The Small Business Administration states that business loans for women are on the rise, and will continue to be needed on an increasing basis in coming years. Business loans for women are more popular than ever due to a variety of factors.1. Women are taking the initiative needed to become business owners and are opening new businesses. According to the most recent data on businesses, available from the U.S. Department of Commerce, Bureau of the...more
Looking at Homes and Estates and Planned Unit Developments for 2005 in Summerland versus 2004, let's look at some of the numbers and see.In 2004 15 single family dwellings changed hands. Compare that to 2005 when 13 properties moved. This translates to a decrease of about -15% in the number of properties sold. An interesting number but not where near what happened in Carpinteria.So what about the List price of these properties? In 2004 the Median...more
You've been studying prosperity and abundance and you understand that there is an endless flow of wealth moving about, money is passing hand to hand, as are goods and services. You've decided that you want to jump in and participate in the game. You want your fair share of the abundant flow. You have found in your studies that your attitudes around earning money stink and you've done a lot of work to change your belief systems. You really do believe that you're good enough and worthy of some cash rolling your way and you've been diligently affirming to the great cosmic forces that you are ready, willing, and able to accept your piece of the pie. So where is it? Why's it taking so long?First of all, your mind imagines your wealth a whole lot faster than the real world could ever possibly move. That's part of the lesson, learning how to keep the mind steady until the manifesting has actually occurred. In the end you're to realize how fast or slow the event occurs is really in accordance with your own ability to hold your thoughts and some other subtler dynamics that we'll discuss later. Ultimately you're going to have to give the world time to catch up with your wonderful...more
It is at this time each year when we make New Year's resolutions, to help reduce the gap between where we are today and where we want to be in the future. Having been able to speak to thousands of investors over the last five years, I have compiled a list of my favorite New Year's resolutions that will help stock market investors, no matter which...more
As a business owner, you want to succeed. You undoubtedly want to increase your sales and make more money. The best way to do this is to offer your customers the ability to pay for merchandise with their credit cards. Whether you operate your business in a physical location or online-only, allowing customers the option of credit card payment is...more
Bankruptcy can make getting any kind of financing much more difficult. However, it's not impossible anymore to get financing, even a few days after the discharge of a bankruptcy. But, is getting a loan soon after a bankruptcy a smart thing to do?It can be tempting to buy a new home, new car, etc., after a bankruptcy discharge you have no debt left. You will probably feel like you can afford a larger house payment. Here are some factors to consider before committing yourself to a new house payment.Pre-Payment Penalty - Almost every subprime loan (bad credit loan) now comes with a pre-payment penalty. This penalty is usually about 6 months worth of house payments. The pre-payment penalty period usually lasts 2-3 years. That means, if you want to refinance or sell your house in that period of time, that will make it very difficult, if not impossible to sell or refinance. That means that you are locked in. Once you sign those mortgage papers you absolutely have to make those payments. If you don't have the amount of the pre-payment penalty in savings, you are locked into making the payments or losing the house.Two Year Mark - Keep in mind that after 2-3 years from the date of the...more
If you have recently filed bankruptcy, it won't be long before you are starting to ask yourself, "Ok, now, what do I do when I need a loan? Where do I got to get approved? Can I get approved?" Here are some overall basics about getting any kind of...more
When we think of prosperity and of creating abundance, it's easy enough to see how working at a job that we love helps us to earn more money then if we worked at a job we hated. We can also see that if we add plenty of love and warm-fuzzies towards...more
Nothing can be more exciting & terrifying at the same time than buying your 1st home. Everyone talks about all the advantages of buying real estate such as the tax benefits, appreciation etc. But there are some risks involved and the more knowledge...more
Before you give up on the idea that you will never be able to get a home equity loan because of your bad credit, first be sure you can't get one. It may save you a lot of work, and it opens up more possibilities for home purchases and help from real...more
Bonding companies look at far more than just owners' personal credit when it comes to contract surety over $100,000. A surety wants to have confidence in their bonded contractors prior to approval. There are numerous different actions a contractor...more
Money spent updating your kitchen rewards you better than money spent on any other upgrades to your home. When it comes to kitchens, buyers continue to demand improvement in efficiency and style, and they love remodeled kitchens and new appliances....more