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Can't wait to start our adventure. I'm ...

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Can't wait to start our adventure. I'm excited!

peninapetersen

A little Tuesday morning inspiration :-) ...

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A little Tuesday morning inspiration :-) #inspiration #motivation #love #life #instagood #quotes #success #instagram #lifestyle #motivationalquotes #believe #positivevibes #happiness #selflove #mindset #inspirationalquotes #goals #happy #loveyourself #bhfyp #follow #like #art #fitness #quoteoftheday #positivity #yourself #entrepreneur #quote #bhfyp⁣
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peninapetersen

Had an amazing weekend at this amusement festival ...

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Had an amazing weekend at this amusement festival at Frankston's beautiful foreshore. I love to venture out in Frankston and capture all that glitters about our great city. Be sure to check out my Instagram account #Frankstongold where I post all the pictures I take with the kids. I'll try to put some up here too. There are so many hidden secrets about this great city. We love living here. It's such a peaceful and stress-free life.

peninapetersen

I'm still very much a kid at heart. I still ...

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Mar 1

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I'm still very much a kid at heart. I still believe in wishing, dreaming and making dreams come too. As a writer I don't think I'll ever lose the kid in me. I hope you never lose the magic. BTW - be careful what you wish for. Your wishes may well come true.

peninapetersen

Finally got my hair and eyebrows done. It was so ...

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Feb 28

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Finally got my hair and eyebrows done. It was so nice to have a day off. I needed it!!!! 

#woman #love #girl #fashion #beauty #style #beautiful #photography #instagood #art #women #portrait #like #instagram #model #girls #photooftheday #follow #me #happy #photo #moda #man #summer #myself #makeup #picoftheday #lifestyle #selfie #bhfyp

peninapetersen

Me too! I must have flowers, always, always! Thank...

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Feb 28

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Me too! I must have flowers, always, always! Thank you Monet.

peninapetersen

Love this delicious smoothie bowl with fresh ...

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Feb 27

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Love this delicious smoothie bowl with fresh blackberries, blueberries, banana, sunflower seeds, pumpkin seeds, chia seeds and coconut. Get your glow on every day by eating happy, fresh and delicious smoothie bowls.

peninapetersen

Lacking motivation? I keep a gym box so on any day...

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Feb 26

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Lacking motivation? I keep a gym box so on any day I have everything I need to go for a run. When I wake up I never feel like going for a run. But, I've made a habit of putting my gym gear on. Once I'm in the gear I feel a bit silly if I don't go for a run. Once I'm in my gear (after school drop off), I get out of the car near the beach. Once I'm out of the car, I feel silly standing at the beach not running. So I start running. Once running, there's no way out as people are watching me run and I'd feel silly if I stopped running. After a few weeks my body takes over my mind and wants to run. Then I don't even have to think about it. The body is amazing like that! I just rinse and repeat all of the above every day. Works for me!!!!! And, it all starts with this little gym box.

peninapetersen

I loved this home project. Firstly, moving books ...

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Feb 26

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I loved this home project. Firstly, moving books is a workout! Secondly, this was a nice way to add colour to a bedroom. Finally, colour-coding books makes them easier to find. This is because I always remember the colour of a book as opposed the name or author. I hope you enjoy my rainbow bookshelf as much as I enjoyed putting it together. l

peninapetersen

Want to save but don't know where to start. ...

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Want to save but don't know where to start. Go old school with these simple jars. Savings is a habit. These are a quick way to kickstart your mind into saving. Think outside the square. Sometimes you have to spend a little to save alot. More on this to come. I've got some amazing goodness for you. Auto Post 4:23 PM (AEDT) Save Changes
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                      Tame your business beast with a working capital loan

                      by Penina Petersen
                      July 29, 2016
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                      If you are in business, you’ll understand how hard and isolating the business beast can be. If you are like me, you’ll be surrounded by a bunch of friends, family and associates whose eyes glaze over every time there’s mention of a client, an account, a worry, a win or a loss.

