finance

So you want to launch your very own business or product but you do not have the funds to get you started. That can be a major problem. In order to make your business venture become a reality, you will need to have financing in place in order to develop, manufacture, launch and market your business.

Now you must ask yourself the all important question:

How Can I Get Free Money To Start My Own Business?

Well, It's easier than you might think, but first let's entertain some options.

1. You can use your own personal savings. That's assuming that you've managed to sock away a huge amount of money and you've got nothing better to do with it but some how I doubt that is going to be the case.

2. You can always beg, borrow or steal (just kidding) from friends or family members. This option may work for you if you only require a small small loan, However, most business start ups require a much larger amount of money, the kind of money that friends and family simply do not have available, let alone be willing to lend it to you.

3. A more obvious solution would be to take out a bank loan. Sounds easy enough right? Wrong! You'll need to come up with an extensive business not to mention a multitude of solid reasons why your business is worth investing in and prove that you will be able to pay back the loan in a reasonable amount of time.

4.If you have multiple credit cards with very large spending limits you could consider using them to finance your business, however, when you consider the high interest rates associated with credit cards I'm sure you'll agree that this is strictly the way to go. The high interest rates you will have to pay will likely put you into further debt and put business at risk ..

5.Finding Investors is often another consideration but you will find them to be next to impossible to come by when you are first starting out, unless you have a bullet proof business plan that will guarantee high returns quickly, investors simply will not be interested in putting their money at risk.

6.From my own personal experience I have found that the best avenue for locating free money for a small business venture is via state & federal grant programs. The government provides billions of dollars in grant money for business start ups every year, and you do not have to jump through hoops to get it.

So the next time you ask yourself … How Can I Get Free Money To Start My Own Business? I suggest that you save yourself the hundreds of hours it will take you to search individual offerings, by simply accessing a Government Grant Directory, as they will have an extensive database of all government grants available to you. They typically charge a very small, one time fee but you will find it to be …

In its core, finance explores the ways in which business entities, individuals and organizations utilizes the resources over time. The study of money and the management of assets has been the focus of finance. Maximization of shareholders wealth has the main focus of the financial manager. Decisions relating to investments, dividends and financing have been taken by the financial manager. Finance home work help provided by the online sites worth its salt. Although there are plenty of experts who provide online help for various topics in finance. It is quiet important to find the right guide who can lead the students properly.

The basic areas of finance is the time value of Money, bond valuation, stock valuation, dividend policy, capital structure, risk & return, cost of capital and capital budgeting.

The time value of the money is also processed in Finance. At the time of investment "The bird in the hand principle" is of much importance. One dollar in hand today is certain but one dollar which can be received tomorrow is less certain. This is the risk strategies in finance. Even with the consumption preferences, the preference level for the immediate consumption is stronger than the delayed consumption. As the saying goes "The promise of a bigger pizza next week counts less for a starving man."

Although homework help with finance is quiet complex, there are many experts who work round the clock to serve the needs of the students.

The whole responsibility of managing the general accounting function, the internal control procedures, and the pay-out systems is in the hand of the finance and accounting manager. So, the students of finance and management need to put intensive care in learning the basics of finance. …

Managing your finance is a tougher job when you are carrying lots of debts with yourself. Either you have taken loans or any other form of debts in the past; this may solve your financial problems. But the real story begins when the time for repayment arrives. It makes us put all our effort to calculate the installation amounts and plan our monthly budget. After doing all the hard work at last we came to know that our finances are not meeting up the expenses. Than what are we left with ???? ….. only debts and more debts ??? At such moments you need to find your debt management solution for your troubles.

Debt Management Solution is provided by financial consultants and agencies at some charge. The solution basically means a form of financial advice regarding how can and how you should manage your money so that you can easily bear your expenditure and simultaneously making repayments of the loan amount. The most common suggestion or recommendation given by these agencies is consolidation of debts.

The debt consolidation in a single line can be defined as reducing your debts in number by taking a loan and paying all your debts. Now their remaining a single debt and that too too low rate of interest. This cuts down your monthly expense to a larger extent. The other thing which needs to be taken care of is to minimize your use of credit cards, use a debt card instead. Following are the services provided under debt management solution:

o Debt consolidation advices from professionals.

o Debt consolidation programs and debt reduction.

o Advices and facts about bankruptcy.

