October 16, 2016
Many people are unaware of how many services and products have prices that can be negotiated. From cars to rent and other products and services, there is usually some wiggle room in the price. Finding a way to score great deals is a great way to save money, and avoid paying unnecessary and high rates. Here are a few tips to getting yourself the best deal.
Knowing your facts about the product or service you’re looking for a discount on is first and foremost. Do your best to understand the reasonable value of the item in the market. You can do your research online, by calling competitors, or by looking up what others have paid for the same item.
Prior to negotiating it’s important to understand what you can get that item for elsewhere, and if you’re already getting a good deal. It’s important to come to the meeting, or sales place with solid, reliable information on hand so that you can use that to get a fair price.
Look for sales, coupons, and out of season prices
Whether you’re looking to rent an apartment, buy new furniture, or invest in the latest beauty trend, there are often times that those items go on sale, offer discounts, or have great deals. Do a search online for coupons, off-season times for items, and other discounts.
Often times certain products will go on sale during certain times of the year, meaning if you wait a month or two then you could snag an even greater deal. If you’re in need of the item right away, ask for the discount to be applied now and you may walk away with a steal of a deal without waiting for the coupon.
Know your limit
A great negotiation tool is knowing when to walk away. Often times when a salesperson doesn’t believe you’ll walk away, they’ll continue to push to get you to spend more; but once you walk away the the idea of a lost sale becomes a reality, you’ll see a change in the salesman immediately.
Decide on your limit before you go into your negotiation, and be willing to walk away if you’re not getting what you want. If you show the other party that you’re serious, have done your research, and will not pay for more than what you believe the product or service is worth, then you’ll show them that you’re serious, and won’t take less than what you expect.
Negotiating can be uncomfortable, and may end up in you walking away from a service or product that’s overpriced; but trust in the research you’ve done and be willing to value your hard earned money enough to leave anything overpriced behind. Stick to your guns and you’re sure to save yourself money in the long run.
October 11, 2016
Nobody wants to buy essays expensive, so there is a deal!
Here you will find some advices to succeed in your studies in general and with essay writing in particular. Numerous services with affordable prices exist nowadays in abundance; however, you should know how to choose the right one.
How will the help with essay writing benefit for your success?
Essay writing is an exciting and interesting process, which expresses the creative and mental qualities of the student. But each person is individuality, and we may not be all equally compared. Don’t be despaired if you can’t perform this job well – not all have the same abilities. Perhaps you are a talented manager, engineer or future entrepreneur, and essay writing will not be so essential in your future career. There are talented writers, who can make excellent essays for you while you will care about developing your skills in another sphere.
You have already decided that you don’t want or you don’t like to write the essay yourself. The next step would be choosing professional custom paper service to buy essays cheap.
What would be the characteristics of the perfect essay?
1. The author should face a particular problem or question in a narrow focus.
2. The writers should express their own experiences and views on the proposed topics.
3. Perfect essay has a high degree of subjectivity, because of an individual judgment and vision; essay writing can possess a philosophical or even fictional character.
4. The content of the essay is the most valuable – the author’s identity, an expression of his outlook, thoughts and feelings, that is what highly appreciated.
Essay writing nowadays is the most popular type of works to order
Not surprisingly that it can help you a lot. The professional writers can start with writing an admission essay for you, provide help throughout your studies or when applying for internship or scholarship, and till writing a cover letter for you when you want to get a job.
Professional writers assist of a huge number of students, because they express the thoughts in such a way that they become clear, they present well the topic in details.
Rules for writing an essay are simple, but often problematic
Consider that the work can be successful with the right structure. Introduction and conclusion should be accurate, concise and focused on the main problem. In the body of a paper, you need to be sure that the paragraphs are logically linked.
Essay writing will only be successful when the integrity of the work is achieved. Not sure if you can do it? Turn to professionals! You essays will always cost cheap for you if you publish the task beforehand!
October 6, 2016
Before investing in a Fixed Deposit, take a look at factors that affect FD interest rates. This will help you find the best Fixed Deposit rates for your investment.
Fixed Deposit is one of the most popular investment vehicles in India. It pays higher interest rates than savings accounts, and comes with low risks and guaranteed returns. This is why traditionally most people choose to park their savings in FDs.
