What is the Difference Between a Credit Union and a Bank

Banks and credit unions seem very similar to most people. They both offer deposit accounts and various types of credit. They have many of the same services, telephone banking, online banking and ATMs; but there are some major differences between the two. If youre wondering where to turn for your next personal loan or arent sure where to open a savings account consider the following differences between a credit union and a bank.

Credit Unions

A Credit Union is a member-owned not-for-profit financial cooperative governed by a Board of Directors elected by the credit unions members. The members of a credit union usually have something in common, such as living in the same geographical region or belonging to the same organization.

Credit Unions offer everything from checking and savings accounts to small business loans, car loans, mortgages, personal loans, and more. A credit unions main focus, however, is on savings and it will usually offer higher interest on savings products than a bank. A credit unions not-for-profit status means that any income it earns is given back to its members, usually via lower interest rates and fees.

Banks

A bank is a stockholder-owned financial institution. Its main goal is to make its investors money and it does so by investing its customers money or lending it to other customers. When you make a deposit at the bank you are essentially loaning money to it. The bank pays you back in interest for that loan but the rates vary depending on the bank (consider that 0.05% youre now making on a savings account you opened several years ago when interest rates were much higher).

Banks also make their money in fees (ATM fees, overdraft fees, late payment fees, etc.). Banks carry the same products as credit unions, deposit accounts, IRAs, credit cards, and so on, but unlike a credit union, a banks products are FDIC insured. (Credit unions are insured by the National Credit Union Administration (NCUA) so funds are still guaranteed should the credit union fail).

While it may seem that banks and credit unions both offer the same products and the only difference is in who owns them, credit unions lead the way when it comes to service. Surveys of bank customers and credit union members consistently show a higher rate of satisfaction among credit union members. And while banks are often able to provide more convenience, in that they typically offer more branch locations, customer satisfaction is not as high.

Uniformmarket At 2013 Naumd Trade Show

The 2013 NAUMD trade extravaganza, Innovation in Action are going to be held April 5-8, 2013 at the Renaissance Orlando perplexed World. UniformMarket continually attends the NAUMD trade extravaganza to be told what’s new within the Uniform, Footwear, Gear and Accent Trade.

Throughout the year, UniformMarket asks its purchasers that new suppliers they’d prefer to see added the seller Alliance Program, which forms the premise for the work that the executives of UniformMarket do at the NAUMD convention. UniformMarket goes to the NAUMD expo, introducing their business ideas to new uniform trade suppliers and discussing with these suppliers how their participation within the Vendor Alliance Program will profit their distributors additionally as their own businesses. The fullview of the UniformMarket private Store (Company store) ideas, additionally because the on-line uniforms store builder is usually a watch opener for the suppliers at the NAUMD trade extravaganza.

NAUMD 2013 are going to be no totally different, with UniformMarket visiting current suppliers and looking out to fulfill new suppliers. If you’re a retailer, reseller or distributor of uniform, gear, footwear and accent who has interest in a very web site store builder, whereas you’re at the 2013 NAUMD trade extravaganza, offer us a decision and tell us who you would like added to the seller Alliance Program or talk over with us concerning our personal company store ideas.

UniformMarkets Vendor Alliance Program allows makers to share their entire family of uniform programs, images, products, videos, size charts and different promoting materials all the way down to the SKU level to be used in their approved resellers websites. Your approved dealers will simply deploy and maintain up-to-date Uniform eCommerce Websites along with your product, that makes the uniform getting method a lot of seamless and economical.

At UniformMarket, we tend to are committed to advancing the uniform trade makers and their retail channel by increasing their selling hours, client service, and shopper reach through the utilization of advanced on-line company store services. Over the past 5 years, uniform resellers are able to access and sell over 1,000,000 product using the UniformMarket Store System (UMSS). Resellers have deployed each public internet stores additionally personal stores from that complete Uniform Programs are sold and managed.

UniformMarket allows approved retailers to use your product info with our Vendor Alliance Program. The seller Alliance Program dramatically improves the potency of the retailers to come up with incremental revenue via Uniform eCommerce Solutions additionally to their retail stores.

Tips For Losing Weight That Don’t Break The Bank

Have you ever research how to lose weight quickly, only to realize that a lot of what comes up is quite costly? I just came across an 8-week laser weight loss program for $2000. I’m sure if the person is motivated and follows it diligently, they will in fact lose weight. But not everyone has that much extra $$ to throw at it. So it got me thinking, what are some tips for losing weight that won’t put a major dent in your bank account!

