Women are a huge part of today's small business. Universities are seeing a huge increase in enrollment by women in finance and business administration programs. So, it should be no surprise that 28 percent of all small businesses are owned by women, and fully 55 percent of all new startup businesses are owned by women.
Just like any other business, being properly capitalized is critical for women-owned businesses. Luckily, many banks specifically offer small business loans for women. Thanks to government programs, in many cases, a business that is majority-owned by a woman can qualify for a loan that a comparable business owned by a man would not have a chance to get.
The effects of this are obvious: according to SCORE, between 1997 and 2002, women-owned firms grew by 19.8 percent while all U.S. firms grew by seven percent. During the same time, the number of jobs created by women-owned businesses grew by 150% of the national average!
Of course, one common characteristic shared by all businesses is the high risk of failure. One of the most common causes for new businesses to fail is not having enough capital. Raising funds can be tough, especially for a new, not-yet-proven, business venture.
However, given the obvious demographic shift, and support of many government programs, lenders are typically very willing to accommodate female business owners.
The number one thing that any female entrepreneur can do when looking for capital, is go to her bank and ask her lender if the bank offers any specially designed small business loans for women. Many times, these programs will have special characteristics that cater to the special needs of a woman-owned business.
Some resources that might be useful:
The Women's Funding Network - womensfundingnetwork.
org - Women's Funding Network is more than 150 organizations that fund women's solutions across the globe, making us one of the largest collaborative philanthropic networks in the world. Our members are women's foundations that span public charities, private foundations and funds within community foundations.
Small Business Administration, Office of Women's Business Ownership - sba.gov/womeninbusiness - Helps women with startup loans and loans for expansion of existing businesses.
Financial Women International - fwi.
org - This is a clearinghouse for information related to female entrepreneurs.
There are plenty of opportunities out there for female entrepreneurs to secure funding for their startup business. Just beware of scams! There are many sites out there that are specifically designed to take advantage of people looking for help. The number one thing to keep in mind is, if they initiate contact with you, you probably shouldn't give them any information until you've checked them out. And remember, if it sounds to good to be true, it probably is!
Saturday, December 26, 2009
The Changing Role of Women
In the past few years we have seen the role of women change dramatically. Think about your grandmother, if you are over 40, chances are she didn't work outside the house but she kept a spotless home, served the meals exactly on time and washed and ironed everything in sight! In the movie Heaven Can Wait, set in to 50s, it depicted the star as a "perfect" housekeeper in her belted, full skirted, floral dress, using the latest Hoover to vacuum her home and being such a good cook that she was interviewed by the Ladies Home Journal, the'in' magazine of the time.
In the 60s women left the kitchen and the Women's movement was born. They found a degree of freedom with the advent of the Pill and life changed again as the working mother came more to the fore and women attempted to free themselves from the confines of the role as portrayed, perhaps by their mothers. Some marched to end the war in Vietnam with their babies in pushers.
Forty years on...and where are we now? I see some women still struggling with claiming their power; some still fighting to find equality in their jobs and relationships; many attempting to redefine their sexuality and discover the feminine consciousness; many still doubting themselves and the choices they have made.
There are a million tools out there in the form of books, seminars, techniques etc to show us how to heal ourselves with ease and grace... it is just a matter of wanting to do it more than we want the pain of how it is now! For many, our burdens are what keep us going, they are the crutch that stops us from having it all. People get inspired for a day or a week and then forget... to do the affirmations, to visualize, to meditate.
To the best of my knowing women want a world that is a safe place for their babies and children.
.. one where children do not live in fear and many people now believe that when the women gather together and learn from each other and work with men toward ending violence.... both in households and in the world, then we will see peace. We have to find a way to empower, to support, to bring spirituality, compassion and the desire and necessity for peace to women and thus the world. We have to remember the truth of who we really are right now and move on.... This is the most exciting time in history so I would like to inspire you all with some stories of the past and the present.
The Sacred Feminine is re-emerging on our beautiful Gaiia, Mother Earth, mostly through women but also through our beautiful conscious men. Many books (Mists of Avalon and Da Vinci Code) have delved into the figure of Mary Magdalene indicating that she holds great meaning. Some churches now use prayers directed to Mother-Father God; Judaism speaks of Shekinah, a Feminine Divine presence, Orthodox religion is putting more emphasis on Mary as Theotokos which means God Bearer and there are Black Madonna statues everywhere.
So what is the Sacred Feminine? It is, in essence, the maternal concerns, compassion... the feminine principle which leans toward the spiritual, toward wholeness, which in turn can move us toward acknowledging the divine, outside us and inside us. It unites the world.
Did you know that the first Mother's Day Proclamation was a call to gather the women? It was directed to women to add their voices to the voice of a devastated Earth and called for women to take counsel with each other to find the means to bring peace to the world.
This was written in 1870!! In the 19th century a man called Matthew Arnold said: "If ever there comes a time when the women of the world come together purely and simply for the benefit of (hu)mankind, it will be a force such as the world has never seen."
Muhammed Yunus, founder of the Grameen Bank in Bagladesh started the idea of micro loans in 1976. Several million borrowers have received and repaid more than two billion dollars. The bank loans money to women who use the money for a source of future income, such as chickens or a goat, a sewing machine or vegetables.
.. something other people will pay for the end result of (eggs, milk, a dress etc). In groups of 5 women, woman discuss their ideas. 1 or 2 get the loan and the others support those women. After 6 weeks of regularly repaying weekly, two others get their loan and everyone supports them until all five have their own money producing businesses. This builds trust, community and draws upon the ancient idea of circles of women.
In Nigeria in 2002, 600 women aged from 20 to 90 protested and staged a sit-in that closed down a huge Chevron Texaco Terminal.
About 150 women managed to get inside the facility and block the airstrip and port that were the exit routes and they held 700 workers hostage. Why? The facility is in the oil rich Niger Delta and the people surrounding it live in abject poverty, with no electricity or running water. The women staged the protest to persuade the oil company to hire their sons and husbands and fathers to give some of the huge revenue back their villages. The company called in police and soldiers with guns but in the end it ended peacefully.
.. the company installed electricity and water systems in their communities, built schools and clinics, hired the sons and husbands and helped the women build chicken farms to sell the food to the company cafeteria. It was a core group of older women who led the protest!
In Argentina from 1976 o 1983, under military rule, nearly 30,000 people disappeared. They were kidnapped, arrested, tortured, mutilated and murdered. The ones who protested were the mothers of those who disappeared, who came to be known as members of the Madres de la Plaza de Mayo.
In 1977 they began marching in the plaza every Thursday. One woman lost 7 members of her family and begged the archbishop to use his influence only to be told to commend herself to the Virgin Mary and resign herself to her loss! Why did they march? Out of desperation, out of concern...out of needing to be heard. Fourteen women walked the first time and nine of those women, including a nun, were taken away, never to be heard of again but the Mothers returned the following week and the weeks, months and years after that.
In the early days they were known as the crazy ones. Now they are considered to be the conscience of Argentina.
In a Ugandan village a woman was severely and regularly beaten by her husband. When the other women villagers asked her about it, she told them she felt she "deserved" it. They pointed out that if she were killed her children would be without a mother and then she decided to allow them to help. They gave her a plastic child's whistle and the next time she was beaten she blew the whistle, every woman from the village came running into the hut asking to be beaten too! The beating stopped.
Soon all the women in the village carried a little whistle and this idea went from village to village and eventually led to legislation that made spousal abuse illegal.
Inspiring stories I hear you say and my question to you is what are you going to do now? As with every second of every one of our days we have choices. We can go back to hiding behind the self doubt, listen to the little voice that says "You can't do that!" Or we can going to stretch ourself... go beyond our limiting boundaries, out of our comfort zone into a place where our Spirit can express itself through us; where our intuition guides us to where we need to be, where our Core Self allows us to be the truth of who we have always been?
So in closing, what is the connecting link? I believe it is women supporting each other; women wanting to make a difference, not just in their own lives but in the lives of others.
From time immemorial women have gathered together and sat in circles, some sharing, some listening, all being there for each other, without judgement, simply with compassion and love. A circle with a spiritual core invites the invisible world of the soul to be present and in that presence will flow peace. What I wish for you is to find a circle of friends that ask more of you than you do... that wraps its arms around you when you are sad and laughs and celebrates your joys. A circle in which you know that your life is important and you do make a difference.
Like Clarissa Pinkola Estes (Women who run with Wolves) says: "Ours is not the task of fixing the entire world all at once, but of stretching out to mend the parts of the world that is within our reach."
In the 60s women left the kitchen and the Women's movement was born. They found a degree of freedom with the advent of the Pill and life changed again as the working mother came more to the fore and women attempted to free themselves from the confines of the role as portrayed, perhaps by their mothers. Some marched to end the war in Vietnam with their babies in pushers.
Forty years on...and where are we now? I see some women still struggling with claiming their power; some still fighting to find equality in their jobs and relationships; many attempting to redefine their sexuality and discover the feminine consciousness; many still doubting themselves and the choices they have made.
There are a million tools out there in the form of books, seminars, techniques etc to show us how to heal ourselves with ease and grace... it is just a matter of wanting to do it more than we want the pain of how it is now! For many, our burdens are what keep us going, they are the crutch that stops us from having it all. People get inspired for a day or a week and then forget... to do the affirmations, to visualize, to meditate.
To the best of my knowing women want a world that is a safe place for their babies and children.
.. one where children do not live in fear and many people now believe that when the women gather together and learn from each other and work with men toward ending violence.... both in households and in the world, then we will see peace. We have to find a way to empower, to support, to bring spirituality, compassion and the desire and necessity for peace to women and thus the world. We have to remember the truth of who we really are right now and move on.... This is the most exciting time in history so I would like to inspire you all with some stories of the past and the present.
The Sacred Feminine is re-emerging on our beautiful Gaiia, Mother Earth, mostly through women but also through our beautiful conscious men. Many books (Mists of Avalon and Da Vinci Code) have delved into the figure of Mary Magdalene indicating that she holds great meaning. Some churches now use prayers directed to Mother-Father God; Judaism speaks of Shekinah, a Feminine Divine presence, Orthodox religion is putting more emphasis on Mary as Theotokos which means God Bearer and there are Black Madonna statues everywhere.
So what is the Sacred Feminine? It is, in essence, the maternal concerns, compassion... the feminine principle which leans toward the spiritual, toward wholeness, which in turn can move us toward acknowledging the divine, outside us and inside us. It unites the world.
Did you know that the first Mother's Day Proclamation was a call to gather the women? It was directed to women to add their voices to the voice of a devastated Earth and called for women to take counsel with each other to find the means to bring peace to the world.
This was written in 1870!! In the 19th century a man called Matthew Arnold said: "If ever there comes a time when the women of the world come together purely and simply for the benefit of (hu)mankind, it will be a force such as the world has never seen."
Muhammed Yunus, founder of the Grameen Bank in Bagladesh started the idea of micro loans in 1976. Several million borrowers have received and repaid more than two billion dollars. The bank loans money to women who use the money for a source of future income, such as chickens or a goat, a sewing machine or vegetables.
.. something other people will pay for the end result of (eggs, milk, a dress etc). In groups of 5 women, woman discuss their ideas. 1 or 2 get the loan and the others support those women. After 6 weeks of regularly repaying weekly, two others get their loan and everyone supports them until all five have their own money producing businesses. This builds trust, community and draws upon the ancient idea of circles of women.
In Nigeria in 2002, 600 women aged from 20 to 90 protested and staged a sit-in that closed down a huge Chevron Texaco Terminal.
About 150 women managed to get inside the facility and block the airstrip and port that were the exit routes and they held 700 workers hostage. Why? The facility is in the oil rich Niger Delta and the people surrounding it live in abject poverty, with no electricity or running water. The women staged the protest to persuade the oil company to hire their sons and husbands and fathers to give some of the huge revenue back their villages. The company called in police and soldiers with guns but in the end it ended peacefully.
.. the company installed electricity and water systems in their communities, built schools and clinics, hired the sons and husbands and helped the women build chicken farms to sell the food to the company cafeteria. It was a core group of older women who led the protest!
In Argentina from 1976 o 1983, under military rule, nearly 30,000 people disappeared. They were kidnapped, arrested, tortured, mutilated and murdered. The ones who protested were the mothers of those who disappeared, who came to be known as members of the Madres de la Plaza de Mayo.
In 1977 they began marching in the plaza every Thursday. One woman lost 7 members of her family and begged the archbishop to use his influence only to be told to commend herself to the Virgin Mary and resign herself to her loss! Why did they march? Out of desperation, out of concern...out of needing to be heard. Fourteen women walked the first time and nine of those women, including a nun, were taken away, never to be heard of again but the Mothers returned the following week and the weeks, months and years after that.
In the early days they were known as the crazy ones. Now they are considered to be the conscience of Argentina.
In a Ugandan village a woman was severely and regularly beaten by her husband. When the other women villagers asked her about it, she told them she felt she "deserved" it. They pointed out that if she were killed her children would be without a mother and then she decided to allow them to help. They gave her a plastic child's whistle and the next time she was beaten she blew the whistle, every woman from the village came running into the hut asking to be beaten too! The beating stopped.
Soon all the women in the village carried a little whistle and this idea went from village to village and eventually led to legislation that made spousal abuse illegal.
Inspiring stories I hear you say and my question to you is what are you going to do now? As with every second of every one of our days we have choices. We can go back to hiding behind the self doubt, listen to the little voice that says "You can't do that!" Or we can going to stretch ourself... go beyond our limiting boundaries, out of our comfort zone into a place where our Spirit can express itself through us; where our intuition guides us to where we need to be, where our Core Self allows us to be the truth of who we have always been?
So in closing, what is the connecting link? I believe it is women supporting each other; women wanting to make a difference, not just in their own lives but in the lives of others.
From time immemorial women have gathered together and sat in circles, some sharing, some listening, all being there for each other, without judgement, simply with compassion and love. A circle with a spiritual core invites the invisible world of the soul to be present and in that presence will flow peace. What I wish for you is to find a circle of friends that ask more of you than you do... that wraps its arms around you when you are sad and laughs and celebrates your joys. A circle in which you know that your life is important and you do make a difference.
Like Clarissa Pinkola Estes (Women who run with Wolves) says: "Ours is not the task of fixing the entire world all at once, but of stretching out to mend the parts of the world that is within our reach."
Mission Driven - Answering the Two Questions That Clearly Define a Nonprofit's Mission
Defining a compelling mission is one of the most important things that the Board of a nonprofit can do. Why? The mission of a nonprofit is its cornerstone. Just as the foundation of a building depends on its cornerstone, so does the strength of a nonprofit rely on its mission.
For the past three decades, I have consulted with boards of small to mid-sized nonprofits across the United States. Often, they engage me to help with fundraising and are surprised when I use the first board session to focus on their mission.
The board members want to talk about how to increase the annual fund or create a capital campaign or access grant funds. They often don't often understand that clarity about their mission and the ability to express it is the first step in successful fundraising.
I use that first board session helping Board members answer the two questions needed to clearly define their mission - and raise more money to support it.
"Why does your organization exist?"
"Who were you created to help?"
I always am amazed at the diversity of answers I hear.
Let me give you two examples. The first nonprofit was a less than a year old. The board members who created it were a group of affluent women who created this nonprofit which provided business clothes for women. Below are some of the answers I received in response to the above questions:
"To help us find a use for good clothes we no longer need."
"To feel useful in the community"
"To help women who can't afford business clothes."
"To teach women about proper business dress."
"To help poor women.
"
No wonder this organization was struggling - there was no clarity on the board about why they existed and who they were created to help. Were they supposed to help poor women, women seeking jobs no matter their income, themselves or the community? The more they talked, the more they disagreed.
It soon became apparent that there was not agreement within the group about why they existed or whom they wanted to help. And, the more they talked, the more they disagreed. They wanted me to create a fundraising plan right away.
Later they would define their mission. I had to refuse their request because no plan can succeed long term when an organization isn't mission driven. It came as no surprise to me that this nonprofit went out of business in less than two years.
The second example is another nonprofit also in its first year of operations in the mid-eighties. It had adequate start-up funds but wanted to create a long term fundraising plan. When I began the first workshop with the mission focus, the Board rebelled.
"We're not the Salvation Army." (This was two decades ago before the term "mission" had become standard in both the profit and nonprofit world.) When I substituted the word "purpose" for mission, Board members began answering the questions.
