Science Horizons

Private Placement Memorandums and Direct Public Offerings, the most common mistakes made.
When gearing up to raise capital it is typically a business owners first instinct to simply throw together a business plan and find the cheapest company to put together the private placement memorandum and then seek funding. What these professionals don’t realize is that they are doing things in reverse and often times a PPM is not a standalone solution to financial needs.

The first problem is the most companies will first write a business plan and cheap PPM and look for a capital solutions last, when strategically speaking, one should first find a full service solution who has a database of investors ready to fund properly structured corporations with well authored business plans and private placement memos. After you find a company that has a ready network of seasoned investors you will often find that this firm will also structure your business and documents so that you are able to attract the attention of these investors. Next, don’t make the mistake of hiring just anybody to write your biz plan. You need to find a professional author who is well rooted in the art of technical writing and has a solid comprehension of your industry.

Now it’s time to write the PPM. Here is a warning that will most likely go in one ear and out the other but you must never choose the cheapest service for your PPM you will regret it and this is a guarantee. Investors see these documents all day everyday and they know a template when they see it. Don’t believe for a second that you will get a viable private placement memo that will actually achieve funding for anything less than $3,000; it’s just not going to happen. There is too much work involved in putting a fund-able strategy together and you’ll never find an experienced firm to do it for cheap.

The moral of the story is to first find an investor finder solution with a solid network of investors, second have this company write your business plan and private placement memorandum to fit the needs of their investor base and lastly, talk to this consultant about helping you perform a DPO (Direct Public Offering) to their group. This is what separates the men from the boys in the venture capital consulting industry.

Legitimate consultants who stand behind their work will take your PPM directly to their investor base and help you raise capital quickly. In return for this service the company may want a modest equity position in addition to their fee but it is always worth it and typically they will take the final step and have their investors pay to take your company public. This is the ultimate for any company that is seeking a long term funding solution.

Remember the order: 1. Find an investor finder 2. Have that company write your biz plan and PPM 3. Convince the firm to perform a DPO for fast funding 4. Offer some equity to sweeten the pot so that they take you public!

Want To Go Public With Your Company, call Princeton Corporate Solutions at 267-233-0183Direct Public Offerings and Private Placement Memorandums the easy way!

James Scott Blogging Blogging, direct public offering, direct public offering dpo, direct public offerings, private placement memo, private placement memorandum, private placement memos, take company public, take company public dpo, take company public otcbb, take your company public

Regulation D, Under Sections 4(2) and 3(b) of the Securities Act of 1933, the SEC adopted Regulation D to coordinate the various limited offering exemptions and to streamline the existing requirements applicable to private offers and sales of securities. The Regulation establishes three exemptions from registration in Rules 504, 505, and 506.

Rule 504, which provides an exemption for non-reporting companies unless they are “blank check” issuers or certain “shells”, stipulates that: The sale of up to $1,000,000 of securities in a 12-month period is permitted provided that there is no general solicitation, the securities sold are restricted securities and cannot be resold except pursuant to a registration statement or exemption, and a notice must be filed with the SEC within 15 days after the first sale. Rule 504 does not provide an exemption under any state laws. In certain limited circumstances where an offering is conducted under state accredited investor exemptions, securities offered under Rule 504 may be freely transferrable. Unlike Rules 505 and 506, Rule 504 does not mandate that specified disclosure be provided to purchasers. Nonetheless, the business person should take care that sufficient information is provided to meet the full disclosure obligations which exist under the antifraud provisions of the securities laws.

Rule 505 was adopted by the SEC to provide small businesses more flexibility in raising capital than under Rule 504 – but without the uncertainty of determining the quality of the purchasers that generally is involved in using Rule 506. Rule 505 provides issuers a limited offering exemption for sales of securities totaling up to $5 million in any 12-month period.

