Profitable E-Commerce — Making Big Money With E-Commerce

In today’s highly advanced mechanism of transacting business, E-commerce becomes a common media for people to do business with other people. Every business transaction that is being made is made possible through the combined usage of the Internet technology and of the E-commerce methodology. E-commerce is seen as a highly potential tool to for one to generate more money and profitable income. If you want to learn more about this, you may want to continue reading the rest of this article material.o E-commerce offers 24 by 7, 7 days a week, 365 days open online store. As such, it is generally advantageous for most businessmen because E-commerce is able to provide the needs of its consumers round the clock. With E-commerce’s round the clock capability, it is also able to provide support system with its clients.o E-commerce does not need too many working staff. Staffing is one of the most strenuous and capital investment’s enemy because the money that can be used to capitalize a bigger investment is being divided by the need to pay for human resource. With E-commerce, a few people will be needed to operate the business online, which means more savings for the investors.o E-commerce provides a wider geographical means to be in touch with you clients. Because of the capability of the Internet to supply information to all people round the world, it made it possible for E-commerce to do the same thing. E-commerce is capable of reaching out to its clients wider in geographical and demographic sense.
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Which Men’s Underwear Is Best for Sport

Following the end of the Summer 2012 London Games we have become a nation full of renewed enthusiasm for sport and have started to dust off the gym back, air the trainers and splash out on some new trendy gear. As more people join gyms and sports clubs they may be interested to learn the importance of choosing the right underwear for sport.Men often over look the most important things in their sports locker such as their choice of sports underwear and this is probably because they are an item of clothing which doesn’t allow them to flash a sporty designer logo. Yet they are probably the most important piece of your sports attire you will purchase because a testicular trauma is probably going to be far more painful than anything else you might sustain from incorrect sports wear.High impact sports account for the most reports of testicular trauma and it is hardly surprising when you think about how much bouncing and jerking around they have to sustain during a game of rugby for instance or even running. Women appreciate the importance of supporting bouncy parts during sport and have been wearing sports bras for a long time. Yet, how many men still wear their regular undies to the gym, loose fitting boxers and baggy briefs that have very little support or sports benefits whatsoever.So what exactly are the important features we need to look for when considering what underwear we pull on for the gym? Here are some top tips of key features you should look for.Support is probably going to be the most important feature to look for when choosing suitable underwear for sport. Traditionally men’s underwear consists of a pouch at the front formed by two vertical seams either side of the pouch to provide shape. However, this type of construction offers little support or control. More supportive underwear often features a shaped pouch that incorporates a semi circular seam that passes under your ‘giggleberries’ to cup and support. These are by far the most supportive and having ensured you have chosen the correct size will be probably the comfiest design you will be able to find for sport.Fabric are an imported aspect and there are many types of natural and synthetic fabrics to choose from, which have developed a long way technically. Often the best type of fabric for sport is a cotton rich or a cotton modal fabric as these offer a soft, natural and breathable experience. This is important when it comes to allowing air to circulate and reach the skin as will as wicking moisture away from the body to minimize the potential for fungal rashes to occur or irritation. However, there are equally some very good synthetic microfibers available and ones that even offer anti bacterial properties to reduce the unwanted effects of body odor to develop.Finally, you will want to consider the overall construction and quality as you will be putting them through some enduring paces whilst at the gym. Many of the comfiest fabrics and underwear can be on the thin side or even incorporate perforated mesh material to make them cooler and more breathable, which is fantastic. However, all I would say is do not compromise on quality as this is one item of clothing that needs to standup to doing its job. Take a close look at the stitch and look for a quality finish. Double stitch seams and soft quality internal wash labels are a good indicator that the manufacturer has not cut corners, hence you should be able to expect the rest of the garment to be of good quality.

Alternative Financing Vs. Venture Capital: Which Option Is Best for Boosting Working Capital?

There are several potential financing options available to cash-strapped businesses that need a healthy dose of working capital. A bank loan or line of credit is often the first option that owners think of – and for businesses that qualify, this may be the best option.

In today’s uncertain business, economic and regulatory environment, qualifying for a bank loan can be difficult – especially for start-up companies and those that have experienced any type of financial difficulty. Sometimes, owners of businesses that don’t qualify for a bank loan decide that seeking venture capital or bringing on equity investors are other viable options.