In response to the question of why this organization existed, board members agreed its purpose was to revitalize a neighborhood where the homes, streets and parks were physically distressed. This group was also very clear about whom they would serve. First, they would help the homeowners who couldn't afford bank loans to fix up their houses.
Second, they would work with all the residents in the community who wanted their neighborhood to be a better place to live.
I can't say I was surprised when I received an invitation to attend the 25th Anniversary Celebration for this housing nonprofit. I was surprised, however, to learn that they no longer served a single neighborhood but now provided services county-wide. Each time they had expanded geographically and/or added new programs, Board members used the two questions to guide their expansion efforts.
This is truly a mission driven nonprofit and its successful fundraising reflects this.
For the past three decades, I have consulted with boards of small to mid-sized nonprofits across the United States. Often, they engage me to help with fundraising and are surprised when I use the first board session to focus on their mission.
The board members want to talk about how to increase the annual fund or create a capital campaign or access grant funds. They often don't often understand that clarity about their mission and the ability to express it is the first step in successful fundraising.
I use that first board session helping Board members answer the two questions needed to clearly define their mission - and raise more money to support it.
"Why does your organization exist?"
"Who were you created to help?"
I always am amazed at the diversity of answers I hear.
Let me give you two examples. The first nonprofit was a less than a year old. The board members who created it were a group of affluent women who created this nonprofit which provided business clothes for women. Below are some of the answers I received in response to the above questions:
"To help us find a use for good clothes we no longer need."
"To feel useful in the community"
"To help women who can't afford business clothes."
"To teach women about proper business dress."
"To help poor women.
"
No wonder this organization was struggling - there was no clarity on the board about why they existed and who they were created to help. Were they supposed to help poor women, women seeking jobs no matter their income, themselves or the community? The more they talked, the more they disagreed.
It soon became apparent that there was not agreement within the group about why they existed or whom they wanted to help. And, the more they talked, the more they disagreed. They wanted me to create a fundraising plan right away.
Later they would define their mission. I had to refuse their request because no plan can succeed long term when an organization isn't mission driven. It came as no surprise to me that this nonprofit went out of business in less than two years.
The second example is another nonprofit also in its first year of operations in the mid-eighties. It had adequate start-up funds but wanted to create a long term fundraising plan. When I began the first workshop with the mission focus, the Board rebelled.
"We're not the Salvation Army." (This was two decades ago before the term "mission" had become standard in both the profit and nonprofit world.) When I substituted the word "purpose" for mission, Board members began answering the questions.
In response to the question of why this organization existed, board members agreed its purpose was to revitalize a neighborhood where the homes, streets and parks were physically distressed. This group was also very clear about whom they would serve. First, they would help the homeowners who couldn't afford bank loans to fix up their houses.
Second, they would work with all the residents in the community who wanted their neighborhood to be a better place to live.
I can't say I was surprised when I received an invitation to attend the 25th Anniversary Celebration for this housing nonprofit. I was surprised, however, to learn that they no longer served a single neighborhood but now provided services county-wide. Each time they had expanded geographically and/or added new programs, Board members used the two questions to guide their expansion efforts.
This is truly a mission driven nonprofit and its successful fundraising reflects this.
Business loans for women: Life gets settled with its help
Women, since the first days of the creation of this world have been considered to be quite skilful and efficient in whatever they do. Even you might have been familiar with this saying “Every successful man has a woman behind him.” So, whether it is behind a man or in the front line the capabilities of women can never be overlooked. If you are a woman and want to start your own very independent business then the business loans for women is there to help you out. Small or big, all kind of business can be started by a woman with the help of these business loans for women.
Based on the type of the business that the borrowers want to go for, the business loans are being divided into secured and unsecured loans. The secured loans will help you out in your big business ventures while the unsecured loans are ideal for the small business needs. For securing the secured business loan, you will have to be ready to put your valuable assets as collateral. Otherwise, you will get no permission to borrow money in the secured loans. The benefits of these loans are that the rates of interest in these use to be lower and the repayment duration is longer.
Similarly, the unsecured loans will not ask for any collateral from you. But here you will get small funds and the rate of interest too is higher along with short repayment duration. Still you can handle it as these are not much harassing. Any woman who is having poor credit records can apply for the business loans for women. These loans allow all credit disasters like CCJs, defaults, bankruptcy, late payment, arrears, IVA or skipping of instalments. Thus, your business life will get a good start with the financial helps received from the business loans for women.
Based on the type of the business that the borrowers want to go for, the business loans are being divided into secured and unsecured loans. The secured loans will help you out in your big business ventures while the unsecured loans are ideal for the small business needs. For securing the secured business loan, you will have to be ready to put your valuable assets as collateral. Otherwise, you will get no permission to borrow money in the secured loans. The benefits of these loans are that the rates of interest in these use to be lower and the repayment duration is longer.
Similarly, the unsecured loans will not ask for any collateral from you. But here you will get small funds and the rate of interest too is higher along with short repayment duration. Still you can handle it as these are not much harassing. Any woman who is having poor credit records can apply for the business loans for women. These loans allow all credit disasters like CCJs, defaults, bankruptcy, late payment, arrears, IVA or skipping of instalments. Thus, your business life will get a good start with the financial helps received from the business loans for women.
Monday, December 14, 2009
Government Grants For Women, Individuals, And Small Businesses
>>> Let me show you how to get $12,000 Free Government Grant from the US Government as little as 7 days. Click here now! <<< There are many advantages of getting government grants. You might be unaware of most of them. These grants do not require repayment for the funds and, therefore, supply the best experience for those returning to college. For any individual looking at signing up for a grant to free them of debt, start a business, or earn their college degree, here are a few facts.
These grants do not consider your financial record and this is one of their best aspects. You can qualify for a loan from school you need to attend if you have had bankruptcy in your history. Unlike the case with the federal grants, these do not require any form of repayment and don’t have anything to do with your inability to pay off the loan in the future. In today’s recessive market, the government education grants flourish. The administration has made a package of billions of dollars to help all college students to get educational funding for no less than 2 years.
Most federal grants are for all individuals who want to return to college. However, special grants have also been designed for women. College loans and grants do not necessarily have to be your only focus. You can get grants for businesses as well. Now, there is a big market of presidential grants for small business. There are grant writers that make profit by filling out forms and paperwork for customers so that they can receive thousands of dollars in compensation. These grants of free money are not only for U.
S citizens but also for Canadians. Most people assume that these grants require you to go into debts. However, that is not the case anymore. Your living condition is the key factor. If you’re single and have a low income, you may apply and receive grants in different areas. Single moms can get grants more easily to go back to college, thanks to the new administration. This is also true for those wanting to start businesses. Executive business grants are available for any kind of business. These will fund you whether you are starting a new business or expanding one.
If you cannot free yourself from existing financial debt, these grants will help you solve your monetary problems and you can begin to move forward. The internet is a great place to start researching for all the information about these grants. But beware of charlatans that could sell you lists of outmoded and defunct grant programs; most of these might have never existed in the first place.
These grants do not consider your financial record and this is one of their best aspects. You can qualify for a loan from school you need to attend if you have had bankruptcy in your history. Unlike the case with the federal grants, these do not require any form of repayment and don’t have anything to do with your inability to pay off the loan in the future. In today’s recessive market, the government education grants flourish. The administration has made a package of billions of dollars to help all college students to get educational funding for no less than 2 years.
Most federal grants are for all individuals who want to return to college. However, special grants have also been designed for women. College loans and grants do not necessarily have to be your only focus. You can get grants for businesses as well. Now, there is a big market of presidential grants for small business. There are grant writers that make profit by filling out forms and paperwork for customers so that they can receive thousands of dollars in compensation. These grants of free money are not only for U.
S citizens but also for Canadians. Most people assume that these grants require you to go into debts. However, that is not the case anymore. Your living condition is the key factor. If you’re single and have a low income, you may apply and receive grants in different areas. Single moms can get grants more easily to go back to college, thanks to the new administration. This is also true for those wanting to start businesses. Executive business grants are available for any kind of business. These will fund you whether you are starting a new business or expanding one.
If you cannot free yourself from existing financial debt, these grants will help you solve your monetary problems and you can begin to move forward. The internet is a great place to start researching for all the information about these grants. But beware of charlatans that could sell you lists of outmoded and defunct grant programs; most of these might have never existed in the first place.
Tuesday, December 8, 2009
Business Grants For Women - Find Your Grants Quickly and Easily
The United States government provides economic aid, in the form of Government Grants, from the general federal revenue to various recipients, to carry out public support or stimulation, as authorized by the law of the United States. The grants are distributed by 26 grant making agencies which provide hundreds of billions of dollars of funds to around 900 grant programs administered by the states, local governments and various agencies. These grants are to stimulate economic growth.
Although business grants for women are not available directly from the U.
S. government, free help for planning, starting and expanding businesses, and cheap loans are. The Small Business Administration provides planning, financing, training and advocacy for small businesses and it works with thousands of lending, educational and training institutions nationwide and is able to provide low interest loans.
The U.S. Small Business Administration, or SBA, has offices in every state, the District of Columbia, the Virgin Islands and Puerto Rico. The contact details for each of these can be found by following the link at the end of this article.
The SBA can help you if your business is, or will be independently owned and operated, is not dominant in its field, and meets the maximum business size standards.
Business grants for women are available from the states. Contact details for each state can be found by following the link at the end of this article. Simply put, discover the grants for which you are eligible, and apply for them.
Business grants for women are also listed in the Catalog of Federal Domestic Assistance. In fact, the CFDA provides a full listing of all Federal programs available to State and local governments (including the District of Columbia); federally-recognized Indian tribal governments; Territories (and possessions) of the United States; domestic, public, quasi- public, and private profit and nonprofit organizations and institutions; specialized groups; and individuals.
It is of course comprehensive and, once again it is necessary to discover the grants for which you are eligible and apply for them.
Although business grants for women are not available directly from the U.
S. government, free help for planning, starting and expanding businesses, and cheap loans are. The Small Business Administration provides planning, financing, training and advocacy for small businesses and it works with thousands of lending, educational and training institutions nationwide and is able to provide low interest loans.
The U.S. Small Business Administration, or SBA, has offices in every state, the District of Columbia, the Virgin Islands and Puerto Rico. The contact details for each of these can be found by following the link at the end of this article.
The SBA can help you if your business is, or will be independently owned and operated, is not dominant in its field, and meets the maximum business size standards.
Business grants for women are available from the states. Contact details for each state can be found by following the link at the end of this article. Simply put, discover the grants for which you are eligible, and apply for them.
Business grants for women are also listed in the Catalog of Federal Domestic Assistance. In fact, the CFDA provides a full listing of all Federal programs available to State and local governments (including the District of Columbia); federally-recognized Indian tribal governments; Territories (and possessions) of the United States; domestic, public, quasi- public, and private profit and nonprofit organizations and institutions; specialized groups; and individuals.
It is of course comprehensive and, once again it is necessary to discover the grants for which you are eligible and apply for them.
The Deal With Small Business Grants
The Deal With Small Business Grants "Deal or no Deal?" - Catchphrase question asked by Howie Mandel to contestants on "Deal or no Deal".Visit at http://gov-debt-grantbenefit.blogspot.com When the banker makes an offer on "Deal or no Deal," it's usually not one that benefits a contestant. But a small business grant is a deal that can benefit a business owner. Unlike a business loan, that must be repaid, a grant is a gift. The translation is that it's truly a gift, with no strings or future obligations attached.
It doesn't matter if a business already exists or is still in the planning stages, businesses are eligible to obtain such a grant under both scenarios. Numerous government agencies, non-profits and other organizations can be found that are eager to award money to small businesses. Why? Because giving grant money not only helps a business with revenues but also improves the community they serve through increased buying which benefits the economy. Many hours can be involved in trying to find government grants.
Most state and provinces provide detailed information about applying on the Internet sites of their economic development offices. Someone searching for a business grant may also find what they are looking for on other organization Internet sites. But the key to success is finding an organization that specializes in such grants, as opposed to those for other business pursuits. The outlook for obtaining a grant to start a small business is even better for women and other minorities because government bodies enjoy promoting business ownership by those groups.
Obtaining this type of grant money may also be easier for someone wanting to open a business in an area that is economically deprived. Other groups for which a start-up money may be targeted toward include: Individuals with disabilities Native Americans Veterans A small business grant, like any other grant is awarded after applying and approval by the municipality or organization which awards the grant. But requesting government money isn't about simply picking up a telephone and making the request.
The awarding of a government grant is followed by a small business owner submitting a detailed business plan. The plan should specifically identify how the money will be spent. A review of the request will most likely be looked on even more favorably if the business owner can identify how the small business will benefit the community in which it will be located. A request for a grant money takes more than just writing a brief letter. The request should be detailed. Because applying for grants is also a talent, many companies and non-profits hire individuals to perform such tasks.
Help in writing a government grant request can be found through a service for professionals who offer the service, along with employment classifieds in newspapers. Beyond a doubt, "free" money from the government is a deal small business owners should not pass on. With no risks or obligations and a guarantee of helping a business, the only response when it comes to a small business grant is "Deal!"Visit at http://gov-debt-grantbenefit.blogspot.com
It doesn't matter if a business already exists or is still in the planning stages, businesses are eligible to obtain such a grant under both scenarios. Numerous government agencies, non-profits and other organizations can be found that are eager to award money to small businesses. Why? Because giving grant money not only helps a business with revenues but also improves the community they serve through increased buying which benefits the economy. Many hours can be involved in trying to find government grants.
Most state and provinces provide detailed information about applying on the Internet sites of their economic development offices. Someone searching for a business grant may also find what they are looking for on other organization Internet sites. But the key to success is finding an organization that specializes in such grants, as opposed to those for other business pursuits. The outlook for obtaining a grant to start a small business is even better for women and other minorities because government bodies enjoy promoting business ownership by those groups.
Obtaining this type of grant money may also be easier for someone wanting to open a business in an area that is economically deprived. Other groups for which a start-up money may be targeted toward include: Individuals with disabilities Native Americans Veterans A small business grant, like any other grant is awarded after applying and approval by the municipality or organization which awards the grant. But requesting government money isn't about simply picking up a telephone and making the request.
The awarding of a government grant is followed by a small business owner submitting a detailed business plan. The plan should specifically identify how the money will be spent. A review of the request will most likely be looked on even more favorably if the business owner can identify how the small business will benefit the community in which it will be located. A request for a grant money takes more than just writing a brief letter. The request should be detailed. Because applying for grants is also a talent, many companies and non-profits hire individuals to perform such tasks.
Help in writing a government grant request can be found through a service for professionals who offer the service, along with employment classifieds in newspapers. Beyond a doubt, "free" money from the government is a deal small business owners should not pass on. With no risks or obligations and a guarantee of helping a business, the only response when it comes to a small business grant is "Deal!"Visit at http://gov-debt-grantbenefit.blogspot.com
Business Loans For Women - Finance Your Business Requirements With Ease and Comfort
Nowadays women are also indulging in business activities. They also run various big and small business empires quite nicely. But, to run a business everyone needs good amount of funds. However, when you need instant funds to expand or promote your business then you can take business loans for women into consideration and grab swift funds without facing any trouble. This loan facility is easily available.
In this twenty first century, women extent their boundaries from domestic works to professional front.
Financial lenders come to know about this thing and introduced a financial plan business loans for women. This plan is especially proposed for the betterment of women. Being a business woman you can freely consider these loans without faxing much papers or documents.
With assist of business loans people can grab rapid funds as per their needs without disclosing their credit status. Here, lender will not give main strength to your credit records. He only checks your repayment ability and if he finds you capable then he'll approve your loan application within least span of time.
The entire application can be handled online and after approval the cash will automatically credit into your account. You only need a PC with internet connectivity at your place.
This loan facility is available in both secured and unsecured form. You can select the deal as per your need and financial capability. If you think you are not capable of placing security and need funds for small duration then unsecured option will suits you a lot. With these loans you can grab funds ranging from
In this twenty first century, women extent their boundaries from domestic works to professional front.
Financial lenders come to know about this thing and introduced a financial plan business loans for women. This plan is especially proposed for the betterment of women. Being a business woman you can freely consider these loans without faxing much papers or documents.
With assist of business loans people can grab rapid funds as per their needs without disclosing their credit status. Here, lender will not give main strength to your credit records. He only checks your repayment ability and if he finds you capable then he'll approve your loan application within least span of time.
The entire application can be handled online and after approval the cash will automatically credit into your account. You only need a PC with internet connectivity at your place.
