October 21st, 2018

How Much Money Do You Need To Start Your Business?

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By Jenn Givler

Money is important to the start-up and growth of your business. Money is a necessary consideration in your business.

There are three things to think about in terms of money. First, how much of it you have versus how much of it you need. Second, how you are going to finance your business, and, third, how you feel about money.

First, how much money do you have to put into your business? If you said $0, thats ok, and Ill show you why in a second.

Now, lets think about how much you are going to need to finance your business. Think of all of the things you are going to need to run your business. What equipment do you need? Do you need to hire employees? Do you need services? Write down everything that you need for your business along with how much it costs.

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Look at the difference between how much you have and how much you need.

Now, think about how youre going to finance your business.

Ive self-funded both of my businesses. Meaning, I didnt take out a loan for either venture. I used money that I made working a full-time job, I did use credit cards for some of my cash-flow, and I also used money that my husband and I had left after family and personal expenses. Self-funding is definitely a viable option.

You can also look into financing through a bank. Set up an appointment at a local bank and simply ask them what they look for when lending money to small businesses. Be honest about your situation, and see what the bank recommends. Sometimes, they recommend a personal loan. Sometimes, you can take out a line of credit. It all depends on your situation, and your needs. If the first bank you talk to cant help, find another bank. Dont take it personally if a bank cant help you. The amount of help they can give is reliant on the terms and programs they offer.

Some entrepreneurs ask me about my experience using credit cards to finance a business. This is definitely an option, but you want to look very carefully into it before diving in. Things to consider are interest rates, and minimum payment amounts. Dont dig yourself into a credit ditch trying to finance your business.

Another option for funding is friends and family. Put together a business plan and have everyone over for a small get-together to introduce your business. Tell them what your funding needs are and let them know youre open to gifts and investment ideas.

You dont need a ton of money to start your venture. What you need to do is start where you are. If you dont have a wad of cash to devote to your business, think about ways that you can get your venture off the ground without it. You can start an e-zine for free, you can offer a teleclass, you can create and sell and e-book.

You can also market your business for next to nothing. Join online networking groups and start creating relationships. Go to local networking meetings and start meeting other people who might be interested in what you have to offer.

Money can be a real sticking point, and it can be the cause for inaction in your business. Dont let lack of funds kill your business ideas. If youre passionate about your business, theres a way to fund it. It may take some creative thinking, and maybe a different way of doing things, but it can be done.

About the Author: Jenn Givler is a Business Empowerment Coach. She teaches women entrepreneurs step-by-step how to start and market their businesses. For weekly business tips and advice:




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October 20th, 2018

Wikinews interviews Spanish Paralympic track and field athlete Alberto Suárez Laso

Wikinews interviews Spanish Paralympic track and field athlete Alberto Suárez Laso

Wednesday, July 17, 2013

With the IPC Athletics World Championships scheduled to start this Friday, Wikinews interviewed Spanish T12 classified long distance runner Alberto Suárez Laso at Madrid–Barajas Airport Monday before he departed for Lyon, France. Suárez is scheduled to compete in two events, the T12 5,000 meters and marathon events.

((Wikinews)) Hi this is Laura Hale. I’m interviewing Alberto Suárez, who is a visually-impaired runner competing for Spain in the IPC World Championships. What events are you doing? ((es))Spanish language: ?¿En qué eventos estás?

Alberto Suárez Laso : Marathon and 5000m. ((es))Spanish language: ?Maratón y 5000m.

((WN)) You have a World Record? Are you going to smash it and give Spain a gold medal? ((es))Spanish language: ?¿Vas a romper el record mundial y darle a España un oro?

Alberto Suárez Laso: This time it’s a bit complicated because I’m going a bit injured. ((es))Spanish language: ?Esta vez está un poco complicado porque voy un poco lesionado

((WN)) Ah. You finished second in London [the 2012 Summer Paralympics]? ((es))Spanish language: ?¿Terminaste segundo en Londres?

Alberto Suárez Laso : I finished first.

((WN)) The injury has impacted you training? ((es))Spanish language: ?¿La lesión ha perjudicado tu entrenamiento?

Alberto Suárez Laso : For the last three weeks I’ve been doing gym and walking machine only. I have pain in my Achilles tendon. ((es))Spanish language: ?Llevo tres semanas solo con gimnasio y elíptica. Tengo dolor en el tendón de Aquiles.

((WN)) So, as someone who writes from an international perspective, do you think Spain’s got all that stuff to help you properly? The medical support, stuff to help you recuperate and be a great runner?

