Online Punch

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The letter of intent is an essential step in facilitating the sale of a business. The purpose is to establish the economic framework for buyer and business seller to move to the due diligence phase. It basically says that with all the available information I have thus far seen and if that all stands the scrutiny of due diligence, I am willing to buy your business for X dollars under Y payment terms. It is however, non- binding pending the execution of mutually acceptable purchase agreements.

If I am a seller, I am going to insist that I have this letter establishing the economics of the deal before I agree to allow my company to be turned inside out with buyer staff and advisors. If, as the seller, I want $5 million and the LOI specifies $4.5 million, I am going to attempt to negotiate up before I counter sign this letter. If I am still short on price and terms, I continue to sell the company to other interested buyers.

If I am the buyer, I want the seller to commit to my economic parameters before I spend thousands going through due diligence. The other important element of the LOI from the buyer’s perspective is exclusivity. The buyer will lock up this company for a period of from 30 days to 90 days to complete their due diligence and execute mutually agreeable definitive purchase agreements. That means that in return for the time, effort and expense of due diligence, the seller and his business broker or merger and acquisition advisor are not allowed to actively market the business to other interested parties.

If you are the seller and you get your LOI, don’t celebrate yet. Make sure the financials that the buyer is analyzing to come up with his offer are professionally done using GAAP. Normally a measuring point is established in the LOI with those financials for net working capital. There will be an adjustment made to the transaction value (post closing adjustments) depending on the new net working capital balance post close.

If the buyer is looking at sales forecasts prior to submitting his LOI, make sure they are conservative and accurate. If you have some major sales losses or the pipeline moves to the right (they always do) some buyers may attempt to call that a material adverse change and look for an adjustment in purchase price.

Finally, the LOI is normally a three to seven page document without a lot of legal boilerplate. The purchase agreements that follow will take care of that. So expect 30 pages or more. Focus your efforts on the economic parameters and conserve your legal budget. You will need your attorney most for his help with the purchase agreements.

Dave Kauppi is president of Mid Market Capital, Inc. MMC is a business broker firm focused on middle market corporate clients. We provide complete M&A services. Dave a licensed business broker and a member of IBBA and the MBBI. Contact (630) 325-0123 davekauppi@midmarkcap.com or http://www.midmarkcap.com

According to The Wall Street Journal, Brian Murray, a partner of New York’s Murray, Frank & Sailer LLP, said: “If you want to enter new markets, you have to go outside the United States”. People other than lawyers can enlarge their practice by turning their attention to Europe.

Laws and rules tend to be unified inside the European Community. It is still not true for everything in every domain, but true and already active enough to allow you to consider Europe as a field to plow. You may also consider that a unique currency makes exchanges easier. Nobody can tell the future, that is to say: nobody knows what Europe and euro will be tomorrow; but anybody can tell the present: there are nearly 500 millions of Europeans who, in comparison with Americans, have no debt.

To reach so huge a market, there is a price to pay: to learn a foreign language. Great Britain? Even the smallest industries are already there.
Which language to choose? Of course, I have a little weakness for French, but there are other languages to consider. I will not advise you to learn Spanish because, as I always tell my students, any of your neighbors is fluent in Spanish; you are just going to enlarge the circle of your competitors.

Let’s examine the languages that open the largest future prospects.

• Portuguese is spoken by 10 millions people only… in Europe! They speak Portuguese in Brazil, a country with about 180 millions inhabitants.
• There are 58 millions of Italian speaking people
• 83 millions of Europeans speak German ( and 16 millions of Dutch understand it)
• We are 60 millions French speakers in Europe, and about 130 millions in the world.

Of course, many other languages are spoken in Europe and from a cultural point of view, each and all are interesting; but if your goal is to make money, you will choose between Portuguese (if your business is already strong enough to build a commercial triangle), Italian, German and French.

Whatever your choice, do not switch back and forth. Success is also a matter of stubbornness.

Gabrielle Guichard
is a French teacher who reads novels and comments linguistic issues on French Reading.

Company restructuring, merging & acquisition should be done in concert with ERP system tuning up or building up. Sometimes you should consider switching to cheaper and more efficient ERP solution

The MicroCap space may be viewed as a jungle containing many hungry predators who may view you and your company as just another meal.
Within six degrees of separation from nearly everyone in the American business community, unfortunately, you are likely to meet someone who has been victimized in a reverse merger transaction or some other transaction that was poorly structured, ill conceived and designed to fulfill the selfish interests of a few.
Divestitures or Spin-Offs may substantially improve you cash flow:

• Sometimes companies can be burdened by assets or divisions that are not relevant to their current business focus.

