231 Front Street, Lahaina, HI 96761 info@givingpress.com 808.123.4567

Tag: Business

Identifying The Four Major Types Of Loans

Although it may be a given for many people these days, it is still important to know something about loans when you are thinking about applying for one. In fact, most people already have one type of loan or another. There are many different kinds of loans offered by banks, credit unions, private lenders, and other financial institutions. Each loan may be subject to the specific requirements of the institution offering it and many loans are actually tailored to the particular applicant. All of this aside, there are four major types of loans that are used by consumers. Each type has a different object or focus attached.

The first major type of loan is the personal loan. These are the loans that you would obtain from a bank or credit union as an individual. At the same time, there is some overlap between personal and small business since the purposes of each may often coincide. For example, you may need a personal loan to fund a new small business opportunity. A personal loan may simply be a loan that you receive in order to pay for a necessary expenditure like replacing a major appliance, paying bills, or getting a vehicle. Personal loans are also used to consolidate debt.

A second type of loan is the home or mortgage loan. This is the category of loans relating to new home purchasing, but may also deal with using your existing home mortgage as a form of collateral to get a loan for other purposes. Like other types of loans, these loans have specific requirements and qualifications organized by the lender, which must be met by loan applicant. Home loans are long-term expenses. You need to keep this in mind and plan accordingly and take other expenses that will be included so you have a clear idea of your payments. Now a mortgage loan may also include those who already have homes but want to take a loan out on the mortgage or house, using this as collateral to secure the desired amount. There are specific requirements involved in these situations as well and there is risk involved since you are putting up your home as collateral.

The third major type of loan is the automotive loan. This is a narrower category since it deals exclusively with the purchase of vehicles. Everyone needs a car or some other means of transportation in today’s world. More importantly, they need something that is reliable and will get them where they need to go. Cars-even used cars-are expensive and most of us do not have the money to go and buy one outright. Therefore, auto loans are required to purchase a vehicle. Automobile dealerships typically provide financing options for auto loans via participating lenders. Again, there will be requirements that you must meet like credit rating or income level to qualify for the loan. Different lenders have different policies regarding auto loans so you will have to investigate them individually to find out if you are …

Personal Injury Calculator – Top 5 Questions For Calculating Your Car Accident Claims

Using a personal injury calculator can help you figure out how much your car accident claims are worth. Here are the top 5 questions people ask about calculating the value of their auto insurance settlement.

1. How Does the Personal Injury Calculator Determine my Car Accident Claim?

The most basic formula that is known to be used for car accident injury claims is:

Pain Multiplier X Medical Expenses + Loss of Income

The “pain multiplier” is a number typically between 1.5 and 5. This multiplier number is chosen based on the severity of your car accident injuries; the more serious your injuries, the larger the multiplier.

For example, a minor injury like a sprained neck is more likely to get a low multiplier (1.5-3). While a more serious and painful injury, like a broken leg, would get a higher multiplier (3-5). The multiplier range may even go to higher figures (10) for more severe and long term injuries.

The next thing that is included in the claims formula is your medical expenses, also known as “special damages.” These expenses include the cost of your medical treatments, visits to the hospital, ambulance ride, X-Rays, pain medication etc.

The final thing that is added in your insurance settlement is your loss of income. This refers to the amount of income you lost as a result of your injuries. For example, if your injuries forced you to stay home from work, then your lost income would equal your daily pay rate times the number of work days you missed.

2. When Should You Use a Personal Injury Calculator?

The best time to use the injury calculator is at the end of your medical treatment. You should always have your injuries thoroughly diagnosed and examined before filing an injury claim. This gives you a more accurate estimate of your total medical expenses that should be included in your final settlement.

3. Who Should NOT Use the Personal Injury Calculator?

Most personal injury claims involve minor injuries that do not require you to immediately hire an expensive lawyer. For these types of claims, you should use the injury calculator to get a rough estimate of what your auto accident settlement might be worth.

However, there are insurance claims which cannot be handled without the help of a skilled injury lawyer. These types of car accident claims involve more serious and long term injuries like permanent disabilities, lost or severed limbs, traumatic head injuries etc. If you were severely injured, your best option is to meet with a lawyer who is familiar with claims related to your specific injuries.

4. How Accurate is the Personal Injury Calculator?

The injury calculator does not give you the exact final settlement, but an initial estimate of how much your injuries are worth to the insurance companies.

