Unsecured Business and Start Up Business Financing Options

By Michael Tuttle

Whether you're an established business in need of working capital, or a start up business in need of inventory and equipment. Our services will provide you the capital necessary to energize your business. Choose from a variety options available to you.

Business Line of credit-a fixed rate credit line that never goes away. Business Unsecured loan-Lump sum financing without using your assets.

Business term loan-perfect for that one time purchase.

Business equipment loan-Ideal for start up businesses or existing businesses that want to replace or upgrade equipment.

Whether you're an established business in need of working capital, or a start up business in need of inventory and equipment. Our services will provide you the capital necessary to energize your business.

Business Line of Credit
When your business is in need of capital right away-whether it's for working capital, business growth, or business acquisition-A Business Line of Credit can be a very useful option.

• Business Term Loans Get a Business Term Loan that best suits all your business needs, whether you want to purchase equipment, consolidate debt on outstanding business loans, Start up your own business, and much more...

• Business Real Estate Loans
Do you want to buy or refinance a commercial piece of property? Business Real Estate Loan will help you do just that.

Owning a home means more than having a house. Homeowners enjoy certain money management options-mortgage refinancing, for example. You might choose to refinance to:

• Lower Your Monthly Mortgage Payments* Mortgage refinancing at a lower interest rate could put breathing room in your budget.
• Pay Off Your High Interest Debt Mortgage interest rates are typically lower than credit card interest rates.
• Take Cash Out Medical bills, college tuition, home improvements: mortgage refinancing could be a solution.
• Create Tax Deductions† Home refinance loans could offer tax relief.

Whether you want to simplify your finances, fix up your home, or pay for a dream vacation, we can help you achieve your goal with a personal loan that's right for you. It's an unsecured personal loan - so you don't use the equity in your home.

• Debt consolidation
• Home improvement
• Healthcare Financing
• Dream vacation
• Weddings and special events
• Flexible term personal loan
• Revolving personal loan

And You Wonder Why Americans Are Broke?

By Maggie Mcgary

A month ago I wrote about Americans who, despite carrying an average household debt of $8,500, continue to spend, spend, spend and rack up further debt. It's apparent--at least to me--that we have no problem spending money, even if it's money we don't have.

With that post in mind, do you recall recently getting a letter from the IRS informing you about the new "economic stimulus plan" and the resulting $600 (single) to $1,200 (married filing jointly) check that will soon be coming your way? Clearly the way out of the economic toilet this country is in--which, by the way, is a direct bi-product of Americans spending more money than they actually have--is to encourage people to spend MORE money.

God forbid the IRS send a letter saying that the reason the country is perched on the edge of a recession is because you people don't know handle your money so we're going to send you $600 and you're to put it towards any credit card debt you have or, if you don't have any debt, deposit it immediately in your savings account.

No, instead our fearless leader tells us that if we go spend this money it will "boost our economy and encourage job creation." Uh, yeah. For many American families it will play out like this:

"How are we ever going to pay off this $25,000 of credit card debt?"

"Hey--a check for $1,200 just magically showed up in the mailbox. Let's go buy a new TV! And everyone knows you can't get a good TV for less than $2,500 so let's just put it on the credit card and go do something fun with the $1,200."

The government knows that if they give people any length of rope at all, many of them will use it to further hang themselves financially. What a masterful plan: using consumers as pawns to "stimulate" the economy by saddling themselves with more debt--and acting like you're granting them a great favor in the bargain.

Oh, and how about the irony of the whole thing: this generous government subsidy comes at a time when Federal budget deficit is already up more than 60% over last year--$263.3 BILLION as of March 12, 2008.

Hey--it's only money.

Maggie McGary works in web communcations and writes two blogs, Mizz Information and Motherwhatnowredux.

Gas Prices - Isn't It Exciting To Burn Your Life Savings?

