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Tuesday, 28 January 2014

How to Finance a New Small Business

Find a business partner.
It can make things a lot more affordable if you are sharing the financial load with someone. Be sure to pick someone that you can stand being around for long periods of time because you will be working closely with them.

Business loan.
Visit your local bank and try to get a business loan. You will need good credit to do this. Some of the time you will not receive all the money you will need to start up a business, so you may want to have some already saved.

Join ISIM for more business ideas , Visit :

Depending on the franchise, some will let you make payments on it. This is good to get into if you are just starting out and you can use some of your profits to make payments.

Use credit cards.
If you know your business will take off and have other sources of paying off your credit cards, then this could be an opportunity for you. Some businesses take a little time to get started but once yours does, you can start making larger payments on your credit cards.

Surbhi Maheshwari [MBA Fin / Mktg ]
Manager Finance Line Assistence :
Gtalk : SurbhiM.AeroSoft@gmail.comFb

Thursday, 23 January 2014

Enterpreneurship - Challenging but Never Boring !!!

‘Entrepreneur’ is a pretty broad, and often abused, word. How do you define it and what do you need to do to call yourself one? I don’t have the answer, but I do know that there are a lot of different types of entrepreneurs. Here are a few typical entrepreneurs you might meet. Which one are you?

The Manager Entrepreneur
This is the type of person who becomes involved with startups once they have received a fair bit of funding and are just beyond the first high-risk stage. These people often call themselves entrepreneurs because they are close to entrepreneurs and have worked at startups. I think it is safe to say these entrepreneurs are more like managers then entrepreneurs and they might be very good at it too.

The Setup For Failure Entrepreneur
This is the kind of entrepreneur that has failure written all over everything he does. All he does is complain, and when he takes on a project it is too ambitious and destined to fail even before he starts. he never gives up, of course, but you wish he would.

The Lifestyle Entrepreneur
Some people just want to live the life and act the part. They promote entrepreneurship, have lots of ideas about entrepreneurship but they don’t actually do anything. Well, maybe consult a bit on the side.

The Cash-flow Entrepreneur
This entrepreneur doesn’t think about anything except money. In general that can be a good thing for an entrepreneur but some people overdo it. Entrepreneurship is about the bottom-line but also about innovation, inspiring your team, thinking ahead and building something out of nothing. Spending your days with a calculator counting your money might feel productive, but is it entrepreneurial?

The Wannabe Entrepreneur
Every now and then I meet people who work at a company, have been working at companies their whole life, and will probably always work at a company. Within minutes they tell me they are entrepreneurs too. Deep inside, waiting to burst out, is their entrepreneurial spirit. All they need is a great idea, enough money to stay alive for, oh, one or two years, and the assurance that money will soon start to flow. Unfortunately that isn’t exactly how being an entrepreneur works and precisely the reason these people still work at a big company. Becoming an entrepreneur is as much a profession as any other and generally with a lot more risk. The wannabe entrepreneur will most likely never progress beyond the wannabe stage. And that might be the best for everybody.

The Headlines Entrepreneur
Some entrepreneurs are in it strictly for the fame. They rush from one headline to another and are more focused on making it to the front page of the newspaper than actually doing business. Your company is doing well when you get lots of customers, make a lot of money and your investors are happy. Headlines are great to show off to your mother.

The Better World Entrepreneur
This entrepreneur isn’t into entrepreneurship for the money but to make the world a better place. This is an awesome goal of course but often quite contrary to being a good entrepreneur. Don’t get me wrong: being a successful entrepreneur doesn’t mean you have to screw the world. But your first focus should be in making your company more successful and then using your success to make the world a better place. Not the other way around.

Did you recognize yourself in one of these stereotypes? Not 100% right? Me neither. But I guess we aren’t perfect and maybe we all have a little bit of the Headlines Entrepreneur inside of us. And sometimes it is good to take some distance to prevent you from becoming the Cash-flow entrepreneur but without becoming the Lifestyle Entrepreneur.

Again, being an entrepreneur is not a clearly defined thing. We balance our lives and try to stay away from the extremes. Some days we are managers and other days we are motivators or there to inspire.
Being an entrepreneur means being different kinds of things at different moments. That makes it a challenging but never boring profession.

Surbhi Maheshwari [MBA Fin / Mktg ]
Manager Finance Line Assistence :
Gtalk : SurbhiM.AeroSoft@gmail.comFb

Wednesday, 15 January 2014

The Benefits of Positive Thinking

We all get bogged down at times in negative

thinking, wasting time and energy in worry and fear.Why not make the most of your life no matter what your circumstances? You can do that by replacing the pessimistic thinking that’s holding you back with motivating thoughts that can help you live the life you deserve.

