Building a Solid Business Foundation for Financing

The single most important thing a business owner can do for their business is to build their business to sell it.Sell it you ask?Yes. Build to Sell.Every decision a business owner makes should be based on that thought. If an entrepreneur can base their business decisions with that underlying idea (in terms of financing), they will be set up for long term success.The lending institutions base their acceptance or declination on one thing.Is the business an attractive lending risk.There are 20 key points every business owner must have in place to be approved by financial institutions when their underwriting team is determining to approve or decline a loan app. Many of these are small, seemingly meaningless ideas. However, lets take a look at it from the eyes of the lenders.Banks and lending institutions get so many applications from business owners who, quiet frankly, have no business applying for a loan. Their business is not set up to be lent to. The banks are not even viewing these entities as a viable businesses. So the first stage of getting past the computer guidelines is to have these in place.Additionally, if you were to go to the bank and not have these in place, the loan officer would get a two digit code back from the computer system and all it was say was “Loan application declined.” Your loan officer, without investing some time into the issue, would not know exactly what you needed to do differently to be approved. The loan officers surely do not have the underwriting guidelines for their firm.In this article we will examine the top three reasons business owners fail at business credit building and business financing.The first is simply the business owner does not have all the I’s dotted and the T’s crossed in their business. Things like having an 800 number, being listed in the 411 directory, and having a dedicated fax line is a must to a business owner seeking financing. Many business owners I speak with are small businesses, who are just seeking their financing options. It’s impressive to see the amount of businesses that do not even have these first three steps accomplished. Remember, the goal here is to have your business look attractive on paper. In the eyes of a lender, if you do not have an 800 number it is suggested you own a “mom and pop shop” and are not setup for success.Secondly, business owners have not started to build their business credit. There are right ways and wrong ways to go about building your business credit structure. In the eyes of the lender business owners who go out seeking to open revolving lines of credit and are turned down (due to reasons outside the scope of this article) it appears as though they are fishing for financing. It’s imperative to apply for the right types of credit lines and being approved for those lines when establishing your business credit from the get go.Thirdly and most relevant to most entrepreneurs: they have not separated their personal liabilities from their business. It’s important for a business owner to have good receivables in his/her business. But, and what’s equally important, is that business owners personal credit is not tied to the business, in any possible way. There are two reasons why you’d want to separate yourself from your business. If something happens to your personal financial situation, you do not want that to be the reason your business is unsuccessful in obtaining financing. Secondly, should something happen to your business, you do not want that to affect your personal credit.