• This can cause financial problems and can create a lack of clarity on the part of their shareholder base.

• What is the solution? Maybe your company should consider getting operationally and financially back into focus by spinning out a division or divesting itself of an asset?

• Usually you need specialist to assist in identifying a target for divesting or spinning off, valuing the asset, finding a buyer and/or assisting in a public or private spin-off of the asset to your shareholders.

ERP System - structuring your business processes. It is not a secret that when you are trying to sell the company - first potential buyer question would be your ERP system and structuring around it.

• Do you have Accounting/Inventory/Supply Chain management automation system?

• How expensive is its annual support?

• Is it general industrial ERP or custom made one (risks to lose IT support)

It is common scenario when your IT budget is overburdening and you can switch to ERP system which is cheaper in software licenses cost and annual support. We saw successful scenarios:

• Switch from expensive ERP: Oracle Financials, PeopleSoft, SAP to budget ERP: Microsoft Great Plains, Navision

• Switch from legacy CRM solution, such as Siebel to budget CRM: Microsoft CRM

More advanced expense reduction scenario might lead you to your Business Processes Outsourcing (BPO) - this is when you have your accounting and data processing done from countries like India.

You can always have the option to call us: 1-866-528-0577, 1-630-961-5918, help@albaspectrum.com

Andrew Karasev is consultant at Alba Spectrum Technologies, LLC, ( http://www.albaspectrum.com ) nation-wide ERP consulting company, specializing in IT cost reduction and working in tandem with Business Consulting Group Unlimited ( http://www.bcgu.com ), providing services to MicroCap companies, serving clients in California, Illinois, Florida, New York, Arizona, Texas, Georgia, Virginia, Colorado and having representation in major business metros.

Yachting as a sport, leisure pursuit or used as an organisation instrument is really pleasing. There are also excellent sailing & boating events which make it equally refreshing & can be something that the entire family can go & take pleasure in simultaneously. One of the foremost weeks of the sailing year is the Cowes Regatta Week; this power boating event takes place once a year and has been functioning since eighteen twenty-six that makes it the longest running event at this moment. With more than one-thousand sailing vessels & seven thousand applicants playing a part, being studied by 100,000 spectators each day Cowes week has attained the position as 1 of the primary yachting corporate hospitality & public occasion of the year. Click here to find the best Cowes Week events with Ondeck Sailing.

The eight thousand five-hundred competitors contain Olympic & world class trained sailors to leisure sailors. Nonetheless, if you’re not onboard yourself, viewing the sailing, benefiting from the parties and live attractions & to be involved in the unique atmosphere, makes it a one of a kind corporate sailing event.

With Ondeck Yachting School, two-thousands & eight sees the initiation of their most recent Regatta Division. Strengthen on their tremendous position within the sailing charter marketplace, this has seen Ondeck Yachting School, run some thriving regattas for companies, they have recently joined-up with Britannia Events, the leading organisers of industry sailing events within the United Kingdom.

The course of the racing event itself will differ each day as features such as the weather status, tidal torrents and relative speed of each series of yacht is taken into deciding. A typical Skandia Cowes Event has over 35 starts each day for members of cruiser series one designs & keelboats; adding up to over a 1000 sailing boats. At this moment the Solent which is a considerably busy merchant channel, is occupied with boats of all divisions & is especially vibrant in colour because of the spinnakers. As pointed out before on top of the power boating shows the week includes a great number of onshore activities which include live comedy & cocktail parties. From private or commercial residential parties & nominally private yacht organisations and boats, there are huge marquees erected in the harbours serving canap©s & drink.

So, you’re looking into the world of Home Businesses. Well, Congratulations! I truly think that the “home business arena” is the wave of the future. With the rising gas prices (congrats to Exxon for ‘record profits’ this past quarter!) , and with what’s called “outsourcing” (I like to call it “sell out sourcing”), causing thousands of people to lose jobs - I am sure that working from home will become the norm.

As you’re looking at your vast array of choices for a home business, let me tell you what to watch out for. Don’t let your enthusiasm, excitement, and passion of being your own boss, turn into an obsession. I’ve seen this happen to many, many people through the years. They go from being stressed about their finances, to being stressed from over work! If they don’t catch themselves and rethink “why” they are doing this to begin with, they will almost always fail.

My first suggestion is to remember “why” you want to work from home to begin with. Number one, you need an income. But also, you want to be available to your family. You want to go to all of little Johnny’s football games and little Debbie’s dance recitals. You’ve decided that you don’t want your kids put into daycare. You may need to take care of a loved one and can’t find a boss flexible enough to let you do this. It might be that you are physically not able to hold down a full time job. If you find that you are breaking your own rules and working through a football game or dance recital, or if you’re still taking your kids to daycare to get your work done, aren’t you defeating the purpose of staying home to begin with? That is a sign that your “new business” may be becoming an obsession.