This loan facility is available in both secured and unsecured form. You can select the deal as per your need and financial capability. If you think you are not capable of placing security and need funds for small duration then unsecured option will suits you a lot. With these loans you can grab funds ranging from
Utilizing the Government Grant Programs
Utilizing the Government Grant Programs Are you searching for some government grant programs that will help you to bring out all your ideas and will make them true?Visit at http://gov-debt-grantbenefit.blogspot.com ÂThere are a number of such grant programs which are offered by the governments of various countries. These grants are offered by America, Australia and most of the European countries as well. Grants are one of the best programs that are offered by the government. It is usually the duty of the federal government to allow the grants.
The government provides grant for various reasons and to fulfill a number of your purposes. You just need to apply for the government grant programs which will suit your needs. The grants are for women, students, business, entrepreneurs, scientists, musicians, artists, communities, inventors and many other grant programs. The Programs Almost everybody knows about the government grants and most of them are interested in taking the help of these grants to make their life better. To make their dreams come true.
Some take the government grant programs so that they can complete their studies while other takes it to improve on their business or even to start a new business. It provides a great financial help to solve the problems which you face. To utilize the government grants you just need to know the policies of the government regarding the grants. Once you know all the policies you will be able to understand whether you qualify for a particular grant program or not. And as you find yourself qualified you just need to apply for the grant and then no looking back.
The best thing about the government grant programs is that you do not need to repay the grants. The grants are not like the loans. You do not need to provide a down payment for the grants. The more you know about the grants the more benefit you can get. Forms of Grants You must remember that the grants paid are not always in the form of checks. If you opt for a government grant for your education then the grant might come in the form of the reduction of the tuition fees for your school or college.
The government grant programs might always not mean that the government will help you with money. The government can help you in various other forms. Again if you have a great debt on you then the government grant can help you come out of the debt. All these are the various forms of government grant programs. To start a new business there are various organizations which can help you start the new business and can also help you out in various other ways. So go for the government grants if can change your life.
While you can attain free money from government grants, it is vital you take your time to find a reputable company that is trustworthy. Daniel J Stevens has compared and reviewed the top Government grant programs available today online!Visit at http://gov-debt-grantbenefit.blogspot.comÂ
The government provides grant for various reasons and to fulfill a number of your purposes. You just need to apply for the government grant programs which will suit your needs. The grants are for women, students, business, entrepreneurs, scientists, musicians, artists, communities, inventors and many other grant programs. The Programs Almost everybody knows about the government grants and most of them are interested in taking the help of these grants to make their life better. To make their dreams come true.
Some take the government grant programs so that they can complete their studies while other takes it to improve on their business or even to start a new business. It provides a great financial help to solve the problems which you face. To utilize the government grants you just need to know the policies of the government regarding the grants. Once you know all the policies you will be able to understand whether you qualify for a particular grant program or not. And as you find yourself qualified you just need to apply for the grant and then no looking back.
The best thing about the government grant programs is that you do not need to repay the grants. The grants are not like the loans. You do not need to provide a down payment for the grants. The more you know about the grants the more benefit you can get. Forms of Grants You must remember that the grants paid are not always in the form of checks. If you opt for a government grant for your education then the grant might come in the form of the reduction of the tuition fees for your school or college.
The government grant programs might always not mean that the government will help you with money. The government can help you in various other forms. Again if you have a great debt on you then the government grant can help you come out of the debt. All these are the various forms of government grant programs. To start a new business there are various organizations which can help you start the new business and can also help you out in various other ways. So go for the government grants if can change your life.
While you can attain free money from government grants, it is vital you take your time to find a reputable company that is trustworthy. Daniel J Stevens has compared and reviewed the top Government grant programs available today online!Visit at http://gov-debt-grantbenefit.blogspot.comÂ
Sunday, December 6, 2009
How To Work At Home
One very large business boom is the work at home business; many people are leaving their careers in the business world to work within the comforts of home. There are many advantages and some disadvantages to working at home. This article is about these advantages and disadvantages that a person can face when choosing to work at home. First, now days people can work at home doing many different things such as, writing, typing, resume services, selling products, graphic design, web design, coding, blogs, selling different services, advertisement, marketing, and many other types of things.
It is important when you decide to work at home, you know what to expect. This is a decision that should not be taken lightly and should be fully considered prior to taking the leap. Let us begin with the advantages of working at home and there are many of them to consider, these will look really good, however you need to consider both sides of the coin and decide if it is the right decision for you.
One popular advantage is the fact that you will be your own boss; you will no longer have to answer to anyone about anything.
You have the ability to set your own hours, so you can work as long or as little as you want. However, you should know that in order to make a home business work well, you would need to invest a good deal of time into it. The success or failing of your home business will depend on the effort you put into the business.
Another advantage is the ability to set your own prices and determine your income. However, you will want to investigate fully your chosen area of business and find out what others are charging.
Be competitive you do not want to over charge, but you also do not want to under charge and lose money. You will also be able to work in any attire you want to when you are within your home (obviously if you have to go out for business reasons you will want to look professional), if you want to work in your office in your pajamas, you can do so.
One very appealing advantage to working at home for women in particular is the ability to spend more time with their children and be at home when they are.
This is an excellent way of bonding with your family and giving them more of yourself and your time. Additionally, it saves money in a variety of ways; you do not have to spend money on childcare, gas in driving back and forth to work, or wear and tear on your vehicle.
Jeff Lakie is a contributing author at our website where
You can get a free
Secured Loans Quote right now. Take a moment and see
for yourself.
It is important when you decide to work at home, you know what to expect. This is a decision that should not be taken lightly and should be fully considered prior to taking the leap. Let us begin with the advantages of working at home and there are many of them to consider, these will look really good, however you need to consider both sides of the coin and decide if it is the right decision for you.
One popular advantage is the fact that you will be your own boss; you will no longer have to answer to anyone about anything.
You have the ability to set your own hours, so you can work as long or as little as you want. However, you should know that in order to make a home business work well, you would need to invest a good deal of time into it. The success or failing of your home business will depend on the effort you put into the business.
Another advantage is the ability to set your own prices and determine your income. However, you will want to investigate fully your chosen area of business and find out what others are charging.
Be competitive you do not want to over charge, but you also do not want to under charge and lose money. You will also be able to work in any attire you want to when you are within your home (obviously if you have to go out for business reasons you will want to look professional), if you want to work in your office in your pajamas, you can do so.
One very appealing advantage to working at home for women in particular is the ability to spend more time with their children and be at home when they are.
This is an excellent way of bonding with your family and giving them more of yourself and your time. Additionally, it saves money in a variety of ways; you do not have to spend money on childcare, gas in driving back and forth to work, or wear and tear on your vehicle.
Jeff Lakie is a contributing author at our website where
You can get a free
Secured Loans Quote right now. Take a moment and see
for yourself.
Women in Leadership - This Countries Most Under Utilized Asset
In the spirit of full disclosure, I must admit that I am definitely a card carrying member of the Baby Boomers. I also admit that during my early career in the 70's, I could have undoubtedly been considered a poster child for the "Male Chauvinistic Pig" movement. However, experience and maturity have taught me a great lesson regarding leadership and the abilities, intelligence and values of the female employee. Today, I firmly believe that women in the workplace are the most under utilized asset this country has.
We have come a long way from that chauvinistic attitude of the past that believed men are simply better, more natural leaders; the belief that women's careers were compromised by their responsibilities at home? Yes we have come a long way. But, Statistics are still shocking for women who hope to succeed in the business world. Today, women occupy 40% of all managerial positions in the United States but only 6% of the Fortune 500's top executives are female. (Newsweek Magazine)
In your industry this percentage may even be lower.
The "glass ceiling," or the idea that women successfully climb the corporate ladder until they're blocked by this transparent ceiling, has been accepted as the largest obstacle to female leadership in the workplace. Hillary Clinton and Sarah Palin claimed to have put millions of cracks in this ceiling but it hasn't been completely shattered yet.
This ceiling represents many characteristics that even most men would challenge and yet they still exist. There are barriers that limit industry's ability to capitalize on the enormous amount of leadership potential that exits in almost any work place in this country.
Barriers that women encounter at all levels include prejudice resistance to women's leadership, leadership style issues and family demands.
These obstacles may even create an uneasy feeling for women or their relationship with leadership and the power it commands. A few female leaders have told me that they fear that the power of leadership can give off the impression that they are ruthless or pushy. These are Issues that challenge their basic character and femininity; Challenges that men don't have to encounter.
Diversity is Strength
Companies that recognize the female leadership talent pool that exists within the confines of their own office will implement specific initiatives to leverage that talent. One of the very basic and first steps to recognizing this talent is to begin evaluating the female employee based on specific contributions as opposed to hours worked. Creating work teams, project teams and management teams that include more than one loan female allows that talent to grow and prosper instead of being suppressed by male domination.
Closing the leadership gap and leveraging this talent has to become a priority for businesses of all nature if we are to remain competitive in the global environment. For this country to have this much inherent talent and yet very few women in the top levels of the chain of command is disturbing.
But Women have Babies
So What!! The idea that women having babies need broader support and special handling is simply hog wash. Women that strive to be leaders and want to contribute at a higher level of hierarchy are often more capable of managing a life balance than most men.
And yet, experts have stated that the average lifetime earnings of a highly-skilled female leader who has a child in her 20s is $625,000; while the average lifetime earnings for those having a baby in their 30s is $750,000. For those who have no babies, lifetime earnings reach $913,000." Does that sound discriminatory?
Women in Business have been Stereotyped
Rachael Roy, a top designer and CEO of her own company stated that "Many young women apply self worth to the attention they receive from men.
This type of attention is instantly gratifying."
This is unfortunate because this type of gratification contributes to the stereotype and inhibits leadership confidence and leadership integrity. This is social conditioning. There is no more important skill in attaining success than your ability to communicate effectively. Yet women are often sabotaged by their communication skills. Differences in how men and women communicate are rooted in social conditioning. Stereotyped behavior has been expected of women since time began.
Women are not expected to argue, displaying anger. Women are expected to be polite in the workplace and not curse. They are expected to be cooperative and, by and large, docile.
Men Have Different Rules
The same rules or expectations do not apply to men. Women have always been encouraged to speak softly and smile a lot and yet men are not chastised for emotional outbursts most of the time. This gender differentiation begins early in life. Men in the business world generally have few, if any, qualms about issuing orders or voicing complaints.
Many women tend to be uncomfortable pulling rank; they seek agreement and consistency. Disagreement and conflict don't affect men in the same way; some even enjoy it, while women typically go out of their way to avoid confrontation.
Men expect and are expected to be successful. We certainly are willing to take full credit when we do succeed. The principle for success on the part of women is different. Many women only hope to be successful. When women do succeed they are more apt to demonstrate true leadership character by attributing their success to teamwork or the support of their peers and subordinates.
Women Do Have Power
Traditionally, in the business world, the male model of authority was considered superior to the female model of collaboration. However, it's becoming abundantly clear that effective communication is the essence of good leadership and that is what really counts. Either style can be effective based on ones individual leadership model. The key to success lies in focusing on and creating for one's self a style that encompasses the best of both authority and collaboration with an emphasis on a servant style of leadership.
Women as a group can be very powerful if they would only embrace that power. They must reject in disbelief that business is strictly a man's world and that they must follow mans rule. Women have different values, different styles and different approaches to many things. Men could be well served to listen more. We must leverage every asset we have to maximize success. Women may not have all the answers but I submit they may have many that we as men haven't realized yet.
So, as you review your employee development plans, don't ignore the potential that may exist at the receptionist desk, customer service or accounting where you traditionally find many of your female employees.
Search for leadership potential regardless of gender and you may find a number of diamonds in the rough.
We have come a long way from that chauvinistic attitude of the past that believed men are simply better, more natural leaders; the belief that women's careers were compromised by their responsibilities at home? Yes we have come a long way. But, Statistics are still shocking for women who hope to succeed in the business world. Today, women occupy 40% of all managerial positions in the United States but only 6% of the Fortune 500's top executives are female. (Newsweek Magazine)
In your industry this percentage may even be lower.
The "glass ceiling," or the idea that women successfully climb the corporate ladder until they're blocked by this transparent ceiling, has been accepted as the largest obstacle to female leadership in the workplace. Hillary Clinton and Sarah Palin claimed to have put millions of cracks in this ceiling but it hasn't been completely shattered yet.
This ceiling represents many characteristics that even most men would challenge and yet they still exist. There are barriers that limit industry's ability to capitalize on the enormous amount of leadership potential that exits in almost any work place in this country.
Barriers that women encounter at all levels include prejudice resistance to women's leadership, leadership style issues and family demands.
These obstacles may even create an uneasy feeling for women or their relationship with leadership and the power it commands. A few female leaders have told me that they fear that the power of leadership can give off the impression that they are ruthless or pushy. These are Issues that challenge their basic character and femininity; Challenges that men don't have to encounter.
Diversity is Strength
Companies that recognize the female leadership talent pool that exists within the confines of their own office will implement specific initiatives to leverage that talent. One of the very basic and first steps to recognizing this talent is to begin evaluating the female employee based on specific contributions as opposed to hours worked. Creating work teams, project teams and management teams that include more than one loan female allows that talent to grow and prosper instead of being suppressed by male domination.
Closing the leadership gap and leveraging this talent has to become a priority for businesses of all nature if we are to remain competitive in the global environment. For this country to have this much inherent talent and yet very few women in the top levels of the chain of command is disturbing.
But Women have Babies
So What!! The idea that women having babies need broader support and special handling is simply hog wash. Women that strive to be leaders and want to contribute at a higher level of hierarchy are often more capable of managing a life balance than most men.
And yet, experts have stated that the average lifetime earnings of a highly-skilled female leader who has a child in her 20s is $625,000; while the average lifetime earnings for those having a baby in their 30s is $750,000. For those who have no babies, lifetime earnings reach $913,000." Does that sound discriminatory?
Women in Business have been Stereotyped
Rachael Roy, a top designer and CEO of her own company stated that "Many young women apply self worth to the attention they receive from men.
This type of attention is instantly gratifying."
This is unfortunate because this type of gratification contributes to the stereotype and inhibits leadership confidence and leadership integrity. This is social conditioning. There is no more important skill in attaining success than your ability to communicate effectively. Yet women are often sabotaged by their communication skills. Differences in how men and women communicate are rooted in social conditioning. Stereotyped behavior has been expected of women since time began.
Women are not expected to argue, displaying anger. Women are expected to be polite in the workplace and not curse. They are expected to be cooperative and, by and large, docile.
Men Have Different Rules
The same rules or expectations do not apply to men. Women have always been encouraged to speak softly and smile a lot and yet men are not chastised for emotional outbursts most of the time. This gender differentiation begins early in life. Men in the business world generally have few, if any, qualms about issuing orders or voicing complaints.
Many women tend to be uncomfortable pulling rank; they seek agreement and consistency. Disagreement and conflict don't affect men in the same way; some even enjoy it, while women typically go out of their way to avoid confrontation.
Men expect and are expected to be successful. We certainly are willing to take full credit when we do succeed. The principle for success on the part of women is different. Many women only hope to be successful. When women do succeed they are more apt to demonstrate true leadership character by attributing their success to teamwork or the support of their peers and subordinates.
Women Do Have Power
Traditionally, in the business world, the male model of authority was considered superior to the female model of collaboration. However, it's becoming abundantly clear that effective communication is the essence of good leadership and that is what really counts. Either style can be effective based on ones individual leadership model. The key to success lies in focusing on and creating for one's self a style that encompasses the best of both authority and collaboration with an emphasis on a servant style of leadership.
Women as a group can be very powerful if they would only embrace that power. They must reject in disbelief that business is strictly a man's world and that they must follow mans rule. Women have different values, different styles and different approaches to many things. Men could be well served to listen more. We must leverage every asset we have to maximize success. Women may not have all the answers but I submit they may have many that we as men haven't realized yet.
So, as you review your employee development plans, don't ignore the potential that may exist at the receptionist desk, customer service or accounting where you traditionally find many of your female employees.
Search for leadership potential regardless of gender and you may find a number of diamonds in the rough.
A Short list of Points before Starting a Home Based Small Business
Home based Small Business - An Alternative CareerStarting a home based small business is like living an American dream where money making and living a desired lifestyle is the best of anything.A small home business does not mean something totally new. We have been doing this job since childhood. Our small jobs included babysitting, delivering newspaper, tutoring, etc. But once we become adults, our aspirations change, dreams change, demands multiply, hence, we have to strategically plan a right kind of home based small business.