How to Invest Money Vs Where to Invest for 2015 and Beyond

It is one thing to have a handle on where to invest; but quite another to have confidence in how to invest money for 2015 and beyond. The big difference lies in asset allocation, or how to invest money across the asset classes. The “how to” will depend on your financial objectives, comfort level and the markets in 2015 and beyond.There are 3 or 4 basic asset classes, and we’ll start with where to invest in stocks. Stocks are the growth engine of your portfolio, and most investors should concentrate on large-cap diversified stock funds that pay dividends of about 2%. This way you’ll own a small piece of a large portfolio of America’s largest, well-known companies. For the vast majority of Americans with longer-term financial goals (like retirement) this is how to invest money for growth without excessive risk.To keep market risks lower stay away from low-cap (small-company) stocks and funds; and growth stocks and funds that pay little or no dividends. With the stock market hitting all-time highs, this is not where to invest for 2015, especially if riskier stocks don’t fit your comfort level. Down-side risk is rising for 2015 and beyond, and a market reversal will likely hit the smaller-company and high-growth sector hardest. And don’t increase your asset allocation to stocks in general. That’s not the success formula for how to invest money when prices are high.For most of the people most of the time, a 50% to 60% asset allocation to stocks is commonly recommended as the standard answer to how to invest money for longer-term goals. If retirement is approaching, or this just doesn’t fit your comfort level, a lower asset allocation is your answer to how to invest for 2015 and beyond – for greater peace of mind. If you would sleep better with an asset allocation of 40% or less in stocks, go for it.The second asset class is bonds, and when held in conjunction with stocks they add balance to your portfolio and offset risk. Few individual investors have either the experience or the inclination to sort through bond issues. That’s why professionally managed bond funds are the average investor’s answer to where to invest for 2015 and beyond. With today’s high bond prices (due to recent record-low interest rates) you’ll want to be careful here in terms of exactly where and how to invest money.The answer to how to invest money here: avoid the temptation of higher dividends offered by high-yield (junk) and long-term bond funds. Junk funds pay more due to the low quality of bond issues held and the risk associated with default (of interest payments and/or principal). But the real risk for 2015 and beyond is interest rate risk, and long-term bond funds are high risk in that department; and are definitely not where to invest money in bond funds at this time. Your best bet for risk vs. dividend income: go with medium to high quality, intermediate-term bond funds for 2015, 2016 and beyond.For many years now the financial industry has suggested an asset allocation of about 40% or so in bonds as a rule of thumb for how to investment money for longer-term goals. As we look down the road to 2015, 2016 and beyond keep in mind that there is a bond market and it works much like the stock market. Bond prices and bond fund values fluctuate and usually less so than stock prices and stock fund values. If interest rates rise significantly, bonds and bond funds will lose money. Long-term bond funds will be hardest hit. That’s the way bonds work, and why it is crucial that you know how to invest money in them for 2015 and beyond.If high bond prices and an asset allocation of 40% don’t fit your comfort level, go with a lower asset allocation to bond funds. Now the question is how to invest the rest of your money if your asset allocation to stocks plus bonds adds up to less than 100%. The third asset class is often referred to as just “cash”, or safe liquid investments. As to where to invest for safety and easy access to your money consider a money market fund. As interest rates rise money market fund dividends automatically follow suit. Plus, you can easily move money from fund to fund within your fund family.If you are more adventuresome consider adding the fourth asset class, called alternative investments, to your asset allocation. These are your alternatives for how to invest money to make higher returns in 2015 if the stock market tanks. Examples include: real estate, gold, and natural resources like oil. The good news is that there are specialty stock funds that specialize in these sectors, so that’s where to invest to keep things simple. While stocks and bonds have become pricy, both gold and oil have dropped in price. If either starts to look cheap, that could spell opportunity in 2015, 2016 or beyond.

Tips For Easy Car Transport

If you are wondering how a car is transported from one city to another, you are on the right page. Just like you move your things by hiring packers and movers, you can also choose a car transport service to move your car. This article will help you get ready to have your vehicle transported. Read on to find out more.

Consider the Faculties Offered by the Service Provider

When it comes to moving your car, it may not be possible for you to trust anyone. After all, you can’t hand over your expensive asset to someone you can’t count on. They may end up damaging your car. Therefore, it’s always a good idea to look for a professional car transport service.

Although you may be a good driver, you may not be able to drive for hours non-stop. So, if you want to make a realistic choice, we suggest that you contact a good transport company.

Before you choose one, make sure you ask about the facilities they offer. This will help you get a better idea of how safely they can move your car. In fact, safety is the number one factor when it comes to looking for a good service.

Get your Car Serviced before you get it ready for the move

Once you have found a good service, your next move is to find out if they are insured. In this case, you want to consider the terms and conditions related to the insurance policy. Apart from this, you may not want to forget asking about their service charges. Some shoddy service providers have some hidden charges. So, what you need to do is make sure that there are no hidden charges, and that the invoice offers a list of all of the expenses you have to pay for.

So, if you keep all of these things in mind, you will be able to make the best choice. Although moving a car involves a lot of consideration, the idea is to consider those things that are the most important for you.

Keeping this in mind, you don’t want to lose your expensive car. Therefore, you may want to ask the service provider about the type of vehicle they are going to use to shift your car to your desired destination. This vehicle must be powerful enough to transport your vehicle to your city or state without any problem.

Look for a Trustworthy Service

Make sure that the company will keep its word no matter what. While discussing the matter with the company representative, make sure you talk about the specifics about what exactly you want. This will help you make the task a lot easier for yourself.

