Posts Tagged ‘insurance’

No chance without a business plan

It was regarded as the magic formula for more work: the I-AG. But with the model of state-funded start-up is expected at the end of the year end – I-AG-candidates need to hurry. Without a sound plan is nothing.

After eleven months, I found the AG-Martin Bahr an end. The lawyer is not a lack of success – quite the contrary: His firm had exceeded the income limit of 25,000 €. It has allowed the Hamburg save the request for the I-AG-ups in the second grant year. Nevertheless, the experiment does not regret Bahr: “I came out of the preparatory service, had before the establishment does not deserve much as I wanted to secure a three-year funding..” That he no longer needed the grant at the end, be a positive signal.

Two years after the start of Bahr’s office employs four lawyers, two secretaries and two freelancers. With this success, many other I-AG-founder, however, only one thing in common: they stop promoting also the twelfth month. For most of the mini-companies but this one years after final conclusion – because the success of forthcoming.

“It affects 40 percent of the founders,” says the founding consultant Andreas Lutz in Munich. In the second year, the monthly allowance is 600 euros to 360 euros. Less premiums for compulsory insurance remains then of the funding is not much left, has in any case less than a Hartz IV recipients. By then many of the founders noted that their idea can not live and get out. “We expect with 90,000 dropouts this year,” said Lutz, the numbers together with the Institute of Economics and Transport at the Technical University (TU) Dresden has raised.

Bad reputation, bad ideas, bad cards

The calculations are the tarnished reputation of Me, Inc. is not just useful – the funding instrument is considered obsolete. “A foundation is expected to be available by the end of this year,” says Lutz. The I-AG-promotion was limited from the start. “But under a new government could be difficult to award without legislative change,” said the expert.

DPA
Ich-AG “word of the year 2002″ – because of “downgrading of human fates on a verbal exchange level,” the jury
For I-AG candidate means that you should start as quickly and as sound as possible – and the best customer with an idea that not only they are enthusiastic, but also friends, advisers and potential. A realistic financial planning and sales of more than one page is important, says the consultant Markus Hübner from Hanover. “Many entrepreneurs simply expect their hourly rate up to a week – as they have been endless requests can not work, the..”

Compared to the bridge money, the other funding instrument for the unemployed, says the I-AG, especially low-paid, part-time employees, volunteers or trainees to. They often lack commercial knowledge. Although present, applicants must leave now, the founder of a business plan and grant review by a competent authority. “It will not meet the same requirements as for the bridge money,” complains Lutz.

Office in your living room

The initiator of the website, ueberbrueckungsgeld.de “recommends as a helper consultants who themselves have already built up a business. You should know the industry of the founder, but not write the business plan, but with criticism and suggestions for the page is available. The cost of consultation, 75-95 euros per hour to be worn by many programs in whole or in part.

But many I-AG-founder spare any cost – and given that opportunity. “Lasts, the less money is put into the foundation, the longer it until you can live like this,” coach Sven Hofert founders are from Hamburg to consider. Those who receive customers in their own living room could not, require as much money as someone with a professional – because when the customers come for all.

A compelling market entry strategy is the most important element for success, says Andreas Lutz: “What good is it to acquire endless, but then you only get a slightly higher hourly rate?” Since it was still cheaper to get lower prices with a foot in the door – not permanently, but to prove how good you are. “Those who collect for customer acquisition, the business concept and the experience and to learn self-expression, qualifies in any case – even if the I-AG failed,” said Lutz. “That’s still better than in the unemployment to remain.”