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What is gross income? Business gross income & individual gross income

What is gross income? Business gross income & individual gross income

Salary Calculator The Salary Calculator converts salary amounts to their corresponding values based on payment frequency. Examples of payment frequencies include biweekly, semi-monthly, or monthly payments. Results include unadjusted figures and adjusted figures that account for vacation days and holidays per year. This salary calculator […]

How to Inform Someone of a Death by Email

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How to end a letter | 10 powerful ways to end your emails and letters professionally!

How to end a letter | 10 powerful ways to end your emails and letters professionally!

How to End a Business Letter with Closing Samples

Business letters are professional pieces of writings that convey crucial information. If you want to leave a notable impression on your reader, it’s important to be on-point, professional, and adopt the right tone.

Closing a letter the right way is essential as this is the last section your audience will read. Thus, making sure to incorporate the right, rather professional tone into the closing of the letter is vital to write an intriguing business letter. Closings generally establish a tone for correspondence in the future.

The closing of your letter should entirely be based on what you want your audience to understand. It can offer additional information the readers need to analyze your personal details like full name, phone number, job title, and so on. Thus, in a nutshell, letter endings play a crucial role in helping your readers understand your message loud and clear.

10 tips on how to end a letter

After writing the introduction and body, you would think the ending of the letter would be easy. You have finished with much of the content, and you need to conclude. But many still struggle on how to end a letter. The ending would depend on receipt of your letter. Here are ten tips on how to end a letter,

1. Consider reader’s reaction in letter endings

It is common to end your letter with a call to action. These could be instructions or follow-up information. While drafting your letter endings, consider the recipient’s reaction when they have read your letter. Highlight these in the letter ending. Even if you have elaborated details in the body, a quick recap of the main idea is helpful.

2. How you want to reader to feel after ending a letter

Consider how you want your reader to feel after reading the letter. How to end a letter should reflect the sentiment. E.g. if you want your reader to feel your sense of urgency, you can end your letter with: As soon as possible or immediately. If want them to think that you are trustworthy, use, please do not hesitate to reach out if you have further questions.

3. How to sign a letter?

Whether you are writing a personal or professional letter, you should know how to sign a letter. You should know where to place your signature and what to add before and after it. Tailor your responses to the receipt for perfect closing. There are three thumb rules you can follow,

4. Choosing the right letter sign-offs

You need to start and end your letter on a strong note. Choose the right letter sign-offs brings you closer to your goal. Compared to the start of the letter, you have more options, and you should be brief and courteous. Some common letter sign-offs used are – best regards, sincerely, and yours truly.

5. Choosing the right letter salutations

Letter salutations are an integral part of your letter. The choice of salutations depends on whether you know the person and the nature of your relationship. Some common salutations examples used in business letters are,

6. Including information needed in closing a letter

Before closing a letter include – your name, designation, contact details, time and date (if applicable), and any other instructions required by the reader. You can add this information in your closing paragraph or as a part of your signature if they need contact information (your name, designation, email address, phone number).

7. Appropriate salutations for letters

Part of how to end a professional letter is creating the right impact, you should use the appropriate salutations for letters. Your salutation may need modification, according to your audience. While sending a professional letter, use professional closing rather than something casual. When in doubt, use a formal tone.

8. Letter endings formal

Letter ending formal should have a strong conclusion and clarify the purpose of your letter. In most cases, you want to continue your relationship. Your letter ending formally could be a summary of the contents, a call for action, or express gratitude for the help, or an invitation to meet in the future at a specified date and time.

9. What to include in letter signature

A common mistake is forgetting to include a letter signature while corresponding. Sign a letter your letter beneath the letter closing and your contact information. The contact information should include your full name, designation, email address, phone number, and any other contact information you want to add.

10. Formal letter closings

Remember formal letter closing is your last words, we have short memories. How to end a formal letter, will determine if the reader will remember your letter. Use the letter to underline your enthusiasm and interest, and encourage the conversation to continue. Remember to be polite, summarize your contents, and have a call to action.

Letter Closings

Getting into any kind of conversation is an easy task but it is difficult to come out of it. You may feel awkward at times when it comes to ending your conversation. You may come across the same kind of a problem while carrying out the conversation by means of letter writing. Many people feel it easy to start the letter writing with a positive approach and continue to do the same while writing the body of a letter. Such people may go wrong while ending a letter.

Understand the fact that the closing of a letter can make or break your letter. It does not matter, which type of letter you are writing but it is important to close it in an appropriate manner. You can make use of a creative closing, then be it a personal or a business letter. What kind of response are you expecting from a recipient? Depending on an answer to this question you can consider ending your letter.

Are you writing a job application letter? If yes, then you can mention in the closing of a letter that you would make a call on a later date. This can allow you to further make it easy to carry out the conversation and get the job. Nowadays, there are many offices that like applicants to show some determination and make a call in order to follow up their own application.