Applying for a Debt management solution is very easy through online option. The application form consists of details such as your name, permanent address and contact information, residential status (whether you are home owner, tenant or living with parents), email ID for communication, home and work phone, amount of debts with you at present, details of debts, accept the terms and conditions after reading them and click on submit to get the further assistance from the advisers.

Debt management solution can help you write off nearly 90% of your debts. Advisers and consultants will talk to your lenders; negotiate with them for loan repayments installments. As the installation become smaller, debts become lesser, interest rates goes down, automatically your expenditure will decrease and you will be able to live a better life without the financial stress and tensions. …

It is a thought a lot of us have had. Dropping your car insurance policy to save yourself the added expense and to have money to spend on "more important" things. Doing so seems harmless, considering you probably only plan on dropping it for a short period of time, but rest assured there may be serious repercussions for your actions.

First and foremost, one primary reason you do not want to cancel your auto insurance policy because you are required by law to have one if you are an active driver. So, by banking, at this point you would be breaking the law, which is never a good thing. Not getting in accidents is just one of many obstacles you would have to avoid in order to not get caught. Being rolled over for speeding is a surefire way of getting talked with no insurance. In addition, several states set up surprise checkpoints in order to catch drivers that are not abiding by the laws. Sure, the checkpoint may be for seat belts or to check if people are driving under the influence, but while they have you stopped they will check for insurance as well. Insurance companies will sometimes report to either the auto finance company or onto an uninsured motorist list that police officers now have the ability to run your license plate number and receive a report back your insurance status. If the check comes back positive for you being an uninsured driver, they will waste no time in pulling you over to question it. Because of the law requiring insurance, obtaining caught without can result in stiff penalies.

Getting used without car insurance could result in a fine you have to pay, your drivers license being suspended, or even having to spend time in jail. Paying a fine would defeat your original purpose for saving your policy, to save money. Having a suspended license means you would be committing another crime if you choose to continue driving, in addition to the fact that you probably would not be opening an insurance policy before you drive either. As for spending time in jail, well, we all know what that is, and no one wants to go there. On top of the fines you may face, your car may be impounded as well and guess what that means, more money out of your pocket. First, the car can stay impounded until you pay for the original fine, but for as long as the car is impounded, you will be charged a daily fee for that as well. The cost could go very high in a very short period of time.

The law that requires that you carry auto insurance is not the only reason you want to keep your policy as opposed to cancelling it. The policy you have is there to protect you, your family, your car, and your finances. If you cancel the policy and get into an accident while uninsured, and the accident is your …

Do you think you really know how to shop? How do you calculate how much you pay the next time you take a loan? Do you have a system whereby you know how much is it that you can afford the next time you buy a car or a house?

You just bought a car. The installation is around $ 650 a month and you are determined that you can afford to pay the installation. You calculated the interest rate, term of loan and depreciation value and you are very sure that you can afford to maintain the car. After six months driving your car, you feel the pinch of paying your installation and you have a lot of bills, parking tickets and fines that you have not settle.

What do you do after this? You spend less, you travel less to save on your petrol and when all else fails, you decide to sell the car. However, you still have to carry on driving the car because you still have not breakeven your loan wit the finance company. For all you know, you are stuck with your car and financial problem start coming in like termites. Does this sound like you or at least sound like someone that you know?

I am not here to tell you not to buy a car or to nag you that made the wrong choice buying the car. I am not even here to tell you to avoid taking loans and to buy your car in full cash. However, what I am going to do is to teach you how to calculate whether you can afford or not.

You may think that I am talking nonsense and that I do not do a thorough research on this topic. Well, think again. It's because I see this problem too often that thought about it for three days in a row and try to think of a way to tell people on how to calculate the right way. A method a nine year old will know how to apply!

