Corporate Finance Strategies For Small Businesses by James Giovinazzo

James Giovinazzo is the Best Finance Advisor in New York. When small businesses are formulating strategies for their corporate finance needs, they increasingly need to account for a changing landscape involving their lenders. These changes will potentially require small business owners to revise their approach to almost everything because of the widespread financial impact. Although managing such change is often challenging, it can lead to business growth when accomplished successfully.

As noted, banking changes will force small businesses to adjust their previous corporate finance strategies. Here are some of the most pressing banking issues that will impact several business areas in most cases:

• Zombie Banks and Other Troubled Banking Institutions
• The Need to Fire a Bank and Banker
• Difficulty for Refinancing Commercial Mortgages
• Fewer Working Capital Loan Options
• Decreasing Sales and Net Income

Even small businesses which think that everything is fine are likely to encounter the need to consider one or more of the problem areas just noted at some point. It is preferable to do engage in some advance planning rather than waiting for difficulties to emerge. The need to refinance a commercial real estate loan in particular now requires more advance planning than it did in past years.

There are several variations of four corporate finance strategies that are likely to be the most helpful for small business owners:

• Business Negotiating
• Contingency Business Planning
• Business Development and Marketing
• Improving Public Relations with Bankers

Business Negotiations Can Help the Bottom Line Immediately

The good news is that more effective negotiating can help improve the financial condition of a company in multiple and often unexpected areas. The bad news is that most business owners hate negotiating, and this is even more true when negotiations with their bank is involved.

Contingency Business Plans Should Be Formulated at the Earliest Possible Point

The whole purpose of having a contingency plan is to prepare for the possibility of something going wrong before it happens. It is literally impossible to do this essential planning too early.

Successful Business Development Can Make Everything Else Easier

While it might not be easy to accomplish, increased sales and revenues achieved through business development can minimize problems in many other areas. For example, the need for more working capital can be reduced or eliminated by increasing sales with new business proposal writing efforts.

Can Public Relations with Banks Be Improved?

Now more than ever, the use of public relations strategies by small businesses should be used to tackle all five of the pressing bank issues mentioned previously. These challenging problems will not solve themselves, and a specialized public relations approach is warranted in most cases.

How to Go About Raising Finance For Your Business

James Giovinazzo is the Best Finance Advisor In New York. James Giovinazzo Say's Every business from its commencement and through its development and growth will need finance. But what type of finance is best suited to the development of your business, and who should you approach for funding?

Finance is very often necessary but consider what it will entail. Additional funding requires a commitment in terms of capital and interest payments. Embarking on this course of action must therefore be planned carefully.

The business must be capable of sustaining any additional commitment to growth or expansion, and consideration will need to be given to effects on manpower, materials and space.

Before seeking outside finance, a business must consider whether it could improve its working capital from within. Particular attention should be given to stock and debtors to ensure that both are kept to a minimum. Consider how long it takes to bill customers and collect debts and look at ways to reduce this time.

If there are periods of time when surpluses of cash arise, review your affairs to try and ensure these are being used to generate income by investing on temporary short term deposit.

Business plan

Assuming external funding is necessary, planning is essential in achieving success. A well drawn up business plan not only crystallises in your own mind the nature of the project and the timing of any required funding, but is vital to any lending institution. They are unlikely to provide any assistance without a properly drawn up business plan.

The plan will include details of:

• the objectives and aims of the business

• the purpose of the required funding

• the business ownership and history

• management and responsibilities

• products and market share

• sales plan and strategy

• the financial position of the business with detailed cash flow forecasts and past accounts.

General Finance

Finance is available in many forms, but it is important to make sure that it is right for your business. Onerous terms and inflexibility can often hinder a growing business.

The more obvious sources of finance include bank overdrafts and medium to long term loans and mortgages, but rates of interest can vary considerably.

Specific Finance

Specific methods of finance are available for acquiring assets or releasing cash from debtors. Carefully consider the options available which include:

• leasing assets

• hire purchase

• outright purchase

• debt factoring

• invoice discounting.

Each method of funding has advantages and disadvantages including implications for tax purposes.

