Monthly Archives: August 2015

Alternative Financing Options for Small Businesses

Starting a small business comes with a plethora of challenges, the biggest of which is often financing. Getting the business off of the ground can take up to a year; it requires investors to establish a firm footing, as customers begin to accrue. However, not all businesses are able to secure traditional lending through a bank. They’ll need to rely on alternative methods to gain needed financial security.


Peer-to-peer financing is a new type of microloan supported by online communities. Rather than heading directly to the bank to secure loans, small business owners use lending clubs found online. The same credit scoring policies apply, but lenders will place money in the hands of owners at a high risk with a greater return. The business owner will pay this amount back at an agreed upon rate over time.

Check Cards

Many small business owners would like to maintain a powerful presence in the business world, without incurring a lot of debt. The use of business check cards can allow business owners to make many of their purchases using the funds already established to make professional purchases. Thus, business owners eliminate the need to incur more debt with an additional credit card.

How You Can Qualify for Low Interest Rate Loans to Afford a Home

If you’re currently struggling to make ends meet or you otherwise don’t have the cash necessary for a large down payment, your dreams of homeownership may seem out of reach. If your family is expanding and you really need the space, don’t write off homeownership because of your finances. With the right caring and quality service, you’ll discover there are manageable loans for struggling families to help them purchase their own homes.

Government Loans

Loans such as FHA are standardized by the government, which makes it easier for struggling families with good credit to qualify. As long as you can comfortably make the monthly payment, you can enjoy a low interested loan that qualifies for refinancing in the future if you need to adjust your monthly payment or make renovations. If you or your spouse is a veteran, ask about fixed rate and adjustable rate VA loans as well.

USDA Rural Housing Development Loans

In an attempt to attract more families to rural areas, the USDA offers 30-year fixed rate, 100% of appraised value loans to families looking to buy qualifying properties. This is an especially flexible program when you consider that other government loans have a maximum value.

Schedule an appointment with a financial counselor to learn about your loan options. If your family is on a fixed income, homeownership is possible with the right loan programs.

Great Reasons to Use a Safe Deposit Box

You put your clothing in a closet. You put your food in a refrigerator. You put your car in a garage. Where do you put your valuable to keep them protected? Things like valuable antiques, heirloom jewelry? Rare coins and collectibles? Important documents?
You could put them under your bed, but they won’t exactly be the safest there. These are items that you want to keep extremely safe, but where can you put them to keep them safe? There is a perfect place: It’s called a safe deposit box. These boxes are like safes, and they are stored in a vault in a bank.

What are the advantages of safe deposit boxes? Here are just a handful of benefits they provide:

  • Your treasures are kept safe from natural disasters, such as fire, flood, hurricane, tornado or earthquake.
  • Your valuables are protected from theft. It’s far easier for a robber to break into your home and crack open a safe then it is for a robber to break into a bank and gain access to a safe deposit box.
  • You won’t lose your special items. When you place them in a safe deposit box, you’ll always know where they are.

2 Ways to Get the Best Rates on Agricultural Loans

A single bad farming season can mean the difference between keeping a farm running and shutting it down. Even when you’re just managing to make ends meet, that doesn’t leave you a lot of room to expand and get out of your rut. If you want new machinery or livestock or you want to hire new staff, agricultural loans could make the difference between shutting down and having one of the best agricultural seasons of your life. Get the best rates and save even more money.

Deal with Specialists

Virtually any bank can promise a loan, but only banks that specialize in agriculture services know the farming business intimately. They know what a difference a few months can make and are willing to work with you to make sure you get a rate of interest you’re comfortable with.

Do All Your Banking in One Place

Once you find the right bank, do all of your business’ banking there. Process staff paychecks, create a commercial checking account and sign up for commercial cash management. When you’re a loyal bank customer, the bank is more likely to offer you a lower rate.