If you are planning on investing your savings in a Fixed Deposit scheme, it is important that you take a look at the factors that effect on the FD interest rates. This will help you do a Fixed Deposit interest rates comparison between different banks, so that you can narrow down on the one that gives you the highest returns.
Here is a look at some of the factors and schemes that have an effect on Fixed Deposit rates:
Perhaps the most common mistake that people make when getting a FD is to not look at the current rate of inflation.
Always remember that inflation is inversely proportional to the Fixed Deposit interest rate. So if inflation is on the rise, you will get less interest. Since you also pay a tax on your FD returns, you must calculate the total earnings you will make from the deposit, and then subtract the inflation and taxes. This will give you the real value of your FD returns.
About 18 months ago, the interest rate on FD was about 9%. This has fallen to about 7.5% in recent times. This is because inflation has increased. Therefore, before making an investment, study the current economic environment. For instance, delaying your FD a few months can get you better returns, as there may be a possibility of a dip in the inflation rate.
Special Schemes for Minors
If you are hoping to save to secure your child’s future, getting a Fixed Deposit for them is a great idea. FDs for minors require a parent or guardian to invest the money on behalf of the minor, and be in charge of the account till they turn 18.
So why would you choose this over a regular FD? Banks often offer special schemes for children, particularly the girl child. Usually the interest rates offered are higher than normal FDs. Making a one-time investment in such a financial instrument can help secure your child’s college education.
So start as soon as possible, so that you can give your child a brighten and secure future.
Higher FD Interest Rates for Senior Citizens
If you are over 60, you can opt for a Fixed Deposit designed specifically for senior citizens. Senior citizens usually get higher Fixed Deposit rates in India than others, thereby ensuring that your earnings are higher when compared to a regular FD. You also have the option to withdraw the interest generated on a monthly basis.
This gives you a constant source of income every month, much like a salary. Furthermore, you are also eligible for tax deductions under section 80C of the IT Act.
For youngsters who can’t avail this scheme themselves, as they are below the age of 60, they should tell their parents about this investment scheme. Fixed Deposits not only provide financial benefits, but also give peace of mind.
As you can see, there are different factors that influence the rate of interest for a Fixed Deposit. It may be inflation, age, taxes etc. When you plan to invest your savings, always remember that it is of uttermost importance to scout around different banks and financial institutions to learn about their interest rates, schemes, and more. This will help you figure out which organization gives you the best returns. You can then invest your hard-earned money here, and be assured that your investment is in safe hands.
October 3, 2016
Drone Rescue Org Working To Avert UAV Crisis In San Francisco
SAN FRANICISCO, Oct. 3 — Every year, more than 1,000 drones are lost or abandoned in the Bay Area. Victims of neglect, subpar piloting skills, and hungry birds of prey, these innocent unmanned aerial vehicles want nothing more than a loving home and a full charge. And that’s where San Francisco Drone Rescue (SFDR) comes in
Says self-proclaimed “Drone Mom” Kelly Swanson: “They say you can make a difference in a drone’s life, but really, Clippy [her drone] has made a difference in mine.” With its small but dedicated staff and growing community support, SFDR has found caring homes for hundreds of lost DJIs, 3DRs, Parrots, and even a Global Hawk.
For more information and how YOU can make a difference, please contact SFDR & Betabrand founder Chris Lindland at firstname.lastname@example.org.
San Francisco-based Betabrand is a crowdfunding clothing company that releases new designs daily.
October 3, 2016
Cloudwick’s new, first-of-a-kind cybersecurity platform solution combined with Dataiku DSS enables teams to explore, prototype, build, and deliver their own data-driven solutions, including threat analysis, reporting, and more.
NEW YORK, NY – October 3, 2016 – Cloudwick, the leading open source services and solutions provider, has today announced a technology partnership with advanced analytics software maker, Dataiku, to advance cybersecurity. Cloudwick has launched its Cloudwick Data Analytics Platform (CDAP) for Cybersecurity that, combined with Dataiku Data Science Studio (DSS), enables teams to explore, prototype, build, and deliver their own data-driven solutions, including threat analysis, reporting, and more.
