Want To Start Your Own Business But Are Having Trouble Finding Funding?

Here is an excerpt:


Bad Credit Small Business Startup Loans : Poor Credit Can’t Stop the Entrepreneur in you

If you want to start a small business but are not able to do so due to lack of finances, go for bad credit small business startup loans. With the help of bad credit small business startup loans you can start your own small business. Bad credit small business startup loans are basically of two types secured and unsecured.

ABOUT BAD CREDIT SMALL BUSINESS STARTUP LOANS

Bad credit small business startup loans are for those people who are suffering from bad credit status and want to start their own small business. A person can be tagged as a bad creditor due to various reasons like arrears, defaults, IVA, CCJ, bankruptcy, late payments etc. Bad credit small business startup loans can be availed by all such persons.

Bad credit small business startup loans are basically of two types, secured and unsecured. To avail a secured bad credit small business startup loan you’ll have to place one of your properties as collateral against the loan amount. This can be any of your personal properties like home, car, bank balance or can be your commercial property. On the other hand you don’t have to place any security to avail an unsecured small business startup loan, but the interest rate is slightly higher compared to secured loan. With secured bad credit small business startup loans you can avail a varied amount with repayment duration ranging from 3 – 25 years. While with unsecured bad credit small business startup loans you can avail varying amounts for a period of 1 – 10 years. The interest rate of bad credit small business startup loans is slightly higher because they are advanced to bad creditors, but with good research you can find a lender with reasonable interest rate.

BAD CREDIT SMALL BUSINESS STARTUP LOANS

Bad credit small business startup loans are very beneficial for people who are suffering for bad credit status. With bad credit business startup loans you can start your own business and regain your position in the market. Also by regular payment of loan installments you can increase you credit score.

Bad credit small business startup loans offer flexible repayment options. If you want to avail a small amount you can opt for unsecured bad credit small business loan. On the other hand if you need a bigger amount go for the secured way.



HOW TO APPLY FOR A BAD CREDIT SMALL BUSINESS LOAN

You can apply for bad credit small business startup loans by visiting banks, financial institutions, lending firms personally or you can apply online also. To apply via Internet you just have to fill up an online application form giving details like the loan amount you wan to avail, period of loan etc. Applying online is hassle free, consumes less time and requires less paperwork.

Be Careful When You're At The ATM Machine!

Online there is yet another article warning people to be careful when they are using their ATM cards!

There are scams going on in which someone can find out what your ATM codes are and they can use that of course to withdraw money from your account - be it your credit card account or your bank account!

The article provides many helpful tips and advice on how you can save your ATM information from being stolen!

If you need credit card help there should be a toll-free number provided on your credit card

To read the article, just click here.

Purchase Structured Settlements! One Way To Get Some Quick Cash Is.......

If you are receiving structured settlements either from a lawsuit or some other means you may be able to get some "quick" cash by going to a company that will purchase structured settlements!

How this works is that the company will purchase your structured settlement and pay YOU a lump sum in cash. Companies that purchase structured settlements will purchase your structured settlements so that then they receive your structured settlements and YOU will receive a lump sum payment in exchange for your purchase structured settlement.

You do have to be careful though because there are a lot of places with the advertisement of "we purchase structured settlements" and I have even seen a few commercials on TV from lawyers and law firms saying that they also purchase structured settlements. There are also advertisements both online and off saying "we will purchase your structured settlements for cash!

Some places offer to give you a free quote before you make the decision to let them purchase your structured settlement. Some of these companies will also provide you with information on buying and selling structured settlements at not obligation or cost on your part.

There is even an option of you purchasing structured settlements yourself if you are thinking about investing your money. You pay someone cash for their structured settlement and you in turn receive the installment payments of the structured settlement yourself!

So if you're looking for a way to be able to get cash you may want to look into companies that purchase structured settlements. It is a way for you to be able to get some quick cash!



Keep in mind though that some of these companies that purchase structured settlements intend to profit from their purchase, and sometimes their offers may seem quite low so it is a good thing for you to shop around to get the best (free) quotes available from companies that want to purchase your structured settlements.

Are You Looking For Work?

Did you know that despite the news about there not being enough jobs for people, there are some industries that are begging for qualified workers!

