August, 2018

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Entrepreneur Spirit 3

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Some people think becoming an entrepreneur is so difficult. They often think that to be an entrepreneur, money is the main factor. Actually, there is something else such as mental preparation that plays an important role.

Some people choose to be entrepreneurs because they do not want to suffer tight competition in the workforce, to have the desire for unlimited earnings, to have the freedom to determine their own destiny, and to be more independent or to have extra satisfaction on their personal achievement.

In the early stages of becoming entrepreneurs, however, people should realize that their income can be less than before, no more company allowances. Not mentioning that they have to work harder and longer hours, with the responsibility of employing their workers.

Moreover, they should cope with critics from their environment about how stupid they are for letting go such a good job with good payments and benefits.

People should have more than one income source, but by being entrepreneurs, they are working for themselves, and they alone will determine how much they want to earn and how.

Tips for new entrepreneurs:
Start with a low working capital, so people can minimize their potential loss that may occur.
The other advantage is to train to survive in the new business with minimum facilities.
Be flexible; entrepreneurs should revise their business concept with current trends and economical conditions.
It is recommended to have a mentor who can share knowledge and give advises on critical points.
Start with your hobbies.
By doing so, hopefully they can cope with the frustration and do not give up when they have to deal with difficulties.
Sometimes it is a good idea to do a completely new business idea that might bring less competitors.

Starting a new business needs capital. It is a safe way to use their own savings, because they do not have to pay interests or risk their assets when taking business loans from a local bank.

Avoiding interests should be considered since it is hard for a new business to gain profits during its first months of operation. It can take their breath away to pay high interests.

For people with a strong network, they can look for partners to cooperate with, so they also can share the capital.

Having a business does not mean that people will earn profits right away. Entrepreneurs should think about getting loyal customers and give them competitive services.

After a business has been developed, entrepreneurs might need employees. it is important to put honesty as the first criteria. It is a fact that honest people become rare nowadays, and you do not want to be cheated by your employees.

Last but not least, entrepreneurs should understand that running a business is a process. There will be some critical moments before they can earn a stable profit.

Foreclosure Tax Sales, Loan Modification, Delaying A Sheriff Sale, And More

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Foreclosures for unpaid property taxes vary widely by state and county. Sometimes the house is auctioned off to satisfy the taxes. Other times, a lien or certificate is sold to the high bidder. And in some areas, no sale is conducted and the property is simply transferred from the homeowner to the county or other tax agency. In most jurisdictions, homeowners have the right to redeem their property after the auction for delinquent taxes.

The following are some defenses homeowners can still raise after a sheriff sale to delay or challenge the foreclosure process and auction:

* Irregularity in conducting the sale
* Sale price at auction was grossly inadequate
* Homeowners did not receive notice as required
* Sheriff sale was not advertised as required

Any physical problems with a property make proceeding with a foreclosure much less desirable for lenders. An appraisal, Broker’s Price Opinion, or other type of valuation from a trustworthy source should be included with any workout proposal, loan modification, or short sale request homeowners make if there are deficiencies in the condition of the house.

If borrowers run into a brick wall dealing with the mortgage servicing company, they can go a step above and contact the holder of the loan. Large banks, institutional lenders, Fannie Mae, and Freddie Mac, among others, will often push a servicer to intervene and work out a solution with homeowners to stop foreclosure, modify a loan, or delay a sheriff sale.

Most people think that Wall Street was primarily responsible for securitizing junk loans and unleashing the subprime crisis. In reality, though, over 50% of mortgage securitizations are guaranteed or issued by Fannie Mae and Freddie Mac (two government-sponsored enterprises), or Ginnie Mae (Government National Mortgage Association).

In a mortgage modification or other workout agreement, it is always easier to negotiate down interest charges, late fees, and other unexpended costs to the lender. These are costs the lender has not paid out of pocket, but has instead just tacked onto the loan balance. They can and should be negotiated away.

According to the Truth in Lending Act, homeowners can request their mortgage servicer to identify for them the person or company or organization that holds the mortgage. The servicer must comply with this request.

