Monthly Archives: July 2017

Car Insurance Comparison Rates #automobile #insurance, #discount, #budget, #quotes, #insuracne, #speeding #ticket,

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Florida DMV Online Guide

Car Insurance Comparisons

Comparing Car Insurance Rates

Car insurance is one of those things you can either pay too much for. You can also save a lot if you shop around. We recently switched car insurance on two of our company vehicles from one provider and saved over $1000 a year for the same coverage. We will call them the gecko and the good hands people. And now we actually have an insurance agent. Someone who knows our name when we call.

The good news is that you can Shop and Compare multiple Car Insurance quotes for free. Several online services let you enter your information and they get you a car insurance comparison with rates from several auto insurance companies. Beyond using the internet to get your car insurance coverage and save money here are a few more tips to saving.

Your Credit

Some auto insurance companies will check your credit before they give you car insurance rates. Check the car insurance application so you know if a credit check will be done. If you have good credit then make sure the car insurance rate you get takes your credit score into account. If you do not have good credit then look around for an insurance company that does not check credit scores.

Your Driving Record

It’s a good idea to know your driving record before you apply for new car insurance. When you submit your application the insurance company will get a copy of your driving record. Any tickets or accidents may affect the rate you are quoted. It’s easy to get a copy of your driving record online instantly.

Family Considerations

If you are getting an insurance comparison rate for a family including teen drivers the number of cars you have will dramatically affect your rate. If you have a car for each driver including the teen driver it will cost dramatically more than if you have two drivers sharing a car.

The Car You Drive

A significant factor when calculating the cost of your auto insurance will be the car or cars that you want to insure. Typically the more expensive the car the more the insurance will cost. And cars that are considered sports cars will typically cost more.

Shop Around for a Good Car Insurance Comparison Rate

The best way to save on your auto insurance is to shop around. Below are resources that will make it quick and easy for you to compare insurance rates from several providers.

Get Free Can Insurance Quotes and you could save hundreds on your car insurance.

DMVFlorida.org is an independent organization not affiliated with the state of Florida. the Florida DMV, the Department of Motor Vehicles, or DHSMV
Copyright DMVFlorida.org, all rights reserved



Another investment to avoid like the plague – CBS News #factoring #company

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Another investment to avoid like the plague

Flickr user Tracy O

(MoneyWatch) As director of research for BAM Advisor Services — an alliance of about 130 like-minded Registered Investment Advisor firms — I’m asked to evaluate a never-ending stream of products from investment firms. Virtually all of these investments effectively amount to schemes to transfer assets from investors to purveyors.

The latest “investment opportunity” I was asked to review came from a hedge fund. The firm was creating a vehicle that would basically be a “factoring ” operation.

In a typical factoring arrangement, a business makes a sale and generates an account receivable. The so-called factor buys the right to collect on that invoice by agreeing to pay the seller the invoice’s face value, less a fee. Because factors extend credit not to their clients but rather to their clients’ customers, they’re concerned about the credit risk of the business that must pay off the account receivable. That means a company with creditworthy customers may be able to finance itself by factoring, even if it can’t qualify for a loan because of its poor credit rating.

The investment I evaluated was in the form of an interest in a limited partnership in a receivables fund, with the receivables being generated from factoring. What is important to understand is that factoring isn’t a high-return business. Yet the confidential memorandum I reviewed showed a 10 percent return target for the investment, a target that which would be achieved after subtracting the fund’s fees, which were 2 percent of assets and 20 percent of the profits. The memorandum also noted that principal protection was hedge fund’s top priority.

The notes in the memorandum indicated that the receivables fund would purchase assets, with the debtor typically being a Fortune 500 company. The fund would then earn a fee of 1-3 percent in return for accepting the credit risk. The cycle would be 30-45 days. A 1 percent fee with a 30-45 day cycle would be the equivalent of borrowing costs of about 8 percent to 12 percent.

That’s a problem. The reason is that a small company selling to investment-grade customers typically won’t factor their receivables. Instead, they’ll get a line of credit from a bank, secured by the receivables, at a lower cost. In other words, the proposed 1-3 percent fees are too steep, at least for that type of credit quality.

