This special report was created at the urging of many of my clients and students. Apparently there is a myth that as a Realtor you must do everything yourself. Too often there are articles written touting the super strength of a Realtor who is being featured. He/she is bragging that the customer can always feel confident knowing that he/she is doing it all. I honestly feel bad for this person however heroic or honorable their intentions are....more
In these changing political times, for those seeking secure locations for offshore protection of assets, Panama remains a top choice.In a letter to the OECD after the London G-20 meeting at which Panama arbitrarily, (along with Switzerland and a number of other respected offshore financial centers), was placed on a less than black list (the Grey List), President Martin Torrijos Minister of Commerce and Industry, made clear that his...more
The SBA or Small Business Administration loan is a significant source of financing for small businesses. Typically, SBA loans are used to finance plant construction or expansion, to purchase equipment, and to provide working capital. Under the SBA Guaranty Loan Program, loans to entrepreneurs from private lenders, usually banks, are guaranteed for 80% of loans up to $100,000 and 75% for loans over $100,000. Working capital loans generally have maturities of five to seven years. Longer maturities are used to finance fixed assets, such as land and buildings. Lenders apply directly for SBA loans for their customers. Essentially, you are a customer of the bank, and the bank is a customer of the SBA. You will not deal directly with the SBA but will work through your lending officer.If the bank feels that you are a creditworthy customer and is willing to apply for the SBA loan, which greatly minimizes its risk, it will prepare a loan package to submit to the SBA. This loan package will contain the bank's credit analysis of your venture and the loan request.The SBA will perform an independent review of the loan package. It will determine whether the business is eligible under its...more
As the credit crunch has drastically effected the domestic removal industry, more and more local removal companies have branched out into the European removals market to keep their vehicles moving. Whilst they may be experts in moving you locally; do they have the required knowledge to comply with French road transport laws? As the French police...more
The first quarter of 2009 saw difficult trading conditions for many businesses across the UK. The official Insolvency Service figures showed that in the first quarter of 2009, the number of companies being put into liquidation in England and Wales increased by over 50% compared to the same quarter in 2008. Many analysts are predicting that the...more
According to the latest Insolvency Service figures for England and Wales published on 1st May 09, nearly 5000 companies went into liquidation in the first quarter of 2009. This figure is over 50% higher than the same quarter of 2008. Clearly the global recession together with the lack of available credit due to the credit crunch, is having a significant downward effect on business activity. Many analysts believe that the recession will continue until the end of 2009 at least and that its effects will continue to be felt well into 2010. With increasing numbers of businesses finding themselves in serious trouble, more and more company directors and shareholders are faced with a decision whether to invest more of their own funds into the business to allow trading to continue. Even if such funds can be made available, they are best spend helping to develop and improve the current business model e.g. on advertising, marketing, investment in plant etc. However, all too often the money is likely to be swallowed up paying for legacy debts. With this reality, potential investors are all the more likely to decide that the further investment is not sensible and the better option is to call...more
Company Voluntary Arrangements were introduced into the law in 1986. A Company Voluntary Arrangement allows a limited company to settle its debts with creditors over a fixed period of time, normally 3-5 years. Once the arrangement is completed, the...more
If you do not want to continue running your business or you think it is in difficulty and cannot continue to trade, then you need to get good information about your possible options. One area which you will need to consider is company liquidation....more
As the recession continues to bite, more and more businesses are finding it difficult to continue trading. However, very often these difficulties are not because customers have stopped buying completely. Rather, they are buying in reduced volumes and...more
To manage an effective risk management solution requires more than the calculation of VaR. Ultimately a successful risk management program requires the execution of an effective hedge. Technical analysis is a vital element of this strategy.Recent...more
When considering a Forex trading system, the first and foremost thing to consider is proof of its profitability. Who would want to waste their time and money learning and implementing a strategy that only incurs losses? Trend Forex has been...more
Health leads generally relate to finding people who are interested in health insurance. Many people are searching for health insurance coverage, but are totally confused and overwhelmed by the choices and options. The best health leads generation...more