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讓家長(zhǎng)出錢幫你創(chuàng)業(yè)怎么樣
Many parents see business ownership as a better bet for their kids' future than a graduate degree.
在很多父母眼里，對(duì)于孩子的未來而言，擁有一家企業(yè)是比一紙畢業(yè)文憑更好的選擇。
And in this era of renewed interest in entrepreneurship, some parents described it as the opportunity to control their destiny and have a chance at gaining wealth.
在現(xiàn)今這個(gè)對(duì)創(chuàng)業(yè)重燃興趣的時(shí)代，一些家長(zhǎng)稱創(chuàng)業(yè)是一個(gè)把握自己命運(yùn)、致富的機(jī)會(huì)。
Parents often say they would do anything for their child. Setting a child up in business is surely one big test of that bond.
他們?cè)敢鉃樽约旱暮⒆幼鋈魏问�。讓孩子�?jīng)商無疑是對(duì)這種承諾的一大考驗(yàn)。
A lot is at stake: Small-business failures are common, and parents risk losing their entire investment, their life savings, or more. They also risk straining their relationships with young-adult children intent at this stage on independence.
風(fēng)險(xiǎn)有很多：小生意失敗很常見，父母?jìng)兛赡軙?huì)失去全部的投資、一輩子的積蓄，甚至更多。他們還可能會(huì)與現(xiàn)階段打算獨(dú)立的剛成年的孩子變得關(guān)系緊張。
The setups can be stressful for young adults, too. Jon Kelecy's father, a Tampa, Fla., financial executive, set him up recently in a franchise for Fibrenew, a leather- and plastic- restoration business. Jon, 26, of Gainesville, Fla., loves the work and appreciates his dad's support. But he dislikes "being in his pocket," he says, amid all the anxiety of a start-up.
企業(yè)的組織籌劃對(duì)年輕人來說也可能很有壓力。喬恩·凱勒西的父親是一名金融高管，他最近幫兒子開了一家Fibrenew皮革塑料修復(fù)特許加盟店�，F(xiàn)年26歲的喬恩熱愛這份工作，并感激父親對(duì)他的支持。不過他說他不喜歡呆在父親的羽翼下，盡管初創(chuàng)企業(yè)有那么多讓人焦慮的事。
Many parents choose franchises for their kids because they seem to offer marketing, branding and management support.
很多家長(zhǎng)為孩子選擇特許加盟店，因?yàn)榧用说昕磥頃?huì)提供市場(chǎng)推廣、品牌打造和管理方面的支持。
Start-up costs, including leases for space and equipment, range from roughly $5,000 to $10,000 for such low-cost operations as cleaning franchises, to $1 million or more for popular fast-food restaurants. Information on risks and legal pitfalls for franchisees can be found at BlueMauMau.org, an online trade journal.
至于啟動(dòng)成本（包括門臉和設(shè)備的租金），家政保潔等低成本特許加盟店從約5,000美元到一萬美元不等，而頗受歡迎的快餐店則要100萬美元甚至更高。有關(guān)加盟商風(fēng)險(xiǎn)和法律隱患的信息可以在在線行業(yè)雜志BlueMauMau.org上找到。
Howard Bundy, a Kirkland, Wash., lawyer who represents franchisees and franchisors, says parents considering such a venture need an attorney experienced in representing franchisees, and both an accountant and an experienced business mentor familiar with both franchising and the target industry.
華盛頓州律師霍華德·邦迪代表加盟商和特許商。他說，考慮特許加盟店的家長(zhǎng)需要一位在代表加盟商方面經(jīng)驗(yàn)豐富的律師，以及對(duì)特許加盟業(yè)務(wù)和目標(biāo)行業(yè)都非常熟悉的會(huì)計(jì)師和經(jīng)驗(yàn)老道的商業(yè)導(dǎo)師。
Mr. Bundy also warns that parents run a high risk of losing their investment. One mother lost $250,000 when a fast-food franchise she purchased for her son failed, Mr. Bundy says. In another case, parents lost $350,000 on a coffee-shop business they financed for their daughter.
邦迪還告誡說，家長(zhǎng)有很大的風(fēng)險(xiǎn)失去自己的投資。邦迪說，有位母親給兒子買了一家快餐特許加盟店，小店破產(chǎn)后，損失了25萬美元。還有一個(gè)例子，一對(duì)家長(zhǎng)為女兒買了一家咖啡店，結(jié)果損失了35萬美元。
For some parents, the potential rewards seem worth the risk. "As a parent, the best gift you can ever receive is to see your children happy and successful," and equipped to make a living, Marvin Himel says.
對(duì)一些家長(zhǎng)來說，潛在的回報(bào)看起來值得冒這些風(fēng)險(xiǎn)。馬文·希墨爾說，作為一名家長(zhǎng)，你能收到的最好禮物就是看著自己的孩子快樂成功，有謀生的能力。
A few viewed it as a gift. Some structured it as a loan and deferred repayment. Others took stock in the business, with an agreement that their child would use future earnings to buy it back.
一些人把投資看作是一份禮物。一些人把它作為一筆貸款和延期還款。還有人在企業(yè)中入股，同時(shí)簽訂協(xié)議規(guī)定他們的孩子會(huì)用未來的收益回購(gòu)股份。
Some parents look farther ahead, hoping their child's business will support them in retirement. After supporting his own father in old age with proceeds from his Canton, Ohio, restaurant, Walther's Cafe, Mr. Walther says he hopes his daughter will do the same for him.
有些家長(zhǎng)則更進(jìn)一步，希望孩子的生意能讓自己退休后有所依靠。沃瑟用從自己的飯館Walther's Cafe獲得的收入幫助父親安度了晚年。他說，他希望女兒也能這樣對(duì)他。
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