Here’s another thought. Given today’s interest rates, I doubt that any of the Fortune 500 firms have borrowing costs anywhere near 8 percent to 12 percent. Which means the firm selling the receivable could instead finance itself cheaper by simply offering their client better terms to pay off the account receivable earlier. For the investment-grade credit, that would be a great use of their capital. And that’s using just a 1 percent fee. Fees that are any higher make the proposition even more dubious. Are we to believe that the companies selling their receivables haven’t thought of this idea?

The bottom line is that it doesn’t seem likely that the limited partner could generate the quality of loans they described. The factoring business simply doesn’t generate those kinds of returns with that quality of account receivables.

Perhaps the returns would be achieved by using leverage. If that’s the case, then the LP doesn’t deserve a 2/20 fee, as the investors are taking the risks of leverage. The investors can simply leverage themselves at much lower costs. Why pay 2/20 just for leverage? The other possibility is that the LP will be taking on more credit risk.

The most basic tenet of finance centers on the relationship between risk and expected return. Only a fool would fall for the idea that one could expect a 10 percent return, while also having principal protection as the main objective. You can’t mix credit risk and/or leverage with principal protection being the main objective. And if the returns are to be achieved by taking credit risk, there’s a big problem.

Of the three executives listed at the hedge fund, two were sales and marketing people, and the third had a grand total of six years of credit experience. That’s a rookie in that field. You need very strong credit skills to be in the factoring business, which is typically done by buying receivables from weaker credits. CIT Group (CIT ), a major factoring firm, is in that business, and investors don’t have to pay 2/20 to invest in the company. (And an investment in CIT has not been a particularly good one, either.)

Unfortunately, we’re not done. The memorandum also noted that in addition to the 10 percent expected return, investors would benefit from owning a non-correlating asset. If the credits aren’t investment grade, then the correlation of the returns will increase to high levels.

One of Swedroe’s laws of prudent investing is that if something offers a high yield, there’s risk there, even if you can’t identify the risk. Issuers simply don’t offer you such attractive propositions. If such propositions actually existed, they would keep them to themselves, not offer them to you.

Photo courtesy of Flickr user Tracy O

2012 CBS Interactive Inc. All Rights Reserved.

Larry Swedroe is director of research for The BAM Alliance. He has authored or co-authored 13 books, including his most recent, Think, Act, and Invest Like Warren Buffett. His opinions and comments expressed on this site are his own and may not accurately reflect those of the firm.



Car Insurance Comparison #compare #insurance #companies, #car #insurance #comparison


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Car insurance comparison: How it works

You may be leaving hundreds, even thousands, of dollars on the table if you don t regularly compare car insurance rates. Many factors affect your car insurance rates, and if any of them changed, it s possible that the cheapest policy will come from a different insurer.

You should compare car insurance rates at these times, when your rates are likely to change significantly:

  • You bought a car
  • You added a teen driver to your policy
  • You got married or divorced
  • Your credit score changed
  • You bought a house or moved
  • You got cited for a DUI or major violation or caused an accident

Even if your status remains the same, you should do some car insurance shopping every six or 12 months. Insurance companies use different formulas to set your rates, so the price for the same policy can vary significantly even if you don t have a life-changing event. That means you can wind up overpaying if you don t compare insurance rates from several companies at least once a year.

Start now by finding car insurance companies in your area

Save by comparing car insurance rates

The chart below shows the highest and lowest rates from six insurers for each location. You ll see that savings of over 50 percent can be had from doing an auto insurance quotes comparison:

* Averages are based on insurance for a single 40-year-old male who commutes 12 miles to work each day, with policy limits of 100/300/50 ($100,000 for injury liability for one person, $300,000 for all injuries and $50,000 for property damage in an accident) and a $500 deductible on collision and comprehensive coverage. Data for CarInsurance.com provided by Quadrant Information Services.

Now that you re ready to save, we ll walk you through the process of reviewing your coverage, gathering the personal information you ll need, comparing rates and vetting potential insurers.

Five steps to take when car insurance shopping:

1. Get an idea of what you can expect to pay.

If you ve moved or if you just want to get a feel for what car insurance costs in your neighborhood or are a new driver, you can get an idea of what people in your area are paying by using our car insurance comparison tool, showing the average car insurance rate in each ZIP code.