Rule 505 contains certain restrictions regarding “accredited investors” and non-accredited persons. The-term “accredited investor” includes:

Banks, insurance companies, registered investment companies, business development companies, or small business investment companies; Certain employee benefit plans for which investment decisions are made by a bank, insurance company, or registered investment adviser; Any employee benefit plan (Within the meaning of Title I of the Employee Retirement Income Security Act) with total assets in excess of $5 million; Charitable organizations, corporations or partnerships with assets in excess of $5 million; Directors, executive officers, and general partners of the issuer; Any entity in which all the equity owners are accredited investors; Natural persons with a net worth of at least $1 million; Any natural person with an income in excess of $200,000 in each of the two most recent years or joint income with a spouse in excess of $300,000 for those years and a reasonable expectation of the same income level in the current year; and Trusts with assets of at least $5 million, not formed to acquire the securities offered, and whose purchases are directed by a sophisticated person.

If the issuer sells any securities to non-accredited investors, it must furnish to all investors the same type of information as required by Regulation A. It must also furnish audited financial statements.

If an issuer other than a limited partnership cannot obtain audited financial statements without unreasonable effort or expense, only the issuer’s balance sheet (to be dated within 120 days of the start of the offering) must be audited.

Limited partnerships unable to obtain required financial statements without unreasonable effort or expense may furnish financial statements prepared on the basis of federal income tax requirements and examined and reported on by an independent public or certified accountant in accordance with generally accepted auditing standards; and The issuer must also be available to answer questions by prospective purchasers about the issuer or the offering.

Further restrictions under Rule 505 include:

The total offering price of each issue of securities may not exceed $5 million. The offering may not be made by means of general solicitation or general advertising. The issuer may sell the securities to an unlimited number of “accredited investors” and to 35 non-accredited persons. There are no requirements of “sophistication” or “wealth” for persons to whom the securities are sold. A company must take any necessary steps to ensure that the purchasers are acquiring securities for investment only, not for resale. The securities are thus “restricted” and investors must be informed that they may not be able to sell except pursuant to a registration statement or exemption from registration. The issuer is not required to file any offering materials with the Commission. Fifteen days after the first sale in the offering, the issuer must file a notice of sales on Form D. The notice also contains an undertaking under this Rule for the issuer to furnish the Commission, upon its staff s request, any information given to non-accredited purchasers in connection with the offering. Rule 505 does not provide an exemption from state securities laws.

SEC Rule 506 offers and sales of securities by an issuer that satisfy the conditions stated below are deemed transactions not involving any public offering within the meaning of Section 4(2) of the Securities Act. For an offering to be considered exempt from the registration requirements, Rule 506 stipulates: There is no ceiling on the amount of money which may be raised. No general solicitation or general advertising is permitted. The issuer may sell its securities to an unlimited number of accredited investors and 35 non accredited purchasers. Unlike Rule 505, all non-accredited purchasers (either alone or with a purchaser representative) must be sophisticated – that is, have sufficient knowledge and experience in financial and business matters to render them capable of evaluating the merits and risks of the prospective investment. The term “accredited investor” is defined under Rule 505.

If the issuer sells any securities to non-accredited investors, it must furnish to all investors the same type of information as required by Regulation A. It must also furnish the same financial information as would be required by registration on Form S-1.

If the issuer cannot obtain audited financial statements without unreasonable effort or expense, then financial statements may be provided in accordance with the special treatment described under Rule 505.

The securities sold are “restricted” under the same stipulations in Rule 505.

A company is required to file a notice of the offering on Form D at SEC headquarters within 15 days after the first sale in the offering. All states except New York provide an exemption from state securities laws for offerings under Rule 506 but the company must file a copy of the Form D and pay a filing fee in each state. New York has a distinctive law which makes a Rule 506 offering within that state impractical.

Accredited Investor Exemption

The Small Business Investment Incentive Act of 1980 created a new statutory exemption from registration under the Securities Act for transactions involving offers and sales of securities by any issuer solely to one or more “accredited investors.” Under Section 4(6):

The total offering price of each issue of securities under the exemption may not exceed the limit on small offerings set by Section 3(b) the Securities Act, which currently is $5 million per issue. The offering may not be made by means of any form of advertising or public solicitation.

The term “accredited investor” is defined to include the same individuals and entities as included for purposes of Rules 505 and 506. The issuer is required to file a notice of sales on Form D with the Commission 15 days after the initial sale is made in reliance on the exemption.