In comparison to a formal letter, in a friendly letter, you can avail many closing options. There are many ways to close a letter. Closing a letter in a casual tone can become easy, in the case of an informal letter. If you are writing a letter to your friend or a family member, then you can close such a letter by giving regards to all near and dear ones. Closing a letter is not a difficult task if you maintain the same tone of writing, throughout the letter.

The main purpose of the closing sentence is to clarify the purpose of writing a letter. Make use of words in the closing of a letter that can show your connection with the recipient.

Many people write the last sentence of the letter in such a way that they can cover all the important points of the communication. On the other hand, some people make use of the last sentence in such a way that it can provide them an opportunity to give some instructions. Many times, call of action is also given in the closing sentence of a letter.

If your main purpose is to maintain the relationship for the future, then you can end by saying that “you would like to continue the same kind of relationship in the future”. You can also conclude your letter with an expression of the feeling. If you know the purpose of writing a letter, then it can become easy for you to determine the right closing sentence.

Are you writing a formal letter? Are you finding it difficult to close your letter tactfully? If yes, is that you answered then here are few examples of formal closing sentences that can prove to be helpful to you:

  • Please do not hesitate to get in touch with me, if you have any further queries.
  • We await your reply with interest.
  • I look forward to hearing from you.
  • I look forward to a reply at your convenience.
  • Awaiting your kind response soon.
  • I look forward to hearing from you as soon as possible.
  • We are looking forward to building a long-term business relation in the future.
  • We look forward to a continues business relationship.
  • I look forward to our meeting on Monday.
  • I await your prompt reply with a great interest.
  • I look forward to seeing you.
  • Please advise as necessary.
  • Once again, I apologize for any inconvenience.
  • I would appreciate your immediate attention to this matter.
  • Thanks again for your attention and time.
  • It’s always pleasure doing business with you.
  • Looking forward to our successful relationship/partnership.

Are you writing an informal letter? Are you finding it difficult to close your letter tactfully? If yes, is that you answered then here are few examples of informal closing sentences that can prove to be helpful to you:

If you conclude a business letter with an informal tone, then this can leave the reader feeling confused. On the other hand, if you conclude an informal letter in a formal tone, then again this would confuse the reader.

  • Best – “Best” is the short and a sweet way to conclude and sign-off. It can be further extended by writing, “Best Regards” or “All the Best”.
  • Sincerely – “Sincerely” is the very common closing sign-off. If you can’t think of anything else, then sincerely can prove to be the best sign-off.
  • Thanks – “Thanks” can be used to express your gratitude completely.
  • Warmly – “Warmly” can be a good sign-off, if you have met the person previously.
  • With anticipation – “With Anticipation” can be used when you are writing a letter that is related to making an appointment.
  • Looking forward – “Looking forward” can be used as a sign off when you want to end a letter by stating assurance of a continued relationship. It is a pleasant way to convey your desire to continue a relationship.
  • Regards – “Regards” is used by many letter writers because it shows some professionalism and respect. If you want to add an emotional touch to such a sign off, then you can write “Warm Regards”. In a professional letter, adding “Warmest Regards” can be little too warm.
  • Respectfully – “Respectfully” is a nice way to end a letter because it indicates that you respect the recipient.
  • Cheers – “Cheers” is the kind of the British way of signing off a letter. Convey a friendly cheer because sometimes it may also refer to drinking alcohol which can be a way too informal.
  • Faithfully – “Yours faithfully” can also be a good sign off because it can add a touch of loyalty. You can use it in a kind of a letter that might not convey any kind of jealousy.
  • Hope this helps – “Hope This Helps” can be the perfect closing sign off if you are trying to offer an advice to someone.


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Business financing

Business financing

Among the basic financial tools that all business owners should consider is one or two business credit cards. If you pay in full each month, consider rewards cards that earn you cash back or other perks. If you’ll carry a balance, a 0% APR card may be a good choice. In addition to freeing up cash in an emergency, today’s business cards can provide a wide range of business cash management tools. See what your employees are buying, categorize spending for better budgeting, and use the reporting perks to make tax-time a breeze! With rewards ranging from airline tickets to statement credits to cold, hard cash, there’s likely to be a couple of cards that can help you squeeze a bit more out of your spending. Just be sure you keep your cards paid on-time and shop around to get the best annual fees and bonus offers for new card accounts.

Business Financing

Business financing is just it what it sounds like: the activity of funding the many aspects of a business, whether the funding be for starting a business, running it, or expanding it. Regardless of the size or type of business, there are fundamental questions involving financing that must be addressed.

For example, most businesses purchase a variety of items, such as buildings, machinery, or office furniture and equipment, that are intended to be useful for a long time. Such items are called long-term investments. Any business making long-term investments must carefully consider what those investments will be, how much they will cost, and how much they will hold their value over time. Just as important is the question of where to get the money needed to pay for them.

When a business is just starting, it typically borrows money from banks or other financial institutions, or it brings in additional individuals or institutions (that is, investors) to share ownership in the business in order to procure the initial capital it needs to cover the costs of building a new business. Capital is the term given to the money or other things of worth that are needed to produce goods or services. Capital can take the form of human beings, physical goods, or some means of financial exchange. Examples of capital are skilled labor, factories, office space, tools, machinery, and money.

