Understanding Loan Consolidation for Business Owners

By Layla Vanderbilt

Owning a business is never easy especially if you?ve just started your business. Many business owners have to take a loan or get a credit card to start their business. Many businesses owners find out that it?s very easy to get in debt. There is a solution to help business owners get their business?s finances back on track. If you have loans and credit cards then you should consider getting a consolidation loan. A consolidation loan can help by combining all of your business?s debts into one monthly payment with one interest rate rather than having to try to pay them all at the same time.

Before you go in to ask for a consolidation loan you should make sure your finances are all in line. If this is your first business you may have little experience setting statements up, but it is very important. It is not only important for getting loans, but it is important for doing your taxes and monitoring your business finances as well. These statements should include the businesses overall income, expenses, and debt. Having a month by month printout including your interest rates and payments is usually the best way to go. By having these necessary documents organized you are showing the lender that you are a quality customer that they can rely on to pay back the loan.

Many banks offer business consolidation loans for small businesses. You should go to the local branch of your bank and speak with a loan officer there. Many times a loan officer will be able to help you find a consolidation loan. Each financial company has certain criteria that you will need to meet to be able to get your loan. Although the loan officer may not be able to tell you what that criteria is, he may be able to give you some general rules of thumb that the bank goes by. If you?re considering getting a consolidation loan with the bank then you?ll need to fill out an application while you?re there. Before you fill out the application you should ask what the interest rate ranges are for the loan and the term length ranges.

Sometimes nonprofit organizations provide ways for small business owners to obtain consolidation loans. The Small Business Administration is one such organization, and they are able to help you with many aspects of running your business. By searching online you may be able to find other organizations and companies that can offer you help.

After checking through your various options you will need to pick a financial institution or organization that you will want to get the loan through. Start by filling out an application and including the documents that were mentioned above. You may want to even create a document with the time frame in which you plan to pay the lender back.

Sometimes it is better to just get a second credit card. Some business credit cards have great interest rates, allowing you to avoid interest for a few months. If you think you can pay off your debt before the credit card starts getting interest, this could be a great option for you. This particular method works very well if you have a small amount of debt, and it can help bypass the higher interest rates you would have had to pay. - 23210

About the Author:

Layla Vanderbilt is the webmaster for a leading website that offers for instant bad debt consolidation advice and guidance.

Jim Rogers Economic Times Interview

By Jim Faber

Jim Rogers was recently interviewed by The Economic Times. Among the topics covered include the recent rally in stocks, the widening deficit and his recent comments on Sri Lanka. In this interview, Jim Rogers touches on a couple of commodities that he believes will do well in this economy. As investors push oil and gold, Jim Rogers is looking at other commodities such as Silver, Cotton and Natural Gas.

You recently said that you would invest in China and Sri Lanka but not in India. Arent you betting on the new government in India?

Lets pick on China for a minute. If you sell to Wal-Mart in the US and if you are a Chinese supplier you know there is a problem. And you are going to be suffering. Any company that deals with the West is going to have problems. On the other hand, companies that are in the water-treatment business in Asia will care less if the West disappears. They are too busy making money, too busy going to work everyday.

At one stage we were inundated with gloomy forecasts, which were further reinforced by the IMF and World Bank. And then suddenly stocks surged " something most were not prepared for. How risky is the market today?

In my view, investing in Sri Lanka in May 2009 is probably a better bet than Pakistan, Bangladesh, India or some of the other countries nearby. Lets hope the new Indian government does something. I have heard wonderful things from Indian politicians for 40 years.

If US unemployment touches the 10%-mark, it would further impact retail sales. How bad could this be for Asia?

In the 1930s, we had a huge stock market bubble which popped. And then politicians started making many mistakes. They became protectionist. They made solvent banks take over insolvent banks and then both banks failed in the end.

Its going to snap. Later this year, next year, we are going to have currency problems, maybe even a currency crisis. I dont know with which currency " maybe with the pound sterling, maybe with the US dollar, who knows. It maybe with something none of us have at the moment. When you have a currency crisis, stocks will be affected, many things will be affected. It is not sound, whats happening out there in the world.