Want To Go Public With Your Company, call Princeton Corporate Solutions at 267-233-0183Take Your Company Public the easy way!

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James Scott Blogging Blogging, direct public offering, direct public offerings, dpo direct public offering, global direct public offering, how to take a company public, how to take company public, how to take your company public, james scott, Princeton corporate solutions, shareholder company

Chances are that you have at least heard of medical records transcription and how it can be done at home. While the idea that this career can be done from home is very intriguing, it helps so much more to know what it is and how you can become a part of it. People from all walks of life are looking for something to do to earn money. Some people want a full-time career, while others just want a part-time job. Medical transcriptionist work is possible for anyone who is willing to take the time to learn and apply themselves toward building a better future.

So first of all, what is medical records transcription? Essentially, it is a career that involves typing outpatient medical records. If you have ever been to a doctor’s office, I’m sure you’ve noticed that when the doctor comes in to see you that he has with him a folder full of papers. When he is talking to you, he usually glances through the pages within the folder. This folder contains your medical records, which are necessary to obtain for reference on the physician’s part.

The doctor will most likely speak into a small audio recorder during or after your visit about what was said about exactly why you are there including your complaints, a list of medications you are taking, and previous treatments for your current problem. All of the information your doctor records into his tape recorder about you and your situation must be typed by a transcriptionist.

This is a wise choice for a career because there are so many options. If you choose, you do not have to work at home because there are also positions available in doctors’ offices and hospitals for medical transcriptionists. However, if you are like most people, you enjoy your freedom and the comfort of working at home.

People from all over have become interested in working at home. Some have succeeded, while others have not done so well. Medical records transcription gives you the ability to succeed because it is a career that is very popular. Hospitals, clinics, and doctors’ office from all corners of the world need people who are trained in medical records transcription.

I am not going to lie to you and say that there aren’t other great work-from-home jobs available. There are, but none are quite like medical transcriptionist jobs. There are paying surveys, blogs, affiliate marketing programs, home business packages, and telemarketing jobs just to name a few. Do any of them require skill? Most do not. Is it worth it? The answer is that in the end, small-time jobs like those listed are not worth it and will most likely not get you very far, at least not as far as medical records transcription.

The reason for this is that the pay is unbelievable. Did you know that some people make up to $100,000.00 per year just by transcribing medical reports? Believe it or not, it’s the truth. The median salary for this career is around $48,000.00 a year, which is a lot per week. I don’t know about you, but I think that is pretty good for a job that allows you to create your own schedule, stay home with your family, and work until you have made what you want to earn.

So, on top of all of the positives that medical transcription already has, it also allows for endless prosperity. There are no limits, except for the ones you set for yourself. If you want a real career with real meaning, medical records transcription is for you.

Author Susan B. Eliot is an excellent resource in this field and is an expert when it comes to medical transcriptionist jobs. She owns and operates her own transcription business and knows first hand all the details about medical transcriptriptionist work.

Susan Eliot Blogging Blogging

If you run a small company, you may find that the world of blogging for business owners is a world that you want to be a part of. You yourself must have been a witness of how significant information and marketing is in “making” a company. Blogging is a great way to get the word out to consumers about your product or service.

Another advantage of this blog, is its capacity to inspire your employees to be loyal. Since you are promoting the products and services that they have exerted effort for, it boosts their morale and pride towards their job. Blogging has the power to take your business to the next level.

Similar to other forms of blogging, utilizing blogs for business, also has its unique advantages and disadvantages. The foundation of a successful business blog is creating a clear blueprint, where each and every step in your plan are clearly stated. In blogging, its easy to lose your way, mostly if you are just getting started with this technology. Thus, you must be focused.

Write up a plan for how often you will update your posts. Is it going to be a weekly, bi-weekly or a monthly post? Also, list down what will you be writing for the next few weeks. In this manner, you can do more research to retain the loyalty and attention of your readers.

Another important aspect you have to focus would be the design of your blog. Make sure that the font style and size you’ve chosen is readable. Also, the color combination of your text and background should be reader-friendly. You have to ensure that your readers can actually read what you are saying.

