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When a prospective client asks you for a quote, it's a powerful opportunity to make a sale. In fact, with the right response you may be able to 'seal the deal' almost immediately. 

But if you take your time to respond, provide wildly different quotes for similar work, or otherwise send bad signals about your business, you could easily lose that client. Which is a pity, because it seemed they really wanted to do business with you. 

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How to fund your new business venture through crowdfunding

So you've got a great idea for your business, but you don't have the funds right now to get it off the ground. 

You could try applying for a government grant, but it's often a long and arduous bureaucratic process of form filling and there are of course no guarantees you'll get the money. Some governments also offer tax incentives for research and development, but usually you need to spend the money before you can get it back. 

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Finally. An easy way to track your personal spending patterns.

Most people will quite literally earn millions of dollars in their lifetime. Yet many people struggle financially and live from one pay period to the next. 

With the ageing population and many Baby Boomers now continuing to work-at least on a part-time basis-past the traditional retirement age, people are working more years than ever. Even if a person works only 40 years, at average earnings, that's a lot of money. 

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If you once ran a thriving taxi company that started to fade when Uber burst on the scene or a hotel that suffered from the impact of Airbnb, you know what the word "disruption" means. 

You probably don't do either of those things but could the business you do run be equally at risk from rapid changes in your industry in the future?

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While most business owners know that budgeting is a critical part of their planning, there is some confusion about which components should be included in a budget. 

There are three critical elements. Together, they provide the oversight you need for your business - and the key targets to work towards. 

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