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You are here: Home / Archives for loans

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Hopeful Entrepreneur: Starting Your Own Business With Limited Funds

August 18, 2020 by Tim McMahon

There are more small businesses starting up now than at any other time in history. If you are a person who is an entrepreneur, no doubt you are a person who seeks out your passions and who wants to have a fulfilling career. As an entrepreneur, your time is all yours. Apart from that, you are able to control your income to a large extent. Finally, as a small business owner, you are able to work in a career that you love. One of the biggest challenges that entrepreneurs face is funding for their businesses. Even though finances can be tight, the problem with the funding is not unsurmountable. The following are a few helpful tips for the low budget entrepreneur.

Incorporate Your Business

If you have a small budget, the last thing that you need is for something to happen to your business that will make you lose more funds. Starting an LLC can be highly affordable. In most states, it cost only a few hundred dollars, but it could save you thousands in the long run.

Keep Your Own Records

 Business spending management is extremely important to a small business. Since you are on a small budget, you are going to have to dedicate a significant amount of your time to learning. A great thing for you to learn is simple accounting. There are tons of Youtube tutorials on the subject, or you can choose to buy a great accounting book off of Amazon. You can save yourself tons and become more business savvy if you do your own accounting.

Work at Home

You may not have a lot of space, [Read more…] about Hopeful Entrepreneur: Starting Your Own Business With Limited Funds

Filed Under: Small Business Tagged With: business, credit, Crowdfunding, Financing, loans, Micro Loans, P2P, Peer to Peer

How to Fund a Personal Injury Lawsuit to Get the Settlement You Need

January 28, 2020 by Tim McMahon

If you’ve been injured in an accident or by someone’s negligence, you may have decided to consult an attorney to get legal relief. This could include compensation to cover expenses stemming from your injuries, such as lost wages, medical services and treatments, hospital costs, physical or occupational rehabilitation, repairs to your vehicle if impacted, and other possible monetary considerations.

Personal injury attorneys will file a lawsuit to protect your rights and secure a court judgment. However, even if the attorney agrees to wait on getting paid until the case is resolved there will be costs along the way for witnesses, documentation and other things. Unfortunately, you may have to pay for these out-of-pocket expenses. Here are some ways for you to cover the expenses you may be expected to pay.

Take Out a Personal Loan

You may be eligible to be approved for a personal loan, or signature loan, that will finance your legal expenses. This type of loan does not require collateral like a car title or a second mortgage. Typically, the prevailing interest rate will apply as you make payments until the lawsuit is concluded.

[Read more…] about How to Fund a Personal Injury Lawsuit to Get the Settlement You Need

Filed Under: Insurance Tagged With: Accident, Injury, Lawsuit, Legal, loans, Personal Injury Loans

The Importance of Building Credit as a Young Adult

June 26, 2012 by Tim McMahon

Building Credit

If you are currently in college, or have recently graduated from college, you know how difficult it is to get a credit card due to a lack of credit history. For those of us who are a little older, this may seem unbelievable, because when we were in school, credit card offers would literally pour out of our mailboxes.

In the past, credit companies would practically beg college students to sign up for low-balance student cards, but thanks to the credit collapse of 2008, that story has drastically changed. It is now nearly impossible to get accepted for a credit card if you have no previous credit history, and this is really hurting a lot of young adults who are trying to get on their feet.

Why You Need to Build Credit

It is a giant “Catch 22” You need a Credit History in order to Build a Credit History

Building Credit Building Credit History—natloans (Flickr.com)You have to have credit history in order to buy or lease a car… buy a home…be considered for a loan…

And when do people usually first need loans? Two to three years after graduating from college. Without a credit card, college students can’t build the credit they need to do these things, and this is why it is important for parents to start helping their kids build their credit starting their freshman year.

How Parents Can Help Build Your Credit

Parents can help their children build credit by opening a joint account with them; with parents as the owners and the child as the authorized user. Have one card designated as the “credit-builder card.” Only use it to buy things like school textbooks or supplies, and pay it off as soon as you make purchases. This will teach your children good credit spending habits and slowly build their responsibility. It will require parents to constantly monitor the card’s use and stay on the child about making payments, but if the student is mindful, there shouldn’t be any problems.

If a parent is concerned that [Read more…] about The Importance of Building Credit as a Young Adult

Filed Under: Education, General, Success Tagged With: building credit, credit, loans, student

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