We have all been brought up with great corporate dreams. That way we are conditioned and educated - to live a life with corporate benefit packages. Recently, there has been a shift from corporate dreams to having one’s own, may be a small business. Because, freedom of work is as important as the monetary benefits.Today, we prefer to a proprietor being self-employed. Late hours, official compulsions and job dissatisfactions leads many of us to something on our own. Besides personal difficulties, as adults we have to oblige our family also.
We need to be with our spouse, kids, other members of our family, and friends.Home business industry is booming fast at the rate of 17% annual growth. But, it is not free from scams as majority of home based small businesses run via internet. It is prone to be abused. Recently, safety and security of the online home based businesses are strengthened by various affiliate programs and laws.Things to Consider before Starting a Small Home Based Business•Â ÂType of Business: Thousand are the ways of life.
Which one would you choose? Really difficult. Jot down your likes, dislikes, experience and assets. Rough plan the possible number of small businesses.•Â ÂTime Factor: Your own home business definitely provides your flexible timings which is not possible in working in a corporate office. Still you are in the difficulty in choosing one from full-time and part time home businesses. You can schedule your work hours after considering all your household activities and business requirements.
•Â ÂThe Budget: Well, you are going to start a small home based business. But, how small, or for that matter how big is your small business? Nature of your home business and the amount of capital you have, determine your future course. As per your standing, you will plan startup costs, obtain loan or invite a partner.•Â ÂResearch: Reading this piece of literature shows that you are interested in home businesses, and you have some idea regarding the your kind of business. But the first to investigate and research different home based businesses.
You can definitely search internet for that purpose.•Â ÂThe Plan: Planning is the final sketch. It might consist of the course of actions, description of the service/product, and the volume of business as per your qualification and capabilities.•Â ÂPutting into Action: After you have completed your plan. Activating the plan and its success is dependent on foundation of plan. In case you might not act properly, solid plan will save you from potential losses and/or setbacks.
We have all been brought up with great corporate dreams. That way we are conditioned and educated - to live a life with corporate benefit packages. Recently, there has been a shift from corporate dreams to having one’s own, may be a small business. Because, freedom of work is as important as the monetary benefits.Today, we prefer to a proprietor being self-employed. Late hours, official compulsions and job dissatisfactions leads many of us to something on our own. Besides personal difficulties, as adults we have to oblige our family also.
We need to be with our spouse, kids, other members of our family, and friends.Home business industry is booming fast at the rate of 17% annual growth. But, it is not free from scams as majority of home based small businesses run via internet. It is prone to be abused. Recently, safety and security of the online home based businesses are strengthened by various affiliate programs and laws.Things to Consider before Starting a Small Home Based Business•Â ÂType of Business: Thousand are the ways of life.
Which one would you choose? Really difficult. Jot down your likes, dislikes, experience and assets. Rough plan the possible number of small businesses.•Â ÂTime Factor: Your own home business definitely provides your flexible timings which is not possible in working in a corporate office. Still you are in the difficulty in choosing one from full-time and part time home businesses. You can schedule your work hours after considering all your household activities and business requirements.
•Â ÂThe Budget: Well, you are going to start a small home based business. But, how small, or for that matter how big is your small business? Nature of your home business and the amount of capital you have, determine your future course. As per your standing, you will plan startup costs, obtain loan or invite a partner.•Â ÂResearch: Reading this piece of literature shows that you are interested in home businesses, and you have some idea regarding the your kind of business. But the first to investigate and research different home based businesses.
You can definitely search internet for that purpose.•Â ÂThe Plan: Planning is the final sketch. It might consist of the course of actions, description of the service/product, and the volume of business as per your qualification and capabilities.•Â ÂPutting into Action: After you have completed your plan. Activating the plan and its success is dependent on foundation of plan. In case you might not act properly, solid plan will save you from potential losses and/or setbacks.
An Accountant Supply List
Not many years ago, accountant supply lists involved items such as ledgers, stamps with inkpads, and a very large cup of sharp pencils. Today, accountant supply lists are much different.
Computer
First and foremost, the most important accountant supply to purchase is a computer. This is a given in nearly every existing business in the United States today, and choosing a computer can be complicated and confusing due to the many options that are available. If you don't have a computer that you can use for your accounting business, visit your local accountant supply store, office supply store, or computer dealer.
Shop around at a minimum of three places, and ask a sales representative to demonstrate the different features, as well as review features on memory. Bring a note book to write down the different types of computers you've seen, as well as the pros and cons of each different computer. If you have a relative or close friend who knows computers, share your findings in order to make the most educated purchase that is best for your business.
Accounting Software
After purchasing a computer, or if you already have a computer suitable for your accounting office, the obvious next accountant supply that will be needed is a good accounting software package.
Rather than choosing accounting software by brand, though, choose software that is right for your particular business.
Out-of-the-box accounting software is most suitable for small and medium-sized businesses that have standard accountant supply needs. If your business needs unique data reports, make sure the accounting software you choose offers customizable reports. If you run a service-related business, check to be sure the accounting software includes features such as a time and billing module.
When choosing your software, ask a few pertinent questions to make sure the package is right for your accounting business.
- Does the accounting software allow you to print or electronically send cheques, purchase orders, and invoices?
- Does it have internet connectivity so you can bank online?
- Is it integrated with other software that you often use, such as Microsoft Office?
- Is it able to convert data from other accounting programs or databases? In other words, will the accounting software be able to meet all of your needs, now and in the future?
- Does it work easily with tax forms and configurations?
If you anticipate your business to grow and include other staff accountants, consider these additional questions as well.
- Is the accounting software networkable?
- How easy or expensive is it to move from one user to multi-users?
- With some accounting software, adding new users is just a matter of buying the appropriate number of user licenses; with others, you have to purchase multiple copies of the accounting software program, which is much more expensive.
Some software accountant supply packages, such as Peachtree by Sage, offer areas of accounting software specialty as well, such as accounting for construction, accounting for distribution, accounting for manufacturing, and accounting for nonprofit organizations.
Therefore, as with a computer purchase, get several opinions from various sources in order to make the most educated purchase for your accounting businesss.
Other Supplies
Once a computer system and software package is installed, filling an accountant supply cabinet is the next item a self employed accountant should choose to complete. Before spending your hard earned dollars, though, carefully research the items that you will need the most and those items that you will need immediately in your particular accounting specialty.
A few basic items for your effectively equipping your office, which are available at most any accountant supply or office supply store, are as follows:
- Client tax guide organizers
- Presentation materials and client folders
- Accounting forms
- Filing cabinet with file folders
- Accounting reference materials
- Telephone with headset
- Desk top calculator and adding machine
Some items that will be needed in your accountant supply cabinet can be purchased at an accountant supply or office supply store, but could also be obtained at no charge through the Internal Revenue Service (IRS) or ordered at irs.
gov.
- W2 and 1099 tax forms
- Federal and State envelopes
- Federal and State income tax forms for the current tax year
Basic office supplies that should be included on your accountant supply list are:
- Pens
- Pencils and an electric pencil sharpener
- Paper clips
- Stapler
- Rubber bands
- Desk organizers and baskets for organizing paperwork to be kept on your desk
- Envelopes of various sizes
- Postage meter if you do or plan on doing a lot of daily mailings on a very regular basis
- Self inking stamps - one with your business mailing address and one for stamping bank deposits
- Letterhead and envelopes with your business name printed on them
- Business cards
Additionally, consider a unique accountant supply that could be of great benefit to you and your clients -- a subscription to a tax update newsletter, or another resource that will keep you regularly informed of tax updates, and can help you remain updated on the latest changes in taxes and tax laws.
Rebecca Game is the founder of Digital Women ฎ, Digital-Women.com, an online community for women in business. She is a 30 year entrepreneur and dedicated to helping other women find business loans and business grants. Visit her site: Business Grants and Loans for Women
http://www.digital-women.com
Computer
First and foremost, the most important accountant supply to purchase is a computer. This is a given in nearly every existing business in the United States today, and choosing a computer can be complicated and confusing due to the many options that are available. If you don't have a computer that you can use for your accounting business, visit your local accountant supply store, office supply store, or computer dealer.
Shop around at a minimum of three places, and ask a sales representative to demonstrate the different features, as well as review features on memory. Bring a note book to write down the different types of computers you've seen, as well as the pros and cons of each different computer. If you have a relative or close friend who knows computers, share your findings in order to make the most educated purchase that is best for your business.
Accounting Software
After purchasing a computer, or if you already have a computer suitable for your accounting office, the obvious next accountant supply that will be needed is a good accounting software package.
Rather than choosing accounting software by brand, though, choose software that is right for your particular business.
Out-of-the-box accounting software is most suitable for small and medium-sized businesses that have standard accountant supply needs. If your business needs unique data reports, make sure the accounting software you choose offers customizable reports. If you run a service-related business, check to be sure the accounting software includes features such as a time and billing module.
When choosing your software, ask a few pertinent questions to make sure the package is right for your accounting business.
- Does the accounting software allow you to print or electronically send cheques, purchase orders, and invoices?
- Does it have internet connectivity so you can bank online?
- Is it integrated with other software that you often use, such as Microsoft Office?
- Is it able to convert data from other accounting programs or databases? In other words, will the accounting software be able to meet all of your needs, now and in the future?
- Does it work easily with tax forms and configurations?
If you anticipate your business to grow and include other staff accountants, consider these additional questions as well.
- Is the accounting software networkable?
- How easy or expensive is it to move from one user to multi-users?
- With some accounting software, adding new users is just a matter of buying the appropriate number of user licenses; with others, you have to purchase multiple copies of the accounting software program, which is much more expensive.
Some software accountant supply packages, such as Peachtree by Sage, offer areas of accounting software specialty as well, such as accounting for construction, accounting for distribution, accounting for manufacturing, and accounting for nonprofit organizations.
Therefore, as with a computer purchase, get several opinions from various sources in order to make the most educated purchase for your accounting businesss.
Other Supplies
Once a computer system and software package is installed, filling an accountant supply cabinet is the next item a self employed accountant should choose to complete. Before spending your hard earned dollars, though, carefully research the items that you will need the most and those items that you will need immediately in your particular accounting specialty.
A few basic items for your effectively equipping your office, which are available at most any accountant supply or office supply store, are as follows:
- Client tax guide organizers
- Presentation materials and client folders
- Accounting forms
- Filing cabinet with file folders
- Accounting reference materials
- Telephone with headset
- Desk top calculator and adding machine
Some items that will be needed in your accountant supply cabinet can be purchased at an accountant supply or office supply store, but could also be obtained at no charge through the Internal Revenue Service (IRS) or ordered at irs.
gov.
- W2 and 1099 tax forms
- Federal and State envelopes
- Federal and State income tax forms for the current tax year
Basic office supplies that should be included on your accountant supply list are:
- Pens
- Pencils and an electric pencil sharpener
- Paper clips
- Stapler
- Rubber bands
- Desk organizers and baskets for organizing paperwork to be kept on your desk
- Envelopes of various sizes
- Postage meter if you do or plan on doing a lot of daily mailings on a very regular basis
- Self inking stamps - one with your business mailing address and one for stamping bank deposits
- Letterhead and envelopes with your business name printed on them
- Business cards
Additionally, consider a unique accountant supply that could be of great benefit to you and your clients -- a subscription to a tax update newsletter, or another resource that will keep you regularly informed of tax updates, and can help you remain updated on the latest changes in taxes and tax laws.
Rebecca Game is the founder of Digital Women ฎ, Digital-Women.com, an online community for women in business. She is a 30 year entrepreneur and dedicated to helping other women find business loans and business grants. Visit her site: Business Grants and Loans for Women
http://www.digital-women.com
Know Your Credit Score
The a lot of important allotment of condoning for a mortgage isn't how abundant of a down transaction you can make, it's how acceptable your acclaim annual is. The bigger your credit, the added calmly you can defended a mortgage loan, even after a fat coffer annual or a high-paying job. The aboriginal and a lot of important action you should yield is to get your acclaim address from anniversary of the three above acclaim bureaus, Experian, Equifax, and TransUnion. You accept to get all three letters because the companies and utilities that extend you acclaim don't address to all three bureaus.
The aftereffect is that anniversary chump has three acclaim letters with three altered sets of information. You can admission the letters for chargeless at atomic already a year. If you acquisition errors and address them (see beneath for details), you can get a revised address for free.
Your acclaim annual is based on the advice in the acclaim report. In the simplest terms, the annual indicates how acceptable you will be to pay aback a accommodation in abounding and on time. According to Steven Burman, admiral of Acclaim Advocates and an able acclaim counselor, it reflects your acclaim history, how abundant debt you currently backpack (called outstanding debt), how abundant debt you're already accustomed to backpack in the approaching (add up the acclaim banned on your acclaim cards for the answer), how continued your acclaim history is, and how appropriate you are in paying bills.
The college the number, the bigger your acclaim is, alignment from a low of 300 to a absolute annual of 850. Do aggregate you can to advance your annual -- it's even added important than extenuative money, in my opinion! Why? Because the college your score, the bigger the absorption amount you will get. If you accept a actual top score, you may even be able to buy a abode with no money down.
Improve Your Acclaim Rating
Steve says that you accept to yield claimed albatross for your credit, and I agree.
The aboriginal time abounding humans see their acclaim letters is if they are about to acquirement a home or a car. Because it can yield about 3 months (and sometimes abundant longer) to change a acclaim score, if the annual is amiss or low at that time, it could be too backward to fix it. You could lose that aces apartment! Don't let that appear -- alpha alteration your annual today. Actuality are six accurate means to advance your score:
1. Check and actual your acclaim history
Thirty-five percent of your annual comes from your acclaim history, according to Steve.
Unfortunately, 70 percent of acclaim letters accommodate errors -- mistakes that can abnormally appulse your score! Mistakes ambit from the misspelling of names, to advertisement amiss addresses or places of employment, to ambagious the accounts of humans with the aforementioned name, to including anachronous information. You can and should address errors to anniversary of the acclaim bureaus back they do not allotment information. You can book disputes by buzz or by mail, but you may acquisition that it is a lot of acceptable to altercation errors online.
Already the acclaim bureaus accept a dispute, they accept 30 canicule to investigate. If they cannot verify the advice in that time, it is deleted or adapted by default. Already you altercation information, the onus is on them to prove it. If your transaction was backward already or alert and the creditor appear it to the acclaim bureau, you can ask the banker or acclaim agenda aggregation to affair a letter of correction. For example, abounding retail food would adopt to accumulate your business by arising a alteration than lose it by abnegation to.
Always chase up on promised corrections by rechecking your acclaim report. If some of the accounts on your address are old and closed, acquaint the acclaim agency that you don't admit them. They will investigate, acquisition that you are not a customer, and abolish them. It's best if your acclaim address lists alone alive accounts. Even if some of the accounts are closed, accepting dozens of them may accomplish lenders accept that you are not a abiding acclaim risk.
2. Pay down top balances
The amounts you owe on revolving acclaim accounts are amenable for 30 percent of your score.
Steve says the fastest way to advance your acclaim appraisement is to pay down balances. After he brash one applicant to use all of his accessible banknote to pay down his acclaim agenda bills, the client's acclaim annual went up by 100 points. Accumulate revolving acclaim accounts beneath 30 percent of the accessible limit. For example, if your acclaim agenda absolute is $10,000, accumulate the antithesis beneath $3,000. Top balances abnormally affect acclaim ratings. Plus, acclaim agenda debt is big-ticket to carry.
Some cards allegation up to 24 percent absorption on contributed balances. Are the artist jeans and fur anorak absolutely annual that? Pay off your acclaim cards! You can aswell accommodate with your acclaim agenda aggregation to abate or annihilate absorption accuse and sometimes even abate what you owe.
3. Accomplish history with your acclaim
It's acceptable to accept some action and history on the account. "Many humans anticipate closing accounts will accomplish their acclaim attending better, but it depends," says Steve.
"Look at the accounts you are closing and accumulate the oldest one. Length of acclaim history counts for 15 percent of your absolute score."
4. Anticipate alert about new acclaim
If you accessible a new acclaim agenda account, the creditor makes an analysis to one of the acclaim bureaus to appraise your history. The amount of afresh opened accounts and acclaim inquiries accounts for 10 percent of your score. (Note that blockage your own acclaim address doesn't calculation as an inquiry, however.
) "If you alpha applying for loans at an auto dealership or a coffer and anniversary one does an inquiry, it's a negative," says Steve. If a abundance sends you a sales angle adage you're preapproved for credit, abide the allurement to ample out the appliance form. One acclaim agenda is all you absolutely need. At any rate, closing an annual doesn't beggarly it automatically disappears from your acclaim report. You accept to ask them to abolish it. Bigger yet . . .
