Saturday, November 7, 2009

Are you Tired of having NO money to Grow your Business?

• Are you tired of being turned down by your friends and family when you ask for money to help you get your dream business off the ground?

• Are you tired of your paycheck not being enough to pay both your personal and business bills?

• Is your financial security in danger because you can’t fund your business needs?

• Do your credit scores stink because you are overextending your personal credit cards to pay for your business expenses?

• What is it that stops you from having the money you need to make your business a success?

• How do other people get money to get their company off the ground?

Are these 7 questions at the core of your frustration? Do you feel like all you really need is just some business advice to get going on the right path? I think I can help you.

I’ve written an e-Book that spells out step-by-step instructions on how to get your business established so that you can stop using your personal credit and destroying it by overuse.

My e-Book explains the critical factors in business entity set up that are required by most lending institutions. Leasing companies, vendor credit (like Home Depot), and financial institutions are all looking for a certain “picture” of a business when they are considering lending to a company. If you don’t fit in this “picture”your business will be denied credit.

Take a moment and check out my website http://www.susansbooks.com. You will see what I offer to assist you in understanding the sometimes confusing, and always frustrating world of business creditworthiness.




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Tuesday, October 27, 2009

How to Avoid Phishing

Phishing scams are a type of scam that involves tricking an unsuspecting user into divulging account information to the scammer. Typically this happens when the scammer sends an email disguised as a legitimate business, usually some sort of financial institution. The email will look official, including the official graphics from the legitimate business that is being copied. And the message will normally contain some kind of distressing news, like the detection of suspicious activity on your account.

Readers see the official-looking message, are worried by the message, and immediately click on the link to take action, like dispute false charges on a credit card, or try to get an account re-opened that has been temporarily closed. Keep in mind that there really are no false credit charges, or the account has not been closed. But readers are worried, so they click to fix the situation.

They will be taken to a very official-looking site...one that looks exactly like the real site of the business the scammers are copying. For example, if the scammer claims that your PayPal account has been temporarily suspended and that you need to 'click here' to login and correct the situation, the screen to which you will be taken will look just like the official PayPal site. There, the reader 'logs in', by entering their login and password onto the screen. Once that information is sent, the scammer then has captured the reader's login and password. (The form was not really a login form, but a form to store the login and password into the scammer's database for use later.)

So, how can you avoid these clever phishing scams?

It is simple.

Never, never, NEVER click on a link from an email.

Let's assume that you received an email that looks like it is from your specific credit card company, stating that some fraudulent charges have been detected and they need you to 'confirm' that the charges are not yours. DO NOT CLICK from the email!!

If you are really worried about the contents of the message, why not just call the Customer Service number on the back of your card? Or login directly (NOT through clicking a link) to the site. All of the financial institutions, or places like PayPal and eBay, have internal messaging systems. If they want you to receive an important message, they send it to that mailbox, too.

Protect yourself from phishing scams...never, ever, click on a link from within an email message to respond to a business message.






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Search Finance - Tips You Must Follow to Succeed

When you are looking for sources or information on finance, it is advisable that you conduct thorough research so that you have all the accurate facts. There are various sources where you can search finance. One of best places to start is the Internet. You will have access to various alternatives and get a lot of information that will cover all the aspects of finance. You need to have a reliable Internet connection and know how to use the search engines to your advantages.


When you want to do research on finance, all you have to do is go to the Google website and type in specifically what you are looking for. When you do this, you then get a list of the different aspects of your topic. It is now up to you to choose the one that matches your search closest since each one of them have a brief description of the topic.

So if for example you are looking for finance firms, you will get a list of the firms that are available. You can also look for information regarding where to get funding for a business that you want to start or even where you can get money to buy a home. The Internet will offer you a variety of choices that will help you get a deal that works best for you.

You can also learn about the different investment choices that are available and how to invest wisely in the short and long term. If you are not too keen on the Internet, you can also choose to access finance information in finance magazines and books. There are experts here who can give you great advice on how to make wise decisions in regards to your finances. Depending on your need to search finance ensure that you get all the facts so that you are able to make informed choices.





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Finance Class, Knowledge is Power

For anyone seeking knowledge in different aspects of life, it is important to understand that it is an unending cycle since it keeps changing and growing. This is to say that even if you are an expert in a particular subject, there is always going to be something new to learn. This also applies in finance. Anyone can enroll in a finance class for a variety of reasons like to get the basics about finance, to learn how to manage their finances better or even as part of a degree course.

If you have some free time and you want to expand or polish on your knowledge, then a finance class is a great investment of your time and money. If you have no idea of how to manage your money, make investments and save then these can be a good place to start. It is important that before you start these courses, to do some research so that you are in a position to select the class that will give you the most benefits.

