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How To Obtain Limousine Financing For a Start Up Business

Many enterpreneurs like the glamour of starting a limousine business but the road to their

success may be a little bit more complicated than one might anticipate. This article will concentrate on the financing side of the startup investment and try to give the want to be limo entrepreneur a reasonable assessment of what is in store for them.

Today, most typical lenders aren’t interested in lending money to a start up business for a limousine service. They consider it a high risk type of business and feel that their investment dollars can be better spent somewhere else in their portfolio. However, there a few lenders out there that feel comfortable in the transportation industry and will lend accordingly. Their bankground might be exclusively in this industry and will cover not only limousines but additionally limousines and shuttle buses, coach and tour buses, ambulances and hearsts etc.

Most lenders review the applicant’s background and want to ascertain that they have experience it in this industry and/or have other key employees that can supplement this situation. Additionally, they understand that this start up business may lose money at the start and want a comfort level that the applicant has a nest egg of money. An income producing spouse that can support the cash flow demand.during the start up phase would be a real plus. Additionally, the personal credit of the applicants may be raised to a higher standard to reinsure the lender that he has a qualified applicant.

Once the lender gets passed the initial credit review and the applicant’s qualifications to run this type of business, the amount of upfront money to qualify for a lease becomes an issue. Each lender is different but for the most part they require the applicant to put up somewhere between

10{4917788a0bd7aa7369c2a945027b4fe6c9853cda4150a24fe1255b18ce3083dc}-25{4917788a0bd7aa7369c2a945027b4fe6c9853cda4150a24fe1255b18ce3083dc} of the acquired cost of the limousine. Each limousine deal is reviewed separately by the lender because, in their mind, a hummer vs a lincoln stretch has different criteria to them. They review the year, make and model, including the mileage, etc to come up with a financing deal. Many lenders don’t like lending below $25,000 to $30,000 and a limousine no older than maybe three to four years old. Additionally, their leases could run as little as 30 months and as much as 60 months. It is advised for you to look at more than one lender and see what criterial is best for you.

The final part of the financing exercise is to find out how much you monthly payment will be. This can be an interesting exercise because know one is going to quote you an interest rate. I have seen start up limousine businesses being charged anywhere between 14{4917788a0bd7aa7369c2a945027b4fe6c9853cda4150a24fe1255b18ce3083dc}- 38{4917788a0bd7aa7369c2a945027b4fe6c9853cda4150a24fe1255b18ce3083dc} interest per year once you get through all the red tape. This carrying cost is criterical for you to make sure you are able to afford the payment per month because you don’t want a run away business which will be out of balance from the start. It …

6 Creative Ways to Market Yourself As an Insurance Agent

Marketing yourself as a qualified insurance agent is one of the most important components to achieving success. For an agent, success is often measured by the number of clients who make a decision to buy the products and the services that you are offering to them. Proper marketing will help you increase your customer base, but you have to be creative about it in order to stand out from the rest of the agents whom you are competing against. Here are six clever and creative ways that you can make that happen.

Develop a client appreciation program.

When your clients feel like you appreciate their business, they will spread the word to their friends and family. Find a way to show your regular clients your appreciation (Thank You card periodically, free upgrade of service, etc.) and you’ll see your success grow.

Use direct mail.

Sending out postcards and letters to your current clients and potential leads will help expose your products and services to a wide audience. Don’t send out boring form letters, though. Be creative so you can get their attention.

Create a newsletter.

Newsletters are great ways to keep your clients up to date on the latest developments in the insurance industry. There may be new products on the market or important news that they will find interesting. Add a personal touch by adding something about your family or a special greeting. Send out the newsletter monthly or every other month, but be consistent about it either way.

Develop a website.

If you want to compete in today’s business world, it’s essential to have a website for your clients and potential leads to visit. However, it shouldn’t just be any website. You should hire a professional web designer to develop the website so it looks great. It’s also ideal to have a section of your site which explains the products and services that you offer as well as a link that customers can click on to get in contact with you.

Be responsive.

The quicker you respond to a client’s questions or a lead’s phone call, the more successful you will become. By responding quickly, you will show them that you appreciate their business rather than making them feel like a bother.

Publish articles online.

One way to market yourself as an insurance agent is by publishing relevant articles online. You can create a blog, post to ezines or other websites so you can get your name out there. When potential clients and existing customers do a Google search for your name, they will find all of the articles you have posted and they will be more likely to trust the information that you give them.