The method that I am going to share with you is simply what I call the 'Percentage Calculator TM'. Let me share with you how. Human beings are better at number 0 to 100. What a better way to calculate everything in percentage. If you say $ 2500 (100%), savings is $ 500 (20% of income), expenditure including mortgage or rental is $ 1500 (60% of income), you are only left with 20% of your income that is $ 500.

With 20% of your income left, and knowing that you expenditure is kept at the minimum, do you want to buy a car still? You may disagree with me and tell me that with $ 500 you can still afford to pay your monthly installments. I totally agree with you but does this mean you would give up your shopping, holidays and entertainment? So, my advice is, the next time you buy something in installment or …

In the modern world, personal finance is more important than ever. A person’s entire life revolves around the decisions they make about their money. The media would have one believe that big banks are what make the economy function or fail, but the truth is that individuals should be much more concerned about what they can control, namely their personal finances.

For many people, personal finance simply means keeping their checkbook balanced and having enough money in the account to pay the monthly bills. This is a great start, but only a start. Other important decisions affect a person’s financial well-being. Everyone eventually have to rely on the decisions they made in the past to provide them with suitable income in their golden years. Decisions like this are just as important as keeping the checkbook organized.

The old-fashioned bank is the financial institution most likely to play the greatest role in a person’s daily personal finance strategy. Banks offer a variety of ways to help one manage their money. Most people need only concern themselves with four main types of financial accounts. The first two account types, checking and savings, shouldn’t be anything new to the average person living in the modern world. Checking accounts offer the most convenience and easiest access to your money.

Savings account also allow you access, but are designed with long term savings in mind. These accounts pay interest, but it’s usually very low and shouldn’t be viewed as an investment. Money market accounts are similar to savings accounts but have a few restrictions. In return for a higher interest rate, banks usually require a minimum deposit to open one of these accounts and the number of transactions that can be made on the account per month is limited. Though not actually an account, certificates of deposit (CDs) offer some of the best returns on one’s money. The longer one invests the money in the CD, the greater the return on one’s capital.

Before knowing the best account type or types to use in a personal finance strategy, a person first must analyze his or her own financial situation. It is important to consider one’s sources of income as well as one’s personal liabilities such as mortgage, car payment, credit card bills, daily living expenses, etc. Once all this information is gathered, a plan can be formulated. If one discovers a budget surplus, this money can be invested in money market or CDs. However, if the bills are barely being paid, it makes no sense to put money into a savings account just to have to remove it the following month.

The goal of all this information is not only to stay out of the red in your personal finances, but to also accrue a sizable savings surplus. By examining one’s daily spending habits, extraneous expenses can be removed and more money can be saved. The savings can then be put into money market or CD accounts and earn interest. The old saying that a …

The Best And Worst Housing Markets In America : With the 2006 annual sales and price indexes out in the market, it is now possible to decide the best and worst performers in the real estate market for the last one year. According to the report released by National Association of Realtors, the annual median home prices have increased by 14.6 percent in Seattle, 14.3 percent in El Paso, and 12.3 percent in Portland. Apart from these, the other markets that have experienced a growth from the previous year include Houston, Texas, Los Angeles, California, Austin, Jacksonville and Charlotte.

But for the other markets, the news is bad. Quite a number of major markets that were predicted to do good business have fared badly. Comparing the growth rate of metropolitan areas, New York’s finance department has reported that the metro area has recorded a substantial increase in the median home price. But, the prices have dropped at an average of 1.2 percent in the remaining parts of the US.

According to Kristine Losh, a broker with Ewing and Clark, the prices would still escalate from the current value. She thinks that cities like Seattle due to geographical constraints, have limited land to offer and for this reason the potential buyers would be trying to buy it with an increased price.

Relative increase in the job opportunities and migration has been the main reason for the upward trend of the market in the west. The worst affected area during the slump is Northeast that has recorded 4.8 percent drop in prices.…

Buying any type of used car is always a bit of risk. When looking for a second hand Audi Quattro this is no exception. After all there is no guarantee that the car is all the seller claims it to be. However when using the internet you can cut down the risks some, for instance you can get a car data check. This will at least let you know whenever the car has any outstanding finance on it, if it has been written off or if it was reported stolen.

