Monday, 2 May 2011

Enterprise research



    Which business accounts does free business banking apply to?

    Free business banking applies to both our Business Current Account – Small Business Tariff(turnover below £1 million) and Business Direct (turnover below £500,000).

    What is not available within the free business banking period?

    • During the free business banking period, no credit interest is payable
    • This free business banking offer is not available, if your estimated annual turnover is £1million or above.

    What happens at the end of the free business banking period?

    You will automatically move on to the tariff of your chosen account. However, you will also have the opportunity to select a different account, if your business banking needs have changed.

    Standard Account ServicesDescriptionFree Banking
    Account Maintenance FeeA monthly charge applied only when there has been activity on the accountFree
    Automated CreditsAn electronic credit paid into your accountFree
    Bill PaymentA Bill Payment which is debited to your account via a branch or telephone banking service and credited to a recipientFree
    Branch CreditsCredits paid in over branch counter (containing cash and/or cheque activity)Free
    Branch Cash InAdditional charge for cash paid in at branchFree
    Branch Cheques CollectedAdditional charge for cheques paid in at branchFree
    Branch Counter WithdrawalCash withdrawal over the counter (i.e. when cashing a cheque)Free
    Branch Cash OutAdditional charge for cash withdrawal over branch counterFree
    Cash Machine WithdrawalCharge for debit associated with a cash withdrawal from a self-service machine (i.e. one debit per withdrawal)Free1
    Cash Machine Cash OutAdditional charge for cash amount withdrawn from self-service machineFree1
    Cheques PaidCheques writtenFree
    Debit CardA Debit to your account following a Business Debit Card PaymentFree
    Direct Debit Paid/UnpaidA Direct Debit payment made from or returned to your accountFree
    Internal TransferA sterling transfer from one of your accounts to another of your accounts in the same nameFree
    Internet Bill PaymentA Bill Payment made through Business Internet BankingFree
    Other DebitsOther types of debit applied to your account (excluding Faster Payments, Electronic Fund Transfers, Priority Payments and Worldpay payments)Free
    Standing OrderA Standing Order payment made from your accountFree



    How viable is your business idea?


    1. Where did your business idea come from idea?
     a) I spotted a gap in the market and now I want to fill it
     b) Someone else - other people are already doing the same thing
     c) It's my hobby, so making a living out of it will be great
    2. How certain are you about what you intend to do?
     a) Fairly, I think it will work out all right
     b) Very, but I'm prepared to make changes to increase my chances of success
     c) It's all still a bit up in the air to be honest
    3. How original is your idea?
     a) I've come up with some improvements to an existing product that is successful
     b) My idea is totally new - it's never been tested
     c) I'm simply copying other businesses - it seems to work for them
    4. Have you tested the appeal of your idea?
     a) My mates thought it was a good idea the other night in the pub
     b) I've discussed its with a professional business adviser
     c) I've asked potential customers what they think, most of whom said they would buy from me
    5. Have you checked whether any regulations apply?
     a) I don't have any experience, I'm going to get some professional advice
     b) Because of my knowledge and experience, I already know
     c) No, I'll deal with any problems when they come up
    6. Do you know who your customers will be?
     a) Absolutely, in fact, I've already got some lined up
     b) I've not thought about that... Anyway, my product will appeal to everyone?
     c) I've got an idea of the types of people who will want what I'm offering
    7. Who will do your selling?
     a) Selling? Customers will come to me
     b) I'll be doing the selling, I've got a lot of experience
     c) I'm not very confident, I'm going to use an agent or employ someone
    8. And what about your competitors?
     a) I'm aware of some of the businesses I'll be up against
     b) I've done a lot of research and know exactly who my competitors are and what they offer
     c) Competitors? I'm not interested in what others do
    9. What will give you an edge over your competitors?
     a) My product is better than theirs
     b) I'm fully committed to meeting my customers' needs
     c) I'm going to undercut their prices
    10. Where are you going to get the money to start your business?
     a) I'm hoping a lender will take a chance on me... I'll probably get a grant, too
     b) I'll use my own savings and borrow some from family and friends
     c) I'll put up most of the money, I can offer security on a loan to cover the rest
    11. Have you worked out how much it will cost to get your business off the ground?
     a) Yes, in detail, and I've added some extra to account for unforeseen costs
     b) I've a rough idea how much it will cost
     c) Erm, no I haven't...
    12. How much are you going to charge?
     b) I've got a good idea what the going rate is
     a) I have worked out all my prices on a cost-plus basis
     c) I haven't worked out any prices yet, we'll see
    13. How much is each customer going to spend with you?
     a) Not much, but there are lots of customers out there, so it'll add up
     b) Each sale will be high value, but a typical customer won't place more than one order a year
     c) As long as I keep my customers happy, I'll get repeat business, so each customer will continue to buy from me over time
    14. How much money do you need the business to generate?
     a) I've got enough personal money to tide me over for a few months until the business is established
     b) I need to make some money, but I can cut my living expenses back and take a part-time job if necessary
     c) The business needs to support me and my family right from the off
    15. How long do you expect it to take for sales to build up?
     a) I've got some prospects already, so it shouldn't take long
     b) Gradually, over the first six to twelve months
     c) I'm expecting a deluge of sales as soon as I start
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    Tuesday, 26 April 2011

    image evaluation

    Throughout this image module i have learnt a variety of different techniques and approaches to image and drawing as a practice. I have discovered how and what type of works that image driven designers have to contend with and how they go from writing their own briefs to developing and printing designs. The image module has really inspired me and has got me back into illustration the ways of thinking and creating image has pushed me to try new things and experiment with 3D and photography. I liked how open the briefs were to let me be more creative and solve them in which media seemed appropriate to solving the problem. I wish to explore more into type as image as I discovered there is a fine line between it being image with type rather than type as image. These challenges I want to overcome and expand my use of techniques and media within my graphic work. I found the Editorial brief to be the most challenging out of all the modules as colour was a main issue and size and shape of the bounding box you had to create something in these restrictions made it hard to be creative and more practical way of thinking. I much prefer the experimental side of image. The book brief was the brief which stood out to me the most I was able to create things of my interest which was surface pattern and produced 10 books which I was really pleased with. Each brief taught me something about image and how other people view it with scale frame and format it was important that each image could be seen and identified from 20 feet which encouraged me to think about which angle to draw the imagery do i use a stroke what colour would it need to be what stock will make it stand out better. All these things need to be taken into consideration the image module for me has opened my mind to think in different ways about what and why I am using the image. For me this module has been more than just the image making its been a way of solving problems in different ways and using appropriate techniques.
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    Tuesday, 29 March 2011

    WORLDWIDE(except Asia and Scandinavia)
    CWC International
    Contact: Koko Nakano
    611 Broadway, Suite 730
    New York, NY 10012
    USA
    agent@cwc-i.com
    tel 1-646 486-6586
    fax 1-646 486-7622
    ASIA
    Cross World Connections
    4-3, 2F Saragaku-cho, Shibuya-ku
    Tokyo 150-0033
    Japan
    agents@cwctokyo.com
    tel 81-3- 3469 0745/0746
    fax 81-3 3496 0747
    SCANDINAVIA
    Woo Agentur 
    Hökens Gata 8
    116 46 Stockholm
    Sweden
    office@woo.se
    Tel: +46 (0)8 6402305
    to contact me directly
    stina@stinapersson.com



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