By Pablo Terreros

Do you remember just a handful of years ago when gas was around $1 per gallon? How terrible were those days! All the money left over in our bank account gave us no choice but to travel with our families, pursue new economic opportunities, and enjoy life in general.

Times are better now, right? After all, gas is almost $3.50 per gallon. Prices on all other items are rising to compensate for fuel costs. And, of course, our small cost of living raise we got at work does not even begin to keep pace.

Where should you take the family on vacation? Nowhere! What recreational activities should you pursue? Nothing! How much should you invest this year? Zero! Why? Simple, all the money for those things is conveniently going into the gas tank.

Ahhh......finally, life is simple again.

I'm sure some people out there long to go back to how things were before, back to the days when we had the stress of deciding where to go on vacation. Well, in the event that you are one of those strange souls who enjoyed having money, what can be done to compensate?

First things first......I think we must realize that gas prices are not coming back down. I know......congress and presidential candidates are screaming and hollering at the oil companies. They are performing their "investigations" to get to the bottom of the problem. Have you ever noticed that they do this every time there is a rapid spike in gas prices? Have you also noticed that nothing ever comes if it?

The truth is that gas prices are the result of many global economic factors. None the least of these is the fact that developing nations are beginning to consume oil in enormous quantities. When demand goes up and production does not keep pace, guess what happens to cost? Welcome to the wonderful world of supply and demand.

So, again, what if you want to leave the simple and peaceful life of struggling to make ends meet and return to the stress of having more than enough money? Well, you need to either reduce your consumption of fuel, increase your income, or both.

There are several ways you can reduce your fuel costs-even without buying a hybrid. You can reduce the number of days you drive to work. I'm sure your boss wouldn't mind if you only showed up every other day.

You could also consider eliminating other sources of fuel that really are not needed-like electricity. Turn the air conditioner, the lights, and the fridge all off. People survived for thousands of years without these and I'm sure you wouldn't notice if your air conditioner didn't run anymore......especially in August.

However, if you feel that those suggestions are impractical, you can simply increase your income. I'm sure your boss will understand when you demand a very large raise to keep pace. Don't forget to ask for enough to compensate for the increased taxes you will have to pay.

If a direct raise doesn't work, perhaps request that your boss pay for your fuel to and from work. Simply keep a journal of how much you drive to and from work, figure out your fuel expenses per mile, add in some extra to donate to the IRS, and then insist your boss add that to your check every payday. I'm sure this will not only work, but your ingenuity will probably get your boss to give you a promotion.

Of course, if you really wanted to return to the stress of financial abundance, you need to do BOTH in a way where YOU are in control. That means reducing your fuel expenses AND increasing income without having to consult with a boss.

Taking this route probably means starting some type of internet business. For those who want to have no choice but have the money for vacations and other activities, this moment in history provides an opportunity that has never existed before.

Of course, you're going to need to learn how to do this. That's really not a big deal as it is simpler than many people think. Most of it is also free, which will be appreciated by those who are trying to keep money in their pocket.

The best thing about an internet business is it allows you to increase your income, spend ZERO money for gas because you are at your home, and you are your own boss.

So there you have it! Most of us will continue to enjoy the peace of not having to make any financial decisions because the money is simply all burned up by the gas tank. However, for those who feel the need to run from this peace, the internet has come along at just the right time to allow you to maintain your previous standard of living.

If you are ready to return to the stress of not caring about gas prices, and would like to see if you qualify for an internet business, call Pablo at (863) 658-4045 to request an interview.

Government Grants - What Can I Use Them For?

By Candace Crown

The government has over $350 billion dollars to give away in grants. There are about 1500 federal grants out there, ready to be given to those who deserve it. Anyone who meets the requirements can apply. It is up to you to find out if you qualify. There are millions of dollars that go unclaimed every year because people don't know the money is out there. All you have to do is make sure you qualify and apply to all the grants you can.