                      Point blank:

                      Most people around you simply won’t understand what you are going through. Further, they won’t care. They’ve got their own range of issues and problems to solve each day. But isolation isn’t the only issue us well-meaning business people feel. There are plenty more reasons new and existing businesses fail.

                      One of the main reasons a business fails

                      If you dig around online you’ll find plenty of articles about why businesses fail. From those I’ve read there’s a common thread. The word ‘insufficient capital’ is always a clincher and it’s a major component of the ‘failed business’ equation.

                      The bad news

                      So I’m going to highlight the following to make the point (and don’t worry – I’ve been here myself):

                      While this might seem the most logical factor in the world, good-hearted, mind-numbingly smart business people get this wrong every day:

                      They have insufficient funds to launch and sustain a new venture. If you’ve ever been to an ATM and seen those words flash up – you’ll understand what I mean. Except – in business, this isn’t so blindingly obvious at first.

                      The good news

                      Despite this sad fact, there’s actually some good news on the horizon.

                      While bank funding is becoming increasingly difficult to come by, there are some excellent alternative solutions on the market that have freshly launched.

                      Such a solution is a PayPal Working Capital business loan. Since many businesses regularly conduct business using PayPal this is great news. A business can now use its PayPal sales history to apply for a loan of up to 18% of their annual sales (to a maximum of $97,000) through PayPal.

                      Other financial lenders such as GetCapital and BankWest also offer fast and flexible financial assistance to Small and Medium Sized enterprises around Australia, Making it easy for small business owners to obtain capital.

                      StartupStockPhotos / Pixabay

                      Have you been thinking about securing a business loan?

                      Read on to discover the common financial mistakes businesses make, reasons you may need to expand your business and why considering a business loan could be the best decision you make in business this year.

                      Common mistakes

                      Here are some common financial mistakes new businesses make:

                      • Insufficient operating funds
                      • Business owners underestimate how much money is needed
                      • Unrealistic expectation of incoming sales revenue
                      • Inability to define how much money a start-up needs
                      • Underestimating the cost of staying in business
                      • Lack of forecasting knowledge
                      • Poor cash flow and lack of cash flow management skills

                      Finding the money to undertake a business venture is by far one of the most difficult challenges a business can face. Many entrepreneurs start their businesses while still in the workforce. This means they’re working nights and funding their projects out of wages. And I can tell you – I’ve been there. Both my book Table Tucker and the Savings Room were both funded out of my bedroom through wages. Both were born ‘out of work hours’ too and between tiring mornings and nights as a new mum. This hasn’t been easy and in hindsight – life would have been easier if I just had money to start with.

                      StartupStockPhotos / Pixabay

                      Reasons for expansion

                      Many businesses are caught in a ‘chicken and egg’ scenario. If you’re lucky enough to make it through the first year or so of business, you’ll find more roadblocks ahead.

                      Many businesses get to a point where they are not quite big enough to cough up the extra overheads associated with expanding. On the contrary, they are also too small to continue on the same path. If they stay put, they risk just ‘mulling along’ and not growing at all.

                      10 reasons why you may need a business loan’

                      1. No start-up funding at all (yep – I’ve been there).
                      2. You can’t work from home or that small office anymore – it’s a really tight squeeze or you have customers wanting to visit
                      3. Your type of business needs a premise. For example, you have a desire to open a restaurant or cafe.
                      4. Customers are demanding more and you need to hire staff to help keep them all happy.
                      5. You’re bursting with great ideas but you don’t have the funding to get those highly profitable lightbulb moments off the ground.
                      6. You simply need funding to get you through to your next business milestone.
                      7. You want to build a relationship with a lender for future endeavours.
                      8. You need tools and equipment for your business so you can undertake important daily business tasks.
                      9. You need to buy stock for your business to get retail or online business started.
                      10. Your business is seasonal and there are ebbs and flows in cashflow – you need to cover the low periods.