5. Pay with banknote
Using debit cards and banknote are acceptable means to ascendancy your debt (and accordingly advance a abundant acclaim score).
6. Pay all your bills on time
Backward payments can accept a abundant abrogating appulse on your score. For example, you can accession your annual by as abundant as 20 credibility artlessly by paying bills on time for 1 month!
For added advice on convalescent your acclaim rating, appointment the Federal Trade Commission's acclaim adjustment page at www.ftc.gov/bcp/conline/pubs/credit/repair.htm. To altercation advice in a acclaim report, actuality is how to acquaintance the acclaim bureaus:
Equifax Advice Services, LLC
Disclosure Department
PO Box 740241
Atlanta, GA 30374
800-685-1111
www.
equifax.com
Experian
475 Anton Boulevard
Costa Mesa, CA 92626
or
955 American Lane
Schaumburg, IL 60173
888-397-3742
www.experian.com
TransUnion LLC
PO Box 1000
Chester, PA 19022
800-888-4213
www.transunion.com
Annual Acclaim Address Request Service
PO Box 105281
Atlanta, GA 30348-5281
877-322-8228
www.annualcreditreport.com
Annualcreditreport.com is the official website that helps consumers access the chargeless acclaim letters they are advantaged to annually, as appropriate by law.
Reprinted from: Invest in Your Nest: Add Style, Comfort, and Value to Your Home by Barbara Kavovit ฉ 2006 Rodale Inc. Permission accepted by Rodale, Inc., Emmaus, PA 18098. Accessible wherever books are awash or anon from the administrator by calling (800) 848-4735 or appointment their website at www.rodalestore.com.
Published by Rodale; June 2006;$19.95US/$26.95CAN; 1-59486-151-X
Copyright ฉ 2006 Barbara Kavovit
Barbara K is CEO of barbara k!, a absolute affairs cast that offers solutions for women through avant-garde home enhancement/repair and automotive products.
She is aswell the home advance able for AOL Coaches and columnist of the adorning fix-it handbook Room for Improvement. Barbara has been featured in the New York Times, USA Today, Real Simple, and O, The Oprah Magazine, a part of others, and has appeared on abundant television and radio programs, including Today and Acceptable Morning America. She lives in New York City with her son, Zachary. For Barbara K's products, appointment http://www.barbarak.com
The aftereffect is that anniversary chump has three acclaim letters with three altered sets of information. You can admission the letters for chargeless at atomic already a year. If you acquisition errors and address them (see beneath for details), you can get a revised address for free.
Your acclaim annual is based on the advice in the acclaim report. In the simplest terms, the annual indicates how acceptable you will be to pay aback a accommodation in abounding and on time. According to Steven Burman, admiral of Acclaim Advocates and an able acclaim counselor, it reflects your acclaim history, how abundant debt you currently backpack (called outstanding debt), how abundant debt you're already accustomed to backpack in the approaching (add up the acclaim banned on your acclaim cards for the answer), how continued your acclaim history is, and how appropriate you are in paying bills.
The college the number, the bigger your acclaim is, alignment from a low of 300 to a absolute annual of 850. Do aggregate you can to advance your annual -- it's even added important than extenuative money, in my opinion! Why? Because the college your score, the bigger the absorption amount you will get. If you accept a actual top score, you may even be able to buy a abode with no money down.
Improve Your Acclaim Rating
Steve says that you accept to yield claimed albatross for your credit, and I agree.
The aboriginal time abounding humans see their acclaim letters is if they are about to acquirement a home or a car. Because it can yield about 3 months (and sometimes abundant longer) to change a acclaim score, if the annual is amiss or low at that time, it could be too backward to fix it. You could lose that aces apartment! Don't let that appear -- alpha alteration your annual today. Actuality are six accurate means to advance your score:
1. Check and actual your acclaim history
Thirty-five percent of your annual comes from your acclaim history, according to Steve.
Unfortunately, 70 percent of acclaim letters accommodate errors -- mistakes that can abnormally appulse your score! Mistakes ambit from the misspelling of names, to advertisement amiss addresses or places of employment, to ambagious the accounts of humans with the aforementioned name, to including anachronous information. You can and should address errors to anniversary of the acclaim bureaus back they do not allotment information. You can book disputes by buzz or by mail, but you may acquisition that it is a lot of acceptable to altercation errors online.
Already the acclaim bureaus accept a dispute, they accept 30 canicule to investigate. If they cannot verify the advice in that time, it is deleted or adapted by default. Already you altercation information, the onus is on them to prove it. If your transaction was backward already or alert and the creditor appear it to the acclaim bureau, you can ask the banker or acclaim agenda aggregation to affair a letter of correction. For example, abounding retail food would adopt to accumulate your business by arising a alteration than lose it by abnegation to.
Always chase up on promised corrections by rechecking your acclaim report. If some of the accounts on your address are old and closed, acquaint the acclaim agency that you don't admit them. They will investigate, acquisition that you are not a customer, and abolish them. It's best if your acclaim address lists alone alive accounts. Even if some of the accounts are closed, accepting dozens of them may accomplish lenders accept that you are not a abiding acclaim risk.
2. Pay down top balances
The amounts you owe on revolving acclaim accounts are amenable for 30 percent of your score.
Steve says the fastest way to advance your acclaim appraisement is to pay down balances. After he brash one applicant to use all of his accessible banknote to pay down his acclaim agenda bills, the client's acclaim annual went up by 100 points. Accumulate revolving acclaim accounts beneath 30 percent of the accessible limit. For example, if your acclaim agenda absolute is $10,000, accumulate the antithesis beneath $3,000. Top balances abnormally affect acclaim ratings. Plus, acclaim agenda debt is big-ticket to carry.
Some cards allegation up to 24 percent absorption on contributed balances. Are the artist jeans and fur anorak absolutely annual that? Pay off your acclaim cards! You can aswell accommodate with your acclaim agenda aggregation to abate or annihilate absorption accuse and sometimes even abate what you owe.
3. Accomplish history with your acclaim
It's acceptable to accept some action and history on the account. "Many humans anticipate closing accounts will accomplish their acclaim attending better, but it depends," says Steve.
"Look at the accounts you are closing and accumulate the oldest one. Length of acclaim history counts for 15 percent of your absolute score."
4. Anticipate alert about new acclaim
If you accessible a new acclaim agenda account, the creditor makes an analysis to one of the acclaim bureaus to appraise your history. The amount of afresh opened accounts and acclaim inquiries accounts for 10 percent of your score. (Note that blockage your own acclaim address doesn't calculation as an inquiry, however.
) "If you alpha applying for loans at an auto dealership or a coffer and anniversary one does an inquiry, it's a negative," says Steve. If a abundance sends you a sales angle adage you're preapproved for credit, abide the allurement to ample out the appliance form. One acclaim agenda is all you absolutely need. At any rate, closing an annual doesn't beggarly it automatically disappears from your acclaim report. You accept to ask them to abolish it. Bigger yet . . .
5. Pay with banknote
Using debit cards and banknote are acceptable means to ascendancy your debt (and accordingly advance a abundant acclaim score).
6. Pay all your bills on time
Backward payments can accept a abundant abrogating appulse on your score. For example, you can accession your annual by as abundant as 20 credibility artlessly by paying bills on time for 1 month!
For added advice on convalescent your acclaim rating, appointment the Federal Trade Commission's acclaim adjustment page at www.ftc.gov/bcp/conline/pubs/credit/repair.htm. To altercation advice in a acclaim report, actuality is how to acquaintance the acclaim bureaus:
Equifax Advice Services, LLC
Disclosure Department
PO Box 740241
Atlanta, GA 30374
800-685-1111
www.
equifax.com
Experian
475 Anton Boulevard
Costa Mesa, CA 92626
or
955 American Lane
Schaumburg, IL 60173
888-397-3742
www.experian.com
TransUnion LLC
PO Box 1000
Chester, PA 19022
800-888-4213
www.transunion.com
Annual Acclaim Address Request Service
PO Box 105281
Atlanta, GA 30348-5281
877-322-8228
www.annualcreditreport.com
Annualcreditreport.com is the official website that helps consumers access the chargeless acclaim letters they are advantaged to annually, as appropriate by law.
Reprinted from: Invest in Your Nest: Add Style, Comfort, and Value to Your Home by Barbara Kavovit ฉ 2006 Rodale Inc. Permission accepted by Rodale, Inc., Emmaus, PA 18098. Accessible wherever books are awash or anon from the administrator by calling (800) 848-4735 or appointment their website at www.rodalestore.com.
Published by Rodale; June 2006;$19.95US/$26.95CAN; 1-59486-151-X
Copyright ฉ 2006 Barbara Kavovit
Barbara K is CEO of barbara k!, a absolute affairs cast that offers solutions for women through avant-garde home enhancement/repair and automotive products.
She is aswell the home advance able for AOL Coaches and columnist of the adorning fix-it handbook Room for Improvement. Barbara has been featured in the New York Times, USA Today, Real Simple, and O, The Oprah Magazine, a part of others, and has appeared on abundant television and radio programs, including Today and Acceptable Morning America. She lives in New York City with her son, Zachary. For Barbara K's products, appointment http://www.barbarak.com
Friday, December 4, 2009
Volunteer for Women in Action as a teacher in Vocational Training (sewing,bead work etc) in Tanzania
Women in Action (WIA) is a small community based organization in Arusha, Tanzania. Set up by Elizabeth 'Mama' Mosha in 1993, WIA started out providing homebased care and support to people affected by HIV/AIDS, in particular women and children. The organization has since expanded its services by providing counseling services, small business loans to widows and a tuition free English medium nursery school for vulnerable children. To date, WIA has helped more than 1000 people living with HIV/AIDS and their families.
As WIA is not funded by any major donors, all of our work is supported by the help of dedicated local and international volunteers Mission: To empower Women, Children and Young People in Social Issues and Legal Rights Women in Action requires teachers for vocational training (sewing, bead work, cake decorating),workshops created and facilitated on the stigma of HIV/AIDS and care management for people living with HIV/AIDS as well as Teaching English and Social Education assistance. Volunteers must be of age 18 or above with minimum education of high school.
ÂVolunteers with the following special skills are preferred for the placement:- ÂHealth & Hygiene Training HIV/AIDS Awareness Training Grant Proposals / Fundraising Program Proposal Writting Report Writing / Data Collection General Administration Teacher - English TEFL Certificaiton / Training Handicraft Design Business Management Computers - MS Office Software Sexual & Reproductive Health Training Teacher - Commerce, Finance, Business Volunteers can assist by doing following tasks:- Create and Facilitate workshops, Teach English and Social Education for before and after school programsWomen in Action has many other areas other than teaching that you can assist with.
This includes Business Management and Stragety, Program Development, Newsletter Writting, Proposal Writing, Computer skills basic training for office staff, Sports and Music activities with the children before and after school etc... ÂBasecamp International Centers welcomes all the interested volunteers from around the world to volunteer and make a difference. If you are interested in this placement then please contact us for the details: Email: info@basecampcenters.com Website: www.basecampcenters.
com Mailing Address 298 Bagot Street, Kingston, Ontario, Canada, K7K 3B4 Phone: 613.541.7862 Toll Free : 866.646.4693 Fax: 613.541.1604
As WIA is not funded by any major donors, all of our work is supported by the help of dedicated local and international volunteers Mission: To empower Women, Children and Young People in Social Issues and Legal Rights Women in Action requires teachers for vocational training (sewing, bead work, cake decorating),workshops created and facilitated on the stigma of HIV/AIDS and care management for people living with HIV/AIDS as well as Teaching English and Social Education assistance. Volunteers must be of age 18 or above with minimum education of high school.
ÂVolunteers with the following special skills are preferred for the placement:- ÂHealth & Hygiene Training HIV/AIDS Awareness Training Grant Proposals / Fundraising Program Proposal Writting Report Writing / Data Collection General Administration Teacher - English TEFL Certificaiton / Training Handicraft Design Business Management Computers - MS Office Software Sexual & Reproductive Health Training Teacher - Commerce, Finance, Business Volunteers can assist by doing following tasks:- Create and Facilitate workshops, Teach English and Social Education for before and after school programsWomen in Action has many other areas other than teaching that you can assist with.
This includes Business Management and Stragety, Program Development, Newsletter Writting, Proposal Writing, Computer skills basic training for office staff, Sports and Music activities with the children before and after school etc... ÂBasecamp International Centers welcomes all the interested volunteers from around the world to volunteer and make a difference. If you are interested in this placement then please contact us for the details: Email: info@basecampcenters.com Website: www.basecampcenters.
com Mailing Address 298 Bagot Street, Kingston, Ontario, Canada, K7K 3B4 Phone: 613.541.7862 Toll Free : 866.646.4693 Fax: 613.541.1604
Obama's 'Moms Return to School' Government Grant and Scholarship
Did you know that the new US government is committed to helping single moms return to school? Many mothers are not aware that the Obama's 'Moms Return to School' Government Grant Scholarship is available, but there are big benefits to finding out as much as you can about this offer. Click Here For Scholarships 4 Moms Instant Access Now! I can hear you say that is impossible but it is real and entirely possible. This has been made possible by the Obama scholarship program for women. The government wants to encourage women to get higher education.
Because of this, the Obama government has developed a scholarship plan specifically for women. Under this program, every woman who enrolls in a college or university for any degree, diploma or certificate will be given ten thousand dollars as aid. The money should be used to support the cost of education through the entire period of study. In case you are wondering what government grants for women are out there, here are a couple you can apply for on the government grant website: *Federal Pell Grant *Women's Economic Ventures Small Business Loan Fund *Women's Business Initiative Corporation Small Business Loans *Minority, Women, and Disabled Participation Loan Program Despite the bad economy at the moment, now is a good a time as any to be considering going to college; especially if you are a mom.
When the economy bounces back (which it always does), qualified workers are going to be in big demand. So having completed a degree is going to put you in prime position to get your ultimate job. If you are a woman, or even a father, there is one thing you should consider. When enrolling in a program, choose a college that is near your house so you do not have to spend too much time away from your family. Click Here For Scholarships 4 Moms Instant Access Now!
Because of this, the Obama government has developed a scholarship plan specifically for women. Under this program, every woman who enrolls in a college or university for any degree, diploma or certificate will be given ten thousand dollars as aid. The money should be used to support the cost of education through the entire period of study. In case you are wondering what government grants for women are out there, here are a couple you can apply for on the government grant website: *Federal Pell Grant *Women's Economic Ventures Small Business Loan Fund *Women's Business Initiative Corporation Small Business Loans *Minority, Women, and Disabled Participation Loan Program Despite the bad economy at the moment, now is a good a time as any to be considering going to college; especially if you are a mom.
When the economy bounces back (which it always does), qualified workers are going to be in big demand. So having completed a degree is going to put you in prime position to get your ultimate job. If you are a woman, or even a father, there is one thing you should consider. When enrolling in a program, choose a college that is near your house so you do not have to spend too much time away from your family. Click Here For Scholarships 4 Moms Instant Access Now!
Government's Assistance For a New Life
Free government money is available in abundance to the American citizens. Yet, the main regret is that there is lack of public awareness regarding the free government money and grant programs that is available to taxpaying citizens every year. The main concern is that many American citizens are ignorant of the fact that grants are not to be repaid as they are not loans. Even today, the impression that the government grants are attainable to people in the lower income brackets is prevailing.
American citizens consider these grants as loans available with reduced interest rate.
The government loans are available and are repayable with interest rates. But, the government grants are free money that need not be repaid. The government free money is cash gift granted to American taxpayers by the United States government to assist them in various financial dilemmas.
The internet offers the best source of information regarding grants, both government and private funding. Searching the grant database will lead you to plentiful free government grant programs. These programs may be eligible for you to acquire grant, but the common free government programs are
Real Estate Grants:
Several programs help in purchasing properties by financing such that renters can become first time home buyers with the assistance of first time home buyers grants.
Similarly, the real estate grants are given to investors as well. Home grants are given for diverse reasons depending on the need of the home owner. Tailoring the design to meet the needs is your choice.
Single Parents Grants:
Single Parents grants help in easing the burden of parenting as they cover tuition, uniforms, sports activities and also daycare as well as after school programs.
Business grants for women:
Women are given large sums as grants regardless of their age, culture, profession or heritage to establish businesses.