What I have seen is that people start comparing their new business to their old job. In a regular job, you get paid weekly. Money is coming in virtually right away. In a business of your own, you may not see any profit for a while. Some times, you only get a monthly commission check. People then start to get anxious and work longer hours to try to get more money. It seems logical to them at the time. Then they become a workaholic and are missing all the games, dances, recitals, family time. They quit going to family functions because they need the peace and quiet to work while the rest of the family goes off for the day. Then they start taking their kids to daycare to get a few more hours of work in during the day. Or worse yet, they put their little darling in front of the DVD player and let them watch t.v. all day long, so “Mommy or Daddy can get some work done.” Now, the family is starting to resent the business. They hate it that you’re on the phone all day, or the computer all night. They hate that you lock yourself in your room all the time. Finances are going from bad to worse because you’re “investing” in leads or advertising. It becomes a catch 22. If you slow down, so will the money, if you work harder, you’ll lose your family.

My suggestion is very simple. Don’t start up a home business when you’re desperate for money. If you need money right away, get a job. Even if it’s part-time and you work your own business part time. At least you have some money coming in. Also, the next thing, and this is VERY important. Make a SCHEDULE. Have “work hours” and stick to them! Adjust the hours to coincide with your family’s schedule. If your kids don’t get up til 9:00am work from 7am-9am. If the kids take a nap during the day, schedule that time for work. If they go to school, make those your work hours. Does your family have favorite t.v. shows they watch at night? Schedule in a couple of hours at that time. Be flexible and keep your family the top priority. If you do that, you will be geared towards long term success. The absolute worst thing you can do, and it will kill your business before it ever gets off the ground, is to have your family resent you and feel like they come second to your “new home business”. Sit your family down and discuss with them what you are going to be doing, what it involves, and what THEY can do to help YOU. Your family wants you to succeed, but not at the cost of feeling second or even worse. Find a business that is “family-oriented”. Find something that everyone can take part in. There is nothing better in life than having a successful home business that incorporates your family - not excludes them. Good luck in your future endeavors.

I am Sandy Phinney. My daughter Karrie and I are distributors for Mia Bella Gourmet Candles. It’s an awesome company that makes soy/veg wax candles that leave NO BLACK! We are enjoying working together for the first time. Karrie goes off to college in the fall and I wanted to give her a taste of what it’s like to be an entrepreneur. We’re just having a blast earning money and developing a business partnership.
http://www.LuvRcandles.com
“A candle with NO BLACK & GREAT possibilities”

With so many home business opportunities available, it can get overwhelming trying to decide where to get started.
So let’s look at a handful of key ingredients that will see you to the top of the success ladder.
You must have;

1. A solid plan. How will you deal and overcome the hurdles that come your way in the business world? You’ve got to have effective strategies in place.

2. You must offer a product that can be used on a regular basis by your consumers, so that you will have repeat business. The goal is to create a long-term consumer base so that you will have a mountain of residual and passive income.

3. A coach or mentor, who will support you. Your coach or mentor should already be at the level that you are striving for. He or she will help you gain access to the blueprint of success in your particular industry. You will avoid time wasting and money wasting mistakes by having a good mentor.

4. A good team of individuals who have the same goals as you. This is especially important in your first few months to the first year in your learning phase. Having a support group will encourage you and you will also be learning from others who are in the same situation you are in.

5. Effective marketing tools. You will also need to implement online marketing systems that can work for you 24 hours and 7 days a week. One such tool is Google’s Adwords.

6. Training. This is very important. In order to maximize your chances of success, you will need to tune into the minds of those who have succeeded in your industry before you. This may mean purchasing books, magazines, cd’s, videos, software and even attending seminars. You may also join online forums and teleconferences. The goal is to connect with successful individuals who can help you.

These are the key elements that, when combined, will yield an explosive sweet & juicy taste of success.
While all of the above things are important, you must remember that the most important key ingredient is YOU!

You have to be willing to invest the time to grow, learn, market, and birth your business.

This is not a J-O-B, where you clock in and then clock back out. You will have to spend more than the 8-hour workday.

With organization, dedication, goals, and relentless passion, you will see your way to the top!

Enigma Valdez is an internet marketer, providing valuable information for others to build successful businesses. He features a variety of home business secrets at

http://athomebizopp.blogspot.com/

http://sevenfigurecopywriter.blogspot.com