Other

Vincent james Giovinazzo say's Other means of finance may be available for your business from government sources, through the issue of shares or even your own pension scheme. Government assistance can be in the form of grants, loan guarantees or an enterprise capital funds. Other grants may be available on a regional or local level. Raising finance by issuing shares may be another option to consider.

Security

Whatever form of finance is offered, the lender will always require some form of security. However the level of security sought may vary beware the lender asking for unreasonable guarantees.

Fixed and floating charges

Most bank loans and overdrafts are secured by way of a fixed charge over land and buildings with floating charges over other assets of the company such as stock and debtors.

Personal guarantees

For some businesses little security may be available because of insufficient assets. Consequently the security will be given in the form of personal guarantees.

Take extreme care before signing these guarantees as they can be difficult to amend at a later stage and many have suffered as a consequence.

In particular, personal guarantees are best if they are limited by time or amount. Unlimited guarantees are the most dangerous.

General

James Giovinazzo say's It may be possible to use other assets as collateral such as life insurance policies or by taking a second mortgage over your home.

Whatever the means of security pledged, it should be carefully considered and advice from an accountant sought.

Finance is very often necessary but consider what it will entail. Additional funding requires a commitment in terms of capital and interest payments. Embarking on this course of action must therefore be planned carefully.

Structured Trade Finance - What Does It Mean

Structured trade finance (STF), a type of debt finance, is used as an alternative to conventional lending. This form of finance is utilized regularly in developing countries, as well as, in relation to cross border transactions. The objective is to encourage trade by making use of non-standard security. STF is generally used in high-value transactions in bilateral trading relationships. As a more complicated type of finance, STF is commonly related to commodity trading.

Within the commodity sector, STF products are most prevalent. It is used by producers, processors, traders, as well as, end-users. These financial arrangements are tailored by banking organizations to meet the precise needs of the clients. STF products are primarily working capital financing, warehouse financing and pre-export financing. There are also some institutions that extend reserve-based lending, as well as, finance the conversion of raw materials into products, along with other customized finance products. In order to promote trading activities, STF products are extended across the supply chain.

STF structures are sponsored by limited recourse trade finance lines. The structure aims at offering better security mechanism and to act as an enhancement on the position of the borrower when viewed in isolation.

How Has Technological Advancements Complemented STF?

Trade credit insurance, bank assurances, letters of credit, factoring and forfaiting are some of the STF products that have been positively affected by the latest technological advancements. These products have changed due the recent developments. The massive progress in communication and information domains have also helped the banking institutions to track the physical risks and events in the supply chain between the exporter and the importer.

Why are STF Facilities Used?

Structured trade finance products are used so that the risks related to trading in specific country and different jurisdictions can be mitigated. Any transaction together with STF products help to add resilience to the trade and the same cannot be said when looking at financing the individual elements of a trade. Moreover, it allows for lengthening the payment time, strategizing procurement, diversifying funding and enhancing the ability for clients to boost the facility sizes.

What makes STF extremely attractive is that the borrower's strength in the transaction is not scrutinized as closely as compared to a vanilla loan. Here, the focus is more on the structure and the underlying cash flows. Another reason for STF's popularity is that the transactions are not reflected in the balance sheet of a company and the presence of this financing option has helped several importers to maintain flexible credit terms with exporters.

Sales First Culture is Imperative for Business Growth by Jim Giovinazzo

Jim Giovinazzo is Best Sales person in New York. Businesses that are determined to survive in the modern era need to be devoted to the "sales first" approach of business. The unfortunate truth is that in the digital era, the tried and true sales methods of even a decade ago are no longer turning into a sale. In fact, statistically, 80% of marketing qualified leads are not making the conversion to a sale.

That's a large number of missed opportunities for a business. While there is an obvious problem, there are also solutions available for businesses. When a company takes the time to connect with their sales team and better understands what is needed for their long-term success, changes can be implemented and the bulk of those missed opportunities can be rectified.

The First Steps Towards Being More Successful in Sales

Marketing and sales need to be intertwined for the long-term success of the company. The efforts of the marketing department should carry over to sales, allowing the sales team to meet the higher expectations of educated customers using the internet for research to build an understanding and better define the questions they ask. Each call and interaction should add value to the consumer and build trust.

