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Exploring Finance Options for Individuals: Pros and Cons

Understand the advantages and disadvantages for individuals borrowing money from various sources. Explore common financial sayings and evaluate their meanings. Learn about financing strategies for startup businesses and factors affecting funding decisions.

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Exploring Finance Options for Individuals: Pros and Cons

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  1. Unit 9 raising finance

  2. Starting up • Discussion: • What are the advantage and disadvantages for a private indivodual of borrowing money from the following: • 1. A bank • 2.a friend or colleague • 3.a member of your family • 4.a loan shark • 5.a credit card company • 6.another souce

  3. What do you think the following sayings mean?Do you agree with then? • 1. Time is money • 2.money is the root of all evil • 3.a fool and his money are soon parted • 4.monsy can’t buy you love • 5.love does much;but money does more

  4. Listening:ways of raising finance • A business owner talks about sources of business finance. • Listen to the recording 9.1 Your Logo

  5. Vobcabulary • averse1.to quite enjoy something, especially something that is slightly wrong or bad for you: I was not averse to fighting with any boy who challenged me. • 2 formal unwilling to do something or not liking something be averse to (doing) • Jim is averse to using chemicals in the garden Some banks are(=do not like taking a risk).

  6. collateral [uncountable] property or other goods that you promise to give someone if you cannot pay back the money they lend you [= security]: • Weour home as collateral in order to raise the money to invest in the scheme. • discrepancy plural discrepancies [uncountable and countable] • a difference between two amounts, details, reports etc that should be the same • discrepancy in • Policein the two men's reports. • discrepancy between • There is a large discrepancy between the ideal image of motherhood and the reality.

  7. foster1 [transitive] to help a skill, feeling, idea etc develop over a period of time [= encourage, promote]: • The bishop helped foster the sense of a community embracing all classes. • subsidy plural subsidies [countable] money that is paid by a government or organization to make prices lower, reduce the cost of producing goods etc

  8. Factors Affecting Financing Accomplishments and performance to date Investor’s perceived risk Industry and technology Venture upside potential and anticipated exit timing Venture anticipated growth rate Venture age and stage of development Investor’s required rate of return or internal rate of return Amount of capital required and prior valuations of the venture

  9. Reading :financing start-up business • Read about different approches to raising captical for start up company in Japan and Italy. • Answer for the part D • 1.catalyst • 2.foster • 3.entrepreneur • 4.subcontrator • 5.turnover • 6.equity stakes • 7.unsecured loan • 8.merchant bank

  10. Case study:vision film company • A film company negotiates for finance to make a future film • Stage one: read the blackground section • Stage two:exective summary • Stage three:arrage a negotiation

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