Differences in the Types of Auctions That Take Place Around the World

Auctions are those events where properties or goods are sold to the highest bidder. Auctions are mostly public events, where bidders make a series of bids and purchase a particular item for a high price. During auctions, bidders decide the price of an item rather than the seller. It depends on bidders to decide the amount they would want to pay for a specific item. During an auction, a bid is a proof of a legal binding. Bidders agree to pay the amount that they have bid. In a high profile auction, bidders may have to pay a deposit in escrow accounts or give a proof that they can pay for those items.

Types of Auctions:

Different types of auctions take place around the world. Below mentioned are some types of auctions:

1. English auction:
This is a basic type of auction. In this type, people can see the item and then start bidding. Bidders slowly raise the value of their bid until everyone gives up. The highest bidder is the winner. An auctioneer manages an auction, keeps records of the on going bid and decides the winner. Sometimes, the seller will quote a minimum amount for an item to the auctioneer, below which the auctioneer cannot sell that item.

2. Dutch auction:
In this type, the auctioneer sets a particular price and then gradually lowers the price. People in public will start bidding and later decide which prices are suitable for the item. A seller may use this type of auction to sell large quantities of same products to the public. For instance, a seller may want to sell a large amount of hay and will thus, decide to sell this hay to people for the same amount, once a reasonable price is decided.

3. Silent auction:
In this type, the bidders in public will present their bids in a sealed format. These sealed bids open at the same time and bidder with the highest bid wins. There could be a modification in this type of auction. The bidders are allotted a specific period to bid. They can roam in a room displaying the items, and write their bids on an associated sheet of paper. The bidders are allowed to see bids of other bidders and can choose a higher price for an item. At the end of the allotted time, bidder with the highest bid is the winner.

Examples of Auctions:

Auctions can be of two types either public or private. Sellers may trade any kind of items in both types of auctions. Some areas where auctions take place are:

1. Antique auction: An antique auction consists of a trade opportunity as well as provides entertainment.

2. Collectable auction: In a collectable auction, the seller may put up collectables like coins, vintage cars, luxury, stamps, real estate, and luxury for sale.

3. Wine auction: In wine auction, bidders can bid for rare wine, which may not be available in retail wine shops.

4. Horse auction: Bidders can bid for young horses of the best breed.

5. Livestock auction: In livestock auction, bidders can buy pigs, sheep, cattle, and other livestock.

The other examples of auctions may not be public. These auctions are for bidders from corporate levels. Some examples of private auctions are:

1. Timber auction
2. Spectrum auction
3. Electricity auction
4. Debit auction
5. Environmental auction
6. Auto auction
7. Electronic market auction
8. Sales of business auction

Bidders in an auction need to examine the items displayed and decide an appropriate price for an item. Thus, auctions help buyers in getting the best deals and in gaining better profits for sellers.

Applying For a Small Business Loan

When you have ideas, plans, and desires in place, the anticipation of moving forward in operation a small business is extremely exciting. Only one thing can hold you back – money. Working with a lender and applying for a small business loan can be easy or difficult, depending on how much preparation you’ve put into the process.

The lender will ask for a variety of items when applying for a small business loan

1. Business Plan.

If you don’t already have one, write one. Virtually no lender will consider you for a small business loan without the organization, detail, and direction you have for your business, and all of this is stated in a business plan. For information on how to write a business plan, visit sample-business-plan.org/sample-business-plan-directory.html – Don’t be afraid to hire a professional writer to write or proofread the plan for you if you’re not confident in doing it yourself.

2. Loan Proposal.

Nearly all lenders require a loan proposal if you are applying for a small business loan. After you’ve written a detailed business plan, your loan proposal can be written. The information in a loan proposal includes details on who you are, including your experience and business desires; how much money you need and what it will be used to purchase or fund; how you intend to pay back the loan; and what your plans are if you cannot pay the loan back in full.