So, we suggest that you choose the best transport solution for shifting your vehicle. Although this is going to be a tough decision for beginners like you, if you keep the tips given in this article in your mind, this choice will be a lot easier for you.

5 Empowering Tracks From Female Icons To Make You Feel Inspired

Sometimes we all need a little lift. Whether you’ve had a recent knock to your confidence, have been going through stress in your personal or professional life, or have always struggled with your self-esteem, music is an essential tool for lifting your spirits and making you feel better about yourself.

According to a study by Heriot-Watt University, the type of music you listen to not only influences your mood, but also your personality, with indie and rock/heavy metal fans reporting the lowest levels of self-esteem, while fans of jazz, blues, opera, classical, pop, rap and soul all reported high levels of self-confidence.

So if you’re having a ‘down day’, why not boost your spirits by listening to some powerful, uplifting tracks? Here are five perfect confidence boosters.

Britney Spears – Toxic

Britney’s own struggles with her mental health and conservatorship have made her an inspiration for many people across the world.

This classic song is timelessly sensual, and the heavy beats throughout make it impossible not to dance to. A welcome blast of nostalgia, this tune has filled dance floors across the globe with fans old and new.

The video features Britney as a female spy playing the sexy flight attendant, seducing her passenger before she makes her escape on a motorbike and breaks into a high-security facility guarded by a laser security system.

This track and video is a guaranteed way to feel invincible, and deserves a place on your playlist no matter your mood.

Kelis – Milkshake

A cheesy classic that is guaranteed to make you feel all warm and gooey inside, Kelis pumps up the heat in this 00’s RnB track. Underpinned by intricate drum beats and electric elements, Kelis’ self-confidence is infectious, and it’s hard not to find yourself smiling at the lyrics.

This track is a great way to get into a flirtatious mindset, making it a great choice before going on a date or heading out for the evening.

And if you’re staying in? It’s a great mood lift. But beware! You may find yourself craving a sweet treat.

Eve (ft. Gwen Stefani) – Let Me Blow Your Mind

This RnB classic will capture your attention with its assertive rhythm and powerful vocals from 00’s icons Eve and Gwen Stefani. Featuring a laid-back – yet self-assured – beat, and catchy guitar riff, this is a great track for driving, and its empowering feel is sure to help you feel motivated.

Got a job interview lined up, or thinking of asking for a raise? This anthemic number is a quick way to feel positive and more assertive.

The video features Eve and Gwen Stefani crashing an exclusive event on quad bikes, causing a stir among the privileged attendants, and shoving the performer off stage to perform their own music, before finally being arrested and taken to the station in a police van.

This ‘baddie’ track helps you to tap into the hidden ‘bold’ side of your personality, and lifts your mood while keeping you feeling calm and cool.

Fergie – MILF$

If you have kids, it can be difficult to feel sexy. When you’re running around cleaning the house, changing nappies, or up to your elbows in dishwater, you can easily forget your sensual side – leaving you feeling frumpy and lacking in confidence and motivation.

Thankfully, Fergie’s comeback track is a quick remedy to your low mood and lethargy.

Featuring attractive mothers dressed in curve-hugging latex and silky lingerie going about their daily life in a dreamy, colourful suburbia, this track is a quick way to transform your self-esteem and transport you to a world where you are not just a mother, but a goddess too.

Why not shake off the day and tap into your feminine energy with Fergie, your sexiest PJs, and a bottle of your favourite wine?

Marina And The Diamonds – How To Be A Heartbreaker

Low confidence after a breakup? You’re not alone. Having your heart broken can leave you feeling depressed, undesirable, and unmotivated. So flip the tables on your ex and become a heartbreaker with Marina’s catchy club classic.

This empowering dance track will make you want to move your body and get in touch with your bad girl side, with its heavy beat and pounding rhythms.

Plus, if your libido has suffered as a result of your low mood, take a sneaky peek at the video – it will get your blood pumping with its steamy shower shots and smoking hot male models.