Drinking Shakes Because Im Too Busy to Cook

As a busy professional, I rarely have time to eat a full meal. I realize that my nutrition habits are horrible, and I really want to do something about it. I know that if I continue to eat like this and mistreat my body, I will have serious health issues in the future. I don’t want to get to that point, so I am trying to be proactive and find the best meal replacement shakes available. I think that using meal replacement shakes is a great way to ensure that I’m getting all of the vitamins and minerals that I need, even if I don’t have time to carefully planned out each and every meal myself.

At first I did not know what to think of meal replacement shakes. I knew that they existed, but I didn’t really understand how they fit into my lifestyle. After learning more online, I figured out that these types of products aren’t just for people who want to lose weight. Continue reading Drinking Shakes Because Im Too Busy to Cook

Reducing the Chemical and Artificial Load in My Life and Home

I have never liked cooking in aluminum pots or pans, and I do not like having aluminum in my deodorant. I have no idea if any of the stories about aluminum being a health hazard are true or not. Just the fact it has been brought up concerns me. So, I avoid it. I prefer my cast iron skillets and pots anyway. Being a vegetarian, it helps me increase my iron intake. I do not need to increase my aluminum intake. I looked for the best deodorant for women that does not have any aluminum in it.

I do not have any sensitive skin issues at all. I can use any sort of commercial deodorant/ antiperspirant. I have when I was younger. Continue reading Reducing the Chemical and Artificial Load in My Life and Home

A New Chance to Make Money Happened for Me

When I decided that I need a way to bring in more salary so that I could live life a little easier, I found myself at a loss as to what I could do. Then, sadly, my grandfather passed away. It left me brokenhearted. Soon after, I was told that he had left me his apartment building. I was stunned. Aside from needing some help with air conditioner installation in NYC to replace the old unit, the place was in fantastic condition, as far as old buildings go in the city. I found myself wishing that I could thank him for the wonderful gift.

My grandfather had the building for about 40 years. It served him and my grandmother well. He had bought it during a particular time when real estate was not moving very fast, so he got a fantastic deal on it. Continue reading A New Chance to Make Money Happened for Me

I Feel Like I Found Something That Works Well

It was far too easy for me to think of myself staying the same all through the years. You have such a young body that can move and do so many things in life so easily for decades. But then you hit a certain age in life and suddenly you notice that your body is slowing down. You can’t run as fast. You are not as physically fit, and so many other things. And then, if you find out that you are having trouble in the bedroom with your own wife, it’s frustrating. I now use Vimax pills to solve that issue, though.

My wife said that she noticed that she is slower at so many things in life now. It seemed to hit here a bit earlier than it did me. Continue reading I Feel Like I Found Something That Works Well

How to Find Owner-Financed Business Properties

If you’re looking for business properties but you’re not sure you want to go through the hassle of using a bank and getting a traditional loan, you may want to consider owner finance business properties. You’ll have more options that way, and you can address specifics like what type of down payment you have, the interest rate, and whether the payment terms can be made to be flexible. Often, an owner-financed property has more opportunity for flexibility than a property that’s financed by the bank. It may not be reported on your credit, though, so you can’t always improve your credit rating or build up your score by financing with an owner.

Where to Find Owner Finance Properties for Your Business

There are plenty of places where you can look for owner finance business properties. If you do a little bit of looking around, you’ll see that you don’t even need to go through a real estate professional to find one. Many of these properties are for sale by owner, and you can contact the seller directly. Web sites that offer collections of these kinds of properties and allow sellers to check them out for free are becoming more popular, too, so don’t discount them. The important thing is not how you find the seller, but that you locate the right piece of property for your business or for investment purposes.

Whether you’re going to use the property for your own business or whether you’re going to buy it and be a property owner to someone else’s business, financing through the owner makes it much easier to get the kind of property you’re looking for. You can get terms that you feel comfortable with, and in a tight economy where things can change rapidly, that’s a very important consideration.