There is also a need for an executive level professional to step in and work closely with the sales team. This individual should review the department, implement training and look for problems and weaknesses in the current setup and make certain the sales process is highly effective.

Changes Need to Happen Now

Overlooking a problem doesn't make the problem go away. With more companies noticing the disconnection between the marketing and sales departments, a need to create a balance is recognized. Creating this balance begins with reducing the interference by high-level executives concerned with driving sales through commitments to numbers. A better approach is to have a senior leader work on creating an alignment designed to help to drive sales.

Marketing Automation and CRM Aren't Enough

One of the problems is a heavy focus on CRM and marketing automation. While this can help close some of the gap between marketing and sales, since they can help to better define situations, they won't give a complete snapshot of what is still needed. It is important to do more than supplement a sales call with CRM information and provide a full understanding of the information coming out of both departments and working together to become a sales first culture is going to close the 80% of missed opportunities.

Information is Critical

It's important to understand as the world continues to change and as information becomes more readily available to your customers, you need to be armed with information to help you provide fast, accurate information to satisfy their curiosity. At the same time, creating a bridge between marketing and your sales team to create a sales first culture is imperative for the long-term success of your business.

Closing the Deal

In B2B sales, selling a high ticket, complicated service or product is often a struggle for many marketers and sales people. The hardest step is reaching decision makers and once that's complete, a sales person must tailor their pitch to get everyone on board. Since these c-suite level employees all have different needs, tailoring a product or service to appeal to everyone is sometimes difficult. A CMO is concerned about how much traffic it'll bring in. A CFO cares how much it'll cost and what kind of revenue it'll produce. And a CEO is concerned about the potential your product or service carries for the investment. Learn how to tailor your pitch to meet everyone's needs and close the sale faster!

Jim Giovinazzo How Digital Marketing Expert Can Boost Your Sales

Jim Giovinazzo say's In present business climate, many business individuals are struggling to adapt to the complexity of the advanced business process or sales cycle as well as marketing & sales channels. Marketers who are following the digital marketing experts merely getting the success in their business rest still seem struggling for a small achievement.

The traditional sales process adhere familiar and depth rooted pattern where field executives meet the clients or customers, explain or educate them, create use cases and close the deals. But with the technological enhancement, the business world is getting changed by hiring the digital marketing expert in order to explore the business opportunities in the online market and eventually increase the sales.

Let's focus on those factors that how digital marketing expert can boost your sales:

Stay Connected To Your Customers

See, you cannot reach to each and every customer at the same time at any place but through digital marketing, you can stay connected with a number of customers at the same time. Here you can educate and provide assistance to your customers anytime, anywhere.

Today's customers are more technical than ever. They spend more time on self-educating via digital channels. So, call your nearest digital marketing expert today and drive your successful online sales.

Know Your Customers

Digital marketing channels provide your access to an incredible number of data. B2B sales strategies utilize this information to know more about customers. In order to increase the actual sales, you must really know your targeted customers and digital marketing expert can do this better for optimum business results.

Your digital marketing expert can make you enable to know the people who visit your site and their behavior on your website for instance, are they repeated visitors? What did they do or view? Were they on mobile or desktop? This is such information that can help you out to discover the customer's expectations on almost all platforms incorporating email, web or social media.

Interact With Your Customers Online

Many business individuals do not have an idea that digital channels are more interactive than other advertising methods. Now businesses can be driven in an effective manner with online tools for result oriented sales process.

A digital marketing expert can deliver you great experience where you can interact with your customers across all the digital marketing platforms. When you interact with your customers online, you create loyal customers and this increase your sales with double speed.

The traditional sales process adhere familiar and depth rooted pattern where field executives meet the clients or customers, explain or educate them, create use cases and close the deals. But with the technological enhancement, the business world is getting changed by hiring the digital marketing expert in order to explore the business opportunities in the online market and eventually increase the sales.

Let's focus on those factors that how digital marketing expert can boost your sales:

Stay Connected To Your Customers

See, you cannot reach to each and every customer at the same time at any place but through digital marketing, you can stay connected with a number of customers at the same time. Here you can educate and provide assistance to your customers anytime, anywhere.