Alberto Suárez Laso : I hope so. We’re there, they’ve been treating me very well and I hope to be able to run without pain, which is the most important thing. I’ve got the training, but I need to remove that pain. ((es))Spanish language: ?Espero que sí. Estamos ahí, me están tratando bastante bien y espero correr sin dolor, que es lo fundamental. La preparación la tengo, pero hay que quitar ese dolor.

((WN)) Do you run with a guide?

Alberto Suárez Laso : No.

((WN)) Okay, so are you T-13?

Alberto Suárez Laso : T-12.

((WN)) Oh. So it’s optional for a guy at T-12?

Translator : He could, but he’s not too badly impaired. He can run by himself.

((WN)) So is your preference to run without a guide?

Alberto Suárez Laso : It’s complicated because of the pace I run at. I would require several guides, and it’s hard to find them. ((es))Spanish language: ?Es una complicación por el ritmo al que corro. Necesitaría varios guías y es dificil conseguirlos.

((WN)) Do most of your competitors run with guides?

Alberto Suárez Laso : Not among the first ones. Well, there are a couple that do run with guides, but the rest don’t. ((es))Spanish language: ?Los primeros no. Bueno, hay un par de ellos que corren con guía, los demás no.

((WN)) Is there anything you would like to say about this competition coming up that people from an international sporting community would find valuable to know?

Alberto Suárez Laso : Mm, I don’t know what to say!

((WN)) Okay. Thank you very much! ((es))Spanish language: ?¡Muchas gracias!

Alberto Suárez Laso : You’re welcome! ((es))Spanish language: ?De nada.

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October 20th, 2018

UK Wikinews Shorts: March 14, 2010

UK Wikinews Shorts: March 14, 2010

A compilation of brief news reports for Sunday, March 14, 2010.

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October 20th, 2018

Despite defectors, U.S. electoral college affirms Trump presidency

Despite defectors, U.S. electoral college affirms Trump presidency

Wednesday, December 21, 2016

The U.S. electoral college voted on Monday to place Republican businessman Donald Trump in the presidency.

In most election years, this is a formality. However, with Trump’s loss of the popular vote by a margin of 2.7 million, allegations of Russian hacking, and concerns, such as those expressed by Texas elector Christopher Suprun that Trump “shows daily he is not qualified for the office,” liberal voters and anti-Trump protest groups had hoped the electors would deny Trump the 270 votes he would need to be inaugurated on January 20.

The president-elect issued a statement: “This election represents a movement that millions of hard working men and women all across the country stood behind and made possible. With this historic step we can look forward to the bright future ahead. I will work hard to unite our country and be the president of all Americans. Together, we will make America great again.”

Trump received 304 of the 306 votes he had been pledged and Hillary Clinton 227 of 232 for a total of seven faithless electors. Five whose constituencies went for Clinton voted for former Secretary of State Colin Powell, Bernie Sanders or Faith Spotted Eagle who opposed the Keystone Pipeline. Two Republican electors, both from Texas, whose votes were slated for Trump engaged in a protest vote, one for Ohio governor John Kasich and one for Ron Paul. Several other Democrats and one Republican who had announced their intentions in advance were either replaced or resigned.

While tradition dictates that electors must vote according to their constituencies, only 29 U.S. states and the District of Columbia actually have laws requiring them to do so, and there is no constitutional or federal law on the matter. In the remaining 21 states, electors are technically permitted to cast their votes as they see fit. No faithless elector has ever been prosecuted.

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October 20th, 2018

Last British volume car manufacturer closes down

Last British volume car manufacturer closes down

Friday, April 15, 2005

The last British-owned volume car manufacturer, MG Rover, has closed down, with the loss of 5,000 jobs.

International accounting firm PriceWaterhouseCooper was brought in last week to put the company into administration. Today PwC announced that MG Rover’s only hope, the Chinese car company SAIC, had no interest in buying the ailing firm. With no further source of revenue, PwC has closed the company’s factory in Longbridge, Birmingham and has laid off 5,000 workers.

Some 1,000 workers will continue for a while to complete the remaining cars left on the production line.

The BBC reported PwC joint administrator Tony Lomas as saying “We’ll explore what we would describe as the break-up of the business, we will carry on with the interested parties who want to talk about pieces of the business.”. PwC said around 70 offers for various parts of the company had been made but no serious offers of money made.