These are just a few of the ways you can market yourself as an insurance sales representative and increase your success as a result. Find a few agents in other areas who are successful and ask them for their secrets. If they don’t live in your area, they will be more likely …

Book Summary – The ABC’s of Building a Business Team That Wins – Written by Blair Singer

This book is part of the Rich Dad Advisor family. Being able to build a successful team is a sought after talent. Think about your favorite professional, college or Olympic sporting team. I bet hardcore football fans can tell you which teams won each Super bowl. Can they tell you who came in second, probably not because nobody cares? Building a great team is by far the hardest component of business. You are dealing with unique personalities, qualities and skill sets. So the question becomes, how do you do it? Blair answers this question in the book.

Why is this important to me?

I strive to not waste your time. You are either part of a losing team or winning team. That is it. If you were ever part of a winning team then you can still remember the connection, camaraderie and code. If you consider the most effective teams, they all operate under a strict code of honor. This is critical in keeping the team united. The best example of this is seen in the U.S. Marine Corp. These guys have to run under a code or they die. It is that simple. Semper Fi – “Always Faithful”. Blair’s book is concise and to the point. We will outline creating a Code of Honor for your team.

Why a code of honor? In the absence of rules, people make up their own rules. The best way to avoid upset, collisions and disharmony in any group is to make sure everyone is playing by the same rules. The code brings out the best in everyone who subscribes to it.

Mission-Team-Individual – That is the order of the code. When people agree then you have the foundation for a championship team. If you don’t believe in Mission-Team-Individual then just image if Individual or team was first. Bernie Madoff put individual first and Enron put their Executive Team first. Look what happened. If the Marine Corp put individuals first then we would not have our freedom today.

Drafting the right players for your team is crucial. The old adage that people are your greatest asset is NOT true. They have to be the right people. I can tell you that my biggest expense and losses in business have ALL been around hiring and recruiting the wrong people. I could have been on mini-retirements in my late 20’s if I would have gotten this skill right. I would wager to say that over the years, I have spent over seven figures on the wrong people. This does not include the heart ache, counseling and other crap that goes along with having the wrong people on your team. I implore you to learn this skill because it will save you years of heart ache. It is cheaper to burn stacks of $100 bills then it is to have the wrong people on your team. LEARN THIS SKILL NOW!

Question – How do we get the right players on the team?

1. What kind of …

Bad Credit Loans – A Borrower’s Guide For Personal Loans

If you are in need of cash, a personal loan might be just what you need to be able to pay your bills. Many people who need money fast overlook the option of personal loans because they do not understand how they work. Or, they do not think that they will be able to qualify for one of these loans because they have a less-than-impressive credit score.

The truth is, however, that you can find personal loans even if you have a very low credit score of under 600 or even 550. There are several types of personal loans to choose from, including secured loans, unsecured loans, and auto title loans.

Secured loans are where you put up some sort of collateral – something of monetary value that the lender could easily sell in case you fail to pay back the loan principal. Because this type of loan is secured, it means that you can expect to pay slightly lower interest rates. Also, your credit score will not be much of a factor with these loans, since the fact you are putting up collateral helps to reduce the lender’s risk in the deal.

Unsecured loans, on the other hand, do not require that you offer up any collateral to the lender. That’s a good thing if you do not want to put something of value up for possible sale by the lender later on. However, the drawback is that you will have to pay a higher interest rate on your borrowed money.

An auto title loan, meanwhile, is very similar to a secured loan. In fact, it is a form of secured loan. With an auto title loan, you are using your car’s value as loan collateral. In the case of this type of loan, you are risking losing your car. And, interest rates can be pretty high.

If you can, your best bet among these 3 options is to go with an unsecured loan. Surprisingly, even if you have a bad credit score you should be able to find a bad credit lender who will lend you the money you need.

The trick to doing so is this: you do not want to just walk through the front door of any old personal loan lender and ask for a loan. Rather, you will first want to do your homework. Find a notepad and a pen. Then, start searching for personal loan lenders who make it a point to deal directly with people who have low credit (FICO) score. Take good notes so you know whom to call and who is offering you the best deals.