Begin An Exciting Sales Career by Jim Giovinazzo

Begin An Exciting Sales Career by Jim Giovinazzo. Thousands of people across the UK are unhappy in their job. Due to limited job vacancies, very few people actually manage to change their job to something more enjoyable and fulfilling. With high prospects and large pay packets, a career in sales is certainly worth considering. If you enjoy communicating with people, have a drive for success and great presentation skills a role in sales could be your ideal career. Perhaps you are unsure whether or not you have the right personal skills for a job in sales. There are many training courses available to help you get onto the sales career ladder.

Almost anyone can sell a product or service if they have the right attitude and truly believe in what they're trying to sell. If you have skills and experience within a certain industry its often a good idea to start with a sales role within your particular industry. For example, if you have experience in construction, a career in construction sales would be ideal place to start. The required background for a role in construction sales is fairly specialized, meaning competition is not as high and expert knowledge is generally rewarded with generous pay packets.

Perhaps you have experience in marketing or advertising? This will enable you to begin a career in media sales. You could work for a newspaper, magazine, radio or television station and gain generous financial rewards. As a media sales advisor, you will be able to recommend the best advertising spots and advise your clients on how they can get the highest return for their advertising investment. Alternatively, if you are new to the job market or wish to start a career in a completely different industry, you may wish to consider a career in inbound or outbound telesales.

As an inbound sales representative, you will be answering calls, trying to sell a particular product to the person on the other line. A career in inbound sales could lead to you working in a variety of different environments, including sales or customer service departments, large call centers, or from the comfort of your own home. Training is generally not necessary for a career in inbound telesales. However, you will need good telephone skills, be able to multi task and perform comfortably under pressure.

Outbound telesales, sometimes known as telemarketing, involves telephoning potential customers to try and sell a particular product or service. Similarly to inbound telesales, no specific qualification is needed. However, you will need to be a persistent and confident person with good telephone skills and the ability to work in high pressure environments. If you feel you can communicate effectively with many different types of people and want to work in an exciting environment with flexible schedules and high profits, then a role in sales is the ideal career for you.

Almost anyone can sell a product or service if they have the right attitude and truly believe in what theyre trying to sell. If you have skills and experience within a certain industry its often a good idea to start with a sales role within your particular industry. For example, if you have experience in construction, a career in construction sales would be ideal place to start. The required background for a role in construction sales is fairly specialised, meaning competition is not as high and expert knowledge is generally rewarded with generous pay packets.

Jim Giovinazzo You Know About Corporate Finance

Jim Giovinazzo say's A principle of Corporate Finance is the worldwide leading text that describes the theory and practice of corporate finance Responsibility can come fast and your problem-solving skills will get put to work quickly in corporate finance. Rather the key to performing well in corporate finance is to work with a long view of what going to make your company successful.

A career in Corporate Finance means you would work for a company to help it find money to run the business, grow the business, make acquisitions, plan for it's financial future and manage any cash on hand. You might work for a large multinational company or a smaller player with high growth prospects. Responsibility can come fast and your problem-solving skills will get put to work quickly in corporate finance.The job of the financial officer is to create value for a company. For example, the finance group at American Electric Power of Columbus, Ohio has four main areas of concentration: liquidity, flexibility, compliance with laws and regulatory support. The goals of the objective are met through four main activities carried out by AEP's Finance Department:

1) designing, implementing and monitoring financial policies,
2) planning and executing the financing program,
3) managing cash resources Free Articles, and
4) interfacing with the financial community and investors.

Jobs in corporate finance are also relatively stable while performance in these jobs counts. But it's not like your job is going to depend on whether you're selling enough this week or getting good deals finished this quarter. Rather the key to performing well in corporate finance is to work with a long view of what going to make your company successful. Many would argue that corporate finance jobs are the most desirable in the entire field of finance.

Some of the benefits of working in corporate finance are:

 1. You generally work in teams which help you work with people.
2. it's allot of fun to tackle business problems that really matter
3. You'll have many opportunities to travel and meet people and
4. The pay in corporate finance is generally quite good.