Recent efforts to save the company had been centered on convincing SAIC (Shanghai Automotive Industry Corp.) to buy the company as a going concern, but the Chinese company stated it would only buy the company if it’s financial position could be guaranteed to be secure for at least two years. The British government could not make such a commitment due to European Union trade and competition rules.

The SAIC company did buy the designs for the 75 and 25 models and for the K-Series engines for £67m.

The Rover car company has a long but troubled history. It was formed in 1968 after a series of mergers of existing car manufacturers, and was nationalized in 1975 after it ran into financial difficulties. In 1979 a long-running deal to collaborate on developing new vehicles was established with the Japanese company Honda. In 1988 the company was privatized and was bought by British Aerospace. In 1994 British Aerospace sold the business to BMW, who then sold the Land Rover brand to Ford and finally sold the company in 2000 for just £10, retaining the well-known Mini brand for themselves. The MG Rover company was run by a private group until its collapse.

MG Rover has not launched a new model since the 75 was introduced in 1998 during the period of ownership by BMW. Their next newest model was the 25, originally launched as the 200 series some ten years ago. Rover also produced the 45, which dates from 1990, and the ZF sports car first launched in 1995. Sales of Rover cars accounted for just 3% of the UK car market in 2004.

Tony Blair announced a £150 million support package for the recently unemployed workers of the MG Rover plants, though it has been claimed that his generous offer may be more as a result of the nearby marginal seats in the upcoming elections than compassion on his part.

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October 19th, 2018

Soft drink foes cheer victory, lament remaining junk foods in schools

Soft drink foes cheer victory, lament remaining junk foods in schools

Monday, May 8, 2006

Last week’s announcement that most soda manufacturers will stop selling their sugary products in U.S. schools did not mention that avoiding lawsuits was part of the motivation for the self-imposed ban. Some of those who threatened legal action to stop the soda sales are patting themselves on the back over the agreement, while lamenting that the deal did not go far enough, and now plan to press for more restrictions.

“Though there is room for improvement — sugary “sports” drinks still will be sold in schools, for instance — this voluntary agreement is certainly good enough that CSPI will drop its planned lawsuit against Coca-Cola, PepsiCo, Cadbury-Schweppes and their bottlers,” said Michael F. Jacobson, the executive director of the Center for Science in the Public Interest . “I hope this settlement contributes to the momentum that is building in Congress for legislation that would require USDA to update its standards for foods sold outside of school meals. That would enable USDA to eliminate the sale of candy, cookies, French fries, potato chips, and other snack foods, as well as sports drinks, that are standard fare in school vending machines and stores.”

In the wake of the announcement of the agreement by the three largest soft drink companies, their bottlers and the public health advocacy group, the Alliance for a Healthier Generation, Jacobson thanked his team of litigators for “negotiating effectively with the soft-drink industry over the past six months, and for demonstrating that the judicial system can play an important role in spurring public health advances.”

Richard Daynard, a law professor and president of the Public Health Advocacy Institute, which threatened the soft-drink industry with lawsuits, said in an institute press release, “The industry agreement with the Clinton Foundation and American Heart Association comes after sustained pressure from potential litigation and negotiations with public health groups and their lawyers. It is a credit to the role of litigation and the legal system as a component of effective public health strategy.”

“This agreement demonstrates the potential of public health litigation to help control the obesity epidemic,” he said.

In an email exchange with the James Logan Courier, Margo Wootan, director of Nutrition Policy for the Center for Science in the Public interest, said, “Last week’s announcement that soft drink companies will pull all sugary sodas from schools is great step toward improving school foods. This agreement is the culmination of the tremendous national momentum on improving school foods — from the local policies (in LA, NYC, Chicago, Philadelphia, DC, etc.), state bills (in 2005, 200 bills were introduced in 40 states to get soda and junk foods out of schools), the strong bipartisan bill pending in the U.S. Congress, and threats of litigation against soda companies.”

“While today’s agreement is a huge step forward, it is by no means the last step” wrote Wootan, ” We still have a lot of work to do to improve school foods.”

The agreement, announced Wednesday morning by the William J. Clinton Foundation, means that the nation’s biggest beverage distributors, and the American Beverage Association, will pull their soda products from vending machines and cafeterias in schools serving about 35 million students, according to the Alliance for a Healthier Generation, a joint initiative between the Clinton Foundation and the American Heart Association.

Under the agreement, high schools will still be able to purchase drinks such as diet and unsweetened teas, diet sodas, sports drinks, flavored water, seltzer and low-calorie sports drinks for resale to students.