What to Look for in an Owner Finance Property

If you’re seriously considering owner finance business properties, take the time to choose the right one for you. Even if the financing that’s being offered sounds like the best deal available, you may still want to look around a little bit and see if there are other options. Don’t jump into the first deal that’s offered to you, because you may end up with a huge case of buyers’ remorse later on when you see another property that you know would have been a better choice for you.

Overall, you want size and location with owner finance business properties – just as you would with any business property. You also want to look for a good price, and you should check out comparable properties to see if the asking price is a good one or if it’s overpriced for what you’re getting. Beware of places that are severely under-priced, too, because it could indicate a serious problem that the owner may be trying to conceal from you in the form of a ‘great deal.

CIT Group – Retail Financing Business Failure May Mean an Un-Merry Christmas

One of CIT Group’s specialties is providing financing for apparel and furniture manufacturers and other suppliers with a long wait from procurement of supplies to manufacturing to delivery to retailers until invoice payment by retailers. Cash flow and working capital keeps the supply chain flowing. There is much anxiety on the part of retailers about an interruption in the supply chain that would come about as a result of an interruption in cash flow along the value chain. To the suppliers and manufacturers, their very business survival is at risk. The concern for many is how they can continue to meet payroll.

The big year end retail season is fast approaching. The apparel and retail industry is generally one season ahead of the actual calendar season. But months earlier, they are already planning and strategizing on how to best navigate the Christmas holiday. That’s when the majority of retail sales revenue is generated. Now is the time. And the supply chain and value chain needs to be functioning. Business cash and cash flow is crucial.

What is Factoring?

Receivables are business assets, assets which businesses can use to get cash and working capital. With factoring or accounts receivable financing, the business owner sells customer invoices in exchange for cash advance in as little as 24 hours. This is a big improvement over the 60 to 90 days that retail industry suppliers must wait to get paid. Everyone in the supply chain has already had to have sufficient cash flow and working capital to carry them through until their invoices are generated. Then it could be another 60 to 90 days until there is an inflow of money to fuel continued operations.

With accounts receivable financing or factoring the business gets qualified for cash advances by its customers. Factoring companies purchase business receivables in exchange for providing immediate cash to the business owner. As part of the factoring transaction, the factor or funder or funding source has to the right to receive the A/R invoice payment directly from the customer. After the customer pays the funder, the funding source then deducts the discount fee and remits the balance of the A/R money to the business owner.

The Good News

The cash flow industry is in the business of providing cash advances against future assets and cash flows. Invoice or Receivable Factoring is the original and probably the largest cash flow product. While banks are tightening their money and lending criteria, there is still plenty of money in the cash flow industry. Alternate ways of financing business must be considered as the US Government money dries up and the national deficit and debt continues to rise. Not sure that the fiscally fit factoring companies could absorb $42 billion worth of factoring business. Hopefully that theory won’t be tested. CIT Group, Inc is being rescued by private financing

Entrepreneurs Find Personal Loans Can Help Finance Business Startup Expenses

Being short-term loans that assist your immediate cash needs, personal loans can help finance business startup expenses. Typically personal loans are a single payout loan with a high rate of interest. The borrower usually returns the loan with interest in one go rather than paying monthly installment. In general, personal loans are not recommended due to their high interest rates. A borrower may find it difficult to repay the whole debt in a single shot, however, with business startup’s the case is indeed different! Let us see how different finance options can save the day for business startup’s.

Typical Business Start-up Expenses

Once you have decided to start a business you will most likely have a solid business plan that will detail your initial financial requirements. Typical business start-up expenses can be broadly divided into overheads and variable expenses. One thing that remains constant with almost every new business, is that you need some money to purchase inventory, lease a building, start an advertising program and work towards your first sale. Personal loans are extremely useful in financing those overhead expenses that usually occur at the beginning as a one-time cost. Variable expenses are those that continuously occur in the process of conducting a business and are generally tied to sales projections.

For instance, in case of a software business start-up, the administrative costs, licensing costs, initial infrastructure setup cost would constitute overhead costs. On the other hand client visits, traveling for demonstrations etc. would constitute variable costs that will keep occurring every time there’s a potential client and may not be predictable. Also, irrespective of sales, overhead costs will still remain to keep your setup active!