One of the biggest industries that need qualified workers now is the health care industry! There are many job openings for nurses and home health care workers and aides. Also according to my Grant Basics 101 Blog, there are many job openings in our own government. Here is a quote from one of the online articles:

"Many of the positions, which require specific skills and offer salaries in the range of $30,000 to $45,000, have been vacant for six months or longer"

Since workers are needed so badly a hiring incentive program was recently announced to help encourage existing employees to refer viable candidates. Those responsible for bringing in new hires are eligible to receive $2,500 to $5,000, depending on the position. Also added in is a signing bonus for the new employees!

There are several online sites that you can go to that post job openings in your area. You should also look into working for the government as well because they have many job openings and government workers receive good benefits in addition to a highly competitive salary.

As far as other kinds of job openings are concerned here is another excerpt from an online article:

Things are even worse on the higher end of the pay scale. At a wireless leasing firm, a position for director of lead generation, which pays $90,000-$140,000, has been open for three months, with no candidates in sight.

"Confessions Of A Debt Collector"

I found a very interesting article online about what it's like to be a debt collector. A real debt collector was interviewed about the various aspects of her job. While this would probably also be a good blog post for my Working From Home Blog because of a salary that a debt collector can make, it is also quite interesting to see how being a debt collector works.

I had my suspicions that these debt collectors got a commission off of the money that they collected but I didn't know that they had high quotas to fill (according to the online article) It also doesn't surprise me too much to know that some of these debt collectors are quite human in that some of them don't like to be harrassed theirselves or talked to in a negative way. And even sometimes they will speak to people who are in such a dire financial situation that the debt collectors "feel" for them but they still have to do their job. I remember one example from the article mentioned one person saying that they lost their job and that the wife lost the baby that she was carrying but still the debt collector asked "so when can you send in a payment.........".

It also seems that a debt collector's salary averages to about $14 per hour. BUT according to the article they have to make a certain quota or they risk losing their jobs.

The article also gives some advice on what debt collectors can and can not do as far as when they can call you and what they can say. There are also some good insights as to how sometimes the people they call can get the best of them by getting them to go "off script" or just by not co-operating.

A very interesting online article indeed!

Confessions Of A Debt Collector

Avoiding Those Banking Fees - Tips!

I'm a very big fan of Selfgrowth.com and I found this article about tips to help one avoid those high banking fees!

I thought that I knew almost everything about how to avoid high banking fees - you know things like not using ATMs that are from another bank, etc.,....... But after reading the article I found some interesting stuff - especially about overdraft protection!

I always thought that overdraft protection was a good idea BUT I didn't know that there was a charge to have it!

It seems that there is a lot that I don't know!

Personally, I, myself, try to avoid banking fees but I have had them! I do have to make it a personal financial goal to stop incurring those banking fees! I have used other ATM's - mostly because I was in a rush and not able to get to an ATM that was with my own bank - so I used the ATM at the store I was at even though the ATM wasn't with my own bank. There was a charge for using that ATM plus there was a charge from my own bank for using that ATM! It does add up!

I realize that there may be instances where emergencies come up and you have to use an ATM that isn't with your bank but now in today's economy you have to try and save all the "pennies" you can - especially when it comes to those (high) banking fees!

I hope the article provides useful information for you all.

If You Have A Credit Card Then You Shoud DEFINITELY READ This Online Article!

I found this article online and it is about some changes that are going to be happening to credit cards in the near future!

It's bad enough when one has managed to get themselves in to credit card debt and are looking for a way out but now these new changes might be affecting those who are paying their credit card bills on time!

While it has always been suggested that one read the fine print on their credit card applications, not a lot of people do so and they aren't aware of all the charges and fees that they may be subjected to!

There are so many interesting points in this article including information about the fees being charged for credit card cash advances! There are sometimes 2 fees associated with that! Although I'm sure that a lot of people are aware of this anyway because I see so many people at the ATM machines in places like the grocery store and gas stations getting a cash advance and I'm sure that while they may be aware of the fees associated with making such cash advances, I'm sure that they have a very good reason for making such cash withdrawals. They may need the money for some type of financial emergency or something. I believe that there is even one credit card company that is paying some users NOT to use their credit card and to return them!

The article also has some advice for consumers as well.

It is quite a long, interesting and informative article!

Big Credit Card Changes!