Building your own positive thinking can seem difficult at first but as you start listening and reading to stories of people whose positive attitude have taken them far ahead in life you would like to believe in the power of positive thinking. Here are some true stories on the power of positive thinking that have results as good as magic. 

1st Story
Temmy applied for a new job. However, he was sure that he was not going to get the job, since his self-esteem was low, and he considered himself as a failure and unworthy of success.
He had a negative attitude towards himself, and therefore, believed that the other applicants were better and more qualified than him. Allan manifested this attitude, due to his negative past experiences with job interviews.
Temmy's mind was full with negative thoughts and fears concerning the job, for the whole week preceding the job interview. He was sure he would be rejected.
On the day of the interview he got up late, and to his horror he discovered that the shirt he had planned to wear was dirty, and the other one needed ironing. As it was already too late, he went out wearing a shirt full of wrinkles.
During the interview he was tense, displayed a negative attitude, worried about his shirt, and felt hungry because he did not have enough time to eat breakfast. All this distracted his mind and made it difficult for him to focus on the interview. His overall behavior made a bad impression, and consequently he materialized his fear and did not get the job.

John applied for the same job too, but approached the matter in a different way. He was sure that he was going to get the job. During the week preceding the interview he often visualized himself making a good impression and getting the job.
In the evening before the interview he prepared the clothes he was going to wear, and went to sleep a little earlier. On day of the interview he woke up earlier than usual, and had ample time to eat breakfast, and then to arrive to the interview before the scheduled time.
He got the job because he made a good impression. He had also of course, the proper qualifications for the job, but so had Temmy.
What do we learn from these two stories? Was there any magic used? No, everything happened in natural way.
With a positive attitude we experience pleasant feelings, and we visualize the results we want to achieve. This brings brightness to the eyes, more energy and happiness. The whole being broadcasts good will, happiness and success. Even our health is affected in a beneficial way. We walk tall, our voice is more powerful, and our body language shows the way we feel.

2nd Story
There were twin brothers one brother used to hit his wife and children, he used to drink and had a criminal record but the second brother had a very happy family he never abused anyone was very happy with his family and had a great job.
Once the lawyer sat with both and asked the first brother that why does he take drugs and abuse family?, He said what else he is supposed to do? His father did the same to us, he used to hit us and our mother and abuse us, thats why I am doing the same, then the lawyer asked the second brother that what makes you so happy being with family,he said my father used to hit us and abuse us, so I decided I should not do this ever to my family that why I never hit anyone nor abuse.
The moral of the story is- Both had the same driving energy their FATHER but one took it in a negative way and other in a positive way.
So....“Get going. Move forward. Aim High. Plan a takeoff. Don't just sit on the runway and hope someone will come along and push the airplane. It simply won't happen. Change your attitude and gain some altitude.
Believe me, you'll love it up here.”

Surbhi Maheshwari [MBA Fin / Mktg ]
Manager Finance Line Assistence :
Gtalk : SurbhiM.AeroSoft@gmail.comFb

Tuesday, 7 January 2014

Top 5 Business Plan Mistakes

The Top 10 Business Plan Mistakes

"As an Enterpreneurs , you will always have a lot of People to say that it will never work . But Never Mislead Yourself from Your Vision "

It’s been nearly seven years since I posted Top 10 Business Plan Mistakes on this site. Looking back and reading the post again today, I think the list holds up very well. Still, I can’t resist making a few changes. So here is my revised version for 2012, incorporating what I wrote back then that still holds true.

1. Misunderstanding the purpose: It’s the planning that matters, not just the document. You engage in planning your business because planning becomes management. Planning is a process of setting goals and establishing specific measures of progress, then tracking your progress and following up with course corrections. The plan itself is just the first step; it is reviewed and revised often. Don’t even print it unless you absolutely have to. Leave it on a digital network instead.

2. Doing it in one big push; do it in pieces and steps. The plan is a set of connected modules, like blocks. Start anywhere and get going. Do the part that interests you most, or the part that provides the most immediate benefit. That might be strategy, concepts, target markets, business offerings, projections, mantra, vision, whatever. . . just get going.

3. Finishing your plan. If your plan is done, then your business is done. That most recent version is just a snapshot of what the plan was then. It should always be alive and changing to reflect changing assumptions.