Many people would argue that the injury calculator is too simplistic. That it does not address the complexities and subtleties of an individual’s personal injury claim. Others are quick to bring up Colossus, …

Credit Repair Business Plan

Here's the executive summary of a Credit Repair Business Plan:

  • A description of your company, including your products and / or services
  • Your mission statement
  • Your business's management
  • The market and your customer
  • Marketing and sales
  • Your competition
  • Your business's operations
  • Financial projections and plans

For someone looking for a credit repair business plan, a simple description may be "Ace Credit restoration provides credit restoration services to help consumers attain good credit and therefore have more attractive financing options. Charging $ 800 to $ 2000 per client and reaches new clients via relationships by credit-dependent professionals (real estate, car dealers, etc.), financial professionals (tax, insurance, financal planners), consumer direct marketing (internet, radio, tv, postcards ), And past-client referral cultivation.

Any business plan should then talk about management, which indicates to your experience. If you have experience managing a team, attention to detail, and / or financial experience, this is relevant and should be included.

When writing about your client, the consumer, you'll find there are about 70 to 80 million americans with bad credit, many millions of whatever will need to finance a home or car or other purchase and will there be interested in purchasing credit repair services . While some people do attempt credit repair on their own, credit is becoming increasingly complex and important. Fewer people succeed or event attempt it, and like dealing with plumbing or auto repairs, most are willing to pay a professional to get it done right.

Next, you should include a specific marketing breakdown. We have found that at first, referral relationships are a great place to start. By offering "credit repair seminars" or "lunch and learn" events to local real estate agents or car dealers, you can quickly position yourself as an expert, develop referral sources, and help them sell more homes or cars. As your business grows, you'll want to branch out into mass media, internet marketing to increase your visibility and scale up your operations.

The next section generally will cover competition, which of course varies by market. Currently, the credit repair business is still open and large driven on referrals at time of need, meaning people often get their credit restored when preparing to buy a home or car, or after being declined for some type of financing (ie a credit card at Better terms than they have previously). Longer term, the internet is a massive source of business that still has fundamental opportunity. One still large untapped area requiring someone to execute their credit repair business plan is in the area of ​​social marketing (ie Facebook) and joint ventures with point-of-need media ie a referral relationship with leading real estate websites, car dealer websites, etc . Who depend on attractive financing.

Next, your plan should cover operations. You can run a credit repair home based business, or you can use office space. One under-used idea is renting a desk inside a busy real estate office. This can provide more than just a professional meeting place, but the …

Is a Business Incubator Right for Your Business?

What is the Purpose of a Business Incubator?

Business incubators are organizations that nurture the development and growth of businesses in the early phases to help them persevere in their most vulnerable stages. Incubators provide numerous resources and support services to aid in the development of businesses. The general purpose of incubators is job creation, business retention, enhancing entrepreneurial climate, growing local industries and economies. Approximately 93{4917788a0bd7aa7369c2a945027b4fe6c9853cda4150a24fe1255b18ce3083dc} of North American incubators are nonprofits focused on economic development. About 7{4917788a0bd7aa7369c2a945027b4fe6c9853cda4150a24fe1255b18ce3083dc} are typically set up to receive returns from shareholders investments. (Business Incubation FAQs)

What to Expect

It is important to conduct research on the incubator(s) and consider the advantages and disadvantages before embarking upon the application process and working with an incubator.

  • Conduct Ample Research: It is important to understand that incubators will have their own set of unique offerings for their entrepreneurs. The package offered should help meet the needs and goals of the company. The location of the incubator should allow for a flourishing business, with a market that can sustain the business for the duration of the term of stay. The mentors and specialists available should also have experiences and networks beneficial to your business.
  • Related costs: Some incubators will charge monthly fees, like a typical leasing agreement. However, other incubators may accept in exchange for equity. It is beneficial to consult with an attorney to review the terms and contract.
  • Speak to alumni: If the incubator has a list of previous tenants, speak to them about their personal experiences. This first hand testimony will give you further insight and help you determine if the incubator is right for your business.
  • Prepare your proposal: If you decide to apply, be sure to prepare and rehearse your pitch and distinguish yourself from other businesses and business owners. Incubators want businesses that are sustainable. In your proposal, be sure to discuss how your business will succeed with accompanying financial projections.

What are the main business models?

As mentioned previously, each incubator will have a unique set of offerings. The list of business models below should give you an idea of what to expect as you conduct your research.

  • Rent Model: Rent is charged to businesses which can help incubators be self-sustainable. In some cases initial rents are subsidized. The subsidy rate usually declines over time to gradually introduce commercial discipline to the business.
  • Equity Model: Incubators take marginal stakes in the business, usually in exchange for low rent periods.
  • Royalty Model: Royalty payments are made based upon the amount of revenue earned by the business.
  • Deferred Debt Model: The services offered to the business, as well as the overhead is charged at a decided upon future date as an incubation fee. The incubator could decide the repayments (partial payments or lump sum) are due when the business leaves the incubator or when the business reaches an agreed upon financial target.