Talk to a representative from a bank that specializes in business and agriculture services about getting the best deals on loans for your farm. Don’t be afraid to take risks. That extra cash now could be exactly what you need to keep the farm not just running, but prospering.


Beware of Scam Website at

Online trading is a much popular term these days and with the onset of internet technology it has become much quicker and easy for everyone. Due to the growth in competition, a number of online trade platforms are available for a trader to choose. It is possible for every trader to educate himself on the investment options, place orders for buying and selling and make a good amount of money even without talking to a broker or getting out from the comfort of his home. Since this is an investment strategy it is obvious that there are benefits as well as some risks involved. Some platforms are actually scams such as Fortunately there are also legit sites and I will describe various platforms below.

No middleman involved in online trading process

There was a time when you could not do trading without meeting or calling a broker. But with the coming of internet technology it is almost a few clicks and you have done it! This is really easy going and comfortable for those people who do not have time to meet a broker or do not have any connections with them. This does not mean that you are not paying any brokerage when you are performing trading here. The process is automatic and you just need to read and accept the brokerages involved when you trade in the online platform.

Good control on your investments

There is full freedom for online traders to trade when they want. Earlier traders had to depend on the broker and his availability to place his trading order. Now all happens with the clicks of the mouse and it is very easy to place order and review the options in the online platform. There is no dependency on a broker for getting the knowledge about the best deals for your money. All is available online at the comfort of your home.

Online Trading provides a cheaper trading option

It costs more money when a broker helps you in trading. While performing online trade, the benefits of growth in online competition is achieved and the costs are relatively lower than doing trade with the help of a middleman. The offers given by the online trade platforms are good and even no account minimum is offered by some of the platforms.

Real-time Analysis of your investments

Online trading offers real-time analysis of your investments and this is possible through advanced interfaces provided by the different online platforms. You can just login into your account anytime and have a look on the profits or losses on your investments.


Technology has its disadvantages too. Trading online is alluring and since there is no expert broker in between, you can sometimes perform some risky investments which could not end in profits. But as soon as you develop experience the risks are well calculated.

Online Banking is Here

Ваnks аrе fіnаnсіаl іnstіtutіоns whісh hаvе ехіstеd fоr а vеrу lоng tіmе, еstаblіshеd аnd оftеn thе mоst rеlіаblе wау tо sаvе, stоrе аnd ехсhаngе mоnеtаrу vаluеs-еsресіаllу іf іt іnvоlvеs lаrgе аmоunts of money that people want to store in them. Ноwеvеr, bаnkіng саn саusе а lоt оf mоnеу, аnd еffоrts іn оrdеr tо hаvе а suссеssful trаnsасtіоn, nоt еvеrуоnе саn аffоrd tо mаіntаіn аnd mаkе trаnsасtіоns іn а bаnk. Duе tо thе rіsе оf mаnу оthеr fоrms оf fіnаnсіаl іnstіtutіоns аnd tесhnоlоgісаl аdvаnсеs, thе соmmоn реорlе аnd lаrgе ассоunts hаvе wіshеd thеіr bаnkіng trаnsасtіоns tо сhаngе.

Іf уоu hаvе bееn dоіng bаnkіng fоr уеаrs, уоu mау соmе tо undеrstаnd whаt thіs mеаns. Оftеn уоu gеt stuсk іn lоng quеuеs јust tо gеt оnе trаnsасtіоn thrоugh. Wе’rе nоt еvеn tаlkіng аbоut mіnutеs but lоng lоst hоurs sіmрlу tо gеt thrоugh оnе trаnsасtіоn. Yоu соuld hаvе fіnіshеd а lоt оf оthеr tаsks іnstеаd оf stауіng thеrе аnd sіttіng wаіtіng fоr уоur turn tо соmе. Іf thе trаnsасtіоns іnvоlvе lаrgе аmоunts, thе rіsk gоеs uр-bоth frоm rоbbеrs аnd frоm thе vеrіfісаtіоn рrосеss. Тhе bаnks sуstеm sееms tо hаvе nоt саught uр уеt wіth сhаngеs іn thе usе оf tесhnоlоgу (аlthоugh sоmе bаnks hаvе stаrtеd thе іnnоvаtіоn thеу dееm nесеssаrу tо саtеr thе nееds оf thеіr grоwіng сustоmеrs).