See rates by ZIP code

2. Review your existing policy and assess coverage.

While you shop around for the price and insurance company that is right for you, you should know what coverages are right for you too. If this is a new policy you need to meet at least your state’s minimum liability car insurance requirements. If you simply want to find the cheapest car insurance possible when comparison shopping, you would look for liability coverage only, and in the smallest amount your state will accept. (Legally required minimum liability coverage amounts vary by state.) Bear in mind that some states require so little coverage that an accident might leave any other assets you have, such as a home or savings, vulnerable to lawsuits.

If you re replacing a policy, review the information on your policy to see if your existing coverage is still the best for you.

The four main types of car insurance you should understand are:

  • Liability car insurance Covers others property damage and medical expenses. If you have few assets, you don t need high limits. If you own a home or have savings, you do — 100/300/30 is recommended. That means $100,000 per person, up to $300,000 an accident and $30,000 for property damage costs.
  • Uninsured motorist coverage Comes in two forms: uninsured motorist bodily injury pays for medical bills if you re injured in an accident that an uninsured driver causes. Uninsured property damage pays to fix your car. Some states require these coverages, but if yours doesn t, ask yourself if you would have the money to pay for damages yourself should you be hit or injured by a driver without car insurance.
  • Collision coverage Covers damage to your car. This pays out only up to the actual cash value of your car. If your vehicle is old, you may not need this optional protection.
  • Comprehensive insurance Covers theft and damage to your car from hail, floods, fire, vandalism and animal strikes. Like collision coverage, this will pay you up to the amount your car is valued by the insurance company. If you drive a beater, you may not need the extra coverage.

Comprehensive and collision coverage are typically not budget-busters. A comprehensive car insurance comparison analysis by the Insurance Information Institute shows the national average cost per year is $139. For collision, it s $297.

Also, decide now what deductible makes sense for your situation. One of the best ways to save on car insurance is to raise your deductible for collision and comprehensive insurance, but remember that if you have a claim, that deductible will be your out-of-pocket expense to repair or replace your car. If you have more than one claim, you’ll have to pay the deductible each time. We recommend you choose an amount that you can pay from savings. Your car won t be repaired until you pay your share.

3. Gather your personal information.

If you compare car insurance rates online, it s easier to compare quotes side-by-side, which saves you from having to repeatedly give out the same information and write down quotes on your own. Once you know what coverage you need, gather the following information to request a car insurance quote.

  • Name, birth date and driver’s license number of all drivers to be covered.
  • Make and model of each car to be covered.
  • Driving history, including accidents and driving violations, of all drivers to be covered by the policy.

4. Start comparing multiple auto insurance quotes.

Now you can begin collecting online car insurance quotes. Request rates from at least three different insurers. Be careful to compare the same coverage by using the same liability limits, identical deductibles and optional coverages.

Also be sure to follow up with potential insurers about any car insurance discounts you may qualify for. There may be additional discounts offered that are not part of the online quote process. For instance, you may be asked how many miles you drive a year to see if you re eligible for a low-mileage discount, but you may not be asked what your teen driver s grades are, which could snag you a good-student discount.

Now that you know what coverages and limits you need,start now by finding car insurance companies in your area.

5. Research potential car insurance companies before you buy.

When you re ready to buy, research the insurers that offered you the lowest rate. The National Association of Insurance Commissioners (NAIC) recommends that when you compare insurance companies you take the following steps:

  • Check with an insurance rating service, such as A.M. Best or Standard Poor’s, to find a grade or rating for the company and an analysis of its finances so you can feel confident that a potential insurance claim will be paid.
  • Check for complaints against the company with NAIC’s Consumer Information Source.
  • You can also research complaint rates online at the Better Business Bureau and your state insurance department’s websites.
  • Read the customer comments at the insurer s Facebook and Twitter accounts to see if people are generally happy with the service.


Career Development #college #and #career #fair


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Career Development

Career Planning is a lifelong process of defining and working to achieve career goals.

The Center for Career Development at Washington College is here to help you with all aspects of this process including self-assessment, career exploration, career experience and job search or graduate school planning.

