How to Really Have a Fun Team-Building Corporate Event

Most team building outings and exercises are downright boring. Even the bosses have to admit it. It is usually some socially inept person that plans these things. You would think they want to make everyone as miserable as they are. However, my company discovered something that works for building team camaraderie, and it is incredibly fun at the same time. We go on these corporate clay pigeon shooting adventures, and we have a blast. Pun intended! The corporate playing field can be upended with entry-level staff being able to shoot clay pigeons a whole lot better than upper management. We only have one VP that can shoot good. I have been shooting since I was a young boy, so I can hold my own with most of the people who go to these events.

There is one guy in accounting that practices on a regular basis, and he can really handle a shotgun at a pro level. Continue reading How to Really Have a Fun Team-Building Corporate Event

A New Way to Have a Holiday Office Party

There was a couple of ways we could do the holidays this year. We did not like either choice. I was trying to come up with something for my small company and my employees and spouses. We had a party at the offices last year, and it was so so. We had a dinner out at a restaurant the year before. It was so so too. My wife suggested we have a Christmas party in Bath where we shoot sporting clays. I did not know they hosted such things, but it turns out that they offer packages for families and businesses to provide a meal and some shooting time. They have all kinds of different clay shooting scenarios. One package lets you shoot over 100 clays per person. Continue reading A New Way to Have a Holiday Office Party

Minimize Investment Risk by Investing in Hedge Funds

Hedge Funds are a method of alternative investing. It is a form of investment where funds are pooled and invested using different investment strategies to generate profits in a financial partnership between the fund manager and investors.

The fund manager is referred to as the general partner and investors are known as limited partners. The role of the limited partners is the investment of funds and that of the general partner is managing them. The investors are provided a hedge prospectus which provides information regarding key aspects of the fund, such as the fund’s investment strategy, investment type, and leverage limit.

As the name implies, Hedge funds function in a manner to ‘hedge’ or avoid risks. So, we see that the objective of Hedge funds is profit maximization along with risk minimization. They are meant to generate profits irrespective of the fluctuations in the market. They minimize risk by offering the investors to go long or short stocks. Shorting implies making money when the stock drops.

An investment manager manages the funds through a company that is distinct from the hedge fund and its portfolio of assets. The investment manager uses the support of the following service providers:

Prime brokers

They help in clearing the trade, provide leverage and short-term financing.


They provide services of operations, accounting, and valuation.


They basically deal with distribution of securities. A distributor can be an underwriter, dealer or broker.

Investment strategies adopted can be classified as:

• Discretionary/Qualitative: These are strategies selected by the general partner or fund manager.

• Systematic/Quantitative: These are strategies suggested by a computerized system.

Characteristics of Hedge Funds:

• Available only to accredited investors

Investors need to have a certain net worth before investing in Hedge funds.

• Variety of Investment Options

It can be invested in various areas such as land, real estate, stocks, derivatives, currencies, etc.

• Use leverage

Borrowed money is often used to enhance returns.

• Fee

They charge a management fee and performance fee.

The main benefit of investing in Hedge funds is that the risk is lower than other types of investments. They can be said to be uncorrelated with market indices. However, the fact remains that they are prone to some amount of risk. Hence, it is a good approach to be aware of all the potential risks before investing. It is also essential to select a fund manager who is experienced in the field.

Why Do You Really Need An Investor For Your Business Startup?

Do you have a dream to be a successful entrepreneur or your own boss? What if you have a fabulous plan but lack of funding to implement it? What do you do, give up on your dream? Maybe Yes, but you should never do this. Keep your dreams alive and have faith in them because faith moves the mountains. Faith in yourself and your dreams is important to make them a beautiful reality. Don’t worry; even though you are a lack of money you can start your business. Don’t get surprised. Just leave no stone unturned, go and find an investor – a person who wants to invest in any plan that guarantees great returns.

Do you still have any doubt, why you need an investor? Let’s make it simple. It’s a common math that if you have enough money to fund your dreams, so, you can bootstrap your way, but what if you haven’t? In any such condition, you need an investor that funds your dream and you can turn them into reality. It’s quite obvious that getting investment for your very first project is hard but not impossible. Have some faith in your plans, so, you can make the other person believe in it too. Your plan is the key that unlocks the door of success for you, so, you should be ready with that.

Finally, you know, why do you need an investor for your business startup – right? So, now the question is who invests in your plan and why? Any person who is willing to invest in any plan that gives assurance about the great returns. Despite the great returns, a person who is ready to invest in your plan can be the one, who have a deep knowledge of your business field or have interest to actively help to grow a company or a newcomer.

Now when you know the answer to all your questions, so you should take your first step toward the success of your dream confidentially to be the one you have imagined. Never give up on your dreams, instead, go and fight for them. After the all these struggles, the success you will get give you the sigh of relief. Always remember, if you are passionate about what you want to do and what you want to be, so, no one can stop you. Don’t doubt yourself ever because it kills more dreams than failure ever will.

Peer-To-Peer Lending, Microloans, and Crowdfunding

The financial crisis has had at least one interesting side effect: the rise of alternative and increasingly creative forms of financing. During the economic recession, and continuing to today, credit and other traditional forms of start up financing became more difficult to obtain. As a result, entrepreneurs began looking to newer, less-traditional forms of raising capital that cut out the financial intermediaries (banks, for instance) that are typically present in the process.

Peer-to-peer (also known as person-to-person or P2P) lending is a process of borrowing directly from individuals; in most instances, the lender and the borrower never meet. There are a variety of ways this happens, but generally, the process is relatively simple: The borrower registers on one of the many peer-to-peer web sites and is then matched up with a number of lenders who are interested in investing based on the borrower and the interest rate, among other things.

The P2P industry has been growing rapidly over the past few years: In 2005, there was $118 million in outstanding P2P loans; by 2011, that number had reached more than $500 million. P2P web sites make a profit by charging the borrowers an interest rate (usually 2 to 5 percent) on top of what the lenders require. The overall success rate of getting a loan through a P2P process is about 10 percent. Microfinancing has become more popular recently because new ventures are requiring less financing than in previous years.

In the same vein, one creative funding source that has evolved in recent years is crowdfunding. Crowdfunding (or crowd financing), like P2P, involves getting individuals to pool their resources to finance a project without a typical financial intermediary. Unlike P2P, however, the lenders (also known as (“crowdfunders”) often do not engage in crowdfunding strictly for financial gain. In fact, the “lenders” often actually act more like donors. In a typical transaction, an entrepreneur can go onto a crowdfunding web site, propose the amount needed for the project, and, if the amount pledged is met crowdfunders, receive the funds. Usually, the crowdfunders receive something in return, like a product from the business (a DVD or CD from the film or album produced, for instance) but not their money back, if the project is funded, so the funds are not donations in the strict sense. In fact, studies show that for the majority of backers, the reward is the main motivator of their monetary pledge. Crowdfunding sites generally make a profit by taking a small percentage (about 5 percent) from the projects funded before the money goes to the entrepreneur.