What are the main advantages and disadvantages?

Advantages

  • Low cost workspace allowing for reduced overhead
  • Offered resources such as mentorship,

Importance of Financial News in Our Daily Lives

Gone are the days when there was no concept of any money and people used to barter material things. However, the present day world is all about money which has become the prime mover of all aspects of life. Most people are either employed in a job or carry on some form of business in order to earn money. The stock market is another platform where individuals, as well as small and large entities, do stock trading, again with the intention of making money. Essential inputs for formulating a strategy for stock trading are latest stock market updates, knowledge of best stocks to buy in 2012, the latest financial news, stock analysts’ ratings and information regarding the most active stocks.

However, there are many people who are either not interested in stock trading or lack money, or they do not want to put whatever money they have at stake in the stock exchange. For such people, finance news and the latest stock market updates might seem to be superfluous and the happenings on Wall Street might seem to be of no use to them. But they must realize that our daily lives are deeply affected by what happens in the stock markets.

One of the most important areas in our lives is employment, which can be deeply impacted by the happenings in the market. If the stock market goes down, the employment scenario will be dim and if the market goes up, employment will also pick up. Keeping in touch with the latest finance news as available from any of the several media can be of great help in knowing which way the wind is blowing.

Hundreds of thousands of people have lost their jobs due to the current downturn in the economy. Many of them have had to withdraw whatever they had in the 401k in order to survive. Even those who have not withdrawn their money will find that the amount in this retirement fund today has shrunk, as compared to what was in the fund two years ago. The main reason for this is that the money was invested in the stock market and when the economy got into turbulent waters, the stock markets went down and so did their money. If they had been abreast of the finance news and kept track of the stock market, they could have withdrawn their money before any damage.

Finance news encompasses several aspects such as the movements of the stock market, the performances of companies and their stocks, the currency strength and its relations with other major currencies of the world and other company news. These aspects impact our lives as prices of commodities are governed by them. The decision to buy a house, a car or even a computer can be taken more judiciously after assessing the mortgage rates and other financial parameters.…

7 Women Business and Leadership Role Models From the Bible to Inspire Christian Women in Business

Christian women today have many women mentors and role models from Bible days on which to base their business and leadership ventures. The qualities and characteristics of these women from long ago provide patterns for running successful enterprises as well as for being involved in government, legal matters, community organizing and even military operations. Most of these women were married and some functioned from their homes. The activities of these women are often not discussed, leaving some of the best means of motivation and encouragement for contemporary women unknown. This article presents a brief background along with the qualities and skills of only 7 top Bible women in business and leadership who have lessons to share for today.

1. Rahab: Joshua 2: 1-22; 6: 17-25. Rahab was a businesswoman who ran a lodging place and provided for her family members. Often misrepresented as a prostitute, there is no evidence of this in the Bible. She became known for her willingness to take great risks to negotiate with new people for the protection of herself and her family. Running a lodging facility meant being able to manage a staff of workers, keep clients happy and serve the needs of people from all backgrounds. It also meant being misunderstood by those who did not understand this nontraditional business role for women. The leadership qualities and skills of Rahab included being industrious and wise, having a business plan, management abilities and negotiation skills.

2. Lydia: Acts 16: 14-15, 40. Lydia was a well-known businesswoman who dyed and sold purple cloth. Royalty and the wealthy dry purple cloth. That meant she had a high end target market. Her business had to provide a consistent, high-quality product to meet the standards and needs of a wealthy clientele. She also had employees, which means her company provided jobs for people in her community. Lydia was an entrepreneur who probably would have had a corporate structure. She displayed qualities and skills that included organization management and growth, employee training and development, and strong target market skills.

3. Priscilla: Acts 18: 1-3; 24-28. Priscilla worked alongside of her husband, Aquila, as partners in a tent making business out of their home. She was first mentioned as the mentor to the great Apollo who she helped mentor to preach with more direction and authority. She also traveled extensively in the capacity of evangelist. Her skills and skills were in working in harmony in a business partnership, managing a home-based business, business development and growth, multi-tasking, coordination, human relations, and mentoring skills.

4. Huldah: 2 Kings 22: 14-20: 2 Chronicles 34: 22-28. Huldah was a prominent prophetess and married woman who was thought out by the King's Advisors for counsel about spiritual matters. Huldah was known for being honest, highly intelligent and a scholar of the Scriptures. The qualities and skills she shares with contemporary Christian women include being a strategist, teacher, strong communicator, life-long learner and a leader who advised others and made hard decisions.