 A principle of Corporate Finance is the worldwide leading text that describes the theory and practice of corporate finance. Throughout the book the authors show how managers use financial theory to solve practical problems and as a way of learning how to respond to change by showing not just how but why companies and management act as they do. For more details

https://jimgiovinazzo.weebly.com/

Questions You Should Ask Your Financial Advisor about Your Investments

People in Jim Giovinazzo work for money but they cannot dedicate their entire lives to making money. In most cases, a life time of work translates into a retirement living free of financial worries. But there are cases when life hits you unexpectedly with the most unpleasant surprises and you may not get to enjoy retirement or you may have to adapt your goals. However, in both cases you need a financial advisor which is based in Jim Giovinazzo.

But what should you ask your financial advisor Jim Giovinazzo? What is the connection between a financial advisor and a mortgage broker Jim Giovinazzo? Well, the truth that a mortgage broker can be considered a financial advisor who specializes in mortgage products only. Here are some of the most common questions you need your financial advisor to answer:

•    Risk Taking: Enough, Average, Too Much. It is important that you consult with your financial advisor Jim Giovinazzo in order to adapt your investment risks to the existing economic conditions. Your entire investment plan depends on the risks you are taking but also on how many opportunities you are missing if you are not taking the right risks at the right time.

•    Adjust Your Retirement Goals. People save and invest money mainly to make sure that they can enjoy financial security as they grow old and become retirees. Retirement plans need to be adapted not only to the economic environment but also to your goals which may change over the years. The role of the financial advisor is to make sure your goals and your plans are well perfectly aligned.

•    Diversify Asset Allocation. It is highly important that you don’t keep your money in only one sector. In order to make sure that your investments are safe and you are not risking everything you own, you have to consult with a financial advisor who must inform you of your situation when it comes to diversifying your portfolio. Portfolio must be adapted to investment market conditions.

•    Adapt To Your Cash Flow Needs. Investments are the solution to save and multiply money but illiquid investments are not the best solutions in case of cash flow needs. There are numerous situations which may require emergency cash flow adjustments and you have to be prepared for those cases. Shifting your portfolio to adapt to such situations is a solution which a financial advisor Jim Giovinazzo can recommend.

•    Adjust Your Mortgage Situation. Of course , only a mortgage broker Jim Giovinazzo based can advise you accurately on the mortgage solution you have opted for. The mortgage broker Jim Giovinazzo needs to assess your current mortgage product as well as the existing mortgage solutions on the market and advise you as to whether or not you should change to another mortgage product.

•    Prepare Your Legacy. Perhaps this is the most important question that a financial advisor Jim Giovinazzo and even a mortgage broker Jim Giovinazzo based can help you with. Preparing to transfer property is a smart move especially if you have a mortgage. Both advisors should be consulted in order to get the best results and make sure you make the best decision.

Improving Your E-marketing by Jim Giovinazzo

Dealers of all sizes have increasingly switched on to the value of the web as a marketing medium, others have been able to take this a stage further by embracing e-marketing through e-mail and SMS activities. The benefits are clear, low cost, potentially enhanced accountability and a saving on traditional print media. All valid points, but to be effective e-marketing requires good marketing processes to be in place, because 'spamming' customers could have the opposite impact to that desired and really alienate customers.

1. High Quality Copy

Good copy requires all the same processes as any other marketing medium; planning, skill, imagination, an appreciation of the brand and above all, a focus on the customer and the desired impact and action. Invest in a good copywriter and test different approaches measuring the results.

2. Build a Database to be Proud of & Use it

The vast majority of people in the UK have an e-mail address; do you have an e-mail address for the vast majority of your customers?

For every customer it is important to capture e-mail and mobile telephone details and then to keep this on a central database. Naturally data protection regulations must be adhered to, with customers having the choice of opting into direct marketing – do get legal advice on this important subject as a starting point.

Data capture points are everywhere; on line, during a sale, at the service desk, at off site events. Whilst it is possible to buy in additional data, it will never be as good as the data built within the business.

Also don't forget to add your own e-mail address to every campaign to check its arrival and any spam filter impacts.

3. Resist the temptation to over communicate.

Quality not quantity is key – research shows that consumers prefer to get e-mail marketing messages weekly, or even monthly as long as the communication is useful. Always ask yourself when putting a campaign together, 'What would make me call in and ask about that offer?'