3. Completed Lender’s Application.

Most lenders will also require that you complete a business loan application when applying for a small business loan. Your application should be very organized and presented in a professional manner. Don’t omit any details, and be completely honest about your credit history, even if you don’t have an excellent credit rating, when applying for a small business loan. Some lenders base their loans on the character of the person applying for a small business loan, and if you’re “borderline” for qualifying for the loan, your honest application can prove to the lender that you are indeed trustworthy for receiving a small business loan.

4. Financial Statements.

If your business is already in existence, visit the lender for your interview with two years of tax records, as well as two years of business and personal bank statements when applying for a small business loan. Not all of that information may be required immediately when applying for a small business loan, but it’s better to be prepared with the information on hand, rather than have to tell them that you’ll have to bring that in at a later date. Your tax records will show the profitability of the business, as well as detail its expenditures. Your bank statements will prove that money is coming in, and that the business is already established. If your business is yet to be launched, you still need to go to the meeting prepared with both two years of tax forms and two years of personal bank statements when applying for a small business loan. This will show the lender that you are a responsible, reliable individual, that you pay your bills, and that you file your taxes in an honest, timely, and fair manner.

5. Resume

While not required for a meeting with a lender, it’s probably a good idea for you to have a current resume with you for the interview with the lender when applying for a small business loan. As mentioned, there will be some judgment of your character made at your loan interview. If this should come into play during the interview, you can easily present your resume to show your work experience when applying for a small business loan. This is especially important if you’ve worked in the field in which your business will be based. It’s also important in the instance that you have experience in a business-related area, such as management, marketing, or accounting, to show that you are capable of succeeding in business due to your experience in working with other businesses.

The bottom line is to be prepared when applying for a small business loan:

- Visit the lender with all files neatly presented and very organized.

- Present information as requested during the application process and interview when applying for a small business loan.

- Dress for success. Don’t show up at your meeting in jeans and a sweatshirt when applying for a small business loan.

- Don’t worry if you’ve forgotten anything, and don’t get flustered. Offer to drop off or fax the requested information as soon as you leave the meeting. Offer to provide any additional information that could possibly play a role in your loan’s approval.

If your business loan is not approved, don’t become frustrated. Many small businesses are declined on small business loans. Look into alternative loan sources, and don’t give up.

Lay A Good Foundation For Success In A Home Based Business

When the construction foreman and his workers start to build a new house, they must first begin with a good foundation. The plans have been made, the lot has to be prepared, and the foundation must be on solid ground. It must be strong enough to hold the house that will be built above it.

A home based business, or any business, must be build on a strong foundation in order to be successful. If it is not, there is a good chance that it will crumble rather quickly. Although it is difficult or impossible to correct a bad foundation on a house, business owners can go back and improve the foundation they originally had. If it does not work, they are able to do something about it and make changes where necessary.

People in a home based business can lay a good foundation for success by doing certain things:

1. Know what you are getting into and like what it offers
2. Be willing to put in the study and research it takes to know all you need to know
3. Set goals and remind yourself of them everyday
4. Develop a business plan of how you will achieve your goals
5. Talk to others in your field who can assist you
6. Think of others whom you can help
7. Have determination to succeed
8. Think positively about your probability for success
9. Be dedicated and work hard
10. Be willing to persevere and stick it out

It may sound like a lot to learn and do, but anything worthwhile takes time and effort. A person needs to exercise hard work and dedication to be successful. Some things from the list above need to be done immediately upon entering a home based business, and most need to be continuously observed in order for the business to take off and grow to the heights possible.

There are many types of home based businesses. In years past, there were cottage industries such as sewing and crafts. Network marketing (MLM or multi-level marketing) has been around in one form or another for decades. The concept remains the same as people are working together to create income and are paid on the efforts of those signed up under them. In this day and age, there are numerous types of businesses which are basically conducted out of the home. This allows for more freedom and less expense than a traditional brick and mortar business.

When building a house or starting a home based business, the foundation is one of the main keys to ending up with a good product or finding success.


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