But are they really? While there are some potential benefits to bringing venture capital and so-called “angel” investors into your business, there are drawbacks as well. Unfortunately, owners sometimes don’t think about these drawbacks until the ink has dried on a contract with a venture capitalist or angel investor – and it’s too late to back out of the deal.

Different Types of Financing

One problem with bringing in equity investors to help provide a working capital boost is that working capital and equity are really two different types of financing.

Working capital – or the money that is used to pay business expenses incurred during the time lag until cash from sales (or accounts receivable) is collected – is short-term in nature, so it should be financed via a short-term financing tool. Equity, however, should generally be used to finance rapid growth, business expansion, acquisitions or the purchase of long-term assets, which are defined as assets that are repaid over more than one 12-month business cycle.

But the biggest drawback to bringing equity investors into your business is a potential loss of control. When you sell equity (or shares) in your business to venture capitalists or angels, you are giving up a percentage of ownership in your business, and you may be doing so at an inopportune time. With this dilution of ownership most often comes a loss of control over some or all of the most important business decisions that must be made.

Sometimes, owners are enticed to sell equity by the fact that there is little (if any) out-of-pocket expense. Unlike debt financing, you don’t usually pay interest with equity financing. The equity investor gains its return via the ownership stake gained in your business. But the long-term “cost” of selling equity is always much higher than the short-term cost of debt, in terms of both actual cash cost as well as soft costs like the loss of control and stewardship of your company and the potential future value of the ownership shares that are sold.

Alternative Financing Solutions

But what if your business needs working capital and you don’t qualify for a bank loan or line of credit? Alternative financing solutions are often appropriate for injecting working capital into businesses in this situation. Three of the most common types of alternative financing used by such businesses are:

1. Full-Service Factoring – Businesses sell outstanding accounts receivable on an ongoing basis to a commercial finance (or factoring) company at a discount. The factoring company then manages the receivable until it is paid. Factoring is a well-established and accepted method of temporary alternative finance that is especially well-suited for rapidly growing companies and those with customer concentrations.

2. Accounts Receivable (A/R) Financing – A/R financing is an ideal solution for companies that are not yet bankable but have a stable financial condition and a more diverse customer base. Here, the business provides details on all accounts receivable and pledges those assets as collateral. The proceeds of those receivables are sent to a lockbox while the finance company calculates a borrowing base to determine the amount the company can borrow. When the borrower needs money, it makes an advance request and the finance company advances money using a percentage of the accounts receivable.

3. Asset-Based Lending (ABL) – This is a credit facility secured by all of a company’s assets, which may include A/R, equipment and inventory. Unlike with factoring, the business continues to manage and collect its own receivables and submits collateral reports on an ongoing basis to the finance company, which will review and periodically audit the reports.

In addition to providing working capital and enabling owners to maintain business control, alternative financing may provide other benefits as well:

It’s easy to determine the exact cost of financing and obtain an increase.
Professional collateral management can be included depending on the facility type and the lender.
Real-time, online interactive reporting is often available.
It may provide the business with access to more capital.
It’s flexible – financing ebbs and flows with the business’ needs.
It’s important to note that there are some circumstances in which equity is a viable and attractive financing solution. This is especially true in cases of business expansion and acquisition and new product launches – these are capital needs that are not generally well suited to debt financing. However, equity is not usually the appropriate financing solution to solve a working capital problem or help plug a cash-flow gap.

A Precious Commodity

Remember that business equity is a precious commodity that should only be considered under the right circumstances and at the right time. When equity financing is sought, ideally this should be done at a time when the company has good growth prospects and a significant cash need for this growth. Ideally, majority ownership (and thus, absolute control) should remain with the company founder(s).

Alternative financing solutions like factoring, A/R financing and ABL can provide the working capital boost many cash-strapped businesses that don’t qualify for bank financing need – without diluting ownership and possibly giving up business control at an inopportune time for the owner. If and when these companies become bankable later, it’s often an easy transition to a traditional bank line of credit. Your banker may be able to refer you to a commercial finance company that can offer the right type of alternative financing solution for your particular situation.

Taking the time to understand all the different financing options available to your business, and the pros and cons of each, is the best way to make sure you choose the best option for your business. The use of alternative financing can help your company grow without diluting your ownership. After all, it’s your business – shouldn’t you keep as much of it as possible?