Rebates? Question & Answer

excerpt from online news

On June 19 of last year, we purchased several Fisher & Paykel appliances from University Electric in San Jose. At the time, the manufacturer was promoting a rebate on items bought before June 30. Based on our purchases, we qualified for a rebate of $900. However, because the items were not delivered until July 18, we could not submit the rebate forms before the deadline, as they required serial numbers from each model. The rebate administrator told us to contact University Electric and have them apply for the rebate on our behalf. I did so, and was assured we would receive the rebate. I've contacted the manufacturer several times over the last year and was constantly reassured the rebate would come, but it never has. At this point, my calls aren't being returned.

D~
San Jose

A miscommunication caused your rebate to slip through, says Garth Ship, a manager for DCS, parent company of Fisher & Paykel. There was some confusion as to whether the money was sent to you or University Electric, he says, and the closing of the rebate clearinghouse complicated matters.

Regardless, Ship says he cut a check for $900 and sent it to you via overnight courier. You've been given the package tracking number, just in case.

Your experience illustrates why rebates can be so dicey. Even if buyers jump through all the hoops correctly, they're still at the mercy of the fulfillment houses to hold up their end of the bargain. Getting a lower initial purchase price is immediate, and requires far less work.

Advice From Someone Who Is Already Rich!

I am sure that it is a dream of many people to become financially wealthy. Who better to get advice from about how to become wealthy than from someone who is already wealthy - Warren Buffet!

10 Ways To Get Rich!

"25 Ways To Make Quick Cash"

Below you will find a link to an article that lists 25 ways to make some quick money. I thought that most of them were merited and in fact some of the ways listed were quite good!

Here is an excerpt of one way that I want to include on my Grant Basics 101 Blog:

"Seek Emergency Assistance

Many charities provide services and items that you would otherwise spend money on, freeing up some dollars to apply to your most pressing needs. Among the most common of these are food banks and open-dining opportunities, help or waiver of utility costs, and clothing and other household essentials."

25 Ways To Make Quick Money

You REALLY, REALLY Have To Be Careful About The Email That You Get!

I just got finished posting to my Spam Blog about how one has to be careful about the email that one receives.

As things get more and more sophisticated so do too the scams!

Email will come to one's box saying that they are from their banks and they need to "check out" your account information. The email wants you to click on a link that is provided so that you can enter your banking or account information.

Like I said in my Spam Blog - DO NOT CLICK ON THOSE LINKS! Call your bank directly and ask if there is something wrong with your financial account.

While you may be clever enough not to fall for this kind of scam a lot of people do and the live to regret it!

Praying For A Financial Miracle

"Question: I pray for a financial miracle, not in greed but for relief and to help so many others both directly and indirectly in the name of JESUS. I'm tired of poverty and really believe that GOD has provision (lottery jackpot) above and beyond here on earth. I can see a great future and GOD in the blood of JESUS does provide. I am not ashamed for this vision of the future that is prayed for. Is this good?

Answer from Jesus:

I can assure you that both God and myself would like to see the abundant life manifest on Earth. It was never God's intention that so many people should live in abject poverty. On the contrary, it was always God’s intention that everyone should share in the abundant life in a universal brother/sisterhood in which people would recognize the truth in my statement that inasmuch as you have done it unto the least of these my little ones, you have done it unto me.

I am not saying that you should not pray for abundance, both in your personal life and in the lives of others. However, a central theme on this website is that people need to change their attitude towards religion and towards their relationship to God. People need to move out of a passive state of mind in which they expect God to change their situation through some kind of financial miracle. Instead, they need to get into an active state of mind in which they begin to see themselves as Co-creators with God.

If you truly read the Bible, you will see that this idea is already incorporated in the teachings I gave 2,000 years ago. Take for example my parable about the talents. The person who buried his talents in the ground was rebuked by God because he had not fulfilled the essential command given by God to “Multiply and take dominion over the Earth.”

When you are sent into this world, God gives you certain gifts and talents, and it is your responsibility to multiply those talents. When you do, God will multiply your multiplication so that to him that has, more shall be added. If you bury your talents in the ground and passively wait for God to do it all for you, you are simply not fulfilling the covenant that God has offered to man.

So instead of praying for a financial miracle, such as a lottery jackpot, it would be more constructive to pray for God to enlighten you as to how you can play an active part in bringing about this new more abundant future. There are two ways for you to do this, and the first is to change your own state of consciousness. It is a universal law of God that if you want to change your outer situation, you must begin by changing yourself, your state of consciousness.

