paint graffiti on their office walls. The former brazenly asked for sixty thousand dollars — an astronomical fee in graffiti business; the cash-strapped startup countered by offering him its shares, which had no market value.
Seven years later, the company, no longer a startup but the largest social network, went public. That very day, the Facebook stock received by David Choe, the graffiti painter, turned into liquid assets valued at more than two hundred million dollars. As the stock price has been climbing, David’s network exceeded half a billion dolars.
This remarkable rags-to-riches story is now prominently featured on Stock4Services.com, deployed by renowned KMGi Group to facilitate similar investments of services into emerging growth companies.
“There’s over a quarter of a trillion dollars per year of unsold advertising inventory in the USA alone, which could be invested into promising businesses,” says Alex Konanykhin, CEO of KMGi “Yet broadcasters and publishers let it perish instead of investing in promising businesses that seek visibility. It’s a colossal waste, and we seek to correct it, generating tens of billions of dollars of value.”
Stock4Services also facilitates investments of other kinds of services, including online and outdoor advertising, visibility at major events, product placements, celebrity endorsements, public relations, programming, design and creative services. While no one can assure returns as high as in the Facebook example, investments can be quite secure, especially if made into VC-funded or public companies.
“Companies invest trillions of dollars in the stock market,” says Jay Baguioro, president of Stock4Services. “We provide them with opportunities to invest their services, without having to sell them for cash first. It makes the market more efficient and allows for faster wealth accumulation and economic growth.”
Stock4Services’ website lists some additional compelling examples that support their premise.
Rapper 50 Cent accepted stock from the company behind Vitamin Water in exchange for his endorsement in 2004. When Coca-Cola bought the company four years later, his after-tax earnings exceeded $100 million.
The stock that actor William Shatner received in exchange for being a pitchman for Priceline in TV commercials has risen to over $600 million.
Canadian geologist Chuck Fipke holds about a billion dollars in stock due to the work he’s done uncovering diamonds in the country’s Northwest Territories.
And now Stock4Services facilitates such deals to all service providers and advertising inventory owners. “We take a standard agency commission in the form of the stock of the transaction, so we only make money when our investors make money,” points out Jay Baguioro. “It motivates us to seek investment opportunities with the highest and fastest return.”
Source: NewsUSA Business
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Not All Encryption Is Created Equal

Five words or less(NewsUSA) – Sponsored News – Despite constant news cycles of rampant data security breaches occurring everywhere from Fortune 500 companies to brand name retailers, and now, more alarmingly, to healthcare organizations, it seems that most people still have a laissez-faire attitude about encryption and protecting their personal information.
One of the problems, experts say, is that most people believe that strong passwords are a fail-safe against getting hacked, when in reality, all they do is create a false sense of security.
If, like most people, you’re unsure what all the hubbub is about surrounding end-to-end encryption, read on to get yourself educated.
What You Should Know
End-to-end encryption is a method of secure communication that prevents third-parties (hackers) from accessing data while it’s transferred from one device to another, according to one technology company.
Translated, this means that any data that is sent cannot be seen by anyone in between — not your internet service provider, the company behind apps that are being created (hello, Facebook and Google) or the person in Nigeria that would like you to send him money that he promises to pay back. Likewise, encryption extends to all forms of communication so that no one can decipher or read conversations, or see photos or videos.
It’s that simple.
All Encryption Software Is Not The Same
Now that you have a better understanding of what end-to-end encryption is and why it’s important, where to start?
One answer that is easy and cost-efficient is the Gabriel app, available at the Apple App Store and the Google Play Store. Gabriel was designed and built with personal privacy and security as its foundation by VirnetX, an internet security software and technology company.
For just $10 to $15 per year, users can take advantage of the Gabriel app and benefit from uncompromising CIA encryption technology that will secure everything from talk, video chat, text, email and even sharing photographs or documents.
No one will be able to see, hear or intercept your communications except for the party you’re in contact with because Gabriel does not transmit or store data with any third party. It’s person-to-person, end-to-end encryption that all but eliminates hacking possibilities.
Other benefits include:
* Making free voice or video calls or sending instant messages to other Gabriel members.
* Receiving seamless email.
* Sharing pictures or files that can’t be intercepted.
For more information, or to download Gabriel, please visit www.gabrielsecure.com.
Source: NewsUSA Computers
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