CDAP is a managed cybersecurity data hub platform that ingests and stores trillions of events from PCAP, Netflow, Proxy, IDS/IPS logs, syslog and firewall logs for advanced cybersecurity. CDAP is the first big data cybersecurity platform to provide complete threat visibility, replay and analysis for the Security Operations Center (SOC) analyst, forensic analyst and data scientist. CDAP is offered as both a managed data center and cloud data hub for cybersecurity “. Today’s cybersecurity solutions lack the capabilities required to provide complete cyber threat visibility, data democratization for IDS, IPS, SIEM and advanced analytics due to ingestion, compute and storage limitations,” said Mani Chhabra, Cloudwick CEO. “CDAP modernizes enterprise and service provider cybersecurity and provides a new level for threat detection and prevention.”
Built on Intel Xeon technology and Cloudera’s industry leading Hadoop distribution Cloudera Enterprise, CDAP provides a turnkey cybersecurity data hub platform that provides new cybersecurity capabilities from leading advanced analytic vendors and open source machine learning projects like Apache Spot, and it enhances and extends the capabilities of SIEMs, IDS, IPS, Snort and other traditional tools.
By partnering with Dataiku and enabling the Dataiku DSS advanced analytics software platform on CDAP, teams can explore, prototype, build, and deliver their own data-driven solutions, including threat analysis, reporting, and more.
“For organizations that need tailored data security, Dataiku DSS and CDAP enable teams to build their own,” said Florian Douetteau, CEO and co-founder of Dataiku. “There are specific environments, such as healthcare and financial, in which a custom security solution is required, whether for compliance or procedural reasons. CDAP simplifies cybersecurity and enables organizations to develop their own solution. Dataiku is proud to partner with Cloudwick to provide businesses flexibility in this way.”
We are redefining how cyber threats are handled and a partner ecosystem is a critical asset to our strategy and customers,” said Thaddeus Blake, Cloudwick VP of Alliances. “We’re excited to partner with Dataiku and other independent software vendors who want to develop applications on top of CDAP to deliver increasingly valuable insight to global enterprises so they stay ahead of today’s growing cybersecurity threats.”
Cloudwick is the leading provider of bimodal digital business services and solutions to the Global 1000. Its offering, Cloudwick One®, includes solutions such as business intelligence modernization, data science, big data pilot-to-production, IoT and mobile application development, cloud, data pipeline and more, enabling data-driven enterprises like 3M, Bank of America, Comcast, Home Depot, Intuit, JP Morgan, NetApp, Target, Visa, and Walmart to gain competitive advantage from open source, big data, cloud and advanced analytics.
Dataiku develops Dataiku Data Science Studio, the unique advanced analytics software solution that enables companies to build and deliver their own data products more efficiently. Thanks to a collaborative and team-based user interface for data scientists and beginner analysts, to a unified framework for both development and deployment of data projects, and to immediate access to all the features and tools required to design data products from scratch, users can easily apply machine learning and data science techniques to all types, sizes, and formats of raw data to build and deploy predictive data flows.
More than 100 customers in industries ranging from ecommerce, to industrial factories, to finance, to insurance, to healthcare, and pharmaceuticals use Dataiku DSS on a daily basis to collaboratively build predictive dataflows to detect fraud, reduce churn, optimize internal logistics, predict future maintenance issues, and more. Dataiku has offices in Paris, New York, and in the Bay Area.
Dataiku raised $3.7 million this year from two investors to grow its sales and tech team and international development initiatives.
October 1, 2016
One day when I was surfing on the world wide web yesterday trying to find a transporting company. I found the Titan Transline, Inc. company.Titan Transline Inc. is your top choice for transportation solutions and they located in America and Canada. They are your best company for your all over road transportation needs. Their mission is to make sure that you get the best service when you call on them. And in a timely and reasonably fair price manner. Titan Transline inc. will provide you with a multitude of over the road transportation options, including: full truckload, less than truckload, domestic and long distance hauls and also expedited service. Their trucks are built using only the best technology. Please visit http://titantransline.com today.
In my opinion I think Titan Transline Inc. is really and truly the best trucking company in the transportation business. Titan Transline Inc. absolutely have the best standard and also specialized equipment for your needs. They have a lot of equipment to use including their dry vans, straight trucks, refrigeration units, flat beds, step decks, roll tites, RGNs and Double drops. Titan Transline , inc. will always provide you with the best equipment that is specifically designed to handle all oversized and overweight shipments. Titan Transline Inc. really have no job too big or to small for them to handle. I would definitely recommend Titan Transline Inc. to my family and friends.