5. Phoebe: Romans 16: …

10 Ways to Make Money form Sugar Daddy Dating Sites

We know it sounds cruel, but these adult singles want to buy sugar babies a lot of gifts, we just have the right ways you should ask for them. These Sugar Daddy singles don’t mind spending money, actuallly it’s a nice way of making guys feel like a Super Cool Sugar Daddy. We all want to help others and like to treat our sugar babies nicely, the problem is when sugar babies do not appreciate it. So I found a great guide for Sugar Babies from Adult Singles Dating that talks about Free Dating Sites and how Sugar Babies can get everything they want by asking properly.

Ask about interest on your Credit Cards

Men love to Teach and Instruct a Woman

By asking a sugar daddy about interest on a credit card and what is the best way to handle your credit cards. Your Sugar Daddy will begin to explain that monthly interest can be expensive and will begin to want to help you in getting that cleaned up. By wanting him to teach you about managing your money because he is so good at it, you then can ask to start from a clean slate by him offering to help pay for the amount due the next month. After paying the credit card he can help you budget your money and will offer some additional cash to get you started.

Date a Sugar Daddy that has just been divorced

Most men want to make their ex jealous. All you will need to do is act pretty and go to the same shopping centers, restaurants and other areas where his friends will be. He will spoil you tremendously because he knows his ex wife will find out.

Cook a Dinner and run out of Milk

Cook a delicious meal for him, and wear just about the sexiest thing you can. Ohh, tell him you need to buy some food from the store and can you borrow some money. You Sugar Daddy will be mezmorized by your cute outfit and give you the black america express. Have Fun!!!

Wear a skirt cross your legs and ask politely

Always show a little leg and cross them so you look elegant. It is much easier to give money to a sugar baby that is elegant than sloppy.

Workout together and be amazed at what he can do

When working out together be his personal spotter of course be sure to wear some tight pants and proper athletic attire. Be mesmorized at how athletic he is and continuously grab his arms. Sugar Daddies love that and it will make them feel like a Super hero. By the end of the night a expensive dinner and entertainment will be yours for the taking.

Never Pick up your Cell or Home Phone and tell him your cell phone sucks

This is a great way to receive a new cell phone from a Sugar Daddy, just tell him you have been meaning to get a cell …

Calculate Pain And Suffering The Right Way And Settle Your Car Accident

How to calculate pain and suffering? This is a difficult and controversial issue. When you are in a car accident, the insurance company wants to get a written document that releases any and all claims against the person that caused your damages and injuries. To get that release, the insurance

adjuster must compensate you adequately.

You are entitled to special damages (medical bills, wage loss, medicine, etc.) and general damages (pain and suffering, loss of consortium, physiological injuries, etc.) Most of the time, calculating the Special Damages is not very difficult and there is not much debate over the value of the medical bills, wage loss, and other medical expenses. You can add them all up and submit your receipts. However, calculating general damages, which includes pain and suffering, can be very difficult.

How much is your headache worth? Depends who you ask. If you ask the insurance adjuster, she will tell you about $5. If I ask you, then it is probably worth much more than that.

Personal injury attorneys use the medical bills or all “special damages” as a way to calculate general damages. Some multiply the medical bills by two, other by three or even four times (depends in your

jurisdiction). This is only a rule of thumb. The insurance adjuster will fight you and will tell you that that is not an accurate way to calculate pain and suffering. There are no laws that will give you a formula to calculate the value of the injury.

Simply multiplying your medical bills will not yield an accurate number. You could have an injury with medical bills of $2,000 but the pain and suffering be worth much more than three or even four times that value. For example, a fifteen year old girl that suffers a cut in her face, leaving a scar from her eye to her chin. Medical bills for stitches and cleaning the wound might not be very much, but the psychological injury of growing up with such injury could be worth much more.

Multiplying the medical bills is not very accurate when assessing the value of pain and suffering, however it can guide you. Remember that there are many more claim than just “pain and suffering” in a car accident. You can ask for loss of consortium, loss of earning capacity, loss of quality of life, etc. For a detailed list and explanation of each type of claim, visit http://www.auto-insurance-claim-advice.com/bodily-injury-claim.html. All of these claims can add to a lot of money. Most people forget to ask for any of those types of damages. Insurance companies do not explain the process and they just want a release for any and all claims, including all those damages you forgot or did know to ask for. Insurance companies do this on purpose. Be aware.