1) Label readers. Can’t fool you right? Actually Consumer Reports published a story how much we’re being fooled by food labels. Not only should you pay attention to the actual ingredients in the product, but read the calories. It might read -200 calories per serving- but pay attention to what an actual serving size is according to them. Quite often its – the product in the box. So of all a sudden those 200 calories are up to 400 or 600!

2) Diet Pop. One would think that switching to calorie free soda would help with weight loss. Study after study proves otherwise. In fact diet pop drinkers tend to be 6 waist sizes bigger than regular pop drinkers. There has been evidence to suggest aspartame (a sugar substitute in pop) has been lined to raising blood sugar levels, a key element in fat gain.

3) Sleep. Sleep is an essential part of our overall diet and fitness plan. Our body repairs itself during sleep and releases something called, human growth hormone, which aids in weight loss. But did you also know that on average, people who don’t feel well rested tend to eat an additional 300 calories a day?? When our bodies are sluggish, our metabolism slows down to conserve our energy resources. It also triggers our cortisol levels which increases our appetite. So next time you want to stay up late to catch your favorite program, PVR it and enjoy a restful sleep.

4) Turn down the heat. It’s a fact, when our bodies are cold, they will burn fat to heat us up! Our muscles contract and use stored fat to help heat us up. So turn the thermostat down a few notches, save some coin while you’re at it! Or enjoy a brisk walk in the winter weather. These are all simple tips for losing weight with an easy diet and fitness plan.

If you’re someone wants to learn how to lose weight quickly, then ImpactFitnessInc.com is for you. We show you how to lose weight with diets that work. Learn from the pros who train the pros.

Money – Solutions To Every Problem Since

Since the Stone Age, man has always strived to search for new ways to be capable enough to satisfy his needs. As he evolved from being an ape to being one of the present Homo sapiens, his needs have always increased. As inventions grew, requirements grew and ultimately needs. As man evolved from a single man into a family his needs were no more his alone, he had his needs plus the needs of his family. This ever growing graph is still in the growing stage and will always keep growing.

In today’s world the only reason why everyone works and strives hard to earn money is just to satisfy needs which are followed by desires. Basic daily needs to be looked after are hunger, clothing and shelter, and even these become desires when one wishes to change his lifestyle and make it better.

But even in such working class of the society there are a few limitations attached. It’s not that easy to earn enough money which can fulfill and satisfy all the desires of man, and one cannot always stay with one job unless he or she is self employed. Money is not only helpful for satisfying the daily needs but it’s also the only way out in case of an emergency. It is money all the way which helps and gets one out of any trouble.

In the stressful life of each student, an actor, a doctor, finally, around the world, health problems are entertaining easy and difficult to handle. To cope with health problems like you need money to pay salaries. In addition to maintaining a healthy needs to pass on surcharges that could receive and maintain perfect health for a healthy lifestyle.

Earning money may not be that difficult for the major portion of the society, maintaining and utilizing it the right way becomes a big issue. With the ever increasing expenses it becomes tedious to keep a track of where the money is going, and if the money is being invested in the right place.

In order to keep the hard earned money safe, and make sure it’s used for the right thing people turn to many banking firms and sometimes also opt for investing. Reliance Money is one of these companies which provide various benefits related to investments and the security of the deposited money.

Everyone wants to keep his money in trust for the hands and wants the money to go down the drain. To resolve this file has been put in place that do not take your money safe, but sophisticated investment plans that are issued by companies such as Reliance Money is used for this purpose.

The Real Deal With Bank Properties Listings

While there are indeed many bargains that can be found in the foreclosures market, you should not expect that every property that appears in bank properties listings is a bargain. There are many factors that could drive property prices either up or down. Knowing how to appreciate the market as well as the forces that move behind foreclosures and the entire real estate industry can level your expectations. When dealing with bank properties in particular, take note of the following as smart guides so that you may be able to purchase properties wisely.

The Real Deal With Bank Offerings

It is a common notion that bank properties are the safest to buy in the foreclosures market, owing to its ability to erase all liens and transfer clean, good property titles to the buyer. However, despite the screaming ads that boast of low prices and steep discounts, you should be aware that banks do not pass everything on a golden plate.

