The number 1 objection I hear from real estate agents when the subject of doing a lease option or rent-to-own is broached is "How do I get paid?" Sometimes the agent will be concerned about how they get paid but don't want to flat out ask it. So instead they'll say things like "Lease Options are too risky! You(home seller or home buyer) don't want to do that." This sounds a whole lot better than, "I don't want to do a lease option sale because...more
A frustrating situation that bankruptcy attorneys are often faced with is meeting clients who have drained their retirements in an effort to avoid bankruptcy, only to end up filing anyway. In a bankruptcy situation, funds in a qualified retirement account are exempt to over $1 million dollars - a limit not generally approached by most debtors.People sometimes use loans and disbursements as a band-aid for their financial troubles. If this approach...more
The skill in being able to manage could be a profitable secondary asset for any qualified employee or staff with any specific training in a certain area. Actually, the duties and responsibilities of the senior management personnel in any organization may vary from one industry to another. For instance, the role of being an office manager varies a lot between the cookware manufacture production office and the software sector. In the software companies or Information Technology sector, the office manager needs to coordinate with the auditors of the company to meet the deadlines for payment of salaries, getting work done in an efficient and productive manner, taxes for local government, and above all, for the maximum use of the manpower in a highly productive manner. So the office manager is really supposed to have a total and complete knowledge and understanding on the tasks and functions of their entire organization. Those interested in coveting the position of a manager in a specific industry must possess suitable qualifications for getting better (and higher) pay. For example, it is better suited for an office manager to have a degree in pharmacy in order to supervise the...more
Credit is becoming a necessity these days. Even if you can afford to pay for all your purchases in cash you wouldnt be very comfortable walking around knowing that you have a large amount of cash with you. Credit cards can easily solve your dilemma and also makes it easy for you to track all your expenses. There are also rewards that you can earn...more
For many people the thought of using an online e-currency can be a scary thing. We have all heard the horror stories of people being scammed and money being stolen by dishonest companies, but there are some companies out there that have worked hard to build up a good reputation for being honest and do what they can to fight frauds and scams that...more
Over the last five years approximately 600,000 entrepreneurs pitched first tier venture capital firms in North America and about 15,000 received funding. Your chances of getting funded are 2.5%. This is a fact. Many of those that were funded became quite wealthy and many more failed. Venture capital firms are looking for home runs not base hits.To begin, lets say youre having difficulties raising capital for one of a multitude of reasons. You lack an experienced management team with a track record of prior success, your product is still in development, the service youve created hasnt been market tested and you still havent refined the sales process. Or, your company may simply not be a VC deal or a home run, that is, something that will go public or be acquired for a bazillion dollars. Finally, your organization may be a non-profit with a cause like the environment or autism. Does this mean you should give up? Not at all.I could build a case that too much money is worse than too little for most organizations, not that I wouldnt want to buy a NBA franchise one day to emulate Mark Cuban. Until that day comes, the key to success is bootstrapping. Bootstrapping...more
The recent economic crunch has forced thousands of small business enterprises to close down, leaving millions of people without jobs, and thus a way of supporting themselves. If you, like many of those people, are feeling the pressure of the changing...more
I received an email last Friday from pennypic.com, the free penny stock newsletter I subscribe to. I was quite excited too because they kindly told me to enjoy and relax on you're (sic) long weekend, because we have a major MONSTER announcement...more
Enormous efforts and dollars are spent in production operations reacting to, containing, and solving problems. However, considerably more effort is needed in product design and manufacturing to prevent product failures, scrap, and other...more
Personal loans are usually a small loan for personal uses such as for buying a car, paying for a wedding or party, paying back anther loan, buying a new appliance and furniture, taking a trip, or paying for any other smaller payments. It usually has...more
Rules on foreclosures vary from one state to another but the processes and transactions are basically the same. The process of foreclosure begins whenever homeowners fail to make payments on their mortgages. Once this happens, the bank informs the...more
Businesses will need to borrow a loan during certain periods for its life span, such as to purchase new equipments, expand the operation, to repay another loan, or to acquire another business. To acquire a loan, you usually will go to a bank or loan...more