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September 27, 2016
Fixed deposits are part of your investment portfolio. They can be long or short term deposits that earn an interest on the amount invested. Individuals, businesses, HUF, and similar entities can open a Fixed Deposit.
You can choose from various Fixed Deposit Schemes offered by NBFCs. These can vary by tenure, tax benefits, interest offered, fixed time periods, special purpose FDs like income generating deposits and so on. If you want to choose a relatively short tenure for your FD but still stand to earn more, then go in for Special FD schemes where you invest for a specific number of days. This will get you a slightly higher rate of interest than the standard FDs. Similarly, tax saving Fixed Deposits and other long term fixed deposits also help you earn higher interest.
Corporate Fixed Deposits are usually offered by commercial entities to help people raise funds. You’ll almost always get the highest interest rates on FD from them as these business entities want to attract more deposits to increase their capital. However, make sure that you read reviews of these FDs and choose to invest only with companies that have AA ratings and above.
Businesses and Asset Classifications
Assets are resources that are owned by a company and are utilized for various purposes at different times. Investments are also part of a company’s assets; they are a financial resource.
Businesses acquire several resources to help in their operations. These include cash, financial resources like investments, machinery, tools, and some non-physical assets like goodwill, trademarks, and brand identity.
Investments help build cash resources for a company, either ready cash, short term investments or long term investments. A business firm can invest in other companies, they can buy land or a house and try to sell these to raise cash for the business at a later date. Usually, ready cash and short term deposits provide them with the funds needed to conduct their daily operations.
Fixed Deposits as Business Assets
Fixed deposit schemes offer an attractive way to put aside funds that might be needed in the future. These debt instruments offer security for the invested amount, and though the growth potential is not high, your investment does earn some interest. This is a good way to ensure liquidity as well as making an investment.
Most fixed deposits, except a few like tax saver FDs, can be easily closed before term if there is a cash crunch. You can also choose to take a loan against the deposit and avoid foreclosure penalties. Thus they are fairly liquid assets, regardless of the tenure of investment.
Accounting and Fixed Deposits
Accounting guidelines help to decide how to classify the various assets owned by a company or individual. If it is a tangible financial asset, classifying it as a current or noncurrent asset would depend on the convertibility or the liquidity of the asset. Though all fixed deposits are liquid assets up to a certain extent, the tenure of the FD is considered for accounting classifications. These are based on AS 3 and Schedule VI guidelines. For fixed deposits, the classification is one of these – cash, current, or noncurrent:
- If the Fixed Deposit is for a tenure of three months or less, it is listed under cash or cash equivalent in a journal entry
- If the maturity period is less than a year after balance sheet date, it shows up as a current asset
- If the maturity period of the deposit is more than a year after the Balance Sheet date, it is listed as a noncurrent asset.
Significance of Asset Declaration – A Footnote
Building a detailed list of assets, classifying and recording them formally is not important only for businesses. It can be equally helpful for individuals too. In a business, it helps in quickly reviewing the resources it has, and the category of resource to which an asset belongs. This helps the business identify those assets that are quickly convertible into cash and those that are not so easy to liquidate.
It helps in the declaration of assets for tax purposes and know about the tax benefits from investing in Fixed deposits.
Formal records of assets also help individuals and other entities to assess their net worth and to pay taxes. Income tax requires a detailed declaration of assets. Income tax is levied upon assets that earn an income, like investments in bank deposits, and shares.
Wealth tax is another direct tax that also needs details of an entity’s possessions. Wealth tax is levied on assets that do not provide an income, like land, jewellery etc. However, from the financial year 2016-17 onwards, wealth tax has been abolished though the surcharge on the earnings of the very rich is in place. In fact, the super rich, that is, those who earn in excess of Rs. 1 Crore per year, now have to pay an additional 2% on their annual income as surcharge.
This has been made to streamline tax collection. Taxpayers now have to provide a detailed list of their assets in their IT returns. This will be used for verification of declared assets by taxpayers. By abolishing wealth tax and focusing on the collection of surcharges from the wealthy, the government has brought more people under the tax net, as a sizably larger number of people file IT returns than those who file their wealth tax details.
September 23, 2016
Life is about money. There isn’t much of an argument against that fact. It drives the world, and while people would like to think that life, in fact, is about more meaningful things like love and eternity and all that, the reality of the matter is that without money, life becomes increasingly harder to live.