When pricing a property and before putting up in bank properties listings, the bank would usually price it almost near to what it is worth, unless it foresees that the property would hardly sell in the market. To attract buyers, banks would commonly employ marketing strategies that would entice the average buyer. This includes offering the property as a move-in-ready property or including some furniture with the sale or even waiving some of its closing costs.

Also, while banks generally aim for quick sales, this does not mean that they jump in on every offer that they receive for a property. In fact, many foreclosures stay on the market for several months before signs of its being sold even become apparent. The main reason is because it could take weeks or even months for a bank to respond to a buyers offer. And when it does, it almost always makes a counter-offer which could again prolong the negotiation.

Another thing to be aware of when dealing with bank properties is the fact that defects in property conditions are hardly disclosed by the banks. This is understandable, since many state laws do not or even exempt them from disclosure liability. Another reason is that banks could not be expected to know the condition of all the properties in its inventory.

Finally, when looking at bank properties listings, bear in mind that there are very few banks that will offer or even entertain pre-closing repairs. If you think that you can insert the deal at any time in your negotiations, you may be in for a surprise. The way to deal with this is to do your own inspection and approximate the repair costs to determine its level of acceptability to you.

The currency war and its effect on the banking system

The currency war and its effect on the banking system will be determined after the meeting in Washington is concluded. With the Chinese president meeting with President Obama in the White House, the hot topic is trade and the dispute over currency manipulation.

What is apparent to the world is that both nations are currently, and have in the past, manipulated their currency value to favor trade for their respective nations. This has not stopped both nations from blaming each other on this topic. The US has been a world power for over 100 years now and has used a heavy stick for most of it. Congress still thinks this approach will work and are furious with China for not giving in on this matter.

Congress has gone so far with this attitude that they are debating legislation demanding punishment against China for manipulating their currency and making it harder for US goods to be sold in China. This big stick, like the one Teddy Roosevelt used when he was a Rough Rider, will not work any longer. China has the economy with double digit growth, while America is new double digit unemployment.

The current bank rates in America are near record lows while China has to raise their interest rates to stave off inflation. This, along with their military power, America needs to tread cautiously and not like a bull in a china shop.

China has asked to be treated as an equal. If this does not occur, then the currency war and its effect on the banking system in America will not be favorable for our economy or the world. Obama, put the stick down and be the salesman America knows you are. It is how you got into the White House.

We strive to bring you the latest and most accurate data possible from the home sites of the financial institutions we name. Always remember, the bigger the risk, the larger the reward or loss. Invest with caution.

For additional resources involving financial help, please view PNC Online Banking, SunTrust CD Rates, best bank savings rates, Westpac Online Banking and Online Banks at

Why Small Business Needs Accounting

According to the NY Times, one of the ten reasons small businesses fail is due to improper or lack of accounting. Corporations spend a significant amount of money and hire accountants to report on the status of the company and maintain day to day operations. Yet, many small businesses end up failing to maintain proper accounting.

Accounting Helps with Operating Your Business
Proper Accounting helps pay employees and vendors; helps with customer invoicing, helps post payments; tracks your business assets and liabilities, and most importantly, it calculates any profits and losses. Small businesses cannot operate if they can not pay their employees or ignore vendors bills and continue receiving materials for their products. Often, those functions are ignored by small businesses due to lack of time thus resulting to work stoppages.

Accounting Provides Feedback
At the end of every period, may it be monthly or yearly, as small business owners, you have some idea of how you performed and accounting provides you the validation you need. It will tell you if you made a profit or loss. If you happen to have a loss, it will determine where your biggest expenses are coming from and if you did make a profit and still left with a small cash balance, it will probably tell you which customers havent paid and which customers are now delinquent. Small businesses fail when what they think is not true and this is the most important reason why small businesses need accounting.

Accounting Helps Comply With Legal and Contractual Obligations
The IRS, other government agencies, and banking covenants require businesses to provide a detailed accounting of their revenue and expenses. Depending on the size and entity type, it also requires you to have a balance sheet or listing of assets, liabilities, and equity. Accounting provides you with that information easily. It provides business owners the right amount of withholding, deductions, and back-up just incase they get audited.

Accounting Provides Non-Financial Insights
Many small businesses fail to realize that accounting is not just financial information. It has information on timing, customer information, employee information, and other information that may not necessarily be part of your financials. For example. a key non-financial trend that small business could pay attention to is their customer demographics, you can identify what your customers age, location, and how they order products and services and you can zone in on advertising to that demographics thus increasing revenue and could lead to increased profit. Another, key non-financial trend small business can pay attention to is monthly sales figures, when a small business realize that a continuous trend of slow monthly per year. A small business could either ramp-up advertising 30 days before as anticipation of the slow month or they could plan a family vacation.