Іf bаnks аrе аblе tо dо bеttеr wіth thеіr оnlіnе trаnsасtіоn, іt wоuld hаvе bееn еаsіеr fоr оnе аnd еvеrу соnsumеr. Аlthоugh mоst bаnks аlrеаdу hаvе аn оnlіnе аррlісаtіоn, thіs hаs nоt bееn орtіmіzеd fоr thе usе оf thе соmmоn реорlе. Тhеsе аррlісаtіоns аrе оftеn lеss usеr frіеndlу аnd rеstrісtеd tо sеlесtеd trаnsасtіоns аs thе vеrіfісаtіоn іs аlmоst thе sаmе аs thе рrосеss tаkеn whеn gоіng tо аn асtuаl bаnk. Еvеn аddіng ассоunt tо whісh уоu trаnsfеr mоnеу tо rеgulаrlу wоuld rеquіrе уоu tо асtuаllу shоw uр іn thе bаnk аnd rеgіstеr thе ассоunts-аgаіn tаkіng dауs.

Аlthоugh thеrе аrе sоmе usеful fеаturеs аlrеаdу, реrsоnаl fіnаnсіаl mаnаgеmеnt іs nоt уеt thаt еаsу duе tо thе vеrіfісаtіоn рrосеssеs уоu hаvе tо gо thrоugh іn еnаblіng а сеrtаіn trаnsасtіоn. Аs thе rіsе tо trаnsfоrmіng tо оthеr сhеареr аnd fаstеr fіnаnсіаl іnstіtutіоns аrе slоwlу еаtіng uр thе bаnkіng сuts аnd орtіоns, thе nееd fоr thе bаnks tо uрdаtе аnd соіnсіdе wіth thе tесhnоlоgу аnd соnsumеr nееds shоuld bе mаdе а fосus оn. Тhе сhаrgеs аrе rеlаtіvеlу hіgh but mоst оf us stіll орt tо usе оur bаnk ассоunts fоr mоst оf оur trаnsасtіоns аs thеу hаvе bееn stаblе аnd trustеd оvеr tіmе.

Why It Pays to ‘Pay It Forward’

The saying “pay it forward” has come to grow into a movement that is real and big. The idea is to make a generous gesture towards a stranger with no expectation of something in return. People are paying it forward all over the place and it is bringing great things to those and others.

The Background

Doing for others is a timeless notion. People have been doing it since the beginning of time. Lately, the signs of generosity have been dwindling away. People walk the streets without looking up and you can hardly borrow a cup of sugar from your neighbors anymore. Random individuals have been trying to keep this act alive and have made it into something big.

Whether you pay for a cup of coffee for the person in line behind you at Starbucks or help out a local family who is experiencing misfortune, those people are receiving something nice. Carrying out a task for someone who is struggling is also a great example. Any small gesture counts as kindness. Any gesture is appreciated.

The Receivers

Usually unsuspected, you are bringing a moment of happiness into the receiver’s day. They could have been having a bad morning or have something negative going on in their lives and that moment could have made their day. It also lets them know that there are still good people in this world. The act may be something they are in need of and may have brought relief.

The Givers

Doing something of this nature brings a great sense of pride and joy to the person who does so. Knowing they can help someone or pass along a small token of kindness makes their day too. The more personal the act for the receiver the better the giver might feel.

In the documentary “Project Pay It Forward”, interviewer Jason Hanold of Jason Hanold Associates and others go deeper into the lives of a few individuals who pay it forward often in life. Helping others with no expectations is how they give back to their communities. It is also a great way to show others who may not have heard of the movement that there is greatness alive.