You see, bad credit personal loan lenders will not be nearly as hung up on your credit score as would be most lenders. While most lenders will run away screaming at the sight of a FICO score below 550, a bad credit personal loan lender will automatically see that as a challenge to try to meet or beat. By applying with them directly, you …

5 Tips on How to Get Customers For Your Window Cleaning Business

In this article, I will give you tips in starting a window cleaning business, specifically how to get a customer base. Many of the principles will help you become a professional window cleaner.

1. Be professional.

Being professional starts before you even look for window cleaning customers. You need to make sure your image is appealing. Small things like having neat clothing, neatly trimmed hair, good personal hygiene and wearing a smile, have a massive positive impact on someone when they open the door to you. Would you let a slovenly dressed smelly individual who you don’t know work on your house? I thought not. Next, have a well prepared message in mind. Something along the lines of “Hello, I am a local window cleaner and I was wondering if you needed a window cleaner yourself?” It is short, polite and to the point.

2. Get business cards.

The business card is the foundation of all of your advertising for your window cleaning business. Your business card should be well designed and have all of your relevant details without being cluttered. You must put your card into the hands of everyone you can including friends, family, current customers and prospective window cleaning customers. Now you are ready to hit the streets!

3. Canvass, canvass, canvass!!!

Canvassing for window cleaning customers to some may seem demeaning, almost ‘begging’ for work. For that reason, many send out thousands of flyers by hand, which is not effective use of your time, or via local newspapers or magazines, which can be costly. In my experience, householders like to see the window cleaner they will deal with each month. In my experience, the most effective way to canvass is by knocking every door in the street, and by making sure you speak to the owner of each house, not the kids, babysitter, gardener etc. Speaking to each individual is far more effective than pushing a flyer through the door. When was the last time you looked at a flyer and bought that product? Probably never. Going in person to advertise your window cleaning business gives it an instant personal touch that is essential. After all, as their window cleaner you will have access to their property and they want to be able to trust you. The first key to trust is knowing what you look like!

4. Respond professionally.

Should the householder refuse your window cleaning services, politely ask to leave a business card should they need a window cleaner in the future, or if they have a friend that needs a window cleaner. This has the same effect as a flyer, but at least they have met you and will recognize you when you are window cleaning in their street in the future. If the householder asks you to give them a quote, be sensible in your price for them, but more importantly, for yourself. Pricing for window cleaning is an article in itself. Should they accept your quote, again, be professional. Have a …

Why Getting $30,000 Personal Loans With Bad Credit Is No Lie

It is no surprise that the majority of people would consider the chances of securing a $30,000 personal loan with bad credit next to impossible. The sum is high and the perceived risk is too. So, what lender would agree to the deal? Well, the truth is that, with the right application, even this loan is attainable.

It is easy to look at the loan application at face value and reckon lenders would reject it. When it comes to traditional lenders, the likelihood is actually very strong, but the growth of online lending has opened up many niche markets – such as bad credit lending. Online lenders are willing to grant approval despite poor credit scores.

Their willingness is not rooted in foolishness, however. They are bad credit lending experts, offering a route to vital funds to those unable to secure affordable deals from traditional lenders. Lending a large personal loan to applicants eager to improve their credit ratings is not as risky as it seems.

Two Kinds to Consider

There are two types of personal loans available on the market: secured and unsecured. The core difference between them is the presence of collateral with secured loan, but the type chosen can have a big influence on the chances of getting a $30,000 personal loan with bad credit.

Basically, getting approval with a secured loan is much easier because it is backed up by collateral that can be used as compensation should the borrower default on the loan. With no collateral provided, income is the key hope to securing approval despite poor credit scores.

But there are problems with large personal loans, namely getting collateral that matches the value of the loan. It is no great problem when $1,000 loan is being applied for, but a $30,000 loan is a different matter. But if collateral can be found, the interest rate lowers and repayment scheme becomes more flexible.

How Cosigners Solve the Problem

There is a security option open to applicants that cannot find collateral when seeking a $30,000 personal loan with bad credit. A cosigner is not technically security, as he or she is not required to get involved unless the borrower becomes unable to make repayments.

A cosigner is effectively a guarantor, providing an assurance to the lender than the monthly repayments will be made. This is the best possible addition to a loan application since lenders only ever want to be sure of receiving the repayments on time. So, with a cosigner the chances of securing approval despite poor credit scores is extremely high.