Pnc Bank Online Banking

The PNC Bank Online Banking service is offered by PNC Bank to its customers and account holders. This service enables the banks clients:

To access their accounts from any where in the world.
Perform various functions over the net itself, saving on time.

Features of PNC Bank Online Banking
PNC Bank Online Banking service is available for the banks customers free of cost. Following are the distinctive features of this service:

Account Summary: You can remain in touch with your finances by obtaining a summary of your PNC personal, business and investment accounts through this service.
Account Activity: You can access your accounts round the clock. You can check balances, review recent transactions and view images of the checks you have submitted.
Online Bill Pay: You can save time and money by paying your bills through this service. Online bill payment requires just a few minutes of your time, with you using just one simple screen to place your instructions. This service gives you the flexibility to decide how much you want to pay for each bill.
Online Statements: You can contribute on saving paper. You can use the PNC Bank Online Banking service to receive and view your statements online. You can also print or download statements for up to last 36 months.
Transfer Funds: Through this service, you can move your money to where you need it. You can either transfer funds between your PNC Bank accounts or between your PNC account and your accounts at other financial institutions.
AutoAlerts: You can use this facility to remain informed about every critical event related to your accounts and bills. This service can send you e-mail notifications to alert you about key account activity such as low balances, the arrival of direct deposits or overdrafts on your account.
Data Export: This facility in the PNC Bank Online Banking service enables you to download account activity in Excel, Microsoft Money or Quicken file formats in just a few clicks.

Business Startup Loans – Funds to sustain your trade

Now in this new era every individual has a scope of starting a new trade for extra earning. Not every person can be eligible as you need a good cash flow to run any trade. Business startup loans is good solution to start your own new business without any hesitation. This facility is meant for industrialists who need simple and fast funds to start their business.

The applicant can avail this facility is he/she wants to on a large scale, then long term advance would suite the most. They are those finances which prove to be useful for the purpose of opening a new industry or company. This scheme is really beneficial for people who are not able to arrange funds for the opening of a new company or industry.

These advances are categorized into the secured and unsecured form.If the applicant wants to apply for a secured from of credit they will have to place security against the loan sum taken. Thus, they will carry a reasonably lower rate of interest as the lenders risk is protected. In case of the failure of the payment by the applicant lender will recognize the security and pick up the amount of the funds.

The unsecured category does not stipulate any security. Therefore, it carries a moderately higher rate of interest as the lenders risk in dealing with you is extra. However, the applicant does not have to worry about losing their possessions as they do not place any security in this form of recognition.

In the normal procedure, the submission process is very simple and fast. The candidate needs to fill a relevance form giving all the essential details. The applicant must ensure that the information they propose is right. A single form is to be filled. Once the appeal form is established and approved, the lender will transfer the funds into your pay account.

John Michel is a distinguished author who has lended his expertise to a vast range of products and services centered around Business and Commercial loans.For more information related to Business startup loans,loans for business start up, small business start up loans please visit

Online Life coaching tells you the qualities of an Entrepreneur

If you want to be an entrepreneur or if you want to ignore your 9 am to 5 pm job, want to work, as you feel good like an independent entrepreneur then you should read this article. It will redirect you how to avoid these habits, which will save your life. If you are thinking about starting a new business or you are fed up from your company or your colleagues then we are very honest with yourself. We are also thinking about it for years. We provide you many tips in this article for becoming a successful CEO. I think many entrepreneurs have initial dream of wealth and independence, which turns out to be a mixed bag. With the help of this example, you can easily understand about the initial point of entrepreneur like from romance to comedy, from drama to thriller and others different viewings. There are many companies which provide you information about the entrepreneur needs to develop to be successful. But Business coach for alcoholics is unique from other companies. We provide you some qualities to you. 1.Simplify your goals: – Nowadays many businesses fail with be short of clarity. First of all, the essential thing to know you that what you want, and why you want it. 2.Be a labor head: – Be a labor head, because you can easily maintain and control your workers, as you want in your business. 3.Speak efficiently: – If you have big collection of effectively communication then you can easily hit impression to the people. Otherwise, people get bored during your conversation. I think communication plays crucial role in your business. 4.Be persistent: – If you will do extra hard work in your business, especially in the early years then it makes a big profit for you. The anonymous coach offers you Online Life Coaching which is able to solve your problems. We also provides individual with enough privacy. We also provide life-coaching process, which are very helpful for the people. We are able to provide facial expression or non-verbal communication of the coach.