Now just because somebody has more money than another person doesn’t mean that they’re happier, but it does help one reach certain goals and aspirations they have in life when the little green bill is available in stacks to pour into the pockets of those who make the world turn. If you’re curious as to how money helps people make it in the world in all aspects, here are some examples:
If you live in the United States and you’re of college age, you can attest to the fact that life would be much easier if you had money to simply pay for college. Student loans are held by 40 million Americans and account to 1.2 trillion dollars in debt. The issue is not with the loan companies. It lies with the college system.
Why is a textbook $200 dollars? Why does it cost a student anywhere between $10,000-$50,000 dollars a semester to get a degree? For the people who have the money to pay for the schools that get you the connections that get you places, this is no big deal, but for everybody else, it is. That’s one reason you could use more money today.
Everybody says that when you’re young and unattached it’s a good time to go and see the world. However, when was the last time you met a young and unattached person who had money that wasn’t funneling their entire life into working 3 jobs so that they could pay for school? Travel is very important and will give a person some of the best experiences of their life. If you had more money today, you could do it. But that’s the whole issue, isn’t it?
Let’s assume that you’re the entrepreneurial type for a minute. Whether you’re an artist, a photographer, or a person who wants to make their passion into a business, you have a hard time doing that without funds. As a musician, you need music equipment. As a photographer you need cameras and lenses, as a person who wants to become a home flipper, you need a way to master your skill. Money is the means to get that done. Of course you can get creative, but if you had a little more money today, wouldn’t it solve so many problems? Whether it’s skill, traveling, or education, money makes it happen. Best of luck for acquiring it.
September 21, 2016
When it comes to photography, you need to give it your all. It’s a profession where your success depends solely on your passion and expertise. This is why it’s important to remind yourself why you love what you do. However, besides passion, photography is also very difficult to sustain financially. So, don’t be surprised if your account balance doesn’t really agree with spending on that super-expensive but mind-blowing camera you just spotted on an online deal. Some camera offers only last for a few hours, but you’ll be surprised at how much you can save if you snag one of those deals.
So what can a budding photographer do? If you’re just a camera away from realising your potential, then some of the cheap cameras in India might seem like they’ll do the trick, but is that what you’d like? Well, there’s always the option you probably won’t prefer; buy cameras online at the best price, since online shopping is all the rage. But, they aren’t going to come cheap, are they? Well, here’s exactly what you need; pay in instalments!
Here’s how digital cameras online shopping can turn out to be the best kind of shopping you’ve ever done.
Why use EMI Card for Online Shopping?
EMI stands for Equated Monthly Instalments and is a recurring term in the jargons surrounding loans, mortgages, and banking. So, how could an EMI possibly help you out when it comes to online shopping? Well, what if you could pay for an item or product you purchase online with instalments? It simply means that you don’t have to pay the full amount up front. It’s only too easy to understand how this can come in handy for every online purchase you make. This holds true when you realise that digital cameras aren’t the cheapest products to buy. The latest digital cameras aren’t going to come cheap, and will probably be a lot heavier on the pocket than you imagine. This is where the EMI card comes in.
Looking beyond digital cameras, any electronic appliance or item purchased online can come at a hefty price, even though it may be lower than the market price (MRP) for the same product. Then there’s also the possibility of wanting a return on your purchase if you’re not necessarily happy with it. This would also save you from paying the full amount up front, and facing an immediate loss that might prove to be financially damaging.
How can you get started on EMI payments?
Some banks, if not all, have started giving their customers a chance to apply for an EMI card. These cards come with various benefits that change with each bank and NBFC. The usual benefits include zero down payment, and almost NO documentation. Some banks don’t even charge a processing fee for the issue of the EMI card.
This card essentially serves as a pre-approved loan that you can use for all payments made online. However, if you’re careful enough in choosing the bank/NBFC from which you take the EMI card, you can also rake in a few other benefits. These include pre-approved offers from various retailers and manufacturers. Also, when opting for an EMI card, keep in mind its validity across various online portals; the more places it’s valid in, the better it is for you.