Insurance adjusters are ready to tell you that the value of the injury is separated from the accident itself. They are trained to argue that they are settling for the neck pain, not …

The Pros and Cons – Small Business Review of 5Linx

Why Read This 5Linx Review?

I don’t work for this company, nor am I a distributor. I’m an Internet entrepreneur and a business expert from the school of hard knocks as well as a traditional MBA. I have over 2 decades entrepreneurial experience in various businesses, primarily start-ups and am writing this so you can make your own decision about 5Linx as a business opportunity.

5Linx provides technology through a traditional Network Marketing business model. I see a huge opportunity for distributors in this company and will tell you exactly why at the end of this review.

Time and money is required for any new business. A lot of each. Network Marketing is different in that the costs to begin are typically less than other options. Never the less, you’ll need a mindset for success and the ability to really focus and get things done on your own.

The company offers an excellent plan for compensation and has a good, solid management team. I believe there are opportunities here to make a decent income if you understand how to market this company utilizing new technologies and marketing systems.

Read below for specific details.

Explanation of the Review

Reputation

I really found no complaints about this company. I did find a handful of ex distributors that had switched to another company but all were professionally handled.

Looking online at the FTC (Federal Trade Commission) site revealed no outstanding complaints, either. The Better Business Bureau (BBB) in Rochester, NY, showed dozens of complaints, all resolved. No government action or ad infringements currently existed against the company.

Years In Business

According to the BBB, the company has been in business since January, 2001. A safer bet is a company that has been around for several years since most companies will fail within the first 12 months.

5Linx Review: Management

This company has an impressive management team with expertise in the appropriate areas of technology as well as network marketing. Personally, I prefer a management team founded in sales. Companies lacking sales aren’t in business for long. This business meets the sales criteria.

Craig Jerabeck, CEO and President has been with the company since 2001. Mr. Jerabeck has a vast background in cellular retail sales and management prior to his entrepreneurial experience.

Jeb Tyler, Executive Vice President – Marketing, holds a degree in Business Administration focused on Marketing but the corporate website says very little about his experience elsewhere. Mr. Jerabeck’s experience probably compliments Jeb’s.

Jason Guck is the Executive Vice President of Sales and has many years experience directly associated to Network Marketing which is a good tie in for the corporate team considering their business model. Mr. Guck has had considerable success building sales organizations prior to his experience here.

5Linx Review: Financial Stability

At the time of this writing, the company is privately held and listed on INC 500 as one of the fastest growing companies in the country. Not a bad sign. The company has experienced over 800{4917788a0bd7aa7369c2a945027b4fe6c9853cda4150a24fe1255b18ce3083dc} growth …

6 Primary Causes For Import Export Business Failures

If you want to open up your potential earnings market and live the life you have always dreamed of, then starting your own import export business may be the answer. However, most businesses fail in the first year, and this field is no exception. There are many factors at play which lead to failure. Of the most common, all are linked through good old-fashioned laziness. Not having a head for smart business on your shoulders will lead you down some pretty unsavory paths and ensure the failure of your company. But just what paths guarantee your derailing?

Committing to an unproven product. Before you commit to things such as pricing and inventory, you better make certain that there is a market where you are for that product. If exporting, you want to make sure that the target area understands the product, and above all, that your over and under is financially favorable. Too many people grow eager with the possibilities and venture out into untested waters without any of the essential legwork.

Not engaging in reputable payment transactions. Online payment transactions such as those overseen by PayPal are very useful in protecting you from the dangers of fraud, but you’d best be prepared to give up a significant portion of your earnings from transaction fees. If you’re serious about running your business, it is far better to initiate and conduct the process through a financial institution via letters of credit. This ensures that the product purchased is the product preferred, and it also makes sure payment is received and valid before final delivery can be made.

Refusing to research a potential business partner before working with them. Over eagerness kills the small business person every day. The Internet has made it easier to reach a global market, but don’t let that give you unrealistic ideals. Make sure you can verify the legitimacy of your partner before you agree to transfer funds or product.

Failing to investigate the area where the export import transaction will occur. There may not be a need for the product, no matter how good it is. There may also be risk factors at play such as unusually high tariffs initiated by that country’s government, which eat into or deplete your profit margins altogether.

Not meeting all the government standards and regulations for transferring materials over borders and through customs. It is not uncommon for materials to be confiscated and for your company to bear the brunt of the financial and legal ramifications. Keep this in mind before you agree to trade.

Tax failures. Just because you are receiving monies from overseas, that does not get you off the hook for domestic taxes. Factor this in when determining a product and price, and avoid the unpleasant surprises that come with ignorance.…