However, there are conditions to the deal. A cosigner has to have an excellent credit history and have a large enough income to meet the loan repayments should that become necessary. But once the right candidate is found, securing the large personal loan becomes a probability rather than a possibility.

Your Credit Scores

A final issue to consider is your own credit score, and whether they can be improved ahead of submitting the …

If Your Girlfriend Left You Over Money Problems, You Need to Take Action

What is the number one reason most relationships break up? Terrible sex? Too much nagging? Incompatibility? Another lover? You just drifted apart? It’s none of these. By far, the biggest reason that relationships fail can be summed up in one word: Money.

If you have money problems, then you have big problems. Nothing creates tension and hardships like persistent hassles with bills, paying rent, making a car payment – or maybe even not being able to afford a car at all! If your girlfriend left you over money problems, then you have one of the most difficult situations to remedy. Getting an ex-girlfriend to come back to you is hard enough the way it is. It’s even harder when you are hard up for cash.

But before we get all depressed about this situation, let’s get some perspective. Many guys think that if only they were rich, or at least well off, their girlfriend would have never left them. It’s not as simple as that. If you don’t believe it, just tune into what is happening with the rich and famous around the world, be it movie stars or royalty. It quickly becomes apparent that people with a lot of money have no better luck – an obviously sometimes a lot worse luck – with staying within a relationship. How many movie stars can you think of in the next five minutes who have two, three or maybe four divorces under their belts?

The fact is, having a lot of money is no guarantee of relationship success. If you are feeling sorry for yourself because your girlfriend left you over financial problems, then it’s time to start rethinking the whole situation. You could be filthy rich, and she might have left anyway.

What does this tell you about money? Clearly, it makes no difference how much you have or how little you have. If the fundamentals of your relationship are strong, even a terrible money situation should not be an excuse for your girlfriend to leave. Money is only a convenient excuse, an outward factor.

Okay, but let’s also recognize that while money may not be the ultimate reason she left you, it certainly was a contributing factor. That’s because constant stress over money creates an overall climate of tension and struggle. It is very difficult for any relationship to thrive in an environment of constant struggle.

Incredibly, many guys do exactly the opposite thing they should do when they have money problem, and their partner leaves – they plunge themselves into even more debt! That’s right!

There is something about relationship problems that can drive many men to lose all common sense. For example, they think that if they only had a nicer car, maybe their girlfriend would come back to them. So they pull out all the stops, marshal all of their resources, and take out a huge loan to get some new wheels. So now they have a shiny new car, and even more debt and payments …

Understand the Pros and Cons of Saving Money in Piggy Banks

It is always a great idea to put some money away for a rainy day or for a future purchase. But where you put it is a personal choice depending on what your considerations are. Do you have security in mind? Or is it convenience perhaps? Whatever they may be, you might have thought of getting a piggy bank in which to store some extra money. It might help you if you understood what using one of these entails. There are obvious advantages as well as disadvantages that come with piggy banks.

Advantages

We all have spare change left over from grocery shopping and other small purchases, and sometimes we just put it all over the house because we do not have a central place to deposit it. A coin bank will enable you to keep track of the small amounts of money that might otherwise simply lie around or get lost. It can also be a great way to actually save toward a small purchase such as something you saw on sale at the shop down the road. Small, regular deposits into the piggy bank will accumulate enough to reach the desired amount. There are some large piggy banks that are convenient for growing a decent saving, so that might be of interest to you.

Most piggy or coin banks by their very design are pleasing to look at. That means that besides using them to put away some money, you can also use them as decorative pieces in the house. The piggy bank may not necessarily come in the design of a pig, but some are modeled after other animals or objects. So you could choose to become a collector of them and make them serve the double duty of storing your money and brightening up your house.

Disadvantages

When you are saving money, it is usually for a particular reason. Therefore, it is in your interest to ensure that it accumulates enough to achieve your goal. For instance, if you are saving to treat yourself to a night out on the weekend, it is possible to get tempted during the week to use the money for something else because it is readily available. It requires that you exercise self control and discipline to not raid the piggy bank at will just because it is convenient.

There are really no disadvantages of keeping money in a piggy bank except that you may get tempted to withdraw some amount when you need it. But it is really not such a bad idea to withdraw money when you need it. The piggy banks serve as your instant back-up plan. You have to go to a bank and withdraw money and that involves time and energy. On the other hand withdrawal from a piggy bank home is very easy.…

What is Stopping You From Achieving Your Goals?