We hear these kinds of things all the time. But what is anyone doing about it? Many people don't apply for the grants because they don't know what they are offered for, or who they are offered to. There are all kinds of grants out there. There are four large groups that the majority of the grants go to. The more we know about government grants, the more likely we will be to receive one.

Government grants are offered for many different things, the largest budget for grants goes to small business grants. These grants are for the entrepreneur that is trying to start out. Every new business needs some money to start off. The nice thing about grants is that you don't have to pay them back. When you get a small business loan, you are able to start out, but you spend a lot of your time trying to pay back on the loan, and the interest of that loan. With a government grant you are able to get the money, start your business, and keep the money you are making. The next largest group is that of non-profit organizations. Even though the organization is not going to be bringing in revenue, it is expensive to start an organization like this. You need a lot of funding in order to start one up. It takes a lot of time, dedication and money. The government gives out grants for the starting of organizations like this.

The next group that can receive funding from the government is that of research and development. When researching a big project, a lot of time and money goes into everything. Money is needed to get supplies, and to perform the tests. This money can come from government grants. The government is in support of research and development. The government wants to see this country grow, and they are willing to help pay for that growth, through grants.

The last large group for government grants is that of college students. There are many students who are having a hard time finding funding for college. There are scholarships and loans available to students. Government grants, unlike student loans, do not need to be paid back. Grants are much like scholarships in the sense of them being like "free money". Grants, however, are given by the government. Scholarships can be from various organizations. The smartest thing for a student to do is, to apply for both scholarships and grants.

There are certain websites that are designed to help with applying for grants. There are sites that have been designed to help with applying for specific grants. For example, if you want help finding a college grant, you could go to a site like http://www.college-grants-now.com Go to the sites that are specific to the grant you would like to receive. You will be more successful when you are working with people who know the requirements for your type of grant.

All government grants have requirements that have to be met. You can not qualify for any grant. There are conditions that have to be met. Money does not grow on trees, but it is pretty readily available from the government. All you need to do is find a grant that works for you, apply and wait to hear the news.

Discover How to Learn the Significance in Financial Education

By Rauf Mohamed Yusope

It is amazing on the lessons that you can learn from financial education. The knowledge is wide on the concept of financial education. There are many great lessons that one can learn from it to grow and personally develop themselves.

For example, financial education can highly enable individuals to learn the importance of being organized. Organization can come in many different forms. For example, individuals can learn that financial education teaches to be organized in allocating their assets. Such focus can enable them to understand that accumulating assets can come in the form of real estate, business and paper assets such as stocks etc.

Once individuals understand this, it can enable them to understand better the concept of leverage. Leverage can come in many different forms as well. For example, leverage in business can come in form of leveraging on work from home and internet to accumulate and grow wealth. Individuals can understand that their abilities to leverage on tools such as internet which can be said as cost effective and targeting to large users of the internet can enable them to gain more wealth and impact others positively as well. Financial education also can teach individuals to understand the importance of managing expenses and maximizing profits. Through financial literacy in understand financial statements, individuals can learn terms in financial statements and manage their assets, liabilities and expenditures well. It, for example, one can learn that a positive cashflow in the financial statement indicates the ability of the business to sustain in the long term. One can learn that this is important. The lesson here is that a business can be a simple concept but with good management in the assets, liabilities and expenses, it can lengthen the business life period.

Another great lesson in financial education is that it can enable individuals to learn greatly the importance of dealing with emotions. It can be interesting as one can find out the emotions attached to them when dealing with finance. One significant lesson here is individual needs to be clear and deal with their emotions well when dealing finance. Through financial education, it can enable individuals to become better students in such areas and develop better with more confidence in dealing with finance.

Financial education can come in many different forms. For example, it can come in the forms of mentors such inspiring figures, reading of books, research of such topics and playing financial board games. As such, one can learn that learning about financial education can be a fun and exciting experience.

Visit Author's Blog for educational tools on areas such as home business, entrepreneurship, financial education, internet development and personal development for success.