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JUL
21
0

Headlines about peer-to-peer lending seem to be changing, specifically zeroing in on crowdfunding, the practice of funding a project or venture by raising small amounts of money from a large number of people. Accomplished, for the most part, online, experts have nodded toward the practice as a potential bubble industry that could burst. New crowdfunding platforms offer no base capital and no guarantees, leaving smaller investors at risk, says David Postings, Chief Executive of Britain's Bibby Financial services. Britain reports an all-time high through the Peer-to-Peer Finance Association at a total of £3.15 billion, a rough equivalent of $4.9 billion U.S. dollars. Britain, as well as other global economies, were affected by the 2008 financial crash, and Postings looks at similarities in the current peer-to-peer landscape that he says are reminiscent of 2006/7. Too high a supply of new funds indicates a "potential overheating in small business world," notes Postings. "I don't sense it just yet, but there is a possibility of that."
JUL
09
0

School teaches you how to learn, but the 'school of hard knocks' will test all you learn. For all of the programs on entrepreneurship at respected colleges and universities, including this 2015 list of top 25 colleges for entrepreneurship, experts agree that truly learning the ropes of small business start-up requires real life experience beyond the balance sheet. Academics will give you tools, a process, and will teach you how to learn, but applying those concepts takes more than a course syllabus. These practical tips to work into your start-up idea may help keep your planning focused, and your balance sheets in the black.
JUL
07
0

Throwback Thursday is a trending online activity aimed at remembering the "good old days." Old family photos, school pictures, memories of all sorts come surging forward each Thursday on social media. Instead of looking ahead at the next big thing, Pymnts.com threw back a look at the beginnings of online marketplaces. They brought to mind easier times, before cyber attacks, data breaches, app glitches and security compromises. Before smart phones and apps. Before e-commerce was an kingdom of it own. Screen captures of three of the biggest online marketplaces make us all stop and say, "oh yeah. I remember that...however vaguely."
JUN
29
0

The financial snapshot of a small business usually reveals no deep pockets, no angel investor hovering in the corner, waiting to help out. Running a small business is the simple tug-of-war between passion to be the one in charge; to create a product or expertly deliver a service; to offer knowledge or skill to the benefit of paying clients without micromanagement of a boss. To do things on your terms. The passion must outweigh the obstacles for the venture to succeed. What obstacles do most small business operators face?
JUN
29
0

If you jump online without a specific goal, you can get lost in content. An e-mail link takes you to a website where you find an interesting headline (and another, and another) and suddenly you're on Facebook recommending another interesting headline. You linger on Facebook to read a few engaging posts (and a lot of useless posts), eventually getting led to YouTube, where the rest of the hour is lost watching videos. Ever happened to you? What's worse, is as a small business, your content is in there, struggling to surface, hoping to get clicks, along with the rest of the world's content. Today people and businesses are publishing more, using ever-more-abundant platforms. It's a lot of noise buzzing in people's smartphones, on tablets and PCs. The trick is to emerge as a tune for people to follow, rather than bang around and simply add noise.


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