Hot Jobs

Hurricane Junior Golf Tour

Delaware State Police

The Center for Career Development Offers:
  • Resume assistance
  • Employer site visits and interviews
  • Workshops, programs, and activities
  • GRE/LSAT/MCAT preparation and testing through Kaplan
  • Individual career consultation with a career counselor.
  • Career Fair visits and our own Career, Graduate Professional School Fair
  • Mock interview program
  • Washington College to Wall Street Program other Professional Programs
  • Lifetime service to alumni

Stories News

Global Education Office assistant Hao John Zhang 17 was named the 2017 Student Employee of the Year.

  • When a dream internship turns into a dream job, everybody wins. When Lauren Bacharach 16 traveled to North Carolina for her summer internship after graduating from WC in May, she had no idea what opportunity would surface next.

  • For Julia Bresnan 17, the result of the environmental policies she studies in class really became tangible when she attended the dedication of the Tall Pines Preserve, a brand new state park in New Jersey.

    Kent County and Washington College have partnered on an initiative designed to bring both students and the local community together, called Innovative Internships.

  • Students and local entrepreneurs will have a chance to pitch their ideas on the STRT1UP Road Show bus, which kicks off its annual Maryland tour on Sept. 10 in Martha Washington Square.

  • Madeline Poethke 16 is spending a summer in the stunning landscape of Oregon, training in the kind of science that leads to environmental change.



  • Alabama Dual Diagnosis Directory – 35 Dual Diagnosis Treatment Programs in AL

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    Treatment Services

    Insurance Directory

    Community Services

    Last 10 Phone Numbers Requested

    35 Dual Diagnosis Treatment Centers AL

    Dual Diagnosis Programs in Alabama – Dual Diagnosis Disorder Treatment and Residential short-term sober living drug treatment (30 days or less), Residential long-term drug rehab treatment sober living (more than 30 days), Outpatient drug rehab, Partial hospitalization drug program/substance abuse day treatment for Co-Occurring Disorder.

    Dual Diagnosis Programs in Alabama – Dual Diagnosis Disorder Treatment and Residential short term drug rehab program sober living (30 days or less), Residential long term drug rehab treatment sober living (more than 30 days), Outpatient drug rehab, Partial hospitalization drug rehab/Substance abuse day treatment for Co-Occurring Disorder.

    Dual Diagnosis Programs in Alabama – Dual Diagnosis Disorder Treatment and Hospital inpatient drug program, Residential short term sober living (30 days or less), Residential long term sober living (more than 30 days), Outpatient drug rehab, Partial hospitalization drug treatment, Substance abuse day treatment for Co-Occurring Disorder.

    Dual Diagnosis Programs in Alabama – Dual Diagnosis Disorder Treatment and Residential short term drug rehab program sober living (30 days or less), Residential long term drug rehab treatment sober living (more than 30 days), Outpatient drug rehab, Partial hospitalization drug rehab/Substance abuse day treatment for Co-Occurring Disorder.

    Dual Diagnosis Programs in Alabama – Dual Diagnosis Disorder Treatment and Residential short term drug rehab program sober living (30 days or less), Residential long term drug rehab treatment sober living (more than 30 days), Outpatient drug rehab, Partial hospitalization drug treatment, Substance abuse day treatment for Co-Occurring Disorder.

    Dual Diagnosis Programs in Alabama – Dual Diagnosis Disorder Treatment and Hospital inpatient drug program, Residential short term sober living (30 days or less), Residential long term sober living (more than 30 days), Outpatient drug rehab, Partial hospitalization drug treatment, Substance abuse day treatment for Co-Occurring Disorder.

    Dual Diagnosis Programs in Alabama – Dual Diagnosis Disorder Treatment and Hospital inpatient drug program, Residential short term sober living (30 days or less), Residential long term sober living (more than 30 days), Outpatient drug rehab, Partial hospitalization drug treatment, Substance abuse day treatment for Co-Occurring Disorder.



    Business Plan Writers, Business Plan Consultant #small #business #investment #company


    #business plan writers

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    A Business Plan Company You Can Trust!

    Wise Business PlansTM is dedicated to making the most of your business planning needs. We specialize in professional business plans written by accomplished MBA writers. Our mission is to write customized business plans at an affordable price. Business plans are being required for bank loans, investors, grants, venture capitalists, and even leasing office spaces. Our clients no longer have to worry about the complexities of becoming an expert business plan writer. Our MBA qualified writers take an entrepreneur s ideas and goals and put them into a tangible format that banking institutions and investors require.