What do you do? No politically-elected government can afford so much pain, unemployment and hardships

The American bond market is already beginning to go down dramatically as people realise that the American government has to sell huge amount of bonds, and secondly, there is going to be inflation, serious inflation, as it was always in the past when you had governments printing huge amounts of money.

Stocks are rising even as fiscal deficit is widening. Somewhere it has to snap

America could have. America just had an election. The guy was elected in November and he could have come in the beginning of a four-year term and said the guys before me were hopeless idiots. They ruined things. We have to solve this problem. We have to take some pains now. But dont worry, we will get through this pain, and in two to three years or four years, things would be fine. And he could have been re-elected.

In the 1930s, we had a huge stock market bubble which popped. And then politicians started making many mistakes. They became protectionist. They made solvent banks take over insolvent banks and then both banks failed in the end.

They are doing many of the same mistakes now. Whats different this time is that we are printing huge amounts of money which they did not print at that time. So, we are going to have inflation this time.

I was trying to make a point that if anyone wants to invest in this particular part of the world, the best place would be Sri Lanka. Because it looks like the 30-year war is coming to an end.

Throughout history, if you go to a place after the war ends you usually find everything as very cheap, everyone is demoralised, people are just depressed and there are enormous opportunities if you have energy.

If the pain comes in 2010, 2011 or 2012, there will be nobody he can blame. Especially, if things go bad later, the opposition will say, wait a minute, 2009 looked good. The next guy is going to say you did it But you are right. Its very difficult for an elected government. You have a newly-elected government in India. Whenever you have a new government they can take some of the pain.

And rarely do they produce. Its not the first time that the Congress party has been in the power. If they mean it, Indias going to be one of the greatest development stories in the next 20 years. But I dont know if they mean it. - 23210

About the Author:

All Things Jim Rogers is a Jim Rogers Blog dedicated to tracking the latest Jim Rogers videos and interviews for the general public to enjoy.

Gold Trading For Small Business - Why Is Gold The Best Option?

By James Goldman

We humans have always been fascinated by gold for centuries now. Gold is regarded as the store of true value. People have now a different perception of gold " it is the actual form of money. However, we can easily feel challenged by one fact- gold doesnt yield interest and is hence not regarded as a wise investment asset. But it needs to be noted that if you trade gold or invest in gold, you can actually capitulate fair interests in the form of real storage of the intrinsic values. Still there is a question here " why should the small companies trade gold always? Why should these companies get a smaller portion of their wealth allocated as gold bullion? The answer is here

With different forms of investments vehicles available today such as properties, equities and bonds, one common class of investment asset often neglected are all the precious metals like gold, silver, platinum etc.

Considering the investment figures of 2006, it can be seen that investors wanted to invest primarily in commodities funds; they have realized that only gold bullion is a unique class of investment that was potentially underweighted in their own portfolios. Consequently it was realized that gold bullion, one of the natural resources, is undoubtedly the best tool for investment, especially for the small companies.

Earlier during 1999-2000, when internet companies cropped up with very little earnings, gold was really trading approximately with USD 200-300 /oz. However, no other investors or the internet companies could make faster money than the ones who trade gold or in other words buy gold when prices are low and sell gold at higher prices.

Gold has never been a preferred class of investment until very recently; gold is now regarded as the best choice for the small companies who would like to trade. Small companies that have already invested in gold are now richer than before. Also, trading gold is the only shortcut to faster and steadier growth of wealth for these companies.

You can try it out. Try investing on a certain amount of gold every month " suppose you buy gold worth $A. Now hold this value of gold as wealth management. Although many people would consider this to be a weird proposition, but its up to you whether you want to accept it or discard it.

If your decision is affirmative, measure the value of gold every month and you would see your net income flow every month " you would be amazed to see that your monthly income flow would track the value of your gold and your net worth would increase steadily.

Anytime is the best time for gold investment as the value of gold always increases. - 23210

About the Author:

All knowledge to gold bullion and how to trade gold can be provided by Atlantgold.com for the small business entrepreneurs

Information on Investing in Real Estate in Marin County

By Jonathon Hardcastle

All around America people have seen home sale slowdowns, while Marin County real estate is beginning to move up in sales as the summer starts. National Housing markets generally have picked up during the summer in years past. Homebuyers should invest in Marin County real estate because of the tremendous possibility of equity building.