                      How has a business loan helped propel your level to the next level? Be sure to leave your thoughts in comments below.

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                      Penina Petersen

                      Penina Petersen

                      Published Author, blogger, mumpreneur and eco-warrier.

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                      Can't wait to start our adventure. I'm excited!

                      peninapetersen

                      A little Tuesday morning inspiration :-) ...

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                      A little Tuesday morning inspiration :-) #inspiration #motivation #love #life #instagood #quotes #success #instagram #lifestyle #motivationalquotes #believe #positivevibes #happiness #selflove #mindset #inspirationalquotes #goals #happy #loveyourself #bhfyp #follow #like #art #fitness #quoteoftheday #positivity #yourself #entrepreneur #quote #bhfyp⁣
 Auto Post 9:44 AM (AEDT)

                      peninapetersen

                      Had an amazing weekend at this amusement festival ...

                      View

                      Mar 1

                      Open
                      Had an amazing weekend at this amusement festival at Frankston's beautiful foreshore. I love to venture out in Frankston and capture all that glitters about our great city. Be sure to check out my Instagram account #Frankstongold where I post all the pictures I take with the kids. I'll try to put some up here too. There are so many hidden secrets about this great city. We love living here. It's such a peaceful and stress-free life.

                      peninapetersen

                      I'm still very much a kid at heart. I still ...

                      View

                      Mar 1

                      Open
                      I'm still very much a kid at heart. I still believe in wishing, dreaming and making dreams come too. As a writer I don't think I'll ever lose the kid in me. I hope you never lose the magic. BTW - be careful what you wish for. Your wishes may well come true.

                      peninapetersen

                      Finally got my hair and eyebrows done. It was so ...

                      View

                      Feb 28

                      Open
                      Finally got my hair and eyebrows done. It was so nice to have a day off. I needed it!!!! 

#woman #love #girl #fashion #beauty #style #beautiful #photography #instagood #art #women #portrait #like #instagram #model #girls #photooftheday #follow #me #happy #photo #moda #man #summer #myself #makeup #picoftheday #lifestyle #selfie #bhfyp

                      peninapetersen

                      Me too! I must have flowers, always, always! Thank...

                      View

                      Feb 28

                      Open
                      Me too! I must have flowers, always, always! Thank you Monet.

                      peninapetersen

                      Love this delicious smoothie bowl with fresh ...

                      View

                      Feb 27

                      Open
                      Love this delicious smoothie bowl with fresh blackberries, blueberries, banana, sunflower seeds, pumpkin seeds, chia seeds and coconut. Get your glow on every day by eating happy, fresh and delicious smoothie bowls.

                      peninapetersen

                      Lacking motivation? I keep a gym box so on any day...

                      View

                      Feb 26

                      Open
                      Lacking motivation? I keep a gym box so on any day I have everything I need to go for a run. When I wake up I never feel like going for a run. But, I've made a habit of putting my gym gear on. Once I'm in the gear I feel a bit silly if I don't go for a run. Once I'm in my gear (after school drop off), I get out of the car near the beach. Once I'm out of the car, I feel silly standing at the beach not running. So I start running. Once running, there's no way out as people are watching me run and I'd feel silly if I stopped running. After a few weeks my body takes over my mind and wants to run. Then I don't even have to think about it. The body is amazing like that! I just rinse and repeat all of the above every day. Works for me!!!!! And, it all starts with this little gym box.

                      peninapetersen

                      I loved this home project. Firstly, moving books ...

                      View

                      Feb 26

                      Open
                      I loved this home project. Firstly, moving books is a workout! Secondly, this was a nice way to add colour to a bedroom. Finally, colour-coding books makes them easier to find. This is because I always remember the colour of a book as opposed the name or author. I hope you enjoy my rainbow bookshelf as much as I enjoyed putting it together. l
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