Sometimes homeowners are able to delay a sheriff sale over and over again. While this seems a little counter-intuitive, if the lender does not accept the request for a postponement, it may face liability for acting in bad faith. Pursuing foreclosure and using the courts is usually considered the last option, and if the owners are working on a mortgage modification or short sale, for instance, the county auction can be called off relatively easily.

Loan Modification Document Checklist

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Home loan modification may be the best way to get out of delinquency and save your home. But promising as it is, a loan modification can only work if you do your part in the process. Reports from major lenders show that most loan modifications fail because people don’t comply with the requirements, particularly when it comes to paperwork. It may seem like a big task, but it’s not as complicated as it seems – and it’s always worth the effort to save your home.

Your home loan modification attorney can help you gather the documents you need to complete your application. To help you get started, here’s a list of loan modification documents required by most major lenders.

Hardship letter This is basically a letter explaining the circumstances of your default and how you have recovered. Make sure every claim can be backed up with solid evidence such as bank records, and don’t exaggerate or play down details. Your home loan modification attorney can help you draft your letter to meet your lender’s standards. Most lenders also require a photo ID and a copy of your social security card.

Proof of income Steady income is one of the main requirements for a home loan modification. Your bank will want to see proof that you’ll be able to make your payments once the loan is modified. The general requirement is two months’ worth of pay stubs and tax returns for the last two years, or if you’re self-employed, your latest IRS filing plus proof of two months’ worth of income. If you’re getting child support, pension, or other sources of income, you’ll need to provide proof of these as well.

Financial status Your bank will want to know how your current finances are, and whether you have assets other than your home. Provide bank statements from your current accounts, including checking and savings. If applicable, you can also submit statements from your 401(K), profit sharing plan, IRA, or retirement account. Investment accounts such as stocks and bonds can also serve as proof of assets. Your home loan modification attorney can help you determine which ones will be most valuable in your case.

Mortgage documents Most lenders will ask for your latest mortgage statement, as well as any recent correspondence you have received from them. If your mortgage payment doesn’t include insurance and taxes, you may need to provide these statements as well.

Other bills Not all lenders will require utility bills such as gas, electricity, phone and water, but it won’t hurt to put in some as well. These will give your bank an idea of your monthly expenditure, which in turn helps them find a suitable home loan modification plan. Other useful documents include garbage pickup bills, home insurance policies, and homeowners’ association dues.

Kimco KEYS Program Provides Opportunity for Aspiring Entrepreneurs Seeking to Launch their First Re

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Kimco Realty Corp. (Kimco) announced the launch of another small business through the Kimco Entrepreneurs Year Start (KEYS) program – Carlsbad’s Build-It-Workshops held its grand opening on Friday.

KEYS is a small business incubator program developed by Kimko.

As of Dec. 31, 2012, Kimco owned interests in 896 shopping centers comprising 131 million square feet of leasable space across 44 states, Puerto Rico, Canada, Mexico, and South America. KEYS launched in California, where Kimco owns over 110 shopping centers consisting of over 3,200 stores and 19.3 million square feet of leasable space.

The company says that it is actively seeking startup entrepreneurs and first-time business owners to apply to the program, which currently has over a hundred small shops (2,500 square feet and under) available for KEYS participants, including many pre-built restaurant spaces.

KEYS will place qualified applicants into Kimco shopping centers with one year of free rent and additional benefits such as affordable property charges to minimize initial overhead; access to personal Kimco retail business counselors; a flexible four-year lease option after the first year; as well as access to shop space in established retail centers. In addition, Kimco says that it will provide operational and financial support through the critical startup incubation years to better ensure the success of these first-time business owners.

Kimco has developed relationships with established educational organizations such as SCORE, the California Small Business Development Center, Kauffman FastTrac, and others that offer business resources and networking support.