Last year was the first year since the Great Depression that home values on a national level dropped. The economic downturn shouldn't scare you too much because it will come back. Think about putting your money in Marin County real estate for long-term investment. This article includes factors for homebuyers to consider when thinking about the area you want to invest in.

Marin County weather is awesome for both homebuyers and travelers. The moderate weather and beachfront property boost Marin County real estate because everyone wants to live in that type of climate. They all want to go to the beach in the summer, or even in the winter if the time is right. There's a long coastline in California, but Marin County is located in "the bay area" (what the locals call it), which is in Northern California. The area is more desirable than Southern California because it rarely gets too hot to go outside.

Proximity to urban centers and economic activity is another important factor to consider when looking for places to buy property. San Francisco is very close to Marin County and Marin County real estate is boosted by this fact. There's a lot of opportunity in a big city like that with so many people. Marin County has a small town feel without being too far from economic development and urban centers.

Yet another factor to consider when buying a home is proximity to universities and colleges. Having the College of Marin inside its borders helps Marin County real estate. Also, the close proximity to all the fabulous institutions in and around the bay area helps Marin County real estate as well.

This is because of the earnings potential generated from rental properties. This boosts the value of homes because other people who want to put money in the area see that they can turn a profit. Even if the home you buy never is rented out this fact can boost your equity because of the possibility. Marin County real estate is booming because of renting potential.

The lifestyle of the people in Marin County is very appealing to people considering investment in Marin County real estate. People from Marin generally love to do outdoor activities and live active lifestyles. Olompali State Historic Park is the site of the oldest home built north of the bay. It was built in 1776. It's just as old as the great United States of America.

When you ask yourself, "Is it worth investing in Marin County real estate?" your answer should be a resounding "yes". The area is amazing and beautiful. Marin County real estate makes perfect sense for investment because it's a great place to live and there is a tremendous amount of earnings potential. - 23210

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Let us help you with your search for Marin County Real Estate and homes for sale in Marin County and Marin County real estate

Jim Rogers On CNBC- I Have No Shorts For First Time Since 1987

By Alejandro garcia

For the majority of his career, Jim Rogers has had both long and short positions. As of this interview, this is one of the few times Jim Rogers does not have a short position. Among the reasons for Jim not having any shorts is a possible currency crisis and thus should avoid shorting the market. Rogers typically holds both long and short positions, but his perception of global currencies' instability has led him to pull out all his shorts, he said. The last time he can remember doing so was before the market fiasco in 1987. Among other things Jim Rogers continues to be "wildly" bullish on China, "wildly" bullish on commodities. Specifically, Jim likes Silver over Gold, Natural Gas and Cotton.

"I would suspect that somewhere along the line...someone's going to say, 'I'm going to start selling mine before everybody else does,'" Rogers said. "That's when you have a currency crisis." But instead of pouring money into stocks, Rogers said investors should turn toward commodities. This sector will lead the recovery if the global economy improves, and if it doesn't, they'll still be the best place because of inflation, he said.

"Im afraid they're printing so much money that stocks could go to 20,000 or 30,000" Rogers called the US dollar a "terribly flawed currency," adding that it could be the starting point for the next currency crisis.

"Im afraid they're printing so much money that stocks could go to 20,000 or 30,000" Rogers called the US dollar a "terribly flawed currency," adding that it could be the starting point for the next currency crisis.

"I would suspect that somewhere along the line...someone's going to say, 'I'm going to start selling mine before everybody else does,'" Rogers said. "That's when you have a currency crisis." But instead of pouring money into stocks, Rogers said investors should turn toward commodities. This sector will lead the recovery if the global economy improves, and if it doesn't, they'll still be the best place because of inflation, he said. - 23210

About the Author:

All Things Jim Rogers is a Jim Rogers Blog dedicated to tracking the latest Jim Rogers videos and interviews for the general public to enjoy.