Personal Debt Grants:
People facing terrible personal debt are given debt grants to clear their outstanding personal accounts and are given an opportunity to improve their credit history
Regardless of your personal financial needs, there is free government money unclaimed that can always be claimed.
American citizens consider these grants as loans available with reduced interest rate.
The government loans are available and are repayable with interest rates. But, the government grants are free money that need not be repaid. The government free money is cash gift granted to American taxpayers by the United States government to assist them in various financial dilemmas.
The internet offers the best source of information regarding grants, both government and private funding. Searching the grant database will lead you to plentiful free government grant programs. These programs may be eligible for you to acquire grant, but the common free government programs are
Real Estate Grants:
Several programs help in purchasing properties by financing such that renters can become first time home buyers with the assistance of first time home buyers grants.
Similarly, the real estate grants are given to investors as well. Home grants are given for diverse reasons depending on the need of the home owner. Tailoring the design to meet the needs is your choice.
Single Parents Grants:
Single Parents grants help in easing the burden of parenting as they cover tuition, uniforms, sports activities and also daycare as well as after school programs.
Business grants for women:
Women are given large sums as grants regardless of their age, culture, profession or heritage to establish businesses.
Personal Debt Grants:
People facing terrible personal debt are given debt grants to clear their outstanding personal accounts and are given an opportunity to improve their credit history
Regardless of your personal financial needs, there is free government money unclaimed that can always be claimed.
How To Start A Blind Cleaning Business Quickly And Easily
Starting the blind cleaning business is one of the best
marketable business ideas you could latch on to. If you give the
requisite amount of time and dedication, there will be no cap on
your earnings. No wonder, there is pleasure unlimited in being
one's own boss. A lot of ambitious people like you have made
successful entrepreneurs of themselves, as they mastered the
principles of a successful blind cleaning service.
Investment:
7,000 - $15,000 if you purchase a blind cleaning
machine. To keep costs down at the start, rent cleaning
equipment initially.
Financing sources:
Apart from your own pockets, you have the
following helpful avenues to help kick start your Blind Cleaning
service:
A start up business loan from the bank: Nowadays big
banks are more open to funding finance upto $100,000 for new
businesses demonstrating long-term viability.
A start up business loan from a business-related or
government sponsored organization: There are a lot of non profit
organizations out there who can support the young blood(people
in the age group of 18 and 35 by providing start up loans upto
$15,000.
). Also helpful are Women's organizations to pitch in
with financial sources.
Government sponsored business start up programs: There are
Self-Employment Program started by governments which provide
start up investment and also help you develop your business.
Investors: Angel investors( also known as 'gap fillers' to
fund in the money when there is a shortage, people who have a
personal interest in seeing your business through) and venture
capitalists are helpful in funding your business and seeing it
through.
Pricing guidelines for service:
$10 to $15 per blind could
be charged. You could charge according to the competitive rates
and the demand for your service.
Advertising and Marketing Methods and Tips:
Direct
mailing Regional ads in the newspaper Online ads
Community bulletin boards Ads in the telephone
directory
Essential Equipment:
A proprietary cleaning solution based
on Ultrasonic technology, sheeting agent(to dry the blinds),
renting or purchasing a specialized cleaning machine. The
proprietary cleaning solution should take care of the spots,
smells and the dust, with fast action.
A little stepladder,
cleaning cloths, hand-held vacuum cleaner, buckets, drop cloths,
tools for repair and a vehicle to move your equipment around.
Income potential:
When you charge $12 per blind, for 22 days
per month, at an average of 35 blinds per day, you could earn
$420 daily, or $9240 monthly
Target market:
You could possibly design a customized blind
cleaning service according to the demands and preferences of
your customer. There is a large market out there comprising of
interior decorators, restaurants, lodges, hotels, hospitals real
estate, offices etc.
Not to speak of busy home owners who have
to maintain their homes, but cannot because of their busy work
life. The people who are allergic to dust and pollen would
gladly do anything for having their blinds cleaned.
Success tips:
Patience, perseverance, enthusiasm and you
should have the genuine feeling to empathize with people.
Training, skills or experience:
You get comprehensive
training online. The six foot ultrasonic blind cleaner and the
eight foot blind cleaners are available from the blind cleaning
stores and also online.
There are websites like www.omegasonics.com and www.dirtyblinds.com which
give you all the information and training neccessary to build
your business. Make the best use of the training and support
which is given to start the business. The only skill you need is
your ability to vibe with people and a feeling to help them.
Experience is not neccessary and you can start the Blind
cleaning business in tandem with your work and job.
Books or Trade publications:
101 Best Home-Based
Businesses for Women
101 Internet Businesses You Can Start from
Home
ฉ Copyright Randy Wilson, All Rights Reserved.
marketable business ideas you could latch on to. If you give the
requisite amount of time and dedication, there will be no cap on
your earnings. No wonder, there is pleasure unlimited in being
one's own boss. A lot of ambitious people like you have made
successful entrepreneurs of themselves, as they mastered the
principles of a successful blind cleaning service.
Investment:
7,000 - $15,000 if you purchase a blind cleaning
machine. To keep costs down at the start, rent cleaning
equipment initially.
Financing sources:
Apart from your own pockets, you have the
following helpful avenues to help kick start your Blind Cleaning
service:
A start up business loan from the bank: Nowadays big
banks are more open to funding finance upto $100,000 for new
businesses demonstrating long-term viability.
A start up business loan from a business-related or
government sponsored organization: There are a lot of non profit
organizations out there who can support the young blood(people
in the age group of 18 and 35 by providing start up loans upto
$15,000.
). Also helpful are Women's organizations to pitch in
with financial sources.
Government sponsored business start up programs: There are
Self-Employment Program started by governments which provide
start up investment and also help you develop your business.
Investors: Angel investors( also known as 'gap fillers' to
fund in the money when there is a shortage, people who have a
personal interest in seeing your business through) and venture
capitalists are helpful in funding your business and seeing it
through.
Pricing guidelines for service:
$10 to $15 per blind could
be charged. You could charge according to the competitive rates
and the demand for your service.
Advertising and Marketing Methods and Tips:
Direct
mailing Regional ads in the newspaper Online ads
Community bulletin boards Ads in the telephone
directory
Essential Equipment:
A proprietary cleaning solution based
on Ultrasonic technology, sheeting agent(to dry the blinds),
renting or purchasing a specialized cleaning machine. The
proprietary cleaning solution should take care of the spots,
smells and the dust, with fast action.
A little stepladder,
cleaning cloths, hand-held vacuum cleaner, buckets, drop cloths,
tools for repair and a vehicle to move your equipment around.
Income potential:
When you charge $12 per blind, for 22 days
per month, at an average of 35 blinds per day, you could earn
$420 daily, or $9240 monthly
Target market:
You could possibly design a customized blind
cleaning service according to the demands and preferences of
your customer. There is a large market out there comprising of
interior decorators, restaurants, lodges, hotels, hospitals real
estate, offices etc.
Not to speak of busy home owners who have
to maintain their homes, but cannot because of their busy work
life. The people who are allergic to dust and pollen would
gladly do anything for having their blinds cleaned.
Success tips:
Patience, perseverance, enthusiasm and you
should have the genuine feeling to empathize with people.
Training, skills or experience:
You get comprehensive
training online. The six foot ultrasonic blind cleaner and the
eight foot blind cleaners are available from the blind cleaning
stores and also online.
There are websites like www.omegasonics.com and www.dirtyblinds.com which
give you all the information and training neccessary to build
your business. Make the best use of the training and support
which is given to start the business. The only skill you need is
your ability to vibe with people and a feeling to help them.
Experience is not neccessary and you can start the Blind
cleaning business in tandem with your work and job.
Books or Trade publications:
101 Best Home-Based
Businesses for Women
101 Internet Businesses You Can Start from
Home
ฉ Copyright Randy Wilson, All Rights Reserved.
Government Grant - Free Government Minority Grants For Women
Free Government Grants For Women Not many people know that know stuff are discharge government grants for women that can be used to help accede a higher home, finance central improvements, pay your rent, make mortgage payments, bucks use bills, Visit here http://availableminoritygrants.blogspot.com clasp a new car, pay thanks to groceries, pay for child care expenses, resources for fuel, pay general living expenses, legal tender for academic tutoring, purchase clothing, purchase school supplies, pay legal services, pay off credit card debts, fund for hymn lessons, pay for art lessons, pay for scrap extracurricular activities, pay real estate taxes, medical expenses .
......nice much anything you can think of. It's quite sensational actually. With over 2,000 free government grants for women, there's not powerfully a woman can't take advantage of in this day besides age. Whether you're rich, poor, undecayed or old, if you are a damsel you can perfect any enclose of free bridle grants for women. You are in reality entitled to occupy discharge central whereas government grants for a countless amount of services, gifts, help and information, for your home, your health, your career, your business, your kids also your pocketbook.
further amazingly enough, there is no limit to the figure of free government grants you can apply for and receive! The U.S. Government has a great digit of generosity when it comes to giving unchain settle important away. Believe substantial or not, they set no limit to the amount of money they give double time. All you have to do is meet their simple requirements. The main and most obvious must to receive emancipate grant money for women is of course to be a woman. While the rule sets aside a certain amount of money to fund grants for women owned businesses, the oversight also has quite a few grants being minority owned businesses.
Women fall consequence the minority category, which automatically makes us eligible for a vast variety of other emancipate grants. Some women might not realize that these grants incumbency easily be taken hike of to help perform and silver a canary owned business. Every year over 500,000 women start their own business. Two out of every three new of these fresh businesses are started by sexuality. And statistics have shown that on a whole, women have proven to be fresh successful big idea owners than men.
Women admit a brimming 75% greater chance of success imprint haste ownership! There are over 5,000 Government sources of free grants for women, loans, venture capital, management, technical assistance and much more. And remarkably, only a small amount of femininity are aware of these amazing opportunities. With a inconsiderable time and determination any woman these days can start and build her own energy thanks to secrete over 150 sources of free government grants over women. Now is the greatest time being all of us to take advantage of the opportunities that government has to present us.
Can you fabricate the doors that free grants for women could embark on for you and your home? Visit here http://availableminoritygrants.blogspot.com
......nice much anything you can think of. It's quite sensational actually. With over 2,000 free government grants for women, there's not powerfully a woman can't take advantage of in this day besides age. Whether you're rich, poor, undecayed or old, if you are a damsel you can perfect any enclose of free bridle grants for women. You are in reality entitled to occupy discharge central whereas government grants for a countless amount of services, gifts, help and information, for your home, your health, your career, your business, your kids also your pocketbook.
further amazingly enough, there is no limit to the figure of free government grants you can apply for and receive! The U.S. Government has a great digit of generosity when it comes to giving unchain settle important away. Believe substantial or not, they set no limit to the amount of money they give double time. All you have to do is meet their simple requirements. The main and most obvious must to receive emancipate grant money for women is of course to be a woman. While the rule sets aside a certain amount of money to fund grants for women owned businesses, the oversight also has quite a few grants being minority owned businesses.
Women fall consequence the minority category, which automatically makes us eligible for a vast variety of other emancipate grants. Some women might not realize that these grants incumbency easily be taken hike of to help perform and silver a canary owned business. Every year over 500,000 women start their own business. Two out of every three new of these fresh businesses are started by sexuality. And statistics have shown that on a whole, women have proven to be fresh successful big idea owners than men.
Women admit a brimming 75% greater chance of success imprint haste ownership! There are over 5,000 Government sources of free grants for women, loans, venture capital, management, technical assistance and much more. And remarkably, only a small amount of femininity are aware of these amazing opportunities. With a inconsiderable time and determination any woman these days can start and build her own energy thanks to secrete over 150 sources of free government grants over women. Now is the greatest time being all of us to take advantage of the opportunities that government has to present us.
Can you fabricate the doors that free grants for women could embark on for you and your home? Visit here http://availableminoritygrants.blogspot.com
There Are Tons Of Small Business Grants For Womwn...But Where?
When starting a small business it can be costly, and finding a
grant if you're a women isn't always the easiest thing to do.
Little do most people know, there are millions of dollars just
waiting to be claimed for grants from the government and other
little-known organizations. It can be very difficult to find
the right grant for you, and the place of where to get it, but
with a few clicks you too can easily get access to small
business grants for women.
It is not a secret that women are beginning to own more and more
businesses everyday.
Not only this, but these businesses are
becoming just as successful if not more then men's businesses
are. If you are looking for a grant, don't be hesitant to look
because of what the business is going to be. There are
literally hundreds to thousands of grants out there for women
wanting to start craft businesses, consulting, brokerage, record
labels and more.
When looking for a grant, there is the option of spending
hundreds of dollars to pay somebody to get you a grant. However,
there are other ways that are completely free, but may be more
time consuming then you would hope.
One site that is worth
checking out is The Ladies Club 2000.com. It is required that
you sign up and become a member, free of charge, but then you
will have access to grant information on how you can become
qualified for a grant and where you can find grants to begin
your business or increase your business.
http://www.theladiesclub2000.com/grantsforwomen.htm
There are all kinds of companies out there, and the type of
grant that you will receive varies for place to place. On
womens-finance.
com, there are two different kinds of grants
offered. There is the New Business grant that is between $100
and $5,000, and there is the existing business grand that ranges
from $1,000-$5,000. You do have to apply at this site and be
accepted, but it is worth checking this site out below:
http://www.womensbusinessgrants.com/
It may not seem like it, but our government does want you to
succeed, and that is why there is millions of dollars out there
for you. Most places have ridiculous requirements in order to
get a grant such as being over 65, being a minority, or even
having bad credit sometimes help the process.
There are sites out there that are specifically looking for
women only to give grants to. These sites are attempting to
help the women population succeed in entrepreneurialism and
begin the road to succession. The site listed just below here
has a list of about ten different sites that are specifically
looking for women to give grants to.
http://www.womanowned.com/Growing/Funding/Opportunities.aspx
There is no reason to get frustrated after not having any luck
finding loans.
The government wants you to succeed in opening
your small business, or help develop it that much more. There
are a few sites listed above that are very much worth checking
out to help you find small business grants for women. Don't get
discouraged as this can be time consuming, but once you find the
financial help needed, you will be on your way to developing
your business.
grant if you're a women isn't always the easiest thing to do.
Little do most people know, there are millions of dollars just
waiting to be claimed for grants from the government and other
little-known organizations. It can be very difficult to find
the right grant for you, and the place of where to get it, but
with a few clicks you too can easily get access to small
business grants for women.
It is not a secret that women are beginning to own more and more
businesses everyday.
Not only this, but these businesses are
becoming just as successful if not more then men's businesses
are. If you are looking for a grant, don't be hesitant to look
because of what the business is going to be. There are
literally hundreds to thousands of grants out there for women
wanting to start craft businesses, consulting, brokerage, record
labels and more.
When looking for a grant, there is the option of spending
hundreds of dollars to pay somebody to get you a grant. However,
there are other ways that are completely free, but may be more
time consuming then you would hope.
One site that is worth
checking out is The Ladies Club 2000.com. It is required that
you sign up and become a member, free of charge, but then you
will have access to grant information on how you can become
qualified for a grant and where you can find grants to begin
your business or increase your business.
http://www.theladiesclub2000.com/grantsforwomen.htm
There are all kinds of companies out there, and the type of
grant that you will receive varies for place to place. On
womens-finance.
com, there are two different kinds of grants
offered. There is the New Business grant that is between $100
and $5,000, and there is the existing business grand that ranges
from $1,000-$5,000. You do have to apply at this site and be
accepted, but it is worth checking this site out below:
http://www.womensbusinessgrants.com/
It may not seem like it, but our government does want you to
succeed, and that is why there is millions of dollars out there
for you. Most places have ridiculous requirements in order to
get a grant such as being over 65, being a minority, or even
having bad credit sometimes help the process.
There are sites out there that are specifically looking for
women only to give grants to. These sites are attempting to
help the women population succeed in entrepreneurialism and
begin the road to succession. The site listed just below here
has a list of about ten different sites that are specifically
looking for women to give grants to.
http://www.womanowned.com/Growing/Funding/Opportunities.aspx
There is no reason to get frustrated after not having any luck
finding loans.
The government wants you to succeed in opening
your small business, or help develop it that much more. There
are a few sites listed above that are very much worth checking
out to help you find small business grants for women. Don't get
discouraged as this can be time consuming, but once you find the
financial help needed, you will be on your way to developing
your business.
Financing And Having Your Own Small Business
Financing a small business does not have to be complicated, as there are a number of resources that can help you along the way, as well as numerous financial and government institutions that cater to those wishing to finance a small business.