    Professional MBA writers

    Our MBA writing staff allows us to match writers up with virtually any type of assignment or discipline.

    Business Plan Funding

    Our business plans have helped raise millions of dollars in funding for entrepreneurs across the globe.

    Investor Grade Business Plan

    Raising funds to support a business vision is one of the first and most daunting hurdles entrepreneurs face as they look to build a company. A Wise custom-crafted Investor Business Plan is tailor-made to showcase your startup or expansion concept as you work to acquire funding from investors. If you re looking to raise capital through venture capitalists (VCs), angel investors or private investors .

    Bank Compliant Business Plan

    The Small Business Administration (SBA) describes a business plan as a living document that serves as an essential roadmap to success. At Wise, we believe that to be true, and we ve seen, over and over, the difference a well-crafted SBA business plan can make. Writing and designing a plan to help our clients secure bank funding arguably one of the hardest parts of being a business owner is something we re committed to

    Franchise Business Plan

    Becoming a franchisee is a little like getting into a good college: You have to prove that admitting you into the brand family will benefit the company and that you will be an asset to not only its financial operations but its good reputation. A good franchise business plan demonstrates that you have an understanding of the corporate culture the franchiser has worked so hard to create.

    Nonprofit 501 (c)(3) Business Plan

    Nonprofits face unique challenges as they look to not just get funded but meet their objectives and serve those they are hoping to benefit. Building a strong nonprofit requires not only careful market research on many levels, including a deep understanding of both the client base and potential sources of continuing cash flow, but a long-term outline for achieving success.

    L-1 Intracompany Transferee Business Plan

    An Intracompany Transferee (L1) Visa allows your company to bring management talent from an affiliated foreign office to your U.S. facility, or to bring in management to create a U.S. branch.

    E-2 Treaty Trader Business Plan

    Obtaining an (E2) Treaty Investor Visa requires carefully presenting the facts about you and your business to USCIS in a clearly written, easy-to-follow business plan. Your plan should provide solid financial projections and clearly emphasize your qualifications.

    EB-5 Immigrant Investor Business Plan

    Drawing or bringing talent and needed services to the United States from around the world not only helps individual business owners but also bolsters the world economy. But the red-tape involved and the unique business challenges of such a venture can be daunting. Deciphering the different business-related visas is in itself an overwhelming task.

    Pitch Deck

    A custom written business proposal is written to pitch your product or services.

    PowerPoint Presentation

    Yours is the voice that speaks your business vision to the world. The way you present that vision how you describe it, the images you use to illustrate it is crucial to making the right kind of impression on important individuals like investors or potential clients. At Wise, we know a little something about sharing a vision. We ve lived and breathed the concepts and concerns of our clients for years.

    Learn more about Wise Business Plans™

    Wise Business Plans™ specializes in creating professionally written business plans for small business owners. Your business plan is custom written by accomplished MBA writers, researchers, and financial modelers, and graphically designed by experts. Whether you are just starting out, applying for a business loan, seeking funding from investors, or leasing a new location… let Wise Business Plans™ help create a roadmap for your success.

    Don t just take our word for it, see what others are saying.

    I would like to thank the folks at Wise Business Plans. I have spent a great deal of time searching for the right company to work with. I am very happy with the end result and will be recommending my colleges in the future. Much thanks and appreciation.

    I wanted to say THANK YOU again for the hard word that you all put into my plan. It was certainly money well spent and I have already recommended your service to others. I have received funding for my business and I owe so much to you all for what you have done. The plan is amazing and I am forever grateful. Your customer service is impeccable and you always made me feel like a valued customer. I look forward to doing business with you in the future.

    In a society where service is lacking, Wise Business Plans delivers. It was a pleasant surprise to work with an online company that takes customer service seriously. Your representatives were always there to answer my questions and take time to explain the process. Each deadline was always met on time. Thank you for expertise and professionalism.