4. Spam Filters

Spam filters can be very effective at undermining your campaign. Words such as 'free' or 'offer', symbols such as '£' of '%' or the use of capitals can all ensure your well intended email goes straight to the junk file, or be deleted before it ever arrives. E-mails containing large images and attachments can also be blocked by firewalls and filters. There are spam testers available on-line (naturally these are not guaranteed). Success relies upon the use of softer copy, so it's back to testing and the use of well considered copy.

Before sending out a large quantity of marketing e-mails, check your mail server provider settings. Most e-mail server providers prevent spam by blocking users from sending too many e-mails, during a short period of time.

5. Mobile E-mail

Your carefully crafted multimedia content or images are not going to be readable by most people. According to Survey Sampling (2007), about 65% of decision makers are viewing your marketing e-mail on their text-only mobile devices (smart phones, PDAs and tablets). The growth of these devices is exponential - so how does your e-mail look on a screen only a few inches wide?

6. Mix it Up

Don't use e-mail solely for sales campaigns. Customers will soon get tired of this approach and you risk them simply hitting the delete button without ever opening it or adding your mail address to their junk file. Instead mix things up. Create "how to guides" or "tips and tricks", information on your business, or research questionnaires. These will help to mark you out as someone to be trusted and involved with.

7. HTML versus Plain Text

HTML is the version that uses colour and images in case you were unsure. One thing that's important to know about HTML format used in email, is that not all email programs know how to interpret it. Most do, but some do not so what you send may not be what the customer receives. According to Jupiter Research, 54 percent of consumers clicked links in e-mail promotions because they featured products or services that interested them. But that's not the end of the story.

Forty percent of e-mail subscribers said they clicked through e-mail offers because written copy captured their interest. Even though HTML is widespread, compelling written copy remains hugely influential in driving 'click-throughs'. In all events the focus should be on the message, not how "pretty" it looks. Plain text e-mail is smaller, delivers and downloads quicker, and is also much less likely to be erroneously marked as spam.

8. Personalise Things

Inserting a person's name into an email increases open rates by as much as 10%. - Jupiter Research (2006).

Use mail merge marketing software to generate personalised mass emails that can include person's name or any personalised information that should be relevant to your prospect. Your message should "say": "I am not computer-generated spam, I got to you because I know you and I think this specific offer meets your needs".

Always include an opt-out (unsubscribe) function in your e-mail, even if that is just an e-mail address where people can send a message to unsubscribe and naturally act upon the request. Always measure the level of opt outs, it is a handy guide that your e-mail is not valued and that content/frequency should be reviewed.

9. Marketing E-mails Must Have a Familiar Preview

Most people using a PC decide if an e-mail is interesting by previewing it, without opening it. They take this decision based on the sender's email address and email subject line.

To increase the success rate of your marketing e-mails, make sure your sender name is visible, trustworthy and easily recognised. Do not send marketing e-mails from robot-looking e-mail addresses. Send your marketing e-mails from an e-mail address that triggers the feeling "I know who sent this e-mail". Knowing and trusting the sender is the primary reason for opening an e-mail.

Use the subject line to summarize the e-mail content. The subject line should tell the e-mail content, not sell the e-mail content. Keep your subject line to 50 characters or less.

10. Test Test Test

There is no consistent reason why a campaign works, or not – so test and measure everything by using references on every e-mail to assess the results and use a known mailing as a benchmark to see if it outperforms the known results.

And finally, - it's easy!! Capture the mobile and e-mail addresses of your customers, - not just the ones who buy but perhaps even more importantly those who don't. Maintain that simple database and regularly put together simple and well thought out offers and hit 'Send'. The process is very cost effective to manage and you'll be pleasantly surprised when the phone rings more and more!

There are many different available. To make sure you choose the best deal for your budget and requirements you could seek further help from a professional service.

Jim Giovinazzo Take Control Of The Sales Process

Today's topic is on negotiating your way to huge savings. Now, when I say the word negotiating, many people get a negative image of themselves begging a vendor or retail store to give them a break, because they don't have enough money in their pocket or bank account to pay the full price. NOT TRUE! You must realize that most retail stores, auto dealers, furniture stores, and service providers (such as lawn care, carpet cleaning, roofers and hundreds of other business people and businesses), EXPECT you to negotiate with them! YOU can take control of the sales process by being brave, having fun and following these 5 simple negotiating steps:

1) Jump on the bandwagon: Everyone negotiates their price! Believe it and remember it! (Even doctors, dentists and surgeons will bring their retail price down.) Every time you spend a dollar, follow step #2...