The KEYS program seeks entrepreneurs who plan to open their first store, restaurant, or other concept (but not franchise companies), who have adequate funding for the venture, a written Business Plan with detailed business goals and who have the ability to articulate their plan for success in an interview. A certificate, endorsement, or letter of completion verifying entrepreneurial classes completed from an SBA sponsored business association, college, university or appropriate training organization is encouraged, but not required.

Continued

Easy Ways to Make Money on the Internet

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There are plenty of easy ways to make money on the internet today. However, you should know that just because there is an easy way to make money on the internet doesnt mean that it will be very profitable. This can be especially said when a person is just starting out. You can start out with an easy job, but you are going to have to find some other easy jobs to supplement the first one. There are not very many easy jobs on the internet that pay well. If you are so lucky to land an easy job on the internet that pays well, I suggest you keep a hold of it. Of course, for some people, making money online can never be an easy thing. Even the easiest jobs will take you some time and dedication. Getting anywhere with easy jobs takes a while.

Setting up an eBay shop is something simple that millions of people over the world have done. Of course, you have to have something to sell, so this may not work for everyone. Putting things on eBay may sound like the most simple of the simple jobs, but it can be tedious and time consuming. There are many people who have a shop set up on eBay that go out to auctions and yard sales to get their merchandise and resell it. There are also those who sell games and videos via drop ship sites. This way is easier, but the profit is less. Unless you are making your products by hand or selling products that were yours to begin with, the profit is going to be little at times. As for the mentioned, any easy job makes getting paid a drawn out process. However, power sellers on eBay make one hundred thousand a year plus.

If you have some sort of product that people can use or that is in demand, then your online job will be easy. Products that sell themselves are the ones to have. However, all products need some sort of advertising at some point and sometimes advertising is anything but easy. Basically, what you really need to know is that there is no way to make money on the internet that does not take some amount of work. You can fill out surveys or something else that is easy, but be prepared for this process to be slow in the money making division.

Paypal Cash Money – Learn How To Make Your Own Paypal Cash Money Fast

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Many people may be known of Paypal as one of the world’s best online secured credit-card payment facilitators. It has supported over many countries around the world for its users to receive money or take money or even to make money by bringing more businesses to PAYPAL. Due to its convenience online service, you no longer have to queue at bank to pay your telegraphictransfer. Whether you are an online merchant or a buyer, PAYPAL is one of the best ways to make your transaction secured. Of course, you can also earn paypal cash too.
Paypal allows shoppers to:
Choose to pay using your credit and debit card, or bank account.
Make secure purchases without exposing your credit card number or bank information.
Using PayPal to shop on eBay or thousands of merchants worldwide.
Paypal allows sellers to:
Make credit and debit card transactions and bank account payments for low transaction fees.
Use Paypal to your website instantly
Gain access to a growing user list with millions of active online shoppers.
Good Points of Using Paypal:
No monthly or start-upfees or cancellation fees orno minimum payments. Lower transaction fees than other merchant accounts
Quick setup – Sign up and get started in minutes. No extra software or hardware needed
Paypal is an market leader in fraud prevention.It has 60%-70% lower fraud loss rates than other merchant accounts
Wide Network of buyers – One in three online buyers in the U.S. has a PayPal account, and over 58,000 users worldwide sign up for PayPal each day.
Earning Paypal Cash Money
Well, at this point you are wondering what you’ll need to do to make all this PayPal cash money. Well, continue to reading this post to discover one of the fastest way to make Paypal money fast. For those of you are unfamiliar with Paypal, you need to know that Paypal allows any publisher to make as much as $1,000 per each person you refer to PayPal.
Upon signing up the Paypal Merchant Referral Bonus Program, you are able to receive a portion of the transaction amounts of people you referred to PayPal. Once your affiliate supplier has used PayPal and receive a total of $200.00, you immediately receive an initial bonus of $1.00. Additionally, you will get 0.5% of the total amount of their payments for 12 months, up to $1,000. At this point you must introduce Paypal in your blog or website. Write about PayPal and give users unique information about it. Telling to people the pros and cons about PayPal, how you can use Paypal to earn your paypal cash from it.
This is just only one of the ways to make paypal money. If you are not contented to just wait and make only maximum US$1,000 for each referral over a period of time, then check this Fast Track Cash out. It has the most proven and advanced techniques to make your paypal cash money faster.