    It s unwise to pay too much, but it s worse to pay too little. When you pay too much, you lose a little money — that is all. When you pay too little, you sometimes lose everything, because the thing you bought was incapable of doing the thing it was bought to do. The common law of business balance prohibits paying a little and getting a lot — it can t be done. If you deal with the lowest bidder, it is well to add something for the risk you run, and if you do that you will have enough to pay for something better.
    John Ruskin 1810-1900



    Business Current Accounts #business #research


    #business account

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    Current Accounts

    Best Business Current Account Provider

    Taking care of business customers is a priority for us. We’ve been awarded Best Business Current Account Provider by Moneyfacts for the last 14 years and we’re committed to working even harder to make our award-winning accounts even better. So if you’re a small to medium sized start-up or established business with up to two directors, owners (shareholders) or partners, we’ve got a business current account for you.

    Start-up Business Current Account




    Business To Business Leads #small #business #development #center


    #business leads

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    Business To Business Leads

    WATCH A SHORT DEMO

    Every business knows that more leads are the way to more sales, but do you have a process in place to manage them? About 45% of business-to-business leads, those that have inquired about a product or service, end up buying. Also business-to-consumer leads tend to close at a higher percentage: typically, 55 to 60%. How many of your leads are closing, and what are you doing to increase those percentages?

    To enhance lead generation and achieve a considerable number of quality leads for your business, follow these 5 steps:

    1. Capture Today’s marketers should focus on ensuring a higher rate of sales-ready B2B leads through strategic lead generation. This requires a connection between your B2B blog, download of a whitepaper or conversation on a social channel. Irrespective of the type of channel, it is important to capture and nurture the lead

    2. Nurture The leads that are not ready for handing over to sales, need to be nurtured appropriately. Many of them may be in the research stage, so sending emails, offers, and targeted content could help educate about statistics, so that it moves forward in the sales cycle.

    3. Score Successful B2B lead generation involves generation of quality leads. Lead scoring is a good way to segment leads for better lead management. You can assign a score to the lead based on estimated time to close, probability of sale, estimated size of scale, and sales readiness. Assigning a score depends on demographics, lead source information, and others. Leads that are assigned ‘sales-ready’ score are passed onto sales.

    4. Give When passing on a B2B lead to sales, you need to provide complete information about the lead that will help the sales team close the sale. Useful information like the marketing activities the prospect has shown interest in and the likely product the prospect might purchase.

    5. Evaluate A successful lead generation process needs to evaluate B2B leads with the sales team and refine the lead scoring conditions. Through continuous evaluation, you can adapt your campaigns to the changing needs of current business conditions. This ensures that leads don’t close are not sent back to marketing for nurturing.

    Ready to Talk?



    5 Summer Business Ideas for Kids: PowerHomeBiz Blog #business #tips


    #business ideas for kids

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    It is summer time and the kids are out of school. One way to preoccupy them during the warm summer months is to introduce them to the joys of entrepreneurship.

    One way to make this summer memorable for them is to help them start a business – one that they enjoy and are passionate about. A summer business venture can teach them the basics of business. They get to have a taste of becoming a business owner. It will be a great exercise to expose them to the value of hard work and dedication. They’ll also start learning about money, even the concept of cash flow. Plus, it will help them take pride in their creations and work.

    Here are some summer business ideas for kids:

    With your help, your child can create an online store and start selling on the Web. The key is choosing the right items to sell, preferably products that resonate with them. One option is to choose items that they think will resonate with other kids in their age group. Read the story of Hannah Altman: A 10-Year Old CEO’s Success with Pencil Toppers .

    An easier way will be to become an affiliate for other companies. This will allow the kid to earn commission from the sale, without spending money for inventory. This is the business model followed by the 15-year old entrepreneur Lachy Groom with his iPadCaseFinder.com website.

    Cool Zips products from 10-year old entrepreneur Hannah Altman

    The neighborhood lemonade stand is the most common business for kids in the summer. It is a fun, easy business for kids.

    Easy to setup, your child needs to make a refreshing pitcher of lemonade (may need the help of adults) and sell it by the cup. The key is to find a high traffic area to set up the stand. The stand can be a simple table with chairs for the kids (umbrella preferred) or more complex with a wooden stand. The price of a lemonade cup can be anywhere from $0.25 to even a dollar, depending on how hot is it that day. However, check with your local county if there are any restrictions or tax implications for a seemingly simple business like a kid’s lemonade stand (the last thing you want is for your kid to be slapped with a fine for operating a business without a license.)