It is the end of January and what has happened with your ‘new years resolutions’? Have what most people consider their goals, gone by the wayside already? What about other goals you set throughout the year – do they come to fruition or do you falter on those? When we fail to achieve our goals not only do we fail to achieve the changes we identified as being desirable (the purpose of the goals) but we also do our self-esteem harm. If you have tried to lose weigh every year for the last twenty years and not achieved what you set out to do, you may feel a failure. Why bother this year… you never win? Sound familiar?

There are many reasons why people fail to achieve their goals. The top ten reasons are listed below. Have any of these held you back in the past? Identifying what it is that prevents you following through and successfully implementing changes in your life might be what helps you succeed with your next goal.

  1. Waiting for something to happen? I will start on Monday; I will start once the kids go back to school. When you first set a goal you are most passionate about it. Start then. The longer you wait to start, the less likely you will be to get things done. Starting, even a first step, builds momentum.
  2. Not knowing what you want. In our society thinking of others before yourself is encouraged and thought of as praise worthy. We are not encouraged to know ourselves and to pursue our dreams, those things that make us happy. Constantly putting oneself last makes it difficult for you to truly identify what you want and what your priorities for your life are. Goals you set that actually represent what other people want will rarely come to fruition. Your goals have to represent what you want. Learn to dream.
  3. Thinking you need to tackle the whole project at once. Sometimes the sheer size of a project can be daunting and discouraging. By breaking a large project into smaller task, setting milestones along the way and celebrating the achievement of each milestone keeps us motivated and makes achieving a large project much more likely. Take a bite and chew, then take another bite…
  4. Failing to set goals. Some free spirits believe that setting goals would impose a rigidity on their life that they resist strongly. Setting goals does not constrain you or take away from your freedom. In fact it helps gain clarity and increases your personal freedom. 90 percent of people who set goals achieve them. Everyone’s life is directed by goals so remember if you don’t live your life by your goals, you will be living by someone else’s.
  5. Fear of failure. Some of our best lessons in life come from learning from our mistakes, yet we as a society place such a stigma on ‘making a mistake’ that they indulge in blame and self-criticism when ever things don’t go as

The Advantages of Having Personal Productivity Software

Personal productivity software is an application that no business should be without. This is because of the simple fact that this piece of software makes a great contribution when it comes to ensuring productivity in the workplace. But if you are not too convinced about the importance of purchasing personal productivity software just yet, well, this is actually normal. A lot of business men do become wary when presented with the notion of purchasing such software because computer software is a bit pricey in the market right now. However, when presented with the many benefits businesses enjoy with these software applications, the activity of convincing businessmen becomes very, very easy to do.

So, why exactly do you need personal productivity software in running your business? First of all, this piece of software can give any type and size business the professional touch it needs. The software comes with applications and programs that make it very easy for you to produce professional looking letterheads, marketing reports, brochures, mailing campaigns, and the like. Even the simple act of developing professional looking paychecks is easily done with the use of such software as well. And this is just one of the minor benefits that come with such software!

When you get the basic package, you actually get a word processor, a spreadsheet application, presentation software, and the like. For a more cost-efficient option, you could consider getting one of those suites that contain a number of these tools. This way, you are sure to get more value for your money. Some examples of these suites include Microsoft Office, Sun Staroffice 8, Microsoft Works, or Corel WordPerfect Office. An interesting fact about Microsoft Works is that it actually comes free with personal computers. Aside from these suites, you can also choose to get supplementary software packages that can make your whole life easier.

One of the popular software packages includes QuickBooks. This choice is popular because it is known to be very efficient in handling and managing inventory and business finances, such as payroll and benefits packages. Now, with all these abilities, you have to be sure to allot a hefty budget for your suite of tool and the additional applications and programs you would be getting. The typical price for suites and the individual applications range from a hundred to five hundred dollars. So, if your PC is meant for more than just doing the regular email and the basics on word processing, then you should consider this option thoroughly.

You may also be worried about the hidden and recurring fees that might come with having personal productivity software installed in your system. Yes, they do come with long term costs, but these are just minimal when you compare them to the benefits you would come to enjoy with the software. An upgrade would occasionally be needed, especially after a few years or so with your own application suite. Plus, your business should be growing in a few years, right? Thus, it would …