In terms of financing there are several things that need to be examined; do you need working capital or can you use existing cash flow for the small business? How urgent is your need for financing and what are your risks? What will the capital be used for and what industry does the small business operate under? There are an exhaustive amount of questions that need to be answered when it comes to financing a small business.
Realize that there are two different types of financing; equity financing and debt financing. Equity financing is looked at as the amount of equity to debt ratio that you have in the business. The biggest resource of equity financing comes from venture capitalists. A venture capitalist is generally a financial wizard with a lot of money to invest. They prefer to invest in businesses that are 3 to 5 years old that look promising and are able to offer a big return on the initial investment.
Debt financing can be obtained through banks, credit unions, lending companies and other financial institutions that offer services to small business owners.
The government, both on the federal and local level, also has numerous programs in place to assist people in securing financing for small business.
One of the most common places to look for financing opportunities is with the United States Small Business Administration. This entity has a number of programs in place, including special financing programs for women, veterans and Native Americans who wish to secure funds for a small business. The U.S. Small Business Administration has a comprehensive website that explains in detail all of their available financing programs.
Another source of funds for small businesses come in the form of grants. A grant is an award of money that does not have to be repaid. Many times, grants come with stipulations on how the funds can be used, but there do exist many grants that are available for the sole purpose of starting up a small business. Grants are available from a number of sources including the federal government, private organizations and individuals, and local initiatives that may be offered in your local area. Some of the different entities that award grants include the Small Business Administration, the Department of Veterans Affairs, and the National Science Foundation, just to name a few.
If you are just starting up your business and have already invested a significant amount of your personal funds, you are more apt to qualify for a small business loan through a commercial lender. Before using debt financing to fund a small business, it is wise to first exhaust all other avenues. Business associates, friends and family members may be willing to invest a bit of money if you are able to provide them with a sound business plan and the potential for a healthy return on their investment.
In terms of financing there are several things that need to be examined; do you need working capital or can you use existing cash flow for the small business? How urgent is your need for financing and what are your risks? What will the capital be used for and what industry does the small business operate under? There are an exhaustive amount of questions that need to be answered when it comes to financing a small business.
Realize that there are two different types of financing; equity financing and debt financing. Equity financing is looked at as the amount of equity to debt ratio that you have in the business. The biggest resource of equity financing comes from venture capitalists. A venture capitalist is generally a financial wizard with a lot of money to invest. They prefer to invest in businesses that are 3 to 5 years old that look promising and are able to offer a big return on the initial investment.
Debt financing can be obtained through banks, credit unions, lending companies and other financial institutions that offer services to small business owners.
The government, both on the federal and local level, also has numerous programs in place to assist people in securing financing for small business.
One of the most common places to look for financing opportunities is with the United States Small Business Administration. This entity has a number of programs in place, including special financing programs for women, veterans and Native Americans who wish to secure funds for a small business. The U.S. Small Business Administration has a comprehensive website that explains in detail all of their available financing programs.
Another source of funds for small businesses come in the form of grants. A grant is an award of money that does not have to be repaid. Many times, grants come with stipulations on how the funds can be used, but there do exist many grants that are available for the sole purpose of starting up a small business. Grants are available from a number of sources including the federal government, private organizations and individuals, and local initiatives that may be offered in your local area. Some of the different entities that award grants include the Small Business Administration, the Department of Veterans Affairs, and the National Science Foundation, just to name a few.
If you are just starting up your business and have already invested a significant amount of your personal funds, you are more apt to qualify for a small business loan through a commercial lender. Before using debt financing to fund a small business, it is wise to first exhaust all other avenues. Business associates, friends and family members may be willing to invest a bit of money if you are able to provide them with a sound business plan and the potential for a healthy return on their investment.
Obama Grant Programs Women $100,000 to Start Her Own Business!
Did you know that there are very real government grant programs that award women $100,000 to help you start your own business?
Fact: It is much easier to get a government grant than a bank loan during our recession. In fact, any you could receive up to $500,000 to start a your own company or up to $100,000 to work from the privacy and the comfort of your own home.
In order to qualify for these grants you only need to be 18 years of age and a legal US citizen. After this, you only need to decide which grant program that you would like to apply for.
The US government awards over 5,000,000 grants and more each year. The reason why this information is not common knowledge is because the government does not advertise these programs. In fact, even though we are in a recession. The US government will still issue out over 1 Trillion in grant funding.
American families that have incomes in ranges from 10,000-$100,000 per year receive grants to help them start business. In fact, the US government has many programs just for women that can help you start your own business.
Women can finally escape the rat race and get away from the daily grind and migrate towards their own business with money that:
1. You never have to pay back.
2. Is never taxed.
3. Can be applied for over and over again.
4. Does not require any credit check.
Every American woman should apply for as many grant programs as possible.
This is free only for US citizens.
Fact: It is much easier to get a government grant than a bank loan during our recession. In fact, any you could receive up to $500,000 to start a your own company or up to $100,000 to work from the privacy and the comfort of your own home.
In order to qualify for these grants you only need to be 18 years of age and a legal US citizen. After this, you only need to decide which grant program that you would like to apply for.
The US government awards over 5,000,000 grants and more each year. The reason why this information is not common knowledge is because the government does not advertise these programs. In fact, even though we are in a recession. The US government will still issue out over 1 Trillion in grant funding.
American families that have incomes in ranges from 10,000-$100,000 per year receive grants to help them start business. In fact, the US government has many programs just for women that can help you start your own business.
Women can finally escape the rat race and get away from the daily grind and migrate towards their own business with money that:
1. You never have to pay back.
2. Is never taxed.
3. Can be applied for over and over again.
4. Does not require any credit check.
Every American woman should apply for as many grant programs as possible.
This is free only for US citizens.
Thursday, December 3, 2009
Government Grants and Work at Home Jobs Offer Relief in Economic Slowdown
WASHINGTON, DC August 27, 2004 - If you are recently unemployed or credit problems are holding you back from starting a business, buying a home or new car, here is important news. Government and private lending institutions are now joining forces to stimulate the national economy and make it easier for women, minorities and people with poor credit ratings to get low interest loans.
President Bush also announced a breakthrough for Faith Based and Community Organizations. Policies have been lifted which prohibited them from receiving government funding based on religious affiliations.
Churches and religious based community organizations can now compete on equal footing for available federal dollars.
Michael Greene, a researcher for Government Publications in Washington, DC reported, "There are billions of dollars in grants and loans earmarked for people previously identified as credit risks. Public and private funds are now available for them to buy homes, cars, start a business, consolidate debts and any worthwhile purpose". In addition, he reported new financial resources have been committed to help the unemployed get job training and re-enter the job market.
"Now is the time for citizens to act if they need money for any worthwhile purpose", urged Greene. He also revealed that several reduced-cost and even free programs now exist to benefit economically disadvantaged and recently unemployed persons. Such programs include dental and vision care services, prescription plans and legal aid. Government Publications offers a CD-Rom that provides the latest information on the above programs. It covers free grant and loan resources available for a wide variety of purposes, including business start-ups.
President Bush declared, "The entrepreneurial spirit in America is healthy. It is a great strength of our country. If you feel like you`ve got what it takes to start a business, if you want to go out on your own, you think you`ve got a good product, the country says, we welcome you to do so". This CD Rom includes start-up information on several home-based business opportunities. For example, How to Buy and Sell Foreclosed Properties, How to Start a Profitable Gift Basket Business, How to become a Loan Broker and Paid Online Surveys.
The CD Rom sells for $39.95. It also includes 50 successful grant applications that were funded. These sample applications are essential items since most denied loan and grant applications are due to improper or incomplete paperwork.
For more information log on to http://www.capitalpublications.com http://www.governmentgrants-us.com and http://www.online-survey-jobs.com or call 800-306-0873 or 800-416-0712.
From: Government Publications
1025 Connecticut Ave.
Suite 1012
Washington, DC 20036
Tele: 202-331-4477
Contact: Michael Greene
President Bush also announced a breakthrough for Faith Based and Community Organizations. Policies have been lifted which prohibited them from receiving government funding based on religious affiliations.
Churches and religious based community organizations can now compete on equal footing for available federal dollars.
Michael Greene, a researcher for Government Publications in Washington, DC reported, "There are billions of dollars in grants and loans earmarked for people previously identified as credit risks. Public and private funds are now available for them to buy homes, cars, start a business, consolidate debts and any worthwhile purpose". In addition, he reported new financial resources have been committed to help the unemployed get job training and re-enter the job market.
"Now is the time for citizens to act if they need money for any worthwhile purpose", urged Greene. He also revealed that several reduced-cost and even free programs now exist to benefit economically disadvantaged and recently unemployed persons. Such programs include dental and vision care services, prescription plans and legal aid. Government Publications offers a CD-Rom that provides the latest information on the above programs. It covers free grant and loan resources available for a wide variety of purposes, including business start-ups.
President Bush declared, "The entrepreneurial spirit in America is healthy. It is a great strength of our country. If you feel like you`ve got what it takes to start a business, if you want to go out on your own, you think you`ve got a good product, the country says, we welcome you to do so". This CD Rom includes start-up information on several home-based business opportunities. For example, How to Buy and Sell Foreclosed Properties, How to Start a Profitable Gift Basket Business, How to become a Loan Broker and Paid Online Surveys.
The CD Rom sells for $39.95. It also includes 50 successful grant applications that were funded. These sample applications are essential items since most denied loan and grant applications are due to improper or incomplete paperwork.
For more information log on to http://www.capitalpublications.com http://www.governmentgrants-us.com and http://www.online-survey-jobs.com or call 800-306-0873 or 800-416-0712.
From: Government Publications
1025 Connecticut Ave.
Suite 1012
Washington, DC 20036
Tele: 202-331-4477
Contact: Michael Greene
Forensic Accountant - A New Career?
One of the newer areas, and also the fastest growing area, of accounting is forensic accounting. A forensic accountant has a unique job because the responsibilities involve the integration of accounting, auditing, and investigative skills. Using all of these skills, a forensic accountant is, in summary, a true investigator. Forensic accountants are trained to look beyond the numbers and deal with the business reality of the situation.
A forensic accountant is typically an accountant that is hired by a large firm or company, but can also be engaged in public practice, or can be employed by insurance companies, banks, police forces, government agencies, or other organizations.
The forensic accountant would be hired by such organizations to investigate, analyze, interpret, summarize, and present complex financial and business information so that it can be easily understood and properly supported. One that is employed as a forensic accountant can assist corporations in two main ways.
1. Investigative Accounting.
By performing investigative accounting duties, a forensic accountant reviews the factual situation of the company and suggests possible courses of action. A forensic accountant can also assist with the protection and/or recovery of assets, and can coordinate with other experts such as private investigators, forensic document examiners, and consulting engineers in the event that a white-collar crime has occurred.
The forensic accountant will also assist with the recovery of assets by way of civil action or criminal prosecution.
2. Litigation Support.
Another main duty of a forensic account is to assist in obtaining documentation to form an initial assessment of the case and identify areas of loss. The forensic accountant may review the relevant documentation to assess the case and identify loss. This may require the financial accountant to assist with settlement discussions and negotiations, as well as attend a trial to hear the testimony of the opposing expert, and to provide assistance with cross-examination.
Forensic accountants become involved in an array of investigations. This may involve:
- Criminal Investigations, where a forensic accountant may be required to prepare a report with the objective of presenting evidence in a professional and concise manner;
- Shareholders' and Partnership Disputes, involving assignments that require a detailed analysis of numerous years of accounting records in order to resolve, for example, compensation and benefits disputes of shareholders or partners;
- Personal Injury Claims, when a forensic accountant is asked to quantify economic losses resulting from an accident, often calculating resulting economic damage in cases of medical malpractice and wrongful dismissal;
- Business Interruption, reviewing the details of an insurance policy, for example, to investigate coverage issues and the appropriate method of calculating the loss of areas such as business interruptions, property losses, and employee dishonesty (fidelity) claims;
- Fraud Investigations, which involves a forensic accountant's work in determining funds tracing, asset identification, and recovery, most commonly performed with employee fraud cases;
- Matrimonial Disputes, which require a forensic accountant to trace, locate, and evaluate assets, including businesses, properties, and other personal assets;
- Business Economic Losses, that of which includes areas such as contract disputes, construction claims, expropriations, product liability, trademark or patent infringements, and losses occurring from a breach of a non-competition agreement;
- Professional Negligence, either through a technical perspective, where the forensic accountant will investigate a breach in an agreement, or through a loss quantification; and
- Mediation and Arbitration, where a forensic accountant may be hired to become involved in an alternative dispute resolution so that individuals and businesses may resolve disputes with minimal disruption and with a minimal amount of time.
While each forensic accountant will receive a unique assignment with each client, most assignments will include the following steps.
1. Meet with the client to understand the important facts, people, and issues at hand.
2. Perform a conflict check.
3. Perform an initial investigation.
4. Develop an action plan, setting objectives to be achieved, as well as the methods that should be used to accomplish them.
5. Obtain relevant evidence that may include documents, economic information, assets, or other proof of the occurrence of an event.
6. Perform the analysis, which may involve calculating economic damages, summarizing transactions, tracing assets, performing present value calculations, performing a regression or sensitivity analysis, utilizing a spread sheet, database, or other computerized model.
7. Preparing a final report.
A forensic accountant may be hired by a variety of institutions, including attorneys and law firms; police forces; insurance companies; government agencies; banks, credit unions, and financial lenders; courts; and business owners.
They may hire a forensic accountant based on their experience and qualifications, as well as their neutrality to their particular situation, especially if damages are involved.
The typical forensic accountant will have a minimum of a bachelor's degree, and often a master's degree, in accounting or a related field. A forensic accountant is also usually a Certified Public Accountant (CPA). In addition to education, a forensic accountant should have personal characteristics that include curiosity, persistence, creativity, discretion, strong organizational and communication skills, confidence, and sound professional judgment.
Forensic accounts that find the most career success are extremely detail-oriented as well. A forensic accountant may be employed by an accounting firm or by a large corporation to perform in-house investigations, or may be self employed as a consultant to such organizations.
Rebecca Game is the founder of Digital Women ฎ, Digital-Women.com, an online community for women in business. She is a 30 year entrepreneur and dedicated to helping other women find business loans and business grants. Visit her site: Business Grants and Loans for Women
http://www.
digital-women.com
A forensic accountant is typically an accountant that is hired by a large firm or company, but can also be engaged in public practice, or can be employed by insurance companies, banks, police forces, government agencies, or other organizations.
The forensic accountant would be hired by such organizations to investigate, analyze, interpret, summarize, and present complex financial and business information so that it can be easily understood and properly supported. One that is employed as a forensic accountant can assist corporations in two main ways.
1. Investigative Accounting.
By performing investigative accounting duties, a forensic accountant reviews the factual situation of the company and suggests possible courses of action. A forensic accountant can also assist with the protection and/or recovery of assets, and can coordinate with other experts such as private investigators, forensic document examiners, and consulting engineers in the event that a white-collar crime has occurred.
The forensic accountant will also assist with the recovery of assets by way of civil action or criminal prosecution.
2. Litigation Support.
Another main duty of a forensic account is to assist in obtaining documentation to form an initial assessment of the case and identify areas of loss. The forensic accountant may review the relevant documentation to assess the case and identify loss. This may require the financial accountant to assist with settlement discussions and negotiations, as well as attend a trial to hear the testimony of the opposing expert, and to provide assistance with cross-examination.
Forensic accountants become involved in an array of investigations. This may involve:
- Criminal Investigations, where a forensic accountant may be required to prepare a report with the objective of presenting evidence in a professional and concise manner;
- Shareholders' and Partnership Disputes, involving assignments that require a detailed analysis of numerous years of accounting records in order to resolve, for example, compensation and benefits disputes of shareholders or partners;
- Personal Injury Claims, when a forensic accountant is asked to quantify economic losses resulting from an accident, often calculating resulting economic damage in cases of medical malpractice and wrongful dismissal;
- Business Interruption, reviewing the details of an insurance policy, for example, to investigate coverage issues and the appropriate method of calculating the loss of areas such as business interruptions, property losses, and employee dishonesty (fidelity) claims;
- Fraud Investigations, which involves a forensic accountant's work in determining funds tracing, asset identification, and recovery, most commonly performed with employee fraud cases;
- Matrimonial Disputes, which require a forensic accountant to trace, locate, and evaluate assets, including businesses, properties, and other personal assets;
- Business Economic Losses, that of which includes areas such as contract disputes, construction claims, expropriations, product liability, trademark or patent infringements, and losses occurring from a breach of a non-competition agreement;
- Professional Negligence, either through a technical perspective, where the forensic accountant will investigate a breach in an agreement, or through a loss quantification; and
- Mediation and Arbitration, where a forensic accountant may be hired to become involved in an alternative dispute resolution so that individuals and businesses may resolve disputes with minimal disruption and with a minimal amount of time.