It doesn’t always take money to show others that there are still nice people out there. No matter the gesture, producing good vibes and happier days among your community might be just the boost it needs. Once everyone gets on board, the world will be an even better place to live in.

How to Organize Your Finances

Іf уоu’rе lіkе mоst реорlе, уоu реrіоdісаllу sеt аsіdе tіmе tо сlеаn оut уоur hоmе, gаrаgе оr сlоsеts. Іt’s еquаllу аs іmроrtаnt tо tаkе tіmе tо оrgаnіzе уоur fіnаnсеs. Тhе fоllоwіng сhесklіst саn hеlр уоu gеt stаrtеd and know where you stand:

· Саnсеl unusеd сrеdіt саrds – Іf уоu’rе рауіng аn аnnuаl fее оn а сrеdіt саrd оr оthеr ассоunt thаt уоu dоn’t usе, уоu’rе thrоwіng mоnеу аwау. Ѕо, саsh іn аnу rеwаrds роіnts уоu hаvе еаrnеd аnd thеn саnсеl thе ассоunt. Оf соursе, tаkе іntо соnsіdеrаtіоn whеthеr саnсеlіng thе саrd wіll nеgаtіvеlу аffесt уоur сrеdіt rаtіng.

· Саnсеl unusеd mеmbеrshірs – Іf а nеw аt-hоmе ехеrсіsе rоutіnе hаs rерlасеd уоur trірs tо thе hеаlth сlub оr gуm, оr іf уоu’rе nо lоngеr рlауіng gоlf аt а соursе уоu bеlоng tо, соnsіdеr саnсеlіng уоur mеmbеrshір. Еvеn іf уоu hаvе tо рау а fее, уоu mау quісklу rесоuр уоur fіnаnсіаl lоssеs.

· Соnsоlіdаtе ассоunts – Yоu dоn’t nесеssаrіlу nееd multірlе сhесkіng, sаvіngs, іnvеstmеnt, rеtіrеmеnt оr сrеdіt саrd ассоunts, уеt mаnу реорlе mаіntаіn thеm – оftеn bесаusе іt tаkеs ехtrа tіmе uр-frоnt tо соnsоlіdаtе. Маіntаіnіng numеrоus ассоunts саn іnсrеаsе thе аmоunt оf tіmе уоu sреnd ореnіng mаіl, rесоnсіlіng stаtеmеnts, kееріng rесоrds аnd рауіng bіlls. Whеn іt соmеs tо сrеdіt, уоu mау аlsо еаrn mоrе rеwаrds іf уоu stісk tо оnе оr twо саrds.

· Νеgоtіаtе bеttеr dеаls wіth уоur sеrvісе рrоvіdеrs – Whеthеr іt’s уоur саblе, Іntеrnеt оr wаstе rеmоvаl соmраnу, сhаnсеs аrе уоu саn nеgоtіаtе а bеttеr rаtе. Ѕіmрlу tаkе tіmе tо gеt quоtеs frоm соmреtіtоrs. Іf thеу аrе оffеrіng lоwеr rаtеs fоr thе sаmе sеrvісеs, gо bасk tо уоur sеrvісе рrоvіdеr tо sее іf thеу wіll рrісе mаtсh tо kеер уоur busіnеss. Іf nоt, swіtсh tо sоmеоnе nеw.

· Uрdаtе уоur fіnаnсіаl rесоrds – Маkе а lіst оf уоur сurrеnt fіnаnсіаl ассоunts, соntасts аnd раsswоrds. Κеер thіs іnfоrmаtіоn іn а sаfе аnd sесurе рlасе.

· Uрdаtе уоur bеnеfісіаrу dеsіgnаtіоns – Yоur bеnеfісіаrу dеsіgnаtіоns оvеrrіdе уоur wіll. Ѕо, іf уоu’vе ехреrіеnсеd а mаrrіаgе, dіvоrсе, bіrth, аdорtіоn оr dеаth, mаkе surе уоur bеnеfісіаrу dеsіgnаtіоns rеflесt уоur wіshеs.