4. Hiding your plan from your team. It’s a management tool. Use common sense about what you share with everybody on your team, keeping some information, such as individual salaries, confidential. But do share the goals and measurements, using the planning to build team spirit and peer collaboration. That doesn’t mean sharing the plan with outsiders, except when you have to, such as when you’re seeking capital.

5. Confusing cash with profits. There's a huge difference between the two. Waiting for customers to pay can cripple your financial situation without affecting your profits. Loading your inventory absorbs money without changing profits. Profits are an accounting concept; cash is money in the bank. You don't pay your bills with profits.

6. Diluting your priorities. A plan that stresses three or four priorities is a plan with focus and power. People can understand three or four main points. A plan that lists 20 priorities doesn't really have any.

7. Overvaluing the business idea. What gives an idea value isn’t the idea itself but the business that's built on it. It takes employees showing up every morning, phone calls being answered, products being built, ordered and shipped, services being rendered, and customers paying their bills to make an idea a business. Either write a business plan that shows you building a business around that great idea, or forget it. An idea alone does not a great business make.

8. Fudging the details in the first 12 months. By details, I mean your financials, milestones, responsibilities and deadlines. Cash flow is most important, but you also need lots of details when it comes to assigning tasks to people, setting dates, and specifying what's supposed to happen and who's supposed to make it happen. These details really matter. A business plan is wasted without them.

9. Sweating the details for the later years. This is about planning, not accounting. As important as monthly details are in the beginning, they become a waste of time later on. How can you project monthly cash flow three years from now when your sales forecast is so uncertain? Sure, you can plan in five, 10 or even 20-year horizons in the major conceptual text, but you can't plan in monthly detail past the first year. Nobody expects it, and nobody believes it.

10. Making absurd forecasts. Nobody believes absurdly high “hockey stick” sales projections. And forecasting unusually high profitability usually means you don’t have a realistic understanding of expenses.


Surbhi Maheshwari [MBA Fin / Mktg ] 
Manager Finance
On Line Assistence :

Top Business Plans,
Top 10 Business Plan Software,
10 Page Business Plan,
Top 10 Mistakes Entrepreneurs Make,
Common Mistakes in Business Writing,

Monday, 6 January 2014

Non Performance Must Be Crime in Global Recession

In Global Recession Many Non Performers do not understand meaning of Productivity Speed and Relevancy in work. 

All SMEs must  take a severe action on an Employee Who is not able to Give Services Worth He / She gets as CTC from SMEs . 
If A Doctor who is doing an Illegal Medical Practice and also he is charging more Fees from patients , he should be punished. Some one has to quickly act, If An Engineer who is doing an Practice and also he is charging more Fees from Clients , he / she should be punished. Some one has to quickly act on it.

An accountability must be put up on all Team Members of all SMEs  So that the Innocent SME People are saved 

A Handbook For Future Managers And Engineers By Shekhar Gupta and Surbhi Maheshwari. How to Take Off Your Professional Career from an Average to Exceptional with the Hidden PSR in You. A Book By working CEO and Manager with Day to day and live Examples How to Fight with Global Recession.

Online Consumer Complaint,
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Saturday, 4 January 2014

Incredible Ways To Keep Your Sales Soaring

10 Incredible Ways To Keep Your Sales Soaring

How to Improve My Sales
How to Improve Sales
How to Increase Net Sales
Ways to Increase Sales
How to Expand Sales
How to Boost Sales
Ideas to Increase Sales

1. Maximize the effectiveness of your banner ads.
Don't just use the same ad on every banner, use a
variety to attract the greatest number of clickers.

2. Make your web site load much faster by cutting
down on banner ads and start using more buttons.
Button ads are also smaller and take up less space.

3. Offer free advertising space to well known and
respected companies on your web site. Sometimes
people link their business credibility to yours.

4. People have been taught all their life to respect
people in authority. Tell your visitors that you are
the president or CEO of your business.

5. Offer people a free telephone consultation before
they order your product. When they get to know
you personally, it could convert to more sales.

6. Test the "bill me later option" on your web site.
Most people are honest and will pay you. It is a
powerful little niche and could increase your sales.


7. Find a charity your target audience would likely
support. Tell people on your ad copy that you will
give a percentage of the profits to that charity.

8. Hold a "buy the most wins contest" on your web
site. Tell people each monthly winner will get their
entire purchase refunded.

9. Attract visitors to your web site by offering them
a free course. You could package the course on
a follow-up autoresponder and send lessons daily.

10. Interview people related to your industry and
get their legal permission to convert it to an article.
Promote your web site by submitting it to ezines.


Surbhi Maheshwari [MBA Fin / Mktg ] 
Manager Finance
On Line Assistence :