Trade Show Booths

A great booth must be functional in its application, eye catching and budget friendly- says Chad Rogowicz, Chief Operating Officer of ExhibitTrader.com. Our exhibit designers understand these fundamental principles and specialize in creating environments that will amaze visitors and attendees at your next trade show. With the largest online selection of trade show booths in the industry, our design team can create an exhibit that combines the -WoW- factor with functionality while at the same time adhering to a customers budget parameters.

With the majority of our trade show booths built here in the USA and backed with lifetime warranties, we can guarantee the highest quality exhibit components available on the market. All of our products are constructed of durable, light weight materials to help keep shipping cost and drayage fess at a minimum. With the largest online selection of trade show booths available, we offer displays of all shapes and sizes. From Banner Stands and Pop Up Displays to Custom Modular Exhibits and Hybrid Display Systems, we are sure to have the right solution to fit your trade show marketing objectives.

We at ExhibitTrader.com strongly believe in the value of large, colorful, high impact graphics. When designing an exhibit, we incorporate visually stimulating, informative graphic design into the exhibit system. Our graphic designers work hand in hand with our customer in order to meet their overall branding objectives. Once a graphics design is selected, the design goes to our graphic production facility. We deploy all types of graphics on our display systems. Backlit graphics, dye sub fabric graphics, inkjet mural graphic panels, stretch fabrics, eco friendly graphics and even simple sticky back vinyl are just a few of the graphics applications we use on our trade show booths.

ExhibitTrader.com prides itself in providing full turnkey solutions to our customers. From the initial design, through fabrication, to shipping, and set up at the show, we handle all aspects of our customers trade show exhibiting needs. Not only do we build great trade show booths, but our customer service is second to none. Visit us on the web at www.exhibittrader.com and look through hundreds of display options, chat with our design consultants, and enjoy the best customer experience on the web.

About Investment Banking and Why You Should Seek Expert Help For It

Investment banking is a widely accepted phenomenon presently, the major reason being expert advice provided at every step you need to take. Financial giants take the responsibility of making sure your money grows avoiding the risk of down fall. Today every person at some point or the other thinks about investing some amount of money in the stock market. A major worry of all these people is the uncertainty; investment banking beats these blues and offers best possible investment advice to its customers.

A major chunk of people involved in investment banking do not have the time to keep an eye on the ever changing markets and track their returns. In such cases arises the need for investment banking services. These companies do all the hard work of market research and analysis and advice investors on where to put their money for maximum returns. This also depends upon the amount of money the person is willing to investment.

There are many sectors in which investment banking is being carried out, few of them include retail healthcare, insurance and automobiles. Another emerging trend in this banking is that of equity investments. Equity investment banking is based on the dividends of the existing shares an individual holds. There are expert advisors who guide the movement of funds here as well so that there are no last moment disappointing surprises.

When it comes to investing money not all have the perfect knack hence it is always good to seek help of an expert investment banking company or equity investment banking services. Money after all is a crucial issue and you would always want to see it grow systematically. Another advantage of investment experts is they help you understand the market well. You get to know where your money is going and the reason behind it too. These services do come with at some extra cost but are sure to give you peaceful night sleeps and not make check the stock market prices every now and then. Let the experts do their job so that you can relax and reap the benefits.

Choosing the right financial advisor is also important in such cases. Also reading the fine print before finalizing anything is advised as there are many terms and conditions that come along with investment banking. You can take reviews of family members, friends, colleagues etc in deciding which and choose. There are numerous financial institutions and each one of them is offering investment banking services due to its rising demand.

Singapore Business Registration Guide for Foreign Entrepreneurs

A person with his own business enjoys more financial independence and greater control on his financial status. But to succeed in any venture, it is important for anyone to visualize first his goals, business structure to follow, and other related details before proceeding to his business. Three Basic Types of Business Entities

The first thing an entrepreneur should decide is what type of business entity he wants to adopt before he starts the application for Singapore business registration.