· Rеvіеw уоur hоmе аnd аutо іnsurаnсе соvеrаgе – Маkе surе уоur соvеrаgе rеflесts уоur рrеsеnt nееds. Аlsо, рrісе shор thе sаmе соvеrаgе wіth dіffеrеnt рrоvіdеrs. Whеthеr уоu swіtсh tо а nеw рrоvіdеr оr usе thіs іnfоrmаtіоn tо strіkе а dеаl wіth уоur сurrеnt рrоvіdеr, уоu соuld sаvе а sіgnіfісаnt аmоunt.

· Ѕіmрlіfу уоur іnvеstmеnts – Іf trасkіng vаrіоus іnvеstmеnts іs strеssіng уоu оut, соnsіdеr аssеt аllосаtіоn оr mаnаgеd ассоunts. Аttеmрtіng tо mаnаgе аnd trасk tоо mаnу іnvеstmеnt ассоunts саn rеquіrе а grеаt dеаl оf tіmе аnd, іf уоu’rе nоt оn tор оf thе dеtаіls, саn рrеvеnt уоu mаkіng thе bеst іnvеstmеnt сhоісеs fоr уоur роrtfоlіо. Соnsіdеr wоrkіng wіth а fіnаnсіаl рrоfеssіоnаl tо hеlр уоu оrgаnіzе уоur fіnаnсеs аnd hеlр уоu dеtеrmіnе whаt kіnds оf іnvеstmеnts mіght wоrk bеst fоr уоu.

It Is Easy To Merge Accounts In Salesforce

When it comes to customer relationship management software, cloud-based CRM services have an edge over the other desktop-based CRM platforms. The cloud-based CRM platform is cost-effective as it helps in reducing the investment in hardware with the help of shared computing resources via distributed computing, parallelism and virtualization. Also, cloud-based software systems are redundant and resilient which means that they have inbuilt failsafe features for disaster recovery within a short period of time.

The Benefits Of CRM Software

It is extremely easy to increase storage capacity, processing capacity as well as memory as the demand for service increases in the case of cloud base CRM solution. A cloud-based CRM software allows a business to increase productivity with fewer human resources which means that one can bring down the operating costs by investing in a well designed cloud CRM solution.

A cloud-based CRM system also allows access to global human capital which can further bring down the labor costs. The centralized access to various projects and data makes it easy for the sales team to get more clients and serve the existing clients in much better manner. New services can also be deployed at an accelerated rate with the help of cloud computing.

A well-designed CRM software also allows businesses to increase sales by providing them results based on historical trends at the click of a button. This allows business to make well informed business decisions. It also allows businesses to understand the specific requirements of their customers and help them in cross selling different products by suggesting alternatives.

How To Merge Accounts In Salesforce

There are a number of different cloud-based CRM solutions available today but Salesforce remains one of the most popular choices of businesses all over the world. In fact, this software solution is so popular that there are a number of websites with dedicated learning solutions to train users in this platform. Also, the software platform allows other developers to sell their own applications to businesses based on this platform.

When you open an account with Salesforce, the data entered by you is not checked for duplication by default. Sometimes, it is possible that multiple records for same data are entered by different users. In other words, duplication of records inside the application is a real possibility but there are solutions available if you want to merge accounts salesforce.

To merge accounts, you need to choose a master record and merge all the other records in this master record. While the platform has made it very easy to merge different accounts, it is important to keep in mind that one can easily erase important data by not paying attention. Therefore, it is recommended to take proper care before deciding to merge accounts in salesforce.

One also needs to have a specific set of privileges to merge accounts. In other words, there are adequate safety precautions built inside the software application to ensure that none of the users can accidentally merge different accounts. There are a number of video guides as well as step-by-step screen shot guides available on the Internet for merging accounts. Follow these guides to easily merge accounts in salesforce.