The companies plan to stop soda sales at 75 percent of the nation’s public schools by the 2008-2009 school year, and at all schools in the following school year. The speed of the changes will depend in part on school districts’ willingness to change their contracts with the beverage distributors.

Some food activists criticized the deal for not going far enough and undermining efforts to go further.

Michele Simon, the director of the Center for Informed Food Choices, based in Oakland, Ca., called the deal “bogus” and a “PR stunt” by “Big Cola” in an effort to “sugar coat it’s image.”

“This announcement could potentially undermine ongoing grassroots efforts, state legislation, and other enforceable policies,” wrote Simon in an article at www.commondreams.org,” For example, in Massachusetts where a stronger bill is pending, a local advocate is worried about the adverse impact, since legislators could easily think that Clinton has taken care of the problem and ignore the bill. What was already an uphill battle—getting schools and legislatures to take this problem seriously—was just made worse, not better, by this bogus agreement.

“Even from a health standpoint, the deal is hardly impressive. Diet soda full of artificial sweeteners, sports drinks high in sugar, and other empty-calorie beverages with zero nutritional value are still allowed in high schools,” Simon wrote, “Also, parents concerned about soda advertising in schools will not be pleased with the agreement. Not a word is mentioned about the ubiquitous marketing children are subjected to daily in the form of branded score boards, school supplies, sports bags, and cups (just to name a few), which is required by exclusive Coke and Pepsi contracts. “

She’s not the only one criticizing the deal.“ While the initial details are promising, PHAI is concerned about some aspects of the agreement as it is being reported,” Daynard said in the press release. “The continual sale of “sports drinks” is a cause for concern. While they have a role for marathon runners and others engaged in sustained strenuous sports, for most students “sports drinks” are just another form of sugar water. Furthermore, the change in beverages offered must be carefully monitored and cannot depend entirely on the schools’ willingness and ability to alter existing contracts. Soda companies have spent decades pushing these unhealthy drinks on children and should bear the responsibility for their removal. PHAI is also concerned about the enforcement of this agreement and its silence on industry marketing activities in the school system,” he said.

“Importantly, the agreement doesn’t address the sale of chips, candy, snack cakes, ice cream, or any of the other high-fat, high-calorie, high-salt foods that are sold widely in schools,” said Wootan of the Center for Science in the Public Interest, “This is a voluntary agreement and is not enforceable, we need Senator Harkin’s school foods bill to lock in the beverage standards and give them the force of law.”

Even the diet drinks, which will still be offered, need to go, said Ross Getman, an attorney in Syracuse, NY. Getman has advocated that soda should not be sold in public schools and that long-term “pouring rights” agreements, which give a company exclusive access to sell their brands at a school, are illegal for a variety of reasons.

Getman, who contends that some diet sodas are contaminated with benzene, a cancer-causing chemical, said the soda “industry gets an “F” for incomplete” for “the industry’s failure to pull all soda from school and to recall products.”

Schools account for about $700 million in U.S. soft-drink sales, less than 1 percent total revenue for Coca-Cola, PepsiCo and Cadbury, the nation’s largest soda companies.

Ten of the largest U.S. school districts have already removed soft drinks from vending machines, according to Getman. States including California, Maine and Connecticut have also banned sugary sodas in schools.

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October 18th, 2018

Pakistan Taliban say Baitullah Mehsud is dead

Pakistan Taliban say Baitullah Mehsud is dead

Wednesday, August 26, 2009

Baitullah Mehsud, am?r (leader) of the Tehrik-i-Taliban Pakistan (TTP), is dead, said two Taliban leaders in a phone call to the BBC. Mehsud was reportedly killed on August 5, 2009, during a U.S. drone attack on South Waziristan; however, Hakimullah Mehsud, who was recently chosen as Baitullah’s successor, and Wali-ur-Rehman told the BBC that Mehsud had died on Sunday, August 23, 2009 of injuries sustained on August 5.

Pakistani Interior Minister Rehman Malik delayed giving official confirmation and asked for patience and an announcement by ISPR or other agencies. Major General Athar Abbas, ISPR spokesman, and Robert Gibbs of the White House had said that his death could not be confirmed although U.S. National Security Adviser James L. Jones had claimed that there was “pretty conclusive” evidence that proved Baitullah Mehsud had been killed and that he was 90% sure of it.