Lastly, you must also take note of how you will promote your blog and gain unique visitors. Go and canvass for a paid ad if you want one. There is a free and effective method that seasoned bloggers know, that is getting help from your fellow bloggers to spread the word.

To transform your blog as a money-making machine apply these blogging tips from Blogger’s Paycheck. Visit Damon Nelson’s site to watch video reviews regarding other business programs, visit FastVideoReviews.com

Damon Nelson Blogging blog, blog tips, Blogger's Paycheck, Blogging, blogging tips, successful blogging

The Japanese automaker Honda has just cooked up a new pet friendly Element for the U.S. market. The compact crossover is well known as a go anywhere do anything kind of vehicle, the car’s resilient interior allows you to play all day at the beach, store all your surf gear inside and simply hose out all the sand when you get home. Knowing how much consumers are already spending on their animals, Honda figured that the 2010 Honda Element Dog Friendly was the next logical step to winning over, over accommodating dog owners.

Starting at only $20,525, this new Element is full of features for man’s best friend. The entire cargo area behind the rear seats has been transformed into a pooch’s traveling palace. First of all Fido will be able to effortlessly enter and exit his new perch atop the back bumper via a very sturdy looking ramp that if wide enough could handle a wheelchair. Once inside the pup will ride on a plush foam cushion covered with a neat Dog Friendly Element print. In order to keep Rex cool Honda’s Dog Friendly engineers have built in a ventilation fan and to make sure that he won’t go thirsty they have come up with a trick dog bowl that ensures minimal spillage even around the hairiest of hairpins, guaranteed to keep that extra member of your family comfortable even on the longest of car rides.

The Dog Friendly Element is powered by Honda’s reliable 2.4 Liter i-VTEC four cylinder engine and shifted with a five speed automatic transmission that can send power to either the front wheels or with Honda’s Real Time 4WD power all four. The only thing left for Honda to install is a video monitor so that the passengers can check on the family pet while he is riding in his kennel on wheels. If you have any doubts about how safe this setup is you can rest assured that Honda has chosen the Takata Corporation to design the whole thing. Now you might be asking why is that name so familiar, if you have ever seen a racecar driver strapped in with a really cool looking green racing harness, those are Takatas.

The Honda Element lineup expands for the 2010 model year with an all-new “Dog Friendly” pet accommodation system designed to improve safety, comfort and convenience for dogs and their owners alike, American Honda Motor Co., Inc., announced today. The 2010 Honda Element arrives at dealerships nationwide by mid-October. The Dog Friendly Element is set to become available on November 16.

“The Honda Element has long been recognized as an accommodating vehicle for people with active lifestyles involving sports and hobbies,” said Vicki Poponi, assistant vice president of Product Planning for American Honda. “The new Dog Friendly Element takes that concept to a whole new level with specially designed features for dogs and their owners.”

Engineered to integrate with factory precision into the Element EX, the Dog Friendly equipment is intended to accommodate the secure transportation of a dog in the cargo area within a nylon-webbed car kennel. In daily operation the car kennel helps prevent a dog from interfering with the driver in traffic by keeping the pet properly restrained and out of reach of the driver. In the event of a frontal collision, the kennel is intended to help restrain the dog behind the rear seats, reducing the chance for the pet to be injured – or to injure human occupants during a crash.

The Dog Friendly equipment enhances pet comfort by providing a soft floor surface for the dog’s legs and paws along with a dedicated fan and a s–resistant water source. Convenience is improved for owners with an integrated ramp, easy to clean surfaces and a full suite of matching Dog Friendly accoutrements.

Check Cristian Truers’s new auto cars buying guide for more information, or see his good auto cars tips.

Cristian Truers Blogging Advice, Auto, Blogging, blogs, cars, Education, free, help, Hobbies, Insurance, racing, Sports, tools, vehicles

Everywhere you look online now you can see a blog about just about anything. Some are personal accounts of life, some are for business and others are just plain random “junk”. The reason everyone wants a blog these days is because of how easy it is making money blogging. Below are a few simple things you can do to earn money too.