Begin by leaving behind the consciousness of poverty, which truly springs from a sense of being separated from God, and step up to the abundant consciousness. The abundant consciousness is the Christ consciousness in which you see yourself as a son or daughter of God. You will remember my statement that I am come that all might have life and that they may have it more abundantly. As you will see throughout this website, I came to show all people that they can rise out of the lower state of consciousness, the carnal mind, and attain a higher state of consciousness, namely the Christ consciousness.

The Christ consciousness is truly the abundant life, and when you attain that state of consciousness, when you seek first the kingdom of God, all else, including material abundance, will be added unto you in accordance with God's will and your soul’s plan for this life.

When you begin to attain the abundant consciousness in your own life, you can then work for bringing about the abundant life on a larger scale. I earlier said that it is God’s intention that everyone should share in the abundant life. So you need to consider why we currently have a situation on Earth with such an unequal distribution of wealth that a majority of the world's population live in abject poverty while a small elite live in incredible luxury. You will quickly realize that this is a manipulation of the original plan of God.

If the situation is to change, two things must happen. One is that more abundance must be created, and this can be done by using the laws of God. The best way to use the laws of God is to attain Christ consciousness because then you will be in alignment with those laws. So one viable way to change the current situation on Earth is to attain Christ consciousness and then see how you can help bring about more abundance that you share with others.

source
Ask Real Jesus

For more information about additional sources of money please check out my blog about unclaimed money

The Unclaimed Money Blog

Update!

One of my most favorite pieces of advice is to take something that you love and turn it into a business! Please take a look at my Working From Home blog to get some working from home ideas!

If you are looking for money or some sort of financial help you can take a look at my blog Grant Basics 101 which is my blog about government grants and types of free money that is available out there!

Tax Season Is Here!

With the New Year comes the new tax season. I realize that it is only January but the sooner you face the fact that you have to do your income taxes the better off you will be!

There is the federal income tax, the state income tax and in more local areas (like my own local area I also have what is called an "Earned Income Tax" - yeah it's a bummer but it is a bummer that HAS to be done!

If you are not comfortable with doing your own income tax then by all means hire an income tax preparer to do your income tax. I used to work for both H & R Block and the IRS and believe me if you hire a good income tax preparer then they may be able to help you get a higher tax refund.

Beware Of Credit Scams!

The Basics - 5 credit-fix scams to avoid

Theres no magical way to fix your credit score. Beware fast-talking crooks selling shortcuts.

Thinking of paying someone else to clean up your credit file? Anything they can do, you can do better. And cheaper.

But it takes time and dedication.

If your report contains genuine errors (read: debts that have been on the report beyond the allowable time or debts that really aren't yours, not just debts you wish weren't yours), you can fix that yourself for free. And with a minimum of hassle.

source
Money Central - MSN

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I thought that this was a very good article to point out!

It seems that more and more ways are popping up offering to "help" people with their credit and sometimes people are in such a bad way that they will sometimes let themselves be easily scammed.

So be careful out there!

Paying Your Bills - Loopholes?

".......Well when you do the kind of work that I do you become "privy" to certain types of information. First of all hopefully your bank is one of those banks that can only charge this fee for a certain # of days - like for one bank it's $6 per day for 5 days for a total of $30 and you have 30 days from the overdraft to get your account back above $0


Now like I said above there are just some things that go on as far as one's utility bills are concerned that the utility companies don't want you to know about. Now your case may be too late but for those who have been threatened with a shut off notice there is at least one thing that you can do to delay your shutoff. Mind you I say DELAY - you are still responsible for paying the balance owed but you won't get shut off for at least 3 months. Hopefully that will give you enough time to either find a way to make a payment arrangement, get some money to pay the back balance owed or to find a grant program to help you with the utility bill.


Of course "rich" people use this method and it is one of those "loophole" things that the utility companies are trying to get rid of but until they do this "loophole" sometimes turns out to be a person's last resort. Ironically enough this information comes in the bill for your utility bill but people don't read it (or they don't notice it).

I don't even think that its ethical for the social services agencies to suggest it but its not illegal and like I said before its usually a person's last hope - but at least it does provide them with some (temporary) time.................

What To Do When You Lose Your Job

Here is an article that has very good advice about what it is you should do if you lose your job. More and more this is becoming something that is happening more and more often - people are losing their jobs that they have had for years!

Hopefully this article will help you.