Increasing Success Of Franchise Young Fashion

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The trend of taking franchises of famous and renowned brands and stores has been evolving since years. It has become a successful business. To own a franchise of an already established brand, makes it easier for you to run and establish your business, for you have already purchased a successful and developed name. And when it comes to the attraction of buying franchises, then you cannot ignore the name of franchise young fashion.

People, living across the globe are seeking affordable ways of getting franchise dossier, for they know that nothing can be more successful for them other than taking this franchise. The number of customers of this franchise made in Italy has been increasing by each passing day. You will see that each and every person knows about this name. The customers put their blind trust in the products, which they purchase from this store. The number of store of Young Fashion Outfitters is increasing in a successful way. More and more fashion houses and brands are interested in showcasing their products inside the stores of Young Fashion, for they know that the customers, who have got sense of stylizing and dressing steps inside these stores.

The clientele of YFO knows the importance of quality-oriented products. They have got class and taste. If you want to start off with your own business and are looking into different ideas, then you should stop wasting your time on considering over the business ideas that you have, but you should only take the decision of buying the franchise of Young Fashion, for it is going to be the best franchise opportunity that you can ever get. To buy a franchise of a renowned store is itself a big thing, for you get to run an already developing, established and famous business. It helps in decreasing a lot of other costs including advertising and marketing. Everybody knows well about the name and it become easy to take the business further on the path of success.

You must be thing that buying the franchise clubwear and streatwear would be itself an expensive thing, but it is good to put in huge investment initially, for you can reap fruitful results in the future. The demand for club and street wear has reached to the highest level. If you talk about the likeness of the youth, then selling street and club wear can be the most profitable business.

What To Look For In The Best Franchise Opportunities

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There are many factors in determining what the best franchise opportunities are today. It would be easy to say it depends on the potential franchise owner and you’d be right. However, from a business perspective, it’s crucial to look at all the positives and negatives of typical franchises to see which ones have more positive attributes than negative attributes.

First let’s look at the positives in franchise opportunities. Franchises are successful because they have proven systems that work therefore business owners don’t have to go and ‘reinvent the wheel’. The best franchise opportunities usually have very strong name brands that are well established along with a streamlined training system that when followed will usually produce success. More positives include having pre-established relationships with vendors and suppliers, clear cut marketing initiatives and somewhat of a quick time to get up and running.

On the other side, owning a franchise has a few limitations. For the most part, you are NOT allowed to modify your pricing, promotions, advertising, processes, etc. You are somewhat limited in your creativity which can be a good thing or a bad thing. You will most likely have territory restrictions, royalties that you have to pay on gross sales, you have to contribute to an advertising campaign and sometimes you have to open your store where the company says.

Furthermore, to become a franchise owner you usually have to have good credit, a considerable net worth and you must receive approval from the company to own a franchise. That kind of sucks because someone has to ‘approve’ you to be an entrepreneur. Finally, most franchise will NOT make you wealthy by only owning 1 franchise. It usually requires owning multiple franchise because they just aren’t scalable.

The best franchise opportunities today are really defined by 2 main factors. The first one is choosing a franchise that is in 100% alignment with your values and something that you’re really passionate about. No matter how many ‘positives’ or ‘negatives’ your franchise might have, if you’re not 100% passionate about the business, industry, products or services, you’re not going to be very successful because you’re just not that into it.

The second main factor involves having a lot more positives in the franchise model meaning that some of the traditional business bad things don’t exist. In today’s economy, online franchises really have a lot of benefits and positives without the traditional headaches or traditional pitfalls of owning a franchise.

When determining the best franchise opportunities for you and your family, always do your due diligence, never leave any stone unturned and make the best decision based on what’s aligned with your goals and values and what you’re 100% passionate about.

Making Great Money IS Part of Your Spiritual Path

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Every day I run into women who have a huge “giant-size” block when it comes to making great money doing work they love doing.