Mehsud formed the TTP from an alliance of about five pro-Taliban groups in December 2007, and commanded up to 5,000 fighters. Pakistan blamed him for numerous attacks including the assassination in 2007 of Benazir Bhutto, the former Prime Minister of Pakistan and wife of President Asif Ali Zardari, according to Bloomberg News. The U.S. offered a US$5 million bounty for his capture. According to the BBC, Pakistan had been unable to provide tangible evidence of his death because of the “remote and hostile terrain” of South Waziristan.

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October 18th, 2018

Cocaine found at Kennedy Space Center

Cocaine found at Kennedy Space Center

Thursday, January 14, 2010

On Thursday, NASA officials confirmed that a small plastic bag of cocaine was found two days before in a secure space shuttle processing facility within the Kennedy Space Center located in Merritt Island, Florida.

An employee found the bag in Orbiter Processing Facility #3, where the Discovery is being prepared for a March launch to deliver supplies to the International Space Station. The man immediately notified security, and local police were soon called to the scene. From there, the bag’s contents were tested, and the results came back positive for cocaine.

The center’s director, Robert Cabana, assured the press that neither the Discovery nor the hangar in which it is being housed was compromised by the presence of the illegal drug. He went on to affirm that neither he nor his agency condone the use of any controlled substance by any employee while they are on the job, and that whoever is responsible will be fired and then prosecuted for the offenses.

Furthermore, Cabana stated that besides probing the criminal nature of what occurred, NASA will also conduct a full review of recent work performed on the Discovery as to make sure that there were not any other potential problems with the shuttle that investigators may have missed the first time.

Although a drug test was performed on each of the facility’s over two-hundred workers before they left Wednesday, “There was nothing obvious,” said the center’s public relations spokesman, Allard Beutel.

He goes on to say, “Nobody was obviously under the influence when they were working, because we have supervisors there, security in there. It wasn’t obvious somebody was under the influence of this substance, or any other, for that matter.”

Senator Bill Nelson, a former astronaut himself, says he is confident that the guilty party will be found, brought to justice, and then sent “out the door.”

Beutel concluded his statement by reaffirming NASA’s “zero-tolerance” policy for controlled substances, “People know how serious this is, and how serious[sic] people take it,” Beutel said. “And it’s not acceptable. That’s the bottom line.”

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October 17th, 2018

On the campaign trail in the USA, May 2016

On the campaign trail in the USA, May 2016

Monday, June 13, 2016

The following is the first edition of a monthly series chronicling the U.S. 2016 presidential election. It features original material compiled throughout the previous month after an overview of the month’s biggest stories.

In this month’s edition on the campaign trail: a former Republican congressman briefly joins the Libertarian Party and runs for vice president; the Democratic Party names its National Convention Platform Drafting Committee amid controversy; and Wikinews interviews a candidate who had a surprisingly strong performance in the West Virginia Democratic presidential primary.


  • 1 Summary
  • 2 Ex GOP congressman joins LP, seeks VP, then leaves
  • 3 DNC aims for unity with Platform Drafting Committee picks; controversy ensues
  • 4 Interview with overachieving West Virginia Democratic protest candidate
  • 5 Related articles
  • 6 Sources

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October 16th, 2018

Five police officers killed in Dallas, Texas during sniper attack

Five police officers killed in Dallas, Texas during sniper attack

Sunday, July 10, 2016

On Thursday, five police officers were killed and seven were injured after a sniper attacked a public protest march in downtown Dallas, Texas. Sources indicate at least three other people were taken into custody for questioning relating to the attack. The march was held to protest the shooting deaths of Alton Sterling in Louisiana and Philando Castile in Minnesota during engagements with police officers.

Police identified 25-year-old Micah Johnson as the suspect. Johnson had previously served in the US army, and police reported he said he wanted to exact revenge upon police officers after news of Sterling and Castile’s deaths. Ammunition and weapons were found inside Johnson’s home. Dallas Police reported the policemen were shot at from a height. Officials said two civilians were also injured in the attack.

Micah Johnson served for the United States Army Reserve from 2009 until early 2015, including a tour of Afghanistan. Johnson had no criminal record. His attack was reported to be a lone mission.

After the attack earlier on Thursday, police killed Micah Johnson in El Centro College’s parking lot by a bomb explosion.

Hillary Clinton, 2016 United States presidential election candidate and favorite for the Democratic nomination this July, said, “There is too much violence, too much hate, too much senseless killing, too many people dead who shouldn’t be. No-one has all the answers. We have to find them together.”

After Johnson was killed, Mike Rawlings, Dallas’ mayor, said “We believe now the city is safe”.

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