Is it sole proprietorship in which he would be the only owner and will enjoy full control? Is it partnership in which he can have up to 20 business partners which means more funding? Or is it private limited company (or corporation) in which his business will enjoy perpetual existence while his personal assets are protected from the debts and losses of his company?

Every business entity has its own pros and cons which must be greatly considered. However, most experts agree that a private limited company is the most ideal for entrepreneurs with a long-term goal for their business as this setup will allow them to enjoy protection of asset, attractive corporate incentives, and other benefits.

The Products and Services

Bonafide entrepreneurs have always associated their products and services to their target-market so they can estimate the amount of capital they will need, equipment and materials to be purchased, and the level of quality they should offer.

Meanwhile, these questions can guide budding entrepreneurs on deciding on what products or services they should offer: What are my niche skills and interests that can generate profit? What is the estimated profit of my product? Can it be easily sold? It is easy to produce? Does it have an existing target-market?

Competitive and Market Analysis

One of the most important things any entrepreneurs should do is examine the business environment which includes the existing competition, different types of consumers, media, social norms, and other factors which can have a direct and indirect impact on their business.

When conducting competitive analysis, most experts agree that these four factors should be the main focus of entrepreneurs: who are the direct and indirect competitors, the specific market of competitors, the number of years they have been operating, and how do they attract their target-market.

Operations of a Business

Operations usually include the location, how many employees a certain business will need, the equipment, machinery, suppliers, materials, ways to track inventory and sales, and other related-issues.

Make Money Posting Links From Home

Here is a simple technique you can use to make money posting links from home. There are tons of places that I use to place links. The more places you promote your links the more income potential you have. I like to look at it as passive income.

Place your links all over the web through the avenues I mention below to start making money posting your links. To get started I recommend you set up a free account at Linkbucks or any link paying company. Go here to get more info on how to do this.

So once you have your links set and ready where can you place them to start getting clicks?

Forums & Message boards “” Placing your links in forums and message boards are great places for your link promotion. There are tons of forums online where you can get exposure for your links. The clicks you can receive are amazing, You just have to place your links in the right place.

Social Networks “” Social Networks are great places for link promotion. Places like Myspace, Facebook, Twitter and Linkedin are all good avenues to receive clicks. You can achieve a good amount of clicks just by posting on your status or in groups.

Article Marketing – If you write a lot of articles you can post your links into articles and submit them to article directories. The trick is to submit them to high page rank engines, thus bringing you more clicks.

Email Marketing “” The quickest way to start getting clicks is to send everyone on your list a email message with one of your links. You can also place links in your signature in emails and forums to get even more potential clicks.

Be creative when on your link promotion campaign and watch the sales roll in. Try these avenues and see how they work out for you. The good thing about it you will be getting clicks for years to come. That”s awesome income potential.

For more info on making money posting links check out:
Simple Money Making Method Posting Links To Your Music
How To Make Money Posting Links To Your Music

Best of luck

Entrepreneur Facilitation Center & Development(EFC INDIA), Co-Working Space in Pune,Shared Office S

Entrepreneur Facilitation Center & Development “This Incubation Park suits to IT / ITES /SERVICES SECTOR Technology Based startup, service concept based startup and any other concept / idea which required an office space to start and run the day to day operation”. We at EFC India, support the young budding entrepreneur with complete guidance on their idea or business plan, provide them with all necessary required things like office space, equipments , office, machines & fixture, manpower hunting , sanctioning loan , legal documentations etc. every bit of thing required to start their own business. EFC India is an Entrepreneur Park, where the ideas get converted into reality and fruitful business. We with our team of experts transfer knowledge and skills, help you with all new technology and market support , provide complete training on modernization and expansion of business to enhance the quality and productivity of your business. All you need generate a great idea of business and we help you shape it into reality! -WHAT WE PROVIDE-

You can send your business plan to

You business plan should not be more than 7 – 10 pages and should crisply cover the following aspects –

1. Introduction of you , your team & business that you want to start. 2.Your Target Customer Your Business Plan & Projection – business model innovation that differentiates you Your revenue model / Earnings – how will you make money, pricing etc. 3.Sales and Marketing Strategy – how do you plan to spread the word around about your solution, how would you sell it? 4. Management Team – Who are the main team members and advisors. 5. Financial projections – What are your cash-flow projections – expenses and revenues? How much money do you need to raise as investment? 6. When would you start breaking even operationally? Approx. Amount of Investment requirement ? 7. Team size / No. of people you will hire.

send your business plan to