Before you borrow any money, it is vital to have a repayment plan as well as projected business plan, to understand how your cash flow will operate. Once you segregate your expenditure into fixed overhead costs and variable expenses, you need to sort out the expenses that will be one-time events. A business loan or credit line can help with these one-time costs provided your business is able to afford it once projected sales begin to be realized! You need to anticipate all possible scenarios and ensure enough cash flow over the period of few months before you take a personal loan.

Types of Personal Loans

The beauty of this financing, is that it often can be obtained with or without security collateral. A secured personal loan involves borrowing against an asset such as your property. If you default on your repayment, the lender can claim your asset! On the other hand, unsecured financing, does not need collateral, however, the lender generally protects his loan from possible default by charging you a high rate of interest. In the event of a default, the lender may resort to legal channels to recover the amount.

If you are confident of repayment, it is best to go for a secured personal loan wherein you can negotiate a low annual percentage rate (APR) while pledging your property or car or any other asset.

If your business startup requires funding that cannot be met by a single personal loan, you may even borrow more than one loan. The more you expose yourself to the debt scenario, the more financial risk you’re exposing yourself and your business to. It is important to conduct thorough research and prepare for contingencies. It is always best to dig into your own savings or borrow from close relatives if they’re willing and able however, for those that need instant cash and a huge amount at that, a personal loan could be a lifesaver. In fact, if you successfully repay your personal loan within the stipulated time, you could even get a good credit score which in turn will be better for the future of your business!

Financing Business Opportunities With Fewer Restrictions

Opportunities in business can be exciting but frustrating if you don’t have the cash required to take advantage of them. On one hand, this opportunity could be too hard to pass up because of the potential growth possibility, but, it can also mean accepting the often onerous terms of the lender to acquire the cash needed.

Owners can choose from small loans, factoring or a new twist on receivables financing. The least restrictive to the business owner is the receivable financing solution. It offers an online auction marketplace designed specifically as an outlet for small to mid-sized businesses to accelerate positive cash flow while maintaining complete control of the transaction.

This online receivables marketplace allows businesses to sell their commercial accounts receivable through auction. Financing opportunities in this manner is similar to factoring but the transaction is entirely different.

The auction platform gives greater control to the seller of the receivables. On the contrary, factoring allows the factor to set the terms, including advance amount and fee. In addition, the arrangement can often carry with it an all-asset lien, which requires that all of the invoices from a particular customer be included and that your customer be notified that your receivables have been sold.

Factoring can come at a high cost with many restrictions. With factoring, not only do you lose control of pricing, but by notifying your customers, you can potentially place the relationship with your customer at risk. Seller determine which invoices to sell, the minimum advance amount and the maximum discount fee they will pay.

Also, their customer is not notified, meaning the Seller retains the relationship. Once the accounts receivable are posted to auction and the auction goes live, buyers-a global network of accredited institutional investors-bid to purchase these invoices in real-time, ensuring a competitive cost of capital.

Loans can also be quite restrictive and time-consuming for small to mid-sized businesses-and that is if they can get approved. This loan process can often take weeks and months of gathering information, filling out applications, interviewing with the loan officer and then waiting for his answer just to find out if your company has been approved.

By the time the money is made available, the price of the specialty equipment or added resources you needed has gone up, the prospective employee has found another job or the larger office space has been snapped up by another business or worse, the competition.

Another limitation of financing business opportunities with a traditional loan is that the bank sets all of the terms- the rate, payment amount and penalty, and what collateral is required. Restrictive covenants are often part of the loan terms as well.

These clauses allow the bank to dictate the actions of the business in order to satisfy the loan requirements. It protects the lender by enforcing financial compliance of the business. If anything significant changes in the financial health from the time the loan is issued, the bank can call in the loan-worse force you in default which could lead to bankruptcy-because the covenant has been broken.

By using the online auction marketplace for trading receivables, the seller gains quick and flexible access to working capital without these restrictions and without taking on additional debt. Another attractive aspect of this alternative working capital solution is that the seller can potentially receive funds in as little as 24 hours.