While each forensic accountant will receive a unique assignment with each client, most assignments will include the following steps.
1. Meet with the client to understand the important facts, people, and issues at hand.
2. Perform a conflict check.
3. Perform an initial investigation.
4. Develop an action plan, setting objectives to be achieved, as well as the methods that should be used to accomplish them.
5. Obtain relevant evidence that may include documents, economic information, assets, or other proof of the occurrence of an event.
6. Perform the analysis, which may involve calculating economic damages, summarizing transactions, tracing assets, performing present value calculations, performing a regression or sensitivity analysis, utilizing a spread sheet, database, or other computerized model.
7. Preparing a final report.
A forensic accountant may be hired by a variety of institutions, including attorneys and law firms; police forces; insurance companies; government agencies; banks, credit unions, and financial lenders; courts; and business owners.
They may hire a forensic accountant based on their experience and qualifications, as well as their neutrality to their particular situation, especially if damages are involved.
The typical forensic accountant will have a minimum of a bachelor's degree, and often a master's degree, in accounting or a related field. A forensic accountant is also usually a Certified Public Accountant (CPA). In addition to education, a forensic accountant should have personal characteristics that include curiosity, persistence, creativity, discretion, strong organizational and communication skills, confidence, and sound professional judgment.
Forensic accounts that find the most career success are extremely detail-oriented as well. A forensic accountant may be employed by an accounting firm or by a large corporation to perform in-house investigations, or may be self employed as a consultant to such organizations.
Rebecca Game is the founder of Digital Women ฎ, Digital-Women.com, an online community for women in business. She is a 30 year entrepreneur and dedicated to helping other women find business loans and business grants. Visit her site: Business Grants and Loans for Women
http://www.
digital-women.com
Grants For Women in Business - A Way to Become Financially Independent
If you look at the figures, you will find that women start their businesses more than men. It is also believed that they run them successfully and more efficiently. If you are also interested to start a business you can take the help of government's grants for women in business. There are many factors supporting this great idea and opportunity for women. Suppose a woman approaches the bank or a lender to grant loan for her new business, she will have to put up any of her property as security. If for any reasons she is unable to succeed in the business, she will have the heavy debt to repay along with the burden of failure in business.
Apart from all these she will loose her house too.
Grants for women in business are not subject to repayments and hence the main burden is taken off your head. Once you have been approved of the grant you don't need to pay them back. This makes running of the business easier and the owner can concentrate on the development of her growing business too. She doesn't have to worry about the loan repayment at all. But you must use this money in the right place and invest it in the business you had planned for.
Although there are not many formalities to be done before the approval of the business grants, you must be well prepared so that your application is passed instantly.
You must do some research work online and search for different types of grants and try to find out which one is best suited and fits in your needs. You will also get the necessary information that you need to apply for the grant successfully. Follow the tips and obtain this free money. While doing the research work you have to be sure to go through all the terms and conditions along with the requirements of different government agencies thoroughly.
There are grants for starting a business; as well as for paying college fees and many other programs are included. So from all of them you have to choose the appropriate one.
The last but not the least point is that you must have a good and feasible business plan. This is the most important point to take care of because it is the base for your grant to get approved and any agency that will offer you money would definitely like to know about it in detail.
Apart from all these she will loose her house too.
Grants for women in business are not subject to repayments and hence the main burden is taken off your head. Once you have been approved of the grant you don't need to pay them back. This makes running of the business easier and the owner can concentrate on the development of her growing business too. She doesn't have to worry about the loan repayment at all. But you must use this money in the right place and invest it in the business you had planned for.
Although there are not many formalities to be done before the approval of the business grants, you must be well prepared so that your application is passed instantly.
You must do some research work online and search for different types of grants and try to find out which one is best suited and fits in your needs. You will also get the necessary information that you need to apply for the grant successfully. Follow the tips and obtain this free money. While doing the research work you have to be sure to go through all the terms and conditions along with the requirements of different government agencies thoroughly.
There are grants for starting a business; as well as for paying college fees and many other programs are included. So from all of them you have to choose the appropriate one.
The last but not the least point is that you must have a good and feasible business plan. This is the most important point to take care of because it is the base for your grant to get approved and any agency that will offer you money would definitely like to know about it in detail.
Uncle Sam's Money and How to Get a Micro Loan
The US Governement has a MicroLoan Program that provides small loans to new start-up companies, newly established businesses, or loans to help small business growth concerns.
Under this government loan program the Small Business Administration, (SBA) will make funds available to nonprofit community based lenders (also known as intermediaries) which, in turn will make loans available to eligible borrowers in amounts of up to $35,000.
You will submit your application to a local intermediary and then all the credit decisions are made at a local level.
Terms:
You can get a micro loan for a maximum term of 6 years. The loan terms will vary according to how much you are borrowing, what you are using the loan for, and your needs as a small business owner.
TERMS, INTEREST RATES AND FEES:
Interest Rates:
The interest rates on your loan will vary according to the intermediary lender and also the costs involved from the US Treasury.
Collateral:
Although collateral is not always required, each intermediary will have its own credit requirements. If you are a business owner in need of a loan, be prepared to offer some sort of callateral as a personal guarantee from you as the business owner.
Did you know?
Each intermediary is required to provide business based training and technical assistance to its micro loan borrowers. Individuals and small businesses applying for microloan financing may be required to fulfill training and/or planning requirements before a loan application is considered.
How to Find an Intermediary:
To get a list of participating Intermediary lenders AND non-lending technical assistance providers go to the SBA's website.
This page will show you state by state intermediary lenders, their addresses, their email address and phone numbers for you to contact someone in your own state:
http://www.
sba.gov/financing/microparticipants.html
Rebecca Game is the founder of Digital Women, an online community for women in business. A 30 year entrepreneur and dedicated to helping other women find grants and loans. Visit her site: Grants for Women
http://www.digital-women.com
Under this government loan program the Small Business Administration, (SBA) will make funds available to nonprofit community based lenders (also known as intermediaries) which, in turn will make loans available to eligible borrowers in amounts of up to $35,000.
You will submit your application to a local intermediary and then all the credit decisions are made at a local level.
Terms:
You can get a micro loan for a maximum term of 6 years. The loan terms will vary according to how much you are borrowing, what you are using the loan for, and your needs as a small business owner.
TERMS, INTEREST RATES AND FEES:
Interest Rates:
The interest rates on your loan will vary according to the intermediary lender and also the costs involved from the US Treasury.
Collateral:
Although collateral is not always required, each intermediary will have its own credit requirements. If you are a business owner in need of a loan, be prepared to offer some sort of callateral as a personal guarantee from you as the business owner.
Did you know?
Each intermediary is required to provide business based training and technical assistance to its micro loan borrowers. Individuals and small businesses applying for microloan financing may be required to fulfill training and/or planning requirements before a loan application is considered.
How to Find an Intermediary:
To get a list of participating Intermediary lenders AND non-lending technical assistance providers go to the SBA's website.
This page will show you state by state intermediary lenders, their addresses, their email address and phone numbers for you to contact someone in your own state:
http://www.
sba.gov/financing/microparticipants.html
Rebecca Game is the founder of Digital Women, an online community for women in business. A 30 year entrepreneur and dedicated to helping other women find grants and loans. Visit her site: Grants for Women
http://www.digital-women.com
Women NURTURE Business With Volcanic Minerals - Third Generation Venture Markets All Natural Products for The Home, Garden and Self.
February 6, 2004--Two daughters and their mothers own and operate NURTURE, Inc,. a company that produces and distributes a growing line of volcanic ash products. โ€œThe reason we offer so many uses is because that's the nature of NURTUREโ„ข!โ€ jokes Kate Kruse. โ€œSeriously, there are literally hundreds of uses for volcanic ash โ€" gardening minerals to odor remover, household spill clean-up to skin care, with additional uses in between. We are continually developing our products โ€" presented in a way so they can be as convenient to use as chemical fertilizers, cleaning supplies and spray deodorizers.
โ€
NURTUREโ„ข is Kate Kruse (daughter) and Greta Weisser (mother) who have partnered with Sara Huey (daughter) and Marcia Huey (mother). They have turned lifelong friendships into a well-conceived business partnership, each lending her unique talents to create a company that sells processed and packaged volcanic minerals that can freshen the air of your bathroom or kitchen in one rendition, or invigorate your plants in another. A third generation is already involved as Sara's and Kate's children (between the two of them, there are four) already go to โ€œwork with momโ€ and help out with little projects.
According to Kruse, โ€œThe volcanic ash for NURTUREโ„ข products is excavated from a deposit located near Linton, North Dakota โ€" formed long before the buffalo roamed.โ€ When volcanic ash was deposited in alkaline/saline lakes millions of years ago, minerals called zeolites were naturally formed. Zeolites are known to be beneficial in the development of plant growth and effective in the adsorption of liquids and gases.
Greta's dad, Lenus, had an uncle who planted corn in this white soil on the side of a hill.
When Lenus asked his uncle what the white soil was, his uncle responded, โ€œVolcanic ash, the best fertilizer in the world!โ€
Subsequently, Lenus formed Beaver Valley VolAsh and leased the mineral rights from his uncle and other property owners. The commercial project resulting from Beaver Valley VolAsh was a three quarter mile road base made with volcanic ash. It stands today like the Rock of Gibraltar (another part of the world where they construct roads with volcanic ash) despite flooding each year.
Fifteen years ago, Greta continued with her Pop's notion that this ash was good for something. She devoted her life to the research and development of this valuable natural resource, creating VolAsh of North Dakota. The commercial application resulting from VolAsh was a 3M patented oil containment fire boom.
The incorporation of NURTURE, Inc. follows many years of research identifying a wide range of potential applications for the raw material. Today, NURTURE, Inc. is a Midwest corporation formed to excavate, process and distribute all natural volcanic ash.
Environmental awareness has determined the focus of NURTURE, Inc.
โ€œOur goal,โ€ says Sara Huey, โ€œis to build a family-centered business around products formed by the volcanic ash, which is 100% natural and non-toxic.โ€ Since the ash is effective at removing odors and enhancing plant growth, they started on a small scale and developed their NURTURE AIRโ„ข and NURTURE PLANTSโ„ข products that give their customers access to the ash's effective functions. Later they added NURTURE ENVIRONMENTโ„ข, a product used for organic farming and gardening.
They have also added a product for spill cleanup called NURTURE HAPPENSโ„ข and most recently, skin care products called NURTURE YOURSELFโ„ข.
The volcanic minerals are currently being sold retail, wholesale and in bulk as an ingredient in other products. The product line was launched in the Pacific Northwest at the recent Seattle Gift Show.
Their first financial boost was a loan from Count-Me-In, an online micro-lender for women-owned businesses based in New York. Confidence in NURTURE's success was further demonstrated with a Women Venture Loan from the Small Business Association and State of Minnesota Urban Initiative.
To date, the women have developed five lines of NURTUREโ„ข products.
NURTURE PLANTSโ„ข helps free soluble nutrients that are already in soil, and retains water where plants need it most, in the root zone.
NURTURE AIRโ„ข is an all natural odor remover that attracts and locks in odors without chemicals or fragrances.
NURTURE HAPPENSโ„ข quickly and naturally cleans up spills, messes and โ€œaccidentsโ€ โ€" even hazardous materials.
The 100% natural volcanic minerals of NURTURE ENVIRONMENTโ„ข prevent fertilizer and moisture runoff in lawns and landscapes, enhance the benefits of composting - while removing unpleasant odors, remove odors from pet environments, clean up oil and other spills from driveways and hard surfaces.
NURTURE YOURSELFโ„ข, 100% natural volcanic minerals for skin care, gently exfoliate and draw out toxins while nourishing the skin.
NURTURE Products are available in select stores and online.
โ€œIt's so gratifying for all of us to be working toward the success of this company,โ€ says Greta Weisser. โ€œWe know and enjoy and support โ€" and NURTURE โ€" each other.โ€
Contact Information:
Sara or Marcia Huey
NURTURE, Inc.
763-789-4990
253-851-7173
โ€
NURTUREโ„ข is Kate Kruse (daughter) and Greta Weisser (mother) who have partnered with Sara Huey (daughter) and Marcia Huey (mother). They have turned lifelong friendships into a well-conceived business partnership, each lending her unique talents to create a company that sells processed and packaged volcanic minerals that can freshen the air of your bathroom or kitchen in one rendition, or invigorate your plants in another. A third generation is already involved as Sara's and Kate's children (between the two of them, there are four) already go to โ€œwork with momโ€ and help out with little projects.
According to Kruse, โ€œThe volcanic ash for NURTUREโ„ข products is excavated from a deposit located near Linton, North Dakota โ€" formed long before the buffalo roamed.โ€ When volcanic ash was deposited in alkaline/saline lakes millions of years ago, minerals called zeolites were naturally formed. Zeolites are known to be beneficial in the development of plant growth and effective in the adsorption of liquids and gases.
Greta's dad, Lenus, had an uncle who planted corn in this white soil on the side of a hill.
When Lenus asked his uncle what the white soil was, his uncle responded, โ€œVolcanic ash, the best fertilizer in the world!โ€
Subsequently, Lenus formed Beaver Valley VolAsh and leased the mineral rights from his uncle and other property owners. The commercial project resulting from Beaver Valley VolAsh was a three quarter mile road base made with volcanic ash. It stands today like the Rock of Gibraltar (another part of the world where they construct roads with volcanic ash) despite flooding each year.
Fifteen years ago, Greta continued with her Pop's notion that this ash was good for something. She devoted her life to the research and development of this valuable natural resource, creating VolAsh of North Dakota. The commercial application resulting from VolAsh was a 3M patented oil containment fire boom.
The incorporation of NURTURE, Inc. follows many years of research identifying a wide range of potential applications for the raw material. Today, NURTURE, Inc. is a Midwest corporation formed to excavate, process and distribute all natural volcanic ash.
Environmental awareness has determined the focus of NURTURE, Inc.
โ€œOur goal,โ€ says Sara Huey, โ€œis to build a family-centered business around products formed by the volcanic ash, which is 100% natural and non-toxic.โ€ Since the ash is effective at removing odors and enhancing plant growth, they started on a small scale and developed their NURTURE AIRโ„ข and NURTURE PLANTSโ„ข products that give their customers access to the ash's effective functions. Later they added NURTURE ENVIRONMENTโ„ข, a product used for organic farming and gardening.
They have also added a product for spill cleanup called NURTURE HAPPENSโ„ข and most recently, skin care products called NURTURE YOURSELFโ„ข.
The volcanic minerals are currently being sold retail, wholesale and in bulk as an ingredient in other products. The product line was launched in the Pacific Northwest at the recent Seattle Gift Show.
Their first financial boost was a loan from Count-Me-In, an online micro-lender for women-owned businesses based in New York. Confidence in NURTURE's success was further demonstrated with a Women Venture Loan from the Small Business Association and State of Minnesota Urban Initiative.
To date, the women have developed five lines of NURTUREโ„ข products.
NURTURE PLANTSโ„ข helps free soluble nutrients that are already in soil, and retains water where plants need it most, in the root zone.
NURTURE AIRโ„ข is an all natural odor remover that attracts and locks in odors without chemicals or fragrances.
NURTURE HAPPENSโ„ข quickly and naturally cleans up spills, messes and โ€œaccidentsโ€ โ€" even hazardous materials.
The 100% natural volcanic minerals of NURTURE ENVIRONMENTโ„ข prevent fertilizer and moisture runoff in lawns and landscapes, enhance the benefits of composting - while removing unpleasant odors, remove odors from pet environments, clean up oil and other spills from driveways and hard surfaces.
NURTURE YOURSELFโ„ข, 100% natural volcanic minerals for skin care, gently exfoliate and draw out toxins while nourishing the skin.
NURTURE Products are available in select stores and online.
โ€œIt's so gratifying for all of us to be working toward the success of this company,โ€ says Greta Weisser. โ€œWe know and enjoy and support โ€" and NURTURE โ€" each other.โ€
Contact Information:
Sara or Marcia Huey
NURTURE, Inc.
763-789-4990
253-851-7173
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