When a businesses is up and running and managing the everyday financial operations, it may likewise turn to banks and investors for financing, but it typically relies on its customers for generating the money needed to finance the business. If the business is profitable and the company saves some of the money it makes from commercial activity, it may use that money to make new investments that will further expand its business. There are many different methods businesses use to acquire the financing they need to fund large projects and to improve their profitability.

When Did It Begin

Recorded instances of business financing date back to ancient times when wealthy Greeks arranged loans to shipping concerns that needed financing to transport freight. Greek lenders also funded miners and erectors of public buildings. In the Middle Ages Jewish merchants living in Italy loaned money to Christian Italian farmers. This practice established merchants in Europe as the main source of loans for farms and businesses and originated the concept of the “merchant bank.”

In 1781 the first commercial bank was established in the United States. Named the Bank of North America, it extended short-term loans to merchants who then passed them on to wholesalers of imported goods. The wholesalers, in turn, extended loans to retailers, often country stores and independent peddlers.

Another step in the development of business financing in the United States was taken in 1904, when the American banker A.P. Giannini (1870–1949; later to be nicknamed “America’s banker,”) opened the Bank of Italy in San Francisco in 1904. Immigrants who sought to borrow money to start businesses but had been turned down because they had no established wealth were supported by the Bank of Italy, which became the Bank of America in 1930. California industry and agriculture and Hollywood filmmaking were among the many interests supported by Giannini’s financing enterprise.

The Small Business Investment Act of 1958 established ways to make venture capital (funds from investors seeking to share ownership in new businesses) and long-term loans available to small, independent businesses in the United States. This program was the first to give small American businesses the financing they needed to start, maintain, and expand their operations.

What Is Mezzanine Capital?

Put yourself in the position of the lender for a moment. The lender is looking for the best value for its money relative to the least amount of risk. The problem with debt financing is that the lender does not share in the business’s success. All it gets is its money back with interest while taking on the risk of default. That interest rate will not provide an impressive return by investment standards. It will probably offer single-digit returns.

Mezzanine capital often combines the best features of equity and debt financing. Although there is no set structure for this type of business financing, debt capital often gives the lending institution the right to convert the loan to an equity interest in the company if you do not repay the loan on time or in full.

Advantages of Mezzanine Capital

Disadvantages of Mezzanine Capital

Off-balance balance financing is good for one-time large purposes, allowing a business to create a special purpose vehicle (SPV) that carries the expense on its balance sheet, making the business seem less in debt.

Determining how much business financing you need

A lender may also ask for a detailed list of why you need the funding and how it will be used. A lender may also ask for an explanation of why you need the funding and how it will be used. If this information is requested. Are you seeking funds for expansion? Are you refinancing a loan? Are you purchasing assets in anticipation of a busy season?

While it’s tempting to seek as much money as you can get your hands on, you only want to ask for as much as you need. Create a detailed list of the items you’ll purchase and the estimated cost. Will you be hiring employees? Document the projected cost to hire and how much the employee will be paid. Are you purchasing equipment? Research what equipment and an average cost to acquire that equipment. Figuring out how much you need—and how long of a repayment term you need—will be easier after you’ve updated your financial projections to estimate how much you need and when you’ll be able to pay it back.

Business financing basics: Debt vs. Equity

Broadly speaking, funding your small business falls into two categories: debt and equity. Financing through debt comes in the form of a business loan. Loans may be secured by assets, which means a lender can take assets if the loan isn’t paid back, or unsecured, which means there is no specific collateral pledged for the loan.

What is the most common form of financing for a small business?

How do I qualify for a small business loan?

Every lender’s eligibility criteria is different but it will almost certainly include revenues or cash flow, time in business, industry and/or credit scores. If one of these factors is weak, others should be strong. And certain types of financing require specific qualifications. For example, it is very hard to get a bank or SBA loan with bad credit. But if your business revenues are strong, you may be able to get a business cash advance even with poor credit scores.

Can you get government funding for your business?

Can you fund your small business with no money?

What is the best way to finance a business?

There is no single option that is best for all business owners. Bank loans tend to carry the lowest interest rates, but they can be hard to qualify for. Microloans often carry attractive terms for businesses that have trouble getting financing, but loan amounts are smaller.

Nav can help your business get financing by connecting you to financing options based on your qualifications. Nav’s marketplace will sort and match over 100 financing options for your business so you can apply with confidence. It’s simple, and you can sign up for free without impacting your credit score.


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why is education so important

why is education so important

why is education so important

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Why is education so important

260 million children and youth were out of school in 2018.

Education is a powerful agent of change, and improves health and livelihoods, contributes to social stability and drives long-term economic growth. What’s more, education is also essential to the success of every one of the 17 SDG goals.


define well educated

define well educated

Another word for well-educated. Find more ways to say well-educated, along with related words, antonyms and example phrases at, the world’s most trusted free thesaurus.