You can also follow a few safety rules to ensure that your search for a second hand car goes as smooth as possible. You also need to give certain factors some consideration such as insurance, the cost of running the car and where you will get the finance to buy it.

It goes without saying that a test drive is needed and this should be additional on different road surfaces and in different situations such as on the motorway and small side streets. Always go for the test drive during daylight hours and this way you will be able to give the car a good inspection. The inspection should include the bodywork, engine and all exterior including the paintwork and testing the lights. You also need to go over the cars interior paying attention to electric windows, the dashboard, electrical equipment on the dash and the seating. Always insist on seeing the paperwork for the car and the service history of it, a seller should never have any qualms about giving you this to check over.

Of course a little background history of the Quattro never goes amiss and can tell you a lot about your choice of car and how well it might service your needs.

The first thing you should know about the Quattro is that it is a four wheel drive. The four wheel drive from Audi was first shown to the world over 25 years ago and its popularity just kept on growing. In the 1980s it was the first road car to be mass produced that had four wheel drive and also an engine that was turbocharged. It was the highlight of the Geneva motor show in 19080 where it was presented as the first ever sports car for the road to feature permanent all wheel drive. The road holding capacity of the car was untouched and even by today's standards it takes some beating.

The Audi Quattro was the brainchild of Ferdinand Piech back in 1977. The very first test car was red in color and 2 doors, an Audi 80 that came with just the test name of A1. It was not until March 1981 that the Quattro car first came to the United Kingdom when 163 cars were shipped in. It was not until much later that this all changed and it became Audis best export. Over time many slight changes and improvements have been made to the car which all went …

For those OFW’s and foreigners wishing to start a business, but not wishing to involve themselves with the stress of a business involving day-to-day operations, employees, landlords, inventory, and so forth, there are several available opportunities for foreigners living in the Philippines. Buy fixer upper properties, improve them, then rent or sell them.

1. Buy Fixer Upper Properties, Improve Them, Then Rent or Sell Them. This is a great business for those of you who have experience in your home country in buying, fixing up and renting or selling properties. Over the past 10 years, a lot of people got involved in this kind of business in their homeland.

With the overall economic problems in the world the past couple of years, the Philippines has not been immune, and there are a lot of properties in a state of disrepair, as well as lot of distressed and foreclosed properties.

2. Build An Apartelle. An Apartelle is an apartment building where all but one of the units are rented out long term, and you are left to operate on a nightly or weekly basis, like a hotel – hence the combined name of apartelle. These are common in the Philippines.

This business will require a heavier capital investment, yet with the right property and by focusing in the more rural areas or smaller cities, you can construct a small 4 unit apartment building for Peso 3,000,000 – not counting cost of the land.

You would want to rent out 3 units on a long term rental basis, and keep one for short term rentals – for the many traveling salesmen that frequent the countryside. They like booking into such short term apartelle units rather than the much more expensive hotels in the area.

3. Condotels. I have not given this business my “thumbs up” in all instances. Condotels have been heavily touted and promoted the past several years and there have been many, many new condominiums built in Manila, and now even in Cebu and starting in Davao.

The problem is that although the developers offer great down payment terms (usually around 30% down financed over 3 years) and in some cases carry back the mortgage and finance for perhaps 10 years, the interest rates are incredibly high, and the split of rentals with the management team runs around 50%/50%. There is also always a nominal monthly maintenance fee.

What looks like “cheap” entry point and cash flow out each month, in many cases simply becomes a bet on long term property appreciation – finding someone willing to pay you more for it than you paid for it.

This is because with all the inventory on hand, there is a surplus of condos which have been into hotel type rental pools, but not enough visitors to rent them all.

Consequently, what an investor thought would be a good positive cash cow, turns out to be a continuous negative cash flow – not what a new retiree to the Philippines is looking …

A small step of applying for an online business loan uk can inch you closer to your business expansion!

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A UK borrower can seek out for online secured business loan uk to start a new business or to grow an established business, online uk business specialists will work with you to find the right business loan for your specific needs. A new business loan would be the right one for you, be it to start off a fresh in your business OR move to a new business location, then a new online business loan uk would be the right one for you.

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