You can look for the institutions that offer these services online and the particular courses that are on offer. In addition, there are online classes available and you no longer have to leave the comfort of your home to learn something new. There are classes for students and even for the consumer. In addition, you can also choose to go for an online personal finance class, which can be really good especially for young people who want to prepare themselves for their financial future.

These courses are tailored for the day-to-day consumer activities unlike the college ones that concentrate on the business side. Finance classes are a great way to enlighten yourself on how to manage and grow your money but the real lesson is given by the materialistic consumer world.

Mercy Maranga writes content on Finance and Finance Management. Visit her site here for more information on Finance. Finance Class






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Capital Finance, The Way to Go When You Need Funding

At one point or another, many people require funding to start up a business or project or even to purchase an asset. However, most of the times they do not have the required capital to do so. Sourcing for resources can be nerve racking and hectic. You should not give up though there are many sources of capital available if you do some research. If you want to achieve financial freedom you may have to take some risks but they should be calculated. You should always look at your finances before you venture out to look for alternative means of funding.

However, if you do not have a lot of money saved, you may have to borrow. Many people approach banks and other lending institutions when they need capital finance. You will need to have a solid business plan, accurate cash flow projections, collateral and in addition they will scrutinize your credit to see if you are a risky venture. You can choose to apply for a state grant.

What you need to know is that hey are highly competitive and you have to strictly adhere to the rules and regulations of how the money should be spent. The chance of you getting one of this is limited so it is advisable that you keep other options open. Venture capitalists have been known to also be a good source of capital finance. There are specific qualifications that they look for when they want to invest in your business.

You need to have a good management team and a rapid growth plan in order for the venture capitalists to be interested. It is not too difficult to get financing for your business or personal projects since there are many options available. You have to choose the option that suits you best based on the repayment, liabilities and flexibility arrangement.

Mercy Maranga writes content on Finance and Finance Management. Visit her site here for more information on Finance. Capital Finance






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Finance Data - Where to Get It

There is information on finances in many areas you just have to know where and how to look. Finance data helps you keep up-to-date on matters that deal with money. When looking for information, it is advisable that you check online. Here you will have numerous options available to you and all you have to do is sift through and get what you think is important. Financial experts can also give you information on various aspects of finance that can help you when making decisions regarding your money.

They will also give you facts and statistics about investment opportunities that you may be interested in. These experts are there to make the whole finance mystery easier for you to understand. You can also visit your local library and look up books on finances. In addition, there are many magazines and publications with a lot of financial data that has been written by qualified experts.

The information that you gather from these sources guides you when you want to make certain decisions regarding your finances. When dealing with personal information regarding your finances it important that it is protected so that it does not fall into the wrong hands. This is because the information contained is sensitive and it is not a good idea if too many people know about your finances.

You should store your data in a secure yet accessible location. If you do not have a safe place in mind you can acquire the services of a financial firm that you feel can take care of your financial portfolio. Your data also gives you an idea of how you are progressing financially and will let you know where how to improve.

Mercy Maranga writes content on Finance and Finance Management. Visit her site here for more information on Finance. Finance Data






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Many Find Free Grant Money

Since the start of the recession, more and more people have been trying to find free grant money and some of the lucky ones succeed. The government allots billions of dollars each year for different grant purposes, but most of us have no idea that they are even available.

We all know that the government is very good at doing a lot of talking and saying nothing. And this is also what they do when it comes to giving out grant money. Sure they have a bunch of that money put back just waiting for the right person to apply for it, but they forget to let most of us know anything about it, leaving it up to us to find free grant money by ourselves.

That is why it is important to follow these steps, if you want a chance at some free government cash:


Decide exactly what you need a grant for. Is it for school, to help you start a business, to buy a home?
Find out the exact qualifications for the grant. Is the grant you want based on income, nationality, or location?
Be sure you qualify for the grant money. Don't start applying for a grant that you do not even qualify for, as you do not have a chance at getting it.
Find out what the deadline is for the grant you want. Nothing would be more frustrating then finding a grant that you qualify for, filling out the application only to miss the deadline. Even if you miss it by a day, you have missed it.
Make sure you fill out the grant application exactly as stated. Even one spelling or grammar error, could disqualify you.

Remember, it is up to you to find free grant money, as no one will come knocking on your door with a check just because you qualify.

And since many of us are unable to find free grant money by ourselves, maybe due to not having enough time or the right resources, there are grant finding kits, which can assist you in your search.
Take advantage of the free trial membership from the top grant kits available. One of them may be the help you are looking for, but if you don't try, you will never know.







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