Securing Business Loans for Start-ups: Strategies for Success

Whether or not you are making revenue does not define if you are a startup. In fact, a founder may feel they have a startup and their customers may beg to differ. “Frankly, a startup is any new business that hasn’t reached critical mass yet run by one or more individuals whose primary work-related goal is the growth of that company,” Dary says. In figuring out the definition of a startup, there’s a lot of talk about what a startup isn’t. That’s because there are so many stereotypes about startups, most of them promoting the idea that they’re just a … Read More

Securing Business Loans for Start-ups: Strategies for Success

Anderson has founded several successful life sciences companies already and won the Elite Research Prize from the Danish Ministry of Science. T-Cypher Bio has secured two funding rounds so far, worth £9.34m in total, with investors including Oxford Science Enterprises and RT Ventures. The seed-stage company was founded in 2020, and already has over 100 employees worldwide, in eight offices. So far, it’s acquired four fintech companies, and has raised £13.9m in funding. Co-founded by entrepreneurs Griffin Parry (CEO) and John Griffin (Director) in 2020, m3ter has raised £21.7m in investment to date, from three funding rounds. It has secured … Read More

Budgeting for Retirement: Securing Your Financial Future

At the average retirement age of 65, most Americans will live 18 to 20 years longer because of healthier diets and fewer deaths from diseases. This, of course, means retirement planning should take careful consideration for this last quarter of your life. Waiting also gives you a few extra years to shore up your tax-advantaged investment accounts. Investors who are at least 50 years of age can make an annual catch-up contribution to their 401(k) or IRA. For 2023, those 50 or older can contribute $7,500 to a traditional IRA or Roth IRA, up from $7,000 in 2022. If you … Read More

Retirement Planning for Single Individuals: Securing Financial Independence

Defined contribution plans are employer-sponsored retirement plans that depend on workers to make contributions and manage investments. An annuity is a contract you make with an insurance company or financial services firm. In exchange for one or several contributions in the present, the company agrees to provide future income (usually with some amount of interest) for a set number of years—or the rest of your life. Because of the certainty they offer, annuities are a popular option for people who want to receive reliable income in retirement when they no longer earn a salary. A target-date fund decides on the … Read More