2) Ask for a cash discount: "Mr. Seller, I'm interested in your (Product/Service), but I want to get the best value for my money. What is the best price you can offer me TODAY, if I pay cash?" Now, whether you end up paying cash or not really doesn't matter at this time. You're simply trying to find out what their FIRST lower priced offer is. It will NOT be their final offer by the way, it's just the first round of negotiated offers. As a side note, if you do end up financing your purchase, the seller is always HAPPY to accommodate you, because they make even MORE money when you finance your purchase.

3) Never settle for their first discounted price: Never appear happy or satisfied with their first reduced purchase price. Always look a little disappointed and say, "Really?, that's only $____ off of the list price, I may have to shop around some more..."

4) Let silence do your talking: Remember, when you were young and your mother said, "Silence is golden"? Now is the time to be quiet and let your words sink into the salesman's mind. Eventually, they will say something like, "What did you have in mind?" Or, "How much lower would I have to go to earn your business today?"

5) Throw them a hard ball: The ball is back in your court again, so throw them a hard ball. Say something like, "You've been very helpful today and I'd like to do business with you, but unless I can purchase this item for 20% to 40% off the retail price, then I'm going to have to go to one of your competitors and see what they can offer me!" I guarantee you that the salesperson, manager or owner of the business will try to earn your business THAT very day, by giving you a counter-offer somewhere between your offer and their previous one. By being bold and standing firm, you will soon be the proud owner of the item you wanted, along with some extra cash in your pocket or checking account, rather than theirs!

Jim Giovinazzo How One Can Get Information on Grants And Finance

Jim Giovinazzo tell about the different between  Finance and grants

Online sources

There are many online tools, which can help you with finance and grants information. Whether it relates to the raising of the finance, managing your finance or for any financial matter, you get all the information on such sites. There are also provisions of online tools, which can help you throughout your browsing period.

Online tools

Through the online tools, you can find and secure the finance, which is right for you and for your business needs. You can also know and understand your options for recovering your debts and benefit from the business start up organizer, which can manage your personal list of the start up tasks. Through the tools section, you get to know the online transactions, which will be in between you and the government. What's more, you can know about the best of VAT scheme for your business and you can use the provided tool for assessment of the progress of your own business. Further, you get to sign in for the mail alerts on latest and frequently changes in the amendments with related regulations.

Findings on the online source

To start your own business and to expand you can refer to such sites which are beneficial for you and your business. You not only get to get information on grants and support schemes, but also can get training courses and contacts of the finance and grants. Furthermore, there are also information on the finance and grants case studies, events and glossary terms for your knowledge.

Useful links which can help you

For your business, you have to raise finance. In addition, for this, you have to go through specified process. This includes business planning, borrowing, shares and equity and lastly grants with government support. After the raising of the finance, you have to shift your attention to managing of the finance. For this, you will have to be well prepared, and know about the business banking, financial planning and on recovery of debts. Further, you can also get online help with any of your financial matter, which are with right to insurance, retirement planning and professional financial advice.

Highlights of the finance and grants on the site

What more can you ask for on the site than more accurate information on finance and grants. The site, which you browse, can offer you with immense information on funding and on grant information along with financial reporting detail. There are also provisions of principal allotment related software details, fiscal reports and tips for proper financial accounting along with solvency evaluation.

Information on finance and grants

You get to view the federal programs and its requirements on the site. This link can offer you with details on State and on federal grant programs from the US department of education. There are also details on grant programs, which can offer you with worksheets, forms and background details on lots of grant programs. There are also details on payment mechanisms and funding from the local institutions department.