They range from writers, holistic practitioners, coaches, and speakers to high powered entrepreneurs and CEO’s. They give of themselves and their gifts and yet still charge way less than adequate fees to support themselves and create freedom in their lives; freedom to relax, freedom to live a life they know they deserve, and the freedom to stop struggling and striving every day.

This past week I had the opportunity to speak with many women and it was amazing and inspiring to hear from their spirit the gifts each one have been given and at the same time it broke my heart as I listened to the disappointment and frustration each of them was faced with in earning a living, much less the 6-Figures+ living I know they can achieve. All of them making a difference in the world, yet 95% of them not able to make ends meet.

I was in this same situation not too long ago …so how did I Breakthrough to a multiple 6-figure income?

I realized: Making Great Money IS Part of my Spiritual Path!

Previously I had felt somewhere deep inside that I was doing a greater work and that money was just a trapping of the physical world. That I was somehow above it.

It wasn’t until I lost everything I owned that I discovered how spiritual making great money really is…hmmm…and once my belief around THAT changed, everything began to change.

5 Keys to Up-Leveling your Spiritual Money Mindset:

Making Great Money IS part of my Spiritual Path the Universe wants you to be abundant, stress free, and happy. Your spiritual path is not about struggle, stress, and overwhelm

Making Great Money is Grounding walk your spiritual path with well grounded feet so you can stay in the game of life at a very high level and really make a substantial difference in the world

Making Great Money is Passion expressed and Passion received as you express your purpose and your gifts to the fullest each day you are rewarded financially and living your most passionate life

Making Great Money is Exciting If you’re not making great money you’re not helping enough people. Helping thousands of people is REALLY exciting!

It’s Easier to Make Great Money than it is to Make Less It is easier to find one client and charge what you’re worth, than it is to find 100 clients and undercharge
So let me ask you…If you were fully embracing the belief that making great money IS part of your spiritual path, what would you be doing differently?

Decide & Take Action today!

What is USDA Organic and Trade Certified Coffee Arizona

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What is USDA Organic and Trade Certified Coffee

USDA Organic coffee does not feature chemical compounds that are fabricated. This is because several of those compounds that turn up in non-organic coffee feature particular types of herbicides and chemicals.

USDA Organic Coffee

Certifying coffee as natural requires the ranch the coffee was fed at is a completely natural ranch. Prior to coffee could officially be identified natural, a USDA agent must inspect the site where the coffee was created. There are national standards that the coffee needs to fulfill long before being thought about natural. The national standards state that the coffee needs to be grown on a ranch that asks planters not to make use of chemicals on their plants within the last 3 years. Exemptions are usually made to this requirement and there is no assurance that any kind of coffee identified USDA Organic is entirely without deposit from chemicals.

Types of natural plant food that are usually made use of to increase coffee grains feature general garden compost, chicken manure, bocachi, and coffee pulps. If it is determined coffee grains were grown utilizing phosphate or artificial nitrogen the USDA will certainly not consider them to be natural.

After coffee grains have actually been decided on, the Organic Meals Production Act keeps track of the manufacturing of the coffee and controls the chemicals that could be made use of to create it. These regulations are not constantly complied with. The Organic Standards Board of the Usa has actually declared that labeling coffee as natural does deficient any kind of healthier than coffee that is ruled out natural. Trade Certified Coffee

Trade Certified Coffee is coffee that supports the idea of families who run farms having better lives. This is achieved by billing customers reasonable rates for coffee. It also includes the advancement of farming neighborhoods and assisting stewardships of an ecological attributes. A reasonable trade planter is one who functions directly with the firms that give products to grocery shops, bistros and coffeehouse across the country. These are usually international purchasers that could assist planters get their coffee into shops all around the world.

As a result of the fact that planters increase grains to create trade approved coffee, they could much better support their families and spend for the university education and learnings of their youngsters. They also assist to make international professions more prominent and more successful for planters far and wide and also safeguard the atmosphere by keeping the world’s sources and substantially reducing ecological contamination.

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