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Автор
Ирина Моргушина

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Если Вы планируете организовать, например, совместный бизнес с зарубежным партнером, то, наверняка, одной из тем Ваших переговоров


ДЕЛОВОЙ АНГЛИЙСКИЙ

РУКОВОДИТЕЛЯМ, МЕНЕДЖЕРАМ, СТУДЕНТАМ 

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Business IN English

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Archive: http://www.english4business.narod.ru/businessinenglish_archive/archive.htm    

Issue # 17 

Read it online  http://www.english4business.narod.ru/businessinenglish.htm  

In this issue:

Если Вы планируете организовать, например, совместный  бизнес с зарубежным партнером, то, наверняка, одной из тем Ваших переговоров будет оценка необходимых инвестиций.

В сегодняшнем выпуске Вы узнаете, как по-английски называются затраты, которые Вам предстоят.

 

How Much Money Do I Need? EstimatingStartupExpenses

 

One obstacle that entrepreneurs face is figuring out how much money they need to start and run their business. These cost estimates are the foundations used for setting prices and rates, analyzing profitability, asking for loans and investments, and most other finance-related tasks for starting your business. This process is extremely important, but does not need to be turned into rocket science.

There are two major steps when trying to estimate how much money you will need when starting your business: initial one-time costs and monthly on-going costs.

 

  1. Estimate Your Initial Startup Costs

 To determine your startup costs, you must identify all the expenses that your business will initially incur.  Examples of one-time startup costs typically include:

 

  • Incorporation Fees
  • Permit and/or License Fees
  • Down-payment on office space or rent for a commercial lease
  • Office furniture and supplies
  • Initial inventory
  • Signage
  • Business cards and stationary
  • IT/computer equipment

These costs will be accrued before you have income to supplement your business. You should look at different facilities and options for the materials that you need to purchase, and get quotes and prices so that your estimates are as accurate as possible. Saving money during the initial phase will help you get in the habit of trying to cut expenses.

 

  1. Estimate Your On-going Costs 

Not only will you need to figure out initial one-time costs, but you should also estimate what your regular/typical monthly costs will be. Examples of on-going costs typically include:

  • Your salary
  • Employee salaries, wages, and commissions
  • Rent
  • Professional services, such as an accountant and a lawyer
  • Taxes
  • Utilities, Internet, phone, etc.
  • Inventory
  • Insurance
  • Supplies
  • Advertising
  • Website hosting and maintenance
  • Loan Payments

The on-going costs should be one of the driving forces when you calculate your prices and rates. These costs need to be covered by your potential income/sales for you to make a profit in the future. However, it is important to remember that your business will not be at full capacity when it starts - the first few months may require additional funds to support your business as your sales increase and you build your brand.

 

Some costs such as marketing, advertising, and salaries may need to be revisited each month as sales increase. There is no cookie-cutter way of doing this, so research various salary and marketing formulas until you find a good fit for your specific business needs.   

After you have come up with your estimates, you will need to look at how you are going to finance the start of your business.

 

  • How much of these costs can you handle by yourself or supplemented by other income? Will you need a loan for the difference?
  • Do you have investors willing to invest and how much equality are you willing to part with for an investment?
  • Is your business going to be profitable? When do you estimate you’ll hit your break-even point?  

You should have a few different budget options from bare-bones to your dream list. These are important because when you go to the bank and talk about the specifics in regards to interest rates and terms, you may decide some startup options can wait until you starting bring in sales.

 

Figuring out how much money you need should be done with care. Remember to be realistic and honest about what will get your business moving and bringing in money. 

      

Language in focus:

 

accrued
advertising
be at full capacity
bring in sales
budget options
build brand.
come up with estimates
cookie-cutter way of doing something
cost estimates
covered by
cut expenses
down-payment on office space
equality
on-going costs
expenses
facilities
figure out
finance-related tasks

find a good fit for specific business needs
from bare-bones to your dream list
funds to support your business
get quotes and prices
handle by
hit your break-even point
incorporation fees
incur
initial one-time costs
insurance
inventory
invest/investors/ investments
loan
loan payments
on-going costs
permit and/or license fees

professional services
profitability
rent for a commercial lease
run business
salary
wages
commissions
set prices and rates
signage
startup costs
startup expenses
supplies
taxes
turn into rocket science
supplement by other income
utilities
website hosting and maintenance 

 

Tempted to start your own business but just not sure if it's a smart move? don't know what it takes or where to begin? Go to http://eng4business.livejournal.com/#post-eng4business-648 and watch these videos which have great advice to help you through the decision making process. And improve your Business English skills!

Improve your English skills and learn
more!
 
Выезд преподавателя в офис: 616-26-41/49-23
http://www.inyaz-mil.ru/courses/corporative_courses/ 
e-mail: corporate@inyaz-mil.ru 
 
Запись на спец-курс финансовый английский: 616-53-34
http://www.inyaz-mil.ru/courses/special/
e-mail: cdo@inyaz-mil.ru

 That's all for today. Good Luck!

 **********************************

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**************************************************

МОСКОВСКИЙ ИНСТИТУТ ЛИНГВИСТИКИ
ЦЕНТР КОРПОРАТИВНОГО ОБУЧЕНИЯ

Выезд преподавателя в ваш офис в удобное для вас время:
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Ирина Викторовна Моргушина

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