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4 Simple Tests to Find Good Real Estate Investment Properties
You're driving along the road when you spot it. There in the middle of a shaggy lawn sits a disheveled property. It may need a good coat of paint, or a shutter straightened out, but it's easy to see that with a little work it could be a little gem...
Debt Management in the UK
Debt management, as defined in the UK, is a course of action
where a reduction in repayment amount and/ or interest charges
is negotiated with unsecured creditors, when you are no longer
able to meet your repayment requirements.
For some...
Decisions and Negotiating
For a negotiation to end, decisions have to be made. Large
decisions, small decisions, important decisions and mundane
decisions. The process of making decisions is what advances a
negotiation to its final outcome.
People naturally resist...
Negotiate a Raise
Publishing Guidelines: You are welcome to republish this article electronically, or in print, providing you include my byline, copyright notice, and full information from the resource box. Please change my web site urls to clickable hyperlinks...
The Ultimate Short Sale Secret
Buying foreclosures can be extremely profitable for real estate investors. However, most of these homeowners are mortgaged to the hilt. They have no equity, and big loan payments. In fact, many actually owe more than the property is worth! Most...
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Small Business Loan Basics
Many people who wish to start their own business need an
injection of financial capital at the beginning of a business;
the main source of funding for entrepreneurs is business loans.
Let's take a look at what you should expect if you plan to
apply for one.
First of all, you should know that most lenders have their
doubts when it comes to lending money to a first-time business
owner. You're considered a high business risk at this point, and
you should go in to your loan negotiations armed with a few
advantages. Of course, the ideal option is to run your business
for a few years, even just out of your home, and turn a good
profit before approaching a bank for a loan.
That shows that you have the ability to make money and that your
business won't flop before the Open sign shows up on the door.
But if this isn't possible, if you need the cash before you can
begin at all, then chances are you will need to offer some type
of collateral. Collateral can be anything from your car to your
home and everything in between. Depending on the size of the
loan, you may require some pretty hard assets for collateral.
The lender is not interested in whether or not your business
will make money, aside from the extent that will allow you to
pay them back on time. They simply don't want to lose out on the
loan, and so you'll have to find some way to back yourself up.
Backing up your loan with assets, if you have them, is a good
route - provided you have enough confidence in your financial
situation to ensure you are not going to lose your collateral.
If you don't have enough assets to stand in for your loan,
another
option is to find a cosigner. Chances are you won't get
as much cash as you would if you had the assets. But having
someone with good credit who is willing to sign onto your loan
and promise to pay if you don't can be the factor that gets you
through the door. This is a good way for friends and family who
believe in your business to help you get it off the ground, even
if they don't have the money to loan you up front.
When it's time to borrow, do some comparison-shopping among
banks and credit associations, and don't stop until you find the
lowest interest rate possible. You're already gambling a lot
here- minimize the amount you will have to pay back by doing
your homework and choosing the company that offers you the best
deal. If you can't get enough to cover your beginning business
expenses, consider borrowing part of the cash from a friend or
relative if you can, or even asking for investors, such as
customers who believe in your business, to help out. Don't
accept a high-rate, high-risk business loan just because it
offers you the biggest amount.
The small business loan: The first step in a long chain
of financial events. If you take the right step, it could be
your leap into the business world.
About the author:
Joseph Kenny is the webmaster of the loan information sites http://www.selectloans.co.uk
/ and also http://www.ukpersona
lloanstore.co.uk. At the Personal Loan Store you can find
all the different loan
types explained.
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| Negotiation Articles |
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| :: Negotiations Affairs Department :: |
| Information on the issues, history, developments and positions regarding Palestinian-Israeli peace negotiations. |
| www.nad-plo.org |
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