Cameras are quickly getting smarter and smarter day by day, so it only makes sense for you to want to own the best and latest of digital cameras online. And yes it is possible, you can buy cameras online at the best price, and even get the option of paying it through your EMI card! What more could you possibly need? As for what you’re looking for in a camera, it could be anything from something that gives you more control over your lens, or something that’s fully automatic. There’s always going to be something that fits your need perfectly!
There are in fact, cameras that give you a hundred per cent control over the exposure, aperture, lens, and what not. The camera offers today are both unbelievable and irresistible! If you haven’t already looked up the latest advancements in digital cameras, especially if you’re worried about the price, then now’s the best time. With these easy EMI payment options, you’ll never have to worry about the perfect camera being out of reach.
Get More Deals: https://www.bajajfinserv.in/finance/shop-on-ecommerce/shop-on-ecommerce.aspx
September 13, 2016
In the age of recession, the bedroom entrepreneur has thrived. This is someone who has managed to grow their business from the ground up into something influential worldwide, usually utilizing the power of the web. Such huge growth is due in no small part to the proliferation of entrepreneurial ideas blasted across our Television screens; shows like Dragons Den and The Apprentice which offer investment to the lucky few. However, for every business seeking investment, there are hundreds more that have selected an alternative route; building a business on profits alone, also known as bootstrapping.
This is an area in which I have a lot of personal experience. Having started the SmartBuyGlasses Optical Group with no investment at all (except for a lot of time!), the company has now grown to be a leading designer eyewear e-retailer selling in over 35 countries and with over 150 employees globally. With this experience, I can really appreciate the importance in having control over key decisions, which is essential in a company that is just getting started. This is one of the major advantages of bootstrapping. Here I lay out 6 tips to help anyone wanting to go down the same path.
Have Passion in the Product
When starting any business it’s important to be devoted to what you are selling. How can you expect other people to buy when you don’t really care what you sell? This is especially important when bootstrapping as you will eat, sleep and breathe your product for a long time. It’s rare that a business will deliver huge amounts of profit within the first two years and as such you’ll be doing a lot of work for what looks like little reward. It’s this passion in the product that will differentiate between those who give up and those who continue on to success. One of the reasons I decided to found my company was my passion for the product. Having been a glasses wearer most of my life, I always found it difficult to find a pair of glasses that were exactly what I wanted. Physical retail stores tended to stock the same things, best-sellers dictated by the brands themselves and this really limited my choice.
Be Financially Thrifty
The things that look like necessities probably aren’t. Whilst receiving investment usually means that you can grow your team, your premises and your infrastructure fast, it tends to also create a lack of understanding of the financial importance of being savvy. Without investment, every financial decision and detail is scrutinized. This means that while you may believe that a fancy new office is essential; in reality that money could be put to better use. For a long time, our office was a bedroom as we knew that renting a space would eat into any profits we were making. It was only at the point where the space became too small that we expanded. After starting with that one office come bedroom, we now have operations in Italy, China, Hong Kong, Australia and the US.
Network Your Ass Off
Networking is an essential business skill that every entrepreneur needs to finesse. In bootstrapping a business, it’s unlikely that you’ll have huge expenditure for PR or advertising. This is where networking can really come into its own. You can use your contacts to connect you to people who could get you exposure, offer advice or even ask for a favor. At the very least, the more you network, the more you learn and the more you can increase awareness of your company.
A successful company is rarely a one man operation and as such you’ll need the right people to help steer your ship in the right direction. It’s all about employing smart. One of the initiatives at my company was to create our own global e-Marketing Institute, offering people from all over the world the chance to come and learn hands-on marketing skills in a real business environment. That way we were also able to native speakers to help the business expand into other markets.
Put Your Profits Back Into the Business
This one is simple. If you’re not receiving financial investment then the only way you’ll be able to grow is by investing profit back into the business. Look at your projections for the following year and see what you think you’ll need to invest to achieve these targets. It could mean taking a lower salary or even no salary at all (like we did for many years). Loans can seem like an attractive option for a quick capital injection but this will only put more pressure on the business which can be especially dangerous in an uncertain economic climate.
Accept Investment When the Time is Right
Bootstrapping ensures that you can make decisions easily and respond to the market fast. There will most-likely come a time however when investment becomes a viable option. It’s at this point that you need to be willing to let go a little and that by seeking such investment, the gains can be substantially higher. Raising capital once your company is successful and sustainable puts you in the drivers’ seat to select the best investors at the right terms.