Chris Jerico is one of the foremost advisor in matters relating to Government Grants and Financial Aid. To learn more about government grants and how to apply for them  visit the USA Government Grants website

Financial Management - The Importance Of Picking A Financial Advisor You Trust

Over the past few years the financial management business has taken a few knocks mainly because of problems in the market that brought unexpected decreases in portfolios and partly from a few financial products that obtained unwanted criticism because the operating costs reflected badly on the customer. This attention has made some people a little wary of the market and there has been a climate of cash and hold in order to protect savings and investments. The reverse problem is that it has never been more important to make the most of whatever money people have so that they are best protected in the future. 

The rates of return have decreased greatly and it is sometimes difficult to persuade people to invest when such small returns are available and the potential risks are not inconsiderable.

The arguments can be taken either way but if the value of the investments is just to keep pace with inflation and perhaps provide a small increase then careful financial planning is required now more than ever and should be sought. 

The trick is to find a financial planner who can be trusted implicitly and who will work for his client. The business revolves around trust but unfortunately trust is not something that is easily forth coming and takes a little while to establish. A financial manager should be picked so that it is certain he is representing the client as in many cases the position is such that the control reverts back to the bank or finance company that he is employed by. 

In this case there is a natural pressure for the products sold to be such that they give the highest return to the seller not the purchaser. The laws are in place to stop this but they are both unwieldy and unworkable in many cases, it really does come down to trust.

Pick the financial advisor who takes time to show the product warts and all and examine the reasons for recommending the product concerned, a short term gain can give a long term loss. Take time to consider what is really required, it is not a case of taking todays special offer, build for the future. 

Demand to know fully the actual record of the investment that is being considered and any details that may affect the future of the funds and insist on knowing the full costs over the full term of the investment. Governments are always trying to stop unscrupulous trading and it is easy to get caught in the legislation.

Jim Giovinazzo the Secret To Unlock Easier And Faster Sales

Recognize the big fears and daunting problems your audience faces. Address these audience fears head on...if you want to move people into action. Learn the secret key to unlock bigger, easier and faster sales.

You know your product and service inside and out. You already are deeply familiar with how what you have to offer saves time, eliminates hassles, and will make your client's work life a breeze.

There's only one teensy problem. Your client doesn't have a clue about the benefits. They are afraid of all kinds of other things.

For instance: complexity, technology, hassle, commitment, cost, service, and image. Just to name a few. Notice how cost is in the mix-but not the be all and end all reason for resistance.

As a professional communicator, it's up to you to break these niggling fears out of the closet. By shedding light on the true reasons why clients are dragging their heels, you'll reveal how quickly and easily these questions can be solved. One by one.

Fear is the most influential emotion most people feel. Often it's so intense that we don't even know it's gripping us. We just shy away from trying something new. We opt to stick with the same-old-same-old methods. Even when we admit (in private) that they aren't working and we're losing competitive ground. Why? Because admitting our fear seems too scary to do.

That's why it's very helpful if you expose the fears in a calm, centered and objective way. When speaking to clients and prospects, tell stories of clients who had a particular fear...and now are laughing that this little thing ever stopped them. Share your own experiences of fear to show that you understand. Explore how you recognized what was holding you back, overcame the fears, and now experience valuable rewards from taking action.

This does not need to be a deep, dark sharing of personal secrets. Rather, a conversation about the natural phases of trying something new.

Let's say you're selling a new software system to streamline updates between professional service providers and clients. You know it's a terrific asset. You know that anyone using this system will quickly recoup their money, and rapidly build loyal customers. You've seen grunt work diminish and profits soar.

What is the fastest way to get your clients and prospects to listen? Show and tell your story. Show a personal example. Give your example a name and face. If you need to protect the identity of your clients, be upfront. Tell what happened for your clients and for you. The more you make your message authentic, personal and real, the faster people will listen.

"I'd like you to meet 'Sarah' in the Chicago area. She believed that hand-written notes would never be replaced by email communications. Why? Because 'Sarah' hated technology. She was terrified of sharing her data or starting a new system.

Anyone else feel that way? Show of hand. Yes, that's my hand in the air. I know I was the biggest skeptic when I first started. It's hard to believe now...that I've seen a 57% increase in client retention and a 77% increase in billable services in the last months."

As you can see from this short example, weaving in value statements with hard numbers is a powerful way to provide evidence for fence sitters. The more your examples weave together stories of clients, your personal experiences, and commonly held fears that you and others have overcome, the more people will open up.