    3. Pet sitting business.

    During summer, some people go off on vacations but choose to leave their pets behind. If your kid loves pets and is capable of taking care of pets, one option is to start a pet sitting business. Your kid can take the dog for a walk, feed the cat or birds, and just make sure that the pets are being taken care of. For ideas, read the article “How to Develop a Pet Sitting Brand” .

    If your kid is adept in creating and editing videos, your child can use the skill to make money. Your kid can make short videos and upload them to the massively popular Youtube. If the videos are able to attract a sizeable audience, your kid can join the Youtube Partner Program http://www.youtube.com/partners and start earning from the videos through advertising. Read the article “8 Ways to Earn Money from Online Videos” .

    5. T-Shirt Design Business.

    If your kid is pretty crafty and artistic, one option is to start designing t-shirts. Your kid can make it as colorful as he/she wants, even full of wacky design ideas. The key is to highlight that these are unique and one-of-a-kind t-shirts. You can then sell them online such as eBay or the handmade auction site Etsy.com. Another way is to approach a small boutique owner in your area and check if they would be interested in selling your kid’s t-shirts.

    For any of the above business ideas, parental guidance is important (even necessary). Think of this time as a way you can bond even more with your kids. And have fun while doing it!



    SBA Loans #veteran #business #loans


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    If you’re planning to start a business or expand an existing business, you might need financing help. SBA participates in a number of loan programs designed for business owners who may have trouble qualifying for a traditional bank loan.

    To start the process, you should visit a local bank or lending institution that participates in SBA programs. SBA loan applications are structured to meet SBA requirements, so that the loan is eligible for an SBA guarantee. This guarantee represents the portion of the loan that SBA will repay to the lender if you default on your loan payments.

    The SBA Loan Application Checklist provides a listing of forms and documents you and your lender will need to create a loan package to submit to SBA.

    The following are direct links to information about commonly requested SBA programs:

    Starting and Expanding Businesses

    Gives 7(a) loans to eligible borrowers for starting, acquiring and expanding a small business. This type of loan is the most basic and the most used within SBA’s business loan programs. Borrowers must apply through a participating lender institution.

    Provides growing businesses with long-term, fixed-rate financing for major fixed assets, such as land and buildings.

    Offers very small loans to start-up, newly established or growing small business concerns. SBA makes funds available to nonprofit community based lenders which, in turn, make loans to eligible borrowers in amounts up to a maximum of $50,000. Applications are submitted to the local intermediary and all credit decisions are made on the local level.

    Disaster Loans

    Provide financial assistance to victims of disasters or to individuals in a declared disaster area. You may be eligible for this type of loan even if you don’t own a business.

    Assist small businesses, small agricultural cooperatives and nonprofit organizations as they recover from economic losses resulting from physical disaster or an agricultural production disaster.

    Export Assistance Loans

    Provide exporters and lenders with a streamlined method of obtaining financing for loans and lines of credit up to $500,000. Lenders use their own credit decision process and loan documentation; exporters get access to their funds faster. SBA provides an expedited eligibility review with a response in less than 24 hours.

    Offers loans targeted at businesses that are able to generate export sales but need additional working capital to support these opportunities.

    Gives term loans that are designed for businesses that plan to start/continue exporting or those that that have been adversely affected by competition from imports. The proceeds of the loan must enable the borrower to be in a better position to compete.

    Veteran and Military Community Loans

    Offers funds to eligible small businesses to meet ordinary and necessary operating expenses that could have been met, but are unable to meet, because an essential employee was “called-up” to active duty in their role as a military reservist.

    Special Purpose Loans

    Help small businesses meet their short-term and cyclical working-capital needs through the SBA umbrella program called CAPLines.

    Provides financing to eligible small businesses for the planning, design or installation of a pollution control facility.

    CAIP is a program established to assist U.S. companies that are doing business in areas of the country that have been negatively affected by the North American Free Trade Agreement (NAFTA ). To be eligible, a business must reside in a county noted as being negatively affected by NAFTA, based on job losses and the unemployment rate of the county.