Obviously, the first thing you have to do is get a blog if you wsh to make money blogging. For the novice going with a free blogging platform is the best option to start with. Once you are more experienced with what you’re doing you can later movie your blog over to it’s own domain and hosting account.

Be advised though that these types of blogs are not actually your property and some people have reported their hard work getting deleted without notice. If you’re completely new to blogging, however, this is probably the route you want to go until you get the hang of things. You can always transfer all your content to its own domain later on down the road.

Now that you know where you’re going to create your blog you need to pick a profitable blogging topic. What will your blog be about? Picking a hobby you enjoy or a focus you’re interested in are the best choices. Never blog about something you are not interested in. It will make writing content a bore and you will lose interest in updating frequently.

Once everything is set up you need to let time pass. After about five to seven months your blog should be well established online as long as you are keeping fresh information on it. Try for at least 3 new posts each week if not more.

Andrew Mercedes Blogging Blogging, earning an income, making money blogging, making money online, money, money making, Online

There is a massive economic downturn causing a slump in almost every sector of our world. These are scary times for most people with jobs wondering if theirs will still be available tomorrow. Many are finding themselves unemployed, searching for a light at the end of the tunnel.

Many people turn to looking on the Internet searching for terms like “Business Opportunity Online” and see what they can find. These people are looking for ways to rise from the ashes of this crappy economy. Choosing the right business opportunity online will empower people to take responsibility from the economy and will also assist in providing jobs for others.

HR Jobs

There are several business opportunities online to choose from. You can work as an online consultant for several HR organizations that require part time or home based consultants to find individuals who are looking for specific job positions. This opportunity will help you learn the tricks of the trade. You will learn how to organize and have a client list and will also know the nuances of sourcing individuals. Making use of job portals and your own network to source for job seekers as well as vacant job positions can be learnt in the process. Very soon you will find yourself floating your own online HR resource company.

Selling Online

A great business opportunity online might be something that you can sell from Ebay or a web site like that. Just think of your hobbies or interests. Do you like the guitar? Maybe you can sell lessons online to students looking to hone their skills. A business opportunity online like this would not require an enormous amount of capital to get started and could be a lot of fun for you.

Blogging

Blogging is another excellent business opportunity online that is waiting to be tapped. Although blogging has become very popular, there is still room for more and is considered to be the top business opportunity online. This involves creative writing and if you’re good at it, then you can definitely do well in this business. You will have to know about blogging so that you are aware of how to tap this excellent business opportunity.

Affiliate Programs

This, previously has been a very successful business opportunity online for many years. Most programs are free so there is little upfront investment for you. You get a replicated web site or a tag that tracks if anyone buys anything from your site, you get a commission. A good example of this would be having an Amazon link on your site and directly people to buy a book from there.

These are all business opportunity online examples.

Samuel Levitz Blogging affiliate marketing, Blogging, business opportunity online, Home Business, home jobs, mlm, Network Marketing, Online, programs

Are you one of the many people who feel that what you are paying for car insurance is probably too high; but you just have to pay, since car insurance is a statutory requirement in most legal jurisdictions before you can put a car on road? Have you always wondered why it is that you are charged so much on car insurance, whereas nearly everyone that you talk to seems to be charged what turn out to be considerably lower car insurance premiums? We attempt to answer that question for you here.

If you answer ‘yes’ to any of those questions, then you are not alone. As it turns out, the question as to what constitutes ‘fair car insurance premiums’ is a highly contentious one, with many other people (perhaps even those whom you consider lucky in terms of what they pay for car insurance) still feeling that they are paying too much for the product. The formulas that car insurance providers use in working out prices for their products depend on a number of factors, chief among which is the ‘risk profile’ of the policyholders, since insurance is all about risk and risk management. Higher risk profile individuals are therefore charged more for insurance than lower risk profile individuals, all the other factors held constant.

In working out your risk profile – the primary factor that goes into determining the rate at which they offer you their products at – car insurance providers look at a number of factors.

Your road-usage record, and conduct with regard to the ‘highway code’ is one of the factors that car insurance providers look at in working out what to charge you. If you have a record of being ticketed almost every month for one or another road-usage offence, it should not come as a surprise when you find your car insurance bill getting higher every passing year, while people with better ‘road usage’ records get charged lower car insurance premiums.

If you drive a car whose model has been associated with a higher frequency of road accidents or more gruesome road accidents, chances are that you will have to pay higher car insurance premiums than a person driving a ’safer’ car – all the other factors held constant. If you drive a ‘high’ risk car, though, but take measures to make it safer – by way of installing air bags, anti-lock brakes and so on, you could find insurers more willing to offer you car insurance at better rates.

Your age too could be a factor against you in the pricing of your car insurance premiums, and about this, there is little you can do. As it turn out, it has been observed that younger people (below 50 years of age) are more predisposed to careless driving than older folks, and this fact tends to manifest in what the respective demographic groups are charged for car insurance premium. So if you go shopping for car insurance with your 50+ friends, and they end up being charged lower premiums (all factors held constant) you shouldn’t be really surprised.

Obapo Gana Blogging Blogging, car accessories, car insurance, Car Insurance Rate, car safety, driving conditions, good car, safe driving condition

Everywhere you look online now you can see a blog about just about anything. Some are personal accounts of life, some are for business and others are just plain random “junk”. The reason everyone wants a blog these days is because of how easy it is making money blogging. Below are a few simple things you can do to earn money too.

Obviously, the first thing you have to do is get a blog if you wsh to make money blogging. For the novice going with a free blogging platform is the best option to start with. Once you are more experienced with what you’re doing you can later movie your blog over to it’s own domain and hosting account.

Take caution, however, with free blogging accounts. These blogs are not technically your own and the website can delete them at will. It has been known to happen in the past.

Once you’re all set up you need to decide what the topic of your blog is going to be, especially if you are planning on making money online with it. Pick a passion or some other subject you have interest in. You don’t want to be bored to death blogging about something you have no interest in.

Okay, you have your blog and your topic. Now it’s time to start establishing yourself in the blogging world. IT generally takes about 6 months to achieve this. You should aim to post new posts to your blog at least three times per week, more if possible. People want fresh articles to read at all times.

Andrew Mercedes Blogging Blogging, earning an income, making money blogging, making money online, money, money making, Online

Lots of people make money blogging. Why not you?

When thinking of blogging, ask yourself the question, why not give out your advice to others? Setup a blog and make money by blogging.Teach others how to blog and run affiliate marketing on your blog. You don’t need to write well to write a blog. Setup a blog and make money. Teach others how to blog and run affiliate marketing on your blog. That is something which turns them into some what unique.

But how do you get started? It seems there are so many different blogs out there with so many different ideas, styles and layouts etc… it makes your head hurt just thinking about it. Well, You can laugh all the way to the bank with secret blogging blueprints you can find. I found the perfect template to start my life as a blogger.

You can easily learn everything you need. What kind of design to go for, how to create a blog, popular topics to post about, how to optimize it to get traffic and also how to make some cash from it. These are some of the ideas you will need to learn.

Your blog can be up quickly, and it will be surprisingly easy to manage, Ordinary people can make extraordinary blogs with the help of templates to make their blog look like it was designed by a graphic artist. Though making a profit from it takes more time, it pays off in the end. It’s a wonderful feeling to know that you’re making money and also writing things that people want to read. So, what are you waiting for – begin your blog and make your opinions and ideas heard. Successful income production from blogging relies on your want, persistence, and discipline. Committed to their work, accomplished bloggers work diligently. To become successful, you need to find some niche that people want to read about but cannot because few blogs write about it. You will increase your chances of profit fast if you have a niche blog with little competition.

Getting your money making blog set up in a marketable way will also be important. There’s more than one way to get your site up and running, and you will need to look at the advantages of all these methods. Of course, learning to market your blog and yourself will be the most important part to your profitability. You must be able to get the word out and to draw customers to your site in order to make a profit. Although this may sound daunting, given the proper tools you can very easily become a successful blogger.

Bill Schneider Blogging affiliate marketing, blog, Blogging, blogging for profits, earn money blogging, how to blog, make money, make money blogging, make money online